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.
On XX/XX/2018 a purchase was made on XXXX using my debit card for {$350.00} dollars. I did not make this purchase, so immediately I go to my local bank and cancel my card. Then, I message the seller on XXXX telling them I did not make this purchase, I have cancelled my card, and please do not ship this product out. To my dismay there are several bogus messages to the seller prior to the purchase. Yet I never got a response back from the seller. When I went to my local Arvest Bank they assured me these kind of scam happen often, to file a dispute and in a few weeks I would get my money back. A few weeks after the " purchase '', I got a large envelope from the seller with nothing in it. I report this to my bank. Within this time frame they refund me the {$350.00} dollars. Thinking this situation was all over I throw the package away. Later, I get a statement in the mail saying my dispute was denied and the money would be taken back out of my account. I currently did not have an entire {$350.00} dollars in my account, as I am a XXXX XXXX XXXX XXXX XXXX   with XXXX children. This certainly put me in a lot of financial distress, because my monthly budget is very limited and when they took this money out my account went into a negative balance. I contact Arvest Bank again and file another dispute. As well as contacting XXXX, and XXXX, who flag the transaction as suspicious activity. However, they inform me that it is my institutions responsibility to contact the seller, and solve the issue. After three disputes being denied with the reason being " customer had possession of card '', I have become completely frustrated. Today, on the rare chance that I had a day off from school I decided to tackle the problem and hopefully get it officially resolved so I can start using my bank account again. The Arvest representative tells me my account was closed yesterday, due to insufficient funds! These insufficient funds are due to this money being taken back out! I ask to speak to manager and the manager advises me that once an account is closed there is nothing they can do about it. Mind you I have given Arvest bank all my emails to the seller, from XXXX  stating there is suspicious activity, and been in communication with them about the situation since the fraudulent transaction. Since the account was closed yesterday, they now tell me there is nothing they can do. Never have I filed any bank disputes, why is this process of disputing fraudulent charges so stressful? I thought the purpose of your bank is to protect your money? Arvest bank has failed at this and been incredibly unhelpful, and do not seem to care about finding a solution to this problem. How is it I am expected to pay them {$350.00} I did not spend, after trying to prove to them over and over that this was fraud? Would you pay back {$350.00} dollars you did not spend? I am highly disappointed with the way this bank conducts business.
I sent Transunion a letter on XXXX/XXXX/17 to investigate XXXX # XXXX, a collection agency because I know for a fact that this account should not be on my reports for many reasons, plus, I never done any business with that company. I received a result letter from Transunion stating that the account was verifed. On XXXX/XXXX/2017, I responded to their letter asking them for method of verification since I personally contacted that company reporting that account on my report on XXXX/XXXX/17 and received a response from them on XXXX/XXXX/17 stating that they do not own this alleged debt therefore was unable to validate it. On XXXX/XXXX/2017, I received a result letter from Transunion stating that the account is verified as accurate. I specifically requested on XXXX/XXXX/17 for them to provide me their method of verification, and they bluntly failed to do so, therefore they need to remove this account off my credit report. The credit agency are to report only accurate information on my credit reports, and Transunion keeps failing to do so per law.
My identity was stolen in 2009 and this account, along with a few others, was opened. From what I can see on credit report, the family member who stole my identity was making payments on the account until he was put in jail. I have not benefited from this account nor have I used it. I would like the account removed from my credit bureau report.
My credit card was restricted for no explanation from Wells Fargo, and I need to unblock it.
On XX/XX/18, I spent nearly an hour on the phone with TransUnion trying to get my credit report freeze temporarily lifted so that I could apply for a XXXX credit card. I first tried TransUnion 's web site and was unable to find a link to unfreeze my report. All I could do was order a credit report. So I tried the phone number that XXXX  had on its letter ( XXXX, a number XXXX  said had been specified by TransUnion ), which led to another dead end ( after being forced to listen to ad after ad after ad ) and a disconnect. I tried again. Same thing : long wait then disconnect. So I found another number, XXXX, which, after again being forced to listen to ads, NEVER gave me the option leading to a credit freeze lift. I tried that twice. Finally, I tried XXXX and eventually found a real person. ( I wont even complain about the terrible connection and hard-to-understand accent. ) TransUnion then charged me {$5.00} to temporarily lift the freeze.
I had a stop loss set on XXXX Crypto currency exchange ( Coinbase ). The exchange executed my stop loss transaction, charged me fees for it, but the prices shown on the exchange were never low enough to trigger the stop loss. 

I have a screen shot to show what I'm talking about, filled out a customer support ticket over a month ago. Case # XXXX. Have not heard anything back from customer support, nor is there any ability to check the status of my claim. Please help me investigate how this trading glitch happened, why I was charged fees for it, and help reclaim my lost money in this transaction.
I sent digital currency from one echange to another with the wrong address receiving end.

Sent Bitcoin to a bitcoin cash address from one echange to another. XX/XX/2018. I asked them to help recover those funds and they replied that they are to busy and dont have the resources for that. That your XXXX dollars are lost. I wrote back begging them to help and that i needed the money badly. They said they might get to it but can t guarantee that it will be any time soon. Very vague anwser. Pretty much they dont have customer service but an anwsering service.
Mtg ln was sold from XXXX XXXX to Nationstar Mtg off XX/XX/2016. I requested payoff from XXXX so I would not experience fallout. They sent info back to me via snail mail and I got it on XX/XX/XXXX/letter from XXXX stated that eff XX/XX/XXXX, all pmts must go to Nationstar. I decided to send {$50000.00} a day via bill pay ( electronic file ) the week of XX/XX/2016 to XXXX to pay down the loan of {$220000.00} gradually and reduce daily interest. My Monday XXXX and Tuesday XXXX electronic payments were returned from XXXX so I cancelled the remaining electronic payments scheduled for that week ( additional {$120000.00} ). Called their customer support and was advised there was a 'code ' on my account and no credits could be applied UNTIL AFTER the transfer process from XXXX XXXX was completed - BY XX/XX/2016!! ( where I 'd previously worked, conversions of complete banking institutions were completed over a week-end so as not to affect customers ). So for an entire week, I was unable to reduce my principal. So I opted to send a cashier 's check for {$220000.00}. via certified mail on XX/XX/2016 ( tracking # XXXX ) then once applied to my loan # XXXX, I 'd get a new payoff on the remaining balance of approx {$800.00}. But I decided to wait until after they sent my county taxes that were due no later than XX/XX/2016 from the escrow account. As of today, XX/XX/2016, I confirmed my cashiers check for {$220000.00}. was signed for at Nationstar Mtg the morning of XX/XX/2016 but that payment has not yet been credited to my mortgage. Thus the daily interest on that at 3.50 % of {$21.00} has accrued unjustly these past 2 nights. And the county taxes have not yet been paid - they only have this week to get that done. Calls to customer support on XX/XX/XXXX were met with the response that payments can not be effective dated and it was my responsibility to pay the accrued interest during that timeframe! I know that inability to effective-date payments to be a false statement. And their emails welcoming me to their 'world ' noted that payments due the week of XX/XX/XXXX thru XX/XX/XXXX would be posted with the correct effective date when processing was able to be started ... First complaint is the consumer should NOT be penalized daily accrued interest because their system can not complete conversions of purchased mtg loans for a week.. Second complaint : why have they not yet posted my cashier 's check received by them on XX/XX/XXXX. And when they do, they should be required to effective date the posting so that accrued interest will adjust accordingly. Thirdly - when are they paying my county taxes due by XX/XX/2016 ( Sat ). Having worked in XXXX for over 45 yrs, I 'm perhaps a bit more knowledgable than the norm and when I 'm told that effective-dating payments can not be done then I know they are either misinformed in the customer support or they are gouging customers.. Letter with documentation sent to XXXX XXXX , XXXX on XX/XX/2016 as well. Awaiting response.
On XX/XX/XXXX, I attempted to make a purchase online and I realized I didn't have funds available. I immediately contacted XXXX XXXX  and reported that I didn't authorize any transactions done on my account. They told me they had immediately put a stop on my account and a hold on both pending transactions in the amounts of {$52.00} transaction # XXXX and the second of {$310.00} transaction # XXXX. They told me to call XXXX which was where the pending transactions were from, to put a hold there as well. XXXX did their part and held the transactions. XXXX told me they would refund me my money within 2-5 business days. The days passed and there was no refund so I called XXXX XXXX  and I asked them if they had received the funds and they stated that they had not. I called XXXX once again and they said that they had already placed the funds in my account. I called XXXX XXXX  once again and asked them to send me a new card so that I could see when my funds were going to be deposited since they had canceled the one I still had. When I received the card I saw that XXXX did not send me my funds. I called XXXX and said I hadn't received my funds even though I had already received my new card. They stated I had to speak with their manager and so I did with a translator and he told me I had to file a dispute with XXXX XXXX  in order to receive my funds. By this time 2 months had already passed. XX/XX/XXXX XXXX XXXX said they would send me an email so I that I could file my dispute online, but I never received it. I call them and tell them I had not received the email and they stated they would resend it. I received that one XX/XX/XXXX and fill it out and send it by mail. 15 days later I receive a letter dated XXXX XXXX stating that they have completed their investigation and that my claim was outside of the recovery effort timeline and that I no longer had a right to recovery. 6 days later on XX/XX/XXXX I receive a check from them in the amount of {$5.00} which was my remaining balance. I call them and asked why had they canceled my dispute and they said that there was absolutely nothing they could do for me. They insisted I call XXXX and ask for my funds back. So once again i go ahead and call XXXX and they tell me that they do have my funds, but that they need XXXX XXXX to send them my dispute to refund me my funds. I called XXXX XXXX for the last time and told them what I was told by XXXX and they said they couldn't help me. So now i'm here after this whole run around.
I was sent a letter dated XXXX/XXXX/16 stating I could settle my debt for XXXX % of the balance due if paid by XXXX/XXXX/16. On XXXX/XXXX/16 I submitted a payment for the amount requested. Two weeks later the collection agency, instead of removing the debt from my credit report, updated my credit report to show I now only owed them half of the amount.
I checked my credit report on XXXX XXXX and I noticed an inquiry from XXXX which I don't have an account with them. I called the company and after verifying my information they said that it's truth that I don't have an account with them. They told me to report this online to consumer finance so they can remove it from my credit reports.
I made XX/XX/XXXX and XX/XX/XXXX payments on the Nationstar ( Mr. Cooper ) website.

The website showed XX/XX/XXXX payment was due XX/XX/XXXX and would be considered late on XX/XX/XXXX. It also showed XX/XX/XXXX payment was due XX/XX/XXXX and would be considered late XX/XX/XXXX. I made XX/XX/XXXX payment on XX/XX/XXXX and XX/XX/XXXX payment on XX/XX/XXXX. This is clearly within the dates give and not late. Please see the attached pictures of the website showing these dates. 
BUT, my payment was marked late. I was charged fees and negative statements were sent to the Credit Agencies.
My loan was transferred from XXXX XXXX XXXX XXXX to Nelnet. Nelnet says this happened in XX/XX/XXXX, SC student loans says the last info sent was in XX/XX/XXXX. I paid off the entire balance to Nelnet in the amount of XXXX on XX/XX/XXXX, & because I paid the loan after XXXX on XX/XX/XXXX, I also had to make payment for the next days interest which was less than XXXX cent. ( I will have to pull bank statement to determine exact amount of interest paid with the second transaction ). Almost 3 months after the payoff, Nelnet sent me a statement on this account stating I still owed {$60.00}. I called immediately since this was already paid off. Nelnet told me at that time that it was the last payment still owed, as they did n't take last payment with the transaction. I was sent to a supervisor who told me the same. I argued that because I was sent a statement that it was paid in full. I was getting so frustrated that we had to end the conversation before it got nasty. I called back a few weeks later hoping to get somewhere with them before the due date of the payment they claim I still owe. At that time, I was told that XXXX XXXX XXXX XXXX ( XXXX ) had sent a statement of fees still owed on the loan to them & that it was NOT the last payment withheld from payoff as I was told before. I asked for information to contact XXXX about this because I was n't aware of any fees. I called XXXX who says they have n't sent anything to Nelnet since XX/XX/XXXX. Something sounds very suspicious and I want to know where this balance came from because I feel this is bogus charges & they ca n't seem to get their story straight about where the balance came from. If I owe, and they can prove the charges legitimate, I will pay. However, I do not have money to just give away for some bogus charges they came up with and ca n't explain how they got there. They have had me going around in circles from Nelnet to XXXX and I 'm not getting a straight answer from Nelnet. **I ca n't put my hands on the paid in full receipt because we have alot of stuff boxed up to move, but the attached file is a statement sent in XX/XX/XXXX that I owe {$60.00} & states the amount I paid off and the date it was paid off. I have bank statements and I hope Nelnet will still have a copy of the phone conversation on XX/XX/XXXX when I spoke to a representative to give my checking account information to pay off the loan. When I unpack at our new home, I will gladly send in the paid in full receipt.
I do not have a loan with United Auto Credit, however, Employee of United Auto Credit utilized company systems to skip trace and gather private/sensitive information on me and family member for personal harassment. UAC did not notify me that my information had been searched, once they completed their investigation, I was not notified of what information had been accessed.
On XX/XX/18 both my mortgage lender and I attempted to get XXXX XXXX to notify the credit bureaus that my collection account balance of {$390.00} had been paid in full on XX/XX/18 and/or supply a verification letter in order for the lender to attempt to notify the bureaus that the debt had been paid to increase my credit score so I could close on my home. The numerous times that XXXX had been contacted we were given conflicting information as to if or when the credit bureaus would be notified. They refused to supply my lender and me anything in writing to indicate that the debt had been paid ; with the last conversation ending in the bureaus could possibly be notified sometime this month or next month.
I had called Citibank on XXXX/XXXX/XXXX around noon time. A Citibank representative had help me upgrade my account and get the promotion of {$400.00}. I had confirmed the Citibank representative that i am able to get the promotion if i upgrade my account to Citigold and and maintain {$50000.00} for 30 days. Therefore, i transferred money from my XXXX account to Citibank. I had kept more then {$50000.00} in my account for more than 30 days. After half year i had not receive the promotion credit so i called Citibank on XXXX XXXX, half year since i join promotion. The Citibank representative first told me that my account do not have any promotion note on it. I explained to him that i upgraded my account because of the promotion. after he checked my account he told me that it is still in process. i will received my promotion at the end of XXXX XXXX. Since i still do not receive the promotion, i called on early XXXX XXXX, the Citibank representative told me that i am qualified for the promotion but she do not know why i do not received the promotion. She said she will send my case to the back office and i will receive the back office respond in around 10 business days. I had received the note from Citibank back office and their response is i am not qualified because my account is not open within the promotion time. I called on XXXX XXXX XXXX the Citibank representative told me that i am not qualified because the checking account is not a new open account. i told her that when i upgrade my account to get the promotion, the representative told me i will qualifies for the promotion. Since she i not willing to honor the promotion, i asked to speak to her manager. She put her manager on the phone and the manager said because the promotion is only for new customer and i am a existing customer therefore i am not qualified for the promotion. I told her that if that is the case the your representative should told me at the beginning so i do not need to upgrade my account. then she said she was sorry about to hear that but there is nothing she can do to honor the promotion. I told her that is Citibank mistake, Citibank is responsible for the mistake you made. she just repay that she can not honor the promotion. 


Below is the Citiback Pomotion : Earn a {$400.00} Cash Bonus* What drives you drives us. Start a new Citigold ( R ) relationship today.Or visit a Citibank branch, or call XXXX and mention code XXXX. Earn a {$400.00} Cash Bonus Open a new consumer Checking Account in The Citigold Account Package by XXXX/XXXX/XXXX. Make an eligible deposit of {$50000.00} or more in new-to-Citibank ( R ) funds into your new Checking or new or existing Savings Plus account within 30 days after account opening. Maintain a minimum of {$50000.00} for the next 30 days to receive your bonus. * It 's that simple. The cash bonus will be credited to your new checking account within 90 days from the end of the month in which you complete all offer requirements.
This account has been settled and now has a zero balance. The loan company still has not updated my credit report and is still showing that the loan is in a defaulted status.