WillisBack/dataset-financial-user-claim huggingface dataset:
Enclosed is a copy of the lawsuit that I filed against you in XXXX court on XX/XX/2018. Currently, the Pretrial Conference is scheduled. 

The lawsuit was filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. 

Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization. 

Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed. 

You may contact me before court via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file. 

I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation. 

I have already won a similar lawsuit. Enclosed is a copy of that settlement. If you accept the same terms as XXXX  did, then I will dismiss my lawsuit against you and you will not need to appear in XXXX, New York. 

The items to be removed from my credit report are listed as follows : XXXX XXXX
I refinanced my mortgage and there are additional cost added to my bill that BSI financial want explain what they are. I was told that my attorney would explain it to me.
This company reported very little information to XXXX, so I had no idea what this collection was about, this has intentionally hurt my credit score and  attempts to dispute this was ignored by the collection agency. I called and talked with XXXX  XX/XX/2019 and they informed me the company was XXXX XXXX XXXX for XXXX XXXX. I paid XXXX XXXX directly. Not only does the collection agency not provide information to the consumer on the credit report, but they are also reporting this as an open account in retaliation.
I bought a home from GMAC it was a foreclosure property, IT WAS NEVER DISCLOSED that the property had mineral rights, its almost impossible to get a chain of rights. The bank has that information because they mortgaged it originally with the rights, at the sale and on the deed they made an exception to oil and gas. Since it was never disclosed that their was mineral rights I did not object. If I was informed of the fact I would have paid more or not purchased the property. NON DISCLOSURE FORM MATERIAL GAIN. I am a senior and feel very taken advantage of!!!
I sent a XXXX XXXX XXXX a creditor 's validation letter to inform me about the collection they have in their office under my name. Accordingly to the FDCPA they had 30 days to respond back to me but they fail to do so. They were supposed to contact TransUnion Credit Reporting Agency in order to remove the debt from my credit report. Below are the documents I sent and the tracking Information.
I used the Western Union app on my IPhone to send {$600.00} from my credit card to my sister 's bank account. The first time I tried to complete the transaction, the app told me that it could not be completed at that time and to try again later. I did and the transaction went through. I was later emailed and told XXXX transactions went throught. I was able to get the second {$600.00} back from my sister, but not the fees. I called their customer service and was told by a floor manager that I could get a refund of {$25.00} by mail and was given a reference number. Later, they emailed me again and said they could n't refund the monty. I have tried a dozen times now to get them to return my fee.
I received a letter that Bank of America made a decision and closed my account on XX/XX/2018 I attempted to call and ask why and was told me it was a business decision after transferring me from risk department to customer service, they hanged up on me twice. According to the letter, my balance which was over {$5600.00} was supposed to be refunded to me in 10 business days. I received another letter stating that my balance will not be refunded to me. I went into their branch in XXXX XXXX and was told that they have no idea and not responsible for the note. They called their so called risk department for me and i was told that my balance will not be returned to me and refused to tell me why. I work hard for that money and it is unfair and unheard of that my balance should not be returned to me. Please help.
I NOTICED THAT HUNTER WARFEILD PUT A COLLECTION ON MY CREDIT DUE TO A BALANCE REPORTED TO THEM BY XXXX XXXX XXXX IN XXXX NORTH CAROLINA. I CONTACTED THE APARTMENT COMPLEX AND ASK THEM WHY THEY WOULD REPORT A COLLECTION IF IVE NEVER LIVED THERE THEY QUICKLY APOLOGIZED AFTER I SHOWED MY POLICE REPORT TO PROVE I WAS A VICTIM OF IDENTITY THEFT. THEY TOLD ME UNFORTUNATELY ONCE THE COLLECTION HAS IT THERE NOTHING MORE THEY CAN DO AND INSTRUCTED ME TO CALL HUNTER WARFEILD. HUNTER WARFEILD SAID THEY DIDNT CARE THAT I DIDNT STAY THERE SOMEONE & THAT SOMEONE ELSE DONE IT IN MY NAME AND THAT I STILL I HAD TO PAY. THAT IS SIMPLY AGAINST THE LAW THIS ACCOUNT WILL BE REMOVED BECAUSE NEVER LIVED IN THOSE APARTMENTS. I ALSO WANT ALL OF MY POINT BACK FROM THE DROP I RECEIVED DUE TO THIS ERROR. AND I HAVE A POLICE REPORT TO PROVED MY IDENTITY WAS STOLEN A 6 MONTHS BEFORE XXXX XXXX XXXX  STATED THE LEASE WAS SIGNED.
I am a single mother of XXXX. I work full-time and I'm in school studying to be a XXXX XXXX. I'm hoping to be certified by the end of the year. I am struggling with my mortgage payments. I am 4 months behind and I'm concerned I'm going to lose my home.
XXXX  My credit report dropped10 points and they claim there is no change to my report in there own words this is a report to credit karma XXXX  I have there report stating this on XX/XX/2018. This is wrong to do this to people. I do have a dispute with XXXX with the XXXX  at this time is this a comeback on me for disputing them .I feel they play games with consumers
SETERUS, INC. CROOKED SERVICER ON MY MORTGAGE. WHILE I HAVE NO PROBLEM PAYING A LATE FEE BUT I AM NOT PAY FOR WHATEVER CHARGES THEY CONTINUE TO PUT IN THE MISCELLANEOUS COLUMN. NOW THEY WANT TO CHARGE ATTORNEY FEES FOR WHAT? WHEN DOES SOMEONE INVESTIGATE THIS COMPANY? 
I WAS XXXX IN XX/XX/2018 FROM A CHAPTER XXXX, THIS COMPANY CONTINUES TO CHARGE PROPERTY APPRAISAL MONTHLY, NOW THEY START CHARGING ATTORNEY FEES. FIRST OFF I DO NOT OWE THEM NOTHING BUT MY MORTGAGE. THEY CONTINUE TO TAKE MY MORTGAGE TAKING ALL THEIR ERRONEOUS FEES FIRST WHILE THEN THEY SAY MY MORTGAGE IS LATE. I AM SICK AND TIRED OF THIS! THIS COMPANY IS A ONE STAR RATING WITH MANY COMPLAINTS! NOW THEY ARE PUTTING MY ACCOUNT BACK IN THE RED RITE AFTER I GOT ALL THIS XXXX CLEARED. I AM NOT PAYING ANYMORE LEGAL FEES FOR THESE CROOKED THIEVES. I HAD A CLEAN ACCOUNT AS OF XXXX, BANK STATEMENTS AND A XXXX FOR THEM TO THREATEN ME IN XXXX FOR SOME DOCUMENT I COULD NOT FILE AND MY ATTORNEY SAID THE CASE WAS XXXX BUT SETERUS INC THREATENED TO ACCELERATE MY LOAN IF I DID NOT PAY THEM {$2000.00} FOR WHAT? WHO IS GOING TO LOOK INTO THESE PEOPLE AND THEIR FRAUDULENT ACTIONS AGAINST SOMEONE JUST TRYING TO PAY A MORTGAGE? I OWED NOTHING IN XXXX AND XX/XX/2018 NOW THEY KEEP ADDING ATTORNEY FEES, I PAY MY MORTGAGE THEY TAKE ALL THESE FEES THEN MORTGAGE IS LATE? I WANT THIS STOPPED
Re : Citi Prepaid I had switched cell phone carriers from XXXX XXXX XXXX to XXXX with one of their promotions of being awarded a {$350.00} pre-paid card upon switching and maintaining an account with XXXX. As of today 's date my account has remained with XXXX, and I have not received the said prepaid reward card. 
After speaking with a representative from a local XXXX store, they provided a number to call to inquire about the missing card, which led to another phone number to a representative from Citi-Prepaid. After completing the identity verification questions the representative confirmed that I had met the conditions to receive the prepaid Visa card, and that a Visa prepaid card in the amount of {$350.00} was issued XXXX XXXX, expired XXXX XXXX and that the card was never activated or used. I advised the representative that I did not activate the card due to I had not received the card that was sent. I asked if a new card could be issued and I was advised that due to the card being expired, he is unable to reissue a new card.
According to the Fair Credit Reporting Act, Equifax is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report. Equifax needs to verify through the physical verification of the original signed consumer contract on all accounts they are reporting on my credit report. 

I have sent Equifax three letters starting in XXXX asking them to provide proof of the debt they are reporting. I requested Equifax to provide a copy of ANY original documentation ( a consumer contract with my wet ink signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Equifax have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). They told me they have "  asked '' the alleged creditor to validate the debt, instead of having a copy of the original creditors documentation on file to verify that this information is mine and is correct. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

With each account that has been reported due to their neglect on having physical verification of the original signed consumer contract, has personally and financially harmed this consumer in obtaining credit through financial institutions. I am asking for a XXXX dollar settlement for each account that Equifax has reported in error and for Equifax to take immediate action in removing all items from my credit report where they can not verify through the physical verification of the original signed consumer contract.
With College expenses and sick children and job loss, our original loan was with XXXX XXXX pic a payment. So we were able to request a Loan Modification.in XX/XX/XXXXOur payments were XXXX a month and the 2nd Mortgage, we did a loan modification with.. Wells Fargo , and they agreed to a loan Modification : of XXXX a month so things were manageable. When Wells Fargo took over, XXXX XXXX, pic a payment,, ( XX/XX/XXXX ) they started every few months increasing the loan modification amount ... XXXX here and there ... ..both on the 1st and second mortgage. Now ... .our 1st Mortgage is XXXX and the second is XXXX a month ... .and we can not afford paying this. They also sent letters saying because of assessment changes escrow, we also had to pay more money on some years..XXXX, and added that to our mortgage payment making it even more expensive ... .each month : XXXX. I called several times, and told them we had job loss, sick kids, college expenses, and asked them twice to do a loan modification and we filled out all of the paperwork for loan modification, and all the paperwork they sent to fill out which we did, was filled with forclusure options ... ..so upsetting .... with Wells Fargo and twice we were rejected. We continued to struggle, each month. 
I contacted them many times and faxed letters, asking to forgive the late fees, of XXXX per month if the payment is not made on the XXXX of each month. So far we have made payments every month but it usually is paid after the XXXX of the month, so we owe at least XXXX or more in late fees. They said, they will not refund. I told them the original loan modification amount is what we agreed to and that they are not supposed to increase our mortgage montly payment from XXXX to XXXX for the first and the 2nd, XXXX to XXXX .. ... they did anyway, knowing we could not afford it. I told them I talked with a Non Profit ... .loan modification company, they said, Wells Fargo legally should not be allowed to increase our Mortgage payment from the original XXXX on 1st mortg. and XXXX for 2nd Mortg. Please help.
I have been talking to a man for over a month that I met through XXXX. He lives XXXX I live XXXX. He is businessman opening up XXXX. He had to take a trip XXXX to purchase merchandise for his grand opening. He was to stop back XXXX to meet up for the first time. On the last day of his trip, he was attacked by armed men and missed his flight. He was in desperate need of {$650.00} to rebook his flight home. In previous conversation, I had asked him about siblings and parents and he is an only child with XXXX parents deceased. He started calling at XXXX and finally got hold of me by XXXX. I stupidly agreed to send him {$300.00} to help him out. I have never been outside the US so I have no idea how any of this works. He had me send this money XXXX ( whom he said was a ticket agent there in the airport ). He also tried getting me to send him the additional {$350.00} XXXX, thankfully there was a hold up and I got my money back from that transaction. I have done further research on this person who claims to be XXXX ( i have texted, emailed and spoken to him on phone ) he has a cell phone XXXX ( claims he used to work there XXXX - the number is XXXX XXXX. He has also called me several times from the following international number - XXXX XXXX XXXX XXXX XXXX XXXX. The pictures he has portrayed as being him are found ( upon further searching on my part ) on a web site called XXXX XXXX as a scammer from XXXX possibly. He has a XXXX page as XXXX XXXX XXXX - with only XXXX friend, a female named XXXX I have tried messaging her to find more info, but she has not answered me back. On this XXXX website his picture is attached to XXXX website as XXXXXXXXXXXX He is emailing me from an XXXX on XXXX but wont answer my requests to snap a selfie and send to me and my daughter checked his email XXXXXXXXXXXX for I message but that app is suspiciously turned off.
In 2013, my Scottrade XXXX and Scottrade Bank account was hacked. Somebody accessed my account and initiated over {$800000.00} of ACH transfers which were then used to trade stocks at enormous losses, essentially buying stocks in my account at a premium while another account was selling them. 

Long story short, Scottrade refused to acknowledge the fraud and blamed me responsible, as a result of Scottrade 's failures I conducted research into Scottrade 's security systems and subsequently warned them in the Summer of 2013 about the database vulnerabilities that Scottrade recently acknowledged after two years of doing nothing. 

Bottom line, Scottrade 's management has death ears when it comes to hearing customers complaints and suggestions - and as a result XXXX XXXX customers are now at risk of identity theft and fraud. 

If you are curious about the complaints against Scottrade and want proof that Scottrade was informed of their security failures please feel free to XXXX " XXXX Scottrade '' or submit Freedom Of Information Act requests to the SEC requesting all complaints against Scottrade. 

My XXXX cents, steer clear of this company and its employees.
I DONT UNDERSTAND HOW THIS COMPANY EQUITABLE ACCEPTANCE CAN TAKE MONEY FROM MY HUSBAND I DONT UNDERSTAND WHO THEY ARE THE WAY THEY EXPLAINED IT WAS WE PAY THEM TO LOWER OUR BILLS. HOW IS THAT IF WE OWN THEM ( WITH INTEREST ), SO I GOT TIRED OF PAYING THEM ALL THE INTEREST SO I PAYED THEM OFF WITH MY CREDIT CARD, NOW THEY SAY WE OWN A COMPANY CALLED STUDENT DEBT SERVICE?? WHO IS THIS?? NO ONE SAID ANYTHING ABOUT THIS COMPANY!! WE WHERE UNDER THE IMPRESSION THAT WE WOULD GO THROUGH XXXX. SO WE FEEL NOW THAT WE ARE BEING TOSSED AROUND TO SEVERAL COMPANIES WE DONT KNOW IF THIS IS AN HONEST COMPANY OR NOT BUT ACCORDING TO THERE WEBSITE THEY ARE NOT TO BE TRUSTED PLEASE HELP!!!!
Velocity Investments LL and XXXX bought lending clubs junk debt. They left an envelope on my steps claiming they are going after my wages. What?? Why the hell are these guys. Seems like a scam but googling them it looks like this is their business model. I have nothing to pay them so I find the fact they left an envelope on the steps at a condo building with the wrong name on it pretty sad.
I disputed, with all XXXX reporting agencies, items I feel are not being reported legally or are erroneously reported.I attached all of the dispute letters. They, agencies, have not delivered or supplied any or all of the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA. I demand these inaccurate and or incomplete items to be removed from my files immediately. 
Thank You. 
XXXX
Transunion has had my account frozen and... " In Dispute ''... for over 4 months. I can not even get a response. I am on hold till they obey the law.
On XX/XX/XXXX I called bank of America to let them know their was unauthorized Charges on my account. Due To me losing my debit card. On that date they open my Claims For {$1000.00} and {$550.00}. I was told that I'm not responsible For any fraudulent or unauthorized charges according to the Zero liability policy. BANK OF America said I would have to wait 10 business days. On XX/XX/XXXX I was Credit the money back until my account. XX/XX/XXXX I goes into online bank to find that they put a $ -XXXX hold on my account. I had to wait until Monday to call because they weren't opened when I called due to the holidays. Not only did they tell me they was closing all my accounts but that they didn't have to tell me why. After being with them for about 3 plus years. It has been about 2 to 3  months of them telling me my accounts was being closed and that they mailed my check out. They have told me on two occassions that I could go pick it up from the bank but when I went to the bank it was a totally different story. I would call every couple of days to see if my accounts was closed and if the check was mailed out from them and they would keep telling me the same thing or giving me another date. So now I'm just out of {$1500.00}. I've been lied to and manipulated for 2 to 3 months just for them to tell me that my claim has been denied. They are telling me that I'm a liable and that they believe that the transaction was authorized. What am I to do from here?
I entered into a 72-month auto loan with Capital One Auto Finance on XXXX XXXX, 2010. I have had XXXX payment deferments which extended the loan terms from 72 months to 75 months. I get my final statement this month and they claim i owe and additional XXXX!! Well first of all I called them to explain that i should not owe an additional amount due to this is a loan and not a lease there should be no residual balance on a purchase. Then she tells me its the interest. I them tell her NO MA '' AM the payments are set up to to deduct monthly a certain amount goes to interest and the balance to principal.. ( I am no dummy ) I asked for the transactions on my account to be mailed to me. I also explained to her that there is no mathematical way i should owe an additional XXXX I asked to speak to a Manager to resolve and said one would call me back ... ... I am still awaiting that call. Granted the interest rate was high, but i have made every payment. ( XXXX of them!!! ) They would like me to believe its interest but i know better. This is their way of getting over on consumers who were credit challenge at the time of the loan. My original loan was for XXXX@24.35 APR which mean i have paid them XXXX in interest alone!! total paid XXXX!! I refuse to be taken advantage of, and this is what they are doing. If my interest or loan terms changed during the course of these long 6 years I should have been contacted. I do n't want this to happen to another hard-working consumer. I will continue to call them on a daily basis until they resolve. I will continue to complain about their shady business practices to anyone that will listen. All I want is my title! I have earned it! I have paid for this truck 3 times over!! I have kept my end of the contract paying XXXX for a truck not even worth XXXX right now.
I have contacted all three credit bureaus repeatedly regarding two accounts one being XXXX XXXX XXXX XXXX the other being XXXX XXXX XXXX/XXXX  that display on all three of my credit reports. They are both unverified and not validated but yet they remain on Equifax, XXXX, and XXXX. I have disputed these accounts several times for the past 3-4 months and can not get any resolve. These accounts being listed has had a SEVERE impact on all three of my credit reports and they must be corrected and taken off IMMEDIATELY. I have requested verification and validation several times and received no validating evidence. You are required under the FCRA to have properly verified each and every account listed on my credit reports. I asked for the name of the person from both companies you consulted with, what were the documents used to verify these accounts and where are these such documents, and to provide me with the phone number of the person and/or business address that supposedly verified these accounts as accurate. Still to this day Equifax, XXXX, and XXXX have not supplied that information.Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for civil complaints being filed in accordance with FCBA, FCRA, and other federal statutes.
Seterus, Inc., my mortgage servicer has refused to answer my questions about the servicing of my mortgage ( fee charges that do n't seem reasonable and corrected XXXX mortgage interest form that does not agree with my statements ) despite repeated phone calls. All phone calls are met with an exceptional lassaiz faire attitude followed by no answers to questions. I feel I have no where else to turn -- they hold all of the cards. Worst mortgage servicer ever!
Hello this company called trans world system inc have been trying to collect a debt for a XXXX XXXX XXXX. They are saying I owe {$6000.00} dollars. When this debt highest limit was XXXX back in 2012. I have asked them to validate this date multiple times showing me my contract that shows my apr. they have not sent me nothing. Then on ore about XX/XX/XXXX I get a letter demanding a payment or they are going to garnish my wages. A debt from 5 years ago ca n't grow XXXX dollars. The intrest should stop. This collection agency is trying to collect from veteran illegal I feel.