WillisBack/dataset-financial-user-claim huggingface dataset:
I have submitted countless disputes via online and certified mail only to be told that they will not investigate any further disputes. As per the Fair Credit Reporting Act ( FCRA ) per section 607 Compliance procedures [ 15 U.S.C. 1681e ; which states : ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
After reviewing the FCRA it appears this has been violated. I have sent this information twice trying to have it removed only to be told that instead of attaching as pdf file which the online dispute site suggest, now I am being told it should be in the form of a JPEG file ( picture ). I am requesting that XXXX XXXX account number XXXX be deleted per the FCRA. I have submitted the documents provided to me by XXXX XXXX and XXXX XXXX has requested this account be listed as paid in full, however Transunion will not use the documents provided and refuses to honor the request of XXXX XXXX. Rather they requested me to have XXXX XXXX call them and confirm. See Attached documents
An employee named XXXX XXXX, who is an employee of US Bank, ran my credit report and issued threats to members of my family using a proprietary bank phone and proprietary account information. My credit report is correct and that is not the problem. US Bank has been notified of this and knows of the issue. ( I have an email in my possession )
I have had my student loan since XXXX. I have been paying my payment since then. I did not refinance my loans but several years ago got a letter saying my loans were changed from XXXX XXXX to Navient. I was told I would be eligible for forgiveness in XXXX. I called in XXXX of XXXX to find our what I needed to do having paid all of this time and was told when my loan was changed to Navient the type of loan was not eligible for forgiveness after 25 years not only that tge payment of XXXX dollars a month had not changed the balance at all. I was told I refinanced my lian to Navent from XXXX XXXX and I did not. I am a XXXX and have since advanced My degree and am now paying both l XXXX as if I am a new grad. I am XXXX years old and trying to help my kids thru college as well. I have been scammed with no options of choosing paying thus payment for 25 years having been originally told it would be payed off and then told I did n't have the right type of loan. One I did not choose or informed of an option. 25 years later I have paid this loan off multiple times yet balance is the same. It is a huge scam forced on me and nothing I can do.
I was charged a late fee on XXXX/XXXX/2015 for {$25.00} that was supposed to be removed. I was also charged a late fee on XXXX/XXXX/2015 for {$25.00} that was supposed to be removed as well. When I make my monthly payment over the telephone I would be told it was on time. But if for some reason I was charged a late fee to contact customer service & they would remove the charge. I would contact customer service the day or a couple days after & they would assure me charges would be removed, but that 's has n't always been the case. The last time I contacted customer service they said since so much time had passed they would n't remove the charges. Even though it was the credit card company 's fault the charges got placed & not removed in the first place. I 'm recovering from a series of procedures & have n't been able to stay on top of my account as normal. But I 'd expect that when someone says they 're going to do something that they are actually going to do it.
According to my credit report, the private student loans held by Navient have been closed and charged off but when logging into the Navient account, they still show up and they are reporting payments. If Navient has sold these loans to XXXX of Ohio, then when I log into my Navient account, it should show that they have been paid off not a balance. We are paying a down payment of {$1000.00} and payments of {$250.00} to XXXX of Ohio which are then being sent to Navient. 
According to the XXXX credit report, these loans have been charged off as bad debt on XXXX XXXX, 2016 but in my Navient account, it shows the next payment being due XXXX/XXXX/16.
This morning I saw that the Pennsylvania AG filed a lawsuit against Navient and felt vindicated ; what the Pennsylvania AG is claiming Navient has been doing is EXACTLY what has been happening to me for years with that entity. I have loans that I incurred for my children. The monthly payments were close to {$500.00} a month which I could not afford. I REPEATEDLY asked if I could make lower payments and was told I could NOT. What they could offer, however, was a forbearance which I thought was self-serving because it only caused my loan balance to soar over time. I felt this practice ( not allowing folks a payment they can afford ) was wrong, but as a single individual, was n't sure how to take on a company as formidable as Navient. I am GRATEFUL the Pennsylvania AG is taking them on for us and would like California to consider doing the same. If so, I am IN and would freely offer my testimony as to my experience with Navient. I 'm sure there are thousands just like me who have been disallowed a lower payment and have felt as helpless and taken advantage of as I have.
I have using XXXX XXXX  to track my credit score and it was around 740 for a year or so. Bills are paid on time. Recently I contacted mortgage lenders to get pre-qualified for a home loan and my credit score dropped around 140 points. I made a large payment on my credit card and it only brought up my score up to XXXX 's. Lenders are not interested in helping me get pre-qualified now. 

An XXXX representative named XXXX ( he refused to give a last name ) said that there was a negative item from 2015 showing ( I closed the account and don't remember who the vendor was and contacting XXXX was no help either ) He said there was no one there who could help solve the problem or explain why the credit score dropped so drastically and suggested a credit counselor or buying a credit report. 

Experian cut me off while I was explaining the problem. I tried the dispute function on their website but they want to share my info with their partners and send advertising. 

XXXX shows a credit score of XXXX ( needs work ) I understand that hard credit inquiries from home mortgage lenders can drop a credit score but that should still have left me in the 700 's. I am a good credit risk and don't want to lose out on buying a home because of this issue.
Denied sufficient time to complete a ( short sale ) payoff on my mortgage. Very difficult to communicate with Nationstar due to lack of requested information ( payoff statement ) and denied internet account access. Forced to proceed with foreclosure despite numerous efforts to rectify the situation.
I have been unemployed for over XXXX months and had to defer my student loans. I have to renew my unemployment benefits with the state and show proof to navient of this situation. My current unemployment benefits expire on XX/XX/XXXX. Navient has now sent me multiple emails with different amounts of payment? I received a change in loan terms email stating that my monthly payments will be {$120.00} per month. I then received another email stating that my monthly payments will be {$250.00} as a monthly statement. This is confusing because the terms of my new loan payments state {$120.00} yet I am receiving emails stating my monthly payments are higher?
hello i have some inquiries that i didnt apply for i have about XXXX hard inquires from chexsystems and im a victim of identity theft and i didnt apply for a bank accounts in my name the only bank account i apply for is XXXX XXXX the others are fraud and i contacted chexsystems inc about this and they told me to call the banks and send a letter in writing and i dont have any stamps and i dont work and i still getting denied to open up a credit union account and they dont have a freeze system and the rep was rude to me and kept me on hold for a long time
I went on line to Equifax to get my credit score which was XXXX. I have never had a score below XXXX. I called and got no where. Also sent emails to them after checking my XXXX Fico Score of XXXX and my XXXX Credit Score of XXXX. Presented those to XXXX but primarily got the same answer that they could n't do anything about it. They are incorrect. What can be done? 
Thanks, XXXX XXXX XXXXXXXXXXXX
this is the first time I 've ever checked my credit score and I saw how terrible it was and a lot of cards and inquiries that was n't mine. I have sent a lot of mails and called all the 3 credit bureaus regarding fraudulent inquiries on my account. I have no knowledge whatsoever about these inquiries and I even contacted the companies who did the hard inquiry and they said theres no record of it in their system. I have placed a freeze and fraud alert on my account and I do n't know where these came from. I am requesting CFPB to please verify the validity of these inquiries since EQUIFAX REFUSED to help me and was being very rude I am trying to build my credit and responsibly use my financials into getting a mortgage and these are really hurting my credit score XXXX XX/XX/XXXX NOT AUTHORIZED. PLEASE DELETE XXXX XX/XX/XXXX NOT MINE. PLEASE DELETE.
XXXX XX/XX/XXXX MINE.
XXXX XX/XX/XXXX NOT MINE XXXX XX/XX/XXXX NOT MINE. NO CLUE WHAT THIS IS XXXX XXXX XX/XX/XXXX DEF NOT MINE.
XXXX  XX/XX/XXXX NEVER HEARD OF THIS COMPANY, NOT MINE.
XXXX XX/XX/XXXX TO OLD. PLEASE DELETE XXXX/XXXX XX/XX/XXXX NOT MINE.
XXXX XXXX XXXX XXXX XX/XX/XXXX TO OLD. PLEASE DELETE.
XXXX XX/XX/XXXX TO OLD. PLEASE DELETE.
XXXX/XXXX XX/XX/XXXX NO CLUE WHAT THIS IS. PLEASE DELETE.
This is third attempt at fighting off the collection of this debt I have requested from the company debt validation and they have failed to validate the debt.

The company Calvary is stating that on XXXX XXXX2014 that it sent notice under 15 U.S.C 1692g which is required by law.

They're stating themselves in the letter that it was returned as undeliverable and they're right because I never received any letter or notice.

It is also been stated that Cavalry investigated the disputes and verified the information provided, however there's no accurate information to backup their allegation.

The person stated in the account who owes the debt it showed that it was a XXXX XXXX  now they're changing their allegations and saying that in the original creditor is a XXXX XXXX XXXX. I'm neither of those two names my names is XXXX XXXX XXXX requesting to have both of these debts removed from credit bureaus where they are been reported and cease collection records as they are not my debts.
Following a visit to an ER I received collection notices from a company called XXXX XXXXXXXX. I advised them via phone and a mailed written letter that the debt that they allege is mine is not mine. They continued to harass me via phone for several months following my dispute of this debt. I made a point of sending my written dispute within the 30 day period as required under the FCRA legislation. They did not care and proceeded to hit my credit report with a negative report. 

I guess both written and verbal disputes that are received from the public are ignored by Americollect. Please assist me with cleaning up this matter.
Received letter from Atty., Arnold Scott Harris, alleging that I held negative ticket balances, pertaining to the XXXX XXXX XXXX-Department of Finance for parking tickets in amounts of {$34.00}. Mr. XXXX letter states administrative judgment. I am unknowing of any debts, I paid the XXXX XXXX  XXXX balance of {$1300.00} in XX/XX/XXXX for tickets issued through his office of XX/XX/XXXX. License reinstated in XX/XX/XXXX after final payment to his office through his representative. Fraudulent attempt from Mr. XXXX to collect for invalidity.
I had disputed an account with the bureaus and they came back and stated the account was validated. I then sent a letter to XXXX XXXX requesting a full payment history from when the account originated to charge off date. The letter they sent was indicating that I had to have a subpoena sent to get the information. My question is how in the world without having evidence can they report anything?? They said they only had to keep the statements for a certain amount of time but what I was asking for was the payment history not statements.
In XXXX 2016, SPS Select Portfolio Servicing sent out modification paperwork to be completed. My father filled out the forms the first time and when he called back to make sure it was received they told him it was wrong and had to resend. I stepped in to assist my father. I asked to speak to a supervisor so I can get the accurate information on how to fill out this modification form. Since then we have been advised to redo the paperwork or that there is missing documents ( they never told us that we need it ). After seven times of redo the paperwork, the bank sends a letter that we need to redo the modification. For the past 4 months we have done everything the bank needed from us and asked to speak to a supervisors multiple times but no one can give us a definite answer. No one knows anything and their is no one higher than the supervisors, which are useless. Our payments are high but we pay on time every month. we are asking for this modification to help us with the monthly payments that is all we are asking for. I feel like the bank is not trying to help us at all.
I previously filed a complaint stating that the collection debts on my credit report were incorrect and they were removed by Transunion and  XXXX . However,  XXXX  still maintains these collection debts on it credit report.
I contacted USA on XX/XX/XXXX and notified them of a balance transfer of {$4000.00} that I did not authorize or initiate. I was told that it would be corrected within 2 to 5 business days. I made repeated phone calls to have the charge removed from my balance. As of today, XX/XX/XXXX, USAA has not removed the charge from my credit card. 

I called today to close my account with USAA and request a final payment. I was given a final payment that I will pay at the beginning of next week, XX/XX/2018. 

I have made numerous phone calls to USAA to resolve this problem. They have yet to remove the charge from my account. 

Because of that I called today to close my credit card account with USAA. I can only determine that they are incompetent. 

I will never work with USAA again, they failed to correct the fraud transaction in my account after I notified them the first day of the next week, a Monday, XX/XX/XXXX. It is now XX/XX/XXXX, and they have failed to reverse the transaction. 

Do not trust USAA, they will not protect you from fraudulent translations or transfers. They may not be capable of fixing the fraudulent transfers.
I have been receiving phone calls on my private cell phone from XXXXphone number. 
I live in XXXX and it is a XXXX area code I do n't recognize. 
They have never left a message, so, a XXXX ago I called back and askedthem to identify themselves, name of company, and what this is about. 
They keep trying to seek verification from me. I will not unless they tell mewho they are and what this is about?. I am recently widowed and was hospitalized in XX/XX/XXXX-XX/XX/XXXX a number of time and deemed XXXX on XXXX. 
This evening he called with this number XXXX and left a message threatening me with a lawyer. 
I read your information and it states his suppose to mail me documentation after the initial contact. Which was a XXXX ago and I have not received. I do n't even know the name of the company or who the caller is.
On Monday, XX/XX/XXXX, I called American Express ' ( aka AmEx ) customer service to see if I could cancel my XXXX AmEx card and apply the fee ( {$190.00} ) towards the regular Platinum AmEx card. The customer service rep told me that if I bought the regular AmEx card with her on the line ( a {$450.00} fee ), she would refund me the XXXX AmEx fee afterwards. I agreed, and bought the regular Platinum Amex. The *only* reason I bought the platinum AmEx at that time was because I thought I would get the Delta card fee reimbursed. As soon as the transaction had gone through though, the customer service rep informed me that she would not actually give me the full refund. I hope CFPB will look into American Express 's making fraudulent statements to get people to buy their credit cards.
I recently purchased a Cadillac CTS at the XXXX XXXX in XXXX XXXX. They gave me a temporary registration and I believed the documentation to be legitimate. On the temporary registration the mileage was listed as XXXX miles, the actual mileage of the vehicle was XXXX miles. When I went to the XXXX to receive my permanent registration the XXXX informed me that the vehicle was not registered in my name and there was a lean on the title. After the XXXX, I went back to XXXX XXXX and they would not disclose the information that I needed. Later on XXXX legal informed me that the vehicle was stolen.
I asked XXXX XXXX XXXX company to cancel my subscription, that I did not realize I had gotten into. I was being charged {$49.00} for magazines. I would not agree to this price. Company stated that I could not cancel and that they would not send me a hand copy of the bill so I could make payments without my credit card being charged. Representative stated that I could not cancel my account and the only thing they would do is send me to collections. The representative asked me if I wanted them to cancel the account a second time and if I wanted them to send me to collections. I stated no.Representative was rude and hung up on me. I tried to call back and the representative hung up on me again. They sent me to collections. I was also over charged, 2 payments were taken out in one month. I paid a total of {$150.00} for magazines that I did not know were ordered. The type of magazines were never discussed so I am getting whatever they want to send me. I received a statement saying that I am in collections and that I owe about {$1000.00} dollars.
First of all thank you for responding my complaint, NATIONSTAR MORTGAGE LLC responded to me stating they do n't have anything to do with my loan due to the INVESTOR THE BANK XXXX XXXX XXXX own my property now.Nationstar Mortgage LLC. wanted me to informed CONSUMER FINANCIAL PROTECTION BUREAU about THE BANK XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX, XXXX, NEW YORK XXXX. 
TEL. XXXX XXXX XXXX XXXX Although Nationstar Mortgage LLC agreed they will be responsible for responding to any concerns regarding the servicing of the loan which include ; 1.Validation of debt in which untill now they did not respond to my request dated XXXX XXXX. 
2.Forclosure process - I was sending documents Nationstar Mortgage LLC., last document dated XXXX but i was already forclose XX/XX/XXXX without giving me a notive.DUAL TRACKING. 
3.Payment assistance and modification-I was denied every time, not giving me a chance and I did try my best to make up payments. 
Again NATIONSTAR MORTGAGE LLC adress XXXX. XXXX XXXX, XXXX TEXAS XXXX, telling me we have to deal with THE BANK XXXX XXXX XXXX.
I sent out certified letters to Capital Auto Finance on XX/XX/18, XX/XX/18, and XX/XX/18 requesting to validate a debt they claim I owe. From the last certified letter I sent them on XX/XX/18 that was received on XX/XX/18 @ XXXX, they have not responded back in the time frame allotted which is a violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I advised them that I was maintaining a careful record of my communications with them for the purpose of filing a compliant should they continue in their non-compliance of federal laws under the Fair Credit Reporting Act. As they've violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item from my credit reports.
Ocwen Mortgage is requesting that I sign a Mortgage Amendment in order to make a payment on the website. I have a choice as to whether I want to receive a paper statement. I choose to receive a paper statement and do not feel I need to sign a Mortgage Amendment in order to make a payment online. Any type of legal document such as this should be mailed and not placed on the payment site in a small box ( see attachment ). I feel that Ocwen is acting in an illegal capacity. You basically need to get a lawyer to discovery the underlying lies that this Mortgage Amendment is covering up and what it really means if you sign it.
On   XX/XX/XXXX  someone ide ntified as  XXXX   XXXX  of  XXXX   XXXX   XXXX   XXXX  (  XXXX , TX  XXXX  ) purchased some items on credit from  XXXX . On   XX/XX/XXXX , the same customer purchased an additional item. A single payment was made on  XX/XX/XXXX       In   XX/XX/XXXX   my  XXXX   cou sin began receiving past due notices and phone calls from  XXXX . She tried to explain that she has a similar ( but not identical ) name, a completely different address, does n't know the person who made the charges, and that she is n't responsible for the debt.     The debt has since been sold  to Portfolio Recovery Associates.      We have made repeated attempts to find out how this account was opened. We have sent documents showing my cousin has lived at the same address si nce  XX/XX/XXXX  and i t is not on  XXXX   XXXX   XXXX .      Portfolio Recovery Associates h as refused to supply any proof that this debt is my cousin 's and continues to call and send her notices. My cousin has   XXXX  and  XXXX   XXXX  , and is   XXXX   XXXX   by their refusal to prove anything regarding this debt.
I have a dispute with US bank concerning an illegal credit inquiry that was done on XX/XX/2016 at the bank located in XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, IN XXXX. You will see from the correspondence that I sent a letter with other documents/Inquiry Removal form stating this negligent act .I have also called on three occasion and spoke with different representatives and still this matter has not been solved. 
What the bank have done with respect to injuring my credit, however, is absolutely unacceptable. I have learned from the Credit Bureaus, in the course of seeking to procure a loan that they have placed a hard inquiry on my credit report record with the major credit-reporting companies used by merchants and lenders all over this country. Because of this action, my credit is questionable for a loan approval, and I assume other credit will be withheld from me .I have been diligently working to repair my credit score and this recklessly indifferent act by an improperly trained person at the bank has caused a serious problem for me.