WillisBack/dataset-financial-user-claim huggingface dataset:
NOTICE OF PENDING LITIGATION SEEKING RELIEF & MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file.Despite my three previous requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated that you " verified '' that these items are being " reported correctly ''? You still have not identified WHO in your COMPANY VERIFIED the accuracy of these accounts or HOW they verified them? I 've yet to have received a SIGNED contract between me and the alleged company. As previously pointed out to you, XXXX Law Dictionary, XXXX Edition, 1990, defines " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party '' .At this time your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this this they must have 1st hand knowledge of the alleged account ( s ) and all that has transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you ca n't properly " Verify '' the accuracy of any of the disputed accounts. 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. Due to your continued willful disregard of the law I intend 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 Section617 if the UNVERIFIED items listed below are not deleted within 10 days. A copy of this complaint along with the three others will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. 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 the Federal Law. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I demand that you delete all the unverified accounts listed below immediately & provide me with a copy of updated and corrected credit report showing that these items have been deleted
I have relentlessly tried to remove a fraud alert on my account that was put on in error and incorrectly by XXXX, TransUnion and XXXX for over two weeks now. I previously had fraud alerts removed from the other two agencies, TransUnion and XXXX  and a freeze added to all because I was able to manage them online. I went through series of questions trying to confirm incorrect information in their system, verified my identity but still nothing. I can't even get a copy of my credit report sent to me because they refuse to update my contact information. I have no idea where it would go. I find it ironic that someone else can give them information about my credit file and they add it without question, but I'm told that I can't correct my own information without sending in proof even though they can verify me over the phone. XXXX refused to remove my fraud alert without me mailing utility statements, copies of my ID, SSN and other endless documents. I refused to mail them that information, especially since there have been so many breeches involving them. I don't want to add to it. I found out while attempting to apply for credit that the 7 year fraud alert was added to my profile by XXXX but it did not properly include the phone number for the merchant to verify that it was me applying. They still refused to remove the alert even though they realize that it did not have a number associated with it. Then on XX/XX/XXXX, they must have refreshed the fraud alert because I received notification that it was added again by XXXX and was extended to the other two bureaus. So today I had to start over again contacting them all again and fight to have the information removed. So now I'm playing this game of being required to send them endless documents in an attempt to get them to correct the problem and it is taking them days to correct. I am not able to apply for credit with this problem.
in 1998 we put our home in our sons name due to health problem. we knew he took a mortgage on it. we have lived in our home 31 years. when we saw it in the paper it had been foreclosed on we immediately went to our banker, got a loan approved had our insurance lined up. everything was ready all our banker needed was to know how much money to send and who to send it to. that is when the nightmare started. we couldn not get them to send us a pay off amount. Our banker and the closing lawyer was constantly sending emails and calling try to get it. once they sent XXXX it was only good till the next day. our banker told them he had to have 48 hours to finish the paper work and write the check. The next payoff they send was out of date when we received it. While we were trying our best to pay them their money they had the foreclosure sale now they are sueing to evict us from our home. We have plenty of documentation showing how hard we all worked trying to save our home. They would not cooperate with us at all. The closing attorney that was helping us was checking the paper work he could get his hands on said said there was a glitch in the deed. The deed they took the mortgage on has our physical address on it but the land description does not include the land our home is on I do not think they have the right to take our home we have owned for over 30 years
XXXX can not be verified properly. The company that hired this company, XXXX, should have billed my insurance company and failed to do so. My insurance company paid for the emergency room visit. The failure of XXXX to get paid is their own doing. 
The Date Opened on my credit report is listed as XXXX, which is incorrect. The date opened according to FCRA should be XX/XX/XXXX. Thus, this should be removed from my credit report according to the FCRA. 
Lastly, I never received a bill from XXXX XXXX or XXXX. Per my discussion with them in XX/XX/XXXX after viewing my credit report, they asked me for an address because they did not have one on file. They admitted they were mailing to an XXXX address. However, I was a resident in XXXX the entire time in question. 

The attached documents clearly show that the hospital was paid. Therefore, if the ambulance company had done its proper due diligence, they could have been paid as well. Thus, XXXX did not perform proper due diligence to verify the legitimacy of this debt.
I opened up a CitiGold checking account back in XXXX 2015 using a promotion code ( XXXX ) that would give me XXXX XXXX miles once I 've made at least {$750.00} in debit card purchases within 60 days of account opening. I opened this account via phone, and confirmed with the respresentative that I am qualified for this promotion and the account was opened with this promotion code. I completed the requirements and never received my XXXX XXXX miles.
ConvergentUS did not address my previous compliant. this compliant is being sent in response to a listing on my credit report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act,  XXXX  5 USC 1692g Sec. 809 ( 8 )  This is NOT a request for verification or proof of my mailing address, but a request for  VALIDATION  made pursuant to the above named  Title and Section. I respectfully request your offi ces provide me with competent evidence that I have any legal obligation to pay you.     . Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request in a timely manner. all of the references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
On XX/XX/2018, I attempted to make a {$300.00} cash deposit at the PNC Bank ATM on XXXX XXXX, XXXX, SC. The ATM was down for maintenance, and the branch office was already closed. As I have an automatic draft that is submitted on the XXXX of each month, I was attempting to make this deposit to cover this check. As the PNC owned ATM was down for maintenance, I went to the next closest ATM, a XXXX XXXX ATM up the street, as the next closest PNC Owned ATM is in XXXX, NC. The cash deposit showed up into my account as a pending deposit. This deposit did not clear until XX/XX/2018, resulting in two overdraft charges of {$36.00} each, a {$3.00} ATM usage fee, a {$3.00} Balance Inquiry Fee and a {$7.00} continuous overdraft fee. I have filed a complaint with PNC Bank on, and I was informed by their Money Management department that the fees were correctly charged to my account since I chose to use a non-PNC owned ATM to make my deposit, and my claim was denied.
I had received a XXXX in XX/XX/XXXX from a collection account from Synchrony Bank/Gap and I filed it with my XX/XX/XXXX taxes. I had then called the company on XX/XX/XXXX to see if I can pay it off so my balance would be at XXXX and I would have no past due so my credit score would raise. When I called I was told that the loan was forgiven and that I did not have to pay it anymore. So I asked the gentlemen what do I do now? He told me to file a dispute with all three credit reporting agencies and state that the loan was " forgiven ''. On XX/XX/XXXX I had filed the dispute the all three credit reporting agencies and stated that I was told to do so by the creditor. 
On XX/XX/XXXX, XXXX contacted me and told me that disputed information was updated and that a change has been made on my credit report. The balance due and past due amount was now zero and the pay status and remarks now said that the account was paid in full. 
Then on XX/XX/XXXX I received an alert from XXXX stating that a account on my report had changed. When I called on Monday, XX/XX/XXXX I was told that Synchrony bank had updated my account again to show a balance and past due amount. XXXX  told me to call the company because they should not be reporting that since they had updated the account on XX/XX/XXXX. 
When I called Synchrony bank and spoke to a representative they told me that they had no knowledge of the account being changed to begin with. They told me again that the account was forgiven and that there was nothing I can do. They also told me that XXXX  was lying and they never updated the account to show a zero  balance and a zero past due. They did say that they did update it with an account forgiven. When I asked them why did XXXX  tell me that they are not allowed to update my credit report that only the creditor can do that they told me that XXXX was lying. 
I called XXXX right away and they sent me the original updated information from Synchrony to use in this dispute.
I used Prospect Mortgage in XXXX Alabama on a residential home purchase. I had a contract on a home contingent on sale of mine. I had to close on my house by the XXXX of XXXX, in order to accept contract for sale. Me and my real estate agent both told the loan officer at Prospect what our deadline was, they said they could meet it, and we sent them information to begin the process on XXXX XXXX. 

The closing date comes, and Prospect has n't funded my loan. This is after they confirmed to us we were good to close. Then they come back and say the closing attorney is n't approved. So the attorney fills out paperwork and submits it. Then they say that can take up to several days. 

The XXXX, still no closing. The XXXX, no closing, so I emailed their consumer advocate. This seemed to get the ball rolling, although I never sensed any sort of urgency on their part. We closed on tuesday, the XXXX. 

Because of the missed closing date, I had to rent XXXX storage units and move XXXX, once to storage and from storage to my new house. I had to stay in a motel for XXXX nights. I had to throw away food I had no way to keep since storage units do n't have electricity for refrigeration. I lost time away from work. The loan officer said to keep a record and submit my expenses for reimbursement. 

I did submit almost XXXX dollars worth. Never during the process did the branch manager call me to apologize, or give me any indication that he was even concerned or involved. The processor that did my loan was fired, and the loan officer resigned, because they ca n't seem to meet closing dates. The branch manager, XXXX, refuses to reimburse me. He did n't even apologize except through email after his manager brought it to his attention. 

He has lied to me in every dealing with him, and there is an almost identical complaint about XXXX and the local branch on the consumer affairs page. My agent says her mortgage guy could have closed me in 3 weeks, I went 40 days with prospect. I have done XXXX mortgages, never ever had XXXX this bad.We were told multiple times we were good to close through this process, only to be delayed again and again.
I SENT A DEBT VALIDATION LETTER TO THIS COMPANY AND ASKED THEM TO VALIDATE THE ACCOUNT. I ASKED THEM TO SEND ME DOCUMENTATION WITH MY SIGNATURE THAT SAYS I AM INDEED THE PERSON RESPONSIBLE FOR PAYING THIS DEBT. THEY SENT ME A LETTER BACK SAYING THEY ARE UNABLE TO VERIFY THE ACCOUNT. ALL THEY SENT ME WAS A BILL STATING THE ACCOUNT IS VERIFIED BUT THEY DID NOT PROVIDE ME WITH ANY PROF THAT I OPENED IT SO PLEASE REMOVE FROM MY CREDIT REPORT
I have attempted numerous occasion in contacting Equifax concerning illegal use of my social to obtain a loan on  X/XX/2016.    XXXX   XXXX  l inquired  XXXX  on that date. I was actual online looking for a car loan when a pop up appear stated you had been pre qualified when a company I never heard of with my name pre polulated in the fields with my address. I began backing out of it and computer froze. I was basically hacked with virus on computer. Had to get fixed which took couple of weeks. When I was able to check my credit I shown multiple inquiries contacted a rep whom informed me to contact the company in which I asked them how they got my information some of the companies did not have any information and several banks said from online submisssion in which I did not authorize or gave permission. I had to get police report which I have fax multiple times showing a victim up fraud. These multiple inquiries is effecting my opportunity for a job. I have done my part and requesting and providing the necessary documentation.
In XX/XX/2016 I was contacted by phone by a representative of R.S. Clark and associates. This representative notified me that they were attempting to collect a debt that I originally owed to XXXX XXXX XXXX XXXX. The representative explained in great detail that R.S. Clark and Associates was in possession of a contract that I signed with XXXX XXXX XXXX XXXX that included an agreement to pay a debt of over three thousand dollars. I assumed the representative was providing accurate information and agreed to begin making payments but I also asked to be given a copy of the contract as I had no recollection of ever signing such a contract. The representative agreed to call me back after she found the contract. I called R.S. Clark and Associates the following week to follow up and was notified by the same representative that, despite their claim of possessing the contractual agreement between myself and XXXX XXXX XXXX XXXX, she wasn't able to find the contract. I immediately cancelled future payments to R.S. Clark and Associates and have spoken to representatives on several occasions explaining that I've never seen the contractual agreement they claimed the debt was based on and to this day the company 's representatives refuse to address the false information they gave me in their attempt to collect the debt. I've disputed the debt with the company on several occasions and requested evidence that the debt belongs to me, the company responded by sending a print out of a list of financial charges with my name typed at the bottom. Since then I've been notified by representatives that the debt has been reported to the credit bureau.
I am a XXXX and have been for 28 years. I have a client who is selling her condo and we just learned that the mortgage company - Citi Mortgage has GROSSLY overcharged my client. I got an amortization schedule yesterday showing after 9 1/2 years the principal balance should be {$210000.00}. Her balance on this loan now, according to Citi Mortgage, after paying on time for 9 and a half years is still $ XXXX. The original loan amount was {$260000.00}. I am not a wizard, but with a 4.125 % loan - fixed for 30 years, there is no way her balance should be {$250000.00}. PLEASE do something to help investigate this as my client stands the risk of being sued now because she is $ XXXX short to close the escrow. We have had to extend escrow now so we can try to resolve this issue, but I called Citi Mortgage 3 times today and was just told to send in the info to " Research. '' The supervisor, XXXX, that I spoke to whose ID # is XXXX, would not give me any help and simply told me to send whatever I had into research where I fear the file will just go in the trash as it is clear no one there is willing or anxious to help investigate this matter. She did modify the loan in 2014 and got a higher interest rate ( which is the figure the lender based the amortization schedule on, but it somehow reduced her payment by about {$100.00} a month. She did not make the payment for 7 months during that process as instructed and so it was added onto the back end, but not {$38000.00}!! Something has gone wrong and we desperately need someone with authority to make this lender accountable. 
Here name is XXXX XXXX. WE, many people involved, would greatly appreciate any help you could offer. Thanks in advance for looking into this matter. It is extremely important that we get something done and FAST as we are quickly running out of time. 
Sincerely, XXXX
I submitted written requests to verify the accuracy of 4 accounts listed on my credit report. Specifically, to provide original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ).

I have filed 5 requests with 45 days in between to allow for processing Starting in XX/XX/XXXX and was never provided the documentation requested.

I then called today (XX/XX/XXXX ) and spoke to three different people who verified the do not have the required documentation but also do not plan on doing anything about this as required under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
equifax has incorrect information on my credit report i have tried to dispute it on line XXXX times it has let me go all the way through the whole dispute process and when i submit it it says online dispute is unavailable and gives me an online dispute form to submit i fill it out and submit the dispute form and equifax never acknowledges it. I also fax from XXXX a dispute and they never acknowledge it. i have been a victim of identity theft and possibly a merged file. They have a XXXX XXXX account on there that does not belong to me, i have disputed it on XXXX occasions with an FTC report, There is also incorrect dates from XXXX i did not even have a bill with them until XX/XX/XXXX, i have never paid them late. they have late payments from XX/XX/XXXX i didnt have a DTE account in XXXX i called XXXX they said they dont show ANY late payments. i have asked for verification have not received it. I am no longer an authorized user on the XXXX XXXX. That relationship was terminated months ago.
TransUnion has a wrong name XXXX XXXX XXXX listed and several collection items which are listed which are unknown. I have requested several times these things be removed and nothing has transpired. Please help
There is a collection item from a collection agency called XXXX XXXX XXXX XXXX in the amount of XXXX only on my XXXX credit report. It just started showing up, I have never heard of them and have taken out a payday loan. I tried to dispute it with XXXX and XXXX XXXX, XXXX said they contacted the company and was told it was valid without receiving any type of contract or documentation to verify it, they just took their word. When I contacted XXXX they have no record of the account and told me to file a dispute with XXXX! And XXXX is telling me to contact plaza so I keep getting the run around for a debt that does not belong to me but is hurting my credit.
The student loan was opened XX/XX/XXXX in question was put in forbearance/sold to another DOE Servicer and I was told at the time of applying for the forbearance, " don't worry about the late, that the system will catch up and back date the late ( s ) and an update to the credit bureaus, would be made ... just give it some time ''. The account has been showing 120 days past due on both Equifax and XXXX  since XXXX and I cant seem to get the Servicer to communicate or resolve satisfactorily. I have disputed numerous times. I have been working for nearly 4 years to get this resolved to no avail.
Transunion reports a past due account as follows : XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$180.00} Date Updated :XX/XX/XXXX Original Amount : {$180.00} Original Creditor : XXXX ( Cable/Cellular ) Past Due : > $ XXXX< Pay Status : >In Collection< Remarks : > I have reported to Transunion that I do not recognize this firm, account, or amount at all and that it must be mistaken or fraudulen.I have never been contacted by this firm to my knowledge. Transunion has declined to take any action or even to acknowledge my dispute