WillisBack/dataset-financial-user-claim huggingface dataset:
On  XXXX   XXXX , I wrote to  XXXX   XXXX   ( with a copy to Equifax ) a  second time to have them report my loan information to Equifax. They have been reporting to both  XXXX  and  XXXX . This is positive information which would help to increase my Equifax score if it were to be reported.     Neither  XXXX  nor Equifax ever responded to my dispute and now four months later, the problem still exists. I am shortly applying for a large commercial loan and my terms will be negatively impacted if my Equifax score remains significantly below my  XXXX  scores from  XXXX  and  XXXX .
On XXXX XXXX XXXX 2016 I lost my purse. Someone got a hold of my wallet and took money from my account. The amount was {$1900.00} and the bank does not want to give me the money back. I sent in a police report and they are still denying me.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND 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 UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I will be entitled to under Section 616 and Section 617 if the  UNVERIFIED debt with XXXX XXXX XXXX with a balance of XXXX with file # XXXX if this account is not deleted from your file. 

I`m making this complaint through the Federal Trade Commission so it can be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

To my knowledge, I never done business with your XXXX XXXX XXXX and I have no legal binding contract with this company. Per FCRA, I`m demanding this XXXX XXXX XXXX provide me an original documentation ( a consumer contract with my signature on it, showing I have an agreement with XXXX XXXX XXXX as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

Now that you have violated the FCRA, because I have no contract with XXXX XXXX XXXX. I will be entitled to XXXX per occurrence of each violation. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if XXXX XXXX XXXX with a balance of XXXX is not deleted immediately from your file. 

This unverified item will be in violation of Federal Law once you report it to my credit report. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct.
This complaint is in response to Wells Fargo response to complaint # XXXX and XXXX signed by XXXX XXXX on XX/XX/2018 I have reviewed all of the documents I received from the dealership. I was never given a copy of my credit application. 

I would like both of you, XXXX XXXX XXXX and Wells Fargo Dealer Services to send me the credit applications you each hold so I might compare them.
I recently became aware that my father was the victim of an online dating scam. We have so far uncovered {$60000.00} in losses, and Im sure there will be more discovered as we dig further. He was using Money Grams to send cash, and the vast majority of these were purchased at the same XXXX in Ohio. He was sometimes sending multiple money grams in the same day, and he would also send them several days in a row. I find it hard to believe that none of the employees recognized this pattern or thought it was odd behavior, yet it continued to happen for a year. In fact, he was in the store so often that he knows the employees by name. I currently have 138 receipts, totaling {$59000.00} and counting - way too many to attach here. And a bigger concern for me is this who knows who he was truly sending money to? These people claim to be young women on a dating site, but no one can know for sure. Was this money going to a XXXX scammer or to someone much worse? This is terrifying to think about. While it makes me sick to think about how someone took advantage of my father in this way, I also want to take whatever steps I can to ensure this doesnt happen to someone else. Are there steps in place to educate these employees on what to look for? How can they intervene? Can they notify authorities of unusual behavior? They should have to take some sort of responsibility as well. Scammers are becoming more advanced, and there need to be some safeguards in place to protect those that are getting taken advantage of. In my opinion, the employees that were sending these 130+ money grams need to be one line of defense. I appreciate your time, and I sincerely hope you can look into this matter further and stop this from happening to someone else.
I used XXXX through my online bank M & T to make a transfer to an individual to purchase a handbag on XX/XX/18. The individual states she never received the funds and I as well never received my handbag. I have been given a USPS tracking that shows no package was received by the post office. I have communicated with this individual and still receive the same information. I contacted M & T and was informed that the individual received the funds and nothing can be done.
I have repeatedly requested method validation of a bankruptcy reference XXXX reporting on my credit report and the agency refuses to comply. US Bankruptcy courts do not verify cases. And as of the new law effective XXXX XXXX, 2017 any public record reporting on a credit file must contain name, address, SSN and DOB. The bankruptcy record does not include this information and per the new law should be deleted.
XXXX   XXXX   - I overdrafted on my checking account, so I called Fifth Third and signed up for overdraft protection on my account that was connected to my Fifth Third credit card.
<P/>   XXXX   XXXX   - I overdrafted on my checking once more and was charged an overdraft fee, so I called and they said I never signed up for overdraft protection, so they signed me up for it once more.
<P/>   XXXX   XXXX   - The same thing happened. I was charged with an overdraft fee once more, so they set me up with overdraft protection again. I then filed a complaint with the CFPB. They reply letter from Fifth Third lied and said that I denied overdraft protection from the bank.
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  XXXX   XXXX   - Again, I was charged an overdraft fee. I called, they said there was an error with signing me up so they had to set me up with overdraft protection again.
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  XXXX   XXXX   XXXX   - I once more was charged for overdraft fees and I called and they again said there was an error setting up my overdraft protection and they said there is nothing they can do for me because they do n't have anything on file of me signing up for overdraft protection.
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This has gone on for well before last  XXXX . Fifth Third has constantly charged me with erroneous fees that they ca n't explain and I 'm stuck paying for them. I will be switching banks in the next few months once I close my business, but I want these errors and constant fees to be reimbursed. Whether its ignorance on their part or straight up trying to get away with charging fees when they should n't, I should n't have to pay for their issues.
There was a voice mail on my phone ( ending in XXXX ). The message stated the call was from a debt collector. I asked my wife to return the call and advise them I was out of town. My wife called XXXX XXXX at NES of Ohio and advised I was out of town. XXXX XXXX said she would note the account as such. The next day there were messages on my parents voice mail stating " This is a call from NES of Ohio this is a debt collector please return the call to XXXX XXXX at XXXX Ext XXXX '' she did not mention my name at all on the message. My Dad called her back and got one of the other agents who immediately started grilling him as to my whereabouts. He advised them to not call his home any more and they continue to call twice per day every day for a week now. Then XXXX XXXX started calling my kids phone ending in XXXX and leaving messages that this is a debt collector. She then started calling my Aunt and Uncle and again leaving messages stating the call is from a debt collector. There is never a mention of any name on the messages so of course people will call them back to see what it 's about and at that time she will state my name ( so now ALL these people know the call is from a debt collector plus my name is mentioned so my privacy is now violated ). Then they start being aggressive to find me. My wife called NES again and an agent said " I 'm sorry you must be mistaken the only number we have on file is XXXX ''. So obviously XXXX XXXX is using some sort of cross reference to find everyone with my last name in the area that I live. Now I got a call from my previous employer stating that a debt collector is looking for me and gave me XXXX XXXX number. I do n't think this is legal to be discussing my personal situation with people other than myself. And when my wife tried to get information they told her " we ca n't talk to you '' BUT YOU TALK TO ALL OF MY RELATIVES??? Each and every one of these people XXXX XXXX called has asked her not to call again and yet she repeatedly calls them several times a day. It is XXXX XXXX herself that makes the calls its not a computerized call.
On my report there are two inquires that were not authorized by me and are fraudulent. I contacted the company 's XXXX and XXXX by phone and was told to dispute with Equifax. Disputed it and got a response back that I needed to have the company call Equifax and remove it. Called XXXX and XXXX and they still can not find anything to use to show Equifax to remove. I am being told they need proof for Equifax and since no information pulls up for my social security number or name they wo n't call. But I have to fax them information to show it is there. Been dealing with this for two weeks I am wasting my time to do the work the companies should be doing. There needs to be a better option in place to remove fraud inquires of reports. The inquiry was done on XXXX/XXXX/XXXX. I started this on XXXX/XXXX/XXXX to have it removed today is XXXX/XXXX/XXXX. I feel like I am now stuck with fraud on my report and I should not have to be.Spoke with supervisor at Equifax and will be sending my complaint to corporate.
I have been trying to get through to Capital One to make a transfer to an external account. I was able to get to a screen asking for my mobile phone number as a part of a two step identity process. I put it in and received an error because my phone is registered to my husband instead of me. When I called, I waited on hold nearly 15 minutes only to be told this process would take over a week for test deposits to go through and then I could access my money. 

No one has money deposited into an account if they are going to be unable to access it in a timely manner. I am frustrated with the lack of concern I have received regarding this.
I submitted a dispute to Equifax Online dispute concerning several inquiries on my credit report I noticed when I checked it through their website. These inquiries were not authorized by me and I am confident the bureau does not have any documentation illustrating my signed authorization to have access to my credit report. I asked them to remove them and within 24 hours they responded stating that the information was correct. I have attached a copy of their response. The inquiries I disputed are not authorized and I would like them removed.
Specialized Loan Servicing ( SLS ) acq uired my loan sometime prior to  XXXX . Also, during the acquisition period, an insurance check was issued to me and the loan servicer for a roof replacement made well befor e SLS ac quired the loan. SLS did not endorse the check and return to me, rather they credited it automatically, without consulting me, to mortgage payments. When I learned of the credit towards the mortgage payments, I accepted it and noted that  the next 4 payments were paid in advance. During that 4 month period, SLS determined that they did not have the right to apply the funds to mortga ge payments and reversed the payments ( thus immediately creating a default ) and then placed the funds in an escrow account. I was then sued for foreclosure. I tried to contact  counsel for SLS wh o refused to provide a workout or application for workout. In  XXXX   XXXX  I received notice of foreclosure sale having never had the opportunity to apply for modification nor did they provide me with the $  XXXX  which  SLS was   holding. My attorney got involved and I received a modification package. My attorney also provided me with an email that accidentally included an internal email between SLS and their counsel stating that they had already set the sale, would deny my application when received and go forward with the foreclosure sale. In other words, they had no intention of processing the modification package. When it was brought to SLS ' attention, they asked that the email be destroyed and they provided me with a modification. When I asked about my $  XXXX  the  SLS r epresentative said that I would get it back after paying 6 months of mortgage payments. I objected but they refused to return me the money. Further, my mortgage is now over {$200000.00} because of fees, costs, unpaid interest, etc. that they tacked onto the back end of the mortgage. My original mortgage in  XXXX  was for {$120000.00}. It was refinanced once and was approximately $  XXXX  at the time this issue began with SLS. I paid 6 months of mortgage and have spent the past 5 years trying to get my $  XXXX  back. I sent emails on the SLS site, I spoke with representatives and finally at the beginning of this year, I was told that they would not return my money without an attorney. I told them to apply it to my mortgage payments. They refused and now they are returning the mortgage payments I am making monthly. I expect that I will be receiving a foreclosure suit at any time.   I have also learned of others who have SLS mortgages that went into foreclosure, that were not provided a mortgage modification package until days before the foreclosure sale and lost their homes because SLS did not process the modification package in time.   I did not delete the email and still have the email string containing the discussion about automatically denying the application when received and that a foreclosure sale date was set before ever providing me with the modification package.
I opened a XXXX and leased a credit card machine the business was n't doing well and had to be closed. I was told that if I returned the equipment everything would be fine so I did. I was never told that I would be responsible for paying for the equipment even though it was returned to the merchant. The company first data has this account on my credit report and it 's affecting my ability to get a mortgage. Please help me remove this account from my credit report.
I applied for an Amazon credit card ( Chase Bank ). I have good credit ( credit score of XXXX on the day I applied ). This score is better than others who have obtained this card, according to my reseach. I have a screen shot of this score if you would like to see it. I have low utilization of credit and I pay all my bills on time. I was denied the credit only because I obtained bankrupcy 8 years ago. It is illegal to deny someone credit on the based of a status such as bankrupcy : "  Federal law provides express prohibitions against discriminatory treatment of debtors by both governmental units and private employers. 

A governmental unit or private employer may not discriminate against a person solely because the person was a debtor, was insolvent before or during the case, or has not paid a debt that was discharged in the case. 

I would like Chase Bank investigated for discrimination. The reference # of the letter I received is # XXXX. Thank you!
Evidence of payments being made from a XXXX XXXX XXXX account include : XXXX XXXX XXXX- Payment amount {$350.00} from XXXX XXXX XXXX XXXX XXXX- Payment amount {$420.00} from XXXX XXXX ( Account 1 ( XX/XX/XXXX-XX/XX/XXXX ) - Payment amount {$280.00} from XXXX XXXX ( Account 2 ( XX/XX/XXXX ) - Payment amount {$700.00} from XXXX XXXX XXXX XXXX XXXX  ( initial payment XX/XX/XXXX for {$1100.00} check # XXXX from XXXX  ) All accounts paid as agreed.
On XX/XX/2018, I called back Navient to try and work out a payment plan on my Private student loan. I spoke with XXXX, who became frustrated that I could not make the payment they were asking for with {$180.00}, due to bills and my income. I asked if there's any way to forebear or defer, to which she said no. I asked if I can make payments of {$50.00} or what I could afford and not default she refused and got snippy then sent me over to a supervisor. XXXX gets on the phone and is immediately hostile. I explain to her the same thing with bills, my income and the financial work up, she states that they will just send me litigation and have the government garnish 25 % me then I won't be able to pay my bills. I ask her if I re-enroll in school will I get a deferment, she gets angry and says she is going to mark me as refusal to pay and hangs up the phone on me.
I sent a dispute to Portfolio Recovery Associates and they never sent me valid proof per the FDCPA. Also, when I disputed this account, it came back verified with the credit bureaus. But how can it come back verified when the account number on XXXX is XXXX but then XXXX and XXXX XXXX XXXX. Also, how can a collection account have a payment status of 120 days late when there is no payment history per METRO 2 standards.
Since XXXX 2016 my loan servicer, Great Lakes, is delaying the acknowledgment of my loan payment by 3 - 5 days causing the addition of more interest to accrue on the account. I called in XX/XX/XXXX and XX/XX/XXXX to address the issue noting that for the last 5+ years prior payments we acknowledged the next day, to no resolution.
I opened a secured credit card account with capital one with {$3000.00} of which they pulled from my checking account. They used XXXX Bank as an automatic clearinghouse. They open and closed the account numerous times for what they considered fraudulent activity. I myself along with a representative from the IRS numerous times faxed over and validated all the information they needed, they then would reopen the account let me use it for another three months and then close it again. I continually pay my bill over and over again to the cost of over {$18000.00} in just six months. They then close the account permanently even though I had overpaid the account by an additional {$800.00} owing me at that {$3800.00}. The supervisors told my bank that they would have this money back to me and apologize for any inconvenience that they have caused. I have yet to see anything and when I called to follow up they said I would have to wait and they 're going to take it up there Board of Supervisors and get back to me. My checking account is ironically with capital one 360. Which used to be ING direct the capital one has purchased and I guess is rolling over into just Capital One Bank eventually. This will be a sad day the Capital One is able to conduct even more business on any bank in level. I am also able to obtain affidavits from XXXX Bank as well as Capital One 360.
Police report made regarding XXXX XXXX XXXX also in correspondance with XXXX XXXX. Fraudulent reporting. Needs to be removed from all 3 credit bureaus.
On XX/XX/2018 I notified my branch Capital One Bank XXXX XXXX XXXX XXXX NY, XXXX ) that on Monday XX/XX/XXXX I would be making a deposit of {$6500.00} in wrapped coins. I have multiple accounts with said bank, but this was for my business account ( XXXX XXXX XXXX XXXX ) I was told not to bring the deposit until we get approval from the Branch Manager! I was extremely upset and told them that banking regulations are strictly monitored and they can not refuse to take a deposit from me.They were well aware I owned a XXXX XXXX and would seldom deposit WRAPPED coins, th y said it would not be a problem. I read my contract I signed upon opening th account and nowhere in the contract did it state there was a limit to what I could deposit, Cash or Wrapped coins neiether one.

Eventually bank manager called me and said we dont have room to store that amount that I would have to make multiple deposits on different days/weeks. This is ludicrous and nonsense, they are now  allowed to make there own rules when it comes to deposits and so on. I am still sitting on every dollar in my house and think its unsafe to have that amount of monet sitting around because my bank thinks they can make there own rules when it comes to banking.
Portfolio Recovery Associates has entered a fraudulent record of judgement onto my credit bureau reports. They have no such judgement against me. This has affected my credit score and the items presence on my report is currently delaying a pending loan application.
On XXXX/XXXX/XXXX I submitted an initial dispute to TransUnion requesting an investigation be done on the following accounts. 
XXXX XXXX {$6600.00} XXXX XXXX {$5600.00} XXXX XXXX {$5600.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX  XXXX {$5000.00XXXX XXXX XXXXXXXX {$9600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5500.00} On XXXX/XXXX/XXXX they sent a response that they would not re-investigate the account unless relevant information. I submitted another dispute letter on XXXX/XXXX/XXXX requesting their method of verification and on XXXX/XXXX/XXXX they submitted the same response refusing to re-investigate the account. The information that is reporting is inaccurate and they refuse to remove this inaccurate information from my report. I know they did not properly investigate these accounts yet they keep stating they did. They have not provided me with how they verified the account, who they spoke with, any documentation they have on file pertaining to these accounts. NOTHING. It is so frustrating that they refuse to properly do their jobs and are purposely disregarding the law. I have sent repeatable letters for them to re-verify the accounts as they are showing duplicated on my credit report as of XXXX/XXXX/XXXX. TransUnion keeps sending me that they have verified the information if they have verified the accounts would not still be showing on my account as duplicates.
In my private student loan there are multiple issues. 
1 ) I have a student loan with Navient and I have reason to believe that they are doubling on my rates to keep me behind in my loan. I requested the original loan documents on XXXX of XXXX, XXXX of XXXX, XXXX XXXX and just recently XXXX XXXX XXXX. I have yet to receive any documents for the specific account I am talking about. 

2 ) I believe they have changed the initial interest rate and are charging an excessive amount of late fees while approving a forbearance and allowing me to not pay down on my loan while it accrues interest. 

3 ) How can I have different " loan accounts '' for the same school achieving the same degree? Shouldnt this allowed to be consolidated into one loan that I can pay for instead of several different loans with a minimum payment of XXXX dollars. There is no way to get out of that type of financial debt unless I was making hundreds of thousands of dollars per year. 

Lastly, a cosigner, XXXX XXXX was never a cosigner. Trying to obtain the original loan documents was the reason to prove she was not a cosigner and I have been unsuccessful in doing so for several months. 
I have reason to believe Navient is exercising unfair practices to get me to pay for loans that were designed to be impossible to pay off. In one of the documents they state they have " updated the terms of my loan ''. I will get this messge about every quarter, is it normal for a company to change the terms of an agreement whenever they want? It seems very suspicious.