WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I was a named party in a class-action suit against a former employer. My attorney was able to reach an individual settlement for the named parties, and I received XXXX checks for my share of the settlement. I deposited the checks into my personal checking account with Wells Fargo via ATM, and within the next week my account was locked as the checks were BOTH reported " confirmed counterfeit '' by the issuing bank ( XXXX XXXX XXXX ). This was back in XXXX. I called my attorney, and he checked with the other named party, and their checks went through just fine. 

I tried to have my attorney tell the defendant to cancel the checks and issue new ones. Well, it turns out that my bank ended up collecting the money from the checks even though they were confirmed counterfeit. So the defendant refused to issue new checks, since the money was withdrawn from their account. Fair enough. 

My bank refused to listen to me. I brought in the settlement documents, I called and spoke to the Manager 's Manager 's Manager 's Manager, still no luck. According to them, the defendant 's bank is STILL calling the checks counterfeit. They claim that the funds are in the process of being recalled back to the defendant 's bank account. Meanwhile, the settlement checks were reported onto my IRS transcripts, so I had to file an extension on my taxes until this whole thing gets resolved. 

Here 's my issue : Since XXXX, I 've lost my checking account, my savings account, and the few hundred bucks that was in my checking account when I deposited the checks. My auto insurance payment bounced, and then I had to pay that on the same paycheck as my car payment, and it took some time to recover. The funds are STILL in the process of being recalled, but I 'm still over here floating in the wind. Is there any way I can get this resolved? Is the defendant liable for these ( admittedly minor ) damages over the past five months? I do n't even care about suing for these damages, I really just want to get my proper settlement checks and resolve this issue for good. My attorney claims that there 's nothing more his firm can do to help ( he got his check ), but he suggested that I might hire an attorney to file a breach of contract claim against the defendant. 

I believe that the checks were reported counterfeit because the ATM faded out the ink on my larger check. I 've attached printouts of each check from XXXX 's own computer system. I 've also attached a copy of my attorney 's check, which is from the same account as my larger check. I 'm unable to make any progress with either bank, and I would rather not have to take any legal action.
Disputes were submitted on XXXX/XXXX/XXXX - XXXX/XXXX/XXXX - XXXX/XXXX/XXXX and XXXX/XXXX/XXXX to XXXX, XXXX XXXX and to Experian. The lack of communication these agencies give is utterly ridiculous. As a consumer, it is my right to dispute inaccuracies on my credit files, in which I have. However, these agencies have violated the Fair Credit Act by not responding to my concerns.
I have a collection for {$20.00} that was paid directly to XXXX XXXX and they cashed my check on XXXX/XXXX/16. This should never have gone to collection. I 've sent plus4 the check copy and asked them to remove it from my credit report. They stated they wo n't remove it until other accounts are paid. I believe they can not do this as this was paid prior to them receiving the collection. I want this removed from my credit report.
I just would like a debt validation of the loans I owe, what is my true balance. There are to many adjustments for me to pay. Feels like I 'm in Jail.
I HAVE SPOKEN WITH SERVERAL REPS FROM EARLY WARNING SERVICES ABOUT SENDING UPDATED INFORMATION TO COMPANIES THAT DENIED ME SERVICE BECAUSE OF THERE REPORT ... XXXX XXXX XXXX HAVE AGREED AND VERIFIED THAT MY ACCOUNT WAS N'T FRAUD AND I WOULD LIKE EARLY WARNING TO NOTIFY XXXX XXXX WITH A REMOVAL RECEIPT LETTER ... XXXX XXXX SAID EARLY WARNING NEEDS TO SEND THEM THE REMOVAL INFORMATION ... EWS IS SAYING I NEED TO MAIL THEM THE UPDATED INFORMATION THEY SENT ME AND XXXX XXXX IS GIVING OUT THE WRONG INFORMATION ... IM GETTING THE RUN AROUND FROM EWS I HAVE SPOKEN WITH THREE REPS THAT GAVE ME DIFFRENT INFORMATION. THEY SAID SINCE XXXX XXXX XXXX REMOVED IT THEY CA N'T SEND ANYTHING TO EWS.SO THIS IS MY DISPUTE WITH THEM NOW TO NOTIFY XXXX XXXX XXXX XXXX ON FRAUD
I tried to download a copy of my free credit report from Equifax, but all the identity verification questions were about accounts that were not mine so I was refused access. ( I was able to download a copy of the report from another provider. ) I let Equifax know that there 's something wrong with their identity verification algorithm, and they sent me a copy of my credit report along with a request to call their toll-free number. I called it, and got a recorded message saying that no one is available at the moment, and to call back between XXXX and XXXX. It 's XXXX : last time I checked that was between XXXX and XXXX! 
Seriously, these people have important information which is used in making credit decisions, but they do n't appear to even be trying to do a good job of making sure it 's correct and accessible to consumers themselves. So frustrating.
Dept of Ed/ Nelnet XXXX amount due {$1800.00} is reporting XXXX days past due. This is incorrect as I am currently attending XXXX XXXX XXXX XXXX. 

Dept of Ed/Nelnet : amount due {$1000.00} is reporting XXXX days past due. This is incorrect as I am currently attending XXXX XXXX XXXX XXXX. 

Dept of Ed/Nelnet : amount due {$1500.00} is reporting XXXX days past due. This is incorrect as I am currently attending XXXX XXXX XXXX XXXX. 

The wrong address was on file. I have not lived there for over 6 years. The wrong phone number was also on file. I have updated all account information so that I receive proper notifications. I am currently on a repayment plan and my next due date is not until XX/XX/2018. I do not have any past due fees reporting on my Nelnet account.
I submitted investigation request to look into wrongly reported Student loans on my credit profiles with XXXX, Transunion, and XXXX. I discovered the error on my personal credit during the application process for employment. Multiple agencies had declined to hire because of credit score and the amount of student loans listed multiple times as defaulted. I reached out to each credit reporting agency and asked for documentation and to investigate in order to clear up the misunderstanding. 

My student loans are all with XXXX and are under deferment and are not in default. During the investigation process, XXXX account XXXX was removed from all credit agencies once the error from the investigation was found, along an apology letter from the servicing agency handling half of my student loans. 

During my request for verification and to validate the information being furnished on my credit, the only thing that occurred was all accounts where updated with " Closed '' since they did not hold nor were servicing my student loans going back almost 10 years, XXXX account # XXXX was not helpful in providing the documents requested nor provided the verification as its still being reported incorrectly under the circumstances in which loans were to be in deferment. I 've made three request total and asked for verification and to request written proof of their finding but was never furnished with any information.
I've submitted several disputes regarding Bankruptcies appearing on my credit report that was not filed. I've been provided a letter from the three credit bureau 's source stating those bankruptcies was investigated and removed in XX/XX/2017. Attached is a copy of XXXX XXXX records showing they were removed
I connected with XXXX XXXX to assist with student loan payments, but have received an FTC notice and instructions on how to fill a complaint about their unfair and deceptive practices. I have since canceled the subscription to XXXX XXXX. I don't know where to proceed from here.
I sent two certified return receipt letters the first was signed for on XX/XX/2018 that letter was a letter to negotiate payoff and I heard nothing then I sent another letter to tell them since they did not reply I want them to remove from my credit and that was signed for on XX/XX/2018, as of today XX/XX/2018 I still have not heard from them at all. They removed this same collection last year and put it back on about 8 months ago.
The finance company sent me a threating letter stating they were taking me to court and that I had five days to catch up payment. As of X/X/18 payment is two months due.
My name is XXXX XXXX, I am an XXXX XXXX member I buy things on XXXX all the time and the problem is the card that XXXX uses for its financial dealings which is Chase bank. I owed {$220.00} which I could have paid all as I have done in the future but I did not receive any paper bill, I switched to the paper bill because of being charged unknown items through the paperless bills and the auto draft payments, to monitor my debts I switched back to paper bills and deleted the auto draft. 
Without a bill, I knew I have bought some things and decided as I wait for the bill to send some money minimal of {$100.00} last month on the XX/XX/XXXX and this Month on the XX/XX/XXXX another {$100.00}. To my shock, the chase bank reported late payments and though I am paying more than the required minimum payments each month. 
This has really hurt my credit, I spoke to one of the managers and she said she can not help with the negative reporting even though its a lie I am paying money towards the owed bill of {$220.00}. 
I need it cleared from my credit report because I am paying double the minimal amount and paid it off. 
Chase bank does not care about its customers and is rated very poorly.
Whom It May Concern : I hope this email reaches you in good health and spirits. Back on Friday, XX/XX/XXXX, I received a FICO monitoring alert via my FICO monitoring subscription that a collection account had been reported to 2 of my credit reports. After investigating this unknown account further and gathering documentation and details, I was able to submit this information to XXXX XXXX XXXX XXXX ( the original creditor ) who apologized for this mishap and withdrew the account from XXXX XXXX XXXX ( XXXX ) .Once the account was withdrawn, I reached out directly to XXXX to ensure this information was deleted from my credit reports. XXXX XXXX was deleted w/o issue ; however, Equifax to date, still has not removed this account. I disputed this account 3 times ( XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ) with Equifax, in which they came back stating that the information reporting is accurate. Again, I reached out to XXXX who indicated that they received the dispute from Equifax ( electronically ) and replied instructing them to delete the account each time. However, Equifax continues to report the investigation results of the information reporting is verified and accurate. So it appears that XXXX is blaming Equifax and Equifax is blaming XXXX. So I submitted another dispute to Equifax, this time including the documentation stating that the account was withdrawn. I even sent the email correspondence between myself and the Deputy Director of Administration which clearly states that they have instructed that this be removed. For whatever reason, Equifax continues to report this account as being valid. I have attached all of the same documentation that I submitted to Equifax. I feel that Equifax is again, engaging in illegal and unethical practices. As a financially responsible consumer with a spotless credit history, this is mistake is costing me. I am set to apply for a mortgage in the next few weeks, and this is detrimental to this process and will cause extreme delay. I have done everything right, and yet, I am the only one being impacted. No matter how many times I talk to Equifax, they send me to inviduals in another country that reads from scripts. I asked them if they even read the documentation, they stated they dont have access to look at that information. I then asked to be transferred to a US based rep whom also told me the same thing. They also stated that they had not received any delete requests which I find odd in that I had no issues with XXXX. The US based representative indicated that I need to talk to their business office and provided me with the number. However, when I called, they stated they do not talk to consumers or handle consumer personal credit files. I am truly at a lost here and am not sure what I need to do. As a result, I am reaching out to your organization for assistance.
TD Card Services was contacted by a person who had stolen my credit card information. TD failed to properly authenticate this person when they called notifying them of an upcoming fraudulent purchase using my card, and allowed them to change the phone number ( my number ) that was associated with the account. This charge for {$6200.00} on XXXX from XXXX was processed using XXXX Payment on an XXXX and then discovered by me as a fraud. I notified TD of the fraud around XXXX XXXX. They said they would credit the fraudulent charge, close my account, and issue me a new card. I received the new card, and through a series of at least 4 frustrating phone calls, finally authenticated my account by faxing them several forms of ID. I called 3 more times as the fraudulent charge remained associated with my account. Each time I was told that the charge would be credited in 5 to 7 business days. As my credit card statement neared its due date, I notified TD in an additional call that my billing due date was approaching, that the credit had not been made, and that I did not want to see late fees, interest charges, and a notification of missed payment sent to the credit reporting agencies. My fear was that this would negatively impact my credit score as a consumer through no fault of my own. No one in their customer support could explain to me how or if the credit reporting agencies would be notified in the event of a late payment. After speaking with a fraud specialist on an additional call, it was only then determined that the credit was placed onto the old and now closed account. Predictably, the account came due and interest charges and late fees were added to my account. I made an additional XXXX calls over the last week trying to get this resolved to no avail. I spoke to a supervisor XXXX after being on hold for almost XXXX minutes who again lied to me telling me the credit would be applied the next day. It was not, only the late fee was credited. I called the next day and was told that the supervisor was in a meeting and that I would receive a call back from the supervisor XXXX and I never received a call back. I asked the representative on how I could give feedback to TD on the frustrating experience that I was having and they could provide no such contact information. I asked if the credit reporting agencies had been notified and I was not directly answered only that the fraudulent charge was marked as disputed in their system. It is now XXXX/XXXX/16 and the charge remains on my account as well as interest. There is no excuse for the breach of my account, the lies that I 've been told, and the waste of all of my time which I have not been compensated for. I am writing this in the hope that as a consumer in the United States, there are protections and sanctions against those incompetent companies who mistreat their customers, and potentially ruin their credit worthiness.
I contacted National Recoveries when I first started new employment and entered into a loan repay program. All of the paperwork was submitted by email and fax. My name and address was to be corrected. The company did collect from my bank account the agreed upon amount for 8 of the 9 months. The repay program was for 9 months. The bank account had my correct address and name. The debt collector should have had this information corrected. I never received a notice that I needed to sign a new repay agreement. I was told after the repay program I could enter into a deferment. However, upon realizing the last payments at 9 months was not taken out of my bank account, I contacted National Recoveries. At this time I was told that they sent me a packet ( to the incorrect address and incorrect name ) and that I would need to reinter into a new agreement and pay another 9 months. I decided to let my lawyer handle this, as I quickly realized this company is a scam, and makes money off of keeping clients in debt rather than helping to get them out of default. The longer they keep you in their company and as a non payer, the more money they receive from the US Dept. of Edu. Fast forward to 2016 and my entire tax return is withheld due to this debt, that they continue to hold me under rather than letting me complete my repay agreement so I can enter into a default. As a single mother of XXXX children, working a state job, and receiving state benefits just to make it paycheck to paycheck this is a disgusting tactic employed by this company. I do not understand why the EDU continues to use them as a contractor.
On on around XX/XX/2018, I contacted XXXX XXXX bank to inquire about the balance on the account. I received a payoff statement in XX/XX/2018 stating that my balance was XXXX. I informed XXXX XXXX bank that I am refinancing my home, and the payoff will be sent by the title company of the entire balance of XXXX. On XX/XX/XXXX, a check in the amount of XXXX was sent to XXXX XXXX bank. When I contacted XXXX XXXX bank in XX/XX/2018, they stated that I still owed a small balance of XXXX dollars. I paid the XXXX dollars. I received information from the credit bureaus stating that I am 30 days late in XXXX on a card that was paid off in XXXX. The card was closed, so how can I be late on something that was closed. When I contacted XXXX  XXXX Bank on or around XX/XX/2018, I spoke to a representative name XXXX who stated that the supervisors were going to take care of the error and report the account current because she was able to verify the account was paid in full in XX/XX/2018 when the check was received.
I refinanced my loans back in XXXX for a lower rate. At the time of origination I completed the paperwork for auto payment of my loans. Doing so would lower my rate by .25 %. The lender contacted me in XXXX saying my account was 2 month deliquient and I would be responsible for late fees and other penalties for non payment. At that time I submitted a payment for the full amount due and signed up again for auto payment. Just today I received a notice saying I was 2 months late and they were going to assess late fees and penalties. I contacted the company and they said they never received the auto payment paperwork. I have sent them the back up document but I am concerned about the late fees they are assessing on my account and the .25 % I am due for having signed up for auto payment in the first place. Please note on the website it shows I am enrolled in auto payment. 

Additionally when I originated the loan I received a letter from a services stating that my loan amount was twice the amount borrowed. This has since been resolved but was a serious concern at the time. 

Finally, looking at my online statements I never received any communication in XXXX in the form of a statement. I would expect this to be common practice.
XXXX XXXX is the company claiming debt owed in the amount of {$520.00} opened XX/XX/2016. This company is in receipt of notice under the authority of the Fair Debt Collections Practices Act regarding the above referenced debt collectors of the alleged debt be disputed immediately.
Roundpoint mortgage Co. established an escrow account to pay my insurance without my knowledge, or authorization. 
They issued payment to my insurance co. without receiving an invoice from them. In several months Roundpoint, has not been able to resolve the problem. They appear to be sincere about fixing the problem but can not get it done. They have not to sent the letter requested by my insurance co. ( letter head memo requesting the money be returned ). My insurance co. has been waiting for several months for the authorization to return the money. They have no problem in returning the funds, but require the written authorization.. 

Roundpoint is now sending me late fee notices and requesting I pay the funds back. Rounpiont has agreed that it is their fault. I have continued to pay the amount of the mortgage payment but not the added amounts for the escrow account. I pay my own insurance by bank draft from my checking account. 

Please help!!! If you look at their reviews on line you will understand what I am dealing with. 

XXXX XXXX XXXX
In XXXX 2015 I requested my annual free credit reports, sent in a copy of my driver 's license and social security card but have only received a copy of my credit report from Equifax last week. I sent XXXX emails but have not received credit reports from XXXX and XXXX. 
Equifax continues to add several addresses that are incorrect ( lived at the same address for the past 26 years ) to my report, account numbers and year acct open have been changed and information over nine years remain on my report. This is the same complaint I filed against all three bureaus but still experiencing the same problems today.
Greentree/Ditech financial group sent me a repossession notice appx. 30 days ago for an insurance amount that was cancelled the date it was paid off. The original amount was XXXX, but the repossession amount on the letter was for appx. XXXX. A payment of XXXX was sent via XXXX on XXXX XXXX, XXXX. Payments were posted as follows : XXXX : {$29.00}, XXXX : {$29.00}, and XXXX : {$120.00}. I received another repossession notice today stating that a payment received of {$29.00} was a partial payment and they were continuing with the reposession ( which should be in the next 48 hours ). The loan was paid off in XXXX of XXXX with a remaining bal. of XXXX. XXXX principal, XXXX interest and XXXX insurance. Original note was 15 yr. simple signed in XXXX XXXX. There were approximately XXXX to XXXX deferred payments. Does n't add up. I have a XXXX XXXX XXXX Grandson to raise and it would be nice to come home to a house sitting on the property tomorrow. Please help. I am uploading several forms at this time for the immediate problem. Copies of all other documents are being copied and printed. I would be happy to send them to you showing loan payments etc. It is a large file and would either need to be sent on a flash drive or printed. Please let me know which will be most convenient.
XX/XX/XXXX : It was brought to my attention that my phone number had been ported and thieves had gained access to all of my financial accounts, including XXXX XXXX. 

XX/XX/XXXX : I filed a police report with the XXXX County Sheriff 's Office regarding the theft and reported all debt as fraudulent to the various financial institutions, including XXXX XXXX. 

~1 Month later : All banks cleared the debt, issued new cards, etc EXCEPT XXXX XXXX. Several follow up calls later and they still would not resolve this issue in my favor. 

XX/XX/XXXX : XXXX XXXX sent the debt to collections and I was contacted by a collections agency for {$2700.00}. This debt is NOT MINE and was from purchases at XXXX in a different part of the state. I called this agency ( XXXX XXXX XXXX XXXX ) on XX/XX/XXXX and the rep advised they would send the file to compliance when I advised them of the situation. 

XX/XX/XXXX : I received another letter from the agency that they are seeking legal action against me. I called and this time they requested the police report so they could send it to fraud. I submitted this information. 

XX/XX/XXXX : I received another letter saying they had contacted XXXX XXXX and they have verified the debt as legitimate. 


XXXX XXXX is not behaving in my best interest as a verified victim of identity theft. This issue should be resolved in my favor and has caused significant heartache on my behalf.