WillisBack/dataset-financial-user-claim huggingface dataset:
I received a settlement check from a car accident on XX/XX/XXXX for {$3800.00}. The attorney banks with XXXX XXXX XXXX. After taking a picture of the check and making the deposit I placed the check in a folder where I keep important documents. In XXXX I was going back and fourth to the library and I carried my folder with me. XX/XX/XXXX my husband took my vehicle to a XXXX dealership to get my vehicle detailed. He stated he placed my folder in the trunk of the car. XX/XX/XXXX I checked my account online and noticed XXXX missing. I contacted XXXX and they told me there was a duplicate transaction with the check. I went to the trunk of my vehicle, looked in my folder and noticed the check was not there. My husband went to the dealership and spoke to the manager, he stated he would review the cameras. We contacted XXXX again and filed a fraud claim on our account. I went to XXXX County Police department XX/XX/XXXX -and filed a police report. Case # XXXX. I contacted the attorney and advised him of what was going on. He stated he did not see a dup check on his end. OnXX/XX/XXXX I received a copy of the check from XXXX. The check was presented to Navy Federal XX/XX/XXXX on XXXX XXXX. I went to that Navy Federal branch and spoke to the manager he stated the fraud would need to be handled by XXXX and XXXX. I went to XXXX police dept and filed a police report Case # XXXX. The detective stated he spoke to the person that cashed my check she stated she met her cousin and a female, he told her it was his girlfriend and she was having problems with her account and asked her to cash the check for her. It is nowXX/XX/XXXX all involved banks are stating it is not their fault it is the other bank. XXXX and XXXX have both closed their fraud investigation and I do not have my money back. I have fallen behind ALL my bills because of this situation and would like for this to be resolved immediately.
On XX/XX/XXXX the co-debtor on an auto loan through GM Financial filed Chapter XXXX Bankruptcy. This plan was confirmed on or around XX/XX/XXXX. The car loan through GM Financial was included in the wage earner 's plan and paid regularly by the Trustee. In XX/XX/XXXX the court issued an order that the car was to be surrendered under the plan and the balance of the loan after proceeds from the sale of the vehicle would be considered unsecured debt paid at 100 % through the plan. I am listed as a co debtor on this account and am protected under the automatic stay. Fast forward to today, nearly 3 months later, and the car is still here. GM Financial has knowingly and fraudulantly reported the full balance of the loan on my credit report, marked the account as 180 days derogatory as of XX/XX/XXXX, which is not accurate considering the Trustee paid them in XX/XX/XXXX. They also changed to notation on the account to reflect open and delinquent as opposed to included in chapter XXXX wage earners plan. They are violating my co debtor rights under the automatic stay and hindering my ability as a consumer to get financing for a car as their malicious and deliberate false reporting dropped my score nearly 80 points and tainted my account history.
I have tried multiple times to no avail through your agency since you do nothing to correct major credit problems but file it for posterity! Once again and after multiple complaints you close  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  has posted incorrect information to my credit agency reports causing server financial harm. Their response always omits critical information and the problems are never resolved. Your agency useless but I need to file for documentation purposes. In speaking to  XXXX  she confirmed I was paid through  XXXX . I am not two months pass due and I have not paid pending a reply of correction to the prior complaints you merely filed away! I understand they ae still being investigated by the credit bureaus.     Not more than two payments past due (  2  ) -  XXXX   XXXX     XXXX   XXXX   XXXX       XXXX   XXXX  has flagged your account as Not more tha n two pa yments past due ( 2 ).   Alert Type : Potentially Negative Found On :    XXXX   XXXX   XXXX   Potentially Negative Alerts notify you when one of your accounts has reported information that may ne gatively impact your credit score.     Balance spoke to  XXXX  last payment made- way  XXXX    XXXX  . Paid up through  XXXX . Confirmed. I then asked for an acc t manager to insure me the credit report was repaired- the same as last time. Had to hold extensively long for a manager who  I relayed my request for resolution! I finally Reached  XXXX  - a  Manager- who stated I WAS UP TO DATE AND NOT 30 DAYS PAST DUE AND THAT THE CREDIT REPORTING AGENCIES CAN TAKE 60 DAYS EVEN THOUGH THEY HAVE NOTIFED THEM TO CORRECT THE ISSUE.
Submited online dispute as well as called Transunion about this issue. This is the 4th attempt thst I have made to have them remove inaccurate information. It has been requested to remove the inaccurate previous addressses. Every address except my current one has been requested to be removed. Transunion keeps telling me they will remove them but do not. I just removed my credit report and yet again the inaccurate previous addresses are not removed.
Company is using an automated system to call 4-8 times per day and doesn't leave a message. When I called back and asked why they would call me this many times I was asked the following : " Are you having a bad dayyyyyyyy? '' " Aww, who hurt you? '' " You sound troubled '' When asked to speak with a supervisor I was told 3 times unfortunately no one was available. 

When I asked to be taken off any kind of automated system they hung up on me. 

When I told them this debt wasn't real and I'd already tried Names : XXXX - supervisor employee ID # XXXX. - he let me know he plans to allow his team to call me as many times in the day as he feels like because he knows the laws and he doesn't mind breaking them.
I was contacted XX/XX/XXXX by a collection agency representative who claimed he was an " officer '' and made threats of immediate arrest and intimidation. This, despite my having sent the collection agency a letter asking them to cease all further communication in accordance with the Fair Debt Collection Practices Act. They have since repeatedly contacted me in violation of this law.
The card was XXXX XXXX XXXX. The packaging stated, '' Use your XXXX XXXX XXXX in the U.S. anywhere XXXX debit cards are accepted, including online. '' Nowhere on the outer packaging did it state that the card needed to be registered in order to make online purchases. While attempting to use the card to purchase blinds from XXXX, my card was refused because it could not be verified. A call to XXXX told me I had a {$0.00} balance and the funds could not be replaced for up to 12 days and it is my responsibility to check to see if the funds have been restored. ( as though I have nothing else to do. ) This problem could have been avoided, if the card included a sticker stating card must be registered for online purchases. I finally found the info on registration, deeply embedded on a miniscule pamphlet inside! I question XXXX 's membership in the FDIC for what clearly appears to be deceptive practices. I also resent the {$3.00} purchase fee XXXX charges, it should ease the use of purchasing not complicate it. Thank for listening.
On XX/XX/XXXX my mortgage was transferred from XXXX XXXX to Shellpoint Mortgage Servicing, my payment due date is the XXXX of the month. As is required of all new mortgage servicers, a 60 day legal grace period is granted to all new clients who have had their mortgage involuntarily transferred. <P/>Per this law, my mortgage payments would not be delinquent until after XX/XX/XXXX. In violation of this law, I received harassing phone calls from Shellpoint Mortgage Servicing before the month of XXXX was over, in fact : - On XX/XX/XXXX, I received harassing calls from Shellpoint claiming my loan was in default. 
- I also received a letter from Shellpoint datedXX/XX/XXXX ( attached ), stating that my loan is delinquent. <P/><P/>I know that is a term that applies to loans that have gone approximately 4 months without a payment. Even if I had not paid by XX/XX/XXXX, I would be delinquent, not in default, default would occur around XX/XX/XXXX. <P/>Shellpoint also reported my loan as being late to the credit agency, that is also illegal, again, all my payments are due and owing on XX/XX/XXXX, the legal grace period for a transferred mortgage. <P/>Shellpoint need to follow the law and rules of transferred mortgages.
Listed as COLLECTION Collection/Chargeoff new account New Accounts Lender No name listed Type Listed as other Balance {$1900.00} Status Date Reported XX/XX/2019 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name COLLECTION Original Lender COLLECTION  Account Type Not Reported Responsibility Individual Age Of Account 1 Years, 7 Months Credit Limit Not Reported Highest Balance {$1700.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX I called the number listed on the credit report. I was asked just my name told them and they said I have to transfer you to another person and gave me the phone number of XXXX then was transferred. The person who answered asked if I felt comfortable fiving him my full SS number I told him no, how the person I spoke to asked me my name and told me I needed to be connected to a different department, so he looked up my name and said nothing was coming up that I had to give him my full SS number. I told him no am just going to report it.
I alerted my credit card company XX/XX/2017 that there was a fraudulent charge on my CITI credit card. I was told I would not be held responsible for the amount of {$3800.00} plus the processing fees totaling over {$100.00}. I had a paperless account but was sent balance transfer checks to my mailbox - often twice a month. One of these checks was stolen from my mailbox and used with a forged signature for the amount of XXXX. I was told an affidavit would be sent by mail to my mailbox within the next few days along with a new card/with new account number. The card came by FEDEX. The affidavit never came, but new balance transfer checks came XX/XX/2017, after I stipulated that no more were to come on XX/XX/2017. I called back XXXX and had to speak with 5 different people. The {$3800.00} is still in my balance owed on the card. There is no verification online that a dispute was filed. I was told by multiple people that they could not give me verification of the dispute regarding the {$3800.00} fraudulently put on my card via stolen balance transfer check. I repeatedly asked to be transferred to someone who could better assist me. The fourth person XXXX in XXXX ( XXXX ) said all the information would have been sent to my message center online. He said there were 4 messages regarding this matter in my message center. I had not been told these messages would come to an online box previously. No e-mail alerted me to their presence. I had him close my account since the previous people gave me conflicting information, and balance transfer checks would still be mailed for 2 more months. I then checked my message center online and no messages generated this year were there, and there still was no evidence of the dispute that I filed XX/XX/2017. I called back and asked for him, but was given XXXX in XXXX ( XXXX ). She verified that no messages regarding the dispute had been sent to me in my online message center. She also said it would take at least 30 days before the account balance would be corrected ( removing the {$3800.00} charge and associated fees ). She said at that time I may get an affidavit in the mail or sent to my message center. All the way around, each person who I spoke to gave me conflicting information but all refused to give me verification of the dispute in writing. People should think seriously before opening an account with them. Their associates I spoke to all had conflicting information. The last associate at least verified nothing had been sent to my online message center. She still was unable to provide me with written information verifying the dispute. The fact they kept mailing out balance transfer checks to a paperless account that had requested no mailings is perplexing. They invite fraud by doing this routinely.
I ordered a knife from XXXX XXXX XXXX, XXXX XXXX WI and used my XXXX XXXX CREDIT CARD to pay the {$13.00}. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX, TX XXXX, keeps billing me for {$13.00} each and every month. I have called XXXX XXXX at XXXX and voiced my concern and they said they would take care of the matter. Now I received a letter demanding {$26.00} that I do not owe. XXXX XXXX is threatening to diminish my almost perfect credit record. 
I have never missed a payment with XXXX XXXX.
XXXX XXXX XXXX has listed debt as deliquent and charged off. The same debt appears on my credit report under another company, XXXX XXXX. These duplicative entries on my credit report are illegal and should be removed. The debt has also been re-aged as another date than XXXX XXXX XXXX. See attached screenshots my credit report from Experian.
I sent a certified letter on XX/XX/2018 to Clark County Collections for verification of this debt that is on my credit report. It has been over 30 days and I have received ZERO communications back from this company. Per section ( 609 ) of  the Fair Credit Reporting Act I should have received validation and verification of this account within 30 days of my written request. Since this account was not verified or validated to be mine I would like this account to be deleted and removed from my credit report.
I 've recently pulled my credit report and noticed that there 's a collection from your agency on my report. I have never been notified of this collection. However, this does not imply that I refuse to pay the debt. Rather, I would like to dispute your claim. 

There 's two closed accounts listed on my report. One account was closed on XX/XX/XXXX and the other on XX/XX/XXXX. I 'm not aware of the information that 's being reported on my account. 

I recall getting a XXXX XXXX XXXX from you all, not long after that I was in a terrible XXXX XXXX that left my car totaled and me in the hospital ( the police report clearly indicated that this XXXX was caused by someone XXXX the XXXX XXXX, I should not be responsible for a XXXX loan. I spoke with my account manager and she agreed that I will not be responsible and that this will not appear on my report
I tried to respond to complaint  XXXX  but it was closed. First corrections do not seem to be sent to every credit agency. Second I do not believe what has been reported is true and accurate information under the Fair Credit Reporting Act. Please provide proof of all statements and accounts you claim I did not pay on time. All  XXXX  accounts and history of all  XXXX  statements/bills and proof that all  XXXX  are indeed mine. I am disputing I ever had  XXXX  delinquent accounts.This is not fair reporting
Debt was paid/ settled in full. The company agreed to remove the debt from my credit report. Instead, the company updated the credit report to show I paid. This is unacceptable. I spoke to a XXXX XXXX and stated they will report it to the credit bureau. I would not have paid a dime unless the item was going to be fully removed. I had no idea what this debt is, but {$84.00}? Really? had they contacted me by phone or my address since what they had on file was a old apartment I lived in XXXX years ago. I was made aware when a mortgage lender pulled my credit report. So, I had to reach out to the original creditor to see if I can fix this with them update my address even tho I do not have XXXX anymore. Then, was told that Stellar recovery had the collection now and there was nothing they can do for me. I likely would have simply paid them to avoid poor marks on my reports. This company blatantly broke laws outlined in the Fair Debt Collection Practices Act, and I EXPECT this to be made right by me. After reviewing several websites, this company has a track record for shady practices and unfair collection practices.
Ditech Financial is the servicer for loan. The borrower XXXX XXXX in XXXX 2016. The borrowers estate had to go through the probate process as he XXXX with no will or trust. The probate attorney we are working with advised the estate should not make any payment to creditors until the notice period has been completed and an estimated sale date for the property is known. I have explained to Ditech the situation and requested all late fees and penalties be waiver because of the unique situation. Ditech has refused repeatedly to waive the late fees. They have claimed no one at Ditech has the ability to waive the late fees. I know this is not true. I was also told by Ditech that the investor of the loan, XXXX XXXX, had to be the entity to make any decisions on the loan. I called XXXX XXXX and they said the servicer, Ditech, has full delegated authority to make decisions on the loan. When this was presented to Ditech they said the late fees could not be waived. I am disgusted at how Ditech has dealt with this loan. Ditech also said there is a {$19.00} fee to pay by phone, but you can use a free option on line. When I tried the online payment the system said the account was not eligible for free online payment. I have a history of conversations and actions with Ditech over the past 8 months if you would like to see how bad their service is.
I got this card to travel around XXXX. My card was used XXXX to get money from an ATM. XXXX transactions of XXXX with transaction fees for XXXX for each one and XXXX transactions of XXXX with transaction fees of XXXX for each one. At this point my credit card was already over the XXXX limit that I had so I do n't know why bank of America would even allow this. I called and made a complaint and they returned some of the money, but then I get a letter saying my claim was denied because the card was used to get money from the ATM, I called and told them that if it was denied why did they return most of the money back to my account and that I wanted them to return the rest because I was not going to pay for any transactions that I did not make so they reopened a claim and I recently got another letter saying the claim was denied. I already called bank of america and they just keep transferring me back and forth between departments and I get no help. A week later I call back and I finally get someone on the phone and she tells me she cant reopen the claim because it has already been denied twice.
My savings and checkings accounts were closed because of a check deposited into my account that was addressed to another person for payment of work. 

I think the payor reported the checks as stolen because my accounts were closed and reported to XXXX XXXX for fraud. 

Bank of America didn't allow me access to any of my information or speak to me about the accounts to settle this dispute. 

The payee of the check, that I'm guessing was reported for fraud, used to have a joint account with me, and the bank has allowed the payee/and myself to deposit and withdraw funds, including checks. 

I was a consumer with this bank for a few years, with only minor issues such as low account balance, overdraftfees, debit card holds when I went over my daily spending amount I sent with Bank of America 's online services. 

My online access was also closed. 

My account information has sinced been released once to myself and it was because I brought a release of financial information form that my eligibility worker for the county social services requested be submitted for my assessment for county services. That was XX/XX/XXXX. 

My accounts had been closed XX/XX/XXXX and correspondence with the collection/ consumer reporting agency, XXXX XXXX , didn't begin until XX/XX/XXXX. And last communications with the company was XX/XX/XXXX with no resolution or correction to the information reported by Bank of America, and my personal information continues to be flagged for fraud with any financial institution that I attempt to earn credit, use/apply for services.
I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an address which was also fraudulently used and that is XXXX XXXX XXXX XXXX XXXX, NC XXXX and these accounts XXXX XXXX XXXX XXXX and these others XXXX XXXX XXXX. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This is now the XXXX complain I am having to file in an attempt to collect escrow monies from this Company. Our house burned down XXXX/XXXX/14 an insurance settlement was issued to myself and my husband and as we had a loan on the property the funds were forwarded to our mortgage company to be held in escrow for repairs. The house was completed the end of XXXX. We refinanced the house to another mortgage company on XXXX and the loan at new american funding was paid off XXXX. We still hand funds in the escrow account and I spent over an hour trying to get them to send me a check. I was told that unless I sent them the final bill from our contractor the file would not be complete and it would likely be denied. I asked them why they felt they needed that information given my loan with new american was paid off. They were unable to answer this. I then received a check on XXXX payable to myself and a company Called XXXX XXXX. I have never done business with said company. This check is useless to me, I can not get an endorsement from a company I have not worked with. But most troubling to me is all other checks have been issued to me and there is no reason to add anyone else 's name to this check.There are no liens or judgement that would require this. Wether I have or have not paid my builder is of no bearing to New American as my loan is paid off. I am so disgusted that I have to continue to fight and spend hours of my time to simply get funds that are mine. Not that it matters but as of XXXX the builder had been paid in full.
Equifax deleted XXXXXXXX XXXX XXXX XXXX and XXXX XXXX then they Reinserted the collections without notifying me within 5 days of reinsertion violation of 15 USC 1692 ( c ) 805 ( b ) communication with third parties. Debt collector must have your prior direct consent or a court order to communicate to anyone about a debt. This includes credit reporting agencies. Also use 15 USC 1692 ( k ) 809 ( a ) validation of debt. They MUST Validate all debts! If not permanently removed by equifax. I will seek litigation and file a lawsuit. Equifax will be charged with preventing furnish from reporting debt on credit profile. The courts would rule in my favor examples XXXX XXXX EQUIFAX XXXX XXXX, XXXX XXXX XXXX