WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX SunTrust Bank submitted a report to XXXX XXXX XXXX that I had or attempted to commit fraud through the checking account I had with them. I did not attempt to commit fraud or in anyway try to break the law. There was a check for {$2.00}, XXXX dollars that I had received by mail that I deposited in good faith through a SunTrust bank ATM to my checking account. I later received an email stating that the check had been placed on a five business day hold and funds would not be available until after the hold time. On XX/XX/XXXX, I received a letter stating that the check 's payee bank could not be verified and the deposit would be reversed and I would be charged a {$15.00} fee. I accepted the results and assumed that the original check amount would be reversed and the fee charged to my account as stated in the letter. Within two weeks SunTrust Bank sends a report to XXXX XXXX XXXX that fraud or an attempt was committed by me on my account. Since XXXX, I have tried to contact the department of SunTrust Bank that submitted the report, disputed the report with XXXX XXXX XXXX but have only received the run around from SunTrust. I have the most recent report from XXXX., and as before it has a report of fraud from SunTrust Bank but there is no loss or transaction listed to support the fraud accusation. My question is how could there have been fraud attempted when the deposit was on hold for 5 days, no withdrawals or transactions made or paid against the held deposit and during the hold time SunTrust was supposedly communicating with the payee bank of the check I had received?
I was contacted on my cell phone on XX/XX/XXXX and a message was left by someone identifying themselves as " XXXX calling from US Bank on behalf of XXXX XXXX '' and asked me to contact her at XXXX and provide reference number " XXXX '' I did NOT return this call. 
I then received a letter in the US Mail on XX/XX/XXXX that was dated XX/XX/XXXX with the only letter head identifying : " XXXX XXXX '' at XXXX. XXXX XXXX XXXX, ND XXXX. 
The letter informed me that they had received an application for an account with my name and personal information on XX/XX/XXXX via the internet. 

They then identified themselves as : XXXX W Fraud/Risk Analyst Toll Free XXXX ext XXXX Fax XXXX I did NOT call them but did call the Fraud reporting line at US Bank Credit Cards and they verified that none of the numbers in the above letter are in their data base and they believe it is likely fraudulent. 

On the internet search I made it appears that MANY people have received phone calls from the XXXX number listed above. 

Thank you!
On XX/XX/2018 letter from Transworld System. Informing me I owe XXXX. 
This is 3rd letter from a third party collection on XXXX account. I have written to Attorney General & FCRA on this same XXXX  account. I have copies. 
I would like notify Tranwworld System this account should be handled with XXXX only. 
I always informed XXXX that we could go to court on this unjust issue. Now I realized that I will have the lawyer mail Intend to sue letter. Senior Abuse I am a XXXX XXXX XXXX XXXX survivor trying my best to take care of mother with XXXX. 
I am on Social Security can be verified. I do not need anyone to mess up my credit report with unjust claim of me owing something. All other collection company gave them file back. 
I do not truly believe Transworld is aware of this situation! 
So I am being hope that you will do the right thing. 
Thanks hope hear from you soon.
This company from XXXX XXXX, OK states that I owe {$51.00} to a company called XXXX XXXX XXXX from XXXX, Florida and they have stated that they have investigated this amount owed on my behalf with the creditor XXXX XXXX XXXX that they work for and they have stated in their letter that they are sending this information to the credit bureaus in the meantime without letting me dispute it first and receive a detailed invoice and/or statement for these alleged charges. These people are definitely a bunch of crooks and they are saying that they follow the FCRA which is totally false and misleading. They have never given me any reasonable time to dispute these allegations.
My mortgage switched to nationstar last XX/XX/XXXX from XXXX and now is Mr Cooper. They have my ledger incorrect. I have money missing, and theyre not post my mortgage payments as paid. Ive been trying to close on a refinance for months, as the my new bank is waiting for Mr Cooper to get my payment history corrected. Ive spoke to numerous people without  getting anywhere. Ive escalated it to a Manager, whom seemed to not care. He gave me his callback number, I called four times and left a message without a callback. My ledger is still not correct, and I have absolutely NO idea where they have been putting the money Ive paid them monthly. 

I have copies of personal items, I will share at a later date
Equifax hack A suggested action by consumers in light of this data exposure is to have a fraud alert and/or credit freeze placed a
t the 3 credit reporting companies. There is a fee for this action. My complaint is why should consumers have t
o pay to protect themselves when Equifax negligence is the reason for the exposure.
These services ( freeze, fraud alert, etc ) should be provided free of charge and Equifax should be more proactive in taking these steps.
I have contacted equifax credit collection agency four times regarding this issue and disputed it. They refuse to remove in the comment sections, " consumer disputes, reinvestigation in progress ''. There are XXXX entries from XXXX and XXXX entries from XXXX XXXX XXXX. I am trying to get an FHA mortgage and close on a loan in 2 weeks. Their guidelines state I ca n't have any open disputes on my credit report. These XXXX creditor have XXXX entries together. I have not done business with these creditors since 2011. My loans were transferred or sold by them to another lender. I just need the words " consumer disputes, reinvestigation in progress '' Please have them remove them asap so I can get my home loan. I do n't want to lose a home I really want to own. I have a really good credit score. When I call equifax I get someone in XXXX. They ca n't understand what I say. Please help me. I have attached the XXXX entries. Please see what I am looking at in the comments section.
Ford motor credit is reporting inaccuracies on all three credit report. I have pictures which I will attached. I want my credit reports to be accurate as possible. Since there is no real VALIDATION of these I am asking that these get erased please. I 'm looking g to purchase a home and need my reports to be true and correct. I have sent a letter in the past asking for this to be fixed. Thank you in advance.
I was scammed out of {$800.00} on XXXX. The lady pretended to be my former supervisor stating the government was giving out free grants. She said I qualified but needed to pay a fee. I sent the money through XXXX. I sent it to XXXX NC XXXX. She picked up my money at XXXX The text number she used to stay in contact with me was XXXX. Another text number that was used to contact me was XXXX.
This agency, Contract Callers Inc, appeared on my consumer credit report. That was the first time Ive ever heard of this agency. They did not attempt to send me any mail regarding this alleged debt prior to reporting it to the credit bureaus. After seeing it on my report, I mailed this company a letter in XX/XX/2018 requesting them to verify this debt as required by law. It is not XXXX of 2018 and they are still reporting this on my credit report and failing to remove it from my report I have also attempted to contact the credit bureaus and have them verify this debt. They also are unable to verify and continue to report.
THIS LOAN WAS SOLD TO SETERUS BY XXXX. THE STATEMENTS WERE MAILED TO MY ADDRESS INSTEAD OF MY PO BOX IN XXXX. THERE IS NO MAIL DELIVERY TO MY ADDRESS OR ANY IN THE TOWN OF XXXX, ONLY PO BOX DELIVERY. I DID NOT GET THE STATEMENTS AND, THEREFORE COULD NOT PAY THE BILL. I WAS NEVER LATE ANY OTHER TIME. IT SHOULD NOT BE REPORTED AS A LATE PAYMENT.
I lived in XXXX XXXX several years ago. When I moved out, I completely cleaned the apt including vacuuming the floors, but did not shampoo them. I was not told this was a condition of getting my deposit back. While I lived there, I had a large room sized carpet in the living room that completely covered their carpet. The tubs were painted prior to my moving in. During my time there, the paint chipped off several places. I reported this in writing and they offered to come repaint the tubs, but I would need to be out of apartment for 4-6 hours. I am a nurse and work many long hours. I had no where to go to sleep for 4-6 hours, so I lived with the chipped paint. Once I moved out, after several months, I received a statement saying I owe over {$1200.00} for " damages ''. I immediately called. They said they would send me pictures of everything they considered " damage '' I never received these pictures. They sent an itemized list of things they were charging me for, most of them were the routine make ready every apartment must do. One item that stuck out was the charge to repaint my tubs. I called and reminded them these were maintenance issues I had while living there. They sent me another letter stating they were removing this item from my " amount due them '' making the new amount due {$900.00}. I called again and told them I have not received any pictures of damage and knew I did not damage their apartment. The flooring in the kitchen and bathrooms is from a roll of linoleum. They said I scratched it. It is very cheap and soft flooring, and it did have a few areas that were not perfect, but it appeared to be normal things that happen. Since I know I had their carpet completely covered, I knew I did not damage that, but they listed a cost to completely re-carpet the place. I think it is criminal that apartments believe they can charge people for maintenance that is not theirs to pay, and that they have the power to arbitrarily send it to a credit reporting agency that takes it as gospel. I disputed this and requested the documentation to back up these charges which I did not get. I requested to know why they keep changing the amount they are holding me hostage for. I did not receive any documentation from XXXX XXXX, only a comment on my credit reports saying the claims were " verified '' I 'm not sure what " verified '' means, but it does not mean true or accurate.
There is a company called United Check Recovery their number is XXXX ext XXXX and fax XXXX. This scam company acquired my mobile number and work number. A woman by the name of XXXX XXXX called claiming that I owed a pay day loan back in 2009 for XXXX. I dealt with the original creditor XXXX and cleared my name and identity due to Identity Theft. The original creditor was sent a Police Report & validation letter that was notarized and a letter from my attorney at the time. XXXX XXXX of United Check Recovery XXXX read off the last XXXX digits of a social security number that IS N'T mine. She started to read a current address that was obtained only 1 1/2 yrs ago as well as phone number obtained only 1 1/2 ago. She said she found my information through a system called XXXX. I told her I have been a victim of Identity Theft and I have an attorney. She then put me on hold to speak to their Identity Theft Department. A gentlemen by the name of XXXX XXXX came on the line. He then started to prob me, I told him I am late and I do not have time to revisit the same material as I did with XXXX XXXX. He gave me a fax number to send my information too. I also never received a letter from the original creditor nor did I receive a letter from their company United Check Recovery XXXX of proof of debt validation. There were no documents involved, just messages left at my place of business and mobile, along with harassing and probing communications.
XXXX fraudulent checks were posted to my checking account, XXXX for {$5900.00} and XXXX for {$890.00}. Neither had any signature on them - the signature line was blank on each. Upon seeing that my account was depleted of funds, I reported the fraud to Chase and froze the account. They tell me it will take up to 30 days to hear back from the investigation and get my money back from the other bank, even though the checks are clearly fraudulent. They also tell me there is no system for me to track the progress of my claim, and they 'll let me know if they need anything else.
I was looking at my XXXX credit report on XXXX XXXX, 2017 and noticed it is still showing XXXX XXXX as open with a balance of {$3400.00}. I paid this loan off on XXXX XXXX, 2017 at {$3400.00}. Why is this still showing up two and a half months later? When I go to my XXXX XXXX account, it shows paid in full with a {$0.00} balance. No doubt this is impacting my credit score. XXXX is supposed to be some sort of great credit monitoring product but I do n't see any meaningful benefit from my membership. After contacting them via email, I never got a reply.
In 2004 I file bankruptcy and these old accounts reappearing. With new dates, I dispute with credit Bureaus but do not remove
I have contacted GM several times over the past year regarding online bill pay issues and my issue has never been resolved. In the past year, the payment system had issues, went down, reported the incorrect amounts due, the auto pay stopped working for us on only 1 of our accounts ( we have 2 loans through GM and money is taken out of same bank account ). At one point for 2 months, I received a message through the online portal that the system was experiencing issues and " nobody would be charged a late fee or be reported to the credit bureaus ''. This was a lie. 

I have attempted to resolve this issue several times with no success due to never being able to figure out what the issue is with the customer service team. Now my credit report states that I have been late in XXXX, XXXX, and XXXX. I have another account through GM with the same bank account, and have never been late. This account is the only one I've had issues with and getting them resolved seems impossible. My perfect credit score has been ruined from this experience. The lack of customer service is appalling and uncalled for. I just spoke with a woman on the phone who did not listen to a word I said and basically told me I was lying about what I was telling her and arguing with me at every turn. Instead of trying to understand, she just kept interrupting me and finally I asked to speak with a manager. I was transferred to XXXX who was equally as unhelpful. 

Previously, last week on XX/XX/18 I spoke with a man in customer service who told us that the past due amount was {$40.00} and we could pay it online and all would be fine and all would be caught up and if we disputed the issues on the credit report, he would enter a note so that the errors were corrected. He never said that we had a past due PAYMENT. We paid the amount of {$40.00} and now the system says we owe over {$1000.00}. I can not seem to get a straight answer of what happened or where the error occured because I'm not being heard. Because of this, my credit score has been affected and I believe that is unfair due to the fact that I have been calling in and communicating via the online system and still am having issues that clearly haven't been resolved. This is one of the worst experiences I have ever had paying any of my bills. I'd like to have this resolved immediately however the only thing I am hearing from the customer service department is " I understand, there's nothing we can do over the phone. '' The manager also said she wasn't responsible for what her employees say and told us he failed to write notes in the file based on promises that were made.
Please note that I was rudely contacted as was my family by someone who would not give their name, fooled me into providing my personal information ( last 4 digits of my social security number ) and stated I have an account for an internet loan. I am XXXX years old. I did not take out an internet loan, and they will not stop harassing me by phone or my family members. I have requested a cease and desist, but they continue to call, make threats, wo n't provide any documentation, and over disclosure my personal details that they have.
I secured  a   XXXX   XXXX   home equity loa n   XX/XX/XXXX  fr om AmTrust Bank in  XXXX   XXXX , Fl. The loan was to be paid off within 15 years from the date of the loan. There was never a discussion or agreement or notification that the loan provided the bank the right to call for full payment anytime after the first year. The bank in possession of my loan is New York Community Ba nk (   NYCB   ) in   XXXX , Ohio.   I received a letter from  NYCB      XX/XX/XXXX    t elling me my loan was to be paid in full     XX/XX/XXXX   .  I responded by letter that there was no way I could repay the loan in full and reminded them that the loan was for 15 years no t 10. Many lette rs have been trad ed and NYCB insisted th ey were within their rights to call the loan   XX/XX/XXXX .    Their arbitrary due date has passed. I continued making payments and my   XX/XX/XXXX   payment was returned to my bank and I received a letter advising me that I owed over  18K a nd that it was past due.   The bank has sent me mortgage assistance forms to verify my inability to pay the loan. I am very uncomfortable returning documentation with my signature to a bank that operates in the manne r of NYCB..
On   XXXX   XXXX   XXXX    ,  US Bank  allowed {$9200.00} to be fraudulently stolen from my checking account via  XXXX  counter withdrawals in another state ( {$5200.00} in  XXXX , WI and {$4000.00} in  XXXX , WI  ) in  wh at may have  been an inside job. We believe a bank employee turned off my fraud alert that should have contacted me when the account dropped below {$10000.00} and then they did not follow their own policy for sign off on a large counter transactio n ( the branch manager confirmed this in the   XXXX   police report ). They refused to provide access to any  video surveillance, lied to the police that they did not have any footage, as conveniently their system was being switched over during that same time. Additionally, they claim none of the individuals work there any more. They did not follow proper procedure to keep my money safe, were negligent at best and complicit at worst. They are hiding behind a 30 day window to avoid returning the funds that were stolen. I was never notified or contacted in any way about the large amount of money ( despite having fraud alerts in place ), and only discovered it myself through a routine evaluation of my finances. The signatures for the withdrawals clearly do not match my signature on file. I was at work  XXXX  medical students in my home state of Illinois during the thefts from my account. All they would need to do is to look at the tapes of the theft to know who is involved, which they refuse to do.
This company Alliance Group and Associates, LLC has contacted me on numerous occasions over the last 2 months, about a debt that is not mine ( it is supposedly my husbands ) They are extremely rude and hang up on me when I am trying to get verification. One particular man XXXX XXXX threatens and terrorizes. I have looked up his phone number and found several other people who he has terrorizes as well. A woman named XXXX refused the let me speak to a manager, and hung up on me. A man I spoke to this morning said he has worked there for 30 of his XXXX years on earth as well as being a XXXX veteran. I have asked for verification several times. They tell me they can not and will not verify until there is a payment made. No payment will be made until I receive verification. They tell me that the laws I have researched extensively are wrong that they do n't have to verify anything. It has already been done. I am now the one who pays all bills as well as the one they need to speak with I verify all information they need but they refuse to do the same, I have asked them to stop calling me since it is not my debt but they refuse and especially XXXX XXXX has told me that he will continue to call and harass me even though I am not the one who owes. Been hung up 4 times and people refuse to allow me to speak to a manager. All very rude.
I have a loan with XXXX/TD. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and XXXX/TD with no successful resolution. XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
I have several accounts that are not mine they were opened from my identity being stolen and are fraudulent i have new copies of police report with the accounts listed and an identity theft affidavit notarized ftc listing all of the fraudulent accounts. the report # XXXX XXXX XXXX is the XXXX badge # XXXX
I sent this company a dispute letter dated  XXXX   XXXX ,    2017.  Here I had pointed out some blatantly incorrect trade line information that my credit report contained. I waited the allotted 30 days only to find this company had not rectified my report.  <P/> At this time I am reaching out to the CFPB and asking they investigate this company, as on the BBB website I have found thousands of complaint against this company where folks were suffering from the same mistreatment as I have.
I sent the Weinberg Mediation Group a validation debt letter, and cease and desist letter. They continue to call and  harass my mother and I.