WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX has been servicing my loans since 2008 or longer I 've been a XXXX since, I also have student loans through XXXX. All were and have been in good standing ( deferred ) until XXXX drop the ball and defaulted all of my student loans they were holding. According to them they were n't aware of my school attendance. I then provided documentation that I have been in school and so they began to repurchase my loans, all except XXXX of my loans. My XXXX loans. Reason being is their saying that they are no longer servicers of those XXXX loans and that XXXX are the new servicers and that navient needs to repurchase them. Even though XXXX by error defaulted them cause they were holding the XXXX loans at XXXX point but now that they defaulted they are no longer the sevicers and do n't have access to repurchase the loans. So I 'm stuck in a situation where I ca n't go to school and get financial help as a single mother of XXXX trying to better myself I do n't qualify for financial aide services etc because I have XXXX loans showing defaulted. The grantors that have the loans are harassing me for payments and threatening garnishing my wages. I ca n't afford this I 'm barely making ends meet! I 'm trying to finish school to better myself and this has become a total nightmare. I call navient they say they ca n't repurchase cause they were n't the ones who defaulted the loans blas blas. I just need my loans repurchased! I do n't care who repurchases them. I 'm stuck in the middle of this nightmare XXXX made by error. And they do acknowledge it was an error but ca n't seem to help fix it! Can someone please help me? This is n't right. And if I ca n't attend school next semester due to these default loans on my account then it will only make matters worse cause then all my other differed loans will come out of deferment because I 'm not attending school, but how can I attend when I do n't have money to pay out of pocket and government wo n't fund my schooling with defaults on my record!?!!! Ive contacted the OMBUDSMAN for help as their looking into the matter as well, but now the grantors are garnishing my wages and Im sitting here in tears and stressed out trying to figure out how will I be able to provide for my children and keep our home with my checks being garnished by XXXX grantors XXXX and TG. This is wrong I hope I can sue for this hardship and stress these companies and lenders have brought to me by error and nobody seems to be able to help much and or fast enough so I have to sit here and suffer. This is so wrong!
Took a loan out for {$1200.00} have paid back {$1200.00} before Loan was due on XX/XX/XXXX. Balance has not gone down and still shows 12 payments of {$450.00} due every month. Have asked company for loan docs, asked why Loan balance hasnt reflected the {$1200.00} payment and what the payoff balance is. They will not work with me or show my loan as paid in full.
IMC Credit Services made a second phone call to my place of employment today XXXX XXXX XXXX, XXXX ) from the phone number XXXX after I already filed a complaint on XXXX XXXX, XXXX. Their response to the original complaint was that they would cease attempting to contact me at my place of employment.
On Friday XX/XX/18 I was called 6 times in a row ( a XXXX minute span ) On the 6th time I answered and said this is against FDCPA do not call this number again. On Monday XX/XX/18 I got a call again, I said do not call this number the lady kept saying who is XXXX and repeated to XXXX my number. She kept asking then finally said Ill be calling tomorrow and hung up.
I HAVE HAD IDENTITY THEFT. SOMEONE OR MULTIPLE USERS RAN MY CREDIT REPORTS AND SOLD IT CAUSE I HAD PROBLEMS WITH PEOPLE COMMITTING FRAUD THAT I REPORTED TO THE POLICE AND THE XXXX XXXX XXXX. MY HUSBAND ALSO HAD MISUSED MY INFORMATION TO GAIN ACCESS TO MY ACCOUNTS AND GOT INFORMATION TO SCAM ME OR TO HURT ME. HE ALSO USED INFORMATION TO GAIN ACCESS TO MY ASSESTS AND CHILDRENS SOCIAL SECURITY BENEFITS. HE HAD ACCESS AND HACKED INTO ALL MY INFORMATION IN CYBERSPACE AND TELEPHONE NUMBERS. ON HIS ACCOUNTS AND MINE AS WELL. I HAVE HAD TO GO THRU SO MANY EMAILS AND PHONE NUMBERS BASED ON THE FACT I COULD NO LONGER ACCESS THEM. HE WAS UP TO SOMETHING THAT SEEMED FISHY BUT I DONT HAVE IT YET SPECIFICALLY.
I have been defrauded by Capital One bank and possibly others. A credit Card was taken out, in my name. I have contacted Capital One bank numerous times with faxes and police reports stating their fraud against me. I have yet to have a resolution to my problem.
I received a letter from CCS saying that I owe $ XXXX.They say I owe this to XXXX and I do not. They have also been calling my cell phone and I NEVER have given them permission to call me or call me on my cell phone. I faxed a debt validation request letter to them on XX/XX/18 to XXXX. This is the CCS President XXXX XXXX fax number. I have a confirmation saying this was faxed and received on XX/XX/18. I also requested in writing that they cease all phone calls including my cell phone number that they have never been authorized/given permission to use. This was included in the fax they received on XX/XX/18. They have called me on my cell phone at work repeatedly and during meetings and other times while I have been at work. They have not stopped from calling me, and they listed the alleged debt on my credit reports negatively affecting my credit. They failed to comply with the FDPA and have not ceased calling me, they also have not responded to my debt validation letter requesting validation of this alleged debt and they added the alleged debt to my credit report. They haven't responded at all to my letter and not by the required 30 days. They are to immediately delete this from all credit bureaus and to cease all collection activity for this alleged debt that they have not validated.
This company has been on my credit report some time stating I owe a debt to them. I have never received mail in correspondance to this debt. I have contacted the company on multiple occasions through the number provided online ( XXXX, FL based company ) with little resolve to the situation. I have been hung up on, transferred repeatedly to sit on hold for long periods of time with ultimately no resolve to the situation, I have been told they can not proceed without a claim number ( which was never administered ), I have been told this company can not find debt under my name and information YET IT IS ON MY CREDIT REPORT! I am fed up with the lack of effort they have provided in addressing this " debt '' I supposedly owe. Each time I call I am transferred to an employee with a completely different excuse than the last. If I am such a stranger on their files why is my credit report being bogged down with this bogus charge! Since I have actively tried for a period of time to resolve this I am bringing the issue to your attention in hopes of some breakthrough in clarification.
Experian refuses to reinvestigate an item that 's appearing on my credit report. I sent several documents in that stand behind my claim. I was told although I sent in proof of the inaccuracies there 's nothing they can do about it. Only the company can remove inaccurate items. Please find that I 've included the necessary documents that this item is reporting incorrectly and still remains on my credit bureau. 
" Under Section 611 of the FCRA, if a consumer disputes the completeness or accuracy of his or her credit file, the credit bureau has an obligation to conduct a reasonable reinvestigation.79 The bureau must generally complete a reinvestigation within 30 days, in which it must consider all the relevant information supplied by theconsumer.80 More over it has five business days to forward the dispute to the relevant furnisher.81 The credit bureau notification to the furnisher shall include all relevant information received from the consumer.82 Ifthereinvestigationdeterminesthattheconsumer'sdataisinaccurate, incomplete, or can not be verified, thebureaumustdeletethedisputeddata.83 Furnishers have in dependent obligations under the FCRA, after receiving notice from a CRA of a consumer dispute, pursuant to Section 611 to conduct an investigation into the disputed information, to review all the relevant information provided by the CRA, and to report the results of the investigation to the CRA. ''
I applied for a home equity loan on XXXX/XXXX/2016 and sent the documents requested by the personal banker ( XXXX XXXX ) on XXXX/XXXX/2016. I did not hear from my processor ( XXXX XXXX ) until XXXX/XXXX/2016 and responded to her requests the same day. The processor does not return phone calls or emails. To add insult to injury, I received a notice in the mail that my application would be cancelled if I did not respond to the requests for documentation ( which I already provided ) by XXXX/XXXX/2016. I received another email from the loan processor on XXXX/XXXX/2016 asking me how I was progressing in providing the documents that she requested, to which I responded that I 'd already provided the documentation, and she has yet to reply to me. I have made several unsuccessful requests to speak with XXXX manager about these concerns and still have no resolution. XXXX lack of organization, customer service, and poor responsiveness have delayed the underwtiting process of my application and caused me unnecessary inconvenience.
XXXX has deleted 2 accounts from my credit report finally. However transunion and XXXX are still reporting this information on my report. I have submitted and uploaded proof that these 2 companies have given authorization to delete from my credit reports. I contacted transunion today XX/XX/2017 to explain that XXXX XXXX XXXX was deleted off my report and has been reinstated back on again this month. I have been dealing with this issue for months now. I was told by transunion they will open a new investigation. Now I have to wait another 30 days again. This is completely wrong this account has been verified to be deleted off my report but they are giving me a hard time about this. I explained it has been verified to be removed from XXXX so they should have received the same answer for transunion and why was this put back on my report again. I have been spending many hours and days try to correct this problem and now I 'm put back another 30 days having this on my report is affecting my credit score in a very negative way and causing me a hardship in obtaining substantial credit
GreenTree-DiTech MortgageI understand if someone needs to leave paperwork at your residence in reference to your mortgage. However, Strangers looking through your windows and taking photos is the worse violation that can be committed. I have notified many because of safety concerns.
This will be the 4th complaint i want to CFPB to take action i have a police report as the past 3 reports i have submited i have a police report actually i have 3 of them Ideal collections wants a fraud affidavid form as the police stated this form does not exist they keep asking for my ID this means whoever used my identity in fraud did not have it or pic is not me, they state signature is mine i state it is not as someone as well in 2012 also files a false tax return in my name using this addy same place they say i owe the debit, this will be the final chance to delete this as they again are asking for things that do not exist there is no fraud affidaivd per the police and their report i have IRS notice of identy theft if they fail to delete this from my report i will take legal action as Ideal damaged my credit and yes this is extorition as once again police report attached if they feel this reort is fake please contact XXXX PD as i am a well know public figure and prove residance in same place past 19 years
I spoke with Equifax on XXXX/XXXX/15 and asked them when the following accounts would be removed from their credit reporting. I was given the dates listed below in XXXX and XXXX of 2015. These dates are all past the 7 year mark and they all should be removed no later than XXXX 2015. I was told my only option was to dispute them which I did. The results are attached. 
Problem : Every time I call Equifax I get different information. 
These removal dates are all incorrect. They should be XXXX 2015. 
Equifax has told me they base the removal date on the DATE OF LAST ACTIVITY. This date is blank on every item listed in the attached report! When I ask what constitutes the date of last activity I get varying answers! I disputed all the accounts below but they only processed some of them. 
As can be seen from the information below Equifax, XXXX and XXXX all are using different dates. Am I to assume these companies are reporting different dates to each credit bureau? This makes no sense. 
Account # Equifax XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2015 Deleted DeletedXXXX XXXX XXXX XXXX XXXX/XXXX/2015 XXXX/XXXX/2015 DeletedXXXX XXXX XXXX XXXX XXXX/XXXX/2015 Deleted DeletedXXXX XXXX XXXX/XXXX/2015 Deleted DeletedXXXX XXXX XXXX/XXXX/2015 XXXX/XXXX/2015 DeletedXXXX XXXX XXXX XXXX XXXX/XXXX/2015 XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 Not Reported DeletedThese dates need to be fixed and the accounts deleted.
I became involved in a " hit and run accident '' chase in which the police was chasing a truck. I was pulled over to the side of the street when the truck came over and smashed the back of my car while the police was chasing. Police caught the truck and men were arrested.and jailed. XXXX XXXX XXXX police made a report and sent me a copy stating I was a victim and therefore not responsible for my car being destroyed. Toyota Financial took possession of the smashed car.and it was a discharge. 

Toyota Financial included the car on my credit report for {$18000.00} stating it would remain there for seven years and then drop-off Toyota Financial state I write to three credit companies and " request this be removed from my credit report. I did exactly as Toyota requested. I just need a letter from Toyota Financial stating I was not responsible for this " hit and run ''.
On   XX/XX/XXXX  I ord ere d   XXXX   items  through  XXXX , which uses Paypal to make payment. The cost according to  Paypal  were {$3.00} Item #  XXXX  Transaction ID  XXXX  and {$9.00} Item #  XXXX  Transaction ID  XXXX . I wanted to cancel the transaction. Paypal have refused to refund my money. It seems that the shipping of these items were by  XXXX   XXXX , who was unaware that they shipping items from  XXXX  that were paid for with Paypal. Using this particular method of independent vendor,  XXXX ,  Paypal  and  XXXX   XXXX  creates an atmosphere where it is nearly impossible to have a return or cancel an order when each of the companies places blame on the other partners involved in the transaction. To date I have spent ove r 4 h ours on the phone and have nothing except   XXXX    XXXX   XXXX . I have recently contacted Paypal speaking to a  XXXX  #  XXXX , supposedly a Disputes and Claims manager.  XXXX  wanted me to say that I was having problems with the vendor, I explained my problem was with Paypal because they were the ones that were listed by my bank for withdrawing the funds from my checking account. In my opinion Paypal is the major participant because they were the ones who deducted the monies from my account. Once I became aware that  XXXX   XXXX  was involved I have tried to cancelled the order. Paypal has accepted no responsibility and yet accessed my checking account. Paypal has locked me out of my account so I am unable to provide transaction details.
I submitted a request for XXXX XXXX XXXX via XXXX, a phone system that allows submissions to the three big reporting agency during a single call. On XX/XX/2017 at approximately XXXX  pacific time I submitted each request while on the phone call and received a confirmation for each submission. 

Within 10 days I received my report from XXXX. 

After a month TransUnion and XXXX have refused to supply the report. 

This has been the pattern for several years now AND TransUnion and, particularly XXXX contain the most false information about me and provide the most resistance in correcting the information ( ie incorrect names, false addresses, false financial transactions ). These two companies draw this process out for 6 months and more.
My student loans, serviced by Navient have become unmanageable due to circumstances out of my control and now they are impacting my quality of life and causing XXXX. To be able to graduate from the University XXXX in XXXX meant that student loans were going to be a part of my future. I had no idea that they would be this heavy a burden, or that they would grow so quickly with high interest rates. Navient 's total for my loans at this time is nearly {$32000.00}. 

Over the course of my loans since XXXX, I 've struggled to afford payments and several times have been forced into forbearance or into income-driven repayment plans even though I have worked jobs since being in college. Navient would n't allow me to stay in my income-driven repayment plan. They said the reason was changing policies that were out of my control. These new payment amounts are far beyond my means, even though I do have a job. The deadlines for certain forms had passed before I even knew they existed. 

I 've done my best in keeping these loans in good order and paying them off to the best of my ability. Navient has not helped in this and at times has made it harder to understand my options or answer my questions. Unresponsive when I contact them, however Navient sometimes contacts me several times per hour 24/7. I 've asked them to limit the calls which they do not. These calls can come from all across the states. 

Further, I 've done some research online which uncovers thousands of similar complaints and other shady activity that could have impacted me over the course of my loans so far. The kind of predatory lending techniques used on me and other students is appalling. 

My loans are now bigger than they have ever been and I 'm even more worried by the fact that As Education Secretary, XXXX XXXX would n't give a XXXX about protecting my rights as a borrower and holder of student loans. 

I 'm seeking relief in the form of compensation for any fraudulent or unnecessarily aggressive lending tactics practiced by Navient. I 'm seeking relief in the form of aid and affordable options for handling my loans in the future. I 'm seeking relief in the form of an explanation as to why I have been targeted by Navient, being that student loan borrowers are some of the most vulnerable individuals with the most potential to be wasted. I 'm seeking to unite with others who have been wrongfully treated in order to find assistance and a voice.
A home with no mortgage was sold to an unrelated party in XXXX 2014. On or about XXXX 2014 Ocwen Loan Servicing posted a Fraudulent Lien listing with XXXX which they continue to refuse to remove. Ocwen has not one piece of paper signed by me as any sort of basis for this " mortgage '' on a residence I no longer own and both the other credit bureau 's have since read the documents and removed it from further damaging my credit reputation. Ocwen continues to lie to XXXX and they continue to refuse to examine the documents which prove Ocwen is a liar.
Someone has opened a credit card in my name with Chase. I have told them several times that I DID NOT open this card. I never wanted this credit card with Chase. Not only that but somehow there were payments taken out of my bank account to pay for this card without my permission. I 've called and called and asked for the money that was taken out of my account to pay for this credit card to be returned to me, still no response. I 've also advised them that I did not make any of these payments to my card and then later they told me that they can not return it because I owe it to them. This is hurting my credit and I do not have the money to make the payments to save my credit! I also just found out that somehow this account number was changed from my previous card ending in XXXX to XXXX, another thing I did not authorize. I was also re-billed for charges that I DID NOT authorize and am trying to get removed to resolve this issue! They also claim that the charges on my account for merchandise that was purchased was shipped to me and signed for by me, NOT TRUE. I was not even home to sign for anything nor did I order it! I have filed several complaints with this company and they DO NOT listen.
Due to the large Equifax hack, I 've been put on the list for people who have potentially been affected. I 'm submitting a complaint because the fact that a credit bureau was hacked so severely is troubling.
I noticed there was a hard inquiry on my credit report from XX/XX/XXXX. I looked it up and it is from XXXX XXXX. I have never tried to open a card with them. I called them and they did an investigation and said I needed to go through Experian/the 3 major credit agencies. I did just that and Experian said " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. '' So then it said to contact the originating agency, which I have done previously. I looked at the report as well, they didn't address the XX/XX/XXXX issue and instead there was another hard inquiry from XXXX XXXX from XX/XX/XXXX which I never had as well. I really would like help with this, I have never ever applied for a card from them. I contacted XXXX and Experian and neither one was able to resolve this.
I consolidated all my student loans with USDE aka XXXX as directed by my college counselor. After I consolidated, XXXX XXXX servicing continued contacting me after I sent proof that I had consolidated, since they would not accept my consolidation with XXXX, we set up a separate repayment agreement with XXXX XXXX. XXXX XXXX then hired Performant Recovery who sent mail, called my cell, called my job 2-3 times everyday where I was eventually fired due to harassing calls. After updating all my info with XXXX and Performant Recovery to establish a new IBR or qualify for a forbearance, Performant Recovery hired XXXX XXXX XXXX XXXX who ruled on a judgement to have my wages garnished where I was not present to defend myself.
I had XXXX, then saw ad from XXXX about paying-off contract from XXXX XXXX XXXX. Went to XXXX but had to submit my new cell phone. I paid XXXX amounts of {$96.00} that SAME day before handed the " new '' cellphone. The " new '' cellphone happened to be a refurbished one and to my surprise it never worked. A few days later I called XXXX and explained situation. The representative answer was " My hands are tied, ca n't do anything about that ''. The next step I took was to cancel the account. A month later I received a bill for the month of " service '' that was supposedly used. Again, call XXXX to inquire about the charge and explained about the cancellation ( I had previously ask for a cancellation reference number and was told that they did n't do that ) and that they knew the account was cancelled. Next month ( two months later ) I received another bill for the " service '' they had " provided '' .I did AGAIN the same thing : called XXXX, explain, was given the same " run-around '' excuses and the SAME explanation, " My hands are tied '' ( I 'm sure they have the conversations recorded ). At this point I was ( am ) still extremely XXXX insulted by the business practices of this IMMORAL corporation. I strongly invite you to see my credit scores and history and SEE for yourselves what kind of client I am and most of all, my moral character when it comes business practices and how I deal with my financial responsibilities. At this point I still feel I owe nothing to the immorals at XXXX and actually I'AM the one something is owed to. At this time I want to offer my gratitude for your time in helping unravel this situation. Thanks and feel free to contact me at my e-mail.