WillisBack/dataset-financial-user-claim huggingface dataset:
Navient is counting my income as my husband 's income, and he is a XXXX. Navient says we have to file taxes separately in order for my income to not count as his, but he has NO income and he is my dependent. How does that work? His payment was {$110.00} a month and now is {$330.00}. Both Navient and XXXX moved us from an IBR to ICR this year, and I can not figure out why. We spend {$XXXX} a month on our son 's XXXX, plus whatever XXXX bills I may have. With what Navient is charging for my husband 's payment plus my payment, we are paying over {$1000.00} a month on student loan payments. I bring home less than {$XXXX}. We can not pay this amount for my unemployed husband. He has no income and it is a double charge for my income to make him pay based on my income. Navient has been threatening to charge him even more. I can not figure out how to get help, and Navient is being incredibly awful to my husband. With the XXXX, we do NOT need additional XXXX and we are not going to be able to survive with the payment they have assigned him based on my income. We had to complain about Navient before ( last year? ) for being even worse and telling my husband to falsify a government document. I do n't know how to get Navient to reduce my husband 's payment. How can it be right to charge me twice on an ICR ( which is supposed to be an IBR plan )? He has XXXX income.
I contacted Trans Union at XXXX in good faith on multiple occasions and most recently on today X/XX/2017 @ XXXX to explain to them that I am aware that because of their computer glitch my inquiries were deleted from my credit profile and then without proper written notification were re-added to my credit report. This glitch was not my fault and was the error of Transunion. I am aware that it is against the law to re-add items that were deleted back to my credit report without informing me in writing 5 days prior to re-adding these items. This is a violation of my legal rights and legal protections and I demanded that all of the inquiries be removed from my credit reporting profile. I am hereby filing this complaint asking for the CFPB to assist me in getting this matter resolved promptly. These inquiries are causing a hardship and I am asking that Transunion remove all of them.
My husband and I both had our PI information stolen and subsequent credit cards where opened in our names. We have tried for over a year now to clear our good name to no avail. i have followed every proper protocol revolving CFPB, FTC ID theft complaints in the hopes of having the XXXX CRAs block the fraudulent accounts. Instead of assisting they actually revictimize and make it much harder. My credit is in shambles and I am unable to refinance my home!
I opened up a CitiGold checking account back in XXXX XXXX using a promotion that would give me XXXX XXXX XXXX miles once I 've made XXXX bill pays and {$1000.00} in purchases on my debit card. I completed the requirements and had n't seen my points post yet. I submitted a secure message around XXXX XXXX and the rep confirmed that I would see the miles posting within 60 days. It has been over 4 months and I still have not received my miles.
I am a victim of identity theft and have collection accounts and credit inquiry that is fraudulent, unauthorized and do n't belong to me. The following collection accounts and credit inquiry do n't belong to me : XXXX, XXXX/XXXX XXXX/XXXX, XXXX/XXXX/XXXX, XXXX
Prestige sound like another vehicle was purchased under my name.Without my permission or consent.Do n't have a clue of who would forge my name like this so many times.
XX/XX/2017 sent a dispute letter to the 3 credit bureaus asking to verify this collection not known for me and never receive any comunication attempting to collect any amount from XXXX XXXX.

After few weeks receive by regular mail a letter with a check mark indicating the debt is mine and a statement of XXXX  dollars for a cell phone account.

I ask the credit bureaus to validate this information and Convergent fail to reply straight to the bureuas with original contract with my signature on as lroof of any debt with a cell company or any proof to owe any money to XXXX XXXX.

They never contact me or provide physical evidence of any debt related to phone company or XXXX XXXX.

Attached is a file they are indicating a debt without right validation.
Every time I have attempted to receive my credit report online from Equifax they will not release it for view. They constantly require that I send many copies of information by mail and I still have no confidence they will release the information as a free report. Both XXXX and XXXX are never a problem when I view my report online. What is wrong with Equifax? Since this is a continuing issue it leaves me with the belief they are looking for a way to get around offering a free report, maybe you can tell me.
I sent a letter to Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax did n't remove the accounts and they sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the XXXX Court does not verify any information to the credit bureaus.
PNC bank failed in the electronic funds transfer that has been in place for over 24 months at the time of origination. I had made Principle only payment on XX/XX/XXXX and again on XX/XX/XXXX. The customer service representative did something wrong and my EFTs stopped. I was unaware of the problem until I received a Late payment notice. 
Monthly Payments - {$500.00} I called and spoke to XXXX XXXX in Loan servicing about the problem., and he assured me that the problem was corrected. 

In XX/XX/XXXX I received another Late payment for being late for two months. 
I again called and spent 2 hours trying to resolve my issue. 
After trying to reestablish my EFT, it was determined that my account was frozen and the only way to become current was to send in via a check payment. 
The stated reason was that PNC IT systems were not sync and an upgrade caused the EFT to stop. 
The resolution that XXXX XXXX am I worked out was to pay off the entire loan. 
The Loan was paid off via an EFT - XXXX. 

The title has been received. 


When I paid off the loan XXXX XXXX again assured me that my credit would not be impacted. 
I check my XX/XX/XXXX Credit score and it was XXXX. The Credit Score in XX/XX/XXXX is now XXXX. 

I have an escalation pending with PNC Bank I opened the escalation on XX/XX/XXXX. 
XXXX XXXX XXXX, VP is the representative XXXX XX/XX/24 Called PNC - XXXX XXXX about the credit report. 
He could not open my escalation file. 
Had me call XXXX the main PNC bank number Been on hold for 20 minutes while going through VRI system to get to Escalation department. 

Spoke to XXXX XXXX XXXX - she was out for XXXX from XX/XX/XXXX to XX/XX/XXXX. 
She said a letter was send stating my credit was negatively impacted. I did not get the letter through USPS. 
Requested that the letter be emailed to me. 
Requested the name of her boss for further escalation - XXXX XXXX - XXXX
My issue is that there are several debit transactions to a XXXX binary options broker that turned out to be fraudulent. The merchant, that is, turned out to be fraudulent. It is illegal for this merchant to do business with United States citizens unless they are regulated and licensed with the CFTC. They are not regulated or licensed with the CFTC, but the merchant lied to me and said that they were. I only found out they were fraudulent when I tried to make a withdrawal of my funds and instead they locked me out of my account. The merchant stole my money! 

I originally filed a dispute for these transactions as unauthorized transactions because the merchant was n't authorized to do business in the United States. Therefore, I thought that 's how it needed to be filed. I should have disputed under a different category. Regardless, I do n't think there was too much investigating into my case. 

They also closed my account for filing a dispute!!!!!!!!!!!
After deciding to upgrade my current phone, i applied and was approved for merchant credit in the form of an installment loan. This loan for for an XXXX  XXXX XXXX, through a well known online outlet company in the cellular industry called XXXX XXXX XXXX XXXX XXXX. However, this company has failed to report my account to the credit reporting agencies, now in month three, nothing has shown up, so my payment history is not being included on my credit report. I went through the proper channels to investigate why my payments haven't posted. I was then informed that my account have been submitted for reporting back in XX/XX/2018 but the credit bureau, namely Experian, has failed to investigate and update my account to my profile, which after research, and consulting with a family friend whose an established attorney informed me that this was a direct violation of Fair Credit Reporting Act. This account required a down-payment of {$180.00} after a credit check, a soft check as stated by the representative. And the remaining balance was to be paid over 24 months in the amount of {$29.00} after the initial payment of {$30.00}, the vendor states that they do report to all 3 major credit reporting agencies which typically shows up in 30-45 days. 
Below is Information provided to me from the creditor, my account # is XXXX, balance of device when the loan was opened was {$710.00}, current balance is now {$210.00}, after several on time payments ( 5 in total ) and trading in my old device Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Physical Address : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, SC XXXX Contact Number and Fax : XXXX
I 'm filing a complaint because of the lack of help and correspondences with Wells Fargo with regards to the Estate of XXXX XXXX XXXX in an effort to submit foreclosure alternative paperwork including but not limited to the completion of a possible short sale of her property in an effort to satisfy her loan obligation. Every time I send the requested documents such as her Death Certificate they keep saying that they never received it and then request the same documents over and over again stating that they never received them. I leave messages and they are not returned.
XXXX  is still continuously reporting high incorrect balances and current balances are being changed from paid in full to high balance that is incorrect. I was never late on my XXXX account, and also you will see I have paid both accounts off in full. They do not allow the consumer to dispute online or via any way period. They are corrupt, along with XXXX, and TransUnion. During the recent Government shut down, they especially took advantage of the down time, denying consumers access to reports, disputes, or any attempt period to have a fair credit report. I am trying to purchase a home for me and my family and they are purposefully at this point breaking the law by not allowing the consumer access to their own reports, along with no access to dispute incorrect information. This is how smart they are, you can't even pay to have access. LOL kind of defeats the purpose of being in business, or am I taking crazy pills here?
XXXX has been non-compliant with removing the unverified account PORTFOLIO RECOVERY ASSOCIATES which has been deleted by XXXX and XXXX. XXXX  and XXXX   have both completed their research and determined that PORTFOLIO RECOVERY ASSOCIATES was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
I was informed that I was a victim of identity theft and was instructed to obtain my credit reports from all  XXXX  credit reporting agencies. I had no problems accessing  my  XXXX  &  XXXX  reports but get denied access by Equifax. They ask half a dozen security questions before allowing you to view it. All the security questions Equifax asked were regarding accounts I have no knowledge of preventing me to answer them correctly. I contacted Equifax directly asking how to handle the issue and they told me my only option was to send copies of two forms of ID ... Social Security Card ... by regular post mail. I explained I was n't comfortable sending those private documents through regular mail since I was just a victim of identity theft and have experienced problems with lost items by the USPS. The woman at Equifax said I had no other choice. Equifax denying me access to my credit report is preventing me from obtaining information I need to resolve the identity theft matter. I was recently denied a new job because of the unknown information that my credit report contains. The industry I work in relies heavily on consume r reports in the hiring process.
Coinbase ; XXXXXXXXXXXX is the account ID : Bank reversal from XXXX weeks ago in the amount of {$410.00} has locked all of my funds now in Coinbase where I have {$1000.00} XXXX Coinbase support still has not unlocked my account to let me buy sell to cover the {$410.00} bank reversal. So, I put the {$410.00} onto a card for Coinbase to get. Coinbase said they were going to take it off card but did not and account is still locked. I told them they can also just take it out of my account as I have enough to cover it. I NEED MY ACCOUNT UNLOCKED TO GET TO MY MONEY! 
In attached copies of emails, you will see that XXXX guy ( coinbase support ) told me to replace the digital funds ... which would now cost me twice the amount. NO!
I have been a Bank of America customer for about 10 years holding multiple money market accounts, checking and savings accounts. i also had several credit cards which i paid in full and never had an outstanding balance on. my credit score is above XXXX as well. last year i received letters from BOA stating that my XXXX credit card accounts were closed and my checking and savings were to be closed within 30 days to make arrangements to get my money. no problem. my concern was the XXXX points i have EARNED with my royal XXXX card. they told me i could n't get the points to redeem because the account was closed i advised them the contract says if i close the account i will lose it however i was given no warning about the closure or given the opportunity to redeem the rewards i earned and received. they would not give me a reason why the accounts were closed and just said it was a business decision. i called corporate and all, and got nothing. i was only concerned with having to redeem my points but they refused to honor the fact THEY closed my account and i did not breach the terms and conditions which is extremely unfair. i earned those points and rewards and am entitled to them. i have contacted a civil attorney to fight for whats morally right here. since, i have a new bank and have no issues. even the BOA branch had no idea why BOA corporate " ended my relationship '' with the bank after 10 faithful years and abiding by call contracts. i had used this card faithfully for several years and paid the card in full faithfully, never missing a payment. I earned thousands of rewards points and was n't given the opportunity to redeem them because BOA closed my account without any warning ( as they sent me a warning letter for my checking and saving ) why couldnt they do the same for the credit card accounts. this has to be a scam or a breach of security or contract on their end! they refuse to provide me with any details or explanation which can not be right.
Capitol One put a 30 day mark on my credit in XXXX 2016 but my bank Capitol One rejected my deposit and I was given different reasons as to why they did that. I need all of the credit marks removed, I have asked Capitol One bank to send a letter detailing this information but they claim they ca n't send a letter just the terms and conditions. I need a letter that states they received the amount of {$340.00} but they sent it back, a supervisor advised me that they ca n't do that. It is not my fault that Capitol One Bank rejected my deposit because it was money orders, but their website does not say they do not accept money orders. I do not think I should be punished for what Capitol One bank did to my deposit.
I just recently filed a complaint through CFPB due to  XXXX   XXXX  showing an inaccurate delinquent account on my credit report since  XXXX . My most recent complaint from  XXXX  was me asking  XXXX    XXXX   to remove the account completely from my credit report and their response was that they are unable to remove the account because it did in fact exist. What I guess I needed to clarify is that I 'm fine with the account showing up on my credit report but it still shows up as a delinquent account which is completely inaccurate and it has caused my credit score to plummet in the last 2 years and now is the reason I can not refinance my  XXXX  student loans. So the delinquency part of the account is what needs to be removed from my report.     Also, I have submitted requests to the credit bureaus to eliminate the delinquency from my account and they have failed to do so.
In XXXX, a capital one account was created by one of my  financial assistances. I didnt find out about it until XXXX, when she got fired for identity theft. I tried to remove the credit card from my credit for 2 years now but capital one said all the information match to me. So Im stuck paying for the debt.
I was contacted by XXXX XXXX XXXX with a threat to sue me if I did not settle a XXXX XXXX account. Out of fear I paid the XXXX dollars and thought I was settled. They then notified me that I had a second account and that was with the attorney and being prepared to be a lawsuit. I was confused as I clearly remembered closing my XXXX XXXX account after having it stolen on a trip back in XXXX. 

I pulled my credit report and saw XXXX report for XXXX XXXX. It states closed XXXX and Paid or paying as agreed. It also states " card lost or stolen ''. The dates did not match the XXXX dates that XXXX XXXX reported, nor did it match the amount of that card. I called TransUnion and disputed this. I was told over the phone that it did not match and I should dispute the information. I did and have waited. I checked today ( was given no notice it was completed ) and it came back as verified and they also changed the XXXX settled account to having a balance of XXXX. 

I called TransUnion and have been on the phone for over an hour. They are asking me to verify that the accounts are not mine. I believe it is clear they are not mine as if I did have XXXX XXXX XXXX accounts in XXXX they would certainly show on my credit report. I have spoken with XXXX people who continue to question me about who owns this account. How can I possibly answer that? 

XXXX XXXX is also showing on my XXXX and XXXX accounts. Again, this is all with different dates and balances. The only XXXX XXXX account I have ended as " paid or paying as agreed '' in XXXX XXXX. I want the XXXX XXXX accounts deleted off of each XXXX of my credit reports as they are not accurate at all. I want the threats and the contact from XXXX XXXX to stop as well.
You may look into my previous complaints for further information.
In summary I have been paced on collection by TSI for a debt that they were given by XXXX XXXX XXXX to manage without ever informing or attempting to inform me of such changes or my ability to make payments on the debt. 

I have explained in the past how their initial and only attempt was to place my account on collections after my cosigners Chapter XXXX bankruptcy was finished and they could apparently collect again. While this is happening I was told repeatedly by the XXXX that they had no idea of any account in my name or even with my SS #. Impressively enough TSI turns around and places my account on collections without any letters in the mail, any phone calls, any emails, nothing! 

The account should be taken out of collections status as this is an abuse of power and manipulation of accounts. As a consumer I was lied to by XXXX and was never contacted by TSI nor was I ever informed that TSI existed and/or had my account in their possession.
I requested and received a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX ( XXXX ). The XXXX loan was approved and received by the mortgage servicer, GMAC Mortgage. The day before the Sale Date, GMAC Mortgage refused to accept the reinstatement monies that had been electronically transferred via XXXX computer system. GMAC claimed they required seven ( 7 ) days to reinstate my mortgage, and XXXX XXXX XXXX XXXX XXXX approval process left them with only five ( 5 ) days to reinstate my mortgage. California Law requires only four days, and XXXX California maintained that GMAC 's failure to accept the moneyparticularly the day before the sale datehad theretofore been unheard of. I called and talked with my loan 's investor, XXXX XXXX, and was assured my home would not be sold with an approved XXXX XXXX XXXX pending. 

My house was taken by GMAC on the courthouse steps XXXX XXXX, 2012despite XXXX XXXX 's assurances to the contrary. 

I then sought to get the sale reversed through the courts. GMAC had declared bankruptcy, so the lawyers attempted to regain my home for me through bankruptcy courts in New York. The New York bankruptcy court handling the GMAC bankruptcy refused to hear my case. They took my home without precedent, hearing or accountability.
On XX/XX/2015 Evergreen Financial Services violated our privacy by disclosing a debt owed to an unauthorized 3rd party. The collector placed a call to a number the collector found using skip trace. The individual who owns this phone, has pending legal/criminal issues with our family. The violation of our privacy to this individual has created much turmoil for our family now. Furthermore, at XXXX on XX/XX/2015 when I called Evergreen Financial, I spoke with XXXX , and when I asked what the amount we supposedly owed and who we supposedly owed the debt to she refused to give me any information. So, Evergreen Financial first violates our privacy, and then refuses to give me the debtor in the situation any information on the debt. But, XXXX did have the audacity to ask for payment in full- but not give me any information as to the amount or the creditor. They have made no previous attempts to contact us- we had no idea we even supposedly owed the debt. The collector did not verify she was speaking to an authorized party before disclosing that she was attempting to collect a debt. Not only has our privacy been violated, but numerous Federal and State Laws have been violated by Evergreen Financial. How can they attempt to collect a debt when they refuse to give any information to an authorized party, but give private information to a non-authorized party. thank you for your assistance in this matter.