WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, I made out a check to my sons college for campus parking in the amount of {$120.00} which my son submitted to his college. On XX/XX/2018 my received an email from the schools XXXX XXXX XXXX to which the payment was made out to. They advised regarding a recent break in and a review of their records indicated that we were one of those affected due to having conducted a financial transaction ( check # XXXX ) which I had made out to XXXX. They advised my son to request a stop payment on the check I had issued to the school which was one of the checks that had been stolen. We did as advised on XX/XX/2018. On XX/XX/XXXX I noticed a debit to my account in the amount of {$3200.00} for that same check # XXXX which I had requested a stop payment on. The check was altered by the perpetrators and submitted to XXXX XXXX for payment to XXXX XXXX. Even the date on the check and memo field were changed. 

I contacted the bank immediately and submitted the required notarized affidavit of forgery, counterfeit or unauthorized remotely created check form required to file my claim. 

I have been in contact with the Citibank dispute team ( XXXX ) for the past 2 months and have been advised that they are working on my complaint. Here is one complaint number I was given which I hope is a real complaint filed upon my request # XXXX. 

What concerns me is that I placed a stop payment on the check in question and it still was cashed. Was this check not flagged for possible future forgery? 

I have a mortgage and other bills to pay not to mention that I now have to close out my checking account and open a new account. It concerns me that the available funds that I have left in my account and the next incoming direct deposit could be compromised as well.
In XXXX of 2014 I went to emergency room XXXX, they gave me an antibiotic and said that if I became XXXX I should go back immediately. 
2 days later I became XXXX in the middle of the night and went back, after several tests and XXXX, the doctor said that their previous prescribed antibiotic was wrong and had caused the XXXX. 
All of the charges they are trying to collect comes from their wrong medication that they gave me and nothing else. 
I 've told this to the emergency room accounting staff as well as the collection agency.
The calls began about 2 months ago from a variety of phone numbers, I would answer and inform them that the debt is no longer mine as my ex husband took it in our divorce agreement. They would argue with me and tell me that is n't how it works before I would hang up on them. 

The calls came 5-6 times a day and recently I 've asked them 5 times, through mail and phone calls to remove me from their call list and not to call me. Every time I ask they try to get argumentative with me and I hang up. 

I 've told them if they continue to call me I would be filing against them because this is getting awful. They purposefully call me on my phone I use for work, while I 'm at work.
I have tried to correct this. I have received SEVERAL calls from XXXX XXXX  regarding this matter and STILL not resolution. ACTUALLY it is now WORSE. Spoke to someone Friday, they told me to dispute, spoke to another person the same day told me NOT to dispute that it would correct over the weekend feed? NOW today someone else calls from XXXX with no obvious knowledge of ANY calls and tells me it is ok now.? Well it is NOT, it is NOW worse. AND STILL SHOWS A BALANCE? What is going on here. Now it shows REPOSSESSION??? which was NOT there before ONLY EQUIFAX is showing this. I called them again today and they said XXXX sent them the information? And still a XXXX balance on my report. this has NOW cost me on my new car loan {$60.00} more per month because of this error/ Multiply that by 72 months ... .MORE THAN THE ORIGINAL AMOUNT EVEN OWED. Tired of the runaround and the false promises. I have tried to call XXXX ... 7 times today ... and have gotten NO WHERE. i want this resolved NOW ... .do i need to get legal representation to resolve this?? I want a CALL TODAY by XXXX.
I received a credit report attributed to me ( my credit report ) from XXXX and XXXX. The gross errors are alarming together with the facts that I am falsely accused of an address I never had ; a bank account at a bank I never had an account ; a spouse listed which I never had ; a middle initial I never had ; a similar name to mine which belongs to someone else and has the same middle initial but a different middle name ; and the list goes on. It keeps listing a student loan outstanding. I never, ever even had a student loan or used one. And the list goes on.
I have phoned Bank of America credit card services about this many times. I was sent samples which I paid for. When I received them I did not use them as I was not happy with the ingredients. I tried to cancel anymore products being sent to me but there is no phone number, address or email on their website. I ave been charged XXXX by youth again face cream and the disputes department will not credit my card. I never received anything other than the samples.
In XX/XX/ 2018 I sent letters to XXXX, Transunion, XXXX and XXXX XXXX asking for proper verification of a two bankruptcies that on my credit reports. None these companies were unable to provide direct verification from the bankruptcy court of XXXX Ohio. I have a letter from the bankruptcy court stating they don't provide information directly to credit reporting agencies. In fact XXXX  states on it dispute reports that they use XXXX which is a third party to verify this information. Outside of getting dispute results reports back none of these companies have sent me how exactly they are verifying this information that is on my credit report. I have asked several times and they are unable or unwilling to provide additional information.
Hello, on XX/XX/2016 I called Avant to pay off my account the person who help quoted me {$1900.00} to pay off my account that same day I made payment after she quoted me the payoff to closed acct. I been in the finance industry for over 10 years and i know when i get a call from a customer asking for a payoff we quote them an amount for that day to closed the acct. and end story. well Avant gave me the payoff and XX/XX/2016 i made payment and the next day they went ahead and deducted the monthly payment of {$190.00} the next following day XX/XX/2016 which I put a stop payment because i already had made a payoff on XX/XX/2016 they even sent me a letter saying after i had made the payoff amount of {$1900.00} my acct was XXXX balance. well Avant has been harassing me saying that I owe them now almost {$1000.00} and I totally disagree. they reported to my credit as my acct being on default. they claim that the payoff they gave me didn't include that payment that was due the next fallowing date. how is this even right? when you ask for a payoff to closed acct all fees and payments need to be included. 

I hope you can assist with this matter. 

Thanks
Was checking  my credit report found an account of a credit card that i never owned showing in the negative on my credit report. The credit reports show the card was issued by Bank Of America (BANK OF AMERICA #XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX (XXXX) XXXX Date Opened: XX/XX/XXXX
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Balance: $XXXX
Date Updated: XX/XX/XXXX
Payment Received: $XXXX High Balance: $XXXX 
Credit Limit: $XXXX Pay Status: Current; Paid or Paying as
Agreed
Date Closed: XX/XX/XXXX
Delinquency of 30 days in XX/XX/XXXX and in
XX/XX/XXXX< I called Bank Of America because i have no knowledge of this account nor the negative report on my credit. I called the Bank Of America credit card company  was told by the credit card dept that they do not have anything in their records showing that i ever had a credit card with them and there was nothing they could do ( spoke with representative XXXX from the Arkansas Bank Of America credit card department) I need this problem and error fixed and my credit report corrected.
A dispute was filed but the issue was addressed XXXX XXXX 2016. A company XXXX reported the account paid in full and the account was closed. A XXXX XXXX with Equifax stated that thye company XXXX did not submit the updated information. I explained that I spoke to XXXX before calling Equifax and it was stated to me that all the credit bureau 's. XXXX XXXX again stated that no updated information was submitted to them. The account was paid off XXXX XXXX 2016 ; the letter was forwarded to me from XXXX XXXX XXXX 2016 ; and I spoke with XXXX XXXX XXXX 2016 before I call Equifax and XXXX told me the same thing '' We report to all XXXX credit bureau 's. '' Equifax failed to of chose not to make the changes to my credit report. And XXXX XXXX indirectly confirmed that. because the other XXXX bureau 's made the changes ... Equifax chose not to. This needs to be corrected now not in 30 days or 45 days. It should be addressed NOW.
My signature was forged on a student loan document as a guarantor for which I had no knowledge of. When defaulted, I was not notified as lender did not have my address or any other info about me. When I discovered, I made payments, in spite of not owing, and eventually paid/satisfied the debt. Creditor has reported to credit bureaus that any disputes have been paid and resolved, yet credit bureaus have not deleted this erroneous listing from my reports, in spite of creditor 's request.
The company, Experian, refuses to verify to banks that I exist. Therefore I am unable to access my excellent credit history which should show records from 1988.
This collection agency is trying to collect a debt I already paid over a year ago. They never made any attempt to contact me via telephone or letter informing me of such. I only found out because of an alert with a credit monitoring system I have. They never notified me giving me an opportunity to dispute the debt and show proof that it has been paid. The original creditor hired them because I threatened to sue them regarding another matter. They are purposely trying to hurt my credit and it has worked thus far because I have been denied credit baised on their fraudulent actions.
I have an illegal in NJ payday loan that I applied for online before I knew it was illegal because of the interest rate. My interest rate is over 200 %. I 've made high payments and have barely touched my loan.
Citibank N.A negotiated with me a cancellation of debt in XX/XX/XXXXon a consumer revolving credit line, and I reported the amount as income on my tax return and paid any tax 's due.

I was provided a XXXX  with remarks " Cancellation of debt '' and " discharge of debt '', and further a letter from the Vice President saying that they will not longer attempt to collect the debt. I have sent both of these to Citibank N.A.

Fast forward to XX/XX/XXXX, Citibank N.A is now reporting the account on my credit reports as 90 days late every month all the way back to XX/XX/XXXX, with the entire balance still due, and refuses to remove the information and tells me only that I can pay them the full balance due as the debt is now still valid. What a scam!

The only representative that I was able to contact me hung up on me, when I was politely asking questions and sharing my proof that I have in writing.

I need the CFPB 's assistance as this is damaging my credit and potentially costing me huge amounts in higher interest rates due to Citibank 's wrong information.
I'm filing this complaint 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 30 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. Current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely PARROTING information received from other sources. That means that you can't just verify my account by telling me it is verified, or telling me you contacted the creditor and the account I disputed is Verified. I'm a victim of identity theft and I submitted a copy of Proof of Identity my Driver License, Social Security Card, Utility Bill, Federal Trade Commission Identity Theft Report Reference number : XXXX, XXXX XXXX Metropolitan Police Report No : XXXX and a copy of the Fair Credit Reporting Act Section 605B Please resolve this manner as soon as possible. Thank You
We began trying to refinance our home on XX/XX/XXXX. After providing all of the " typical '' documents needed after the initial approval, we moved on through to the closing disclosure process when our lender checked our credit once more before actual closing only to find some issues on our credit reports. We disputed a few accounts, two in particular, one being XXXX XXXX XXXX XXXX XXXX, which was reporting my Chapter XXXX Bankruptcy as though it had happened in XX/XX/XXXX. I filed on XX/XX/XXXX and the discharge was granted on XX/XX/XXXX. As a consumer, the reporting verbiage is quite vague and often does not come across in an adverse way until you try and apply for a loan. ( I realize the accounts included in the bankruptcy are adverse or derogatory for 10 years, however, they should be reporting accurately as to the filing date of XX/XX/XXXX, which is over 3 years ago allowing for us to move forward on an FHA refinance ). However, they are reporting as though the bankruptcy was discharged as recently as XX/XX/XXXX and kicks us right out of being able to close on our loan ... yet again. When we first filed a dispute with all three bureaus regarding the inaccurate reporting, it was supposedly corrected on XX/XX/XXXX and reporting as it should. However, after that initial dispute was resolved, a new one began leading us to the current date. That was resolved on Monday, XX/XX/XXXX so we thought we were good to go to finally pick up where we had left off and proceed with the documentation to get the loan closed. Our lender ran another credit check only to find two of the former accounts we had disputed and were told were resolved were reporting inaccurately yet again. We are now back to square one. Losing out on yet more money each day that passes, our initial interest rate, which was much lower in XX/XX/XXXX than it currently is now and have to wait for this to be resolved yet again in order to try and move forward again.I am providing the initial dispute documentation, the successful fax email I received from my lender for that dispute, my full schedule providing the filing and discharge dates as well as how they are currently reporting incorrectly compared to an account that was also discharged in my bankruptcy and how it reports accurately to illustrate the difference. I am also providing all email correspondence in regards to this previous dispute already initiated and supposedly completed in XX/XX/XXXX.
I had contacted eqyifax to remove an item placed twice. XXXX XXXX had purchesed account from XXXX and the amount XXXX states is incorrect XXXX and it should be XXXX
XXXX and XXXX are reporting past due on the OneMain account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. I have disputed this directly with the two bureaus and still this has not been corrected. It is impossible to be late on payments that have a {$0.00} balance and {$0.00} past due.
***THIS IS A NEW CLAIM. *** On XXXX XXXX, 2015, I received an automated call requesting that I return their call. When I immediately returned the call, it was National Credit Adjusters. I believe this call is in violation of the Telephone Consumer Protection Act and/or the Fair Debt Collection Practices Act. I immediately called the number given on recording. I explained that I have a complaint against the company and will not settle the debt until the matter is resolved.
This company posted a debt to my credit report that is not correct and should not have been reported. I disputed the debt and they still chose to post to my report. No phone call or nothing. By law I have the right to dispute a debt. 
I never lived in the apartments they claim I owe money too.
Hello My name is XXXX XXXX I have XXXXitems that have been removed from Equifax Credit report my Equifax credit score report is only reporting XXXX removed this is error all XXXX items that have been removed should be reflecting on my Equifax Credit Score not just XXXX .I 'm in the process of buying a home and ca n't because Equifax is n't reporting these items this needs to be fixed as soon as possible. 

Thanks XXXX XXXX
TransUnion XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX date:XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. XX/XX/XXXXc-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXXXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX
I am still experiencing issues with USBank. my home is still deteriorating since last year but the foundation has gotten worse since our last flood. I had XXXX companies pay a visit to me to replace my furnace and hot water tank, and I was denied both times due to the foundation and other issues that the flood had caused. I did contact FHA today XXXX/XXXX/2016 regarding this issue, and they recall an e-mail that I submitted to US Bank that was unanswered. I have been searching and requesting the corporate number which all departments have fail to do. so I have no choice but to file again.
I had lost my job and was late paying one day for this company and tried calling them to tel l them of my demise. Only to be told that they could not do anything for me. I was attempting to pay the debt but with late penalties and other, I could not do so as i continued to have money problems. i called to ask them if they could work with me and they said no. i was paying when i received a bill from them but they stopped sending bills after the credit company took over. i did try to locate old bills and pay them monthly. 

they served me with a summons after the date that they said i had to respond. i had tried calling a month prior when i received their first threatening letter but no one answered so i just sent a money order. i was not sure who the debtor was. the complaint stated i did not attempt to pay the debit which is a lie. also it was forcing me to sign the complaint and said i had no objection. when talking with the person on the phone, i did state that i was not even sure who the creditor was and they finally told me after a few minutes. i made payment arrangements and they sent a further stipulation agreement to which i felt compelled to sign but under duress. point though is if this company had worked with me in the first place, this all would not have happened. and on my credit report, they say i am like three years behind in payment ... another lie. i have been sending money orders all along. i am not even sure if this is the right balance. sorry for not capitalizing my letters, my computer messes up when i do. thank you for your time and consideration.
I receive a loan for a new furnace. I was told if I paid {$150.00} a month there would be no interest. I have paid this account way ahead and have been charged interest and late charges by Wells Fargo National Bank. I should not have been charged either interest or late charges. on a paid ahead.
PORTFOLIO RECOVERY ACCOUNT NUMBERs : XXXX and XXXX-XXXX and XXXX FAX NUMBER : XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO RECOVERY XXXX and XXXX-XXXX and XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX