WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom It May Concern : After the discharge of my bankruptcy in XX/XX/XXXX, I received paperwork and phonically from Navient reporting I was past due on my account. This was an account I was not aware even existed. They assured me it belonged to me and that they were the holders of a student loan debit and would be servicing the account. Little information was provided to me and I should have probed further at that time, but I went ahead and assumed it to be my responsibility. As a result I have been making monthly on time payments to the loan since then ( XXXX XXXX ) In the past several weeks I have been gathering information for all of my student loans ( interest rate, estimated payoff date ) for the consideration of consolidation and refinancing. This of course includes the above loan with Navient. 

While digging through the different tabs on Navients website, I discovered this loan was dispersed to a institution ( XXXX XXXX XXXX XXXX California ) I have never attended nor applied to with a disbursement date of almost 10 years ago! I quickly got on the phone with the company who transferred me to the fraud department. I spoke with " XXXX '' who confirmed that I indeed never attended that university. Unfortunately he could provide no further information on the loan and advised me to complete an ID Theft Affidavit. 

On Sunday XX/XX/XXXX I faxed 16 pages worth of personal information to Navient for my theft affidavit. This included social security cards, drivers licenses and passports. After three phone calls they confirmed yesterday that they did not receive my information nor could they speak to where it might be. The fax number was confirmed to be correct and the first page of the affidavit offers to reassure customers that personal security is important and my information would be protected. When asked to speak to a manager I was told no one was available. This is a recurrent theme with Navient where no one answers or you are prompted to leave a message and no one returns the call. 

I again spoke with " XXXX '' yesterday who provided another fax number and another mailing address ( from the original that came with the original fax number ). No sense of concern at all for this pertinent missing personal information was communicated. So now I I have had to freeze my credit which required a fee in my state and pay to notarize paper work for the purpose of the affidavit and continue to pay a loan that was issued to a school I never attended.
On XX/XX/2018 and XX/XX/2018 I sent two certified notarized letters via USPS to Equifax ( Tracking # XXXX XXXX XXXX XXXX and Tracking # XXXX XXXX XXXX XXXX XXXX ). The first letter demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts listed below. 

XXXX XXXX Acct # : XXXX XXXX XXXX Acct # : XXXX Equifax has failed to provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA Equifax is required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

The second notarized letter request the removal of unauthorized credit inquiries on my Equifax credit report. My latest credit report shows 25 credit inquiries that I did not authorize. 

I am writing to dispute the following inquiries and asking for their removal from my credit report. 

All certified correspondence sent to Equifax will be used in court to seek monetary award for damages to my personal credit
I spoke with a representative from Equifax earlier today. I was calling to dispute incorrect information in my credit file pertaining to inquiries that was not authorized by me. The representative begin to tell me that those inquiries could not be disputed and to contact the creditors. According to the FCRA Rules, FCRA 623 ( b  ) ( 2 ) and 611 ( a ) ( 1 ), it  states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the information from it files. These are the inquiries that should not be reporting on my credit file.    XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX      XXXX   XXXX    XX/XX/XXXX   XXXX   XX/XX/XXXX
I received a call from EOS CCA in regards to a delinq tax bill. I answered and no one said anything, when i returned the call on XXXX at approx XXXX I spoke with XXXX. i was a little skeptical per not receiving anything notifying me of the debt that has been owed for XXXX years and when returned call she answered as though she had called me after finishing her conversation ( I 'm guessing with another rep ) she was very sarcastic and condescending. I agreed to pay after verifying was a legitimate company and asking numerous questions. I specifically asked more than once if payment can be post dated on a debit card and that the payment was set for the XXXX of XXXX she kept saying that is correct. ( The call really needs to be reviewed ) I instantly received notification that the funds had been debited immediately. I obviously returned the call and spoke with a supervisor that advised I would need to send in proof payment was made after he verified the debit payment was made and was noted in the system was supposed to be debited out on XXXX ... needless to say I was very upset by this he stated he would contact the MO dept to verify and contact me back. I have yet to receive a response and know my rights have been violated per the FDCPA b/c I did NOT authorize the payment to be debited from my acct on XXXX
DEBT COLLECTOR : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX On XXXX @ XXXX, CSR states they have not received release from Creditor, however, Debt was settled back in XX/XX/XXXX through Financial Aid approval and Co-Payment paid in XXXX. 

Debt collector has had ample time to update their records. 

Debt collector CSR stated " Doctors don't take charity and this is for doctor 's bills. '' However, Original Creditor/provider XXXX XXXX has confirmed all charges have been closed/paid for this medical visit on XX/XX/XXXX. 

Debt collector continues to send collection letters and continues collection calls on a already settled account.
I took a loan for XXXX with this company called Big PIC loans. I knew the interest was high however, I did not know that I would be paying this much. I already paid them XXXX in XXXX biweekly payments. When I reviewed my future payments I have payments scheduled payments through XXXX 2017 for XXXX on an XXXX loan. I made a big mistake.
Applied for 5/5 ARM ( refinance ) with Navy Federal Credit Union on XXXX/XXXX/2016. As of this date, I am still waiting on an " Appraisal '' to be completed and getting the " Approval Letter. '' Initially my Loan started as a VA refinance but I quickly changed to 5/5 ARM within 5 days of XXXX/XXXX/2016 because of better Interest Rate. 
My Assigned Navy Federal " Loan Processor '' in XXXX, XXXX had no knowledge of XXXX Laws regarding ARM refinancing. I was then reassigned another " Loan Processor '' on XXXX/XXXX/2016 and an Appraisal was ordered on XXXX/XXXX/2016 but NOTHING has happened with this Appraisal as of today 's date of XXXX/XXXX/2016. Still NO " Appraisal '' has been started let alone completed. 
I am still waiting on some REQUIRED " Disclosures '' that still have not been sent to me, namely the Credit Report findings DESPITE the fact Navy Federal Credit Union pulled another Credit Report from TransUnion over 2 weeks ago. 
I was told that I have excellent FICO Credit Scores averaging XXXX between my wife and myself. 
Navy Federal Credit Union " Loan Processing Center '' in XXXX, XXXX in my opinion LACKS the proper training of Loan Processors and they DO NOT follow Federal Laws on " Disclosures. '' Bottom Line, I am now 6 Weeks into the Loan Processing and STILL NO " Appraisal '' has been done on my Property. 
Navy Federal Credit Union may be DELIBERATELY delaying the processing of my 5/5 ARM " Loan '' refinancing so that they can get an ADDITIONAL fee past the initial 60-day rate lock. 
Navy Federal Credit Union " Mortgage Processing Center '' needs to be investigated for purposely delaying process of my Mortgage " refinance '' loan. 
Please HELP. 
My LOAN Number is XXXX
I received a letter dated  XXXX   XXXX ,   XXXX   and attempted to collect {$110.00} which I do not owe.     I have already paid {$59.00} for  XXXX  sessions and the company is trying to rip me off by charging me {$110.00} for the service they never provided.     I have mailed in cancellation notice to   XXXX   XXXX  s on  XXXX   XXXX ,   XXXX   so they are not authorized to charge me the service that I never agreed and they also never provided the service for the amount they are trying to collect.     I belive this is a fraulent billing tactics after I cancelled the membership.
XXXX has been non-compliant with removing the unverified account SANTANDER CONSUMER USA XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that SANTANDER CONSUMER USA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I was contacted by phone at work for a debt that I do not owe. I was contacted by the bottom feeder known as Portfolio Recovery Associates , LLC.
SENT COPIES OF PAID RECEIPTS TO ALL THREE CREDIT BUREAUS AND STILL NOT REMOVED AS OFXX/XX/XXXX
I have spoken with XXXX on XX/XX/2018 and informed this account was processed by medicaid/medicare for the amount of {$300.00}. XXXX have informed me she don't have information on the account. XXXX rudely informed me I need to handle my medical business better. I have medicaid/medicare and I am also a XXXX veteran XXXX XXXX. Please help get this information removed from acct.
XXXX  XXXX/ XXXX XXXX CAPITAL ONE AUTO FINANCE XXXX XXXX I HAVE REPORTED DISPUTES ON THE ABOVE CREDITORS FOR REPORTING INACCURATE DEROGATORY MARKS, ACCOUNTS STATUS, AND VIOLATING MY CONSUMER RIGHTS. I HAVE FILED A COMPLAINT WITH XXXX   PREVIOUSLY ON XXXX XXXX/XXXX  XXXX AND I NEVER RECEIVED ANY UPDATES, REMOVALS, OR VERIFICATIONS TO SUPPORT THEIR REPORTS.
I am trembling with anger over this situation. I work in the financial field, and I do not like to bash or make complaints about the services offered, but I feel that this must be done so that changes can be made. 

I am staying at a hotel, and I have a credit card that I enjoy using. I like the company, the payments are very reasonable, and I am glad to have the card. I made an extra payment on my card so that I would have that balance available to pay for my room, as I am having some repairs/upgrades completed on my home. I chose to use this card for this situation because it is a rewards card that offers points. I made the payment online, or on my mobile app -- I do n't remember -- but it states " Transactions submitted by midnight XXXX XXXX will be sent immediately and will take effect the same day. '' So, I felt confident that the credit would be available for use immediately, as I made the payment at approximately XXXX XXXX XXXX XXXX the day before. However, when the hotel tried to run my card, it was declined. I called my card company to try to find out why the credit was not available. I spoke to a rep who was very nice, and he even spoke to his supervisor, but there was nothing he could do to make the credit available, and they were also unable to increase my credit limit to accommodate my dilemma. 

This entire situation should not have occurred. If the payment is not going to post as available credit immediately, or not even by the next business day, which was today, then the information on the website should not state that it will be. In my opinion, this is a deceptive practice. I could have used a different card, or given the hotel cash to pay for my room instead of putting the money on my card. I am on a very tight budget, but even if I was n't, this is totally unacceptable. I need 100 % clear knowledge of when my payments are going to post as available credit, as I am sure everyone does. At this point, I feel duped and lied to, and now I have to come up with {$200.00} from somewhere else because of this situation. This is more than just a simple inconvenience for me ; this is an embarrassing and unnecessary situation that has caused me a bit of financial hardship.
This account was put in collection more than 2 years ago without my knowledge and now I received constantly calls from collection harassing me and treated me about jail if I do n't paid this debt who was send to a collection agency without any attempt to contact me first and find out reason why this account was delinquent. I get XXXX invoices from the same company with XXXX different amounts.
Request I am writing to request that the late payments reported by Dovenmuehle be removed from my credit report and to highlight Dovenmuehles poor processes and behavior that ( 1 ) led to the missed payment report and ( 2 ) prevented me from resolving the issue with Dovenmuehle itself.

Summary Dovenmuehle failed to properly notify me that they cancelled my online recurring payments. Instead, I was notified of a payment issue for the first time on XX/XX/18 by XXXX XXXX because Dovenmuehle reported my account as delinquent to the credit bureaus.

Dovenmuehle claims they mailed me a letter stating my accounts were delinquent. I did not receive that letter. Dovenmuehle did not notify me that they ceased recurring payments by phone or email.

I immediately called Dovenmuehle to resolve the payment and credit report issue. I was repeatedly harassed, intimidated, and threatened by Dovenmuehle agents as I tried to do so.

Attempts to Resolve Issues with Dovenmuehle Attempt 1 : Phone Call with Collections Agent, XXXX, Saturday, XX/XX/18, XXXXXXXX XXXX   CST, 10 minutes. 

During this conversation I was told that I couldnt resolve the missed payment and credit report issue together until Monday. I stated that I would wait until Monday to resolve both issues together. The agent then stated that if I didnt make the payment with him immediately he would report that I made no promise to make the payment in the future. 

I believed he was trying to scare me by threatening me with legal action/foreclosure if I did not pay immediately. I subsequently asked him if our conversation was recorded so that I would have proof that I did not say that. After this question the agent stated that he was changing his report. 

Attempt 2 : Phone Call with Customer Service Supervisor, XXXX, Monday, XX/XX/18, XXXXXXXX XXXX  CST, 25 minutes. 

I was told that Dovenmuehle would not resolve my credit report issue unless I mailed them a letter. The representative stated the issue could not be addressed by phone, by email, through the website, or any transparent processes.

Dovenmuehle could give me no guidance on what the letter needed to prove, what the timeline was, who would oversee it, or any information that made me believe the letter would be considered. Instead, their lack of transparency led me to believe this was an attempt to ignore my concerns. 

Attempt 3 : Phone Call with Customer Service Supervisor, XXXX, Tuesday, XX/XX/18, XXXX XXXX CST, 21 minutes. 

I explained during this conversation that if the company would not make me a promise to address this situation with the credit bureaus that I would dispute the claim with all credit bureaus and file complaints to the XXXX XXXX XXXX   and XXXX XXXX XXXX XXXX. The supervisor subsequently told me that my complaint would be forwarded to a senior manager and that I would get a response to the credit bureau situation within 48 hours. No one followed up.
Toyota financial repeatedly calling all hours and with rude language, I do not have a Toyota, do not own a Toyota, I just got the phone number on XXXX XXXX. they call all hours and are rude and nastXXXXy, I have called trying to get my number off and to no avail, im going to file a lawsuit against toyota
On XXXX 2016 I deposited a third party check which was a settlement for my friend XXXX XXXX. Chase requested that she produce ID. on XXXX XXXX we went to the Chase bank in XXXX and all she could provide is a XXXX XXXX ID and they would not accept it. If she had proper ID she would have opened an account. On XXXX XXXX my account was closed at which time since the check cleared I should have received a refund check for the balance. They are hold the funds for approximately 2 months. The payer, her lawyer XXXX XXXX XXXX has called to confirm that she is XXXX XXXX and that she gave permission for me to cash the check. She is homeless and needs these funds. Chase should have either returned the fund to XXXX XXXX XXXX XXXX 's account or provided as certified check. This is unlawful for them to hold these funds
It is my understanding that when a federal holidays falls on a friday that transactions should post on the business day. Having said that, Chase charged me an NSF fee on friday XXXX XXXX, when banks were observing Veterans Day, which should have allowed all my transactions to come through over the weekend and should have all posted officially on Monday, XXXX XXXX. I opted for the overdraft protection in the past, so normally i would make a deposit before the end of the business day to cover my balances and transactions, so to my surprise i found i was charged a fee of {$34.00} on XXXX XXXX, which is when the banks were observing XXXX day. I contacted Chase and they refused to assist me and actually stated they have internal policies and chose to observe XXXX XXXX on Saturday alone and that they would not help me. Please help me resolve this issue since this really is an unfair practice for them to charge fees on extended weekends when all other banks gave their customers the proper procedures and opportunities to bring their accounts current. I should not have been given this fee based on the fact that it posted on a long federal holiday weekend and transactions should have posted on Monday, like all banks did. Thank you!
After exposing my information in a public manner by faxing it to a third party I contact Sterling Info Systems to withdraw my authorization to perform a background check. They refused to do so stating that only the original employer/requester can do that. This is unacceptable, this is my information that this company is putting at risk and has proven to not be able to handle properly. I am withdrawing and have withdrawn my authorization for them to provide a report to my employer as well as my authorization to continue any additional checks or screening. They have not complied and are continuing to do this work and continuing to distribute my personal information.
I purchases clothing items from XXXX on XX/XX/2017 and after receiving the items I noticed that they did not come from XXXX but a third party. After examining the items, a couple of the items were damaged and the others were of very low quality. I contacted the company by email and requested that the items be returned. All I can get from the company is a run a round and that they will issue me partial refund and I can keep the items. This is not acceptable since the refund is about 1/3 of the cost of the items. The last contact with the company was XX/XX/2017 and still they are insisting on partial refund of the items.
declined application for CITI credit card XX/XX/2015..Application ID XXXX. I only recv XXXX. I Only use 3 % of available credit. I have credit score XXXX. I have 100 % on-time pymts. I 've had high bal of & gt ; XXXX $ with a current XXXX balance on a few accts. Cons ; ONLY XXXX YR XXXX. XXXX THAN 2YRS rebuilding credit since Divorce. Please Help me.
Pendrick and XXXX XXXX continue to attempt to collect a debt that is not mine. I have requested they supply me with debt validation and they have failed to do so. Pendeick continues to reassign the collection debt, knowing they are unable to validate the debt.
There is a company CIT Bank NA listing a Mortgage on my credit file that is inaccurate and false information reflecting an account number XXXX. I have never had a {$620000.00} mortgage loan. I have disputed this information prior without a single response. This information is false and violating my rights. Please help assist me.
I have called the credit bureau and the agent advised me that I would have to call the original creditors to remove the unauthorized credit inquiries. I called in the original creditors and they seem to have no idea how to remove the inquiries from the credit bureau. 
Please remove the following unauthorized inquiries immediately as they are effecting my financial well being. 
1- XXXX XXXX 2017-XXXX-XXXX 3- XXXX XXXX XXXX 2017-XXXX-XXXX 3-XXXX XXXX 2017-XXXX-XXXX 4-XXXX XXXX 2017-XXXX-XXXX 5-XXXX XXXX 2017-XXXX-XXXX
XXXX XXXX XXXX is the Current Servicer Foreclosing On My Home. 
They are Not On Any NOTE or Deed Of Trust. My Loan was Originally Thru XXXX purchased in 2002 and has been Securitized Thru MERS and On XXXX XXXX As a Mortgage backed security. Nationstar is currently the Servicer only and Not On Any prommissary NOTE or not on any Deed Of Trust As an Owner, It is my strong belief that they have NO Standing To Foreclose And have No Rights to my Home especially since it has been Securitized Thru XXXX Years Ago on XXXX XXXX and Put Thru the MERS System. NO Current Note Could Be Found At All By Nationstar ( The Servicer ) Showing Any Proof Of ownership. It is my belief they are committing FRAUD on The Court and Fraud in many aspects.
Bank of America notified me on XX/XX/XXXX of last year that they require I have valid FLOOD Insurance coverage for a detached garage on my property and permanent home residence. I produced the documentation proving the existence of flood insurance on my home, but the bank refuses to accept my current and valid flood insurance coverage provided through FEMA for the detached structure. This is a standard FEMA policy the bank should be familiar with. 

I and my insurance agency have both submitted proof of such coverage, but the bank has refused on 3 separate occasions and numerous phone calls to accept the documentation provided. Instead, they have bought flood insurance on my behalf at a higher price than I would obtain, and have charged my account with the cost of this duplicative insurance. Their policy has a premium of {$360.00} for {$18000.00} worth of coverage for the detached structure, already covered up to {$25000.00} under the insurance I purchased. 

The policy I purchased states on page 3 in the documentation ( which is standard FEMA SFIP Dwelling Form ) that attached structures are covered up to 10 % of the value of the main flood insurance coverage, this value being higher than the minimum demanded by the bank. Bank of America have refused to accept this documentation. 

The last effort involved my insurance agent calling the bank to assert the validity of the coverage in addition to sending them additional documentation, yet they just sent a new letter on XX/XX/XXXX,  again rejecting this coverage and refusing a refund. 

According to my agent, this is standard FEMA coverage policy the bank should already be familiar with, so I believe they are doing this in bad faith to squeeze more income from their customers. This has to stop. 

Bank of America 's initial notice was on XX/XX/XXXX, and we have been fighting this issue ever since to no avail. The last and most complete information about applicable coverage was sent to them around the XX/XX/XXXX from my agent 's office. I need your help desperately to fight this. The bank refuses to accept valid documents, so it seems I have no recourse but to seek help from your agency.