WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX and I have been a navient / sallie mae customer since XX/XX/XXXX. I graduated in XX/XX/XXXX and have made all my payments for 12 years straight up to XX/XX/XXXX with over 90,000 dollars of interest.

The original principal on the loans ( 6 separately scams ) were XXXX + capitalized interest at the tune of XXXX dollars in XXXX but that's separate from why I'm writing you.

I lost my job in XX/XX/XXXX and have received harrassing phone calls from the company at the tune of 20+ calls a day for the last 9 months.

I have read about suits being awarded individuals who have received 300+ phone calls from this company in a matter of weeks. We are getting about x18 the amount of calls from them.

Additionally they have ruined my XXXX credit rating and taken every dollar I've had left.

If you have time to speak or think you could help in any way please reply to this email.

My number is # # # # # # and will have a cell phone soon since I was lucky to land 2 jobs. I'm trying to avoid going through this for another 12 years since I was rarely unemployed and very credit worthy before their ruins. There is about 65k left on the loans so we basically got nowhere after their games the last 9 months.

I'll be obtaining a call log from XXXX since they use 5-6 numbers to call me roughly every hour, sometimes twice an hour.

Thanks so much for your consideration Navient is the servicer and they are private variable rate loans since no one wants the debt or co sign liability.
XXXX XXXX XXXX has been thru over 16 plus years trying to collect a hospital bill which I believe was fully paid thru my husband at that times employees XXXX, under the name XXXX XXXX. I have talked to a woman at XXXX XXXX hospital who informed me they do not have any way to do anything for a bill that old. He had me arrested years ago an now again there is a bench warrant just put out for me. I called his office upon this times notices and was told I did not have to appear at these, just ignore it but try to find any proof to take me off there court list. It was a young woman. I had appeared at courthouse in another county XXXX for this same bill about six years ago. No court. I just had papers given to me. They were told any years ago it is paid thru my husband s ins. He used to call all hours an threaten to have e arrested if I do n't pay. He leaves me alone for a few years then out of the blue it 's like we never discussed it previously. I am XXXX almostXXXX and XXXX. His paper said something to the effect that it would n't be a hardship for me to come to XXXX to an asset s court date. It is. I was told that if I go it 's an admission that I agree with the debt. As I can not allow myself to go to jail I feel I under much protest have to pay this again, after 16 years of trying to reason with ppl in his office that answer the phones for him an deal in his behalf. XXXX, Kansas. I am very afraid of him becoming angry an trying to get an keep me in jail or something mean, years ago he proved he can be really mean mouth an not even listen, an threatening verbally. As more proof of his business nature 's ways I also have him on another bill again it 's paid it 's my current drs office they say I do n't owe an my medical card was backdated three years when I became XXXX. I ' ve explained this the same as the other but to no avail. He leaves e alone for a while then bam another post card or paper wants money for a bill my medical card has already paid.
XXXX XXXX XXXX No contract and no completed information XXXX XXXX XXXX XXXX unauthorized inquiries 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, XXXX
The bank has been trying to foreclose on her apartment for the last six years. The first foreclosure was dismissed due to fact they had used XXXX XXXX the robo-signing attorney to try to steal the apartment and could not produce the original note. We have maintained the property over the last six years. We are the heirs to our daughter 's Estate. The case was refiled and was at issue. We were never served by the court my wife and I. We located the attorney ad litem that was supposed to defend our interest XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX. He referred us to XXXX, FL XXXX XXXX where we met with both attorneys. XXXX told us he could not defend us and recommended his friend XXXX. We asked XXXX our attorney ad litem to inform the court that we wanted to defend or position as heirs of the estate and he refused. Instead XXXX insisted we needed to hire his friend XXXX to represent us. When we failed to give XXXX or XXXX the business due to lack of funds. It seems XXXX took retaliatory action against us and got the trial moved to an earlier date then the original docket stated and allowed the court to foreclose on the apartment in XXXX of 2015 for a XXXX sale date, knowing we wanted to defend our interest for the estate. XXXX XXXX also runs the XXXX XXXX XXXX out of his law offices and wanted to get the real estate sale business from this transaction. We are a XXXX year old retired couple with no home of our own living on social security. We are asking the CFBP to investigate this case stop the sale of the property and over-turn the foreclosure due to attorney mis-conduct and mis-representation. 
The bank claims it has been unable to contact us but has never tried. Wells Fargo has our phone number and email. We also met Wells Fargo legal team in court this month and they never reached out to make contact. It is not legal or fair lending practice to the Estate of XXXX XXXX that owns the mortgage to not have the right to bid on the property like the banks investor hedge fund did for {$460000.00}, when the property is worth {$250000.00} more. Essentially robbing the Estate of XXXX XXXX and its heirs and creditors of {$XXXX}. The property in question is still in the name of the Estate of XXXX XXXX and the bank has illegally entered the property. Changed the locks. Started remodeling. Pulled permits. On a property they have no legal right to open and enter. The apartment is not in the name of the bank or a new owner. Please help.
Credit grantor is refusing to properly validate debt as it on my credit reports with a different account number with each bureau. Amount owed as stated on my report is {$760.00} and i have been disputing this with the 3 major bureaus for over 3 months to get a proper resolution.
I have recently disputed the following accounts with XXXX and requested validated proof of collection accounts or " remove '' from my credit report. XXXX is to make sure or demonstrate that ( something XXXX is true, accurate, or justified. 

XXXX. XXXX XXXX XXXX Account XXXX XXXX. XXXX XXXX Account XXXX I have sent these letters with return receipt attached and have verified that they have received my request for complete removal of these account. They have ignored my dispute requests and instead of make sure this information is 100 % accurate, they have violated the law by continuing to report these accounts as " accurate '' with NO proof. 

I even called on XXXX/XXXX/XXXX and spoke with XXXX male representatives who were completely rude and even told me that the FCRA doesnt require them to get any proof of re-disputed accounts if requested by consumer. XXXX, whom i spoke with first, told me that he didnt care what FCRA laws I was reciting, and he laughed and when I asked to speak with supervisor he hung up on me which prompted a XXXX call. When i called back i reached another agent who at first seemed professional but tried extremely hard to get me off the phone. When I asked why had n't i received any validated proof yet these accounts still remained, he said he didnt have them, but they conducted investigation and all they needed was a response from company stating that information was " correct '' with no valid physical proof. 

I disagree with Experian and how they have conducted my countless disputes to rectify this issue that has caused me and my family such hardship. Experian has displayed such poor procedure and policy to insure maximum accuracy within my credit report yet the law is crystal clear as to there legal obligation to remove such accounts that can not be verified.
Tried to put on a security freeze with Experian. They immediately asked for a credit card number, which I provided, then on the next screen - they said they were 'unable to put on the freeze ' and I would have to mail them {$5.00} and mail them my driver 's license and another proof of identity ( along with my SSN, etc. ). They have my SSN, and all of my information already, I do n't want to give them further information on me to store. On top of that - they charged my charge card when I did n't get anything! I have protested that charge. It is n't about the money - it is about this company making consumers upload or mail additional confidential information just to keep our information secure. I successfully put on credit freezes on the other two companies ( XXXX and XXXX ). It is only Experian that is refusing without gathering even more information ( which they probably have anyway ).
Submitted information to TransUnion in regards to fraudulent inquiries on my credit report on XX/XX/XXXX. TransUnion states the inquiries in question would be taken care of in 10-15 days. I had to go through the same issues with XXXX and XXXX and they fixed the problem. Its XX/XX/XXXXand the issue has not been resolved through TransUnion.
XXXX has inserted false information on my Experian credit report that is false. They claim I owe for classes I never attempted. It is an old account from 2010 and I have tried numerous times to have them correct the information. Their claim is that I was signed up for the classes and thus owe them. I never attempted the classes and thus the fees are illegal. Information needs to be removed.
I have reach out to transunion about a account thats showing up on my credit report with someone else name on its not my information I ask them to delete it and they still wont delete it
XXXX and Green Tree Servicing Failure to Comply with TILA and FDCPASummary of Complaint : XXXX and subsequently Green Tree Servicing have not provided verifiable proof that they have legal standing to administer a loan modification or file a Default Judgment and suit under the Mortgage. XXXX and subsequently Green Tree Servicing has failed to provide adequate evidence that proves XXXX is the current legal owner and 'holder in due course ' of the debt under which they demand payment and have foreclosed. 
XXXX and subsequently Green Tree Servicing has filed a Complaint ( lawsuit ) in 2010 to foreclose on my investment/future retirement home in the State of South Carolina. Unfortunately the judge did not allow my Demand for Discovery and eventually a Judgment of Foreclosure was issued by the court. The case has been moved to the Master of Equity to administer the public sale of the property. 
Green Tree Servicing has offered loan modification and other loss mitigation options. I responded to Green Tree Servicing that I would like to apply for a loan modification but I could do so only if they provided evidence that proves who owns the debt. XXXX and Green Tree Servicing have failed to provide the requested information in failed to comply with TILA and FDCPA. It is my belief and based on documentation XXXX and Green Tree Servings filed in court and the county Registrar that the true legal owner the alleged debt XXXX.
These accountst should not be on my credit report. XXXX has stated that they have verified the accuracy of the information by minimal confirmation. I do not owe these debts. there is one for {$30.00} with optimun outcome. 

There is an account with XXXX XXXX in the amount of XXXX showing the high credit limit of {$1000.00}. This item needs to be deleted because the contract has been terminated and the account that has been transfered or sold has been resolved. I am no longer tied to this alleged debt and it needs to be removed.
Focus Recovery advised us of the debt after placed on Credit Report. They didn't attempt to collect ( The 30 days ) until after already on credit reports. Then advised that our Insurance statements that say " This is NOT a Bill '' and " You May Owe '' are considered notification of a debt owed to the original creditor. When asked to verify the dept and was disputed they then forwarded all medical  records from the hospital. This obtained all information of treatment and medications administered by the hospital. Focus Recovery also informed our XXXX year old son on his cell phone thinking it was mine that this was a medical debt with all the information thinking he was me. They informed him they would take legal action.
Citibank has been promoting an interest free credit extension with a 3 % initial fee that is linked to your credit card. The outstanding balance displays on your credit card statement. This is similar to Home Depot 's credit card offer, but at Home Depot it is truly interest free and at Citibank it is not. At Citibank, if you continue to use your credit card for monthly purchases that are paid off within the billing cycle you get charged interest within the billing cycle for new purchases. If I had not participated in the interest free credit extension, I would not pay interest charges on new monthly purchases paid off within the billing cycle. I made the full payment of new credit card purchases, and was still charged interest. At Home Depot you can use your credit card ( without interest ) as long as you make the minimum monthly payment. Citibank is conducting false advertising by claiming this offer is interest free. It is not interest free.
I recently applied for a home loan, I was advised that there were several hard inquiries on my report that were not authorized. I contacted Springleaf and they advised that I needed to contact experian but they said that Springleaf needs to resolve. I sent a request to experian to have removed XXXX. I attached the latest request. I would like the inquiry removed immediately
I initiated a dispute about a charge I made that needed to be reversed on XX/XX/XXXX. Since then I have completed the Chase dispute form and together sent with the form all the requested documentation, including names and numbers at the merchant. This hard copy information was sent over night and signed for on XX/XX/XXXX. As early as XX/XX/XXXX emailed the concern and attached all required documentation via a secure email at Chase. As of XX/XX/XXXX I have spoken to 13 Chase agents, including 2 at the Executive Office of the President. I have nine emails sent via the Chase secure email system and screen shots acknowledging each and every one of the emails. The response each day is " We will respond to your message in 24 hours. '' I have not received promised responses. I have been told I can not talk to a manager about my dispute. The disputed charge is significant {$2400.00}, and occurred on XX/XX/XXXX. On XX/XX/XXXX, the moment I realized the charge was an overpayment I reached out, yet I sit here today, with no resolution and no confirmation of how this is going to be resolved.
ABR Recovery Services LLC continues to NOT address the second account they are reporting with XXXX. Attached is a copy of my credit report with the 2nd account information that is incorrect that ABR refuses to address. ABR has never even written me on this account. As you can see on the attached report it shows the account was opened on XX/XX/XXXX which is NOT correct. They are showing a Date of 1st delinquency of XX/XX/XXXX which is NOT correct as well. ABR recovery services keeps responding with the first account dates and have not addressed the fact they are reporting two delinquency accounts to XXXX, not just the first one. This second account was opened falsely and illegally as debt that I owe from XX/XX/XXXX. I have not owned an XXXX account in XX/XX/XXXX. Please remove this second account and stop reporting it to XXXX with incorrect and false information. My next step is to get a consumer debt lawyer and sue ABR Recovery Services LLC over false reporting, Re-aging past accounts and punitive damages. I will also contact the Attorney General in California over this account that is not being responded to. I will complain every single day until ABR Recovery services actually reads my documents and acknowledges the mistakes made in their reporting. If ABR recovery has been given false information from previous collection agencies, they should be fixed properly with the proof I have from HSBC. I'm asking ABR Recovery Services LLC to seize reporting re-aged accounts on my credit profile. 
I AM ASKING YOU TO READ MY CREDIT DOCUMENT SHOWING A 2nd ACCOUNT WITH A FALSE ACCOUNT NUMBER AND FALSE DATES, REPORTING THE SAME {$1200.00} as the FIRST ACCOUNT.
We have a loan with One Main Financial that is partially secured by a vehicle that we own. Recently, we experienced a bit of financial hardship and fell about a month behind. We received several calls and a few letters from the creditor. I finally spoke to XXXX at the OMF branch that is closest to us and scheduled an appointment to refinance the loan. She said she 'd call me before the appointment to confirm but she never called. The following week someone from the company contacted my brother, a reference listed on our loan, and told him that they were going to repossess the vehicle if I did not pay on the account. We scheduled another meeting with XXXX and went in to discuss the loan and what happened regarding the contact with my brother. She said that they determined that the person who made this call was terminated as they found that she had done several other things that were not permitted. At this point, XXXX said that they could remove our vehicle from the loan as collateral and refinance the loan without it. We told her that we wanted to confer with an attorney regarding our rights surrounding the violation of the FDCPA. The attorney suggested that we go ahead and refinance the loan with OMF since they were willing to remove the vehicle as collateral. I contactded XXXX again to advise of the findings from our meeting with the attorney and she advised me that they would not be removing the vehicle from the loan and could only refinance the loan with the vehicle still listed as collateral. I have a recording of our full discussion where XXXX said they would remove the vehicle as collateral as well as the conversation about the employee who was terminated for the violations that were discovered.
My daughter attended XXXX in XXXX, NC. upon her graduation she immediately began getting a call from Citi , Corp. She assumed it was fro a credit card that she had gotten when she first attended college and told them that she dd not have a student loan with Citi . I was immediately contacted and told to pay the loan. I told them my daughter did not have any private student loans and I had not co-signed for any student loan other than completing her FAFSA. They immediately began telling me that I needed to pay the loan or they would have my daughter investigated for fraud and imprisoned. I requested confirmation that I had signed for this loan and was refused on the grounds that " it was not my loan ''. I contacted her school and was told that they had no documentation of this loan or a disbursement to my daughter. Shortly after the loan was placed on my credit report and my score dropped significantly. I was contacted again at my place of employment and when I asked how they obtained my work number, the CSR told me they were a credit issuing company and they could obtain any financial and employment information out about anyone. I again asked for verification that I signed the loan and was refused. I also asked that the loan be deferred since I was a full-time student and was told " not possible since the loan was not mine '' so I asked that it be removed from my credit report and the request was also refused with the CSR saying they could always have my daughter investigated fro fraud and imprisoned if XXXX of us did not pay. Finally after they defaulted the loan on my credit report and refused to send me any documentation, I contacted them about repayment. They told me they would be glad to send me the documentation once the loan was paid. I paid the loan in full and later received a XXXX page loan application that contained neither a signature for myself or my daughter. Instead, the signature line for both has typed " signed electronically ''. The School Certification section is completely blank except fot the school ID code and there are no signatures from any school official on the application, or any other information form the university. Additionally, the original loan request was for {$10000.00}, which far exceeded what it would have cost my daughter to attend this public university as she was a commuter and stayed with family members and at that time they " issued '' this loan, my annual salary was only {$30000.00} so there was no way I could have afforded a {$10000.00} loan. My daughter also received FAFSA and XXXX during this time and a scholarship through my place of employment so this loan would have been completely unnecessary.
I have disputed credit results on Equifax. They have refused to send me my dispute results. I have called multiple times and been told various stories. By law I should have gotten my results within 60 days. It has been over 8 months and I still do not know my results. When I call I speak to people that are unaccommodating, with heavy accents. I have found that majority of the managers and representatives have improperly recorded my previous conversations, so I have to start from scratch with each conversation. I want my results asap. No more excuses blaming the United States  Post Office ( w hich has consistently mailed me my   XXXX    &    XXXX    results ) for their shortcomings. I WANT MY REPORT MAILED TO ME NOW!
Portfolio Recovery Associates has been attempting to collect an alleged debt for several years that is listed in my name. When they first began attempting to collect the debt, I sent them a debt validation letter ; however, I never received a response for validation. I am requesting that PRA quit its collection attempts and remove from all XXXX credit reports.
I have an account showing on my XXXX credit report. The account is from Capital One Credit Card. It was charged off in XX/XX/XXXX. It was reporting as still open so I disputed it. Capital One then started showing the account as charged off, however they show the date of it being charged off as the current month in XX/XX/XXXX, so they are reporting a new charge off every single month. I disputed it with XXXX  and the date was corrected, however the next month it was back showing as a brand new charge off for the current month. I disputed it again, it was corrected, however again the next month it shows as a new chargeoff being charged off again in the current month. I disputed and it was corrected again, and just today it showed up as being charged off as of yesterday 's date, XX/XX/XXXX. I would like this resolved immediately. I shouldn't have to call and dispute every single month in order to have an accurate report. Capital one is manipulating the chargeoff dates in order to collect on this account that had unauthorized charges on it. It needs to be corrected or completely removed from my credit report. This is an illegal practice on the part of Capital One. Each time this has made my credit score drop 35 to 55 points. If it were reported correctly that would have happened in XX/XX/XXXX, the date it really charged off and although the chargeoff in general would be affecting my score, it would be aged and my score wouldn't be dropping every single month they fraudulently report wrong information on purpose.