WillisBack/dataset-financial-user-claim huggingface dataset:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A ) 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 failed to mark the XXXX account with a balance of XXXX- account # XXXX as disputed by consumer within 30 calendar days of my first dispute in XX/XX/2016 and you still failed to provide the original documentation ( a consumer contract with my signature on it ) 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 ). 

Now that you have violated the FCRA, I`m now 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 account with a balance of XXXX account # XXXX is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

This item listed on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and provide me a copy of my original documentation ( a consumer contract with my signature on it and yet you still have failed to honor my demand. 

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

I hereby demand immediately deletion of XXXX account with a balance of XXXX- account # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ), Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

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 immediately. 


Please note, you have already violated Section 623 ( a ) ( 1 ) ( A ), which you failed to mark as disputed within the first 30 days of my first dispute in XX/XX/2016, which entitles me to XXXX for damages and other violations by not providing me a copy of the original contract with my signature. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you, thats why Im filing this complaint through the Consumer Financial Protection Bureau.
I have tried to see a copy of my credit report from the XXXX XXXX XXXX  website. XXXX, XXXX, and transunion all would not show me my report.
profolio recovery and XXXX XXXX wont remove this debt from my credit report. they said its not there business I went to XXXX. they I sent letters from my XXXX  and they ingnored it they said I need a police report. This ridiculous they threatened me and said I was a threat and I shouldn't call back again after I sent the documents requested
I have lived at my home for 13 years, my address on my credit report is correct. Dynamic Recovery Solutions added a {$63.00} collection account to my credit report in 2015. They have never attempted to contact me, but only put this debt on my credit report. I only learned of it because I pay for a XXXX score each month. 

On XXXX XXXX, 2015 I sent a letter to Dynamic Recovery Solutions requesting verification of this debt. To date, they have yet to contact me. Immediately after my original debt verification letter was sent to their company, this debt was removed from my credit report. Now, 9 months later, this debt has again been put back onto my XXXX credit report ( I do not know yet if the other credit bureau 's were contacted. ) I still have yet to receive any type of correspondence from Dynamic Recovery Solutions and have most definitely have not received verification that this debt is mine and that the amount due is correct.
My loans were paid in full in XX/XX/XXXX, I thought I gave XXXX ample time to submit my account status as paid to credit bureaus, as I did not start inquiring until XXXX, XXXX as to why they show " deferred '' with an outstanding balance of over {$130000.00}. Each time I am given the run-around. The last representative I spoke to in XXXX, emphasized with my position as this is hindering my ability to obtain new credit because of the high balances an assured me he would send in correct to the 3 bureaus. I called back last week on or around XX/XX/XXXX to inquire if my credit bureau had been correct. I was told by another representative that she saw the notes from the last phone call. She further stated I would need to send XXXX a letter disputing the debt they are reporting erroneously, along with a copy of a credit bureau that shows how the debt is reporting of which I did as requested. I called to check on if XXXX is in receipt of letter, I was told yes, but it will take a while. I am XXXX and need to purchase a lawnmower on credit so I can have a riding mower as I am unable to cut my grass with a push lawn mower now. I really need help getting this off my bureaus.
On XX/XX/2018, I applied for a military deferment by submitting orders for an overseas contingency with the XXXX XXXX to Navient and Navient processed the request. The orders were for a XXXX XXXX XXXX from XX/XX/2018 through XX/XX/2018. After I was XXXX, I was automatically billed {$110.00} on XX/XX/2018. I emailed Navient through their website inquiring as to why I was being billed during a deferment period. I received a response incorrectly countering that my service was not in connection with an overseas contingency eligible for deferment with Military No Interest Accrual. I then called the companys  military affairs number explaining that the orders clearly stated that the XXXX was in support of a contingency in a qualifying area. The representative was helpful and apologetic after reviewing the orders that they did in fact indicate that this was a contingency operation. My initial application had been erroneously processed as an SCRA application only, but not a deferment. The deferment was finally processed on XX/XX/2018. However, on XX/XX/2018, another automatic payment was charged for {$110.00}. I called Navient again to inquire why a second payment was processed after the deferment was resolved. I was simply given an apology and told that their automatic billing system wasnt quick enough to catch the deferment and refunds could not be issued.
Ive received countless letters in the mail regarding my credit card. Besides the numerous phone calls that Ive been receiving. I have reached out to a third party company who was supposed to reach out to the credit union regarding a payment plan to pay down my credit card balance. I am unemployed 2 months out of the year and the credit union knows this! Yet I receive a letter in the mail shortly after the credit union responded to my complaint that I have 30 days from XX/XX/2017 to close my checking account due to non payment on my credit card. Which is in retaliation to my complaint to the consumer finance company. And XXXX XXXX did NOT respond to my any of my emails except for one email that I had sent to her specifically asking her for a reply. I have sent every piece of paperwork to SECU that they have asked for. I was told if I had submitted all paperwork that was needed then I would be given a small loan added to my car payment every month. Once I had sent all of the information to SECU. I was then told that I couldnt be helped. When I spoke with XXXX XXXX in person I brought a very successful business man along just for support and the way that I was spoken to and treated was unfairly. I will continue to send in complaints until I see that no one else is treated the way that I was treated Im very disgusted. Ps ... I have paperwork to back up everything that I am saying
I continue to receive repeated calls to my phone number XXXX from a revolving list of numbers associated with Portfolio Recovery. I returned their call to XXXX on XXXX/XXXX/XXXX and explicitly requested they stop contacting my phone number. I was told they would not stop calling until I identified myself, which I refused to do other than stating I was the owner of phone number XXXX. I have since continued to receive repeated calls from this company ( 12 additional calls that I can find in my phone ) from various numbers all over the country.
XX/XX/XXXX - Initiated letter to Legal department of all 3 Credit bureaus. All three credit bureaus show different amount of this debt. Registered mail.
XX/XX/XXXX - Registered mail to creditor asking them to validate debt through audit certification of debt education to debt entry in accordance with g.a.a.p, I.f.r.s., in accordance with basel 3 accord an u.n.c.i.t.r.a.l conventions. And requested copy of creditor 's Tax Registration certificate.Creditor never validated debt. 

XX/XX/XXXX - Requested creditor ask creditor to validate debt via registered mail.
XX/XX/XXXX - Requested credit bureaus validate debt and amounts via registered mail. 

So forth
Opened a BMO Harris everyday checking account on XX/XX/XXXX, using the promo code XXXX. I followed all requirements, including bringing the mailer to a local branch, opening a new account, and having two direct deposits of {$300.00} or more post within 90 days of opening. I made deposits over {$300.00} on XX/XX/XXXX & XX/XX/XXXX. The bonus was to be paid 120 days after opening ( XX/XX/XXXX ). As of XX/XX/XXXX I still have not received the bonus. After contacting the bank, I was informed that I did n't qualify because the direct deposits were n't from a payroll company. BMO terms are listed as " Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening ''. I 'm XXXX XXXX, and pay myself from a business checking account from an external bank. Therefore I received 2 direct deposits, which were a paycheck, from an employer. This qualifies under BMO Harris 's  listed terms.
The lender Wells Fargo has taken from XXXX 2016 to now, XXXX XXXX to get our loan approved and get us to settlement. We were borrowing only XXXX, we have very high credit scores and own a home. Our loan was approved but the rest took many months and we really do not know why. The loan office kept telling us things were progressing. Due to what I can only see as negligence we lost the first house, and now, are on the third - due to Wells running out the clock on the deadlines. Wells Fargo does not respect contract deadlines. I want a government investigation of Wells Fargo lending practices.
Multiple Addresses Incorrect. 

I have NEVER lived at the following addresses reported : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
My JCPenney account has been frozen, I am being charged a monthly & a late fee. I pay more than the minimum monthly amount to help cover the " late fee '' and am charged an additional late fee every month. The minimum amount due monthly is {$25.00}, I pay {$40.00} dollars and am on a very limited, tight budget so can only pay an additional $ XXXX monthly for a life insurance policy. Every month I pay a little extra as I can afford it in an attempt to reduce the overall balance. In addition, JCpenney charges me a {$35.00} late fee which is added monthly. As of XXXX 2015, the total amount charged to me by JCPenney is over {$500.00}. Their claims department calls me early in the morning regularly and multiple times daily. The new minimum amount is {$86.00} which I am not able to pay. I would like to know if it is legal for them to add late fees to late fees when I have been making payments, even an amount less than they would like.
I requested that Discover Card remove my husband from my account, as I am the only responsible party. I am trying to get myself out of debt, and I can only do that by negotiating with all of my creditors across the board. I respectfully request that Discover Card accept a one-time settlement of {$4000.00} of which I will borrow from a relative to resolve my debt in full. I have submitted this request through the CFPB to guarantee that my rights are protected under FDCPA.
I am a Private Banker the Promissory Notes presented to Wells Fargo are my personal Banker 's Notes which are seen as cash according to 31 U.S.C. 5103 and 18 U.S.C. 8 they are legal Negotiable Instruments. UCC 4-302 makes Wells Fargo liable to me. 
Because Wells Fargo did not honor my promissory notes created to payoff peoples property. 
I DEMAND Wells Fargo send me cash-able checks equal to my Bankers Notes which Wells Fargo has in it 's possession. Bank policy does n't out rank Uniform Commercial Code, United States Code and operation the way the Federal Reserve XXXX clearly states how every bank in the United States does. 

When I was told the promissory notes were worthless I did a test. I created a promissory note wrote my contact info on it, then sent it to to U.S. Treasury via the IRS. I also included a letter requesting to be contacted if what I was doing was against the law. I was never contacted. 
This complaint was created because CFPB needed more info after they received my complaint about promissory note dishonor from the WhiteHouse.
I have had a judgement on my credit report for XXXX years about XXXX XXXX Inc/ Serenade Apartments. This judgement was satisfied and I exceeded the disposition taken to not have any repercussion against me. However, I have dispute this transaction several times and received the same outcome with it being on my credit. I believe that there are XXXX claims with this entity against me. I will be providing documentation to dispute.
Starting in  XXXX  of    2016  i started writing letters to the credit bureaus to attempt to remove/verify this item from my report. I then went directly to the company itself. I have NOT received a RESPONSE to any of my inquiries. I am so incredibly frustrated by the lack of response. I have NO IDEA what this is. Where it came from. What it 's for. and NO ONE WILL HELP me. This should not be on my report and is affecting my finances. thi s is NOT RIGHT.   <P/> also- this item appears  XXXX  on my credit report.
This is my third complaint against Ditech. I believe they are committing fraud and everyone should be aware of this. I 've called many times to have my account adjusted and either they would make excuses or put me on hold and then hang up on me without returning my phone calls as they said they would. Every month I make a payment to them on a timely basis but I receive an email confirmation with a different amount. When I call them for an explanation they are very evasive and do not have a direct answer for me. Why is my account number on the website different from the  Modification Agreement  account number? I believe they are moving money around the accounts to cook their books, just like   XXXX   XXXX   XXXX   did and Green Tree Servicing. This needs to stop. I will continue to file complaints against Ditech until this is resolved.  Ditech  should not just be sending in a letter to the Consumer Financial Protection Bureau that my account is being rectified because that is a complete lie. How do I know if all these payments that I 'm making every month is going towards my mortgage?
I had an auto loan as a co borrower with Santander Consumer USA for a XXXX XXXX Infinity M37x I had made about 1 year worth of payments as I was driving this car from XX/XX/XXXX-XX/XX/XXXX. XX/XX/XXXX I informed Santader that I no longer wished to own this veichle and that I would like to surender the car. Santander informed me that I was unable to surrender the vehicle because at the time I was up to date on my payments and that I had to be at least 90 days " past due '' before they would reposses the vehicle. I explained to Santander that I did not want the late payment information on my credit nor did I want to continue to insure the vehicle for this period. Santander informed me that they would not accept my surrender. I then had the vehicle towed to XXXX XXXX located at XXXX XXXX XXXX in XXXX XXXX, XXXX ( XXXX ) XXXX and informed Santander of the location of the vehicle and that they would need to retrieve it from there. 

Under XXXX law a transfer of a vehicle title may only occur if the primary lien on the title is satisfied. Santander supplied a lien release letter to whom ever sold this vehicle my attached documentation shows that this title has been tranfered to XXXX XXXX leasing and finance in XXXX, XXXX. Santander continues to report my balance with interest and penalties as if this sale never took place to all three credit bureaus. Santander takes no collection activity on this account. Subsequent to the sale of this vehicle as well as currently, I have contacted Santader to try and resolve this if any additional money is owed but they refuse saying they never sold the vehicle which is false. Santander is committing fraud by reporting innacurate information on my credit reports. Further more they are trying to receive money from me in the amount of approximately {$29000.00}. Santander should have sold this vehicle for approximately {$27000.00}. Santader has charged me unfair interest and penalties which would account for the other {$2000.00}. 

As a resolution I want this item deleted from all three of my credit reports. I also want the erroneous interest and fees returned to me. I would also like action to be taken by the government to ensure that these unfair practices do not continue. Santander has done everything in their power to punish me for not wanting a car. The car was in excellent condition and a much simpler resolution could have occurred. They are unprofessional and predatory.
Have some student loans by XXXX now Navient they did did the transformation doing the time I was in a chapterXXXX bankruptcy and it being converted to a XXXX Navient continue to call me wanting me to set up a payment plan and give them my checking account information no way they continue to harness me and now I am getting letters and calls from XXXX requested the same thing set up a payment plan or get garnish was n't told how much my loans was and was n't willing to. Make a deal on the payments or how much they needed up front
There is an account on my credit report that is reporting in error. I have disputed this information with the credit agencies XXXX times now and the creditor keeps telling them that the account is valid and therefore is still reporting on all of my credit reports. The creditor is reporting to XXXX credit agency that the last date of activity is XXXX/XXXX/XXXX which is completely inaccurate since I have had no dealings with them ever. Then they are reporting to another agency that I made a payment to them in XXXX which is completely false because I never paid them anything and that they account was opened in XXXX which is also inaccurate since I know this account is well over XXXX years old. I know that by law they have to remove items that are over XXXX years old and I 'm not sure why they keep falsely reporting this debt on my credit report.
We have a mortgage on a second home in  XXXX   XXXX  financed by  Banco Popular.   All of our origination documents were produced in both  XXXX  ( our language  )  and  XXXX . However, the servicing documents are generally sent to us in  XXXX . We have complained already and they agreed to send us only   XXXX   documents, but we are still receiving important important documents, such as a forced-placed insurance document from what we can tell, in  XXXX  only.   XXXX  On a related note, the forced-placed insurance document tells us nothing about the cost of the forced-placed insurance they are threatening to purchase for us, which is unfair.
The lender is in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( ii ) due to actively proceeding to foreclosure sale set for XX/XX/XXXX ( Dual tracking ) while actively reviewing the file for loss mitigation ( loan  modification ) review. The lender was sent a loss mitigation application on XX/XX/XXXX and again on XX/XX/XXXX - the lender stated they never received the application sent on XX/XX/XXXX - We were advised of missing docs for the review as of XX/XX/XXXX and provided the missing items for the review as of XX/XX/XXXX on XX/XX/XXXX they advised all information needed for this review was provided and the file was sent to underwriting - we called for an update to the review as of XX/XX/XXXX - we were advised at this time the file was active litigation and all correspondences need to go through XXXX Atty. Up until this date we were provided all information on this file - Nothing has changed on this file to deem it a litigation file - We feel the lender is stalling this review so the sale date can proceed - we contact the XXXX atty ( XXXX XXXX, XXXX / XXXX XXXX XXXX - XXXX ) - this XXXX advised they know nothing about the XXXX proceedings they handle litigation. No one will provide us with an update or a postponement of the XXXX sale set for XX/XX/XXXX - we feel the lender is not willing to work with the client and has failed to do a complete and accurate review of the file.
OnXX/XX/XXXX I electronically paid my Discover card in full, {$5900.00} as I always do every month.. On XX/XX/XXXX I had a purchase declined and then again onXX/XX/XXXX. On XX/XX/XXXX, I contacted Discover card to find out why. They told me they had never received my payment.I verified with my bank that it had been paid, received by Discover card and processed. When I told Discover they said again they had not received payment. After much time and frustration on hold, Discover card said they had applied my payment to another old Discover card of mine which THEY had closed over a year ago because of what they said they needed because of possible breach and potential fraud. When I asked them to transfer the payment to my current card, they said they could not do that. They told me they needed to send me a check which would take abut 5-7 days. In the mean time they said I needed to pay the credit card bill and they WOULD TRY, to take care of any interest or penalty when they received my new payment. Really? The main thing that upsets me about this is they never send me a late notice or anything, they just put a hold on my account which is very embarrassing as a business owner when I am trying to pay for services. I have outstanding payment history with Dicover card as well as all other account I have. I have excellent credit, XXXX credit score last time I looked. When I told them that I wanted all this noted on my account and any negative credit to be addressed. All they told me about the incident is, MISTAKES HAPPEN. Would they accept this answer from me. I think not!
I am filing this complaint in hopes that your CFPB can assist me in resolving an unfair business dispute between my company and XXXX. 
We had salesman contact us from XXXX and offer us an attractivesolution to our advertising needs. However as it turned it was n't. 
First and foremost their salesman flat out lied to me and when hewas questioned about it, he told us we could get out of the contract for {$300.00} I cancelled within 3 days and theirsalesman kept putting me off with excuses and promises. 
The product is inferior and misrepresented. XXXX did n't let out of thecontract until 3 months later and now they say I owe them {$2900.00}. They keep putting off the customer until the bill is racked up enough for them to make money. Also the salesman that signed us up no longer works there which is who made the offer to begin with. Please help.