WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX and the Michigan XXXX XXXX XXXX my Federal tax refund in the amount of {$2700.00} on XXXX XXXX, 2015, however I paid by loan in full with penalty and interest On XXXX XXXX 2015. The overage was not reflected on my credit report, not has the full amount been returned. I requesting the following : because it is a reported error, that all references of XXXX XXXX and Michigan XXXX XXXX be removed from my Credit report in conjunction to applicable FCRA. I submitted documentation to Equifax regarding this matter On XXXX XXXX 2015, there response that was this information was verified, However by reason of the facts and circumstances supported by the documentation submitted all references to Michigan XXXX XXXX should of been removed from my consumer report.
I received an alert from my credit monitoring service advising of a negative item. My credit score is usually around XXXX so i take it very seriously. Surprised, i disputed the item with the only credit bureau company reporting it, XXXX on XXXX advising it is not me. They responded on XXXX advising the item would remain. I have never done business nor received bill nor have any knowledge of the original creditor showing or the collection company reporting it, Credit Management Co, XXXX XXXX XXXX, XXXX PA XXXX, XXXX. I called Credit Management Co on XXXX and spoke with XXXX at extension XXXX, who verified the account doesnt belong to me based on my SSN and DOB. In fact she asked if i had a son born on XXXX, but i pointed out my dob is XXXX so that is not possible. She verified the last XXXX of the XXXX reporting were XXXX and the DOB didnt match. I also pointed out the original creditor appears to be some XXXX system that is in an area about XXXX hours away from where i live. She said she would add a comment to the account so that they could let the credit bureau know the account does not belong to me and should not be on my credit report. I called XXXX that same day to advise of all this, and gave XXXX @ their special Service department all the details of my conversation with Credit Management Co, including the extension of the person i spoke with and the last XXXX of the SSN they verified the debt was against, which does not match mine. XXXX re-opened the dispute on XXXX. XXXX said that the first time they sent the dispute to Credit Management Co, that company simply responded advising the account did belong to me. I was confident this was going to be resolved since i took the initiative to do their job for them to verify the account doesnt belong to me. Today however, XXXX, XXXX advised me the item would remain. How is this possible? Why is Credit Management Co damaging my otherwise PERFECT credit by reporting something that they already verified doesnt belong to me? They are not doing their job. Please help get this resolved
XXXX XXXX is reporting FOUR collection accounts under my credit report. My SS # is XXXX, XXXX XXXX, DOB- XX/XX/XXXX.  There are no account numbers reported The balances are {$290.00}, {$94.00}, {$99.00} and {$280.00}. This compnay called me ONCE over these accounts, I disputed these accounts right away! Two accounts were paid and setteled and teh other two I paid through my HSA!!!!!!! I asked for proof of what I am now being billed for and they never sent it!!!!! They are in violation of FDCPA 1692 ( g ) ( a ) and ( b )!!!!! My credit score has gone down 115 points due to there inaccurate reporting!!!!! These debts are not owed and they never sent me proof of what I am even being billed for before they reported these accounts to the bureaus!!!!!!! These Four accounts needs to be removed from collections under my credit reporting!!!!
I have sent at least three letters to XXXX, XXXX, and Transunion in regards to a collection account from XXXX XXXX regarding the incorrect reporting of a collections account on my credit report. The account was resolved on XX/XX/XXXX. As of XX/XX/XXXX ( two months later ) it remains incorrectly reported. I have repeatedly spoken to XXXX XXXX who claims to have updated the account the day it was resolved. When I contact all three credit Bureaus, they say they have verified the account is correctly reported. They are reporting the balance as XXXX and it should be XXXX. Since it has been incorrectly reported for more than 45 days, I want the account removed completely from all credit reports.
Report # XXXX for XX/XX/18. Experian is fully aware that in the past, information in my file has been mixed with someone else who has a similar name. Experian should have measures in place to prevent this from happening, however it continues to happen because currently there are six ( 6 ) errors in my file. These errors include two ( 2 ) incorrect names, three ( 3 ) incorrect addresses and one ( 1 ) incorrect notice. I only have one name : XXXX XXXX XXXX. That is the only name that should appear in my credit file. There should be no other name variations whatsoever. Personal Information in my credit file is incorrect, mixed with someone else and does not belong to me. Please delete the following NAMES from my file : XXXX XXXX XXXX ; NAME IDENTIFICATION NUMBER : XXXX ; XXXX XXXX ; NAME IDENTIFICATION NUMBER XXXX. I only have one address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. This is the only address that should appear in my credit file. Please delete the following three ( 3 ) ADDRESSES from my file as they are mixed, incorrect and do not belong to me : XXXX XXXX XXXX XXXX   XXXX XXXX, FL XXXX ; ADDRESS IDENTIFICATION NUMBER : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; ADDRESS IDENTIFICATION NUMBER : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; ADDRESS IDENTIFICATION NUMBER : XXXX. Please delete the following NOTICES from my file as this is not my business and I have never done business or obtained legal service of any kind : The address has pertained to a business : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. I have provided a copy of the credit report with errors highlighted. Attachments : driver license, social security card, copy of credit report with errors highlighted, copy of XXXX reinvestigation results showing address deleted due it being " mixed '', copy of XXXX reinvestigation results showing address deleted.
My mortgage is below 78 % loan to value. I have been making extra principal payments each month. I want to terminate my PMI payments. Wells Fargo states I still must make payments for a minimum of 5 years. 
Is this lawful? I have about 27 months remaining to reach the 5 year point. Seems excessive.
My federal student loans are serviced through Navient. Every year I have to renew my income-based repayment plan, as my payment would otherwise be almost half my monthly income. Every year I submit this on time. Last year, I paid Navient twice at the full amount while they were processing the plan because my loans were on auto-pay. This year, I submitted the plan XXXX XXXX, and Navient has been " slow to process requests due to an unexpected increase in the volume of claims. '' Tonight I again received a full bill for XXXX XXXX. Navient has been sitting on my income-based plan for more than a month. I fail to see how they are still experiencing an unexpected increase when they said the same thing to me last year. Their " responsive '' ( no joke, it actually has that in quotes on the top of the page ) website does n't even have good documentation of the status of my request, though they did send me an email confirming that they had received it which I am keeping in case things go the way they did last year. It 's ludicrous that something that should be so easy ( other loan providers for my wife already got back to her about her plan ) is always so difficult with Navient, generally to my detriment through no fault of my own.
THIS IS NOT A DUPLICATE COMPLAINT! Ocwen Loan Servicing and their counsel raised additional questions that need to be answered! We request that Ocwen answers all of our questions below accurately and under penalty of perjury.
1st- why has Ocwen failed to update their records along with the credit bureaus inaccuracies for XX/XX/XXXX payment as requested in a previous CFPB complaint? Please review the documents provided which clearly reflects that Ocwen has failed to comply with our requests!
2nd-why has Ocwen failed to report for XX/XX/XXXX when XX/XX/XXXXshould have been reported in XX/XX/XXXX? Now, this constitutes a direct dispute which we request that Ocwen updates all the credit bureaus to reflect paid as agreed for XX/XX/XXXX and for XX/XX/XXXX which is now coming to the end of the month! We also request that Ocwen updates their records to reflect accurate information now and in the future!
3rd-does Ocwen consider their policies to supersede consumer rights, federal and state laws? Yes or No!
4th- is Ocwen and their counsel able to tell the difference between a " D '' verses an " O '' on a document? Yes or No!
5th-is Ocwen and their counsel reading the complaints prior to responding to our complaints with the CFPB? Yes or No!
6th-does any federal or state law require consumers to send a correspondent letter to a company or furnisher of information by certified letter or any other means equivalent too? Yes or No!
7th-is Ocwen aware that our previous CFPB complaint ending in XXXX has been disputed, your counsel stated incorrect information which has been addressed and what I said was accurate? Yes or No!
8th-is Ocwen and their counsel aware of false accusations such as the term spurious ( term used for FAKE )? Yes or No!
9th- is Ocwen and their counsel aware that they have 60 days to correct consumer issues after being notified? Yes or No!
10th-is Ocwen and their counsel aware of the penalty for providing false statements to federal and state agencies? Yes or No!
I have filled a dispute several times through XXXX explaining that this is not my debt. I don't live in XXXX.. I live in XXXX. I requested the company send proof of this and the only thing they can send is an invoice. No letter showing that I may have acknowledged this debt or taken responsibility of this. I have no unpaid medical bills. This is clearly fraud. I refuse to pay for something I didn't do. My next order of business is pursuing legal action. I would rather pay a lawyer to sue you for pain and suffering than to pay for something fraudulent. This only shows on my XXXX   credit report and XXXX  is agreeing with the company on this bogus proof or debt they are providing. Is XXXX  an accomplice? I am happy to add them to the lawsuit as well.
I established a payment arrangement in XX/XX/XXXX for bi-weekly payments of XXXX. I NEVER missed a payment or was late. I received a phone call last month ( XX/XX/XXXX ) from I.C. System, Inc. ( XXXX. XXXX XXXX, XXXX XXXX, MN XXXX ) stating that my payment arrangement had ended and my final payment of {$27.00} was taken out on XX/XX/XXXX and I had a remaining balance of {$150.00}. Not sure who authorized the increased payment either because I did not. -- - I asked the guy to be put back on the payment arrangement I had in place because my financial situation had not changed. He told me that my ONLY option was breaking it up into two equal payments ( which would be 3x my normal payment amount ). I told him that was not feasible - he then THREATENED to put this on my  credit if I did not take the offer he gave me. I then informed him that it is illegal to threaten someones credit and that I could not increase my payment. I then went on their website and made a payment on XX/XX/XXXX for XXXX. Today I received a call from I.C. stating that this had now been reported on my credit ( after I was threatened ) - even though I still have not missed a payment.
I don't know who these people are.i asked for a debt validation and they sent me a letter with someone else 's email address on it.
When I first consolidated the loan after I graduated from XXXX School, I was able to afford the payments because I was still living with my parents. In XXXX XXXX, I purchased a home and decided to contact Wells Fargo to go through the income status process. My mother and her boyfriend had cosigned for the loans, and because of that Wells Fargo determined that, with our combined income, the loan payments were manageable at their current amount. It was always my intention ( and still is XXXX to make these loan payments on my own, as this is my student debt and my responsibility. In XXXX XXXX, I found out that I was pregnant. I had an extremely difficult first trimester and missed a lot of work and almost XXXX months of pay. 
In XXXX XXXX I decided to change my employer to better suit my current needs and the future needs of my child, but was already behind in all of my debt by the time I secured a new job. 
I made another call to Wells Fargo and asked if there was any way to lower my monthly payments. I told the representative that I would feel comfortable with $ XXXX {$600.00} a month - he told me that, as long as my financial status and the financial status of my cosigners had n't changed, that my loan payments could not be reduced. 
My mother spoke with Wells Fargo in XXXX XXXX and asked if there was any help they could provide. She had already reached out to a consumer credit counseling service by that time and was waiting to hear back. Again, Wells Fargo stated that there was nothing they could do to help unless our financial status had changed. They suggested a XXXX organizational call, so she contacted an agency through XXXX. She was told by the agency that they were not able to help with student loan dept ( government or private ). She had also asked Wells Fargo if partial payments would help, but they said that they needed payments in full. 
I was making full on-time payments up to the point that I became sick with my XXXX. I want to continue to make payments but need them to be affordable. My child is due on XXXX XXXX, XXXX at which time I will have additional expenses and daycare costs. At what point will Wells Fargo work with me to make my payments affordable so that I can resume payments? I have worked very hard since I was XXXX XXXX XXXX to build an excellent XXXX XXXX and am devastated at what this is doing to my score.
I tried to transfer {$2900.00} to XXXX on XXXX XXXX. The website/customer care stated that the transfer will happen in 4 hours. But after 2 days i receive a email stating that the initial verification is failed and they wont be able to transfer my money. I called the customer care and they told me that I would get back my money by weekend XXXX XXXX or XXXX of XXXX XXXX. I called the customer care ( XXXX ) today ( XXXX of XXXX XXXX asking for my money, when she tells me that I would receive my money only by the next weekend ( XXXX or XXXX XXXX XXXX. When i asked her what was the reason, she tells me that since i 'm sending money to business, it would take extra 5 days. I asked her that " the money was not even sent and that my details had failed in the initial verification, so how does it matter if the reciever is a personal account or business account ''. For which she didnt have an answer and she told me that that is how it will be. She also told me that she would escualte the issue but still the time frame will be the same. 
When i tell her that i would need the money back so that I can transfer it using another service, she cuts the call. I call the customer care again and ask the agent to connect me to the manager for which i 'm put on hold for about 30 mins. After which even the manager also states the same thing. 
I would need my money back so that I can at-least use another service to make the money transfer.
Demand Draft Fraud : To the XXXX I do believe that BSI Financial Services Inc. Has committed draft fraud, the company perform an unauthorized debiting of money from my checking account, through demand drafts they made it possible in stealing money from me. 
Arrangements was made for recurring payments of a certain amount to be withdrawn automatically from my checking accounts. The surprise I got was that withdrawals of a different amount was done with no prior written authorization no verifiable authorization before the demand draft was submitted for payment. 
As a condition set forth in my mortgage note indicates funds will be withdrawn to cover the monthly mortgage note ; the number of draft payments authorized, a written confirmation method was used, in the event the draft was inadequate or incorrect BSI fails to obtain an express verifiable authorization for additional funds. 
BSI Financial Services should be liable for civil penalties per this violation of money obtained in violation of the draft fraud. 
On XXXX XXXX, 1996, the Commission filed an enforcement action in the XXXX XXXX for the XXXX XXXX XXXX Georgia against a cluster of allegedly fraudulent sellers of magazine subscriptions who had used demand drafts in violation of Rule. ( XXXX XXXX This was the first action filed under the XXXX. 
I consider myself a victim of demand draft fraud, upon learning of the unauthorized demand draft amount against my checking accounts which was not authorized that is inconsistent in any way with any authorization that was given the rights to increase their payments by means of a demand draft correction. 
I am reporting this incident of misrepresentation, fraud, and theft regarding this demand drafts to my state Attorney General for enforcement action. As a result to my injury resulting from the demand draft fraud exceed over two hundred dollars. 
Sincerely, XXXX XXXX
Auto payments were setup to make payments on a car loan. Starting onXX/XX/2013. The payments were made on time for 4 1/2 years. Then unexpectedly stopped before the end of the loan. It was found by my bank the the number of months for the loan were incorrect. I was out of the country, in XXXX, that month. When I returned I found the late notice in my mail. Bad timing for me to be away from my mailbox. The loan was at the end of it existence so I went ahead and paid off the loan in full. The financial institution, XXXX XXXX XXXX, reported to credit reporting agencies a missed payment greater than 29 days. I spoke them about my circumstances leading to my missed payment. Their reply was, " We acknowledge participation in credit reporting system is voluntary ; however our company has chosen to report the payment experience of our customers. Therefore, we do not subjectively remove accurate information we have reported to the credit reporting agencies. We are unable to remove delinquencies or change the way we are reporting your payment history as a courtesy or as a gesture of goodwill for brand loyalty. There is a problem with that statement. It does not take into account that we live in a digital age. that consumers have lives outside of this black or white constraint. Or take into account a non planned outcome do to a digital mistake. I ask for this delinquency be removed from credit reporting agencies. Because there was no intent to defraud XXXX XXXX XXXX. This is a unfair mark on my credit for no good reason. This can cost me thousands of dollars when purchasing a home. There is no answer to, why? It is simply a fine place on me for a future home purchase. Shame on XXXX XXXX XXXX for not acknowledging a legitimate digital mistake.
I took out student loans in XX/XX/XXXX / XX/XX/XXXX to attend XXXX College in XXXX XXXX, CA. The total of the two Sallie Mae loans I am writing about was {$15000.00}. 

As of today 's date I have made payments totaling {$47000.00} and have a balance of {$31000.00} with a 14.875 % APR. 

My only options when I have reached out to Navient is to defer or reduce payments by extending the term of the loan, this is not acceptable. 

I have paid 184 % of the original loan amount, when paid off in XX/XX/XXXX I will have paid nearly 370 % the original loan amount. I am XXXX years old and STILL in debt because I tried to make a better life for my child when I was younger. I have been paying consistently, they have their money, there is no need for them to continue preying upon me, yet I have zero recourse. I have no one to turn to and Navient is just allowed to continue their unscrupulous business practice of preying upon individuals that have tried to better their lives. 

Also worth mentioning is that I had XXXX XXXX at the same time as well that have been taken over several times by different organizations ( now owned by Navient as of earlier this year ). The APR was always lower and the loan owners were always much more eager to help the individual as opposed to creating financial hardship. One of those loans is paid off completely and the other two will be paid off in the next couple of months as they make up about {$1700.00} total balance. 

I think I have proven good will, I have paid much more than the original loan amount and at this point I need someone to do something about this. I am angry and the answers I receive from Navient are absolutely unacceptable.
Transunion, like XXXX, like XXXX have as normal decided to write the rules, and support bad behavior that the law was created to protect, they do n't actually investigate any credit report errors. In my complaint, as with my father, my grandfather, my brother, and myself, they instead of reporting accurately, include the names of my relatives to support leaving inaccurate information upon my credit report, in my case they have verified accounts, in verification verified that they belong to my father, XXXX XXXX, my brother XXXX XXXX XXXX or my grandfather XXXX XXXX XXXX, but include upon my credit report as verified. They are breaking the law, but seemingly realize they write the rules, and does n't abide by any regulatory requirements, in my case they have XXXX repossessions for us auto credit, and XXXX that belong to my relatives, they have a charge off for paces run apartments, where I have never lived, but to cover up their wrong doing, include inaccurate names associations, and address to cover up their wrong doing.
I had a loan with XXXX XXXX in 2013. I am now getting calls from a credit report agency saying i owe {$5000.00} and they are suing me for this amount. I havent received any letters, but just harassing phone calls. Today when I asked for the information I was constantly interrupted and called dumb ( told I lack the mental capacity to understand what I was being told ), but the lady on the phone would not allow me to finish my questions to get clear information. She kept saying i needed to get a letter from XXXX stating that I had a XXXX balance, but nothing from this company is on my credit report and I no longer have loan documents from 2013. This company is no longer in business due to being constantly being sued by various states for illegal loan practices. What can I do about this company. I am in Texas. I am being harassed and they are not helpful.