WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX, 2016 To Whom It May Concern : I am writing in regard to Barrett Financial L.L.C. After dealing with this company, I feel it is very important that all pertinent agencies are notified about their shady business practices. Every other hard money lender in AZ said what he was doing was 100 % illegal for an owner occupied home. I am hoping my letter writing will get someone to look into this company and their ability to follow and understand the law, before they really hurt someone. With all the information they have on me I am terrified of what they are capable of doing to me. I am hoping to put a fraud alert on with all the credit agencies for everyone involved in the deal. 
I was very unhappy with this company! I worked with XXXX XXXX. This particular man did not show me respect. He told blatant lies. Another party and I were in the process of purchasing a home with XXXX. He took all our personal financial info ( including bank account info and social security numbers ) and sent us a pre-qualification letter. We found a home and put in an offer, following his guidelines. We thought all was good. We were wrong. The man disappeared. The buyers ( me ), the sellers, our agent, their agent, the title company and the inspection company were all on hold. We talked to the receptionist and she did not know what was going and would under no circumstances allow us to speak to another lender. Then all the phone message machines ( voice mails ) were full, XXXX 's and the front main line. This went on for days until we lost the house. I asked XXXX to simply pay us back for the wire transfer costs to the title company of {$35.00}. He refused and still refuses to this day. I am XXXX and he knew it from all the paperwork. He took advantage and lied to a XXXX person. His lack of communication with his clients was below sub-par at best. 
I honestly believe this man thinks he is above the law and better than other people. Pure sociopath in my humble opinion. 

Sincerely, XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, CA XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, AZ XXXX XXXX
A Citibank XXXX card was opened in my name back in XX/XX/XXXX by a family member without my permission and was illegally used. The ending charge-off balance was over {$700.00}. I filed an ID theft complaint not long after the account had shown up negatively on my credit report and the account was removed around XX/XX/XXXX. Unknowingly the account was posted on my XXXX credit report around XX/XX/XXXX. I only found out about the negative item after I applied for a mortgage refinance. While my refinance was successful, the account caused my credit score to decrease and made my interest rate higher than it should of been. Needless to say, I was furious at the fact that Citi/XXXX would repost an account that was already deleted. This item still stands on my XXXX report and I am demanding that Citi/XXXX remove this item. The account number begins with XXXX ... .. under the name XXXX XXXX XXXX .
The credit reporting agencies are continuing to report these accounts inwhich has not been physically verified but only told by an agent of the company that the account is mines, however according to FCRA, them accounts need to physically verified and the consumer needs copies of such documentation.
Bank of America Account # XXXX In 2014 I opened an account with Bank of America because my Bank in XXXX  had no location here in XXXX. 

About 5 days later Bank of America closed my account and accused me of Check Fraud. I have not been able to open an account in 4 years. 

I have been with my Bank - XXXX for over 35 years and have never did anything fraudulent nor have I ever wrote any bad checks. 

Bank of America accuses me of writing checks to myself in an account that had no funds. This is not true. The bank has clearly over reacted. 

I wrote a check to CASH ... this is a normal process when wanting cash to yourself vs another person. I overdrew the accout by approximately {$7.00} or so. It's been 4 years so I can't remember exactly. But when I realized it I immediately put that money right back in the bank account to cover it. But the bank was quickly to close the account and accuse me of fraud. 

The bank could have talked to me about this before they made such a drastic decision. When they close the account within 5 days the bank owed me money I did not owe them any money. The account was overdrawn by few dollars only for about a day before I made a deposit to cover those few dollars. 

We are talking no more than {$10.00} or less. I would think if I wanted to write fake checks I would write them for larger amount not just a few dollars. 

The situation has preventing me from getting an account anywhere for 4 years now. XXXX wants to charge me {$450.00} to clear the situation up. But I am not paying them that for something I didn't do. 

I would like Bank of America to remove the consumer report and clear my records so I am allowed to get a bank account. 

Bank of America contacted me but letter in 2014 after the Consumer Financial Protection Bureau contacted them. However, I was never able to connect to the person named on the letter - I just kept getting voicemail after voicemail so I never was able to reach out to speak to a person at Bank of America.
I submitted an application to open a checking account. The bank sent me a card and I activated it and started making deposits. I deposited {$470.00} in total. 

However, the account was locked because I apparently had not submitted some additional documents - Social Security card, utility bill. Unfortunately I need to order a replacement social security card and won't have a utility bill with my current address for a few weeks since I just moved. 

So I called Citibank and asked if I could just close my account and get my funds back since this was really too inconvenient for a bank account that was supposed to be a convenient way of tracking weekly spending. They said I could go to a branch and close the account and receive my money. 

I did that and the bank refused to give me my money, claiming that they would not distribute my funds until I provided my social security card and a utility bill. 

I believe it is patently unjust that an account would be active enough to accept my despisers but not active enough to give me access to my funds. I just want to get my {$470.00} back and be done with Citibank.
Navient is the servicer to my federal student loan. Per their internal policy, they apparently can not process paperwork for loans on autopay if they decide to process two weeks before the date of an autopay. This stands in complete contrast to their stated commitment to process paperwork in five to ten days of submission. 
As an example, my automatic payments are deducted on the XXXX of every month from my bank. I filed paperwork showing a change in my income levels on XX/XX/XXXX. Despite calling to push the process along on XX/XX/XXXX, Navient internally claimed they were ready to process on XX/XX/XXXX. However, as XX/XX/XXXX is within two weeks of the autopay day of XX/XX/XXXX ( 13 days, to be precise ), they will not consider the paperwork that has been filed until after XX/XX/XXXX ( and up to five business days after that ). Navient also agreed with me that it could be much later than that, as that " will be the holiday season, and work slows down. '' I am a responsible lender and have made on-time payments in the Pay as you Earn plan for several years. I am shocked that Navient, a private sector company, can not hold itself to a standard to process critical paperwork for months on end. Its client, the federal government, should take action to stop such incompetence.
My credit report shows an item that was previously removed and then re-inserted. The FCRA states that the bureau must send a letter to the consumer within 5 days of a re-insertion, they have not. 

On XX/XX/XXXX I requested validation from XXXX via certified mail tracking # XXXX sent to the address that they reported on my credit at XXXX, IL XXXX. The letter was returned as undeliverable, they were using an invalid, bogus address making it impossible to get a response to my validation request. As such I disputed the item with the credit bureaus on XX/XX/XXXX and sent them proof of the " undelivered mail ''. The item was removed but later reinserted. 

XXXX # XXXX was no longer reporting on my credit report on XX/XX/XXXX under report # XXXX and it was reinserted on my credit on XX/XX/XXXX. 

I notified Experian via certified mail of the reinsertion on XX/XX/XXXX, see attached copy of my letter. 

They have clearly failed to follow the procedures as outlined by the FCRA. Furthermore, this item continues to report on my file for months now when it was removed nearly 12 months ago. This is very damaging to my credit. 

I 've been writing letters to both XXXX collection and to the XXXX credit reporting agencies. Furthermore, I also sent a letter to the " Registered Agent '' of XXXX to XXXX to a different address as listed on the corporate records. He was in receipt of my letter on XX/XX/XXXX, to date I 've received no response from him and it 's been over 6 months. 

It 's absurd how difficult this has been, a consumer should not have to go through so much just to get a resolution to a complaint. This company should be reprimanded for using a bogus invalid address and avoiding complaints as an attempt to not follow FCRA/FDCPA law. 

A normal consumer does n't have the means, time or energy to file a lawsuit against them, but according to the FCRA/FDCPA procedures they 've failed, there are multiple violations and should be sued. Please remove this listing from my file immediately.
After reviewing my credit report, this company has XXXX different credit accounts listed.i only had XXXX CCA with this company and the account has been paid and closed for several years. This company is currently still reporting to the credit bureau as of 2015 and I have n't had an account with this company in several years.
I was told conflicting information about being on the income driven repayment plan. When I first started this plan several years ago, I asked if I could still make payments towards my loans even though I had a XXXX dollar per month payment on the income driven repayment plan. I was told I could not make payments towards my loans and that it would affect my status in the income driven repayment plan if I did. Therefore I did not make any extra payments towards my loans, even though I had some ability to do so during this time. Now I owe more on those loans because of interest accrued. I called the lady and last month to ask the same question, can I make payments on my income driven repayment plan Loans even though I have a XXXX dollar per month payment. I was now told that I can make payments on my loans with no consequence to my income driven repayment plan. I wouldve been doing this for years had I known it was a possibility, Which would impact the life and accrued interest of my loans.
I fell behind on my mortgage and applied with my servicer Mr.Cooper for help. I hired an attorney to help me with the process. I was approved for a loan modification trial and I paid all of my trial payments on time. My last trial payment was due in XX/XX/XXXX. I have not received my final documents. My attorney called Mr. Cooper and they are telling us that they mailed out my paperwork to the wrong address for the law office. My attorney advised them of the CORRECT address, however stupid Mr. Cooper says my attorney has to send them in writing a letter stating the address THEY have incorrectly on file is not correct. Otherwise they say they will not give me my final mod documents and I will lose my house! So I have to pay my attorney to correct Mr. Coopers error. My attorney advised Mr. Cooper we have never given them that incorrect address and all of the paperwork they sent in, including the authorization, had the correct address. Mr. Cooper then agreed to mail out a new set of my final paperwork to the correct address based on them looking at all the paperwork my attorney sent in had the correct address. Mr. Cooper said they would do that as a favo??? But still demanded my attorney to send them in a letter advising them of their error. This all occurred on XX/XX/XXXX and as of today I still do not have my final documents. My attorney called again today and Mr. Cooper hung up on him. He was asking why the paperwork didn't go out. The rep said they were waiting for the letter. My attorney asked for a manager as that was not the agreement and he had called on XX/XX/XXXX and Mr. Cooper at that time told my attorney the documents already went out. My lawyer nor myself has ever received any call from Mr. Cooper during this time. They never called to ask if I had received the final paperwork. They were just going to let my loan mod cancel out then take my home! Shame on Mr . Cooper!!!!!
I do not know why I have two collection accounts with your company. I have checked with XXXX XXXX who took over XXXX XXXX XXXX ( the facility that I was seen at ) they have no record of these bills. I have no idea where the charges came from, what they are for and if insurance was bill properly. Can you please provide validation of the accounts that are showing up on my credit report? I just find it very strange that the medical facilities do not have a record of these charges or me owing anything. I spent over an hour on the phone with them trying to figure out where these bills/charges originated from.
barclay bank acct # XXXXcharged me for a late fee in XXXX that happen in XXXX and then they showed my account late for XXXX and XXXX.
the following items I have been disputing has not been removed from by credit report on Equifax as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX company the reason why I am disputing these items do not who they are and can not get in contact.
I financed a car On XX/XX/XXXX with Westlake financial along with a co-signer. I fell behind on car payments in XX/XX/XXXX, I then caught up on my payments and due to switching jobs I then fell behind again being off work for XXXX weeks and I went from getting paid bi-weekly to weekly. I fell behind and I have been trying to make small payments here and there. the finance company had told me that everything was okay and I was going to catch up on my payments. I called today XX/XX/XXXX to make my regular payment and the finance company had told me that my account was locked and someone else had to handle it, at that point I did not know what this meant. I was transferred to a male attendant and he had told me my account was locked due to being behind on payments. I then commented I was calling to make a payment. After I had explained the situation that I had fell behind he proceeded to tell me there was nothing he can do he was locking my account to no longer accept payments from me then the attendant continued to mock me and belittle me in a rude tone. such as saying " theres nothing I can do im not going to wait for you, you cant even afford the car, and also mocked me saying " all your saying is ugh, ugh, ugh is there anything else I can do when I already told you XXXX times no '' I then commented that there is no reason to belittle me or mock me in this situation. and he said " I am stating facts okay I repeated myself 4 times, so make sure you take your personal belongings out of the car so they can pick it up XXXX different companies have been looking for you and if your hiding we will find you '' I then told him " if I was hiding would n't have called you to make my car payment today. He proceeded to say " well im not going to say no to your money im going to take it but that is not going to help its too late '' I got upset and told him his tone and the way he handled customer service was not right and he made the comment of " I am not customer service I am collections '' so I mentioned regardless of him being customer service or collections he should allow the customer to talk or state the concern. I then hung up due to the rude mannerism and now they are telling me they are sending tow trucks to my job and home. URGENT.
I paid off my credit card per our agreement, but the bank continued to automatically charge my bank account.
I received an Amex gift card in the mail directly from Amex as a gift from work. I used it at XXXX merchants 1 day apart. I went to use it 2 days later and bal is XXXX s/b {$37.00} ... Went online to view bal and transactions and was used at a XXXX in NY ... I live in TN ... Unfortunately Amex treats cards as cash looks like number was stolen at merchant ... I think it was the XXXX ...
My credit score has dropped XXXX points since XX/XX/2017 to date, however the credit monitoring service nor XXXX, Transunion or XXXX credit bureaus can provide an explanation of the factors that influenced such a significant change.
I have had this account for almost 5 years and they are still reporting late payments from almost 4 years ago will they ever forever me for. Wing late I have been a customer for a while now
OVER 45 DAYS AGO I WENT TO APPLY FOR A CAR LOAN AND WAS DENIED -- -- - THEY SAID I HAVE A COLLECTION ACCOUNT ON MY CREDIT. I WAS STUNNED BECAUSE I WAS NOT IN DEBT WITH ANYONE AND I HAD NEVER RECEIVED A COLLECTION NOTICE IN THE MAIL.   I HAVE LIVED AT MY CURRENT RESIDENCE FOR THE PAST 12 YEARS. I ORDE RED A FREE COPY OF MY CREDIT REPORT AND A COMPANY CALLED AARON AGENCY WAS LIST ED ON MY CREDIT. I SENT THEM A LETTER IN THE MAIL BUT STILL HAV ENOT HEARD BACK AND THE ACCOUNT IS STILL ON MY CREDIT.     THE ACCOUNT IS NOT MINE AND THEY HAD NO BUSINESS PUTTING THE ACCOUNT ON MY CREDIT ESPECIALLY WITHOUT SEEING IF THE DEBT WAS MINE, FIRST.
Have been charged by XXXX for credit card protection without me signing up for the program since I opened my credit account.
Promotional purchase states to avoid paying accrued interest charges on any deferred interest promotional balance you must pay at least your minimum payment due, if any and the entire applicable promotional balance by the expiration date it also states that if your account has a deferred interest promotion and you would like us to apply a payment on your account to a specific balance, please call customer service to discuss options that may be available. When I called to pay off the promotional balance I was told I could not have money allocated to the no interest promotion that any balance after its expiring will be rolled over to the non promotional balance and be subject to interest but they don't let you pay it off in full.
I submitted complaint # XXXX with the CFPB on XX/XX/XXXX on NMAC regarding an erroneous repossession. That issue is still being resolved. They offered to reduce my payment by extending my loan, make 2 payments to get me current, and waive all late fees due on the account. I received a follow up voicemail on XX/XX/XXXX around XXXX from XXXX ( one of the managers that is trying to help me ). He stated they are still waiting on my updated contract to be processed ( this was offered as a result of the aforementioned complaint # ).
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The next evening XX/XX/XXXX, I got a call from NMAC at XXXX, which is in violation of FDCPA laws and protection. " XXXX XXXX '' ( her business name ) called and I asked to speak with her manager. She transferred me to " XXXX XXXX '' ( his business name ). I told him about my situation and he validated in the notes. He confirmed all late fees were gone and that they received my {$410.00} on XX/XX/XXXX, which was n't due untilXX/XX/XXXX. He also stated that they did not have my paperwork ; I advised him of the voicemail I 'd gotten the day before stating they were still processing the new contract. My funds did n't process, since my payment amount has still not been corrected. However, I ca n't speak for why the call was placed after XXXX.
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I contacted the CFPB again on XX/XX/XXXX to advise of the late collection call. I was advised to submit a new complaint and that I could n't " add on '' to my existing complaint. I do n't want to have to deal with Nissan 's aggressive collection tactics, especially if I am the one reaching out for help, or in this case I 'm finally current. I do n't like dealing with offshores agents that are allowed to provide fake " business '' names. I only want the manager XXXX or his boss ( I think her name is XXXX ) handling my account. He is the only one that is following up or watching the account.
Bank of America pick and chooses which check to hold. I have been banking with BOA and their policy has changed drastically. The check they hold do not apply to any of their hold policies. 

On XX/XX/2018 - 2 check out of 10 were held with no apparent reason. I have a history of depositing check from these same venders with no issues. I have a 20 year history of banking with BOA and now I'm unsure of which check they will hold. 
I called and spoke with a BOA Representative and I was told " they could not get verification from the bank '' Is that just a way from BOA to hold my money and make interest on it. 

As Per BOA Web site : Situations that typically cause a check to be held include : There is reason to believe the funds may be uncollectable The source of the check The account has been open for 30 days or less The account has repeated overdrafts in the last 6 months The check is in an amount greater than {$5000.00} or larger than you normally deposit Fraud is suspected The check was previously deposited, then returned unpaid The check was not properly endorsed Emergency situations, including computer or communication failure Incorrect routing or account number information on a deposit slip
Someone stole my personal information and identity and opened up an unauthorized and fraudulent account with XXXX. I been receiving harassing, threatening and death threats telephone calls from representatives from LVNV Funding, LLC., in regards to the fraudulent account and the debt of {$220.00} I do not owe. The debt do not belong to me. SSN : XXXX
I refinanced my mortgage with XXXX XXXX XXXX through XXXX XXXX services via a CASH OUT refinance, and in the process paid off my Vehicle, a credit card, and lastly my WELLS FARGO INSTALLMENT LOAN .... In the process, there was an overpayment to WELLS FARGO of $ XXXX of which I immediately notified wells fargo who had informed me a check would be issued and would arrive in no less than 7 business days ... At this point, it has been 45+ business days, multiple calls, multiple hours spent on hold, multiple research requests, multiple notices that they never actually sent my money back to me, and now finally they have apparently cancelled the check and told me they would direct deposit the overage, which I had requested them to do originally .... Lo and behold its been over a week and still no direct deposit ... They said friday it would be deposited for sure as that was 5 business days after the direct deposit request ( XXXX ) but hey of course I still dont have my money .... I contacted title and they instructed me to reach out to the CFPB ... so this is where we are ....
I was reading this report u sent me and a see that a diff name was on the list XXXX XXXX. That is not my name never had been I never use it. And wanted to know how do I get it taking off? Also with the XXXX XXXX  I've never had that also. Everything else is ok.
InXX/XX/XXXX the property was purchased for $ XXXX and in XX/XX/XXXXa $ XXXX HELOC was taken out. As you already know, the original purchase was financed by two simultaneous mortgages for $ XXXX and $ XXXX totaling $ XXXX, but when the $ XXXX and $ XXXX were consolidated ( see Exhibit 1 ), evidently the $ XXXX was confused with the HELOC and left off ( see Exhibit 2, page 11 of title report ). Also, among other errors, $ XXXX in closing costs was apparently mistakenly entered as $ XXXX ( see Exhibits 1-4 ). If you resolve this soon we wo n't sue you. A sale of the property is collapsing, as we have previously told you.