WillisBack/dataset-financial-user-claim huggingface dataset:
I currently have XXXX private loans with navient that they 're currently attempting to collect. My concern is with the aggressiveness and harassing manner that they are attempting to collect the debt. I have spoken with with navient in regards to my current financial situation and they are not compromising. They are very rude and have made multiple threats to myself and my mother over the phone in regards to not paying back the money borrowed. They have charged me $ XXXX/loan totaling {$100.00} in forbearance fees and for them to stop negatively reporting on my credit. I am expected to pay {$400.00} a month to them which I have already expressed that I can not afford. They have never requested pay stubs or any other financial information and have only told me based on the income I 've shared with them that I can afford to pay the loans back. I am growing very distressed about this situation as I have expressed on multiple occasions that I do want to pay the balance however can not afford the only repayment option that I have been given. They have been negatively reporting on my credit for months and I am now in fear that me not being able to pay this one option given is going to put me in a deeper financial bind that will take an extensive amount of time to repair. I understand that this is a debt that I have collected and it must be repaid however I feel that they have not done their due diligence and providing me options that fit my financial situation and can supply their need of repayment. I have been informed that navient has violated many lender laws in the past I strongly feel that the way that I have been treated is yet another case against them. I have a payment coming due in a couple of weeks that I know I will not be able to afford and I 'm in fear of the consequences yet my multiple cost to them to try and compromise or figure something else out have all proven unsuccessful. They are not only uncompromising but very rude and use personal opinion to factor in their way of helping you. More than this being a customer service concern this is something that it 's going to affect me financially and many years to come. I do feel like my rights are being violated and I am being harassed. Please advise.
ISSUE # 1 : After submitting a recertification for my income-driven repayment plan, I received an email from XXXX on XX/XX/XXXX stating the following : " We were not able to process your recertification request for your Income-Driven Repayment plan. A letter will be sent detailing the reasons that we could not approve your request and next steps if you think this information is incorrect. '' I never received any such letter detailing why my IDR recertification was denied given no change in annual income. I called customer service and the agent said not to worry because my payment would NOT CHANGE until XX/XX/XXXX. This was a lie. Today ( XX/XX/XXXX ) I received a direct-debit reminder for a significantly higher payment ( more than {$200.00} increase ). 

I speculate that XXXX may be using spousal income based on XXXX. However, not only do we plan on filing separately for the current year ( XXXX ), we also have a pre-nuptial agreement stating that my student loans are not community debt. 

ISSUE # 2 : I do not believe XXXX is counting eligible payments made to my previous loan servicer ( XXXX ) toward my public service loan forgiveness ( PSLF ). I have copies of bank statements showing payments made that are not being counted by XXXX even though they were made under an eligible repayment plan.
XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
XXXX Account Type Installment Loan Terms 36 Months Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid - Payment Status Details Paid, was a repossession Status Updated XX/XX/XXXX Ownership Individual Original Amount {$23000.00} -
Address/Previous Address ( es ) Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX is XXXX XXXX XXXX I do not live here nor have a lease here nor a Mort from the bank for this said address. 

This unit is in some one else name and belongs to them not me nor have I ever been to the building or rented or lease.
On my XXXX  report I have on my personal file a wrong address which I asked XXXX  to remove, for I have never lived at this place XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I have no idea where it came from. I've never lived in California. It was posted in XX/XX/2018. 

Alos with Transunion they have a address that is not mine that address is XXXX XXXX XXXX, XXXX, OH XXXX I also would like for it to be removed off you my personal credit profile.
On XX/XX/2017 One main financial pulled my credit report for an application I never requested, applied for, or knew anything about. I have written letters to the company, disputed my credit report, and almost a year later, still no response and no resolution.
XXXX XXXX XXXX opened XXXX accounts within a few months during 2013 at a time when I was XXXX as verified by the attached Letter of Medical Necessity. During this time span I was XXXX. These XXXX accounts are Identity Theft and should have been BLOCKED on my Experian Credit Report. When I subsequently became aware of the Identity Theft and notified XXXX XXXX XXXX, both accounts were summarily Charged Off. XXXX has repeatedly denied my requests to BLOCK the accounts.
When I brought up my credit score, as a service from XXXX XXXX, it continues to say '' serious delinquency ''. I called them and they said they get their information fromExperian. I have asked you guys for MONTHS to help me with this and you have done NOTHING. I have responded to endless letters, forms, I have called ... do I need to get my legislator involved? NO ONE WILL TELL ME WHAT THE SERIOUS DELINQUENCY IS WITH MY CREDIT SCORE. I am not in serious delinquency on anything yet it continues to show up!! What in the hell is it? Why wo n't you help me? Do I need to get an attorney?
Nationstar Mortgage as you are aware from my previous complaint that was never settled illegally entered my property, threw out my renters stole my personal property including tv 's, furnishings, dishes and proceeded to allow the the pipes to freeze causing in excess of {$100000.00} in damages and loss of value. I sued them and they apparently threatened or payed off the judge that handled the case as before the jury trial the judge decided that it was okay for them to do that. Nationstar parent company runs the XXXX XXXX XXXX and has mass control and influence in the community. They used this influence to commit massive crimes against me to the point of having XXXX XXXX of the XXXX XXXX XXXX 's office threaten to arrest me should I go to my own property. The property was not in forclosure at the time and I had called Nationstar to get a payoff as I had the property sold for substantially more than what was owed to them. The property is now damaged and worth less than half of what is owed. They have proceeded to tack on fees and expenses after finally applying to have a sale and refused to release the cure or payoff amounts to XXXX XXXX. Thus costing me an additional XXXX XXXX or more dollars just to cure the loan. Some of these fees were deemed illegal as the original firm handling the foreclosure was charged with crimes and forced out of business by the state attorney generals office. I am still being charged these fees. I am attaching the cure statement showing these charges. This property was in perfect condition and had renters in it when they took possession of the property. It did not require anything. They have broken every law imaginable against me and my property and I expect JUSTICE! I would have had the property sold and money in my pocket with the loan paid in full, but they do n't get paid for that they get paid to service the loan and the more fraudulant they are the more they get paid. This crime was committed against me and XXXX XXXX as they are the real holders of the note even though Nationstar keeps claiming in all the court paperwork that they own the note. They are criminals and belong in jail for theft, conspiracy, fraud and other crimes. I appreciate any help you can give me. I am happy to publish my number and name so anyone can contact me regarding my proof. XXXX XXXX XXXX XXXXXXXXXXXX
I have a credit card with Discover. I applied for an additional credit card they offer and they responded by lowering my credit limit asserting I had a delinquency and a high balance.. I have made my payments on time and not provided any other reason for reducing my credit limit, other than applying for another credit card. I am a single woman, head of household and I believe this action by Discover is discriminatory and retaliation for my seeking a credit card. 
I want my credit limit restored. 
Thank you. 
XXXX XXXX
I represent, as a manager, a landlord to ACE Cash Express in XXXX Washington. They have abandoned their rented space with one year left in their lease. They used you as an excuse by sending me a copy of your XXXX XXXX, 2015 Outline of Proposals Under Consideration and Alternatives Considered. They said this allows them to vacate the lease. However, the lease says they can vacate the lease only if there are rule or law changes that stop them from operation in Washington state where this store is/was. I have sent them letters, called, and emailed XXXX XXXX, their current VP. They are ignoring me and owe me over {$36000.00}. Can you please help me or tell me who to contact?
In XXXX my daughter, XXXX XXXX XXXX, filed for a student loan from Wells Fargo Financial. She was attending graduate school at XXXX XXXX XXXX in XXXX, AZ. Because she did not have a job, I co-signed on the loan. Since that time she has completed her masters, has a full time job and has been paying on the loan faithfully for the past 6 years. Now that I am XXXX XXXX XXXX, I want to be released from the note. She has submitted 2 separate applications for me to be released but they have denied the requests. When we each called for clarification they have refused to explain why she was denied, insist that we are not entitled to an explanation and there is no one to talk with. They have been rude, dismissive and arrogant.
I tried getting my free annual report from Equifax XXXX. They XXXX claim I already received my free annual report, Equifax stating it was on XXXX/XXXX/15. I have NEVER filled out a form nor went on line or called for this. I am having issues with 3 retail credit cards that are unfounded, so am trying to see the report. When I tried to sign in to the credit reports, they stated I had no account. So how could I have previously applied for it? I feel I am getting scammed, and do n't know where to turn from here. XXXX XXXX
I have disputed XXXX accounts with Experian and each time I dispute the information they come back stating that it is my account without sending a validation of the debt.
I have recently found myself in an unwarranted financial crisis with a company named FLURISH INC DBA LENDUP. On or about XX/XX/XXXX, I obtained a loan through this company to rebuild my credit. Shortly thereafter ( XX/XX/XXXX ), I changed banks and multiple attempts to contact LENDUP to update my account to reflect my new account changes went unanswered. Between the months of XX/XX/XXXX and XX/XX/XXXX, countless attempts to contact LENDUP were made. Additionally, LENDUP has not reached out to me neither. 
As of XX/XX/XXXX. 2 + years later, any and all attempts by me to make contact to pay this debt has failed. Every month, Lendup relentlessly updates my credit report with 120-149 Days Late, which has destroyed my credit score. 
My most recent and probably my last attempt to reach out to LENDUP was yesterday XX/XX/XXXX. Four different approaches were used to contact them ; 1 ). email ( XXXX ; XXXX ), 2 ). Online submit @ https : //www.lendup.com/contact ), 3 ). Cellphone, and 4 ). Attempted to create a new account to gain access to their system, however the system states the SSN submitted is already in use, prompting me to log in using a different account. Each time I send an email, I receive a system generated email response that states, Thank you for contacting us! We're currently experiencing higher than normal response times via email. Please note if you are not logged into your account, response will be delayed further. 
I have exhausted all efforts to contact this company. It is in my professional opinion that FLURISH DBA LENDUP is in violation of the Fair Credit Reporting Act. Furthermore, I feel FLURISH DBA LENDUP is engaging in unfair, deceptive, or abusive acts or practices or that otherwise violate federal consumer financial laws. The company has not given me the opportunity to repay this loan as I promised, to build credit and provide access to cheaper loans, as it claimed. My family and I are struggling tremendously with higher interest rates and I am unable to obtain a loan for a house or vehicle.
Issue : Overpaid my Wells Fargo ( 'WFC '' ) credit card payment on XX/XX/XXXX with assets from a Wells Fargo Account . Called customer service on XX/XX/XXXX and asked for the monies to be returned. I was told it could take up to 30-days and a check may be mailed. I see no reason that the funds, which where collected and paid from WFC account can not be credited immediately back to the account where the monies came from, a WFC checking account. I spoke with Customer Service Manager named XXXX. This is bad behavior, dishonest, not ethical, and abusive of power, not logical and in my opinion criminal. 

Consumer 's honest oversight ... .I had a XXXX payment due ... ..which I paid on-line on XX/XX/XXXX. In an effort to ensure my payment history is perfect, as I did not recall making the payment and knowing I owed about {$70.00}, I went on my phone and made what I thought was a {$70.00} payment but was actually a scribers error and was a {$700.00} payment. This resulted in a {$700.00} credit balance. 
It is unreasonable to take 30-days to return the monies, it is bad behavior to not act immediately, it is fraud not to return the monies immediately. XXXX, the supervisor, indicated that the monies would be held up to 30-days " because we can ''. This is an egregious attitude from a Bank that apparently has not learned its lessons on how to behave like a Bank. It 's no wonder they have set XXXX XXXX  aside for legal fees and promised in their XXXX that the number will be increasing to defending their unethical business behavior. So my financial reputation and ability to make my payments on other accounts is in jeopardy because the BIG BANK needs 30-days to research payment activity from accounts maintained at WFC and credit back the {$700.00} overpayment. Scandalous! 

WFC 's " marketing campaign '' to attempt to improve your image does not help when your employees are unable or unwilling to do the right thing. I was offered to spend additional time talking to a second supervisor ... .really ... how about WFC empower their employees to use common sense ... .unfortunately you ca n't regulate good behavior when you have dishonesty and bad behavior that get rewarded from WFC 's core management ... which is where it is learned ... .Keep investigating there is plenty of issues at WFC including thievery , thru an unauthorized loan of my assets to them, as referenced above.
I have disputed the information on my credit report for date opened and they will not change it. The date that they have listed is the day they bought the past due balance from XXXX XXXX XXXX. By law the date opened is the date XXXX opened the account. If the date was made correct it would be past time to be off all my credit reports. Also i would like them to provide me with a copy of the contract of original loan from XXXX XXXX XXXX.
My credit report shows an account that does not belong to me, original creditor was XXXX, and the reporting agency is XXXX XXXX XXXX. 
I have submited disputes to XXXX and they deleted the account after months of letters and calls. I even submited a letter from the collection agency which states they would not report on my credit report. 
Yet, the account is there again, and XXXX has removed my ability from disputing online. 
I am under the understanding that once an account is removed i should have been notified if it would be reinserted on my credit within 5 days, yet none of that happened. 
as a result of that account showing on my credit report, XXXX XXXX XXXX decided to close my credit card which was on perfect standing. affecting my credit even more
Since XXXX 2010, I have sent over twenty certified letters to both EXPERIAN and XXXX XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, is not mine. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status : EXPERIAN : a ) XXXX  Acct No. XXXX
On XX/XX/2018 I recieved a notification via XXXX that a collection account had been added to my credit report, for the amount of :XXXX $ to L J Ross Associates. The original creditor was from : XXXX a XXXX, Il electric utility company..I never lived or worked in XXXX, Il . I was able to dispute it off my credit report for XXXX  and XXXX.I disputed with XXXX but recieved a email Pdf saying The Collection agency L J Ross Associates verified it was me.that a lie.I contacted them first when o saw on myfico they didn't have MY contact info but the person who used my SN # .If u contact XXXX.they wont have my contact info but another.I showed proof that the account is not mine.but just because Lj Ross say differently still on my credit report.I repeat they didn't have My contact info until I contacted them and ask what and why about the XXXX $ collection. Whatever date XXXX or lj ross may ask me to verify I can prove via paystubs that I live and worked in XXXX
I contacted the United States Bankruptcy Court in XXXX Connecticut on XXXX XXXX, telephone number XXXX and inquired about XXXX Bankruptcys that are on my credit report, XXXX from date XXXX/XXXX/XXXX and XXXX from XXXX/XXXX/XXXX. I spoke with Bankruptcy clerk XXXX XXXX and stated to her this is showing on my credit report with Experian, XXXX 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.
I mailed a Multiple inquiry Removal Letter on XX/XX/2018 by certified mail in order to dispute information, in regards to 6 hard inquiries, that was being reported on my credit report. They received the letter XX/XX/2018 and they completed the request on XX/XX/2018. The request that I submitted included 6 hard inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate  and respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.
I have four accounts that I disputed over a year ago. They are ( XXXX XXXX XXXX -XXXX XXXX ( There are two of these same company different debts ) and finally XXXX XXXX ) The XXXX XXXX both say that consumer meets the criteria to have dropped off my report. Its not. It also shows even though there closed and owing {$0.00} there marked as bad debts. One is listed for {$4000.00} it says it was opened on XX/XX/XXXX however it says date reported was XX/XX/XXXX.?? If this was just recently reported why and how did I dispute over a year ago. I wouldnt have disputed if I didnt know it was listed.? Also XXXX XXXX consistently called myself and girlfriend everyday from XXXX - XX/XX/XXXX while at work and we repeatly asked them to stop calling during work hours they didnt until we finally disputed it. The last two XXXX XXXX and XXXX XXXX are both also showing they were recently reported the first mentioned XX/XX/XXXX and opened on XX/XX/XXXX {$340.00} and it was disputed and at one time dropped now its saying its never been disputed and showing {$0.00} payment or owed and yet listed the amount as a open bad debt? Same scenario with the second {$58.00} reported on XX/XX/XXXX and opened on XX/XX/XXXX says its open and not disputed. The files Im uploading it says their open active placed for collection and yet these are collection companies who originally bought debt and was disputed and found in my favor before another debt collector bought it. I know in under the FCRA when a collection company does buy a debt of a person they have paid bill. My contract was never agreed to with a collection company which makes it null and void.
I am a part of the Equifax security breach that occurred around X/X/17. My personal data ( social, DOB, credit history, etc ) is currently up for grabs by anyone associated with the hack. 

I have enrolled in the 90 day fraud alert, but have not enrolled in Equifax 's monitoring service ( it appears to waive judicial rights if you enroll ).
Amount of {$30.00} transferred from my bank to paypal on  XXXX / XXXX / 17 . Bank approved it and sent the money paypal has yet to issue the funds and tell me nothing can be done about it I have to wait to see what happpens.
XXXX ,  XXXX   XXXX  #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  To Whom it May Concern : Experian  XXXX .  XXXX   XXXX   XXXX , TX  XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX , GA  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , PA  XXXX  PLEASE UPDATE MY PHONE :  XXXX  I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.   The following inquiries are related to none of the aforementioned permissible purposes.       XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Bank  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  R  XXXX   XXXX ,  XXXX   XXXX   XXXX  Credit Union Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely,  XXXX ,  XXXX   XXXX  #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX