WillisBack/dataset-financial-user-claim huggingface dataset:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written
requests, the unverified items listed below still remain on my credit report in
violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation,
you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to 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.

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 Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
This items are fraudulent accounts. And i have provided enough information.XXXX/ XXXX/ XXXX/ XXXX/ XXXX/ XXXX/ XXXX.
I applied for citi double cash credit card online. Application ID : XXXX My application for credit was rejected. On the rejection notice the credit card company gave me XXXX reasons : 1. Too Many recent credit inquiries are recorded on your credit bureau report. 
2. Your credit report reflects a lack of recent installment loan information. 
3. Your credit report shows insufficient credit history. 

I requested the credit bureau report from the agency provided in the rejection notice to verify my credit history. 
The reason # 1 mentioned is patently wrong. I had XXXX hard credit enquiries. This transaction with citibank has resulted in XXXX new Credit enquiry dated XX/XX/2016. Please see attached Credit Bureau Report. 

I have over 9 years of credit history and no derogatory marks whatsoever, so I find it hard to accept the third reason provided as well. 

I have never taken a loan, hence there are no loans on my credit report. 

I feel that I have been discriminated against by Citibank and my credit application has been denied on frivolous grounds. 

Despite repeated attempts at contacting them, and multiple phone calls to the call center, no additional information has been provided by citibank. Even visiting a citibank location to meet a personal banker has not yielded any fruit. The personal banker noted my complaint down and said that a case number will be mailed to me. However, I have not received a case number or a follow up call from the banker since.
1.   XXXX   XXXX   2.  XXXX  3.   XXXX   4.   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX   7. Wells Fargo Bank 8.   XXXX   XXXX   9.   XXXX   XXXX   To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.
I have requested through my current lender that I would like the PMI removed from my current loan and have had difficulties in getting this resolved. I finally received a letter from them and it required me to pay a {$470.00} fee for an appraisal. I paid this fee and have waited and just received an email stating it will now cost {$1400.00} for an appraisal to see if the value on my property has increased to remove the PMI. This is not acceptable.
I opened a PNC performance checking account on its website on XXXX/XXXX/2015 since there was link on its website stating I could get {$400.00} bonus for doing that. But the bonus never appeared in my account. I contacted PNC multiple times regarding the bonus issue during last 30 days but they never properly responded to my inquiry in time. The representative of online chatting just simply gave me a reference number and ask me to wait for their response. But response never came. PNC just sent me a letter saying my case was closed. How could it close my case without even contacting me. Finally after several tries, I got in touch with XXXX of its retail escalation group. Her phone # is XXXX extension XXXX. She denied there was such a promotion on my account. She said there should be some kind of code for her to verify it. I just followed its link of opening account. There was no such code. Even now, PNC 's similar ads online ( {$300.00} opening account bonus ) does n't mention anything about code. XXXX It says " Apply online now ... .Offer will be automatically applied ''. I believe it is PNC 's scam to play customers. I sincerely hope you could further investigate on this issue.
I am in the process of purchasing a home. I had my credit pulled prior to closing and was surprised to see a collection from XXXX XXXX XXXX XXXX which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices. 

XXXX XXXX XXXX Dates : opened XX/XX/18 Reported : XX/XX/18 Collection : XX/XX/18 XXXX : {$730.00}
Experian Report # XXXX for XX/XX/XXXX. I have asked this to discontinue any and all credit freeze that they may be involved in under my name/s.I was at XXXX XXXX # XXXX in XXXX Arizona to purchase a washer & dryer and was unable to complete the order or credit card application due to inability to recieve the credit information from Experian. Also XXXX XXXX XXXX appears and they are under a class action suit for having a pick-a-payment loan that was illegal. XXXX XXXX as stated before no action or foreclosure should appear as this home XXXX XXXX XXXX was sold.This was sent to all Credit Companies and everyone but Experian complied. This was in XXXX # XXXX XXXX XXXX was found guilty of collecting an advance sum on a refinance by The State of California and bad faith, I have advised Experian about sharing information regarding myself as not to and they continue.I did not want or apply to these XXXX XXXX XXXX on my Credit as a request that I know nothing of.4 requests by XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and these things remain for 2 years.capitol 1 for an  auto loan which I did not apply for.XXXX XXXX  XXXX never applied for a car.
I closed on the sale of my house in XXXX XXXX, MO on XXXX XXXX, XXXX. The property was encumbered by mortgage held by Nationstar Mortgage dba Mr. Cooper. 

The payoff demanded was inclusive of interest through the end of XXXX which I questioned with settlement agent as mortgage is NOT a government loan. 

I have yet to receive from Nationstar/Mr. Cooper the  interest overage included in the payoff and seek to confirm this is acceptable practice given my payoff is shown as received as of XXXX XXXX and mortgagee has retained approximately 22 days of interest UNNECESSARILY. This is ROBBERY, unethical business practice by Nationstar. 

My inquiries to mortgagee via their website has resulted in their reply stating they need one week to research ....???? 

What is my recourse? Is Nationstar within acceptable standard to require this overage and withhold these monies for this long?
My mortgage company was billing me close to {$50.00} a month for a Third Party Add on Product. I have an automatic draft thru them and did n't realize the increase for for several months, when I noticed it I though it was a lender placed insurance so I called them to confirm so I could send in proof of my homeowners policy. I was shocked when they told me it was an optional insurance thru one of their affiliated companies, some type of home warranty. I had never talked or corresponded with this company prior but they insisted I must have signed up for it and I would need to call that company to inquiry further. I called they number they provided me an was given the run around, they canceled the policy going forward but would not refund the money they stole from me. They advised I must have returned a mailer or given verbal consent. I denied this and they informed me they would place a request to send me proof or a refund. It has been several weeks and have yet to hear from them. I believe this is a violation of UDAAP and feel my mortgage company should be held responsible and refund the money that they took from me without my consent.
I was scammed into signing up for the timeshare agreement by XXXX XXXX XXXX in XXXX XXXX which is a result of the charge on my XXXX credit card.The sales reps provided us several alcoholic beverages in addition to champagne. We listened to their sales pitch and we were told many things that we later found out to be untrue. Some of the things we were told include us being able to speak to customer service toll free from the US, we were initially promised a room they showed us which included a Jacuzzi both in the room and on the balcony, we were promised the ability to use the membership at any time, we were not informed we would be required to pay maintenance fees, we were not informed of the cancellation policy,. I originally requested to cancel the membership on XXXX/XXXX/2013 by emailing XXXX XXXX XXXX my desire to cancel. I requested to cancel within their specified cancellation policy. After contacting XXXX several times to confirm my cancellation request, I was told they never received my request to cancel. In response to one of my disputes with XXXX, XXXX informed again that they never received the email and if I wanted to cancel, I would be responsible for paying the administrative fees. They never acknowledged my request to cancel or the fact that their arbitration department later stated well after the cancellation period, that the membership could be cancelled after paying the administrative fees. I originally started out paying this debt because I did n't want it to affect my credit, however I have since stopped because I do n't feel I should be responsible for paying {$2500.00} for something I was misled into and rightfully cancelled. I have not been able to receive any resolution or assistance from XXXX at all. I have reached out to XXXX XXXX XXXX several times and every time I ask them to contact me or have, their arbitration department contact me regarding my cancellation, they never respond to my emails. I contacted them via phone which costed me {$34.00} for 20 minutes in which they were unable to understand me well enough to know I was trying to see if they have a US based addressed. I have even tried working with an attorney in which they informed they would not be able to assist due to jurisdiction. I disputed with the credit bureau also who recommended that I reach out to CFPB. I have included print outs of emails that I have received no response to, online customer reviews of customers who have experienced similar instances of fraud with XXXX XXXX XXXX, and the page from the dispute from XXXX in which they states my option to cancel, which they have never acknowledged. Please review Scan XXXX first and XXXX second as the second attachment is a continuation from the first scan. I have been fighting this for quite some time and I am at your mercy for some assistance. This is really my last option to get any assistance in this manner. I do not feel a company should be allowed to scam customers like this and get away with it especially when it comes to my XXXX earned money. I work very hard for my credit and I am being negatively punished her without the ability to do anything about it.
Daily for the last couple months over been receiving calls from discover. Every time I answer there is no response on the other line or machine recording or anything. Ive been on average receiving about 30 calls from this same number a day often times many back to back and has resulted in me needing to block the number through my XXXX XXXX XXXX call protect due to me needing to be available to take calls at both of my jobs and the harassing calls leading to me having issues at work. 
The video attached shows me scrolling through the calls all from this same number just from the last day and a half. Also discover somehow acquired my parents phone number and has been calling and harassing them every morning when they work nights, they have absolutely nothing to do with me debt.
In XX/XX/2018 I reviewed my credit reports and found inaccurate information reporting in my 3 bureau credit files. The account is unknown to me so I contacted the company XXXX XXXX XXXX XXXX by letter delivered by certified mail on XX/XX/2018 ( see attached letter and certification of mail ) that was over 45 days ago and I have yet to receive a response.

This company has failed to comply as per the Fair Debt Collections Practices Act and the Fair Credit Reporting Act 611 ( a ) 1 ( A ) Procedure in case of disputed accuracy. My request to XXXX XXXX XXXX XXXX regarding account number XXXX for a sum of {$20.00} is to provide via CFPB portal full validation or delete this unknown account from my 3 credit files. I have explained that this account is unknown to me and I require  FULL validation pursuant to the Fair Debt Collection Practices Act and XXXX XXXX XXXX XXXX has failed to provide me under the CREDITOR /DEBT COLLECTOR DECLARATION the following : 1. Agreement with your client that grants you the authority to collect on this alleged debt 2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor 3. Any insurance claims been bade by any creditor regarding this account 4. Name and address of alleged debtor 5. Alleged account number 6. Address on file for alleged debtor 7. Amount of alleged debt 8. Date the alleged debt became payable 9. Date of original charge off or delinquency 10. Verification that this debt was assigned or sold to collector 11. Complete accounting of alleged debt 12. Commission for debt collector if collection efforts are successful.
I went to XXXX XXXX XX/XX/2018. It was my first time there. I should have read there reviews before going there. I needed ( one ) crown on my last back left upper tooth. After waiting to go into the room, aI got several ex-rays ( at least 20 ) it was  uncomfortable and hurt when the assistant did one of them, but didnt want to say anything. After three hours the Dentist XXXX XXXX was not there and still waiting. So while waiting I overheard an upset customer arguing with the Front Desk Manager for 20 minutes at least. I asked the assistant what was going on and she told me it wasnt the Dr. it was the Front Desk Manager. I asked the assistant when the Dr. was going to be coming in, she said she has to drive a ways to get there. So finally when she came she said besides the back last upper top left tooth that needs a crown ( which I know I needed one from what my regular Dentist said, XXXX XXXX ) she said I needed another one that is eventually going to crack. So she started to do my temporaries and it was very painful, I felt the shots and when she worked on the last back tooth, she said she couldnt give me a shot there. I was there 4 hours and left. 
My mouth hurt four days after that day, and my last upper temporary came out and I had only been eating soft foods, because I never been to XXXX XXXX, I wanted to be careful, and it did feel like excess stuff was on my teeth where she worked on and didnt feel the same as when I had other crowns done before from my regular Dentist, XXXX XXXX. 

XX/XX/2018 I went to my regular Dentist, XXXX because I didnt want to go back to XXXX after what I been through. My regular Dentist re-did my temporary and said XXXX didnt even fit it properly to my tooth, ( which leads me to believe the crowns they did would not fit properly either if the temporaries were not done properly ) so I would eventually have to get it done elsewhere which is my regular Dentist. And I told him I didnt want to go back to XXXX after what happened. 

XX/XX/2018 I emailed XXXX to cancel my appointment for the XX/XX/XXXX. 

I went XX/XX/2018 to my regular Dentist XXXX XXXX to do the empressions for my crowns and give me two temporaries. I didnt feel a thing and wasnt there 4 hours like XXXX, and no pain from when I went to the time I left. I was there an hour and a half only because XXXX basically grounded my teeth down and didnt even look like a tooth. My Regular Dentist XXXX XXXX was not happy or satisfied by their work and he had to fix what they did. I left my regular Dentist XXXX satisfied and my teeth felt normal, unlike when I went to XXXX. 

* I received a letter that XXXX sent Care Credit ( and none of it was true ), I went in for only one crown, not two as they wrote. 
And I didnt show up for my crowns is not true I emailed XXXX to cancel my appointment and took a snap shot on my phone. 
And I did call XXXX XX/XX/2018 and talked to the office about the reasons I wasnt going back as stated in this statement, which in the letter they sent to Credit Care they said I I went to XXXX XXXX XX/XX/2018. It was my first time there. 

XXXX XXXX lied about the information they sent to care credit!!!!
Accounts paid credit cards do not belong to me XXXX on Experian paid XXXX see copy court papers XXXX XXXX XXXX
Best Buy has been charging me, monthly, for a service of which I never signed up. The service is something XXXX ( taken directly from my statement ). When I called in to inquire about this charge, of which has been charged to me for the last XXXX years, they told me it was for a " geek squad insurance plan '' for my iPhone. The problem here is that I would have never agreed to insurance from Best Buy for an iPhone, as I am covered, and have been covered, from XXXX for over XXXX years for all of my cell phones. I would never have agreed to having XXXX different insurance plans for a cell phone. When I asked Best Buy to refund my money, they refused. I requested proof that I authorized the monthly charge, and they were unable to provide that, either. This was a hidden and very deceptive charge, obviously, and Best Buy needs to be held accountable. I know I should have checked my statements previously for this charge, however, the monthly amount was so small and I am on an automatic payment plan ; therefore, I did n't notice until I was looking online to determine if I purchased a warranty for another purchase from Best Buy. Bottom line, Best Buy is trying to, essentially, steal money from consumers and I feel that the CFPB should investigate this practice.
I opened a credit card account at Citibank a few months ago. In the past two months I have never received a statement, by mail or email, or a notification that my statement is ready and to logon to see my account. I was just charged interest on my balance, which I only discovered due to downloading transactions in XXXX. 

I feel that charging interest and late fees without any notice is unfair and deceptive practice. 

I have checked my inbox, spam file and trash file in my email to verify that no notice was received. 

I spoke with Customer Service who refused to rectify the problem.
Coinbase.com has disabled my account and I no longer have any access to XXXX in assets. The account shoes that I can not be reactivated until I make a payment of {$0.00} There is no option to make this payment. I have emailed support for 2 weeks now with no response. Please help!
I filed a dispute against XXXX collection account on my credit for two reasons.

1.- it is reporting a significantly higher balance than actual disputed balance. It is reporting {$690.00}, actual is {$67.00}. 
2.- The prior account holder XXXX placed this into collections solely off of fees charged on known fraud transactions which i reported and requested investigation by XXXX on multiple occasions. XXXX refused to investigate transactions and refused to correct the error. XXXX furthermore refused to provide proof of debt via validation, verification, authenticity and authorization of transactions in dispute. 

XXXX {$9.00} attempted XX/XX/2018 & XX/XX/2018. These unauthorized transactions caused overdraft fees to occur on the account due to nsf. 

These transactions were Fraud, they were not authorized by me so i should not be liable to pay them because XXXX refused to work with me. 

My report however lies in Transunions complete and utter failure to not only address the concern and investigate it but to provide sufficient evidence to support their outcome. 

I requested Transunion investigate these transactions under fraud and provide sufficient evidence and physical documentation to support their outcome. They have refused, choosing instead to provide a flimsy and weak argument that the debt is valid solely based on the companies response saying its valid. Nothing additional was provided to prove this. I contacted transunion many times requesting that either they provide proof of their outcome or remove the debt. They have refused.
Have tried to set up payment arrangements within my budget with Navient and they are not willing to work with me and do NOT have any GOOD options that there clients have to choose from unless you do n't have a job, a teacher and or government worker and I am neither.By me not being able to make there payments due to my Budget my credit score has fallen XXXX points.Have tried working with them and giving them all my Bill/Budget information and they still will not work with me.
Chase bank charges extended overdraft fees which cost more than what they paid for {$5.00} I got {$34.00} overdraft fee then a {$15.00} extended overdraft fees! On XX/XX/XXXX I was charged {$34.00} for recurring fee. For {$19.00} charged {$34.00} overdraft fee and {$15.00} extended fee. These are fees from XX/XX/XXXX to XX/XX/XXXX.