WillisBack/dataset-financial-user-claim huggingface dataset:
My sister 's name is XXXX XXXX. I am XXXX XXXX. Some of her collections have shown up on my report. I pointed this out clearly to Enhanced collection agency through my disputes with the credit bureaus. They left it on my file. This is a willful violation of the Fair Credit Reporting Act Section 623 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
I purchased a loan from Reddough Money Center, originating on XXXX XXXX, 2016, with scheduled biweekly payments of {$42.00}. On XXXX XXXX, 2016, Reddough debited my account in the amount of {$210.00}, without notice. I contacted XXXX XXXX at Reddough about the situation, showed up in person, and after several exchanges about the situation, I was told my account would be credited {$170.00}. I asked for explanations for this gross error, and the answers were very vague. I stated I suspected possible embezzlement, which was dismissed as being ridiculous by XXXX . XXXX, which made me even more suspicious. I then noticed a " Maintenance Fee '' of {$23.00}, charged to my account on XXXX XXXX, 2016, which I had no way of knowing it was charged, if not from the printout for this situation. After providing my personal banking statements from XXXX and XXXX 2016, and providing a printout of my transaction history for XXXX, it was proven that all debits previous to XXXX XXXX had been debited, but XXXX 's records did not reflect the same. 

After reviewing MY personal records, XXXX XXXX verbally promised to reverse the ACH for {$170.00} AND vouched that funds would be available in my account on XXXX/XXXX/2016. That did not happen, of course.
I do not have the dates off hand because it happened over 2 years ago, but after reading the following forbes article, I can definitely state that I was a victim of at least 4 of the 6 common complaints that were being made about Navient. XXXX XXXX XXXX XXXX XXXX 1. created obstacles to repayment by providing bad information ; - Almost every 2-3 months for over at least 2 years, I was provided applications to submit for income-driven repayment plans that I would fill out and re-submit and A ) was told they never received and B ) was told was the wrong form. Each call ended up in a forbearance with interest accrued. The total cost of my loan has gone up dramatically since. Needless, to say it was an endless cycle of torment.
2. processed payments incorrectly ; - Upon finally agreeing to begin making the monthly payments, I was given on three different occasions 3 different addresses to send the payments to, which subsequently caused a return of payment to my bank, and delay in paying off actual student loan. This took over 3 months to get resolved.
- failed to act when borrowers complained ; - I asked on dozens of occasions to receive my payment or any correspondence via post-office mail and not e-mail as it was not reliable for ensuring that I was receiving my applications for refinancing / monthly payment adjustments / statements, and until today, have not received a single letter via standard post office mail.
- illegally cheated many struggling borrowers out of their rights to lower payments, which caused them to overpay for their student loans ; - My original federal student loan amounted to only XXXX and I had under 3 % interest and it was highly recommended that I consolidate everything and go to a private vendor to simplify everything ... .I now have an interest rate of 6.5 % on my student loan with a monthly payment of over {$1300.00} now and a total loan of over 100k. I feel that I was GROSSLY cheated.
I have a public record on file that should be deleted based upon payment and statuteof limitation. Item : XXXX XXXX
On XXXX XXXX, 2017 I stopped by the XXXX XXXX XXXX branch located at the XXXX XXXX XXXX off XXXX XXXX of the State of Maryland to open a New Account. Unfortunately, I could not open the account because of some issues they claimed that I have with the Bank of America five years ago. I will like your intervention to know what the issue with the BOA after almost five years preventing me of opening a New Bank Account with XXXX XXXX and any other banks. Thank you for your anticipated assistance. Yours truly, XXXX XXXX XXXX
I filed an insurance claim. My insurance company promptly issued me a check and included my mortgage company. I got estimates, had the work completed, got an inspection that it was done. My mortgage company. Pennymac, is not releasing the funds to pay off the contractor. My mortgage company keeps sending me random forms that I already completed to be notarized and each time I call they give me a different excuse.
In order to provide you with the proof that the account numbers do not reflect my ownership to them appearing on my credit report, I have looked into the issue with the Federal Trade Commission. They guided me to this letter on their opinion on the issue. These account numbers belong to another person or an imposter using my name to obtain credit information. It is also noted in my investigation that by sending me account statements from the creditor does not dignify ownership. I have a letter from the FTC attached to attest to this. These are the accounts that are not reported accurately due to the fact they do not express the full account numbers and they MUST be removed immediately to avoid litigation :  1 .  XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX  3.  XXXX   XXXX   XXXX   4.  Bank  XXXX   XXXX   XXXX   5.   XXXX   XXXX   XXXX  6.  XXXX   XXXX .  XXXX   7.   XXXX   XXXX   XXXX   8.   XXXX  Mortgage  XXXX   9.     XXXX    XXXX   10.    XXXX   XXXX   XXXX   XXXX
I borrowed {$600.00} to get my through until I graduated. They are charging me 600+ % and I went along with it for a few months because I had no choice. I have requested twice to cancel the loan and pay the principle with no response and they keep charging my bank account that is trying to close with no option of cancelling it online. I have no way of viewing my documents online so I can switch it out to another lender or pay it off.
On XX/XX/XXXX I made a payment on my XXXX store card for {$35.00} but the company then took XXXX from my checking account instead. 

I have been making payments on this card for over a year and I am very familiar with the interface. This was a mistake on their end. 

I called and spoke to a supervisor XXXX ( ID : XXXX ) who informed me that they can not send a refund check until XX/XX/XXXX! Meanwhile my checking account is overdrawn and bills will not be paid.
Very difficult to get different payment options through Navient. More or less if you ca n't pay what they set for you, they only give you the option to go into forbearance. If you say that 's not an option, they say " tough luck ''.
TRANSUNION is once again reporting my XXXX XXXX XXXX XXXX LOANS with INACCURATE information. 

I have XXXX XXXX XXXX XXXX XXXX LOANS that TRANSUNION is reporting late payments on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. 

These XXXX student loans were never late. The loans were in FORBEARANCE at the time the late payments are being reported. 

I have attached the NSLDS showing the loans were in FORBEARANCE. I have also attached an XXXX report showing the LOANS REPORTING with no late payments.
Breached my data and is requiring me to wait until X/XX/17 over a week, before providing any attempt at resolving.
I was going over my credit report and I noticed some public records that are not accurate from  XXXX   XXXX   XXXX  DOCKET #  XXXX  and OHIO  XXXX   COURT   XXXX  DOCKET #  XXXX . At this time I will also inform you that the continue to report invalidated information to any of the  XXXX  major credit bure aus (  XXXX ,  XXXX , Trans Union ), th is action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.   I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
XXXX and it 's designated debt collection company, " West Asset Management '' ( also known now as Global Receivables Solutions ), engage in some dishonest billing and collection tactics. I was actually quite surprised to find out this same exact situation has happened to other people. After terminating my relationship with XXXX XX/XX/2014 ( important to note that I was no longer on a contract but paying month to month ) ; I paid XXXX for the remainder of that month in addition to the next month 's service. Unknown to me, XXXX decided to charge me for yet ANOTHER month of billing. So cancelling in XXXX 2014 and paying both XX/XX/XXXX and XX/XX/XXXX phone bills ; XXXX still decides to charge me with a XX/XX/XXXX bill! But because I no longer had autopay setup for the account, XXXX forwards the account to its collections company for hire - " WEST ASSET MANAGEMENT. '' When I finally received documentation for the extra month I " owed '' XXXX and contacted West Asset Management, they told me it could be resolved if I paid the amount in full and it would not affect my credit. I agreed even though I did not feel I owed the debt. 
Checking my credit and seeing it get decreased with all three bureaus because of a derragatory mark, I again contacted West Asset Management. They informed me that I had paid too late and that there was now nothing they could do to remove the debt. West Asset Management was dishonest with me about the terms of resolving this debt. 
To summarize, XXXX is very unscrupulous in trying to collect extra money from people who disengage their services. This was extremely disappointing that the manipulated end date of services in order to collect an extra month ; I had been a good customer on contract for well over two years who always paid on time and in full. In addition, West Asset management uses dishonest techniques ( as well as possibly illegal ) such as lying about settlement terms and threatening with lawsuits for collections. 
After the time and money sunk into fighting this issue with these XXXX companies, I would like these negative marks removed from my XXXX, XXXX, and XXXX Scores. I would also like other people reading these online to really reconsider doing business with a company like XXXX at all.
The lender makes every effort to not credit payment on the date that it is received. 
The lender charges high fees for making payments and intentionally delays posting payments to create additional late fees. 
The United States Postal Service confirms that the payment was received on XXXX XXXX but the payment is not posted until XXXX XXXX. The Lenders ' correspondence states that a late fee would only be charged after the XXXX. But a late fee is charged to the account.
Experian is reporting a charged off account as a recently delinquent payment. The account was charged off in XX/XX/XXXX but is now showing current delinquent payments in XX/XX/XXXX.
I have a home depot store credit card that I use in the store. I made a few purchases that had a 6 month no interest promotion. Every month I pay more than the minimum payment thinking that the excess would be applied to the promotional purchases. No one told me that I had to pick up a phone and call home depot to let them know that I want my excess payment to be applied to the promotional balance. I have paid more than the minimum payment for over a year and a half and my account was still hit with hundreds of dollars in interest for not paying off the promotional balance within the 6 month period. 
This is a deceptive policy because I have been overpaying my account each month expecting the excess funds to be applied to the promotional purchases to pay the balance down. I realized that my balance kept growing even though I was overpaying. Customer service informed me that I did not call to notify them that I wanted to do the logical thing and apply the extra payment to the expiring promotional balance.
My mortgage lender is refusing to cancel private mortgage insurance from my loan. The loan to value ration of my mortgage loan is less than 80 %, I am up to date on my payments and I have never been late, and I have requested cancellation of PMI in writing from them. I made extra payments on the principal of my mortgage loan to bring it down below 80 %. It has been slightly over one year since I purchased my property. My mortgage lender claims the loan to value ratio must be 70 % instead of 80 %. I have a conventional mortgage loan with a fixed rate and I believe I am entitled to cancel PMI once I have paid the principal balance of the loan down to 80 % or less of the value of the property at the time of its purchase. The value of the property at the time of its purchase on XXXX XXXX, 2014, according to appraisal used by the lender was {$160000.00}. The principal balance on my mortgage loan today is {$120000.00}, which is 79.95 % of its value. The value of my property has not declined in the last year.
I have disputed the inaccurate reporting of payments and balance from the XXXX XXXX XXXX with XXXX, Equifax and XXXX multiple times and nothing was done to correct the issue. The investigation was not completed correctly and the information was not verified.
The company, citi, refuses to correct duplicate charge on my account made by wash laundry on  XXXX   XXXX   2017. I have  called in a number of times as well as submitted the request through my account on line.
On XX/XX/2018 a collection account was added to my report by an company known as AD Astra Recovery, a company in which I do not owe. I have disputed this misrepresented account from the orginal creditor to no prevail. I have requested many of times original documentation from this company and credit agencies alike ; without receiving anything to satisfy my position. According to the FCRA law, if the creditor can not provide documentation then the account shall be removed.
In XX/XX/XXXX I visited my dentist office to take care of what I thought would be a quick simple procedure. By the time I left I was sold a GE Care Credit Card with a $ 6.5K limit and up sold dental services which, looking back now, were clearly not needed. Young and naive, I did n't know any better and certainly did n't understand the racket I would be subjected to years to come. This credit card charged-off around XX/XX/XXXX because I was unable to keep up with the terms and conditions of the agreement ( Truth in Lending ), which was not presented to me. The payments I made were primarily applied towards interest due to an already high rate, but also due to a " penalty '' rate for making a payment late. I recall one-time being told that it would go back to the lower rate ( the lower rate being 25 % + or so ) once I made XXXX on-time payments. It 's hard to negotiate with XXXX but I tried, but ultimately lost and stopped making payments because I refused to be subjected to their XXXX, threats, and abusive lending practices. 
This account has ruined my credit. I see now that this company was fined by the CFPB and ordered to pay restitution to its victims. Although I took the card in XX/XX/XXXX -before their 0 % debacle started in XXXX it 's clear that this company was NEVER operating under prudent and fair practices. The practices that they were fined for do not show up out of now where ; this company 's divisiveness and lack of transparency was embedded deep and was chronic behavior. I honestly do not know what rights I have as a consumer at this point but thought I would start here to see what assistance I may have in clearing this negative account from my credit report. I 'm happy to see that this company had to pay for their misdealings and hope that those misdealings result in the removal of this charged-off account.
I have been trying to get a modification on my mortage since XX/XX/XXXX. I have been sending documents to Pacific Union Financial for months trying to save my home for foreclosure. Finally on XX/XX/XXXX I was told that my modification was denied on XX/XX/XXXX with the reason being that I do not live in the property. I have called as recently as in the last week when I spoke to XXXX XXXX, a manager at Pacific Union Financial. I am repeatedly told that I will not get a modification because I do not live in the property. I am in active military service and I have court orders from XX/XX/XXXX ( attached ) stating that I am to report to and be stationed in XXXX XXXX, Kansas. That is where I currently live. It is not only illegal but highly unethical to deny me for a home retention program because I have orders from the United States government to help protect the country and it's citizens in a location other than my own home. The way I see it, my property is still my home, and I am merely away for work, which also happens to be work that keeps this country free for all of it's citizens. Therefore I expect Pacific Union Financial and the FHA will fairly consider me for a loan modification.
Fifth Third Bank is reporting incorrect information on my credit report to XXXX and XXXX, resulting in a negative impact on my credit scores. They are reporting an account as 30 days past due when I do not owe anything on this account and there is no past due balance. This is coded as if I am currently late when, in fact, I am not.
Bank closed my XXXX credit card accounts without any reason or anything negative that I have done. I have always paid my bills on time and in most cases I paid the bill in full by the due date. By closing my account I lost all the points that could have been redeemed for credit on my statement. I have been as customer for about 3 years. I started with a {$2000.00} credit line my line was at {$12000.00} at the moment as well as XXXX other credit lines XXXX for {$10000.00} and XXXX for {$2000.00}
I entered my identification inormation in, I did not recognize or remember most of the correct answers. The website then told me I ca n't get my credit report.
My name is XXXX XXXX. My mother 's name is XXXX XXXX. We lived at the same address for some time. Her social security number has XXXX digits different from mine. I submitted a dispute to Experian to have her information removed from my file. I sent them a detailed cover page with the name differences and her addresses vs. mine ( attached ). I also sent a copy of her bankruptcy filing, schedules and listing of credit items that were HERS and in HER bankruptcy. They did absolutely nothing with it. 
I understand there is some rule used by the bureaus that if an address is on more than XXXX or XXXX items, they do n't remove it..the same with names that are on the file. But this is MY MOTHER 'S information. I would like for CFPB to use this in your published articles. Credit Bureaus should not be allowed to simply say : " These companies say this is yours so tough ''. The Bankruptcy and the following accounts were included. XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. I have included her bankruptcy schedules showing these items discharged in HER BANKRUPTCY ... but I also sent this to Experian and they ignored it.
My wife and I applied for a Home Equity Line of Credit with Wells Fargo Bank. The phone rep, XXXX, obtained all of the information. Based on our mortgage balance and the estimated value of the home as well as income figures, he offered us a loan of {$33000.00} which was more than we were asking for. We lifted the credit freezes we have for protection. Our XXXX scores were above XXXX. Wells Fargo ran our credit reports and denied our request for a HELOC based on Loan to Value. We complained to Wells Fargo that they misrepresented, mislead us and committed fraud. The application should have stopped with the phone rep based on loan to value since he had the figures. The file was re-opened by XXXX XXXX, a supervisor, who said XXXX had entered incorrect figures for income ... he had used net instead of gross amounts. We were then conditionally approved for {$33000.00}. Documents were provided as requested. We were then denied a second time for loan to value and income/debt ratio. We feel that Wells Fargo committed fraud by misrepresentation, was misleading, provided false information to us, and made false statements to us. They had all of the loan to value and income to debt figures when the original and corrected application were submitted. They should have known then and there that we did not meet their criteria for the loan. They should never have run our credit reports based on the information they had. Now our credit reports show a hard hit and a declined credit request. We are asking that the credit hit from Wells Fargo and the declined credit be removed from both of our files.
This Citibank loan was paid in full and still showing a balance of {$1300.00} in my credit report!!!!!
On XX/XX/2018 for the second time I sent a certified mail and requested that any address that didn't reflect my current residence on my credit report be removed. This certified mail was sent to XXXX and Experian with a notarized letter. They since then responded with those adresses still showing. ultimately I just want those addresses off.
I have been going back and forth with Transunion about inquiries on my credit report that were not authorized. I was a victim of identity theft back in XX/XX/XXXX  Someone attempted to get a car in my name on XX/XX/XXXX as well as a XXXX card through XXXX XX/XX/XXXX and something through XXXX XXXX XX/XX/XXXX. The latest thing they applied for was XXXX XX/XX/XXXX. They are telling me I have to contact each individual creditor and have them write a letter stating they will remove them. I dont think I should be the one to do that if I was the VICTIM!! That is unfair to me!! 
Also I bought a carXX/XX/XXXX. I stepped into the dealership with a approval from XXXX XXXX auto financing. There was no need for the car dealership to run my credit!! They ran it anyway and I was hit with 10 inquiries ... why?? I didnt authorize them to run my credit. That was my whole reason for me finding my own financing!! 

Identity theft inquiries are as follows : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX Both XXXX and XXXX have removed said items and Transunion should follow suit. I have now placed a fraud alert on my ssn.
As far as me buying my car and having my own financing to where the car dealership did NOT need to run my credit these are the inquiries from them doing so without my authorization : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX This is so unfair to me!! I have called Transunion so many times and I keep getting told to  contact each individual company. Once again its not fair to me if I was the victim of identity theft!! And if XXXX and XXXX both deleted them why come Transunion wont?!!
Credit bureau is in direct violation of FDCPA and FCRA and have validated/verified the accounts on my credit report.
Equifax is reporting my son 's bankruptcy on my credit report. I 've disputed this several times with them and each time they come back and still say it is mine. I 've sent them my son 's info DOB, SSN, along with case number for the bankruptcy. Now my son and I share the same name and is a  XXXX  so I can understand maybe the confusion but not after I 've disputed and shared this info with them.