WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2017, I ordered three {$500.00} XXXX gift cards from XXXX ( i.e. from the " Blackhawk Network '' ). The cards never arrived at my home. When I followed up on XX/XX/XXXX, I learned that the cards had already been used, so, presumably stolen while in the mail to me and used by the thief. One card had one fraudulent transaction in the amount of {$490.00} ; another had six fraudulent transactions totaling {$490.00} ; and the third had three fraudulent transactions totaling {$91.00}. 

The remaining funds on the cards were then blocked. I was instructed that a " dispute form '' would be mailed to me, which I received in late XXXX, completed, and returned via email ( to the address XXXXXXXXXXXX ) on XX/XX/XXXX 

I received no confirmation that my dispute forms had been received, so I followed up in XXXX and confirmed with the company that the disputes were in progress. 

Today (XX/XX/XXXX ), I received three letters from the Blackhawk Network, each dated XX/XX/XXXX, demanding additional supporting information that it is not possible for me to provide. For instance they request " a copy of the front / back of the gift card '', which of course I can not provide since the gift cards never reached me. The letter also asks for another copy of the dispute form that I already provided, and threatens to close the dispute if I do not respond within 10 business days of the date of the letter [ i.e. two days from now ]. 

I intend to respond immediately as best I can, but in order to protect myself -- and due to the exceedingly slow response time by the company [ I have been without more than {$1000.00} for nearly two months ] -- I am now also filing this CFPB complaint. 

In the " account number '' section I will list just one of the three relevant card numbers, but I intend for this complaint to cover all three.
I have been more involved on what 's being reported n my credit report. I signed up for XXXX and XXXX XXXX and noticed that there were a few collections on my report that I was not aware of. I called the original creditor which was XXXX XXXX XXXX XXXX and spoke to a rep. I provided my information the rep and informed her that XXXX XXXX XXXX is reporting me to a collection agency stating that I had service with them. I provided the rep with additional information to search for tis account that 's in collections and the rep provided me with an address that I have never resided at. I informed the rep that I have a fraud alert on my credit report due to my identity being used before which the rep noted on this fraudulent account she pulled up. I thought that would have resolved the issue, but it was still being reported on my credit report. I then disputed online to the collections agency who is reporting me in which after the investigation the results was that the debt was valid. I reached out to them numerous of time asking for proof, or documentations with my signature but they were unable to provide me with that information. I have never lived at the address that was reported on that account, I have also never agreed to this fraudulent debt being mine, and never owned any debt to XXXX XXXX XXXX
On XX/XX/XXXX I opened my account at BB & T and I made about 3 deposits and now as it is XX/XX/XXXX I have about 3 to 4 overdraft fees up to {$180.00} dollar and I don't know why.I would like this issue resolved.

Thanks
Ocwen loan servicing let a forged mortgage be obtained with my name, they agreed it was a forget and removed my name and liability from this mortgage, as of XXXX XXXX this mortgage and 15 late payments showed up on my credit score driving it down XXXX points as I am in the middle of finding a home to buy, these late payments need to come off immediately, I have no liability for this loan, Ocwen agreed not to put any further actions on my credit, please help this be removed as well as late payments immediately, Thank you
XXXX XXXX continues to place repeated calls to distant relatives 4-5 times per day. This is my second complaint. My ONLY contact number is XXXX. Any calls to anyone else should be stopped immediately. This is harassment and should not be allowed. They're calling anyone that they can find online that's ever been associated with me and that should be illegal.
I did not know the debt was due until i looked on my credit report. I have sent documents to this business asking to prove claim and to fill out the disclosure statement i attached and I did not receive a response.
On XX/XX/2018 I submitted an online dispute via Experian for collection agency XXXX XXXX XXXX XXXX. There were 3 duplicate XXXX XXXX XXXX collection accounts reporting on my credit report, 2 with positive information, 1 with negative information. I submitted receipts and information disputing the negative information. Somehow, the positive information was deleted, however the negative info is still active on my report. I contacted Experian explaining I did not submit a dispute regarding positive info ( why would I dispute positive info in good standing ), I'm disputing the negative information. The rep explained the company didn't respond therefore the positive information was deleted. In my opinion, they should have deleted the negative information as well. She submitted another dispute for the negative information. Coincidently they're claiming the company has now responded claiming the negative information is accurate. How did they not respond to the positive information, but somehow responding for the negative information? I feel I'm purposely targeted to have negative information reporting on my credit reporting. I don't understand why they delete the collection altogether for that account if they didn't respond to my initial dispute. Can someone please assist?
XXXX   XXXX ,  2017    I received an alert this morning from TransUnion and   XXXX   that my complaints against  XXXX   XXXX   XXXX  had been resolved yet it has not.  XXXX   XXXX   XXXX  is reporting a higher Balance than I owe and updated the credit bureaus with the false information thus impacting my  credit score a   violations of the FCRA.  XXXX   XXXX   XXXX  reported that I have balance of {$26000.00}. My balance on the attached statement clearly shows a balance of {$26000.00}, the information on my credit report is false information causing my balance to increase and m y credit score to be i mpacted.
In XX/XX/XXXX, I was asked to leave the campus of XXXX XXXX University ( XXXX ) in XXXX, TX due to a XXXX XXXX XXXX issue. I was, at the time, living in a set of apartments on the campus of XXXX that were owned by XXXX XXXX XXXX, XXXX. The property on which the apartments were located was owned by XXXX and so when I was asked to vacate the XXXX property I was forced to leave my apartment due to it being geographically located on XXXX property. I did not do anything to break the lease agreement of the apartment complex and I reached out many times to verify that they had filled my " unit '' to which I could not get an answer from the management service themselves. These apartments were leased out by the room in a " pot-luck '' roommate fashion and so I really only rented out one room or " unit '' in that apartment. Upon my departure, I confirmed with one of my previous roommates that my " unit '' or bedroom had been rented out to another tenant just under a month after my vacating the premises. My last payment to XXXX XXXX XXXX was in XX/XX/XXXX or XX/XX/XXXX but the date that the account was reported to be open on XXXX, XXXX  and Experian is XX/XX/XXXX. This account has been on my credit report for nearly seven years, in error. I have since received treatment for my substance use disorder, I have been in recovery from all drugs and alcohol for nearly 4 years and am currently in the process of getting ready to purchase a home. I discovered that the remainder of the rent that I would have owed if I stayed in that apartment had been reported against me to the credit bureaus, such as XXXX, XXXX and Experian, and I now have a {$4400.00} charge sitting on my credit report. I have done some research and found that the apartment complex is not allowed to collect double rent on any unit at any time. I feel that these fraudulent charges have been placed on my credit report in error.
XXXX has been non-compliant with removing the unverified account FIFTH THIRD BANK which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FIFTH THIRD BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I have contacted Transunion several times to inform them that this City of XXXX account do not belong to me. Transunion still have not removed this account from my credit file. Please assist me in getting this account removed from my credit file.
I WAS ENROLLED TO XXXX XXXX IN XXXX IN XX/XX/XXXX - THROUGH XXXX - THEY GOT ME XXXX STUDENT PRIVATE LOANS THROUGH THEIR LENDERS AND FED STUDENT LOANS - I WAS BORN AND RAISED IN XXXX, XXXX AND EXCELLED IN HIGH SCHOOL AND XXXX -I TOOK THEIR ASSESSMENT EXAMS AND PASSED THEM AND WAS ADMITTED TO XXXX XXXX XXXX HOWEVER, I ALONG WITH SEVERAL STUDENTS STRUGGLED UNDERSTANDING XXXX INSTRUCTORS, WHO WERE TRYING TO TEACH US IN ENGLISH, AND THIS BECAME VERY XXXX AND I COULD NT UNDERSTAND THEM AND COULD NT FOCUS. SO AFTER 2 YEARS I DROPPED OUT AND STARTED FROM SCRATCH IN XXXX XXXX IN IT FIELD - I RESUMED MY STUDENT LOAN PAYMENTS WITH FED LOANS ETC ... BUT WAS UNABLE TO REACH MY LENDER DIRECTLY WHICH HAD SOLD MY LOAN TO XXXX PARTY - XXXX XXXX XXXX, WHICH ADDED HUGE COLLECTION PENALTIES TO MY LOAN - AND THEN KEPT CHANGING COLLECTION AGENCIES - I 'VE MADE ATTEMPTS TO REACH A REASONABLE PAYMENT PLAN WITH THEM, BUT NO SUCCESS - RECENTLY THIS LOAN WAS SOLD TO TRANSWORD SYSTEMS INC- ACT / # XXXX - I FOLLOWED UP WITH THEM TO SET UP SOME REPAYMENT PROGRAM, THEY SAID THEY CAN NOT DO IT, AND WILL FILE JUDGMENT AGAINST ME AND FORWARDED MY ACCOUNT TO XXXX X XXXX XXXX -- -- -XXXX ON XX/XX/2015 I FINALLY REACHED HER AND SHE SAID THAT SHE DOES NOT SEE THIS FILE WITH THEM, BUT WILL REPLY BACK, WHICH SHE NEVER DID, -FINALLY, I CALLED AND LEFT VOICE MAIL FOR THEM FOR FURTHER ASSISTANCE AND GUIDANCE. - BASED ON MY RESEARCH, XXXX XXXX XXXX HAS DESTROYED STUDENT 'S CREDITS AND FUTURE BY NOT WORKING WITH THEM. 
ALL I 'VE REQUESTED THEM IS TO WORK WITH ME, SET UP REASONABLE TERMS / CONDITIONS FOR REPAYMENT PLAN- I 'VE GOT A GOOD PAYING CONTRACT JOB AND AM WILLING TO MAKE PAYMENTS.
I received a state tax lien in 2011 and it was immediately paid. NY state removed the account from my experian and equifax credit reports last year, but left it on trans union. 

This is impacting my ability to get a car loan and refinance my debts. It is also impacting my ability to change jobs.
Called a distant relative of mine trying to get personal information about me. The company has my phone number, social security number, address, etc. Calling people that you think are related to me and trying to find out where I work is not the way to go.
I use to have a XXXX XXXX that was opened in XXXX/XXXX/XXXX and paid in full by XXXX/XXXX/XXXX. Credit card was Paid off in full before I closed that account, yet TransUnion is reporting it as placed on collection XXXX/XXXX/XXXX through a company called XXXX XXXX XXXX and is being reflected on my credit report as being in collections. 
Why is the credit card that a consumer paid in full and closed being reported / forwarded to collection agency. This is Violated Fair Debt Collection Practices Act ( " FDCPA '' ), the unfair collection practices. How can a credit card that a consumer paid in full and closed being reported being forwarded to collection agency and reflected on my credit report as in collection. I reported this to TransUnion XX/XX/XXXX and yet no action has been taken
We went in to XXXX XXXX XXXX in XXXX and purchased a van. We told him we didnt have money for the down payment and started asking about our cars. With a lot of pressure we signed a contract the next day we told him that we werent able to afford that. XXXX the manager said pay or go to collections. So XX/XX/XXXX we had to go sell our XXXX to the dealer and pay the deposit. Monday XX/XX/XXXX we receive a letter saying are contract was canceled. We try returning the van and they said no.
TD bank charging overdraft fees on charges not posted to account and purposely posting smaller charges to incur fees to accounts
I contacted TransUnion, XXXX and XXXX  and asked them all to correct the inaccuracies on my credit report.
I had a procedure done at XXXX XXXX XXXX ( XXXX ), back in XX/XX/XXXX/XX/XX/XXXX. At the time I did n't have insurance and I applied for and received financial assistance for my bill. The XXXX financial counselor at the time, XXXX XXXX, stated that the financial assistance would also take care of 'ANY PROVIDER from XXXX XXXX & they would HONOR the financial assistance from XXXX XXXX By the time I received financial assistance from XXXX XXXX ; XXXX XXXX XXXX had already sent my bill of {$340.00} to XXXX XXXX XXXX XXXX. I initially explained to a very rude and aggressive XXXX representative, that I was not working had no income and was waiting for XXXX to make their decision regarding financial assistance. Once I received the letter, I FAXED the aggressive and rude, XXXX representative a copy of XXXX financial assistant letter ; ON MORE THAN ONE OCCASION. XXXX continues to refuse to honor the letter and wants me to pay them directly ; which I 'm refusing to. I continue to dispute this with them & just recently again disputed this item with XXXX. XXXX is refusing to honor the agreement the original debtor has regarding XXXX patients receiving financial assistance ; which is fraudulent. They also ignored the award letter I faxed over to them showing them the issue was resolved. 

At this point I can only attach a copy of the email I sent to XXXX XXXX asking for another copy of the award letter back in XX/XX/XXXX ; I have emailed XXXX XXXX requesting another copy of the letter. 
This incident has been ongoing since XX/XX/XXXX with XXXX.
My XXXX XXXX AAdvantage Citibank card has been CLOSED and apparently " charged off ''. Without any official notification! Now, with XXXX this is crippling my Credit Score. In fact, I have had multiple correspondences with a variety of Citibank representatives from XXXX, XXXX, XXXX XXXX, Missouri, USA, and other locations. On an emails dated XX/XX/XXXX and XX/XX/XXXX, I received warnings that I needed to contact Citibank to resolve the status of my credit card. I realized I was late on some payments. At that time, I contacted Citibank and set up payment to bring my account current which I did. On XX/XX/XXXX, I scheduled a payment for {$1900.00}. During these interactions, I was NEVER notified of account closure?! The representatives said thank you for being a valued customer and we are happy to assist in getting account current. On XX/XX/XXXX after trying to use the card and was DECLINED, I contacted Citibank and spoke with a representative in XXXX. The representative said there was a Fraud/Travel Alert on my account and if I could let Citibank know where I would be traveling to in the near future, I could have full usage of my card. I told her that I am a XXXX XXXX XXXX and travel often throughout country and world. Citibank forwarded me an email dated XX/XX/XXXX showing my next few travel destinations that we had discussed. Not once did she tell me my AA Citibank Credit Card account was closed?! Why would she even set up a Fraud/Travel Alert if my account is supposedly already closed??? The Citibank Supervisor in XXXX XXXX was astonished and apologetic that I was being treated so poorly and told me she was filing a complaint/grievance on my behalf. After more frustrating interactions and getting nowhere, on XX/XX/XXXX I  asked for and received an Account Status email that I have been a " valued customer '' and that my account has been in Good Standing for the past 12 months! However, I still can not use my card. And, now Citibank representatives continue to say my Account is closed, there is nothing they can do and they have declined to reopen it. I 'll have to reapply for a new card. Which will no doubt get declined. To reiterate, this is detrimental to my Credit Score and XXXX is now affecting my other credit cards and debit card usages. For example, it 's impossible to rent a car let alone order a pizza. Citibank has been misleading and telling me a myriad of different things. I think their practices have been very unprofessional and deceptive. As a matter of fact, I have never been told the official date my account was CLOSED? Ridiculous.
On XX/XX/XXXX, my account was somehow overdrawn - {$9.00}, I transferred {$20.00} into my account, and was in positive standing before the end of the day, I could literally drive to the ATM and take out {$10.00}. I wake up XX/XX/XXXX to {$72.00} dollars taken out of my account for being overdrawn, even though I fixed it. I was told I had to wait 24-48 hours for a phone call from PNC. I received a call and immediately returned the call, as well left a message. I received nothing ever again, I called back multiple times a day, over multiple days. I left maybe 3-4 messages. Over a week later, still nothing, now PNC is charging my continuous OD fee 's when I am trying to solve the issue, but I can not contact them, and they will not contact me regarding the situation. I call AGAIN, and am told I'd receive another call in 24-48 hours, to which I received nothing. I once AGAIN had to call today, to which I am told AGAIN I'd have to wait 24-48 hours. 
Over {$100.00} has been taken from my accounts now and I am unable and unwilling to pay for the money PNC is stealing. I can not contact anyone regarding this and no one will answer me and they continue to charge me.
I recently received a report on the disturbing trend of large U.S. banks most notably Bank of America ( BofA ) and XXXX using their enormous market power to discriminate against customers based on lawful firearm-related business activities. These decisions were unabashedly prompted and lauded by anti-gun activists as political statements and social engineering, not as business decisions based on any alleged financial unsoundness or criminal activity of the affected customers. This feigned high-mindedness is particularly galling to gun-owning Americans whose billions of tax dollars helped bail out these financial behemoths after the banks reckless business practices brought their companies and the U.S. economy to the brink of disaster. Now, members of Congress are demanding answers and accountability. 

Sen. XXXX XXXX ( R-LA ) led the way with a XX/XX/2018 letter to XXXX CEO XXXX XXXX. XXXX expressed significant concerns about the banks new policies and asked to be provided with the specific number of entities in Louisiana which stand to lose banking services as a result of [ Citigroups ] increased scrutiny on law-abiding businesses. He pointedly reminded the bank, It feels like yesterday when XXXX received nearly half a trillion dollars in taxpayer-backed guarantees and cash after putting the entire financial system at risk, a move XXXX called, the largest government bailout in American history. XXXX encouraged XXXX to be a good corporate citizen by refocusing on business decisions, including addressing apparent shortcomings like overcharging credit card interest rates to account holders and compliance with U.S. anti-money laundering laws.
The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX - XXXX store Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
I have a savings account with the Pentagon Federal Credit Union. I have been making deposits once a month for many years. Several months ago I got a notice threatening to send the balance of my account to the State of Texas because presumably my account had been dormant for more than a year. Of course, I called them up and a service rep told me that was a mistake. I was advised that my account was not dormant and to ignore the message. I am now in the process of buying a home and found out that in XXXX of 2016 PFCU withdrew {$29000.00} from my account and sent it to the State of Texas! While the PFCU reps accept they made a mistake, they still claim I have to wait from 90 to 120 days to get my money back! I am in the middle of a contract to buy a home and need the money right away. I risk to lose the home I want to buy. I have wasted a lot of time on resolving this issue. I have called PFCU about five times. They always promise to look into it and call me back. They never do.