WillisBack/dataset-financial-user-claim huggingface dataset:
While I was working at my past employer from XX/XX/XXXX-XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, I called Navient known as XXXX XXXX that I was having difficulties paying my student loan debt. I asked if they have a programs on reducing payment, consolidating, etc. I was told that my situation that I should do a Forbearance. They never gave me an option on changing the amount, etc. They also did n't tell me that I would be charged on interest. Also, XXXX College I was attending from XX/XX/XXXX-XX/XX/XXXX and my company was paying for my tuition. I 'm starting to wonder if they gave back the financial aid. As of today, I have done a short forbearance and lowered my payment balance, but they assume that I can pay each month {$220.00}, which on top of that I have loans from XXXX XXXX that are {$1000.00}. I asked to go to an income based plan, because I am married. My husband will not pay for the loans. I have a daughter and I 'm currently making a year {$52000.00}.
Multiple incorrect aliases are listed on my credit report. One may be my father, one may be a roommate from 25 years ago, and the others appear to be typos. None have ever been used by me and I'd like them removed immediately.
XXXX is showing a negative account being reported from 2012! this should not be on my report.

Wells fargo delear services is also doing the same thing Please erase files off of my report. Account is being shown inaccurately and hurting my credit report. 

I am a hard working individual that never misses a payment. All of my bills are paid on time. I can show my credit report to verify. 

I will attache where my dispute was approved after a through investigation from another bureau. Both accounts have been deleted from other bureaus. 

Please help me. Many Thanks
We have been solicited by our current servicer, JP Morgan Chase for a HARP refinance. The loan is owned by XXXX XXXX ( XXXX ). Last year and again this year, we submitted our application over the phone and supplied Chase with all documents as requested. We have a HELOC with XXXX Bank, and understand that loan would need to be subordinated. In XXXX, Chase denied our loan stating that XXXX did not respond to their request for subordation. According to XXXX, Chase ( via their title company, XXXX XXXX ) never contacted XXXX Bank. At that time, we were offered a standard refinance at a higher interest rate and significant out-of-pocket closing costs, including an appraisal, title search, etc. In XXXX XXXX, after numerous solicitations, we applied a second time for a HARP refi, and were assured that the issues that occurred previously would not happen again. The last communication we received from Chase was on XXXX/XXXX/XXXX, via secured email in response to my email requesting an update on the process. In that email, XXXX XXXX at Chase Bank indicated that he just received request from his processor that XXXX was requesting income verification and a copy of our Hazard Insurance XXXX. We supplied all of these documents on XXXX/XXXX/XXXX. Since then, again, we were notified by Chase over the telephone that our refinance loan was withdrawn because XXXX was requesting documentation that Chase could not or would not provide. We contacted XXXX directly and were told that they requested from Chase, through XXXX, either income verification and an appraisal OR a written request from us as borrowers to reduce our Line of Credit limit to equal the current outstanding principal balance. We agreed to those terms, notified both XXXX Bank, Chase and XXXX XXXX of our intentions and received an email back from XXXX indicating that the " title order was cancelled ''. We have had no further communication from Chase either via US mail or electronically, that there were any issues or concerns with our loan application.
In XX/XX/2018 I contacted Navient to extend the income-based repayment option ( IBR ) on key federal XXXX loans, which at the time totalled roughly {$85000.00} with about 5 % interest. On the phone, the representative repeatedly dodged my request to do this, highlighting the options of the consolidation plan which had a $ XXXX  monthly payment opposed to {$150.00} for the IBR. The rep highlighted NONE of the effects of the plan other than the monthly payment, and due to distractions at the time and the reps persistence I agreed to the consolidation. When I realized they had added almost {$30000.00} in capitalization costs and fees and my balance was now nearly {$120000.00} at the same interest, I called ( XX/XX/2018 ) to see if they could work with me in some way to reverse/reduce the amount. They refused. I called again a few days later and requested the same, and also highlighted my concerns about pressured and potentially unscrupulous lending tactics, their response was to send me a copy of my promissory note! I called one more time ( Fall 2018 ) to ask again for help, reminding them I have XXXX kids and only make $ XXXX ( I've since become unemployed unfortunately ), and that the loan had placed devastatingly undue hardship upon my family. They never got back to me, and restated my balance of {$120000.00} and given interest rate. Please help!
We consistently receive phone calls to our home number from Portfolio Recovery Services. I have asked them not to call and confirmed we do not have an account in debt collection. They continue to harrass us by contacting our home number and hanging up or leaving a voicemail.
All of the credit inquiries were made on the same day through a company that was searching for the best rate. I found information regarding credit reports that stated that inquiries made within two weeks are considered XXXX inquiry and these inquiries were actually made the same day. I ask that these items be removed or be reported as XXXX entry on my credit report.
I have been paying monthly for 10+ years. Since XX/XX/XXXX- Ive worked with XXXX with XXXX as a XXXX XXXX -and therefore my job qualifies me for PSLF. Ive been forced out of this program in the past as my income based repayment was at one time $ 900+ per month. Finally I received notification that my IBR would be  affordable- and so I enrolled again over 1 year ago for the PSLF . My payments last year were {$570.00} and now this year are {$470.00}. I am not making dramatically a different salary- so the fluctuations are a little weird- especially that when I first applied - my payment was {$900.00}. 

I checked this weekend to see where Im at with qualifying payments- it said 3!!! 

I just emailed them and havent heard back yet. My real frustration is that Ive made these payments since XX/XX/XXXX and have worked since XX/XX/XXXX in a qualifying area. I believe that they are playing games with me in The following ways : 1. Giving me a very high ibr when I initially enrolled. 
2. In the years after I wasnt enrolled because I couldnt afford it- I called almost every 6 months to try and find options that would make sense and that I could afford. 
3. Finally- after wasting several years not enrolled - I reapply and its affordable? Its basically the same payment I was paying? 
4. Now that Ive been enrolled officially into PSLF since XX/XX/XXXX- I only have 3 payments listed as qualifying? 
Help!
A vehicle lease reporting on my credit file was NEVER delinquent but Equifax is reporting XXXX late payments for XX/XX/XXXX and XX/XX/XXXX for XXXX # XXXX. This account was never late and should not contain any status codes. I have requested a reinvestigation to forward me any evidence/ proof and descriptions used to conduct an investigation and yet i have received nothing after each of my disputes and requests. I do not believe a proper investigation was done, these late payments never occurred and the furnishers would agree but they have informed me that no one from Equifax has verified anything with them. Experian and Transition are NOT reporting any late on this account. SO how does equifax have this account reporting this way? illegal
I sent a HIPAA Validation request letter to Syndicated Office Systemst for a medical debt reporting on my credit report, to which I never received a response.
I have had to exercise my option to defer ( extend ) payments to the end of my loan, in the summer of XXXX and XXXX. GM Financial has reported both the XX/XX/XXXX and XX/XX/XXXX payments as over 30 days on my credit, both with XXXX  and XXXX XXXX. I contacted GM Financial in XX/XX/XXXX to dispute the most recent reported late payment. After looking at the situation, they told me the deferment ( extension ) was processed after the payment was 30 days late. I reminded them that I had submitted the proper documentation and the payment to process in time. I called to follow up the next day, after submitting both the paperwork and the payment to ensure everything had been received. Their system was down that day ( Saturday ) and they could not tell me anything until the following week. I was assured it would be effective dated for the receipt date. The person in XXXX told me to file a dispute with the Credit Bureaus. I did that XX/XX/XXXX. The reporting for the XX/XX/XXXX was removed upon the resolution of that dispute. The next month, XX/XX/XXXX was reported again as late. I called GM Financial on XX/XX/XXXX to, again, go through the long process of explaining everything to hear the same responses. Finally, a supervisor assured me she was going to review it with the credit reporting team and get back to me the following week. Last Saturday, XX/XX/XXXX, I finally had time to call to follow up, after getting absolutely no response in over a month. I had to, once again, explain everything to be told the same responses, along with another supervisor telling me what " I '' would have to do to correct it. I explained in very clear terms, my next action was to file a complaint through CFPB. I asked him the time frame he needed to get a response from the credit reporting team. He said Wednesday, which was XX/XX/XXXX. I have not heard or seen any response. I purposely waited another couple days, in case something came up, preventing a timely response. 

I, now, would like to have both XX/XX/XXXX and XX/XX/XXXX removed from my credit report as late payments, since both payments were placed at the end of my loan, causing me to pay additional interest on the loan, and delaying my payoff date. I have spent hours trying to get this corrected. I have been denied a personal loan, because of these reporting issues. That personal loan would have allowed me to pay off the last of the negative issues on my credit, therefore raising my credit score to the point I could effectively trade in the car and have GM Financial paid off. I feel I have been more than patient and fair minded in my attempts, while being met with resistance, red tape and absolutely no follow up by GM Financial.
On XX/XX/2018, I sent a Certified Debt validation letter to Experian, XXXX, and XXXX  requesting the stated companies provide me with validation of debt for the five accounts listed on my credit report as negative/closed. These accounts are listed incorrectly on my credit report. I have yet to receive any proof of verification of the debts saying that I am obligated to pay them. I have sent in a total of three letters dated, XX/XX/2018, XX/XX/2018, and XX/XX/2018. I have proof of the letters sent and reciepts for the certified mail. These five accounts are seriously impacting my credit score and is keeping me from obtaining new credit.
Debt collector is attempting to collect for a towing company that towed a vehicle that i no longer owned. I sold the car to an individual and the individual that I sold the car to, got it towed. I tried explaining this to the debt collector but they did n't care, stating that i was the registered owner at the time. Which is not true and I have documentation to prove it. I have a copy of the certified document from the DMV that shows that I sold the vehicle on XX/XX/2016. The vehicle did n't get towed til after that. The Dmv clearly states that the previous owner is no longer responsible for any tickets or issues pertaining to the vehicle after the date that the vehicle is sold. My paperwork states that the car was sold on XX/XX/XXXX. The collection company is trying to collect for the car being towed after that date.
Equifax, XXXX of the XXXX credit reporting agencies refuses to remove outdated information regarding a chapter XXXX dismissal that has been over 7 years. The XXXX other credit reporting agencies ( XXXX and XXXX ) has already removed this item. Equifax claims that their policy is 10 years for non-discharged OR " non '' dismissed bankruptcies, however I believe that several of their employees is not reading their policy correctly due to the writing of this policy. The outdated information on my Equifax report shows a Chapter XXXX that was dismissed in XXXX XXXX, 2007. It has been almost 8 years and still showing only on my Equifax report. There should be no reason why they can not remove it as the bankruptcy filed was never adjudicated. There has been indication that a handful of people have been able to successfully remove this same issue and it seems like it depends on the Equinox personel working on the case. Why is it so inconsistent and the company does n't seem to communicate their company policy with every employee. I have failed XXXX already so it seems like my luck is not on my side. Please help! Thank you!
I disconnected my XXXX  account and as instructed returned the equipment to a XXXX   facility who gave me a receipt stating I returned the equipment to them. Couple months later I received a debt collector invoice from RPM - Receivables Performance Management stating I owed {$140.00} for the equipment. I sent them the copy of the receipt and they won't clear the account. I spoke with XXXX  on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX ( who hung up on me ) and said " XXXX  says you still owe it ''. Totally false. I looked on XXXX  and this company has horrible reviews and scams people for utility bills. Please stop them.
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the XXXX XXXX official complaint is against PRO COLLECT & XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
I refinanced my loan with Chase to a new loan at a XXXX reducing theXXXX year fixed FHA loan to a XXXX year loan. The process went smoothly with the credit union but when XXXX XXXX XXXX XXXX sent the wire to pay off the loan, Chase Mortgage did not communicate with the title company for XXXX days and rejected the wire without anyone knowing. No one called to say we cant pay this off because ... XXXX Now I have XXXX loans and paying interest on XXXX loans. I can not get Chase to help me resolve the matter and title has n't resolved the matter. We are getting late payment notices after they rejected the wire for the loan amount. This is ridiculous and we need something to happen to Chase to make this work.
Sent letter to Equifax advising that XXXX were reporting in-correctly on my credit report. Per credit report, it is listed as a 1 mo term, which I was not residing at that location. Did not received proper proof of validation of investigation. Advise to remove in-accurate reporting. Also XXXX XXXX XXXX, is reporting a debt that is fraudulent. Incident Report # XXXX which will supplement the above mention.
Old information keeps reappearing. World Omni finance Corp. charged off this account transferred to recovery and was paid on account. They got ta paid off balance yet still want the balance and they keep accruing interest charges on the account. Plus world Omni is showing it open when charged off 4 years ago. Word Omni needs to report correctly with a XXXX balance cause they got their money for this scion and still looking for full payment with interests accruing. Plus I co signed on account was not my car not did I make the payments. Please remove all updated information since went to recovery 4 years ago
I find no titles here that address my problem with Equifax and XXXX credit reporting offices. I have no idea how they determined that by me using my credit card, that it should effect my credit score by a negative XXXX when usage should have absolutely NO bearing on my score. 
Credit scoring was to be on how well we pay our debts, NOT when and how much we spend and by using what method we used for a payment method. Our spending habits are NONE of those credit reporting offices business! 
My credit score was up in the XXXX area, plus or minus XXXX or XXXX points but since I used our credit card to make a couple of purchases, I am being punished for such activity! 
I find this Highly irritating as I have a percentage factor of 100 percent relating to On Time Payments and bill payoffs. 
What gives these credit reporting offices the legal right to punish consumers for using their Good Credit?? 
I wish to submit a formal complaint against these XXXX offices for Discrimination against such consumers as myself as they, in my opinion are violating my consumer Rights and creating an embarrassing situation for me when someone checks my credit score. 
These credit reporting offices are changing their policies on how and what they use to discredit honest, bill paying citizens and should be investigated based on their biased and discriminatory activities.
I have both Federal and private loans ; fortunately, the income-based repayment for the federal loans requires a reasonable payment ( XXXX-time ever I am grateful for a XXXX ), but the private loan will not consider the fact that with its MASSIVE payment requirement, over half of my monthly salary goes towards student loans. It is crippling and because of the amount of loans in the XXXX place, they will not approve me for a consolidation or refinancing in order to lower the payment. They have absolutely no options for people who are being suffocated by student loans, and let 's face it, the education industry is n't exactly going to yield XXXX.
I do n't know if you can help or not. The person who called me said his/her name was  XXXX   XXXX  phone #  XXXX  claiming to be from the " mortgage lending department '' with my mortgage company,  Seterus. I w as told my loan modification was approved under the Obama program and in order to get the materials to me, I had to pay them the escrow acct deficit of approx {$1300.00}. Howeve r, Seterus  guaranteed me that this person did not work with them. I relayed this info to the supposed " mortgage lending dept '' and told them they are scammer and to never call me again. However, he/she called again and told them the same. Hopefully you can help stop these thieves with the phone # I listed here.     Thanks!
My bank account with bank of America was closed because someone wrote me a bad check. How would I have known that it was a bad check? because of this issue I ca n't no longer open a bank account with any financial institution. This is unfair for the consumer. The person who wrote the bad check should be penalized not the person receiving a check. This is another example of Big Banks XXXX the little consumer as if we have no right. If this issue is not resolved thru consumer protection, I will seek a class law suit.
Since I refinanced my mortgage to US Bank I have been notified of past due money over and over. They claim to send me increases and monthly notices but I never get them. They tell me to check my online account but it has not let me login to the account for and they do n't address this needs fixed. Now they are claiming I owe over {$600.00} in payments because of an increase that I was not notified about. I 've written them and called them and they just keep going on. Now they have put this on my credit report and ignore my letters. Reviews on XXXX and Consumer affairs website says that XXXX other mortgage holders have had the same thing done to them. Claimed notices of increases not received so the first thing you know is your in default and have to pay or else. I have not received the notices, I have not received the monthly statements, I have not received the required by law and ask for help. I asked them to send notices certified ( as I send all my letters to them ) but they do not respond. It 's time for the US Government to step in, investigate the claims of hundreds of people that have the same issue with US Bank Mortgage handling and stop the false claims, fraud and abuse.
USAA Savings Bank is reporting incorrect information on my credit reports. I sent a certified letter with return receipt which they received on XX/XX/XXXX. This letter was asking them to verify the accuracy of this account, and to provide me with anything bearing my signature. By law they have 30 days to provide me with this information and if they can not provide evidence bearing my signature they must contact all credit reporting agencies and delete the item. They did not verify account. I pulled my credit report and noticed the item still being reported. In addition to not providing evidence bearing my signature, they did not contact the credit bureaus to annotate that this account is being disputed within 30 days. They have already broken the law according to FCRA & FDCPA. I gave them a second chance and sent them a letter which they received on XX/XX/XXXX. In this letter I reminded them how they have already broken the law, but if they simply have the credit bureaus remove this item, I will not pursue legal action. They still did not verify the accuracy of their reporting, they did not produce proof displaying my signature, and they broke the law by not notifying all 3 credit bureaus to mark this account disputed within the required 30 day period. Im going to give them another 15 days and if they do not contact ALL credit bureaus and have this account deleted. I will pursue legal action. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 )? Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) If they remove this item, I will not pursue legal action and i will remove this complaint.
Honda financial Services report my auto loan as being written off. That is not accurate, I have contacted them many times and they have failed to remove the negative reporting off my credit file. Their representative was not happy with me so he place my he gave me wrong information which made my loan late and then he entered my loan as being written off even when I paid the loan in full.
on XX/17 I transferred {$7000.00} to my usaa card under a promtional 0 % APR good through XXXX XXXX XXXX. I made cash advances after that and then paid the amount or more of those cash advances XXXX weeks after they were taken. Those payments should have went towards the cash advances per the credit card act over my minimum payments since they are 14 % apr vs the 0 % apr on the other balance. Usaa is saying that because they have written in their credit card agreement that promotional rates are payed off before all other charges that they can ignore the credit card act. breaking federal law and are still charging me interest on my cash advances while my payments have been going to the original XXXX interest free amount instead of the cash advances.
I was one of many that their information was obtained due to the Data Breach. I received the letter from Equifax stating this and now my INFO is being used. I have noticed numerous inquiries that I myself have not made and I have not been made aware when my credit report is being accessed.