WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of identity theft. The following accounts and credit inquiries listed on my XXXX and Experian credit reports are all fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXf XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX.
I opened a card under the promotion of getting {$150.00} in cash back after spending {$500.00} in my first three months, and I have not received my bonus yet. After multiple calls and chats with customer service they kept saying they were going to open up a ticket and nothing has ever happened with it.
contacted on XXXX XXXX by phone as to a debt owed, So I asked them for written notification now XXXX XXXX2017 nver received what I asked for original signed aggreement and the balance from XXXX to present. So they are in violation of the Fair Debt Act.
I have both federal and private student loans through Navient. Right now I have my federal loans in deferment, while I was told that this is a " Cap '' on the number times I can do forbearance or deferment on my private loan. Allegedly I am maxed out and my payments are not affordable at all. I have done income based and interest only and it seems that I am paying more than I can afford. They are not working with me and I am behind on payments to the point where I may be facing litigation because I can not catch up. I get harassing phone calls daily. I have given these people my income and other information.
XXXX has attempted to infiltrate my life since I began leasing for them in XX/XX/2018 through XXXX XXXX. From XX/XX/XXXX - XX/XX/XXXX, I did not live in that Unit, none of my close friends or associates did, however, during my stay in XXXX XXXX XXXX where I was held illegally through the entire process, I was not able to access my house, my money, my phone, or any other possessions. The individuals responsible include XXXX XXXX XXXX XXXX XXXX and any and all other persons at the hospital and in the " executive '' or " quasi-executive '' branch that picked me up for no real reason.
To Whom it May Concern : Pursuant to Case number : XXXX, Transunion agreed to remove the late payment reported for XX/XX/2015, regarding XXXX Acct. No.XXXX. 

Transunion is currently reporting the XX/XX/2015 payment as 30 days past due. 

I demand that Transunion remove the late payment from my credit report, and ensure that it is permanently deleted.
On XX/XX/XXXX I contacted Shermeta Law Group, LLC regarding two credit cards with XXXX. I set up a payment arrangement to pay {$100.00} to each of my two accounts every two weeks. I told them I could make my first {$200.00} payment ( {$100.00} on each account ) on XX/XX/XXXX and I was asked for my bank account info and then told I would need to call on the 30th to make the payment. I called on XX/XX/XXXX to make the payment and then when I checked my bank account on Monday, XX/XX/XXXX, I saw that two payments of {$200.00} had been deducted. I contacted my bank but was told they could n't do anything until the payments actually posted. I contacted Shermeta on XX/XX/XXXX and was told I would be given a refund. I was told the reason 2 payments were made was because one was set up as an automatic payment and I called and made the second payment by phone. Apparently their payment system does n't list pending payments and the only way the representative would know it was there is if she reads the notes on the account. If I did n't know that other payment was set up, I would not know to tell her to read the notes! I still have n't received the refund, have received overdraft fees of {$36.00} because of it and have had money needed for other bills held hostage because I work in a XXXX XXXX and ca n't spend every day trying to call them. I called them again today, XX/XX/XXXX, but they close at XXXX XXXX and I could n't call until my lunch break. I am still without the money and even though I have disputed it with my bank, that can take 45-90 days to resolve. I just want the refund I was promised.
I called Navient for help with not being able to pay my loan. They offered a forbearance. I took that option thinking things were fine. Navient reported me to the credit agencies which dropped my credit very low. I only found out that they did n't put my account into forbearance after I received a credit rating hit.
XX/XX/XXXX, I requested forbearance until XX/XX/2016 because my loans were being consolidated. At the time, I was not aware that I had XXXX private loans from navient, who failed to mention this in the many conversations that went on between myself and the operators. I also hold my guardian responsible, because she failed to tell me that she used my information to apply for these loans to get keep me at school. They failed to mention that from the moment I received the loans that interest was building on them, even while I was in school. Although I do pay my loans, Navient has done nothing but make my life stressful. Since then I have been lied to and harassed regarding my private loans. In XX/XX/XXXX I made three payments to the company, XX/XX/XXXX for {$350.00}, XX/XX/XXXX for {$270.00}, and XXXX for {$270.00}. Despite making several payments, I have since been harassed about late payments. I have had to speak to XXXX escalated account managers and each time a new piece of information is revealed.One of the managers even tried to pry into my personal life regarding myself and the cosigners relationship and even after I would not tell her anything she continued to pry and I had to disconnect the call. It seems like the company is purposely neglecting to change my account status as I receive at least six calls a day from different numbers telling my my account is past due. I have requested this be fixed twice already and it has not been done. I consolidated my federal loans and I am being told that I still owe on those. The payments I made went to federal loans, and instead of someone looking into this, they call me to tell I still owe money, despite my account showing that I paid. I had to request management so that someone could take a further look. I received a letter stating that I overpaid and even after that, I still am receiving calls that I have late payments due. I received a check for the over payment, despite telling the escalation manager that I would like the money to go to the next month balance. Navient has been extremely unprofessional, careless and neglectful in this entire process. On the eighth, i received a letter that my account is Delinquent. My next payment is not due until XX/XX/XXXX, which was to be paid with the over payment check I now possess. I fell powerless in this process and all they continue to do is take my money!! I ahve tried to resolve these matters several time directly with navient but it is not working. I dread the calls. I work at night and my phone is ringing constantly while I am trying to sleep. I have a family and so I keep my ringer loud in the event one of my children need assistance or there is an emergency. However, Navient constantly calls my phone disrupting my sleep and my life! This company is terrible and needs to dismantled!
Navient increase my payment from  XXXX  to  XXXX  back in  XXXX   2016 .
XXXX FAILED TO REMOVE 4 HARD  INQUIRIES, XXXX XXXX DATED XX/XX/2018, AND XXXX DATED XX/XX/2018 AND XXXX XXXX AND XXXX XXXX
XXXX XXXX has not contact number to dispute what they are reporting. TransUnion just removed 3 bankruptcies. which is about 50 points each, removed two inquiries which is about 10 points each and my score before the above was XXXX. Now that information such as bankruptcy plays a major role in my score has been removed, how is it that my score decrease 89 points.
just recd new credit report # XXXX from trans union they have put adverse accounts XXXX # XXXXback on report 90 days late 6o days late this is cc ending in XXXX we now have a credit balence why is this back on my credit report these people are driving me crazy please get off my report
I called and expressed to the agent that i was calling to make a payment. XXXX was her name she said she can accept my payment but she sees that i am delinquent on account which was agreed i asked her after paying the full balance which i believe is a little over XXXX where would i stand on the account. The agent was being very deceiving then explained she can settle the account for a lesser amount but it will close the account which was never my intent. She became even more deceiving and said she gave me authorization to record call and saids he will get her manager which a woman begin to get on the phone and said she is a account manager which she had no more knowledge then prev person i asked where the account go she said to a different stage not sure what that meant then a guy name XXXX who rep his self as a manager said it is against policy to give his full name not sure if that is accurate then said he is the only manager in the office then said he is the highest manager there in his office which was located in Virginia and from my understanding that is a level of MISREPRESENTATION which is against CFPB. He was very rude and and combative, he aslo hung up in my face and said it was policy that he did so if he cant control call and still did not accept payment from me after being on the phone for hours
THESE ACCOUNTS ARE REPORTING IN ERROR ON MY CREDIT FILE. PLEASE REMOVE NOW.
I have made numerous attempts to Receivables Management Corporation located at XXXX XXXX XXXX, XXXX XXXX, XXXX SC XXXX to validate my alleged accounts with them after receiving threatening and harassing phone calls. My request for validation is responded to with form letters stating they have no duty to provide verification. <P/>This company is in direct violation of the FDCPA. I have requested the account be returned to the original client for further validation, but they have refused. <P/>XXXX is stating I have an outstanding balance of {$2700.00} from XX/XX/15.
My and my ex girlfriend had a lease in XX/XX/XXXX to XX/XX/XXXX at XXXX. We fulfilled a year lease around XX/XX/XXXX and was on a month to month basis. We moved in XX/XX/XXXX a week early. Since we paid rent before the month.now they claim we broke the lease which we never had. Reported XXXX different balances to ncc {$1400.00} and {$500.00} Ncc was n't provided our lease by XXXX but reported these amounts on my credit report. Since I moved XXXX has n't contacted me about this issue. This has happened to a few other people who has rented there.
The recent hack of Equifax information has leaked my information to the public. The company has acknowledged that my information may have been breached. Their systems are down and they are only offering a service to " protect '' my case in exchange for the waving of arbitration rights.
Collection Agency : Credit System International , Inc., XXXX XXXX XXXX, XXXX, TX XXXX. 

When it comes federal laws, they are written to protect consumers from unlawful business practices from agencies such as. I was not given sufficient time during the dispute process to get as much information regarding a medical debt. My understanding, I had already took care of matters with an XXXX. That was collected at the time of service XX/XX/XXXX. CSI sent original letter dated XX/XX/XXXX. I disputed the claim because I didnt know what debt was for. By law a consumer has up to 90 days at the time collection agency makes contact regarding an outstanding debt, before any reporting to the credit bureaus negatively. Federal Credit Reporting Act under The Federal Commission, section 623. CSI reported negatively to the credit bureaus while this matter was in dispute. The have violated my rights under the FDCPA and FCRA. I value my credit, and anything negatively reported should be removed. 

Please assist in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, TX XXXX
My discover card is charging me interest at a point that is unaffordable. 
Id life to pay the card off to get rid of it, and have tried, but no matter how large a payment I make, the interest they charge is sickening. 
Ive been with them since 2008. Ive always paid on time. I am now down to minimum payments because I cant afford their interest. I complained to them and they told me too bad to put it simply. This company is horrible. I refuse to make lump payments as its mostly interest. I cant afford the pay off amount yet of just under {$9000.00}. This is just wrong as Ive been with them for so long and have since then cut my card to shreds. 
I cant pay off half the amount unless in want to pay {$7000.00} due to interest and then another {$7000.00} to pay the card off. 
This company is a scam. Id never have signed up for this had I known they were such liars and crooks.
Name of Creditor : SECURITY FINANCE CORPORA Address : XXXX : XXXX, XXXX XXXX XXXX : SECURITY FINANCE CORPORA Amount : {$490.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.
I 've sent XXXX XXXX XXXX And Equifax multiple requests regarding removal of an old mark on my credit file regarding an old Student XXXX through XXXX XXXX XXXX that was paid/closed. 

Accordingly, I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way. 

I have attached copies of correspondance and a copy of a draft complaint which I intend to file if Equifax is unwilling to directly resolve this issue.
I have been asking XXXX and Transunion since XXXX 2015 to provide me the documentation they have on file for the items they are reporting on me. So far the credit bureaus have deleted some items and other items they say they verified are mine BUT sent me no proper documentation in fact they sent me nothing at all showing me how they proved the item was reporting correctly asnd was mine, nothing at all. I have sent all 3 credit bureaus over 5 letters asking them to show me and nothing. They are severly hurting my ability to get a house for my family. UIf they cant prove the items according and under the FCRA laws they need to remove the items. I am getting tired of the getting the run around and letters back from them with nothing. In fact TransUnion put a freeze on my account which I never asked them to do and when I contested it they sent me a form asking for several pieces of identification that I am NOT going to provide I want them items removed and the freeze removed. I also want to know how I can go after the credit reporting agency legally in court, can you help me please. It should n't take 6 months to get some action. 

Thanks-
I open a checking account with Bank of America. I had received an bonus offer via mail. I used the allowed option to open account via an internet portal supplied in said offer. The offered had stated stated I 'd receive a {$150.00} bonus after making two qualifying deposits. The bonus would be applied 60 days after completion of the second deposit. As a regular consumer ... My thoughts were any deposit made that 's alerted by there system to me as direct deposit is considered the acceptable qualifying deposit. If it was n't acceptable the system should n't alerts the consumer that a direct deposit was made. The bank associates I talked to state that I did n't make deposits that 's considered direct deposits. This issue could have easily been avoided if their own system was n't sending out misleading alerts and notifications. I politely waited the 60 days to only find out that I technically did n't meet the requirements. I asked for an extension due to their system error. I 'm definitely not trying to get over that why I 1st asked for an extension. I then asked for an exception to be considered and made since it was their systems error and I would have been able to correct beforehand had I not received misleading alerts. I 've called several times and filed multiple complaints. Complaints not fully reviewed or lost or not even really considered. With the supporting documents it would be nice that Bank of America took some accountability for their misleading notification and alert system.
I am sending this complaint to all three Credit Bureaus ( XXXX, XXXX, and Transunion ). In XX/XX/XXXX, XXXX XXXX XXXX ( XXXX ) posted a ERRONEOUS Collection Account to my Credit Reports ; this is the ONLY Collection Account on my Credit Reports. I have tried DISPUTING this ERRONEOUS Collection Account with all three Credit Bureaus. Upon reviewing my three Credit Reports today, XX/XX/XXXX, I see this ERRONEOUS Collection Account has been updated on XX/XX/XXXX, apparently as accurate, because it is still being reported. On XX/XX/XXXX, I filed a online complaint against XXXX XXXX XXXX through the XX/XX/XXXX ( XX/XX/XXXX ) ... See PAGE 1 of attachment. On XX/XX/XXXX, XXXX XXXX XXXX sent a final response back to my XX/XX/XXXX complaint ... See PAGE 2 of attachment. XXXX XXXX XXXX stated in this final response that they were UNABLE TO VALIDATE this Collection Account Debt. Additionally, they stated, as of XX/XX/XXXX, they will be sending a Record of Deletion to all three Credit Bureaus. Based on the ATTACHED EVIDENCE, IMMEDIATELY delete this ERRONEOUS Collection Account from my Credit Reports. I have supporting Evidence/Documentation for Legal Action, if necessary.
For as user-friendly and intuitive as Navient pretends to be, they are anything but when it comes to comparing your previous account balances and 'simple daily interest ' calculation. The only information shared in the account history section, is the amount of money being paid monthly. There 's nothing that shows the previous balance, making it unbelievably annoying and frustrating to compare how your monthly payment is impacting your current principal balance. A simple section that shows your monthly principal balance is extremely helpful so one can consider and adjust his/her monthly budget in consideration of a student loan payment. 
I work extremely hard to make {$1000.00} payments on time each month. When I log into the my account the following month, my monthly payment has hardly made a dent in the principal balance. With our current system, it is nearly impossible to payoff a high student loan with a monthly interest rate of 6.875 %. This is not the American Dream I was always told to work for.
I FILED A CHAPTER XXXX IN XXXX XXXX. IN XXXX XXXX MY CHAPTER XXXX WAS COVERTED TO A CHAPTER XXXX. ANY DEBT THAT WAS CREATED BETWEEN XXXX XXXX AND XXXX XXXX ARE TO BE DISCHARGED. SEE XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). I HAVE NOT HAD ANY SUCCESS WITH GETTING THESE ACCOUNTS REMOVED FROM MY CREDIT. 
*XXXX- SHOWS PURCHASED BY ANOTHER LENDER. THIS ACCOUNT SHOULD NOT BE SHOWING ON MY REPORT AT ALL, THE ACCOUNT WAS OPENED IN XXXX XXXX. 
*XXXX- SHOWS PURCHASED BY ANOTHER LENDER. THIS ACCOUNT SHOULD NOT BE SHOWING ON MY REPORT AT ALL, THE ACCOUNT WAS OPENED IN XXXX XXXX. 
*XXXX- SHOULD NOT BE SHOWING ON MY REPORT AT ALL. THE ACCOUNT WAS OPENED IN XXXX XXXX. 
I HAVE SENT THE EXPLANATION OF BANKRUPTCY DISCHARGE IN A CHAPTER XXXX CASE THAT I RECEVIED FROM THE BANKRUPTCY COURT WITH MY DISCHARGE ORDER TO THE XXXX BUREAUS. IT STATES CLEARY " IF THIS CASE WAS BUGUN UNDER A DIFFERENT CHAPTER OF THE BANKRUPTCY CODE AND CONVERTED TO CHAPTER XXXX, THE DISCHARGE APPLIES TO DEBTS OWED WHEN THE BANKRUPTCY CASE WAS CONVERTED. '' I HAVE BEEN SUCCESSFUL WITH SOME OF THE COLLECTION COMPANIES WITH CLOSING THE ACCOUNT THAT THEY PURCHASED ONCE I SENT THE THE PROOF. I CAN NOT GET THE CREDIT BUREAUS TO DELETE THE ORIGINAL ACCOUNTS FROM MY CREDIT, THESE ACCOUNTS ARE DISCHARGED DUE TO THE CONVERSION.
I contacted the United States Bankruptcy Court in XXXX Connecticut on XXXX XXXX, telephone number XXXX and inquired about 2 Bankruptcys that are on my credit report, one from date XXXX/XXXX/XXXX and one from XXXX/XXXX/XXXX. I spoke with Bankruptcy clerk XXXX XXXX and stated to her this is showing on my credit report with XXXX, Equifax and XXXX, Bankruptcy clerk XXXX XXXX stated to me they didnt report any Bankruptcy of any kind with my name on it, XXXX XXXX along with another clerk by the name of XXXX stated the Bankruptcy court do not report to any of these agencys. They stated to me they dont know where the got this information from or how, but that didnt provide them this information. And that this information is incorrect.
The credit card company for Home Depot ( Citi ) removed a late charge on my bill that I paid completely, but by the time they removed it, another late charge on the late charge happened. These cascading late charges ( on the late charge waived ) are the only outstanding amounts due this company. The only balance on this card is late charges on late charges for XX/XX/XXXX ( {$25.00} ), XX/XX/XXXX ( {$25.00} ), XX/XX/XXXX ( {$35.00} ) and interest for XX/XX/XXXX on this " promotion balance ''.
XXXX separate loans payed on XXXX separate dates were combined into a lump sum without my approval
I/we sent a letter on XXXX XXXX, 2016 asking Global Receivable Solutions to send all documentation including my legal signature showing that a debt is owed to their company. After waiting 30-days, Global Receivable Solutions never provided me with the documentations. 

I/we then sent a follow-up with a phone call and letter on XXXX XXXX after receiving a phone call from a Representative [ XXXX XXXX ] on XXXX XXXX, 2016 advising that they did not meet their obligation outlined in the first letter. 

For this, the company has failed to meet the 30-day validation outlined by the Fair Credit Reporting Act ( FCRA ) and/or Federal Fair Debt Collection Practices Act ( FDCPA ). 

Due to the company 's unwillingness to send all requested information, it continues to affect my credit report. And I am unable to confirm this " alleged '' debt. Our belief is Global Receivable Solutions is not dealing fairly and would appreciate if CFPB conducts a full investigation of their business practices.
The credit reporting agency told me if the court couldnt prove the lien was mine, they woould remove it. They said all I have to do is wait XXXX days and it will be removed. After the other two credit reporting agencies removed the erroneous report off of my name instantly with the IRS document I provided, they decided it wasnt good enough. Then I continued sending in IRS documents that the IRS said would clear my name, the whole time they did not tell me each time I send new information in, it resets the XXXX days I have to wait. So today I finally found out ( now that it was about to be XXXX days ) that they have been resetting my XXXX day wait period. Now I have had destroyed credit that continues to go on and on. They do not know how to read the IRS documents and are accusing me of something the IRS said they should easily be able to read. The complaint I have is that they were not honoring the initial XXXX day window to clear my name if not proven guilty, now it is getting closer to XXXX month I will have to wait. They should not be able to assume I want to extend my XXXX days by sending them new information that is only extending my time for my name to be cleared. They did not tell me they would do this, and it has really hurt me financially and is continuing to. They should have to disclose to the disputing party that any information sent resets the XXXX day waiting period, otherwise that means a person is claiming to be guilty because why would anybody want to wait longer when they know the initial debt collecting party can not prove anything because it is false.