WillisBack/dataset-financial-user-claim huggingface dataset:
Navient has  my account listed w ith 3 nega tive payments from  XXXX   XXXX . and  XXXX   XXXX  in which they are adversely affecting my credit worthiness. I have never been late on this loan and was currently in a deferment during this time that they are reporting inaccurately. I have disputed this with Navient and the  XXXX  credit bureaus and they continue to report incorrectly which is a violation of the law.
I received a credit report from Experian on XXXX/XXXX/2015 stating the items I deputed has been deleted from my credit report. Then I received a credit report on XXXX/XXXX/2015 saying that the items has been updated or remains. Without reasoning or explanation I think this is unfair practices of Experian.
This is my second time opening a dispute with TransUnion and my second document that I am sending from the Court to have it removed. Washington law states that once a state lien is vacated/satisfied the documents that I have attached should be sent to your credit agency to have it removed from your record. The governing status of limitation has expired in Washington, detail public records are not released to third-parties agencies. This was a warrant from XXXX Washington. It was actually not a tax lien with the IRS. XXXX filed these documents and they withdrawal the warrant do to payment or a judgement.. NOT A TAX LIEN. XXXX XXXX XXXX. 
Section XXXX ( b ) provides : 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. XXXX XXXX. XXXX ( a ), XXXX ( a ) ( XXXX ) and XXXX ( b ). 
I think there is some confusion with the jargon/verbage as you suggested. The Department will cancel a state tax lien when the delinquent tax liability has been resolved. The Department will mark an entry of satisfaction on the execution docket and withdrawal the lien with the Clerk of Superior Court in each county where the lien had been recorded. I have read reports of these same public records being deleted from other Transunion files. I can go on record to say this is something that was agreed on and paid and should no longer being my credit report. I am in the process of buy a home and it is not fair that XXXX other credit reporting agencies have seen the same letter and removed it from my record. I personally feel as TransUnion is violating my civil rights and privacy laws. Not sure it is my race or gender to which they are holding me accountable for this record that I have provided all the information for it be removed from my report. XXXX. XXXX XXXX. XXXX provides in pertinent part : ( b ) Reasonable procedures. It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit ... in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. This is my last attempt to work this out between the agency. The law is very clear as to the Civil liability and the remedy available to me ( Section XXXX & XXXX ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

To avoid legal action, I demand that you delete all the unverified accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
I do not believe this loan belongs to me. My identity has been stolen and this information must be removed from my credit file.
Well my capital one customer and corporate office personnel are calling me mam instead of sir and frankly being rude and being disrespectful towards my medical condition and seems no one is trying to solve all these issues or giving me the proper supervisors or a over all boss or the president of the company. Please fine them or help me file a major complaint against them or take them to court or whatever you all do.thank you  XXXX   XXXX   XXXX
Hi, I have had my Chase Sapphire Preferred Card for a little over two years. I recently got a letter in the mail saying that they are closing my account because another one of my Chase accounts has been closed. I have no other Chase account, where I am either the primary account holder or an additional member. I solely have this one card. I have reached out to them, but they will offer me no explanation other than that I have had another account closed. Please tell me what I can do to fix this. All I want is my credit card back. 

Thank you so much
The bank in question is XXXX XXXX XXXX. I requested transfer of funds via ACH transfer in the amount of $ XXXX and change and that the account be closed at ~XXXX XXXX PDT on Friday, XX/XX/XXXX. On Monday, XX/XX/XXXX a bank rep called me to " verify '' information ( I had already done this on Friday ). On Tuesday, XX/XX/XXXX at XXXX XXXX PDT, the money had still not reached the external transfer-to account. I called Goldman Sachs and they said to expect the funds to appear in " ANOTHER 1-3 business days. '' These funds were invested in a savings account, which are DEMAND DEPOSITS! I understand the float game and we both know an electronic transfer should occur within seconds. I believe XXXX XXXX XXXX is deliberately delaying money transfers for as long as possible, or maybe even longer, to glom onto " the float, '' at the expense of the owners of the funds, of course. 

I suspect this is a generic problem with Goldman Sachs and needs to be the basis of an enforcement action. Contact me directly for more details.
Hunter Warfield has stated that I owe an amount of XXXX for an apartment that was leased. I have reached out to them and disputed the charge several times. This charge is on my credit report and rental history. Hunter Warfield has sent me a copy of a lease however there is not 1 signature that verifies that I signed a lease. ANYONE could have generated a lease and filled it in with numbers but there is not one initial or signature from myself or my spouse. I am requesting this charge to be removed immediately. On my previous claim with CFPB, Hunter Warfield also sent a copy of the lease with no signatures. Please verify that I signed this lease or remove it from my rental history as eviction and remove from my credit report.
they are calling me after over 6 yrs has passed and claim to be sending a process server to my home because they are claiming I committed fraud.
I somehow accidentally got my fathers name into my report which reported not only my credit information but also information from his XXXX XXXX and XXXX XXXX XXXX accounts. Please have the reporting agencies remove these XXXX permanently since they belong to my father. 

XXXX XXXX
My husband and I are paying XXXX of XXXX loans our daughter has with Discover Student loans. We send them the checks with letters of instructions and note the instructions on the checks - but they are applying the payments to another loan.
I am having the most difficult time with Ditech. I first applied for help last year. When going through the process, Ditech never really offered me a modification option. They keep pushing a repayment plan. Then they back doored me with a sale date! I had to file a bankruptcy to protect my self. I now have help and understand how the programs work, and how the underwriting works for these programs. 

I am now in review for a modification. We have been asking for over a week what documents are needed. Everyday they would say the same thing. " Copy of pay check '' I would send everyday and follow up. Ditech would ask for the same thing. After a week we demanded to talk to the processor who was working the file. Admittedly we were very frustrated at this point. The assigned processor told us we need to send a profit and loss!?!?!?!. Wow! When we asked why after over a week of requesting what was needed, that was never told to us by Ditech? The processor stated to us " I DONT CARE! ''
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past  due  X/2016 ,  X/2016 , 60 days  X/2016  I am  not sure how this happened, I believe that I had made my payments to you when I received my statements. I was in the middle of a divorce and it was my understanding that my ex-husband would be taking care of these payment as per our divorce decree.     Also, you are reporting this account twice on  XXXX  which the second account needs to be removed.
I took out a private student loan with a co-signer with NATIONAL COLLEGIATE STUDENT LOAN TRUST back in XX/XX/XXXX. Since then in XX/XX/XXXX I received summons for motion of judgement by default filed against me in XXXX County GA. The judgement was granted XX/XX/XXXX, even though I responded and contacted the company directly attempting to make payment arrangements. In XX/XX/XXXX the NATIONAL COLLEGIATE STUDENT LOAN TRUST went to XXXX County GA to file for garnishment with my employer and since then my wages have been held. I filed for a traverse which was temporary granted and now I 'm in need of getting the Judgement set aside due to fact the original Motion of judgement never included the co-signer nor The Plaintiff state the date the contract was breached or otherwise not complied with. Plaintiff also failed to mitigate damages by failing to take reasonable steps to reduce or minimize the damages experienced. The Plaintiff is seeking to recover more than entitled to recover in this case, and award of the judgment sought by the Plaintiff would unjustly enrich the Plaintiff. I am a single mother and this garnishment has created an extreme hardship upon me and my family.
I have worked with my medical provider, who sent this to collections in XX/XX/XXXX. I was not notified that the collections had been assigned or who was assigned until XX/XX/XXXX ; when I was billed including interest since XX/XX/XXXX. This is an unfair and fraudulent practice as there was no way for me to pay the debt from XX/XX/XXXXto XX/XX/XXXX when I finally received the notice in the mail.

I have paid this debt ( {$850.00} ) in full ( conf # XXXX ).

I continue to receive letters for the original debt plus interest. This is fraudulent and harassing behavior.

Letter from XXXX stating paid in full.
I have outstanding medical insurance under my husband 's policy through XXXX, I have no copay, and my XXXX pays for any coinsurance that may be outstanding. With that being said, I owe no debts to anyone, I made certain of this by visiting the billing department at XXXX XXXX XXXX XXXX in person prior to my XXXX and making certain that any old debts were paid. I did this because my employer offered no XXXX XXXX XXXX or XXXX leave and would essentially have to let me go once it was time for me to XXXX XXXX in XXXX of 2017. One would understand how I then find it difficult to comprehend why I have an outstanding bill for XXXX XXXX XXXX. Firstly, my name is XXXX XXXX XXXX, my middle name has never been " XXXX '' ... that is a candy bar. Secondly, if this debt was valid and they processed it correctly through XXXX, they should have been paid in full right? Well, to my surprise, I have received a bill from a collection agency for {$300.00} that is apparently owed to XXXX XXXX XXXX XXXX. I have several problems with this recent turn of events, first, I repeatedly asked the representative at XXXX XXXX if the bills proposed to me were complete when I paid them, and she confirmed that they were, I do not have another {$300.00} to give to anyone as I am XXXX. Second, I do not take lightly my private and proprietary data being sold to third-party organizations that I have no contractual obligation to. Who are they to share the very same information that they are supposed to protect under HIPAA law? Third, I made XXXX XXXX well aware of my financial hardship, and they have made no attempt to adhere to the Healthcare Financial Assistance Law ( HFAL ). I have been offered no assistance nor have I been given an opportunity to negotiate my outstanding debt.
This account is not mine that is on my report, just showed up this month XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Date Opened:XX/XX/XXXXResponsibility : Authorized AccountAccount Type : Revolving Account Loan Type : CREDIT CARD Date Updated:XX/XX/XXXXPayment Received : $ XXXX Payment Made:XX/XX/XXXX Pay Status : Current ; Paid or Paying as AgreedTerms : {$20.00} per month, paid Monthly High Balance : High balance of {$970.00} from XX/XX/XXXX to XXXX ; {$1000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$1000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$1000.00} from XX/XX/XXXX to XX/XX/XXXX Credit Limit : Credit limit of {$1000.00} from XX/XX/XXXX to XX/XX/XXXX
This is a written request to verified accounts that appear on m y credit report that I do not recognize, I believe I have been a victim of identity theft, therefor and requesting verification of this accounts on my credit or deleting of this accounts. 
An FTC complaint could not be filed due to government closure and a police report will be filed soon. 

Thank you.
In XX/XX/XXXX & XX/XX/XXXX I experienced difficult times financially ( XXXX % reduction in income ) and ultimately filed Bankruptcy. In XXXX XXXX I filed BK-XXXX and one of the items discharged was a Chase Card # XXXX for {$4900.00}. Chase had went to Superior Court XXXX/XXXX/XXXX ( prior to my BK filing ) and received a Judgment for the same Chase Card # XXXX for {$4900.00}. Docket number was XXXX. My BK-XXXX ( 60 months of payments ) was completed in XXXX XXXX, when my BKXXXX was fully discharged. Chase reported the individual line item for account # XXXX on my credit report as included in the wage earner plan of BK. Chase never Vacated or Suppressed the Judgment for {$4900.00} which was for the same Chase card. I have called multiple times and spoke with the legal department of Chase and rudely told they already did what they were required to do and can not help me. I explained to the legal department of Chase that I was right in the middle of purchasing a home and the mortgage lender is requiring the Chase Judgment to be paid in escrow. The legal department of Chase told me that if they received the {$4900.00} from escrow for the judgment that they would consider this as me reaffirming the debt that was already discharged in BK. I let them know this is NOT my intention. On XXXX XXXX I emailed XXXX XXXX, the CEO of Chase and also the Executive Offices of Chase to get help. I was contacted by Chase the next day and after many phone calls and ultimately me asking to speak with a Supervisor I felt they this matter would be resolved. The Supervisor told me that they were not pursuing this debt and that their records show it was included in BK-XXXX. However, Chase would not provide a legal document that could be recorded to vacate the Judgment that still shows active on my credit report. On XXXX XXXX, I received a fax from XXXX XXXX, Managing Director with Chase ( letter attached ) that states they are not pursuing collection of the debt. The problem is that this does not get the Judgment cleared on my credit report. I took off work this morning and went to the Superior Court of XXXX XXXX County Office in XXXX and they told me that unless Chase files the necessary paperwork to vacate the Chase Judgment the money is still owed and collectible. Unfortunately, I need to close escrow on my home purchase in two business days and the mortgage lender is requiring me to pay the {$4900.00} and they have instructed XXXX XXXX XXXX to pay the money directly to Chase bank for the Judgment. Even though Chase states they are not pursuing collection of the debt that was included in Bankruptcy they in fact are by not vacating the Judgment. How can I get Chase to reimburse me for the {$4900.00} and vacate the judgment? I do not have the extra money to cover the {$4900.00} now and have to borrow from family in order to close escrow on my home purchase. This has turned what should be a special time for me into a very difficult time XXXX and making me XXXX. Please let me know what recourse I have with Chase and I believe it is important for them not to do this to anyone else.
Company keeps calling and harassing me even though I have made arrangements for my 1 month late payment. They also are leaving voicemail 's on my family 's house phone stating that " XXXX needs to call them back ASAP regarding a very serious debt ''. This company is now calling me and hanging up on me repeatedly throughout the day disturbing me.
Paypal issued me a credit card for which I did not apply and began charging late fees even after the initial charges were paid. I did not request the credit card and they continue to charge late fees on an " outstanding balance '' that consists of monthly late fees, not purchases.
Attended XXXX University XXXX in XXXX 2014, under the impression by accepting the " financial award letter '' that my schooling would be taken care of by a student loan. However, then this past XXXX, they began demanding payment in full. Including taking my XXXX tax refund. They have now began calling from the debt collector and I have asked for an attorney to assist me. I attempted contact a couple times via email, and had no success. The latest email from XXXX, and XXXX, had been pretty blunt and straight forward a blow off. On entering the school originally, I know that other students personally had problems with Al in financial aide returning or acknowledging communication. Had I been able to affor books this last year I would have went back, but was unable to. Amen I did not.
Requested a Formal Debt Validation Request in XXXX 2016, XXXX 2016 and XXXX 2016 and have yet to receive this information from the company.
I received a new telephone number when I bought a house last spring. Obviously, the persons before I got this number owe everywhere. I received LOTS of calls for them and most companies have quit calling. However, ERC keeps calling and leaving automated messages regarding a debt. I have spoken with them NUMEROUS times to remove my number. Even being polite with them, I have been ignored and hung up on in mid-sentence. I do n't know what else to do. This is absolutely not my debt and I have no idea who the people are they are trying to reach. Again, the company is called ERC. Their number is XXXX, and the reference number they left is XXXX. My phone number that they keep calling is a landline XXXX. I work out of my home and I use this line for business, fax, etc. Please help me stop these calls because I do n't know what else to do! It has taken valuable time out of my work day every time I have to answer, call back, delete messages, call them back and so on and so on. This has been going on since XXXX 2015. Just got called again this morning. 

Thanks and have a great day. 
XXXX XXXX XXXX
navient offered assistance to payoff my student loan as I am XXXX. I refused the assistance, and I continue to pay my student loans. however, I noticed that navient did some sort of finance change, as my payments per month were reduced in amount to be paid from, approximately, $ XXXXmonth to $ XXXXmonth. my principal was increased by a few hundred dollars when this payment change was made. I did not request any sort of refinancing on the original loan, but I feel something of the sort may have occurred.
The company is reporting the incorrect balance to XXXX XXXX XXXX showing on my credit report. Please have University of XXXX do an Validation fo Debt.
This pertains to file # XXXX where I have proof that BB & T is lying. On my original complain I stated to BB & T had debited out {$100.00} premature from my account. All this started back on XXXX/XXXX/2015. Where i have made a cash deposit if {$100.00} bringing my balance to {$95.00}. Then on XXXX/XXXX/2015 there was a charge of {$28.00}. And here is where the problems starts. BB & T charges me {$36.00} OVER DRAFTED FEE on XXXX/XXXX/2015. The reason is that BB & T has stated that on XXXX/XXXX/2015 there was a withdrawal of {$100.00} Plus {$3.00} fee for using another banks ATM. The problem here is that it was not on XXXX/XXXX/2015 that the Withdraw occurred but on XXXX/XXXX/2015. I have the Bank Statement for BB & T which I printed off their web site. And what BB & T sent to me. As you can see, from the Bank Statement I am providing it shows where the Withdraw of {$100.00} occurred on XXXX/XXXX/2015. But BB & T takes the {$100.00} on XXXX/XXXX/2015 making my account go NEGATIVE. Furthermore, on XXXX/XXXX/2015 I make yet another deposit of {$100.00} again in cash. But because BB & T took out the {$100.00} on the XXXX/XXXX/2015 it has caused nothing but OVER DRAFT FEES which have total now to a {$260.00} ... And BB & T does not want to remove the fees when I have PROOF directly from their website. 

I have attached Both The Bank Statement that BB & T provides their customers and the So call Bank Statement they provided me with their entire letter providing nothing but misleading information plus inaccurate transactions from the bank to cover its shine! 
But as the saying goes : A picture is worth a thousand words! You be the judge of the proof yourself. And again BB & T states the {$100.00} was for XXXX/XXXX/2015 when it clearly states it on the personal bank statement from the bank on line the transaction took place on XXXX/XXXX/2015.
I am filing a complaint against Roundpoint Mortgage Servicing Corporation regarding their handling of my transfer of my mortgage in the final stage of the modification process. I filed for loan modification in mid XX/XX/XXXX. Over the course of the next year I submitted documents as requested by XXXX and in XXXX of XX/XX/XXXX my modification was approved and I was asked to make XXXX trial payments due in XXXX, XXXX, XXXX & XXXX. I made the payments & called them back in XXXX & was told that suntrust would send me the documents to make them loan mod permanent. I received the final loan mod docs & signed, notarized witnesses copies were delivered to them on XX/XX/XXXX. On XX/XX/XXXX my loan was transferred to Roundpoint Mortgage Servicing Coprporation. I contacted them on XX/XX/XXXX just to let them know about the loan modification. Roundpoint asked me to email them a copy of the loan mod docs to speed up getting the information put into their system. Since that date, Roundpoint has asked me to send the documents to them XXXX more times and they have done nothing to update my account accordingly. I contacted XXXX multiple times between XX/XX/XXXX and XX/XX/XXXX to have the executed loan mod docs sent to Roundpoint and they were never sent. I filed a CFPB complaint against XXXX on XX/XX/XXXX and through their investigation, they found my signed final mod docs and they have now said that they executed the documents and they are sending them to Roundpoint so that Roundpoint can update their system with the new terms. I spoke with Roundpoint and they said that they would have to have the documents reviewed again by XXXX in order to finalize the loan modification!!! The loan was already modified by suntrust and Roundpoint needs to accept the new term and update their system. Also, Roundpoint has lost or misapplied my XXXX payment. I am also being told by Roundpoint to continue making trial payments even though my trial period ended in XXXX!!! Also, Roundpoint is charging me a {$15.00} inspection fee because they show my account as past due because they are not applying my payments properly! I need for Roundpoint to update their system as soon as possible so that I can have my payments applied properly.