WillisBack/dataset-financial-user-claim huggingface dataset:
My student loans are repayment and serviced by Navient. Earlier this month, I was late in paying. However I made a payment on XX/XX/2017. Yesterday ( XX/XX/XXXX ), both my mother and friend received letters in the mail from Navient stating that they needed to speak with me about the delinquent account. I never provided Navient with the names or contact information for either of them. Additionally, I never authorized Navient to contact anyone about me. This is an invasion of my privacy. They have no right to contact anyone about my personal financial matters. I demand that they stop this practice and remove any unauthorized information from their system.
On XXXX XXXX, 2016, I mailed Registered Mail ( # XXXX ) to Nationstar Mortgage and it was received and sign for on XXXX XXXX, by XXXX XXXX XXXX. A STATE CERTIFIED BOND ASSIGNMENT was enclosed for the amount {$230000.00} to payoff the loan, with the payoff statement. Nationstar Mortgage acknowledged that payment was received and the account was never credited and closed. Nationstar Mortgage have not sent my Bond Payment back to me, the account should have been adjusted to SATISFACTION IN FULL., to this day, it is not. I would like to have my money back or adjust the account and closed it. UCC XXXX, states if a tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, the debt is discharged. Please investigate, there is some fraud taking place.
We have been trying to negotiate with the holder of our mortgage loan FCI Lender Services in XXXXXXXX but are being stonewalled and given false information while they work to auction off our home we have owned for 50 years. FCI has claimed that since they are a private company that they are not bound by any federal or regulatory guidelines that govern mortgages. Based on earlier complaints we had registered with FCI, they agreed to open a review and issued a denial letter on XXXX XXXX, 2017 ( uploaded ). In the denial they state that they will not use my wife 's income because " unable to count the self employed income due to lack of 2 year history to support the income ). I thought evaluations were based on the current financial information from the last 90 days?? This income is listed on the tax returns, I find it hard to believe that FCI can just discount it and make up a rule that this income does not count because it comes from self employment and they do n't see a two year history??? 

Also in the denial FCI states that there was no type of good faith down payment offered toward the arrears. This is false, we offered them $ XXXX earlier this year in order to get them to work with us. Not only are they denying us access to programs and inventing guidelines as they go they failed to offer us the option for mediation in the state of XXXX, which is required by law. Additionally, FCI has been piling on junk fees for all kinds of things ( inspections, questionable and extremely high late fees ) and also greatly inflated the delinquency due for past taxes and insurance. They claimed that I was so far in debt to them that they could not work with me. I told them that they were required to work with me because the government has programs in place to help struggling borrowers. They told me that they do not have to follow the government regulations because they did not take bailout money and because they are not regulated by the government.
I have a mortgage that I pay through Mr. Cooper. My complaints are : 1. I rec 'd a letter from XXXX XXXX, XXXX XXXX XXXX, XX/XX/2018 indicating I contact her. I called and asked for her, attempted to contact her but reached a bogus extension and sent a letter XX/XX/18 2. I was NOT given accurate information on how much I owned. It took 3 1/2 weeks for Mr. Cooper to give me information on the re-instatement.  During this time, fees are adding up, while I rec 'd 3 different figures indicating how much I had to pay to get out of foreclosure. 

3. The best way to get proof of what they say in writing is to complain. XXXX XXXX contacted me after complaining on a ConsumerAffairs.com. 

4. My payment was sent via Wire Transfer. I contacted Mr.Cooper that day, but no one could seem to locate the payment, until I called 2 days later. 

5. The Info. that XXXX sent me on how much I owed, ( to be reinstated contained Pending charges ). I paid and asked what did I pay for? 

I can not get straight answers. Am I entitled to information on how much I owe and what I am paying for? These are the reasons why I am contacting you. 

If I have a right to know how much to know what I paid for, I would like to know. I have emails, letters, a witness and phone conversations if you need it.
This complaint involves   XXXX   XXXX   XXXX   on Experian, Partial account number  XXXX  Date opened :  XX/XX/XXXX Type : Auto Lease. Status ; Discharged thru bankruptcy Chapter   XXXX   Account history Debt included in Chapter  XXXX  Bankruptcy on  XX/XX/XXXX .
This information is inaccurate.
This leased vehicle was kept in my possession until i purchased it and financed it with   XXXX   XXXX   XXXX   XXXX   in  XXXX .. This account is also on my credit report as ;   XXXX   XXXX   XXXX   XXXX  , Phone number   XXXX   partial account number ;  XXXX , date opened  XX/XX/XXXX . I just recently traded in the vehicle in  XXXX
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

NATIONAL CREDIT SYST XXXX {$3000.00} XX/XX/2017
There is currently an account on my CREDIT REPORT that is in COLLECTION that I have never opened. It is from XXXX XXXX. 

The amount is {$1800.00} as of XX/XX/XXXX. The credit report states that the account was opened on XX/XX/XXXX. This is the first action I am taking against this account that looks to have been fraudulently opened without my consent.
I have tried 4 times to request the information be removed from the 3 major bureau 's about accounts that are being reported by the agencies and they keep telling me that the information i being reported correctly on my reports. I have submitted the Fair Credit Report Act about how they must remove the information because they do n't have the required information to place it on my credit file. Each bureau Equifax, XXXX, XXXX all have said that they are verifying this information electronically. Section 609 of the FCRA none of these results meet the requirements of this information to remain on my credit file.The dates below are the four times that I have requested the removal of this information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
credit card number : XXXX set up automatic payment to " Pay amount due on due date '' for this Bank of America Visa Card ( under XXXX XXXX XXXX ). However, on XXXX, only minimum payment of {$25.00} was deducted. This resulted in I being charged interest on XXXX ( and potentially future date ), and potentially affect my credit score. I contacted BOA but it is a mess there. I was being directed here and there with no resolution. 
The mistake is unexcusable. My family have all kind of credit cards and have never seen a mistake like this. I like BOA to:1. correct his promptly and refund any penalty interest charged. 
2. explain to CFPB why this happen and how many customers have been affected by this mistake, how much fee they have collected out of this mistake. 
3. explain to me whether this affect my credit score and correct promptly if it does.
On XX/XX/2018, I attempted to sell my vehicle to a dealership. There is an existing payoff amount. The price offered exceeded the payoff amount. While the transaction was in progress, my payment to the lien holder was returned causing the payoff amount to the lien holder to change. The sale amount did not change just the difference in the amount out of the proceeds that would go to the lien holder vs. to me. 

When the dealership allegedly transmitted the payment, it allegedly was rejected because the payoff amount did not meet the threshold for the payoff. 

The dealer requested another payoff that reflected the settled account amount. 

The issue is that the lien holder/bank [ CAPITALONE AUTO FINANCE ] disclosed detailed/private account information that under their privacy policy would not have been permissible. The mis-used the information in my account/credit file. 

The lien holder disclosed to the dealer that a payment in the amount of {$960.00} was returned for non-sufficient funds. This provided the dealer with damaging information about the details of the account and I believe they are leveraging against me to my detriment. I was not seeking credit from the dealer, so there was no justifiable cause for them to mis-use the information in my account history. 

The standard practice, according to " DealerTrack '' is to provide the dealer with the following information : [ email attached ] -- -- -- -- -- - We did the final requote and verification for the following : Customer/Borrower : My Name VIN : Last XXXX Digits At the time of requote, the amount owed that was returned from the lender was not within the allowed threshold ( possibly due to payments, fees or other charges to the account that were not settled at the time of the initial quote ) and was refunded to your account. 

You will need to resubmit the transaction in order t receive the title. 

-- -- -- -- -- -- I believe that this disclosure violated my privacy protections under the Fair Credit Reporting Act and possibly other federal regulations.
Trans union removed  7  inquiries off of my credit report and added them back without sending a written notification of them being placed back on my report!
I sent the affidavit as requested from the company XXXX XXXX services due to incorrect debt on my credit report. I reported that my identity had to be stolen because I have never lived in Florida. I sent the affidavit by certified mail # XXXX and have not yet received a response from the company XXXX XXXX Services. In addition, I had to pay for this affidavit {$80.00} when it was not my fault and I expect to receive an reimbursement on my money and most important update my credit report by removing the debt that does not belong to me. 

Below the explanation I sent from the original dispute XXXX : I am reviewing my credit report and notice that I have a collection on my Equifax credit report from a collection company named " XXXX ''. Based on the information I see on the credit report it has to do with a home or apt rent or fee at " XXXX ''. I googled the information and it is from Florida. I have never lived in Florida and I never have given authorization to anyone to use my credit information. I have been living in XXXX XXXX for the last 28 years. My address for the last 13 years is XXXX XXXX XXXX XXXX XXXX and the other home I lived was with my parents at XXXX XXXX XXXX XXXX XXXX XXXX, both address are from XXXX XXXX XXXX. I would appreciate that this is investigated and removed immediately from my credit report and the person who stole my identity to be held accountable for fraud and theft.
Credit Acceptance sold a 19 year old debt to XXXX XXXX XXXX, XXXX in XXXX, IL. now they called me and say they want to collect. The first representative said a court order was already filed in XXXX County under an attorney named XXXX XXXX and that I had missed my court hearing back in XXXX of XXXX. I told him they needed to serve me court papers, he said it was public notice and I do n't have to be served, then I asked him his name and he quickly transferred me to another person. The next person would not give me her name either. but she said this was not filed in court yet and I needed to pay them {$11000.00}. As soon as I told her this was almost 20years old she hung up on me. I tried calling them back asking for an address for the company and the woman on the phone refused to give their business address. I pulled my credit report and they are on it that is how I was able to obtain their address and phone number. How can they have a right to be on my credit report? I resolved this issue back in XXXX, but that company still sold my information to another company. I went through the shooting at XXXX XXXX XXXX and my anxiety has slowly been settling down when this call comes in. Again I am not sleeping, I am afraid to go out doors. Thank you for this website.
I am being asked to pay a medical debt of {$1500.00} for services that incurred when I was a minor ( XX/XX/XXXX - XX/XX/XXXX ). I didn't sign any paperwork stating that I would be financially responsible for these services because as a minor it would be illegal for me to do so. 

My Mother did sign the paperwork stating she would be financially responsible for the services I were to receive. 

She unfortunately did not remain true to her word and left the services unpaid. Fast forward to XX/XX/XXXX my mother received a phone call stating that " she had not been receiving statements over the past 2 years because we changed systems. I explained that she has an outstanding balance but that her account is not in collections due to the fact she has not received statements. she said that she is unemployed currently but she agreed to do $ XXXX  monthly towards her account sent statement today-tw '' XX/XX/XXXX " Statement was returned today as undeliverable although she verified her address before I sent it. I tried calling but her number is now disconnected. if she does not make payment by next billing I will call again or she will go to XXXX. -- XXXX '' XX/XX/XXXX " XXXX has not made payment since XXXX. Tried calling, no answer. Send to TekCollect - XXXX '' So now this debt has been put on my credit and has been harming my credit score even though it clearly shouldn't. 

I've talked to the business where I received the services ( XXXX XXXX XXXX ) as a minor and they insist that since I'm of legal age now I owe the debt. 

I also tried to dispute it with the collection agency ( TEK COLLECT ) and they deemed the debt to rightfully belong to me instead of my mother. 

I firmly believe that this is not my debt but my mothers and I want to make sure this gets removed from my credit report and added to hers. My mother also believes this and has tried to contact the business where the services were rendered to get the debt transferred to her but - they refused to comply and insisted that she could make payments but the debt would remain under her daughter name and social. 

Also my mother and I share a similar name but you can clearly read that the signatures on all the paperwork is her name and not mine - and the dates when it was signed would have been when I was a minor.
XXXX XXXX XXXX account was received, paid & satisfied on XXXX/XXXX/16. I will mail documentation. I need this account removed from my credit report or at least to state : CLOSED. 
Thank you. 
XXXX XXXX
I am a single mom with XXXX children, and I am a XXXX XXXX. I needed money for an emergency. I borrowed {$400.00}. I made my weekly payments faithfully for {$56.00}. They confirmed they received 12 payments of {$56.00} from me. When I called to payoff the loan the payoff amount I was quote was {$440.00}. I only had the loan for approx three months and I was charged over {$1000.00}. When I asked why I was charged so much they said it doesnt matter interest accrued everyday. This is the amount we are legally allowed to charge you. Your payments went towards the interest. It was pointless arguing so I just decided to file a complaint. In addition I never got an email with an attachment on how much my interest is or payoff amount will be. I had to call to get my loan number. No loan documents were given to me at all. Just an email stating I will be getting the funds.
Hi my name is XXXX XXXX and I have been writing your company endlessly and also writing directly to Equifax to try to get my credit score correct as I am a victim of identity theft since XX/XX/XXXX up to the present. I have tried endlessly to work with the credit bureaus but they keep reporting false balances even when I send actual paperwork from my credit card companies. Let me start with Equifax the balances that they are reporting on my XXXX account are in accurate and I would like it updated. Also the balances that they report one my XXXX XXXX   card acccount is inaccurate and I would like it updated. Also the balances that they are report on my XXXX XXXX card and my XXXX XXXX card are inaccurate and I would like them updated with correct amounts. Also Equifax does not have my employer listed and I would like my employer added to my credit report the company I work for is called XXXX XXXX XXXX XXXX. Also Equifax is putting my identity at risk because they displayed my whole social security number on my report and never updated my mailing address as requested. So please make them update my mailing address to XXXX XXXX XXXX XXXX ny XXXX as they keep putting my information at risk.
I have been getting annoying phone calls from a company called Portfolio Recovery. phone number listed is XXXX. They call at ll hours of day and evening from XXXX to sometimes as late as XXXX at night, while we are trying to sleep. I have also contacted my telephone company about 6 months ago and they suggested I block my phone number which I have done. But the company continues to call from a different number. i have also talk to them in the past year and a half and I have told them that they have the wrong person. I have answered the phone several times and I can hear background noise and no one says anything to me. They continue to call to this day even though, I have told them to stop calling me. It has become very annoying to the point that I feel harrassed.
I have tried to work with Trans Union, XXXX  and XXXX for over a year.

They refuse to investigate and acknowledge the letter form the US Federal Court.
I was identified as being a potential victim of the Equifax security breach on XXXX.XXXX.2017 via their site, equifaxsecurity2017.com. They seriously mishandled my information and the information of others, which puts 209,000 other people at risk of identity theft. They were slow to notify customers of this breach and I would like a resolution, as well as the option of free credit freezing.
I have XXXX hard inquires on my report that I did not request or give permission. 
XXXX and XXXX XXXX. I did not provide permission to these companies to request my credit information.
Fair Collections & Outsourcing is reporting a eviction on my credit report for an apartment that I never lived in. I have a copy of the signed lease of my girlfriend at the time but I never signed anything or lived at the community
I have an incorrect inquiry on my credit report that i have never been affiliated with.Even some of the names and addresses on my report are wrong. I do not understand how some of these things are being bed to my name but i have nothing to do with this Name : XXXX XXXX Bankruptcy chapter XXXX-discharged XXXX/XXXX/2013
I was a customer of navy federal during the period that they have admitted to wrong doing. My paychecks where with held multiple times
I have located an incorrect late payment from Capital One Bank. The account has been paid and closed since XX/XX/XXXX. When I located this account, I contacted the Credit Reporting Agencies right away to have the account remove due to the lack of validaiton by the Bank pursuant the FCBA, and TILA. However, after endless dispute letters to the Bureaus, and phone calls, the account still remains there. I have advised the bureaus that the reporting dates are incorrect, it appears to be reporting as a 30 days late XX/XX/XXXX, but it was actually late XX/XX/XXXX, and that the account is over 7 years ago therefore, it must be removed. When I call the bureaus to complaint, they told me that, they can not call the creditor by phone as I have suggested, and that all they can do, is to send the dispute through XXXX. I am in the process of purchasing a home, however, the bank is giving me a hard time because of this silly 30 day late payment, that has been reporting wrongly for the past 7 years. Please help me as to the bureaus dont want to help me.
My name is XXXX XXXX and I am a armed service veteran. My identity was stolen between XXXX and XXXX. During which time fraudulent accounts were opened in my name by XXXX and XXXX XXXX XXXX on my Equifax account. I have attempted to address the issue but have been unsuccessful. Please see the attached document from the Federal Trade Commision. I need these items removed immediately as it is negatively effecting me economically.
I have already disputed this company named   XXXX   XXXX    with Experian in the month of  XXXX .2017 by writing several letters to them about how   XXXX   has not responded to any letters that I wrote to them about disputing my account. On  XXXX   XXXX , 2017, Experian had mailed me an investigation letter about   XXXX   XXXX  . I had written them a letter to investigate this company in   XXXX   2017 and they had 30 days to do their investigation. I am just getting a letter (  XX/XX/2017  ) from Experian that they have finished their investigation into the company and they had verified information my account being legit. First of all, I had written Experian a detailed letter about what I was requesting from them during their investigation, I never received any information from them about them continuing the investigation or that it was taking longer than 30 days. I have also written to   XXXX   and   XXXX    about the investigating   XXXX   XXXX   and they had 30 days to investigate this company to send me any documentations proving that the account with  XXXX  was legit and if not then delete their entry from my credit report. They deleted  XXXX  from my credit report saying they could not contact the company for any information within 30 days. Their investigation ended with deleting the entry from my credit file. Now Experian took more than 30 days and they have broken The Fair Credit Reporting Act law and I want them to delete   XXXX   XXXX   from my credit report file. I disputed this account in  XXXX . 2017 and Experian had 30 days to do their investigation according to my letter to them and they did not meet the FCRA law. I have letters that I have written to Experian to prove that they have broken the FCRA law.
Tried go into an income based or pay as u go repayment plan and they kept advising to go into forbarence and now loan is twice as much.
Bill was due XXXX XXXX. Calls were made 3 times including a call to my office of employment. 
Because the statement gives multiple date payment options, I should not be called until the XXXX option timeframe has expired.
Today ( XX/XX/XXXX ) I checked my credit score and noticed that between XX/XX/XXXX and XX/XX/XXXX there was a collection account added to my report. The collection agency is Congress Collection and which has never contacted me in any way. The original creditor is XXXX XXXX XXXX of MI XXXX and which also has never contacted me in any way. The supposed unpaid balance on the account totals to {$86.00}. The year the supposed account was opened was XX/XX/XXXX ( XXXX, XXXX ).
on XX/XX/2018 we submitted to Experian two accounts that were already due to come off my report in XX/XX/2018 we had previously complained to CFPB to resolve this issue, while this was going on we herd NOTHING from Experian in fact, to date we have herd NOTHING in regard to this matter. 
The accounts that were supposed to come off was XXXX XXXX case # XXXX and case # XXXX It has now been 3 months since we contacted Experian by Certified mail and as previously stated, to date they have continued to neglect their responsibility to remove old out dated.