WillisBack/dataset-financial-user-claim huggingface dataset:
Please accept this final written offer of settlement before litigation as my attempts to resolve Transunion, XXXX XXXX XXXX XXXX willful violation of the Fair Credit Reporting Act regarding their refusal to delete all of the UNVERIFIED account information from my consumer file. I have disputed these accounts a few times within the last past 2 years and requested proof of the " verified '' information from all three companies. Despite my request, the unverified items listed below still remain on my credit report in violation of Federal Law and North Carolina 's statute of limitations which states " Section 1-52.1 of the North Carolina Rules of Civil Procedure explains the statute of limitations for debts is 3 years for auto and installment loans, promissory notes, and credit cards. '' In the results of their re-investigations, they stated in writing that they " verified '' that the items are being reported " correctly ''. They still have not identified who in their company verified the accuracy of these accounts or how they verified them. According to Black 's Law Dictionary, 6th Edition 1990 defines " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath or deposition. Affidavit of Truth of a matter of states and object of verification is to assure good faith in averments or statements of a party. What this means is that their company must be willing and able to produce a document that proves the account in dispute belongs to me and the information being reported is accurate and they must be able to do this in a court of law. Someone in these companies must authenticate the documents in their files that were used to verify the disputed accounts and to do this they must have first hand knowledge of the alleged account and all that has ever transpired for the alleged account, under oath and under the penalty of perjury. Their failure to provide me with verifiable proof required for their company to post the accounts listed below is evidence that it does not exist and therefore is proof that they can not properly " Verify '' the accuracy of the disputed accounts. After each verified result, the balance on the suppose account was updated on my credit report. Which mean the information may be inaccurate as well. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRAXXXX THEY ARE REQUIRED TO " promptly DELETE all information which can not be verified and/or inaccurate. Due to their continued willful disregard of the law I intent to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to Under Section 616 and Section 617 if the UNVERIFIED items listed below is not deleted within 10 days. The law is very clear as to civil liability and the remedy available to me ( Section 616 and Section 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in the matter to enforce my rights under FCRA. In order to avoid legal action, I demand that they delete the UNVERIFIED accounts immediately and provide me with a formal notice of the updated and corrected accounts.
I have a mortgage loan with citimortgage and I succesfully negotiated a loan modification with them back on XX/XX/2017. Prior to the negotiation I started making payments of {$650.00} on XX/XX/17 and always made my mortgage payment ontime to the account number they told me to. 
However after Citibank processed the loan modification paperwork, they changed account numbers and my payments were not being processed. I received a refund for my mortgage payment 30 days later but I never got the new account number to send the payment to. Without knowing why they returned my payment, I went ahead and send them the payment again and it was returned again. I finally heard from them and they instructed me to start sending payments to a new account number. During that process Citimortgage received my payments but because of their system changes, I was showing late one month on the new account. I ended up sending them the additional payment they requested but my account showed late in all credit reports.
Portfolio Recovery Associates are reporting to XXXX - ( a major credit reporting agency ) that my XXXX accounts ( reported with XXXX ) XXXX XXXX - opened XX/XX/XXXX. Also another account XXXX XXXX - opened XX/XX/XXXX are stated as such on my XXXX credit report : " consumer disputes after resolution '' this is a flat out lie. I requested over 72 hours ago that they remove the statement They complied and did just so, within 72 hours. The Dispute notation be REMOVED and portfolio recovery sent XXXX a request to do so, My credit report showed the dispute notation removed and now, as of Today, MOnday, XX/XX/XXXX PORTFOLIO RECOVERY ASSOCIATES LLC. had XXXX put the ongoing persistent dispute statements back on these XXXX accounts. Portfolio recovery associates is holding my credit report hostage to ongoing dispute notations. They are liars who lie to people and are full of trickery. they blatantly told me on the phone this is no longer in dispute status. Why are they still requesting these XXXX accounts with XXXX as 'CONSUMER DIPSUTES AFTER RESOLUTION ' THIS IS A FALSE INACCURATE DISPUTE REMARK. I AM NO LONGER DISPUTING THIS ACCOUNT. PORTFOLIO RECOVERY ASSOCIATES IS HOLDING MY CREDIT REPORT HOSTAGE TO THESE XXXX ONGOING DISPUTE NOTATIONS. gthese remarks need to be removed immediately. They are keeping me from getting my home loan.
I have a Citi Dividend credit card with Citi Bank that offers 1 % cash back on all purchases and 4 % cash back each quarter on select purchases. From XX/XX/XXXX through XX/XX/XXXX, Citi Bank offered 5 % cash back on airlines  and hotels and resorts in the XXXX portfolio. I made a purchase at a XXXX XXXX XXXX XXXX in XXXX, FL that posted to my credit card on XX/XX/XXXX. I received 1 % cash back on this purchase but not the 4 % cash back offered during this quarter. I waited to see if the 4 % cash back would show on my XX/XX/XXXX and XX/XX/XXXX statements but it did not. I only received the 1 % cash back on this purchase, which reflected on my XX/XX/XXXX statement.
On XX/XX/XXXX at XXXX XXXX I called Citi Bank to inquire about the 4 % cash back on my purchase. I spoke to a Citi Bank representative and then a Citi Bank manager who stated that I had to sign-up for the 5 % cash back offer 2 days prior to my purchase to receive the additional 4 % cash back. The manager stated that I signed-up for the offer a few days after my purchase ; therefore, my purchase did not qualify for the additional 4 % cash back. I looked for this information on the Citi Bank website and I could not locate anything that supported what I was told. 

I called back at XXXX XXXX to gain an understanding of the sign-up process to receive the 5 % cash back. I spoke to a Citi Bank representative who stated that in order for me to receive cash back I had to activate the promotional offer first and once activated it would not go into effect until the next business day. I asked the Citi Bank representative where this information is found on the website and he stated he was not sure. The Citi Bank representative also stated that the 5 % cash back would not show on my statement until the quarter ended. However, based on my previous experience the bonus cash offer shows up on the closing statement of the purchase. 

This is not the first instance where Citi Bank has provided unclear terms and conditions. During XX/XX/XXXX through XX/XX/XXXX, Citi Bank offered 5 % cash back at Home Depot and home and garden stores. I made a large purchase at XXXX during this quarter and did not receive the additional 4 % cash back. When I called Citi Bank, one of its representatives told me that XXXX was not classified as a home and garden store and that Citi Bank does not determine how merchants are classified. However, Citi Bank states on its website that it does reserve the right to determine which purchases qualify for this offer and that merchants are generally classified based upon the merchant 's primary line of business. In addition, Citi Bank does not provide a way for its customers to verify a merchants classification prior to making a purchase. 

Citi Bank does not provide clear terms and conditions that a reasonable consumer can understand on its bonus cash offers. These practices are unfair and deceptive to customers. I would like to receive the 4 % bonus cash back that is due to me. In addition I would like the CFPB to require Citi Bank to provide clear terms and conditions on its website to consumers on its 5 % cash back offer.
My card was charged of XXXX to XXXX XXXX and I do n't have an account with them my card number XXXX XXXX
I called two months ago and requested that my due payment day will be the same day as another barclay card which is on XX/XX/XXXX. Barclay failed change the day and as a result I have two late payment fees. XXXX in customer service told me that I am lying and that I never called.
I was contacted by American Medical Collection Agency ( AMCA ). AMCA violated the Fair Debt Collection Practices Act in several ways. AMCA did not give me notice of my right to dispute the debt. AMCA did not give me enough information to verify the debt. AMCA refused to provide me with the address of the original claimant when I requested it. I would request that the CFPB take any and all measures against AMCA based on their violation of the Fair Debt Collection Practices Act.
Spoke to a Equifax CSR on XX/XX/XXXX was told that a paid state tax lien and a paid judgement were eligible to be deleted and that it would take 48-72 hours for my report to be updated. This was not a dispute just a call to see when they might be removed. A week later they are still on my report. I called today XX/XX/XXXX and they claimed that they did n't have record of the call. I asked to speak to the supervisors boss. I waited about an hour for her to come on line explained to her what happened and asked her to review the taped conversation. She said they will be will not give me any feed back. I asked for a call back and I was told that I would not receive one. I attempted to email senior executive and email was returned. I would like information removed, I was told it would be removed, there are no laws that state it must stay on my report Thank you!!
We are behind on our mortgage with carrington mortgage service because of following what  XXXX  told us to do when we were doing  s  modification with  XXXX  (  XXXX  had told us not to make a payment while they were doing the modification ) during that time our home was hit by a major hail storm.   Insurance put carrington & is on the insurance check.   Carrington has our funds that we need to fix our home & will not release them.   We have done everything that they want us to do, but every time when we 've done that they change the rules.   Currently we are trying to get our home painted. Did everything they asked but now carrington is telling us that we have to hire a licensed contractor to paint it.   No painting company is licensed! & by telling us to hire a contractor that is licensed the painter will be a sub & it will add thousands to the cost, that carrington say we will have to pay!   I believe what they 're doing is no different than what  XXXX  did!   By forcing us to pay thousands extra we ca n't catch up on our mortgage!   They are doing this to hundreds possibly thousands of people! Forcing them to go into foreclosure
I inquired with Shellpoint Morgage ( Loan # XXXX - Property address XXXX XXXX XXXX, XXXX, TX XXXX ) on XX/XX/XXXX about removing my PMI. They told me I needed to fill out a form to request the removal and might require an appraisal if it is only 80 % LTV. They also told me it is automatically removed at 78 %. I never received the form and since I was close ( XX/XX/XXXX/XX/XX/XXXX ) to the 78 % LTV, I decided the cost of paying it down was about the same as the cost of the appraisal, I'd just wait until I paid the loan to 78 % LTV. 

I inquired in XX/XX/XXXX with Shellpoint about removing the PMI from my loan a 2nd time. I also made a request online, see attached The person I spoke with said they would not remove the PMI, even though the loan was now below a 78 % LTV. He said that since my property was non-owner occupied that the LTV requirements to remove PMI are lower. This is contrary to what I was told previously. My current loan amount is {$100000.00} ( see attached ). They are showing per my Shellpoint online account info. my LTV at 74.34 %. Please assist me in getting my PMI removed from my loan. Thank YOU!!!
On XXXX I Contacted a rep on Bank of American regarding a hold on XXXX bank accounts I have with Bank of America. I and my attorney, XXXX XXXX of XXXX XXXX XXXX requested a copy of the Levy, but the Legal Department Representative would not give us a name, phone number of any documentation verifying the validity of this Levy. I told the company Rep that the Personal Bank Account they levied is a bank account that deposited XXXX Income for myself, and the Levy was listed against my XXXX business. The bank Rep refused to let me speak to the Legal Department. I spoke the Rep and stated that this was XXXX XXXX protected form a LEVY. Bank of America is also charging my overdraft fees on this account.
I received a XXXX day late notice on my credit that was reported by US Bank. I disputed with XXXX and XXXX but was told the credit was validated. I was sent to collections for a balance of {$2.00} from an overdraft protection charge from my reserve line credit account. First of all I paid my reserve line in full in XXXX of XXXX and requested it to be closed. I was then charged a {$5.00} overdraft protection fee in XXXX XXXX. Based on their Deposit Account Agreement I had the option to authorize an " opt in '' from my reserve line for overdraft protection but never approved or authorized US Bank to draft from my reserve line for my checking account. The {$5.00} fee was taken from my reserve line and applied as an overdraft fee for my checking account. I included all documentation to show the transactions. I never received any calls of the fee nor emailed or mailed statements. US Bank took the fee out of my account without authorization and ended up crediting back my account the balance and late fees in XXXX of XXXX ... XXXX years since I requested it to be closed. US Bank is also unwilling to correct my credit score as they said the XXXX notice ws valid ... they did remove the XXXX day notice. US Bank has been unwilling to work with me to get this corrected and I feel they reported incorrect info to the credit agencies even after I pointed out their error. Their intentional deception of credit reporting has damaged my credit history and thus would not allow me to qualify for a home loan. I was also told that US Bank could have provided a coutesy removal of late notices but did not contact them in time ... US Bank is deceptive in the credit practices and has taken steps to harm me since this was reported to the CFPB. I also contacted the president of US Bank but XXXX XXXX was unwilling to protect the customer and is willing to allow his company to conduct deceptive and harmful collection and credit practices.
There was a tax lien on my credit report. It should not have been there. I filed with the IRS to have it removed. They did remove it on XXXX XXXX, 2016. I also filed a dispute with Experian. They found in my favor and removed the report from my credit report. I checked my credit report today, 33 days after the paperwork was filed, and my credit score has not improved. I called Experian at XXXX. I was told that the main number from their website was the wrong number -- their department ca n't handle this. The representative then transferred me to their Membership department. I was told that Experian does n't have any control over my credit score!!! I said that is plainly ridiculous, as this is what their business does. I was then transferred to a " supervisor '' named XXXX who also said he had no control over it, and my report simply needed to be " refreshed '' by the Dispute department. XXXX in the Dispute department said that his department did not handle this, the Membership department does. I was irate, and explained that I had been transferred and put on hold for an hour and a half. I demanded to speak to someone in management who could help me. XXXX said he 'd transfer me and the number that he transferred me to had a " this number is no longer in service '' recording and then disconnected me. I must emphasize that I was not verbally abusive in any way -- I was direct and calm. I was patient. My ordeal ended at XXXX with no one taking responsibility. My request is simple : I was told that the lien was negative and lowering my score, I went to a great deal of trouble to have it removed. My score should improve. Period.
I was late on my loan and was 30 days late 1 time and because they couldn't contact me on the phone they defaulted my loan to an attorneys office..The problem I have with that is I paid off my account once and renewed this loan and always have made my payments ... ..I tried to make a payment to bring this account up to date and they told me it was referred to an attorneys office for one 35 day late and they keep reporting negatively to my credit and they don't have my account nor do I have a court date
Chase Bank holds the first loan on my owner occupied home. Their loan payments are due on the XXXX of the month and late by the XXXX, if the payment is not received to their " special collection '' location in XXXX, Ohio. My loan payment can not be paid at any Chase Bank in California, in fact they have a branch less than XXXX mile from my home. 

My problem is that Chase, who knows well in advance, exactly what my next month 's payment should be, does not even produce the loan statement with the payment coupon enclosed, until the XXXX of the month. Chase then mails it in a bulk zip code format without a postmark & it does not usually arrive at my home until the XXXX-XXXX of the month. 

I am therefore required to send my monthly payment to XXXX, OH by USPS 2-day priority mail or by XXXX 2 day delivery at an additional cost of {$20.00}. 

I believe that Chase should send my monthly payment statement well before the XXXX of the month so I have 15 days to make my payment without the fear of a late charge and the negative effect it will have on my credit score. 

Question, Is there a code section that you can refer me to either Federal or CA that states how many days prior, to first day of each month, that I should receive my monthly payment statement with the coupon enclosed, so that I have at least 15 calendar days to make my mortgage payment? 

Thank you very much
i sent them a certified letter XX/XX/2018 requesting validation. I let them know by law they had 30 days to respond or show me a contract bearing my signature. Not only did they not respond but they marked only one bureau with a dispute mark while they are reporting to two bureaus.
My credit report shows that i have multiple credit inquires which i never inquired about. I called the companies and they dont have any idea on how my credit was pulled. 


1. Syncb/XXXX - XX/XX/XXXX 2. XXXX - XX/XX/XXXX 3. XXXX - XX/XX/XXXX 4. XXXX - XX/XX/XXXX 5. Syncb - XX/XX/XXXX 6. XXXX XXXX - XX/XX/XXXX these are the hard inquires that were pulled from my credit report that i never gave permission to do so.
My mortgage loan was sold to Pennymac Loan Services 5 years ago due to my total loan amount being less than {$50.00}, XXXX. They have been harassing me by calling me every single day, several times a day! Recently they have been charging me a {$15.00} monthly fee to " have someone drive by my home to make sure I still reside here ''. ( Pennymac is based in XXXX XXXX, CA and I live in Oregon, so they claim to have hired someone local to drive by ; I have never been personally contacted by this alleged person ) I have called them in the past to inform them of my hardship situation, but they have told me after speaking to them that this information I provided will NOT stop the phone calls and it has not! Therefore, I see no point in speaking to them since it makes no difference whatsoever.
EQUIFAX sends XXXX XXXX the followng correspondences - maybe considered " fraud '' that violates consumer rights : 1. On XXXX XXXX, XXXX from Equifax Information Services LLC ( attached, XXXX ). Subject of Letter : " XXXX XXXX 's call re Fraud Alert, '' 2. and XXXX XXXX, XXXX from Equifax Security Freeze/Equifax Information Services LLC , advising of a subsequent " security freeze '' on consumer 's Equifax credit file. ( attached, scan XXXX ). 

PROBLEM is - XXXX XXXX NEVER made a CALL to EQUIFAX! Not sure what Equifax is UP to ... BUT these XXXX FACTS could be a backdrop to these correspondences : 1. Equifax Settlement Services was acquired by XXXX XXXX XXXX in XXXX XXXX - from EQUIFAX Inc. [ XXXX ]. Essentially - XXXX XXXX XXXX 's direct link to Equifax..XXXX who is the subject of our Mortgage Fraud Complaint with CFPB. See item XXXX below. 

2. XXXX XXXX XXXX is the subject of our Mortgage Fraud case with CFPB - CaseXXXX, lodged XX/XX/XXXX. Purported servicer making an illegal attempt to " steal our residential home in broad daylight. '' No proven LEGAL Rights to foreclose ... and ALLEGED DEBT most recently proven to be NON-Existent! See XXXX XXXX Results XX/XX/XXXX ( Exhibit XXXX from referenced CFPB file : XXXX XXXX XXXX account was DELETED from XXXX XXXX 's XXXX Credit file. ) Consumer is sending correspondence to EQUIFAX by regular mail re this DISPUTE. Given the urgency of our personal situation however - XXXX making illegal attempts to foreclose against our home next week - XXXX XXXX, XXXX - we thought it proper to lodge this Complaint with CFPB for possible investigation vis-a-vis CFPB case against XXXX XXXX XXXX ( CFPB XXXX ). THANK YOU.
A background check revealed criminal behavior, expired drivers license ( misdemeanor ), that is over 7 years old. Yes, I was guilty as I had my hands FULL due to a death in the family, but it should be removed from the record due to its date of occurance. According to the FCRA, information like this should be REMOVED after 7 years, but it's not!
My name is XXXX XXXX, and I have recent close on a property XXXX XXXX XXXX XXXX. A few month after moving into the property, I recieved a debt collecting letter from XXXX XXXX from Straley and Otto ( legal assistance ) that I owed past due amount XXXX $ XXXX XXXX $ for XXXX 2015 and XXXX $ attorney fee ). I contact XXXX XXXX and provided proofs that I have made all payment on time. Soon after acknowledging that I have made all payment, she continue to ask if I paid the continuing month ( XX/XX/XXXX because it is due, and it not related to the debt, and yes I have been paying on time. She then ask you have to paid attorney fee because she sent me the letter XXXX XXXX Which got me by surprise, I think I 'm being harass and bullying through these type of behavior, though their vision is to help and support the need of compliance citizen. I have emails exchange between me and XXXX and comp if needed
XX/XX/XXXX I requested XXXX loans, XXXX for {$4000.00} and XXXX for {$2600.00} ( total {$6200.00} ), to attend XXXX XXXX XXXX in XXXX, WY. I graduated XX/XX/XXXX. 

Over the next several years I paid my loan to XXXX XXXX intermittently at best. I took forbearance 's and deferment 's as much as I could, paying when I could. I now work in the railroad industry, and work has been on and off over the years, as were my payments. Over the last several years my payments have been on time. I have paid over {$12000.00} since XX/XX/XXXX ; I do not have records of the payments I made over the 10 years before that. 
At this point I have paid over double the amount borrowed. At the current rate should I continue my current payment plan will end up paying approximately six times the amount borrowed. XXXX XXXX and now Navient have raised my payments over the years. I had got them at one point to lower my payments only to have the raise again recently to over XXXX dollars a month.