WillisBack/dataset-financial-user-claim huggingface dataset:
" XXXX '' from XXXX XXXX XXXX, is obsessively calling me on my personal line and my work line, stating that a criminal charge of check fraud has been attached to my social security number and state ID. She did not even mention a debt, just continued on about criminal charges. I have no idea what this is about and I am aware of any debts I currently have and are in contact with those accounts, so this is nothing I am familiar with and seems fraudulent, as there is no proof or info to give me, just threats.
Bank Of America is reporting to XXXX XXXX that the following account was mine. 

Account # XXXX They said the account was closed due to transacting. 

I never had this account nor did I open it. 

I have called them and their Risk / Recovery gives me the run around. I have been tying to get this removed from XXXX XXXX for a yr! 

Please help me resolve this, Thanks XXXX
Disputed information on Experian credit report about XXXX XXXX XXXX mortgage. The mortgage was included in bankruptcy discharge XX/XX/2015 and the account still has the activity from prior bankruptcy being reported. When attempting to dispute - prompted that unless new information was obtained, new investigation not available. 


1. The first investigation was not updated. 
2. The accounts activity, history and balances are being reported incorrectly 3. The account is closed. 


per FCRA : This item ( s ) is ( are ) inaccurate because ( list exactly why each item is incorrect or incomplete for instance, The debt was included in my bankruptcy and is only allowed to be shown as a XXXX balance-discharged in bankruptcy. No other negative information is allowed to be listed on that trade line. 

Further all other accounts that were included in bankruptcy are being reported this way and need to be reported correctly.
ADDITIONAL INFORMATION RE : CFPB COMPLAINT # XXXX Dear Consumer Financial Protection Bureau, Yesterday, XXXX/XXXX/XXXX, I submitted a complaint regarding Union Bank. I wanted to add for your records that I have had XXXX major problems with this bank : 1 ) XXXX XXXX -- an unscrupulous debt collector, XXXX XXXX, an attorney in XXXX, XXXX, called me repeatedly at work over a very old credit card debt. In order to stop this harassment at my workplace, I very unwisely agreed to have $ XXXX/month payments taken out of my checking account. The original credit card debt was about {$500.00}. 
Sure enough, XXXX office took withdrawals of {$500.00} here, {$300.00} there, another {$500.00} there, etc. My bank account, much to my dismay, was completely cleaned out by XX/XX/XXXX. At least XXXX or XXXX checks bounced. My brother-in-law and I then met with a Union Bank officer, XXXX XXXX, in the XXXX, XXXX office in XXXX XXXX. I filed a claim with the bank, and said I had only agreed to {$100.00} per month deductions to XXXX. The Risk Management/Loss Prevention department at Union Bank headquarters in XXXX, XXXX denied my claim, however, as they said I had an oral agreement with XXXX. I expressed much concern over all of the unsigned, electronic drafts that were made to XXXX, even though I had never approved of any of those amounts. My protests were to no avail. I should have hired an attorney at the time, but I could not afford one. It was an extremely painful lesson. I did file an online complaint with the Attorney General of the State of XXXX, but I never heard anything back. 
2 ) XXXX XXXX - XXXX XXXX -- I received a new chip and pin debit card from Union Bank XX/XX/XXXX. The card did not work, however. My purchases were denied, and my automatic payments to XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX were also denied, which caused my auto insurance to be canceled twice. ( I pay the insurance on my car, and also on my mom 's car. ) I was then sent a second chip and pin card ... that card did not work either. I actually went five weeks without any kind of a working bank debit card. Finally, the president of Union Bank, in the XXXX, XXXX office, helped me resolve the problem. He had heard about my continued bank card problems through the Union Bank customer service center and/or the Consumer Financial Protection Bureau ; the bank president then had a new chip and pin card sent to me via overnight mail in XXXX XXXX. I did appreciate his assistance, as well as the CFPB 's assistance, with the matter, and decided not to change banks. 
XXXX ) XXXX XXXX -- I discovered that excessive checking account fees had been charged. I was never notified in advance of a {$30.00} per month bank charge for " having a low checking account balance. '' Please see CFPB complaint # XXXX. 
The third time is not really the charm with Union Bank ; however, before I switch banks, I would like to hear Union Bank 's response.
Submitted evidence of letters to and from creditor, XXXX XXXX XXXX XXXX, to Equifax and XXXX. After initially disputing a negative account on my credit reports with Equifax and XXXX, and being told by each that the account was verified or updated without any evidence or proof of this alleged verification, I was then requested by each bureau to dispute the negative account directly with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX has been reporting for over 6 years now an account that shows a zero balance owed but indicates XXXX alleged late payments.I then sent a certified letter to XXXX XXXX XXXX XXXX on XXXX/XXXX/16 requesting verification per Section XXXX, and that it will be a violation of the Fair Debt Collection Practices Act ( FDCPA ) to not provide me proof of such a negative account. For the purposes of 15 USC 1692 et seq., I disputed the validity of the alleged debt and a dispute to the validity of its claims. ( see attached ) I received XXXX separate letters from XXXX XXXX XXXX XXXX in response to my XXXX letter -- XXXX dated XXXX XXXX, 2016 ; and XXXX dated XXXX XXXX, 2016 ( see atatched ) -- each requesting that I provide the burden of proof for the negative account reported to each credit bureau. I replied with a second letter on XXXX XXXX, 2016 ( see attached ). Again, I reminded XXXX that per XXXX XXXX XXXX et seq. it was required by law to provide me signature proof verification and documentation of this reported account. I received a response dated XXXX XXXX, 2016, which was the same form letter sent to me on XXXX XXXX, 2016, with just the date of the letter changed ( attached ). I then sent all of these letters and correspondences to each credit bureau on XXXX XXXX, 2016, requesting each delete the negative account because XXXX XXXX XXXX XXXX failed under the law to provide any burden of proof for reporting this account. I received a response from XXXX dated XXXX XXXX, 2016 ( attached ), stating it " updated '' the account -- even after providing all of the evidence to show that XXXX XXXX XXXX XXXX violated the law and that XXXX was as well by not providing me any verification of proof and must delete the negative account. The same series of responses and correspondences and results came from Equifax ( attached ). I have not heard back yet from XXXX after 30 days. All three legally must delete the negative account or face a small claims action for {$3500.00} each in a court of my jurisdiction -- plain and simple.
although I have a pending dispute filed via the CFPB, I am still receiving repeated phone calls asking for this debt to be paid. I filed a ID Theft Affidavit ( # XXXX ) in XXXX 2014 ; I wrote repeatedly to the XXXX credit bureaus and the collection company in XXXX, this account is still reporting in my credit file. This account was opened after my information was stolen due to a XXXX breach of security.
You issued a loan in my name that I did not apply for. I want to know who provided my information to your company because this is illegal. I will be prosecuting to the furthest degree. I can not believe this is something that your company agrees with and is willing to steal from people. People who are already in financial hardships and you still allow your company to steal from them. I am extremely disappointed that this is the way the human people take care of each other. Never mind we have to look out for what the government does and the world in general. Now we have to worry about companies like yours taking money from us as well. People who work hard for there money and to keep there information protected. And you release as if it is nothing. I hope you sleep well at night.
I called Chase bank on XXXX ( XXXX XXXX XXXX, XXXX ) on XXXX/XXXX/2015 and talked to the Branch Manager XXXX regarding converting checking/saving account into a trust account without closing the existing account because I have my direct deposits, auto pay all taken from this acct. He told me there should be no problems and come to the branch and the banker could assistance me with this. On XXXX/XXXX/2015, I went with my trust documents to setup the acct and was told by a rep that I had to close existing acct and had to reopen with new acct. I asked to talk to the manager who was not present there. I waited for 20 minutes and called Chase Customer Service regarding the policy and was told that I should be able to convert without closing the acct. The Customer Service rep requested to talk to the branch but the branch rep refused to talk to the Chase CS. Later the manager called the branch and requested to talk to me as I was on the phone with Customer Service. My husband explained to him about the situation and the manager denied my conversation regarding what he had told me on XXXX/XXXX/2015 and said if we are not satisfied with the service than go ahead and close the acct and take it to a different bank. I also have an account with XXXX XXXX XXXX and they were able to convert my checking/saving acct and put into a Trust acct without closing the existing acct. If both the banks are regulated by OCC and FDIC then why different policy. Please advise.
There is a prior CFPD complaint ... unresolved concern ... .I have a credit card XXXX that was reported on all three Credit Bureaus XXXX , XXXX & Transunion . Having a revolving charge card, that is paid appropriately is an additive to booster the my credit score. Transunion Credit Bureau deleted XXXX ..all XXXX data relating to me for my Transunion Credit report XXXX There was small discrepancy, I disputed on XXXX history, this resulted all of the XXXX card business to be deleted. The other two Credit Bureaus deleted the small bit of disputed data. Transunion action results in a lower score and higher interest rates, costing us thousands of dollars. We are livid.
I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX, XXXX, TRANSUNION AND XXXX   XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018,  includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX, XXXX, TRANSUNION AND XXXX continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
I always received my statements and notifications by e-mail. Faithfully I 'd receive my target emails every month. Then it stopped. I figured my balance was paid off since I was n't getting any more alerts or statements. Then yesterday I get a letter in the mail stating it was an attempt to collect debt. I paid my bill immediately considering I did n't even know I had a balance of any sort. But I received no notifications of payment due. Not sure if it went into my spam-it never done that before and we had the credit card for years-but even spam deletes itself after a certain time, so I could n't even be sure it went to my spam. Just know i did n't receive any alert. I am more than happy to pay the balance but not the steep {$130.00} fine. I called several times and they wo n't remove it. I am a faithful paying customer with a high credit score. They should check my history and see this is not my typical response, considering I 'd been a customer for years. Also I did n't receive any form of letters in the mail until after fifty days. If my account was overdue I should 've been alerted by mail way before this.
I have a car loan with Santander Consumer USA in XXXX, TX. On XXXX XXXX, 2015 I attempted to buy a new vehicle at XXXX XXXX. XXXX Santander refused to give a pay off amount to XXXX XXXX saying my loan was in bankruptcy. That was incorrect. I had a previous bankruptcy that was discharged, and the vehicle in question was never included in the bankruptcy, yet they said it was and refused to give the pay off. I called them and they argued with me when I tried to clear the matter up. They finally gave a verbal pay off. XXXX XXXX said due to previous problems with Santander on verbal pay offs-they wanted it in writing. ( They said when they have had cars in bankruptcy ; they 've accepted a verbal XXXX day pay off, then sent them the money in time-yet Santander refused to send the title to XXXX XXXX saying more money was owed due to the bankruptcy. ) XXXX XXXX called requesting a written pay off and so did I several times and Santander refused. I even requested as the customer to fax it to me and they refused. I would call back and ask to speak to a supervisor and either be told none were available, or was transferred to voice mail ( Supervisor XXXX XXXX ) and I left messages to never receive a call back. I was hung up on XXXX-XXXX for explaining that the line I was speaking to them on was recorded ( I am a XXXX XXXX and all our lines are recorded ) when she heard that she told me " we can not be recorded, so now that you 've told me that, I 'm hanging up '' and did just that. Another hang up came when I told the representative I was filing a complaint with your agency in the event I was not allowed to purchase the car due to their failure to send a pay off ; she told me " now that you 've told me you 're filing a complaint-I am blocking you from accessing any information on your account, and I 'm hanging up on you '' and she did so. They NEVER did send a written pay off. Fortunately for me, XXXX XXXX accepted my old bankruptcy papers showing proof my trade in car was never in the bankruptcy, and they accepted the verbal pay off and let me purchase the new vehicle. Santander demonstrated HORRIBLE customer service to someone that had a car loan with them for XXXX years and they would always tell me I " was a valued customer ''.
On XXXX/XXXX/14 my wife was in XXXX. I had called her insurance company, XXXX XXXX, asking them what I could do. The representative told me to take her to the Emergency Room and not to worry because it would be covered under her plan. 
About a month or two later we started getting notices from the ER billing agency that the insurance company was denying the claims, but no reason was given. 
I kept telling them to please contact the insurance company to get the reason, and regardless, to have the recorded call audited for the representative telling us the service would be covered. I also contacted the insurer to have them audit the call and get this settled. 
No one contacted me back from either the billing agent or the insurer. Next thing we knew we received a letter from a collection agency, Transworld Systems , Inc., that we owed the money, and again, no explanation. 
These calls are recorded for a reason and this was one of them. I was TOLD to take her to the ER and that it would be COVERED. Now, the bill is in our laps and no entity is taking the initiative or responsibility to audit that call.
Long issue condensed:1. Debt collector ( Enterprise Recovery Systems XXXX Inc. ) sends letter to me XXXX/XXXX/15 with 30 day deadline to respond. 
2. Response letter ( offer to settle account valid until XXXX/XXXX/15 ) from my attorney sent to ERS XXXX/XXXX/15 via fax and US mail. 
3. No response from ERS. 
4. ERS places file on my consumer credit reports XXXX around XXXX/XXXX/15. 
5. I call to follow up on why that happened, as my offer to settle on XXXX/XXXX/15 was never responded to. Spoke with XXXX XXXX XXXX/XXXX/15. Explained that I do not owe the debt, as it was discharged under XXXX subsequent to my unanswered offer to settle. Offered to send proof. XXXX was supposed to investigate and call me back. No response. I called several times and left messages on XXXX ' voice mail XXXX, XXXX and XXXX. No return calls. 
6. I file a complaint with Michigan Attorney General around XXXX/XXXX/15. 
7. Call from XXXX XXXX XXXX Ombudsman XXXX for ERS on XXXX/XXXX/15. Says she 's following up on my complaint. Offered to send proof of discharge. She gave me fax/phone number to do so. 
8. XXXX and XXXX faxed proof of discharge to ERS. 
9. Called XXXX XXXX, XXXX & XXXX to follow up on fax. Left messages on the XXXX and XXXX with no response. Finally spoke with XXXX on XXXX. Stated she did not receive any faxes from me. Asked for her email address to resend. 
10. Sent email with attachments showing proof of XXXX, XXXX & XXXX faxes in addition to XXXX letter. Requested from XXXX, but did not receive, receipt confirmation of email. 
11. Called XXXX XXXX/XXXX/15. She stated that she did receive my email and that she forwarded it to their client, XXXX Michigan University, for review. 
12. I asked her when she anticipated a response from XXXX. She stated she would follow up on Monday XXXX XXXX/XXXX/15 XXXX. Told her that I would call her on XXXX/XXXX/15 to ascertain XXXX 's response. 

Conclusion : In light of all the lies, deception, wanton neglect, I do not trust that ERS will or has followed through with anything they claimed they would. I have repeatedly called this business -- sometimes receiving busy signals, people picking up the phone then hanging up, denying receipt of faxes and mailed documents, etc. They are extremely unprofessional and inefficient. Meanwhile, THEY HAVE REPORTED THIS ACCOUNT TO THE CREDIT BUREAUS AND CAUSED MY CONSUMER CREDIT SCORE TO DROP BY XXXX POINTS!!! ERS sent me a letter dated XXXX/XXXX/15, where XXXX issued a weak apology for human error as to why the XXXX letter was never responded to. Nonetheless, as it stands, ERS ' negligence has caused me to lose out on business opportunities and I want this account to be removed from my credit ASAP! 

I can send CFPB proof of everything asserted in this complaint. I am frustrated and need intervention today. 

Thank you,
Submitted numerous disputes with fraudulent credit card, XXXX Credit Card, and with all of the credit bureaus, showing on my credit report. Submitted multiple times, through fax and mail my police report, identity theft report id and copy of the regulations requesting immediate deletion from my credit report. XXXX and XXXX  have both deleted this account. Equifax has NOT. I followed up numerous times to get status updates and have been told for over 30 days multiple times that it was still being investigated. This needs to be corrected immediately.
On XX/XX/XXXX I received a text message regarding a refund. I immediately called customer services to inquire if this was a legitimate text. It should be noted no information regarding this refund was available for me to review in my on-line profile. Also, I have long maintained that I do not want to receive any items via the mail as I don't believe I my mail is correctly delivered. This has been my known preference on this account for several years. After several back and forth transfers between the security team and the customer service team, I was told this was a legitimate text and I should receive a letter along with a check in the next 4-6 weeks. The customer service rep was unable to provide me any information on the amount of the check or any details regarding the time table. I then looked up the information through the media and discovered the refund was in regards to Reg Z violations. I waited the appointed time and still received nothing in the mail. In early XX/XX/XXXX, I again called the service team who told me they put in a request in to have the check reissued and I should wait an addition 15 days. I called back in late XXXX and was told they could direct deposit the funds into my account. They finally informed me the amount of the refund at this point. They explained I should wait 3-5 business days. On the fifth business day, I received a letter in the mail that stated " Please be informed that we are unable to assist you with an Annual Percentage Rate ( APR ) refund check. '' It should be noted that the letter did not contain the appropriate tracking number needed by XXXX, their third party provider. I again called customer service and this time I was given a number for XXXX. XXXX informed me a letter and check was issued back in XX/XX/XXXX. They could place a stop payment on the original check and I would have to wait an additional 40 days to issue the check. I feel as though Citi purposefully engaged in unfair, deceptive and abusive behavior in regards to this settlement in hopes I would be discouraged. I believe my situation is not unusual and more than likely evidence of a pattern of behavior that was intended to discourage consumers from rightful obtaining their refunds.
I have a credit card with XXXX XXXX XXXX and financed with XXXX XXXX. The agreement was o payments o interest until XX/XX/XXXX they charged ne XXXX every month and additional they report the account past due on my credit report. I submit a dispute and they corrected the credit report as outstanding for the month of XX/XX/XXXX. On XX/XX/XXXX they reported 30 days past due again and I made. I wanted XXXX XXXX to correct my credit report and eliminate the 38 charges for late payment. That constitute a deceptive and abusive action from XX/XX/XXXX. They also decrease approved credit limit.
Lately I 've been receiving messages for XXXX XXXX and XXXX from TD Auto Finance. I called back and each time I called the number back the phone ring one time. Eventually I went online and got a contact number and I answered questions and reported that I do not have a account number or have any business with this company, and yet I am receiving messages for XXXX and XXXX XXXX ; I was told that it was a mistaken call and my home number would be removed. 
Several days later TD Auto Finance called again and asked for XXXX XXXX and I said, " you have the wrong number. '' Then I was asked do I know a XXXX which quickly annoyed me because I do all the financial paperwork for my family and the cars that we have were never financed with TD Auto Finance. 
Its really a concern to me when I gave this company factual information and had to demand that they do not call my home number again. 
I do n't know they purposes for calling, I 'm not XXXX. This situation became ugly in no time because when you have the wrong number it 's wrong!!! I also warned this company that if I get another call that I was going to contact the Bureau of Consumer Financial Protection ; and well that did n't help because I still getting calls from a XXXX XXXX XXXX at TD Auto Finance. 
Please help me in this matter and my patience are now thin and I know that it not good for my health. Any thing you do I would be so graceful. Thank you all for understanding.
Wells Fargo has once again refused to respond to my request for information. I have requested information on the number of home foreclosed in the past two years, the census tract where they are located and the approximated value of the homes. 2. I have requested information on the reason Wells Fargo would not accept my reinstatement documentation on the day of the sale.