WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Office of the Comptroller of the Currency, I am writing to you because the Office of the Attorney General recommended your assistance to my case. 

My name is XXXX and I am seeking legal advice. I was recently scammed by an employer online through XXXX who exploited me using fake cashier 's checks. He asked me to deposit the cashier 's checks and then wait until the funds became available. The funds became available the following day. He asked me to take the funds out of my account and deposit them into another account as a task under his employment. The tasks were to send money to an employee at a foster care home so that the employee could buy toys for the foster children. 

A few days later, I noticed that my bank account was at a negative balance. I went to my bank, Wells Fargo, to figure out what was happening with my account. The employees at Wells Fargo told me that the cashier 's check had been put on hold and eventually returned as a stop payment. This was the point in which I had realized that I had been scammed. I had no idea that the banks could authorize a cashier 's check and then have it be returned. Since the money from the cashier 's check had already been taken out, Wells Fargo proceeded to take the money that was returned from the check out of my account, leaving my account at a negative balance. 

I have already filed an ICC report through the FBI, but I have not heard from them since I filed the complaint on XXXX, 2017. I have insufficient information on the employer that scammed me, but I did give the FBI information on the name, account number and routing number of the person 's Wells Fargo account that I had deposited the cash into. I believe I have given the FBI enough information to at least track down an accomplice to the scammer. 

I am currently waiting for a response from the FBI because I do not believe I should be held responsible for the fake cashier 's checks. Wells Fargo never once told me that the checks were fake. They simply told me that the cashier 's check was returned by the maker. I do not understand how the bank can allow fake cashier 's checks through their system. I went to the police before I filed the ICC report and the police told me to not pay the banks back. 

I am seeking legal advice because I am not sure if I have a case here. Wells Fargo were the ones that authorized the check. I had no idea at the time that the check was fake. I am confused as to how Wells Fargo let fake cashier 's checks through their system. I am unwilling to pay Wells Fargo back since they authorized the checks and made the funds available to me. 

Thank you for taking the time to read about my case. I am looking forward to your response.
I had a short sale due to financial difficulties back in XXXX 2015. XXXX XXXX XXXX XXXX was the first trust lender. IT was agreed upon that for the short sale to be approved, that settlement was to happen no later than XX/XX/15. ( actual settlement was XX/XX/15 ). The proceeds to be received by XXXX XXXX from the sale must be greater than or equal to {$340000.00} ( which they received ) and a cash contribution on my behalf for {$6000.00} in certified funds ( which they received ). I have a signed letter from XXXX XXXX XXXX  loss prevention supervisor to reflect this and also a HUD 1 settlement sheet. I had my credit pulled this month and to my surprise a collection from XXXX XXXX showed up on my report in the amount of {$54000.00}! I have called numerous times and have been transferred to other departments. I had left messages with no avail. I need your help to have this updated and removed. Is n't a short sale taking less than what is owed? No they want me to pay them back over and above to what was agreed. This is predatory in it 's best nature.
Thank you,
This company, the CBE Group, has been harassing me non stop though my phone is on the do not call registry and has been for years. I dont owe any debts. This company claims that I owe money, wont disclose amounts or information, and calls my phone morning and night, at least 5 times a day. They do not leave voicemails and non stop call even when declined. I need this business to leave my number alone. They call when I am at school and work and are very bothersome and disturbing.
Schools first federal credit union is stating that I owe XXXX. I had a individual that was suppose to deposit money into my account. When I tried to transfer the funds it did not allow me. I was not able to withdraw that amount therefore I do not see how I owe the balsnce.
Current Case No : CFPB XXXX. Your agency contacted XXXX and XXXX ( phone XXXX ) responded by stopping the daily harassing phone calls and " approved the fraud claim ''. The unauthorized charges were reversed. However she states that she will continue to contact me by mail and bill me for " service fees ''. My credit score of XXXX dropped to XXXX when she reported the erroneous credit card charges to Equifax credit bureau as well as XXXX and XXXX. She is not willing to correct their mistakes. I contacted all of the credit bureaus as well as FCC. 
Equifax states that they can not change it without the cooperation of XXXX even though I sent them the apology letter and documentation of charges being reversed as theft. My bank ( XXXX ) alerted me to the credit report or I would have never known about the negative false report. Your help again would be appreciated. 

XXXX
My Auto Loan is not being reported to the Credit Bureaus. I am unable to get a credit score nor am I able to get a home loan because of insufficient lack of reporting to Credit Bureaus. Banks will not accept Credit Report with out a Credit Score
Year end summary provided by citi shows balance of {$2800.00} on citi thank you card ending in XXXX. Please investigate as your balance shows an excess of XXXX.
PLEASE HELP! I 've seen were cfpb XXXX XXXX time XXXX I 'm having the same problem with a smaller carlot in Florida. XXXX XXXX XXXX doing business as XXXX XXXX XXXX. XXXX XXXX XXXX has violated the XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is reporting on my credit that a reposed truck account is still open as of today and it states I 'm over XXXX late. This is a violation of the FCRA. If you read attached documents you will see XXXX XXXX XXXX has resold the truck to someone else who is making payments and XXXX XXXX is the lien holder. I also uploaded a copy of my insurance from XXXX showing the same company was my lien holder. I know it 's a volation of the FCRA for a company to be doing this. Equifax has also not done a real investigation on this matter. I keep uploading proff and Equifax keep allowing XXXX XXXX XXXX to keep in accurate information on my credit report, Which is a major violation for the FCRA. At this point I 'm going to look into legal counsel Against Both Equifax and XXXX XXXX XXXX.
Prior CFPB complaint XXXX prematurely closed by Citi Credit Cards.
Exact problem remains as first reported. Secure Messages are not delivered to customers Inbox. Company denies Data Breach yet can not explain or provide evidence showing that missing data has not been mishandled or delivered.
This is in regards to my Discover credit card. It has a limit of {$7400.00}. My current balance is {$7200.00}. My total credit card debt is over {$15000.00}. I am currently unemployed and I am pursuing a different career path to better take care of my family. I have a son who is almost XXXX and a fiance. At my previous job of 6 years I was only making {$16.00} per hour or about {$35000.00} per year which ended in the middle of XX/XX/XXXX. I am currently cashing out my 401k to pay off some of these debts which is about {$18000.00}. Most of this debt came from the past 3-5 years. After our son was born, my fiance, did a 2 year XXXX XXXX at a local XXXX college. I paid for almost all expenses while she was in school. We didn't qualify for anything more than XXXX ( in Wisconsin ) as secondary insurance for our son. This kind of economic condition resulted in my current situation. I will take part responsibility as I could of been more careful with money. Back to Discover, I had submitted a secure message on XX/XX/XXXX through their website under the topic of " credit assistance request. '' Asking for help to remedy my situation and that I was exploring bankruptcy options at this time. I also included some details on my situation such as currently unemployed. I also opted out of automatic payments through this same message. The payments are scheduled on or around the XXXX of every month. I requested that the email me or send a secure message through the site and that we could schedule a phone call as it would be easier for me. These automatic payments have been going on for over 3 years now for the minimum payment amount. To my surprise, they still haven't gotten back to me and it's a good thing I had enough money to cover the payment from my last paycheck.
Called transunion at XXXX XX/XX/2018 and customer service rep was very rude and refused to help me with these inquiries that were reported on my credit and were not authorized and i believe i was a victim of there inquiry issue in there system.
On  XXXX / XXXX /  XXXX   I filed a complaint with the CFPB in regards to this item/account being reported on my credit report. The case number is  XXXX . The collection agency  LVNV  replied stating that " we are unable to locate an account under the name of  XXXX   XXXX  with the information provided ''. All of the relevant information was provided. My first and last name, my mailing address, original dispute mailed to company as attachments, truncated account number (  XXXX  ) provided on credit report and full ssn number. As of  XXXX / XXXX /  XXXX   this item/account is still present on my credit file, last reported on  XXXX / XXXX /  XXXX   according to credit report.
The outcome of a previous CFPB complaint against Ditech ( case # XXXX ) was that Ditech agreed they made an error by not including my PMI payment in my escrow analysis in XXXX XXXX, therefore this resulted in listing my monthly payment incorrectly, was told it was XXXX when in fact it should have been XXXX. I have been trying to get Ditech to correct their mistake since XXXX XXXX. XXXX XXXX, XXXX Ditech finally agreed they made a mistake and provided a solution to rectify the error, the issue is that they cant seem to follow through with their own solution. Per the compliant Ditech stated " Ditech 's records reflect that you currently have {$790.00} in XXXX, and your loan is due for the XXXX XXXX, XXXX installment. Along with the {$850.00} which is being waived, this will be enough to cover the XXXX XXXX, XXXX, installment and leave {$480.00} remaining in XXXX. Your loan will then be due for the XXXX, XXXX installment of {$1100.00}. You may apply the XXXX balance toward your next payment, in which case you would only need to submit {$680.00} for the XXXX XXXX, XXXX, installment. Otherwise you may have the remaining XXXX applied to principal ''. 
Due to my bankruptcy I can not speak to an actual Ditech rep but rather a 3rd party called XXXX Bankruptcy, who has no authority to make the necessary changes to my account and does n't seem to understand Ditech 's transactions on my mortgage. Per my phone call on XXXX XXXX, the rep and her supervisor still stated I was past due and they could not clarify with me why and stated I now have a balance of {$100.00} in XXXX, again they could not articulate why this was. 
Per Ditech 's proposed solution to THEIR error I followed through on my end by submitting a payment of {$680.00}. Based on what they said, I should now be current, with my payment due date of XXXX XXXX, XXXX. 
I did the simple math of how much I have paid from XXXX XXXX - XXXX XXXX versus how much I should have paid had I been told the correct payment amount : XXXX XXXX - XXXX XXXX - paid XXXX each month = XXXX. 
XXXX XXXX - paid XXXX XXXX XXXX - XXXX XXXX - paid XXXX each month = XXXX XXXX - XXXX XXXX - paid XXXX each month = XXXX These amounts equal {$12000.00} ( Amount I actually paid from XXXX XXXX XXXX XXXX. 
Had Ditech not made the error I should have paid XXXX each month, which would have totaled {$13000.00} XXXX amount I should have paid from XXXX XXXX XXXX ). 
So the difference between XXXX - XXXX = XXXX. 
Ditech agreed to waive XXXX so XXXX - XXXX = XXXX. 

I paid XXXX on XXXX XXXX, XXXX through Ditech 's website. Therefore I should no longer be past due and as of this moment my XXXX XXXX, XXXX should be due. 
I need Ditech to follow through with what they agreed and I need someone to understand my simple math as to what I paid versus what I should have paid and then subtract the amount Ditech agreed to waive and the amount I paid, per Ditech 's solution.
Someone stole my drivers license. Changed the name of all my former employers. My social security card was stolen with the spelling of my name as XXXX XXXX XXXX. I 've once used the spelling of my name on my birth certificate. XXXX XXXX XXXX. I was once married to XXXX. XXXX XXXX XXXX XXXX XXXX oldest son is XXXX. XXXX XXXX XXXX XXXX His date of birth is XX/XX/XXXX. I began using my maiden name when I learned I was a victim of identity theft. My maiden name is XXXX. The FBI told me it was an inside job, when I went to them. IRS told me something similar & told me it 's my family members. A tax return was filed by them in XX/XX/XXXX. This is the year I was laid off from XXXX XXXX XXXX XXXX. The company also have access to my social security number. Social security wrote a query for me with all of the EIN numbers of my former employers from XX/XX/XXXX - XX/XX/XXXX. XXXX XXXX XXXX XXXX  amended & restated all of my tax returns from XX/XX/XXXX - XX/XX/XXXX and made themselves my conservator. In XX/XX/XXXX the company used my stock to sell my home at XXXX XXXX XXXX XXXX TN XXXX. In XX/XX/XXXX The XXXX Family refinanced my home using my XXXX XXXX son power of attorney. The United States Attorney General informed me of this. Fraud interest statements have been reported to IRS. The FBI also told me to pull all of my tax returns.
I was approved for a credit card with CAPITAL ONE. Received the card after a week and activated the card to be use. Wanting to keep my spending in budget I sign up for online log in. It was giving me an error that they couldnt verfify myself or my important when I have the card ready to be use. I called the customer service and had me fax over verification ( which was interesting because they have approved me already and the card was ready for use ). I didnt hear from CAPITAL ONE if they received the fax or the issue was resolved. I called again on a Thursday to ask if the issue was fix but I couldnt still sign up for my online account to view my transaction. Customer service moved me from phone call to phone calls of different agent. They said they received the fax information and it should work on after 72 hours, which was Saturday. Tried again on Saturday and the same issue show up. Couldnt call during that time but I wanted to try to sign up to monitor my card transactions. Tired Sunday hoping everything will work and yet it still was the same issue. Called again the customer service and they said they dont know whats wrong with the account and I have to explain thing over again. Wasted 2 hours on my day off and family day becuase of their inconveniences and the fact that I have done what they ask to do in the beginning and now they wanted me to repeat everything again and wait another week for see all my transactions online. At this point I just wanted to cancel the account because I was not getting the service that I expected and the stress was not worth it anymore. But now if I cancel the account it was going to affect my credit score and Ive always make sure that my score was always excellent. But now I am stuck with a horrible service and I cant do anything as CAPITAL ONE is not even trying to take matter at this point. The service they promised was not being provided!
TransUnion is no longer reporting a XXXX credit card that was once reporting on my credit report. As per TransUnion, I filed a dispute asking to update my new credit card balance because the amount being reporting was incorrect. TransUnion stated that XXXX had approximately 30 days to reply back to them to verify this information. According to TransUnion they did not receive this information and deleted the XXXX credit card account which was reporting positively prior to deletion. I contacted XXXX and filled out a XXXX form to have the creditor submit verification to TransUnion. TransUnion received the documentation from XXXX and stated that it could not accept a hard-copy confirming the accounts information and specified that a XXXX representative would have to contact their marketing department via phone or the company must re-transmit the information electronically. As per XXXX, the credit card account is still being reported electronically to date but the account is not reporting on TransUnion report. Despite my efforts to contact TransUnion directly, in addition to providing documentation they still are not reporting this information which is severely impacting my credit
On XXXX I went to a PNC branch ) XXXX to request a new XXXX PNC card for the one I had misplaced, The Bank employee who I did not know attended to this matter and then began to ask question about my employment, commenting as a lawyer I must make a lot of money and then asking me how much I made a year -- none of which questions did I answer. 
A week or so later I received a letter advising me that an account had been opened for me which turned out to be a line of credit -- which I NEVER asked for. I complained to the bank and on XXXX/XXXX/16 I was advised that my loan has been paid in full. There was NO loan and I asked that my records would be corrected to show the TRUTH. This was not done and subsequently I was advised that " my recent credit bureau dispute about information furnished by PNC, Bank National Association to the consumer reporting agencies '' had been resolved as a " soft inquiry '' rather than a " hard inquiry, '' There was NO dispute between me any credit bureau ; any " dispute '' could only be one created by PNC. 
When asked various time to correct my records to reflect the TRUTH, and not paper over then to the benefit of the bank -- that has not occurred. I then wrote to the PNC CEO asking for correction and of this time have had no response. My correspondence every step of the way is in the hands of PNC.
Clarity Services inc did has misleading info on my report with them on XX/XX/2018 i was dined credit due to the neglence and misleading report that was made by Clarity Services inc due to their negligence they must remove all negative items at my request. i was dealing with this firm for over 5 years and they did not send any thing back to prove that i had any business with them or their people they are reporting. 

Questions i ask and demanded and their field to do such infestation the list as fallowed 1 prove that this debt is mine 2 showing me a statement that bares my signature 3 written contradt that i let them take the info about me and prove that i agged to the people they say i owe and or reporting false info about me.
We refinanced our home with XXXX XXXX on XX/XX/XXXX / now Wells Fargo Bank. After paying our last house note and the principle balance on XX/XX/XXXX, on the XX/XX/XXXX all these funds were placed in a unassigned funds status and our account has been handled as if we are late paying the last payment with interest being added daily on the unpaid balance ( which has already been paid ). We have talked to numerous customer service reps. and three ( 3 ) different supervisors, who all have given us the same run-around and no one has followed through to finalize this account as a paid in full account. In the beginning of the problem, Wells Fargo said the problem was that there was a missing payment from XX/XX/XXXX ; only to find that that payment was sent by XXXX XXXX Georgia, a grant program we were able to take advantage of during a time of hardship. That program lasted 18 months and the payments to Wells Fargo was turned back over to us after that time. Since that time, we have not missed a payment. We were told that the payment they thought to be missing has been located and we would be hearing from the mortgage dept. within one to two days to finalize this account as paid in full. That person I, spoke with ( XXXX, Code # XXXX ) told me that the payment was misplaced because it was sent to the original account number which was changed after Wells Fargo took over XXXX XXXX. It is now XX/XX/XXXX and that has not happened ; and the people we've talked to have not gotten back with us as promised ; nor can they be reached any longer. We now keep getting new people who start the same run-around over and over again.
Someone used my online account info through a wifi password while I was online during that time. However, I do not know this pert thought I met him through a third party ( friend ) after receiving and email of a mount taking I immediately file the dispute after given by the bank an email regarding he transfer I then knew who it was after given and providing a police report and name of person ( s ) the bank indicated it was a valid transaction and closed my account. They spoke to he merchant and the police ( allegedly ) reportedly by investigation. After I spoke with the police they indicated Amex XXXX did not speak to them. The bank refuses to disclose any other information and constantly hangs up on me after being angry. of course. They fabricated information it seems and they also did a poor job regarding investigation they no once spoke to me only to the pert and allegitlly the officer who took the report all calls are recorded via Amex. How did they concluded a fraudulent act and report and made their findings in 8 days when they never spoke to me and the same person that when I looked up his name that and email was attached to my account ledge from online he has done did more then XXXX person. This will be address by the courts if not by your investigators. They basically limited me on this case and did not secure my identity In fact the same person used what he retrieved on the data retrieval program on wifi from what wa given to me that he 's already access other assets of mine due to Amex XXXX lack of secure system. This will be consider security breach and as well fabricating infor to consumer regarding his rights by the law. I lost my job and have bills to pay due to heir lack of judgment on this case. Why did they call him and never spoke to me.
I am being charged for a bill that was supposed to be paid through my insurance company and the hospital has not submitted the bill for payment to my insurance company. Rather they have turned the bill over to several collection agencies and it has now compromised my credit.
McCalla Raymer Liebert Pierce, LLC has engage in unlawful conduct in attempting to collect a consumers debt. prohibited by the FDCPA.
The law firm who is subject to the FDCPA has refused to discontinue its illegal debt collection activities.
A lawsuit has been filed against McCalla Raymer Liebert Pierce, LLC and other third party defendants for violating multiple provisions of the FDCPA.
A copy of the lawsuit is included with this complaint.
A partial list of the violation are as follows : Threatening action that the debt collector does not have the authority to pursue.
By initiating an illegal non-judicial foreclosure action.
Violation of 15 U.S.C. 1692f ( 6 ) a Falsely representing the character, amount, or legal status of the debt.
Violation of 15 U.S.C. 1692e Attempting to collect a debt that was discharge in Chapter XXXX  bankruptcy.
Violation of 15 U.S.C. 1692e Failing to verify disputed debt.
Violation of 15 U.S.C. 1692g ( b ) Falsely implied to ( CFPB ) in the consumer response this debt was sold on XXXX XXXX, 2017.
Violation of 15 U.S.C. 1692e ( 10 )