WillisBack/dataset-financial-user-claim huggingface dataset:
I wrote a check drawn on my TD Bank checking account ( XXXX Vermont branch ) on XXXX XXXX, XXXX in the amount of {$25.00} to the XXXX XXXX XXXX. The check was altered to {$250.00} by an unknown third person and presented for payment eight months later in XXXX, XXXX. The forged check was honored by TD Bank on XXXX XXXX, XXXX, as reflected on my monthly statement of account. My wife, XXXX XXXX, a co-owner of the account, filled out an Affidavit of Forgery on XXXX XXXX, XXXX and provided it to TD Bank Customer Service Representative XXXX XXXX. XXXX XXXX indicated that the matter would be forwarded to TD Bank Global Security and Investigations-US. After I heard nothing for 30 days, I called TD Bank Global and spoke with call center supervisor XXXX XXXX. He indicated that the investigation will take 30-90 days, and he will monitor the situation weekly for me from his location in XXXX. I heard nothing, and called again on XXXX XXXX, XXXX, and spoke to XXXX at Ext. XXXX. She refused to give me her last name, but told me XXXX XXXX would call the following day. He did not call. On XXXX XXXX, XXXX, I called again, and spoke with XXXX XXXX. He indicated my case was # XXXX and was assigned to XXXX XXXX at XXXX, and that she would call me. I spoke with with XXXX XXXX. She repeated what I previously had been told several times. My check was altered and presented to XXXX XXXX, which honored it, and presented it to TD Bank, which also honored it with my funds, even though it was obviously altered and presented for payment 8 months after it was written. I told XXXX XXXX I understood TD Bank had a subrogation claim against XXXX XXXX, but I did not want to wait any longer to be reimbursed by my Bank while it pursued XXXX XXXX. She promised that {$250.00} would be credited to my account. This conversation occurred several weeks ago. A XXXX TB Bank teller told me yesterday that no credit had been posted to my account. The TD Bank voicemail advertises the it provides " Legendary Service. '' I have been a customer of TD Bank, and its predecessor, XXXX XXXX, for more than 40 years. I feel I have been treated with indifference and unprofessionally by my Bank. I want my account credited with the {$250.00} that was forged against my account and honored by my Bank.
On XX/XX/2018 a {$400.00} withdrawal was made from my checking account from an ATM in XXXX XXXX, WA. On XX/XX/XXXX I saw the withdrawal while reconciling. I did not make this withdrawal, so I called Bank of America and cancelled the debit card, reported the fraud, filed a claim, and a credit was issued. Claim number : XXXX. In XXXX the credit was reversed and a " claim denied '' message sent with no details. I called Bank of America to ask why the claim was denied and was told no information is available beyond the town ( XXXX XXXX, Wa ), the name " XXXX  '' ( which means nothing to me ) and the date. I went into the XXXX WA branch office to speak to a representative and was told that no one in the office could help me. In fact that because it was fraud related, nobody could even talk to me about it. I needed to call of fax the fraud department. I called back and re-opened the complaint. I asked for 1 ) the time of the transaction, 2 ) the location of the ATM and 3 ) the reason the claim was denied. Roughly 1 month later I received another claim denied message with no information. I called the fraud tel # again. This time I was given a reason : my card has a chip so I must have used it myself or given the card to someone. They still could still not give me an ATM location or transaction time. I can prove I was not near XXXX XXXX on that date so I re-opened the claim. It's now XXXX and I have not received a response. From my perspective, {$400.00} was taken out of my account and Bank of America is refusing to provide the necessary information so I can pursue it.
I have disputed the XXXX student loans that XXXX XXXX XXXX claims that they own but it shows multiple owners on the paperwork I received and XXXX just sent the account over to collections law firm before giving me the validation of debt that I asked for back on XXXX/XXXX/16 and XXXX/XXXX/16 and I was told that I would have to settle the debt for XXXX %. I only received the validation of debt when it was sent to a collections law firm. XXXX XXXX has gotten into trouble just sending the loans over to a collection law form without doing a validation of debt per request. The loans need to be removed from my credit report, I have asked all XXXX credit reporting agencies to remove it but they never do. Per the FDPCA if a company fails to send me the validation of debt per request within 30 days, then the items must be removed from my credit report. XXXX never gave me those but sent the accounts to the collections law firm, this is ruining my credit. XXXX states they are the recordkeeper for XXXX XXXX XXXX but no way to talk to anyone at XXXX XXXX XXXX or for them to explain why XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are all on the paperwork. No clear owner of the loans, at first they had XXXX XXXX XXXX doing their dirty work. The credit bureaus must tell me how they could this loans still belong to me. The credit bureaus only seem to parrot what the companies tell them which is unfair and illegal. I have disputed the delinquent being on my credit report for several years now, I never signed any agreements with XXXX XXXX XXXX and they do not won my debt either, they are committing fraud against me.
I am refinancing my FHA mortgage into an FHA streamline from US Bank to XXXX Mortgage. XXXX reached out to US Bank via fax at XXXX on XXXX XXXX to request a payoff amount, and has yet to receive anything as of today, XXXX XXXX. This is holding up my closing date, which now will most likely have to be moved back. I contacted US Bank on XXXX XXXX to get this request expedited, and I was told that they did n't have a request on file, despite the fact that my loan processor from XXXX had spoken to US Bank several times over the phone between the XXXX and XXXX to get the payoff sent. I was told that because their fax machines are constantly busy, the initial request from XXXX may not have made it through, causing the delay. For an institution as big as US Bank is, this is utterly unacceptable, and it is doing me a disservice as a consumer and customer. I was told in my conversation last night that the payoff request is being sent to XXXX, and they should receive it in XXXX72 hours. For something that should only take a couple of hours at most to process to take XXXX3 days, in addition to the 5 days previous it has been on hold for is absolutely unacceptable, as my account is up to date and current, so nothing should be holding this up.
Capital One has been settled through XXXX on my behalf and is being paid but not reflecting this on credit report, balance has not been reflected, still showing as chargeoff/collection account. The balance is incorrect. and should say paying as agreed, as it is not with a collection agency it is still with Capital One.
Today, XX/XX/XXXX, I received an alert regarding my credit reports ; therefore, I login to see a new collection account from the creditor. I 've never had a payday Looan with original creditor nor have I been contacted by the creditor. My credit toke a 20 to 26 point hit over something I 've never owed. I research company and noticed many other consumers stating they received hits on their reports this month as well unexpectedly. This should be illegal. I 'm just asking for relief. Repairing my credit after a bad marriage has been hard enough and to have this happen makes it feel useless.
On XXXX/XXXX/XXXX, I was called by a man who asked if I would be at home on XXXX/XXXX/XXXX at XXXX. I told the man I would not be home as I would be working. The man said he was a process server a nd I was being served. I asked if I could meet him somewhere to pick up the documents, he replied no. I asked him if I could contact somebody and he gave me the phone number of XXXX. He said ask for XXXX XXXX. XXXX XXXX identified himself as an attorney for XXXX and immediately accused me of committing fraud, deceptive practice, and that I would be arrested for a debt from XXXX XXXX XXXX for refusal to pay, that was supposedly taken on XXXX/XXXX/XXXX. I informed him I did not recall any debts of that nature. I asked him why have n't I received any notifications of this debt prior to this call? He said Mailings were sent out but they must have been lost in the mail. I asked him if there was any way I could rectify it? He said the debt was for {$970.00}. He would have to talk to his partners to see if anything could be done. XXXX XXXX told me I could settle the debt for one payment {$580.00} or 2 payments of {$320.00}. I asked XXXX XXXX if they had a website? He gave me the " XXXX '' I asked if I can receive a mailed copy of the debt and receipt of payment, he said sure but he would send me an email if I made a payment immediately. After receiving an email. with the letter head of ( XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX XXXX : XXXX ) I called the number and inquired about the debt. The receptionist did not have any records of me owing the debt. I asked her if she knew XXXX XXXX and she did not know who he was either. After alittle more research she said call the number on the website as it may be a sister agency. Upon calling it a receptionist answered and transferred to XXXX in house extension. After another conversation with XXXX XXXX and hearing crying from a child and a female cussing in the background. A payment was agreed upon in an attempt to stop the threatening calls to myself and my father ( received a call from this group ). XXXX XXXX transferred me to a number of XXXX, a XXXX number for a company of ZFN Associates ( ref # XXXX ). 

On XXXX/XXXX/XXXX I received phone messages ferom XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX As of XXXX/XXXX/XXXX I have not received any mailings regarding this debt or the validation of this debt.
I have an online business, and I am victim of a Cyber-Crime by an individual XXXX XXXX, XXXX XXXX XXXX XXXX, New York XXXX. I have submitted police reports in XXXX Oregon XXXX and NYC/Precinct XXXX XXXX XXXX where the perpetrator lives. 

As a member XXXX who does all my processing, I was assured protection from illegal charge backs. However XXXX have lost 4 times including XXXX ( by XXXX XXXX ) that were done under XXXX seller protection and clearly showing customer agreed to terms and conditions of sale which was blatantly violated by initiating charge backs. 

When presented with all the evidence which XXXX states was more than enough : IE signed delivery receipts by XXXX and consumer emails confirming the order - including my calls to XXXX prior to fulfilling each order and being assure with signed confirmation of delivery I would be protected by XXXX - XXXX now refuses to honor their liability. 

To date I have paid {$2300.00} in illegal charge backs to XXXX. Within two days of the last demand for {$3100.00} I was sent to their collections agency. Even though I consistently paid their negative balances and been a customer for many years. Also XXXX refuses to honor their processing fees agreement that I had confirmation in writing by their own Account Executive. 

I spoke to an attorney who looked over the contracts ( neither of which I was ever presented with nor signed ) and it states all legal action must be done under the laws XXXX. Clearly evasive action by XXXX not to honor their commitments. The internet is full of cases where XXXX routinely losses all chargebacks then bullies the merchant into paying. I contacted several attorney 's in Oregon and NY whom all state XXXX is notorious for this practice. 

There are XXXX more charge backs potentially coming from the same customer whom XXXX advised if they keep losing the person will continue to keep lodging charge backs. The final XXXX will be an additional {$5000.00} plus XXXX fees. 

I need help. XXXX is trying to bully me into paying them or they are blackmailing me with the threat of a lawsuit thus negatively impacting my credit. 

I have all the evidence to support my claims. Being a small XXXX person business owner it is near impossible for me to weather these financial demands that law enforcement and attorneys state is improperly demanded by XXXX. Please contact me for any additional information. I have also filed with the FBI.
I never received any notification from XXXX XXXX XXXX about this debt. This debt keeps getting sold from one collection agency to another. I have disputed this debt with the three bureaus and had it removed for failure to validate because there is no contract for this debt. However, each time they sell it to another collection agency it is yet again reported to the bureaus. If there was no validation of this debt with the previous collection agency, there still isnt any with the current and it needs to be removed from all three bureaus immediately.
I was not contacted or informed of this item, this item was added to my credit report without contacting me, and i have no knowledge of this item. If this is not corrected I will contact my Attorney General.
Dear Consumer Relations : Please be advised this letter is being sent to request an investigation with your agency into a public record entry being reported onto my credit report under Bankruptcy Chapter XXXX-Dismissed for account # XXXX and that I have been trying for over three months to get this incorrect entry removed. I have spoken with numerous representatives, supervisors, and managers in regards to the erroneous public record and yet to get this inaccuracy rectified. This is my fourth attempt to dispute this item in which I have not received satisfactory results. 

On XX/XX/2018, I mailed a notice to TransUnion in an effort to have the inaccurate item removed or for the credit bureau to produce written documentation, in reference to how TransUnion has verified this erroneous public record. I inquired to know this information as the public record continues coming back as my public record. In addition to my several written request. I have spoken with various customer service representatives and 3 of the 5 informed me that the request/dispute is sent as a message to the courthouse and once the court verified it, the information is sent back to TransUnion. I was advised to contact the court directly to inquire on their protocol and procedures, for submitting public records to various credit bureaus. After I contacted the court, the clerk advised me that they do not disclose, release or verify any information with the credit bureaus or any 3rd parties. At the point, I contacted TransUnion once again and spoke with another representative, this time he advised me the information is verified by a runner who goes to the courthouse. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. At this time, the representative was unable to answer my question ; as a result, I requested to speak with a supervisor. The supervisor advised me, unfortunately, I can not provide you with any information in regard to our investigation. He also doubles down, I can not comment on that, because that is XXXX policy that we can not disclose the source of any investigation. He advised me that they use a form which is sent to the courthouse. I asked what type of form and exactly where the form is sent as the court clerk confirmed that they do not verify any information with the bureaus. 

Furthermore, I asked if he could provide me with a copy of this form. TransUnion refuses to give me any physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine. I provide a letter from the Bankruptcy Court and the others XXXX and XXXX regarding my security freeze to validate my claim. I am requesting assistance in getting this ongoing issue resolve. 

Respectfully, XXXX XXXX
Received a letter from Hunter Warfield dated XX/XX/18, addressed to my work place not my home, confirming that they had received my claim of fraudulent ( which I was not aware that I had filed ). They requested that I provide them with certain information, cop of ID or valid driver 's license etc ). I called them and went through several departments. finally got connected with a support Dept. and the person wanted more information again, which I did not provided. I questioned the fact that the letter was sent to my place of business/work and all of a sudden got disconnected. I am afraid this company is fishing for information and uses fear tactics to get information. I don't know whether they are using it for ID theft or anything else.
a yes I have filed a complaint with the FCC and transunion sent back saying they did not get enough info to solved my disputes -- could you let them know I am speaking about the collection of XXXX XXXX I was so sure all you had to do is what collection did you take off in XXXX XXXX and then put it back on in XXXX XXXX and yes I did filed a complaint in XXXX and the complaint was about the collection and why do you have to contact them when you were the one who removed it again do I have to wait another 7 years
XXXX XXXX XXXX is still showing negative information on my credit report which is illegally damaging my credit report. I incurred a hardship back in XX/XX/XXXX and stopped paying my bills on XX/XX/XXXX, I lost my home and was unable to meet my obligation. I lost everything. Because of the 7 year rule this account should have been removed from my credit report last XXXX XXXX. It still shows up on my report. I explained that collection agency contacted me and offered to pay towards the balance. I explained that I was XXXX because of my tour fighting for our country and was unable to pay the bill. The collecting agency said that they would make payments on my behalf. I again explained that I would not pay this bill.
The company took {$1400.00} from my checking account before I agreed to the terms. There was no third party verification and the supervisor was pressuring me and trying to intimidate me into paying {$4500.00} which I explained that I could not afford. I told him I was no longer interested in the payment terms. I then went online and paid the past due amount to XXXX XXXX on the XXXX of XXXX, 2017. The next day, on the XXXX, of XXXX 2017, Firstsource Advantage , LLC. took the {$1400.00} out of my checking account without my authorization with a check that appeared to be written by me.
initially they had taken funds on days I didn't authorize I then tried to contact someone and it took several days but no one returned my call. I was sent to an answering machine. Days later I contacted a representative and spoke with XXXX XXXX and a gentleman by the name of XXXX. funds were not returned. I then had to speak to my bank. They are now sending harassing threatening debt collection tactics after I canceled the ACH pay from my personal account. They are calling my cell XXXX constantly emailing me at XXXX. I really need them to stop.This is what they sent me. 

-- -- -- -- -- Forwarded message -- -- -- -- -- From : " Loantopia '' XXXX Date : XX/XX/2018 XXXX XXXX Subject : Don't wait - Legal action may be soon To : XXXX Cc : XXXX XXXX XXXX, XXXX, CA XXXX XXXX Notice XXXX Intent to Recover XX/XX/2018 RE : XXXX XXXX XXXX, We have been most patient, but you have failed to respond to previous notices regarding your account with Loantopia, formerly Shoreside Loans.  We now have no alternative but to require immediate payment. Failure to respond may lead to legal action against you. 
Your account is now severely past due with a total outstanding balance of {$3000.00} and is being prepared to be presented to our Legal Department for the recovery of your debt to Loantopia, formerly, Shoreside Loans. This may cause you to incur additional legal costs and fees associated with the recovery of all amounts owed. When approved, Loantopia, formerly Shoreside Loans, may obtain a judgment against you that will be immediately recovered via a wage garnishment order to be executed through your employer, XXXX, at a rate of 25 % of your disposable income until all amounts obtained through the judgment are satisfied. To avoid these actions, we must obtain payment and set proper arrangements to bring your account current through any of our available means of assistance. You may begin this process by contacting an account specialist at XXXX, or you may reply to this email. We appreciate your cooperation and look forward to resolving this matter with you, thank you. 

This is an attempt to collect a debt and any information obtained will be used for that purpose.
I have disputed a debt with XXXX XXXX XXXX, and they have not provided me any validation that the debt belongs to me. I have asked them for a signed contract between myself and XXXX XXXX XXXX, and have also asked the original creditor ( XXXX XXXX XXXX ) for a signed contract. The original creditor said that they do not keep information on file after the debt was sold. They did state that the amount of the debt was {$3900.00}. The debt was sold to XXXX XXXX XXXX on XXXX XXXX, 2013, and since then XXXX XXXX XXXX has reported that amount owed is {$4000.00}. This is a clear violation of the FDCPA by XXXX XXXX XXXX. I am not assuming responsibility for this debt, nor am I claiming ownership. XXXX XXXX XXXX has failed  to provide clear validation of this debt by not providing me a signed contract with my signature on it. So they are in violation of the FDCPA and FCRA. I am demanding that this debt be removed from my credit report by all 3 credit reporting bureaus.
I have been trying to get a Loan Modification on my home due to loss of job in XXXX when I received original loan and now being full time employed but at a much lower salary. I have repeatedly mailed, emailed paperwork to Pacific Union Financial to continue to be told information is missing, which they find was actually sent when requested, to be told by numerous employees of PUF different stories, letters are in the mail, underwriting has it in there hands should be approved next few days to, today being told my the Rudest of all XXXX in Loss Mitigation that since my appeal letter, my payment has actually gone up. I Am At A Loss and can get no help and no resolution.