WillisBack/dataset-financial-user-claim huggingface dataset:
Last XXXX XXXX is when I wrote a letter to this company requesting an investigation. After more than 30 days of waiting, I found that all the disputed items are still reporting incorrectly. Also, Last XXXX XXXX, XXXX, I wrote a letter pursuant to FDCPA and FCRA, requesting copies of validation documents with regards to the collection accounts they are reporting allegedly on my credit report. To date, I have not received any validation document from any of these companies. More than 30 days have already past and these accounts are still unvalidated. The account numbers, balances, opening dates, date accounts were assigned/sold to them my personal info, everything has not been validated. Attached are copies of the letter I sent them last XXXX XXXX and the letter I am sending them today XXXX XXXX, XXXX.
Transunion deleted and reinserted this inaccurate item twice in a week which proves they never sent me a written five day notice. On XX/XX/XXXX Transunion deleted an inaccurately reporting Bankruptcy off of my credit file and reinserted it without a written five day notice which is a violation of the Fair Credit Reporting Act. They then removed it again on XXXX XXXX and has reinserted it without a 5 day written notice. I have repeatedly sent them requests for VALIDATION which they have failed to provide. They said it was verified through the courts via telephone and I provided them a letter I personally received from the courts stating that they do not give any of that information to credit bereaus. In addition, the public records law as of XX/XX/XXXX states that a public record must contain all of the following in order to remain in a consumers credit file : Name, DOB, SSN, and address which this public record does not. Furthermore, they are reporting inaccurate public information on my file and it is hindering my ability to obtain credit. I would like for this account to be deleted immediately and not reinserted again.
THEY SENT ME A SUMMONS TO SUE ME IN CIRCUIT COURT AND I TRIED TO EXPLAIN TO THESE PEOPLE THAT IT WAS NOT MY DEBTTHAT SON HAD DONE THIS AND WOULD THEY SEND MY A COPY WITH MY SIGNATURE ON IT SHOWING I HAD MADE THE PURCHASE AND THEY SAID THEY DID NOT HAVE TO THAT IT WAS ALREADY VERIFIED.
JUST WROTE XXXX CHARACTERS OF TOTAL EVENT, XXXX XXXX NOT RECEIVING FRAUD ALERT IN XXXX 2014, WE HAD XXXX MONITORING, THEY SHOW THEY REPORTED TOO XXXX, XXXX. 
SOME ONE MESSED IN CREDIT BUREAUS REPORTS, WERE WANTING XXXX, XXXX TO DELETE ALLY INFOMATION FROM CREDIT REPORTS UNDER FCRA STATUTE. 
WIL FOLLOW UP MORE, I 'M OUT {$23000.00} IN REPAIRS, CREDIT CARD DEBT, ON SOCIAL SECURITY, XXXX, CHARITY CARE. 
NO FOOD, PAYED XXXX CARS WHEN I DID NOT HAVE MONEY/ PLEASE DO THE RIGHT THING. 
XXXX WILL NOT TAKE YOUR COMPLAINTS, XXXX CAN NOT BE CONTACTEDNEED ALL INFOMATION DELEATED LIKE XXXX. 
THEY HAD {$100000.00}, INSURENCE FOR FALSE REPORTING INFOMATION, THANK-YOUXXXX XXXX XXXX XXXX
I applied for a loan for Cashnet Usa online for the amount of {$200.00} on or about XX/XX/XXXX. The total amount due on this loan including interest and fees would be {$250.00}. I was contacted via phone by a representative of Cashnet Usa to complete the loan process and agree to terms and repayment conditions. I agreed to this and electronically signed all documents needed to complete the process, including a form to allow Cashnet Usa to automatically withdraw payment from my checking account. The money was deposited into my account on XX/XX/XXXX. I then decided to call Cashnet Usa to inquire about a different repayment plan because the XXXX holiday was near and I might not be able to repay in full on my next pay date, which was XX/XX/XXXX. The guy I spoke to asked me which state I was calling from. I told him I was in Texas. He then gave me the news I wanted to hear. I could repay the loan back over time in 4 installments. He gave me the details needed and I was relieved to know that I could have more freedom to repay. Then, on XX/XX/XXXX, Cashnet Usa withdrew {$51.00} out of my account. I felt relieved because I considered that my first installment payment. My account was charged {$52.00} on XX/XX/XXXX. A couple days later, I decided to log in to check my account balance and discovered that my loan had only been extended and not set up for the installment payment plan like the guy told me it would. The amount I owe was still {$250.00}. I called Cashnet Usa on XX/XX/XXXX and spoke with a lady named XXXX. XXXX informed me that no such arrangement had been made and that I had only extended my loan and the two payments I had made only went toward extension. I was XXXX. I then told XXXX I would like to repay Cashnet Usa back, but I wanted the automatic payments to be stopped. XXXX says that there's no way to stop the payments since I still owe them money. Isn't that unlawful? I requested Cashnet Usa not pull any more money from my account and was told they couldn't stop. XXXX then informs me that she can send me an email with the information that I need to begin making the installment payments I originally thought had already been agreed upon. While I was still on the phone with XXXX XXXX checked my email and there it was. I had to click a link and fill out a form to agree to 4 equal installment payments of {$64.00} which will be taken out of my account automatically on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally XX/XX/XXXX. Even though I had already paid {$51.00} and {$52.00}, my balance due remained {$250.00}. This is a sham. After I completed and submitted the form, I called Cashnet Usa again to verify that the form had been received and those were the new terms to my loan. I was forwarded to the collections department and was reassured that the new terms were accepted. I am afraid that Cashnet Usa will take even more money from me at this point and dip into my bank account without my permission. I check the Cashnet Usa app and the online website, but found no information on how I can get them to stop the automatic payments on my account. They are clearly taking advantage of consumers.
I was trying to figure out how these address on my credit that are not mine. This is very annoying for my job verification. The addresses below are showing on my credit report and are not mine. I need them deleted asap. I live at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove all other XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX   XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have old or unrecognized numbers showing on my XXXX XXXX report pleas ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
1. XXXX XXXX -XX/XX/XXXX, customers service would not help and take care of the negative inquiry 2. XXXX unauthorized inquiry- ( customers service would not help and take care of the negative inquiry ) XX/XX/XXXX 3. XXXX XX/XX/XXXX and -XX/XX/XXXX unauthorized inquiry- ( customers service would not help and take care of the negative inquiry ) 4. XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, unauthorized inquiries ( customers service would not help and take care of the negative inquiry ) 5.XXXX-XX/XX/XXXX, unauthorized inquiry/fraudulent ( customers service would not help and take care of the negative inquiry )
This is a follow-up to Case number : XXXX. Bank of America continued to charge me interest on XXXX XXXX. After calling enterprise customer care resolutions department, they have not returned my call hence I am re-opening this case. Thank you, XXXX
I have no knowledge of this debt. Never received anything in the mail or even a phone call. When calling this company no one was able to verify my social security number or account number that I supposedly have with this company. This debt does not belong to me.
I researched my credit report XX/XX/XXXX. I noticed that there was an unfamiliar debt on there. I mailed a certified letter to XXXX XXXX on XX/XX/XXXX regarding this debt requesting validation. Instead of offering the validation that I was requesting, they have now added this debt to another credit bureau. I am requesting that they remove this debt from all of my credit reports. As I have given them more than the 30 days required by law to prove that this debt is in fact mine.
My complaint is on the fedloan servicing lender. 
The school I attended is XXXX XXXX in XXXX XXXX, CA which does n't exists in that location anymore. 
My mom has been trying to pay off a parent plus loan that has now accumulated to over {$30000.00} because she has been qualified for low income payments. She even qualified for a little more than a year on a program where she had to make $ 0 monthly payments for 10 years and then the loan would be forgiven. Then they requested proof of income from her and because she makes more money than the year before she had to start making {$150.00} payments with an 8.500 % interest rate. I have called on my moms behalf to see if she has any options to lower the interest and they say they do n't but that she only has to pay for 10 years and then her loan would be forgiven, they keep giving her the same story. Based on the owed amount and the interest rate, she will never pay towards the principal any money. I informed them and they said I 'm correct. So I asked them " are you telling me she is basically only going to pay you interest to hold the loan and never pay the principal? '' And they said yes. I believe they are a huge scam for the practices they are doing because of course my moms credit score is not high, she does n't make enough money and she ca n't get a loan to help her pay off this enormous amount, but they keep getting her into programs that promise to " help her ''. I have read about predatory lender practices and I believe this is exactly what they are doing to my mother. I have even Googled this service and there are so many complaints out there I believe there should be an end put to them. We are honest people trying to pay off a loan that does n't seem to have an end. To make matters even worse, she just took my younger brother to attend school and they placed a new loan under the same lender. We dont understand why they did that. 
Thank you very much for all your help and your time taken to read my complaint.
My identity was stolen about XX/XX/2018 and someone opened 3 total accounts in my name. 2 of the accounts are resolved with phone calls and conversations. The third account is not. I submitted the information about identity theft, but they determined that I benefited from the use of the card for purchases in CT even though I live in PA and have never traveled to CT in my life. The third account was for a pet store. I have no pets. I closed the account immediately upon learning of its existence. 

I did not open this account, I did not use this account. I did not benefit from this account. Given the clear evidence that my identity was stolen for other accounts, this seems like an unfair and arbitrary determination by the bank. 

The bank is XXXX XXXX. The account number is XXXX XXXX XXXX XXXX My name is XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX  XXXX Dillburg, PA XXXX. 

I have attached follow up mail from XXXX regarding the fraudulent attempt to obtain a XXXX XXXX card in my name as evidence of the identity theft and A XXXX denial based on failure to verify identity.
XXXX XXXX XXXX XXXX XXXX # XXXX sued me around XXXX XXXX. We went to court and had a hearing where I filed a Motion to Dismiss, there was a scheduling order and Defendant 's First Request for Production of Documents and A Journal Entry with Dismissal by the Petitioner Attorney XXXX XXXX. Around XXXX XXXX I received a phone call from Attorney XXXX XXXX asking if I would like to settle. We reached a settlement where he would pay me {$16.00} and remove this debt from all three credit reporting agencies. The mysterious thing is that XXXX XXXX sued me, but a debt collection agency owned by Attorney XXXX XXXX named AdAstra is reporting the debt to the credit bureaus. I wrote two letters to XXXX XXXX and one to Ad Astra. I wrote and disputed with the credit bureaus and showed my proof that there was a settlement and the case was dismissed by Attorney XXXX. I have all the paperwork and evidence. I have NEVER received the {$16.00} from Attorney XXXX nor has the wrongful credit reporting ceased. AdAstra is still reporting this debt, ruining my credit, when the case was settled and dismissed in XXXX of XXXX.
I disputed the item with all of the agencies. XXXX has removed the item however I am not able to get the other agencies to remove it. 
This is the item XXXX credit report prepared for XXXX XXXX XXXX Collections Accounts Removed Since your last update on XXXX XXXX, 2016, XXXX collections account has been removed from your credit report. 




Account Type Removed Status Reported By XXXX Collections Removed XXXX
ATTORNEY MISCONDUCT COMPLAINT Date : XX/XX/XXXX Subject Property : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Servicer : XXXX XXXX XXXX XXXX  Trustee : XXXX XXXX XXXX XXXX XXXX  TO WHOM IT MAY CONCERN : My name is XXXX XXXX XXXX, I am the Trustor for this property.

My representative_XXXX  called XXXX XXXX XXXX XXXX XXXX XXXX talked to XXXX XXXX Trustee Sale Offcer on XX/XX/XXXXand gave him the information that the Temporary Restraining Order ( TRO ) is granted, requested him to postpone the sale, he said that he does not know that he can postpone it, he need to contact the loan servicer_XXXX XXXX XXXX XXXX XXXX ( XXXX ) to find out how they want to proceed the sale even he know that the TRO is granted.

My representative_XXXX  called XXXX XXXX XXXX XXXX XXXX again and talked to XXXX XXXX and noticed her about the TRO, she said the sale date isXX/XX/XXXX nothing changes. She said that if I need more information I need to submit it in writting.

XXXX called XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXat XXXX talked to to XXXX XXXX Trustee Sale Offcer to notice him that the borrower reinstated the loan, wire amount is {$190000.00}. He confirmed that the sale date is XX/XX/XXXX at XXXX.

XXXX  called XXXX XXXX XXXX XXXX XXXX onXX/XX/XXXXtalked to XXXX XXXX  confirmed the sale is active, sale date is XX/XX/XXXX at XXXX.

XXXX called XXXX XXXX XXXX XXXX XXXX   on XX/XX/XXXX talked to XXXX XXXX confirmed the sale is active, sale date isXX/XX/XXXX at XXXX.

XXXX called XXXX XXXX XXXX XXXX XXXX again onXX/XX/XXXX talked to XXXX XXXX XXXX XXXX  confirmed the sale is active, sale date is XXXX XXXX XXXX at XXXX. He advised XXXX call XXXX XXXX a paralegal for XXXX phone number is XXXX. He told XXXX that as of yesterday ( XX/XX/XXXX) he confirmed with XXXX  that no payment has been received.

XXXX called XXXX XXXX XXXX XXXX XXXX   on XX/XX/XXXX talked to XXXX XXXX  confirmed the sale is active, sale date is XX/XX/XXXXat XXXX.

XXXX called XXXX XXXX XXXX XXXX XXXX onXX/XX/XXXX talked to XXXX XXXX  confirmed the sale is active, sale date is XX/XX/XXXX at XXXX.

This law firm is not Maintaining The Integrity of the Profession Rule 8.4 Misconduct.

This law firm violated Rule 8.4 Misconduct.

( a ) violate or attempt to violate the Rules of Professional Conduct, knowingly assist or induce another to do so, or do so through the acts of another ; ( b ) commit a criminal act that reflects adversely on the lawyer 's honesty, trustworthiness or fitness as a lawyer in other respects ; ( c ) engage in conduct involving dishonesty, fraud, deceit or misrepresentation.

Attachments : 1__XX/XX/XXXXReinstatement from XXXX__XX/XX/XXXX 2__Wire to XXXX__XX/XX/XXXX 3__Wire to XXXX XXXX__XX/XX/XXXX 4__Sale Date__XX/XX/XXXX 5__State Bar Complaint__XX/XX/XXXX
I have a business account with citibank. A customer placed an order with me by phone, the amount of the invoice was XXXX USD the customer told me that he would pay with a citibank check and he would deposit on my citibank account, I told him that the funds have to be available before I can give the merchandise, he deposited on XXXX on XX/XX/2017 but it was pending, the next day XX/XX/2017 I saw my funds available online, not satisfied with this, I went to a citibank atm and printed out the available money receipt, not satisfied with this I called Citi Business and talk to a representative that assure me that the check was deposited and the funds available so the customer came with his truck and took the merchandise. Today XX/XX/2017 Citibank takes the money out of the account with a hold, when I go to the branch they tell me that in fact the deposit made on a Citibank branch with a citibank check but the account number does n't exist and that they are not liable for this that I should until they send the check to me and I should place a police report, but that they are not responsible. I would think that, inmmediatly as soon as the fake check arrived to the teller since its from the same bank they would know is fake and that they are responsible. 
Name of the Account : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX
A relative applied and received a Walmart Credit card in my name for {$150.00} limit XX/XX/XXXX. I found out about this XX/XX/XXXX and contacted the card company. I began making payments on the account of {$50.00}. per month for at least the nest XXXX or more months. They would charge me a late fee every month of {$35.00} even though I explained I only get paid 1 time a month. I have paid them over {$500.00} and they say the balance is still over {$300.00}. This is crazy on a card with a limit of {$150.00}.
I am filing this compliant because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the XXXX day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you
My rental home on XXXX XXXX has been financed with NYCB Mortgage for the past 3.5 years. My credit is excellent, approaches XXXX, and I have never missed a payment. I am trying to refinance this same exact home with NYCB that has been financed with NYCB for the past 3.5 years, to get a lower interest rate, from 4.375 to 4.0. Absolutely nothing has changed in the home since NYCB readily and easily financed this home 3.5 years ago, without any questions or reservations whatsoever. 
Currently, they refuse to refinance the same exact home, as they say this is a multiple dwelling home. I rent the home to XXXX person. She apparently has a XXXX of roommates. I do not have any problem with her having roommates, as I have nothing to do with them. I only have a rental agreement with my tenant, and receive rent from said tenant, that has lived there for 2 years. If she has a couple of roommates that help her pay the rent, that is usual and customary, and quite the norm in XXXX, where rent are high. 
According to the XXXX city code, to be considered an accessory dwelling, another stove must be present. There is XXXX, and only XXXX stove at XXXX XXXX XXXX. In the absence of said stove, the XXXX areas of the home in question can be considered wet bars, recreational rooms, bedrooms, etc. However, they are not accessory units. According to the city code, an accessory unit is defined as follows : What is an ADU? 
An ADU is a complete independent residential living space that can be created within, attached to or detached from a single-family home. An ADU include provisions for living, sleeping, eating, cooking and sanitation. An ADU can provide supplementary housing that can be integrated into existing single-family neighborhoods to provide a typically lower priced housing alternative. 
XXXX XXXX of these XXXX areas of the home that NYCB is calling " accessory units '' have cooking facilities. 
NYCB did the exact same thing almost 2 years ago to the date with the home that I live in.. After months of wrangling, heartache, and many pounds of flesh, it was kicked to XXXX XXXX , the XXXX vice president of underwriting, who realized immediately NYCBs absurd argument, and funding happened shortly afterward. Perhaps NYCB also realized I would not give up. I do n't know exactly, but do know interests rates have gone up since I locked in at my present rate of 4.0. Perhaps this has something to do with it. 
Please finance the loan, and let 's not repeat the fiasco of 2 years ago. I am a great customer and have never, ever missed a payment, although I am getting weary of NYCB 's way of doing business.
I was talked into a card I didn't need.It had perks such as a hat, tote bag and a discount.XXXX XXXX XXXX card issued by XXXX XXXX XXXX.Made a {$52.00} XX/XX/XXXX and did not receive a bill for quite a while.First bill arrived with a {$27.00} late fee.I attempted to pay the card but mu account information was not recognized.On XX/XX/18 I called and talked at length with a rep and tried to pay the balance and get the late fee expunged.XX/XX/18 a confirmation number of XXXX was assigned.Next bill came with additional {$38.00} late fee.At this point I couldn't believe this was happening and emailed them concerning the oversight, ( Picture of email attached ). Now the charge is {$53.00}, {$80.00} and $ XXXX.I am a senior citizen who has strived to maintain an excellent credit score all of my working life.On XX/XX/18 I paid the full amount {$91.00} because nothing else was working.At that point I sent an email ( attached ) to XXXX 's customer service so they would know what was happening with the card.Apparently my credit score has taken a big hit due to this unethical business practice of XXXX XXXX.
On XX/XX/XXXX I returned the leased car to the XXXX dealership in XXXX XXXX, CA as it was the last day of my lease. I even called the GM Financial to let them know that I have returned the car as I was required to do so. 
Fast forward, on XX/XX/XXXX I received an update notification from XXXX in regards to my credit report. After checking the report, I realized the false delinquency report generated from the GM Financial. Then, I checked my GM Financial account online to surprisingly/shockingly find out that I've been charged monthly beyond the official end of contract which was XX/XX/XXXX. 
After numerous ( I mean numerous ) calls and emails to GM Financial and lots of stress and being provided with lots of different information and department transfers and on multiple occasions being held on a long hold and then being hung up on. After nearly more than two weeks GM got rid of my false reported balance of more {$500.00}. Then They promised me to also fix the wrong report to XXXX  and XXXX. Which they never delivered and they ultimately asked me to do that, too!!!!

1. I did file a dispute with both XXXX  and XXXX and they both denied my dispute! I don't even think they did anything to fix my report and to help me. This is very scary and disappointing and it causes me to think that why these companies should have so much power and influence on my life, yet they are unorganized and very poorly run. 
2. I have reach out to GM Financial again, because once again there is an automatic monthly charge for me! and also I have asked them to do whatever they have to do to fix my credit report. I haven't heard from them. 
3. Why leasing a car and returning a lease car should be like this and create so much stress and financial disasters for me ( I can't show my credit any where anymore and I have gotten a rejection for rentals, etc ... ). now after all these events, where is the justice, why should GM not get penalized for this? ( I know that I would easily be penalized, punished or even send to jail if I fail to pay a wear and tear ) this is not fair. 
Please help me, you are my last resort ( I even called attorney and nobody takes my case, because there is no money in it, this is a shame ). 
Thank you