WillisBack/dataset-financial-user-claim huggingface dataset:
Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law. 

When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them. 

You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). 

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. 

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately. 

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

Office of Attorney General 1339 unverified/inaccurate account
TransUnion has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Took a {$400.00} loan out with Blue Trust Loans. It was explained what the payment plan was to pay off this amount. No explanation of interest amount was shared with me. Only thing explained was that a payment of {$75.00} would be my first payment and 6 additional payments of {$100.00} would be taken out of my bank account. After the XXXX full payment is made, the loan would be paid in full. I spoke with a representative of Blue Trust Loans tonight, XX/XX/18 and was informed I still have 6 more months of bi-weekly payments of {$100.00}. I explained to the gentleman that they did not fully explain that I would be paying over 400 % interest on a {$400.00} loan. There is no way possible I would take a loan out with interest that outrageous. The dates they have received payments are as follows : XX/XX/18 - depositedv {$400.00}, XX/XX/18 - withdrew {$75.00}, XX/XX/18 - {$100.00}, XX/XX/18 - {$100.00}, XX/XX/18 - {$100.00}, XX/XX/18 - {$100.00}, XX/XX/18 - {$100.00}. Again, all they ever explained to me was the 1st payment of {$75.00} and 6 additional payments of {$100.00} and then the loan would be paid in full. I feel I am a victim of fraud by this company. If, at all possible, help me resolve this issue, as I feel I should not have to pay the outrageous interest they are charging me. I have already half the amount in interest on my {$400.00} loan and feel that is adequate.
I am a  XXXX   XXXX   XXXX  veteran. On my report for   XXXX   there are  XXXX   XXXX  accounts, all are account number  XXXX . That were disputed that were closed and then removed from the report. 2 Days later they showed back up on my report as new accounts and i have since placed new disputes on this. How can they remove then re add these accounts?
I am still having a problem with Bank of America remodifcation loan applied due to medical conditions 100 % XXXX Veteran. I have all documents sent numerous times via fax and XXXX never processed. 
Promissory estoppel Appelliate Case Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Document XXXX Filed XX/XX/2016 CFPB Complaint Number XXXX XX/XX/2016 Bank of America account ending XXXX.
I mailed several dispute letters pertaining to unauthorized inquiries on my credit report to Equifax by certified mail. The dispute dates and dispute complete dates are as follows : Disputed XXXX/XXXX/17, dispute completed XXXX/XXXX/17 Disputed XXXX/XXXX/17, dispute completed XXXX/XXXX/17 Disputed XXXX/XXXX/17, dispute completed XXXX/XXXX/17 The request that I submitted included XXXX hard inquiries that were not factual and I received the same response for all inquiries each time disputed which was 'inquiries are factual record of file access. I 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 it 's files. The fact that I received a response in 8, 1, and 4 days respectively, after the receipt of my certified letter, one can assume that there was no investigation conducted pertaining to the matter. I am planning on purchasing a home this year, and with fraudulent information on my credit report such as these inquiries shows financial desperation. I 'm submitting this complaint due to the lack of investigation into my original dispute for inquiries that were not authorized, nor did I sign for.
I missed a payment and got 30 days past due. I Had paid off a previous loan with them so I always paid but honestly fell a little behind during the holiday but communicated this with them ... so they defaulted on my loan and is seeking a judgement and I have tried to settle this debt with them and they will not budge ... .i know other people in that office were way more delinquent but they didn't default on them ... Nor will they return phone calls.
I bought a house in XXXX, refinanced at {$320000.00} with Cardinal Financial in XXXX. Assessed value was {$340000.00}. Made improvements to the house that resulted in a higher value. Cardinal Financial sent out an appraiser on my cost. The appraisal came back at {$400000.00}. Cardinal Financial has in their eligibility criteria a minimum seasoning requirement that is waived if improvements are made resulting in a higher appraisal value. They are now refusing to waive the seasoning with the excuse " How do we know the improvements resulted in the higher appraisal? ''
I have contacted each company to have the inquiries deleted and I was informed to contact the credit bureau and they credit bureaus told me to contact the company. Unsuccessful with both companies and the credit bureaus. I cant seem to catch a break. 

XXXX XXXX XXXX XXXX
I keep getting letters from dept of education stating i took out a loan to a school in arizona i never went to ... .never applied to an never heard of before. I graduated from XXXX.College in 1992 I completed the XXXX programme.this school would not have helped me at all in my career. I have dealt with this issue before as i have had my taxable earnings held back from me before. ..I thought this issue was resolved but now ive lost my tax return again.
We closed our visa card account with Citi Cards on XX/XX/2018. We received a payoff figure from your customer service agent of {$410.00} and closed it that day. We closed it because we didnt want to pay the {$95.00} annual fee, which the customer service rep subtracted from our final payment before closing the account. I spent an hour on the phone resolving this matter However, the next month we were charged again the {$95.00} annual fee, plus interest. Again, I was forced to call your customer service dept to get this reversed, was put on hold multiple times, and spent another 1.3 hours on the phone with your company. I thought we were finally done. 
Still, the emails and phone calls began 28 days later. I called again and thought it was a closed matter. The next month, it began all over again. 

On XX/XX/2018, I called and was put on hold, forwarded to several people and put on hold for a supervisor. Long story short, the supervisor was apologetic and reversed all charges and promised the balance was XXXX. She gave me a reference number of XXXX. 

The emails and daily phone calls have persisted this month and have continued to harass us! 
Please resolve this issue with your accounting department ASAP. 

We will be filing a complaint with the Consumer Protection Agency regarding this matter.
Last year ( XXXX 2016 ) I have borrowed online payday loan ( which is not licensed in my state ) the amount of {$1600.00} and I have paid {$970.00} and I have principle balance {$620.00}. 
I have contacted to XXXX washington that this payday loan ( XXXX XXXX XXXX ) not licensed in state of washington and I do n't have to pay excessive interest ( 480 % ). So I contacted to XXXX XXXX XXXX  that I willing to pay the principle only. But I never reply from XXXX XXXX XXXX. 

But today, I got a phone call from 'BAYSIDE CAPITAL SERVICES ' collection agency. 
They told me that they bought my account from XXXX XXXX XXXX. ** They told me that I owe {$2600.00} as of today and they threatening me they will sue me and they are going to garnish my salary. 
I asked willing to pay the principle {$620.00} but they refuge and they will serve the summons early next week.
I submitted a previous dispute regarding another creditor, but the other party that is involved in this complaint is Lexis Nexis.The reason I am submitting a new complaint is because it involves a third party. This complaint is part of complaint # XXXX. My complaint is against XXXX  and Lexis Nexis. Lexis Nexis is the third party company who sold my information to XXXX, regarding the dismissed chapter XXXX bankruptcy information, that is reporting on my XXXX report. I would like for you to contact XXXX and Lexis Nexis, and conduct an investigation.If this dismissed chapter XXXX bankruptcy information is not removed from my XXXX  credit file, my next step will be to file a complaint with the Illinois State 's Attorney 's Office, and the XXXX XXXX XXXX against Lexis Nexis.
XXXX keep saying they verified this incorrect Bankruptcy information on my file with the courts, when I call the courts they tell me they never verified any information. with the credit reporting agencies.
BLAKELY WITT & ASSOC with an address of XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX states I owe them {$260.00}. I found this out when I looked at my credit report. I do not know what this is for, I do n't know who these people are, and they are reporting negatively on my credit history.
This will be a long tale. To begin with XXXX XXXX had sold several branches in the Midwest to Flagstar Bank. Included with this sale where several accounts opened in said branches. I live in Utah and was not aware of said transfer until the day before ( XX/XX/XXXX ) when I checked my spam email and saw a notice about my XXXX XXXX account from Flagstar ( bank I had never heard of ) after investigating I found out about the transfer and that I was affected by it. The closest branch I can find on the map is 23 hour drive away ( no stops ) I did not want this account that far away because it was my main checking account used for EVERYTHING. So I pulled all the money out of said account and started fixing all my payment accounts. So far I'm left with three that I still had issues with ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX ). I called Flagstar on the first day that they said it was open after the transfer ( XX/XX/XXXX ) and after finding the phone system down I gave them time to get up and running so I called them on the XXXX I couldn't get through before I had to go to work ( 2 hour time zone difference difficult to call during the day ) I called again on the XXXX and got through. ( called again on my way into work ) After discussing that the account was unwanted and I wanted it closed. They stated that I needed to send a letter stating my intent to close the account. I also found out that overdrafts happened because I had purchased lunch on XX/XX/XXXX, and that they wouldn't close the account because I had a negative balance ( {$3.00} ). I decided to wait until I got the monthly statement so I could make sure that I got all charges and such accounted for and I wouldn't be surprised by more reasons to not close the account, but the statement was lost in the holiday rush The next letter I got from Flagstar this month was more overdraft notices. I contacted XXXX XXXX and they have started the refund of payments made. I also contacted XXXX XXXX and they have started their Refund of payments. XXXX is another issue that I'm currently trying to look into. I contacted Flagstar today ( XX/XX/XXXX ) to request that the account be locked so that we could reconcile the account so it could be closed after the refunds where made so that no more surprises accidently went out ( yearly payments I may have forgotten ). I went through a round of people ( 6 people ) trying to get me to pay them the deficit due, each time asking for the account to be frozen until it reconciled only to be told " we don't do that '' before being passed to the next person/department. With the 6th person I started asking why they couldn't and was passed on to yet another person. The last lady tried to answer my questions with vague reasons that didn't define anything. So I asked for the Policy location on the freezing of account so that a layer could find it in the charter. All I was told was " its because its not Fraudulent ''. That said all payments made from XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX, and XXXX XXXX are in the process of being returned per conversations with those companies as of today.
in 2000 I financed XXXX acres and a manufactured home @ 9+ % interest rate. I was informed that after 5 years i could refinance. My mortgage company has changed hands several times, selling my contract to an investment group. I have tried several times to refinance. The investment group will not let me refinance with XXXX. XXXXGreentree/Ditect I feel like the are keeping me from refinacing, my hands are tied!! Please HELP ME!!!
This what I believe to be true and correct. I was out of the country from  XXXX   XXXX ,    2017  to  XXXX   XXXX ,  2017 . When I returned the only documentation I received from my mortgage company dated  XXXX   XXXX ,  2017 , requesting documentation of the income and assets of  XXXX   XXXX  because he was not on the original loan. I mailed this documentation back on  XXXX   XXXX ,  2017 . I also received a later dated  XXXX   XXXX ,  2017 , and  XXXX   XXXX ,  2017 , stating that they received the complaint that was filed on my behalf. I have learned that my property was sold on  XXXX   XXXX ,  2017 , while I still have not received a denial letter from my mortgage company, meaning I thought my paperwork was under review. I have since received a letter from my mortgage company, dated  XXXX   XXXX ,  2017 , reflecting that notification regarding your upcoming payment change per my modification agreement.
On this account I am listed under responsibility as the authorized user. I believe that since I am not personally responsible for this account that it should not appear on my credit report. It has a high balance compared to its credit amount which I believe effects my credit score.
The company XXXX XXXX is trying to collect on a debt that was paid to another company last year. I paid XXXX XXXX XXXX ( XXXX ) last year for the XXXX account. It was removed from XXXX but they are still reporting to XXXX and XXXX.
XXXX XXXX XXXX XXXX keeps changing the status of this account on my credit reports. First they were reporting that this account was included in a bankruptcy ( which I never filed for ). I immediately disputed that information and the bakruptcy was removed. Then the account was showing as a XXXX balance now this month it is reporting from XXXX balance to a balance of {$6600.00}. This information is incorrect. XXXX has finally removed this account off my report. XXXX just changed my report adding this balance from XXXX to XXXX which caused my credit score to go way down. This account has been agreed upon to remove off my credit reports. Every month it keeps changing and XXXX XXXX XXXX XXXX XXXX keeps adding additional information in the comments which is affecting my credit score in a negative way. How can a previous month report as a XXXX balance then this month report a balance of {$6600.00}. This was finally corrected and now were back to square one. I spoke with XXXX XXXX XXXX months ago and this problem was rectified now it 's reporting as I missed a payment that is 30 60 90 days late. This is crazy and I am submitting this complaint about XXXX XXXX XXXX XXXX/XXXX/experian about reporting false information and not fixing my credit report.
DISPUTE WITH-Chase Auto-JPMORGAN CHASE BANK, N.A. 
*AUTO* I had a XXXX  XXXX XXXX and was financed through Chase Bank . 
I had my XXXX  for almost over two years with no missed payments and a few late payments. I was scammed and reported the scam to the police, to all three creditors and all accounts that i thought may have been affected. 

One morning i was leaving out for work and my vehicle was gone. I missed work and pay for a week behind this issue. The first thing i did was call the police thinking it may have been stolen, next i called Chase and indeed Chase came and took the vehicle with no notice or explanation they simply stated that the months payment was not recieved and they can take the vehicle because it is theirs. I disputed with them that all payments are up to date and if you see my credit report i have all green OK 's up to that month. They did not call me, no missed calls, no missed voice messages, no mail through USPS NOTHING just came and got my vehicle. So now they are trying to say i owe them {$9900.00} and you can tell they have done something incorrect because now they took the payment histories off of all of my credit reports. I called them and written them and asked them several times to send me a complete statement, and a break down of all payment histories from the first transaction until the last transaction and they were rude and have not sent anything. I want this {$9900.00} taken off of my credit reports and etc and they are refusing. Please help me with this issue.
I received an XXXX loan from prosper marketplaces. I paid it off in the month of XXXX 2016. In XXXX of 2016 I receive a late payment notice on my credit report. I immediately contacted Prosper and spoke to an XXXX with customer service. XXXX stated that my loan had been paid off and closed but my account was never closed. I was never told an account was opened and never asked for one. XXXX said the account does not generate fees but my credit report shows that the account requires a {$35.00} monthly fee.
We would like to reopen CFPB complaint case XXXX because the representative for mortgage holder XXXX XXXX XXXX : Bayview Loan Service 's response of XXXX XXXX, XXXX XXXX see attachment ) to the original complaint was a lie : ( 1 ) Their representative, XXXX XXXX XXXX XXXX informed us in XXXX of XXXX our title was clear, and that there would be no further issues regarding our permanent modification. 
( 2 ) He wrote in his response to you, which we received a copy of : " Once XXXX XXXX completes the final trial period payment [ which he did XXXX, XXXX XXXX will be mailed a loan modification agreement containing the loan modification terms detailed in the TPP notice as mailed on XXXX XXXX. '' ( see attachment ) ( 3 ) However, we just received an outstanding lien notification from Bayview dated XXXX XXXX ( see attachment ), stating there are XXXX liens in " Exhibit A '' ( see attachment ), and if not satisfied, the loan will be submitted to " modification denial review '' or foreclosure. This was sent after the time period in which our case with the Consumer Financial Protection Bureau was closed, on purpose no doubt. While we have fulfilled all terms of the trial agreement in a timely fashion, Bayview has not fulfilled theirs. No modification paperwork has ever been received. 
XXXX 4 ) Of the XXXX liens submitted to us as " Exhibit A '', XXXX are obviously bogus ( see attachment ) : & gt ; XXXX are from the State XXXX which date to a time when we resided in XXXX State and did not own this property. XXXX dates to XXXX while the other to XXXX. We purchased this property in XXXX. 
& gt ; XXXX are liens on a XXXX XXXX XXXX and a XXXX XXXX XXXX. My name is XXXX XXXX XXXX. Additionally, we do not recognize these XXXX so-called liens as being legitimate in any shape or form. 
XXXX XXXX XXXX XXXX of Bayview lied about our title being clear in the first place, and further, piled bogus liens onto our title. They have a history of playing tricks like this, and apparently are doing the same to us. This link leads to XXXX, XXXXstar reviews of Bayview Loan Services on Consumer Affairs XXXX Those reviews indicate a history of trick-playing stunts like the XXXX Bayview is currently trying to play with us. 
As supporting documentation, I have attached the following : ( 1 ) Bayview Loan Servicing , LLC 's original response to our original complaint, dated XXXX XXXX, XXXX. 
( 2 XXXX Bayview Loan Servicing , LLC 's original proposed modification terms, dated XXXX XXXX, XXXX. 
( 3 XXXX Receipts indicating I fulfilled the modification term requirements, dated, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX, respectively. 
( 4 ) The most recent communication from Bayview Loan Servicing , LLC, which now states there are liens on the property, XXXX of which are definitely fraudulent.
I fell behind on my mortgage when the XXXX went through an economic collapse. I have tried to work things out with my servicer but got no cooperation. I was forced into bankruptcy because the current servicer ShellPoint refused to offer assistant for me to keep my home. I submitted all paperwork for a loan modification to ShellPoint Mortgage earlier this year. I qualified for the program. During that time, ShellPoint pretended not to get the paperwork. After stalling for months, ShellPoint approved some type of trial plan that has mystery terms that they do not disclose. I have been forced to make payments on a trial plan and this servicer has not disclosed the new principal balance and interest rate. I was hoping for a reduced principal balance but I believe that this servicer is discriminating against me because of my XXXX background. To this date, ShellPoint has not given me a chance to save my home.