WillisBack/dataset-financial-user-claim huggingface dataset:
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 may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. I demand the following accounts be verified with the original contract with my signature or removed immediately. Its been more than 90 days that I sent in certified documents over to XXXX  and you havent removed the remaining errors. You removed majority of the inaccurate accounts and inquiries listed in the attachment area that you havent removed 1. XXXX XXXX XXXX # XXXX, 2. XXXX XXXX XXXX, 3. XXXX XXXX XXXX. I am unaware of this account and its an error but you continue to report inaccurate information. I warned you not to long ago that if you dont remove this account that I will forced to take legal actions against XXXX and you still insisted on delaying the process but you have violated THE FCRA sections 609, 611, 612, 604, and more. I am in distress and my only option is to take this to court. It has been well over 120 days and i havent received any
In XX/XX/XXXX I began my XXXX studies with the University of XXXX-XXXX XXXX, CA and completed this program in XX/XX/XXXX. 

I began my XXXX  studies in XX/XX/XXXX with University of XXXX and completed my XXXX  studies in XX/XX/XXXX. 

I was also enrolled at the University of XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX, for the for their XXXX  level XXXX XXXX XXXX XXXX, these credits were later applied to a XXXX degree in XXXX XXXX with the University of XXXX-XXXX  in XX/XX/XXXX, I completed this program in XX/XX/XXXX. 

During this time frame I used part of my G.I. Bill for these programs along with student loans. I had a series of health issues that were not resolved while on XXXX XXXX that were later compounded that required me to request a deferment/forbearance of my student loans due to my inability to work. Some were granted to my knowledge whereas others were not, which I continued to resolve. 

Upon careful review and further evaluation by the VA my XXXX rating was increased to XXXX XXXX, which qualified me for the XXXX XXXX XXXX XXXX ( XXXX ) program for my student loans. 

On XX/XX/XXXX DOE directed Sallie Mae/Navient and XXXX/XXXX XXXX XXXX to suspend collection activities on my student loans until they could determine my eligibility for discharge. Effective XX/XX/XXXX, the DOE had approved my discharge of the federal student loans on the basis of my XXXX  XXXX  XXXX  XXXX. 

In closing from the very beginning my student loans were never properly reported, some start dates began before I was even enrolled in school, which I attempted to address with Sallie Mae/Navient. To my knowledge this was never corrected. 

Additionally, I have 24 trade-lines ( student loans ) that are listed as late or in default in excess of 120+/180+ days. In addition to these issues several of these same accounts have exceed their legal reporting periods of seven years, with multiple that are over 10 years. In previous communications via letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, Navient-U.S. Department of Education is in violation of Section 623 ( a ) ( 2 ) of the FCRA.
Refused to agree in writing that account would not be reported on credit report if paid in full by the XXXX. Paid in full by the XXXX and per the recorded conversation with XXXX and her supervisor. The account was reported on my account in direct violation of our agreement.
I applied for an American Express Serve Card when filing my federal tax return through an online tax software called XXXX. The online advertisement for Serve states there is a {$1.00} monthly fee for the card which can be made by setting up a direct deposit of at least {$500.00} monthly. I applied for the card and had my tax refund of {$1200.00} sent to the card, the date of card application and deposit is XX/XX/2018. I received the card within 14 days of completing the online application. On the date I received the card, I arranged for a direct deposit of {$110.00} weekly ( {$110.00} x 52 weeks/12 = {$500.00} monthly ). 

On XX/XX/2018, I noticed a {$4.00} fee charged to my AMEX Serve account. Further research shows AMEX Serve charged me {$4.00} monthly for the entire time I've had this card. I called AMEX Serve on XX/XX/2018, in which I spoke to a customer service representative name XXXX. The phone call was placed at approximately XXXX XXXX on XX/XX/2018, to number XXXX. XXXX states, " I must make a monthly lump sum payment of {$500.00} to qualify for the no-fee months ; the system does not recognize weekly payments. '' I dispute that ; my first month I had a lump sum direct deposit of {$1200.00}, the computer charged me a {$4.00} fee that month. 


I followed the literature directions to avoid a monthly fee. AMEX Serve still charged me a monthly fee.
On XX/XX/XXXX, two unauthorized charges were made to our Chase XXXX XXXX credit card. One was for {$410.00} to XXXX XXXX XXXX ( restaurant we have never heard of ) and one was for {$600.00} to XXXX XXXX. Chase contacted us about these charges and we confirmed that they were unauthorized by us. I sent a letter both to Chase about the fraudulent charge and to XXXX requesting information ( by certified mail -- I never received a reply ). We both tried to speak to someone at XXXX. It was difficult to get any live person on the phone or get transferred to the correct department, and the employees seemed reluctant to give any help or information. Finally with the help of a Chase fraud dept employee on a two way call, we were able to get the information from XXXX that the charge was made online, in my husband 's name, between XXXX and XXXX, ticket # XXXX, and no one showed up to use the ticket. We tried to get XXXX to call it " invalid billing '' and/or give a merchant credit, but they would not. I also filed a report on identitytheft.gov and followed all the recommended steps on their website. In XXXX Chase ruled that the XXXX XXXX charge was not a billing error. I ( probably mistakenly ) did pay the charge included in our balance that month, as we try to pay our credit card bill in full each month so there is no interest charge. I re-disputed the charge, and we have just received ( XX/XX/XXXX ) a letter from Chase saying that this is not a billing error. We did not make this purchase! We believed that the credit card company would protect us against fraudulent charges, and I want to know who can advocate for us to ensure that Chase honors this. We have charged thousands of dollars on this card over the several years we have had it, with never a late payment -- surely they can treat us as loyal, respected customers. I don't know why one of the two fraudulent charges was reversed, and not the other. If they will not cover this amount we will close our account and have no future dealings with their company.
On XX/XX/XXXX, I received a notification email from XXXX XXXX indicating a debt was added to my XXXX credit report from Midwest Recovery Systems. I have NEVER received any correspondence for this debt nor did I know the debt existed or who the creditor is for the debt. I was never given a chance to dispute, negotiate or pay the debt yet said debt has been reported as collections. My home address has not changed and not one piece of mail has been received or one phone call about this debt existing. Debt collectors, by law, have to notify debtors about existing debt and give them a chance to take care of the debt, or dispute it before reporting to credit bureaus. Midwest Recovery Systems reported this debt on XX/XX/XXXX and this is a violation of 15 USC 1692g 809.Validation of debts.
I have applied for a modification with my mortgage company and I 've being getting the run around for about 2 years now. Now they are saying I need to restart the process. The modification was requested because of the passing of my wife.
I am getting harassing calls on my cell phone and in my office from the phone number XXXX. I did not answer the phone because I did not recognize the number and have had to file for this type of incident before. When I XXXX the number. a listing for Van Ru Credit came up with listing of harassing complaints. They do not leave a message, so I am unaware as to why I am receiving a phone call from them. 

Van Ru Credit CorporationXXXXXXXX XXXX XXXX XXXX, Illinois XXXXhttp : //www.vanru.com/Contact.htm
I refinanced my car, I asked the company would anything change besides the date of the payment and the amount. I was advised no, so I even asked would this have any effect on my gap insurance I was advised no. Well come to find out that was a lie. I got in an accident the care was totaled and the gap I insurance said they would not pay because of me refinancing changed the terms of the original contract. It has been a few years and not M & T bank is calling me saying I owe $ XXXX for the car. When it was totaled out there was n't even that much left in th car I tried expaininf the I was deceived by their company and that the gap should have been added to the new terms but instead they advised me I was still covered. I do not feel I should pay the bases on being lied to. Is there anyone that can help me with this? I asked them how would this effect the gap insurance and they fact that they said it would not effect it and that the car would still be covered if something happens then something happened and the gap would not pay for the outstanding amount.
XX/XX/XXXX XXXX, who we had been with over 8 years, could no longer provide us service in the area where we lived. I contacted them, filled out a form to release us from our contract, faxed it to them, and after that I did not receive any bills or correspondence. 

Now, all of a sudden, another company has reopened this debt that was forgiven and closed, XX/XX/XXXX.
Between XX/XX/XXXX and XX/XX/XXXX I opened an account with Bank Of America. I made a check deposit and it didnt clear. They reported that information as a Suspected Fraud Activity on XXXX   XXXX showing an open balance of {$490.00} and now I am not able to open an account which I really need to manage my business. I never tried to commit fraud to Bank Of America. This was not fair.
XXXX XXXX has the wrong social security number listed on my Discover credit card account. XXXX isnt my social security number. My correct social security number and date of birth is : SSN : XXXX DOB : XX/XX/XXXX.
On XX/XX/XXXXthe card was used to pay an air ambulance fee ( {$18000.00} ) for a friend who had a XXXX XXXX on a cruise ship. This friend is a retired XXXX Veteran. As one can imagine this medical emergency resulted in significant fees for the family. Once my friend was stable and the family could begin making payments on their outstanding debts they worked hard to pay this one off first. The balance was paid off from XX/XX/XXXX to XX/XX/XXXX. The final payment was made on XX/XX/XXXX including {$130.00} interest. 
In XX/XX/XXXX the insurance company reimbursed the air ambulance company which reimbursed the Citi card. I contacted Citi on two occasions to let them know the credit was on its way and that I wanted it directly transferred to my checking account. I informed them this was funds that did not rightfully belong to me and needed i needed to refund. On XX/XX/XXXX the credit was applied to my account. On XX/XX/XXXX I called to make sure the refund was being processed. I was informed that they would begin the process ( it had not started despite my previous direction ) and I should have the money no later than XX/XX/XXXX. As of today XX/XX/XXXX the credit is still on my account waiting a second manager " approval ''. This is unacceptable I need the money and have informed them of this every day since Saturday, XX/XX/XXXX. They have told me " they '', or a " manager '' would call me back but no one has. If anyone treated them with such disregard they would face penalties and interest of significant amounts. This is an easy transaction to follow, the approval should not be time consuming except for the fact Citi wishes to use this money for their own benefit. I think that is wrong!
On XX/XX/XXXX there was fraud committed with my credit card. I had contacted them a filed the claim a few days later when I caught that my credit I had on there was used and much more. Unfortunately XX/XX/XXXX I was told my claim was denied with no reason as to why. I contacted the fraud department on the Saturday after and sat on hold for well over an hour. The first gentleman told me it was because I had been to one of the places before, mind you one time. Then the manager told me it was because it was a chip. I explained I had asked for a replacement card months prior and the security numbers on the back would show that. I then asked what I can do to fight this because its impossible for me to be in two places at once. I asked if I needed to send my time cards over which she said yes and gave me the incorrect fax number. After calling again on XX/XX/XXXX and being on hold for 45 minutes I was able to talk to a lady and she gave me the correct fax. I then faxed over my timesheets for the dates in question the same day, XX/XX/XXXX. I have tried to call fraud dept however it was always over an hour wait time and I work for XXXX XXXX in California so XXXX to XXXX mon thru Friday is XXXX to XXXX. I work XXXX to XXXX Pacific time. Hour long wait times and no contact is unfair and criminal. To make matters better I haven't received any documentation from them in regards to filing the claim again and today I was able to get them to escalate it because I messaged them on XXXX. I was then told I would hear back in 3 days with whatever they may need from me or whether or not my claim was denied again. 
I am being forced to pay the bill otherwise it will be reported as missed payments and affect my credit. I do not have XXXX nor do I have the money for the interest they charged me. 
When asked again for the full investigation and why no one told me to file police report they didnt have an answer.
I filed a dispute with Experian against XXXX, they removed this item in XX/XX/XXXX They reinserted this item XX/XX/2017. The original creditor nor the collection agency could not/would not validate the debt.
I received a letter from a company XXXX XXXX XXXX XXXX claiming that I owe debt to PayPal, Inc. Account Balance is showing {$130.00} My current balance with PayPal is XXXX dollars and I 've never had any issues with PayPal . At the same time PayPal does not seem to be taking this issue seriously. The letter I received from a debt collector seems to be a straight up extortion. Claims that if I do n't respond to the claim in writing within 30 days, the debt will become valid. 

I 'm not going to respond to them as I believe it 's a scam!
I have tried 3 times to make arrangements on paying back my loans. Every time that I call they only give me the income base choice for repayment. I am still not able to pay the amounts that are offered.
UDAAP complaints related to servicing issues : 1 ) SPS failed to process automatic authorized ACH payments for which adequate funds were available each of the authorized payment dates. Their failure to properly process these payments has resulted in the mortgage holder initiating foreclosure action. 
SPS provided the letter dated XXXX XXXX, XXXX stating ACH payments may be established by returning a completed and signed form, along with a voided check. We returned the completed and signed 'Authorization for Withdrawal and Direct Payment Agreement ' form along with a voided check to SPS. SPS provided an acknowledgement that payments of {$3700.00} would be withdrawn from the account beginning with the XXXX XXXX payment. 
2 ) The SPS Escrow Analysis document ( see Attachment C ) illustrated SPS paying real estate taxes one time during the year and collecting a two month escrow cushion. 
Collecting and maintaining an escrow cushion is a change in servicing practices from what was stated on our initial disclosures which ( see Attachment D ) with do not reflect such a cushion in the Truth in Lending Disclosure Number of Payments, the HUD-1 Reserves deposited with lender section, line XXXX or XXXX ; and the Good Faith Estimate of Settlement Charges To date the loan servicer had not collected an escrow cushion at any time since origination in XXXX and had historically paid the real estate taxes semi-annually. These changes by SPS resulted in SPS requiring either a one-time payment of {$6300.00} or a monthly payment increase of {$500.00}, from {$3700.00} to {$4200.00}. 
Had SPS chosen to make semi-annual payments, as had been the practice to date for XXXX, there would have been a surplus of {$440.00} rather than a shortfall ( see Exhibit XXXX below ) without the added 2 month cushion or a shortfall of {$1000.00} with the added cushion. 
We contend that this large adjustment was the result of unnecessary practice that is unfair and harmful under UDAAP.
XXXX XXXX, 2015 around XXXX ET someone rings the door bell. My wife, XXXX XXXX, turns on the porch light and asked our son ( who is XXXX years old ) to put the dogs up ( we have XXXX XXXX pound XXXX and a XXXX XXXX. We live on XXXX acres in the county and rely upon them to secure our home and property. A " Beware of Dog '' sign is prominently displayed visible from the street along with a " No Trespassing '' sign. People know to call us before they come to our home so the dogs can be put up ). After the dogs were put up, my wife walked to the door and opened the door, keeping the full-length glass storm door closed and locked. She asked the young lady that was on the porch, how can she help her and who on she was. She stated that she was from " the bank '' and was here to on pick up " the van. '' My wife told her that we did not have a van. The young lady, without producing a business card, any paperwork identifying her firm, said that they know the vehicle is in the garage because " they saw it '' ( to see inside the garage you must go around onto our back deck to look into the back of the garage. My wife, who is not on the loan, asked her did she call me as I had instructed Santander because I was not home ( When I called Santander early yesterday I agreed to surrender the vehicle but someone must call my cell first because as a XXXX I am called out and we have the dogs that must first be out away ). She replied that " he was aware that they were coming to pick up the vehicle tonight. '' This was a lie. My wife again asked her, did you call him, she replied that he had spoken to her boss earlier and she was there present when he ( I ) had spoken to the bank. '' At this time, my wife notices a young man peek around the corner toward the front door. My wife explained to her that she needed to call me and I could take care of this since it was in my name and I had called to make arrangements earlier to turn over the vehicle. The young lady then stated to my wife, because " You are unwilling to turn over the vehicle, that is considered theft and charges will be filed tomorrow. '' My wife and son are both willing to provide sworn affidavits to support what they heard last night.
XX/XX/2013 {$3800.00} not familiar with this debt account!
XXXX XXXX has a collection account on my credit report that is not mine. I have requested proof of debt 4 times. Including certified mail. I have not received any response from them. When I call them I get bounced around and can never speak to anyone. This is not my debt. I'm not sure what other steps I need to take. Thank you for your help.
Spoke with XXXX XXXX Account # XXXX, he stated that this account would be deleted immediately. I informed him that I did not owe XXXX XXXX XXXX any money. The equipment that he was trying to collect on was stolen. Asked him for the phone number to a contact person at XXXX XXXX XXXX, so that I could resolve this issue with them. He refused to give me that information. He stated that he could offer a settlement amount. Not sure how ERC would try to settle on equipment that was stolen. Asked multiple times for information for original creditor, so that we could contact. He refused. He said that he would open a dispute and have this deleted from all 3 credit bureaus immediately.
I was married for 20 years and used a hyphen with my last name. Because computer systems don't accept hyphens, my name appeared in a multitude of inaccuracies on credit reports. I have been divorced for nine years and have returned to my maiden name. All open accounts are under my current name. Through the month of XXXX I have been on websites, made phone calls and sent proof of identification to all three major credit reporting agencies. The goal was to remove all names but the name I have held for the last nine year. Two attempts have been made to get credit cards under one of the inaccurate names. The credit reporting agencies are reluctant to remove names because of past credit attached to those names. However, some of those inaccurate names have no credit attached to them. My social security card has only ever had two names associated with it. For agencies that are supposed to protect us, they allow an awful lot of false information. One report had phone numbers associated with my account that I have never had or provided to the agencies. I have had one employer since 1982 and yet I had the Soc. Sec. Admin., a collision repair company and an individual listed on my report as employers. One agency told me that if a past creditor wants to make an inquiry under one of the former ( inaccurate ) names, that the inaccurate name can be added to the report again. And, as if that weren't bad enough, it would be up to me to contact each company making the inquiry to correct my name. No agency told me about opting out of such inquires. I found the opt-out information on General Summary of Rights Under the FCRA. Unfortunately, I'm not sure that it worked or helped in eliminating inaccurate information. I repeated my address about ten times and the best I could do was get XXXX XXXX from the system, when it really should have been XXXX XXXX XXXX. Unfortunately, no option to speak to a person was ever offered. My complaint is not necessarily with one company, it is more with the system that has allowed these companies to charge for services to prevent fraud and yet they assist with the commission of fraud by not doing their due diligence in making sure that inaccurate information in never allowed on a credit report. Aside from me spending one month every year correcting inaccurate information on my profile with each credit reporting agency, what other options do I have?
XX/XX/2018 @ XXXX I just got a voice mail from this Cmre Financial Services. They refused to verify their identity and kept trying to get private information. I should be able to give you the reference number and you tell me who has hired you to collect this money. I believe this is a scam and harassment at it's finest.
There are 4 accounts on my credit report they are not mind. 
Someone must have used my information. 
I am not even old enough to have these things on my report. Havent bought anything done any thing. I just graduated from high school. All 3 of the credit bureaus