WillisBack/dataset-financial-user-claim huggingface dataset:
Scottrade does not properly protect confidential information. Specifically, and according to Scottrade 's CIO, in XXXX and XXXX, Scottrade experienced a data breach which effected roughly XXXX XXXX customers. This is a huge problem in its self, however, Scottrade 's handling of the situation is even worse. 

Scottrade released a press release that seriously construed the facts and made it look like only Scottrade Brokerage customers were victim of the attack. However, this can not be true. According to this link, http : XXXX, as well as Scottrade 's own documents, Scottrade Brokerage only has XXXX XXXX customers, less than the XXXX XXXX customers who were hacked. 

As a result, Scottrade has deceptively shared false information and adversely effects individuals who were customers of Scottrade Bank and or former customers of Scottrade. These XXXX categories represent nearly XXXX or XXXX XXXX customers in which Scottrade failed to notify and false stated that they would have no problems. 

I am writing today to complain, specifically, Scottrade purposely sent out false information and is refusing to contact all of the individuals who has their personal information compromised.
Used my Card In XXXX, In XXXX at a XXXX XXXX XXXX  XXXX my card was accidentally left there and over the next few days my card was used without my permission and was not done by me or any of my signers, I got a email XX/XX/XXXX that a large bill was payed out from my account so I logged in and saw massive fraudulent charges on my account, So I called my walmart credit card to report it, I get back home for the XXXX and file all paperwork, They get back to me saying they are denying my claim because, POSSIBLY a signer on my account has died, That I used the card the day before the fraud happened, and that my walmart card was used at walmart ... and it was my same spending habits ... I have never used over 20 % of my credit or done like 20 transactions in just a few days! I am 100 % protected from fraud and they are not honoring that!
I have a credit card with Bank of America. I could n't figure out how I always had a balance carried forward even though I always paid the " current balance '' in full before the due date. 
Then I realized : the bank has set my payment due date BEFORE the end of the finance period, so that unless I do n't use the card, some charges will be posted after I make my timely payment. 
Example : my B of A payment is due on XXXX XXXX. I pay the full balance on XXXX XXXX so as not to be late. In XXXX, I find a 'beginning balance '' amount, on which interest has been charged, for transactions on the XXXX, XXXX, and XXXX of XXXX. They are listed as having been retroactively due with the XXXX payment. 
Is this not dishonest? Sneaky? Possibly Fraudulent??? How many billions do these guys collect in interest from people who think they are paying in full every month?
I was an account holder at XXXX in XXXX for several years until the Bank became BB & T. Every month I have a direct deposit of about {$3500.00}. After paying several bills and spending a few dollars around XX/XX/XXXX I had a posted balance of {$1300.00}. Out of that amount I spend {$1000.00} leaving me approximately {$260.00} or something. With that balance I had XXXX items pending which added up to less than the amount. Although I had money in my account, I was charged a {$36.00} fee for something that overdraft but I was not in the negative. Also, a {$65.00} return item was submitted with this positive balance. So I called the bank to get an explanation and with much argument, the rep finally added up the amount that was spend and came up a total amount spent was {$1000.00}, which was less than {$1300.00}. When I asked why did I still have {$220.00} posted on my balance the rep informed me that that the amount was not a real amount and I did not have that amount in the bank. So I went into a branch on XXXX XXXX XXXX in XXXX and after speaking with the Branch Manager about this issue, since they had deducted all this fees out of my account there were other items that was pending and in order not assess fees I would need to deposit {$400.00}. Still not clear about why I have so many fees when I still have money in the bank. I gave the Branch Manager {$400.00} where he deposited {$410.00} at the teller window for me confirming that the next morning, after the few items post I should have a {$14.00} balance. The next day BB & T had charged me for the items that were in pending status that I deposited money for the day before. Not only was this an issue, these last three months I have noticed that they have been holding pending items for over 3 days or after the merchants have requested the money according to my investigation. Furthermore, I noticed that I bought some chicken from XXXX XXXX for {$5.00} and they had this amount both in pending and posted at the exact same time. My balance is never what it is supposed to be. On many occasions I have been locked out of my account for several days and unable to follow my transactions. I have had to call the bank to access my online account because it is continuously not available or blocked. Right now, BB & T has me owing their bank over {$300.00}, while I deposited {$410.00} to eliminate fees.
In XXXX 2015 I paid off my credit card balance of XXXX online. Then Iclosed my account with CapitalOne with that payment. Then all XXXX sudden in XXXX 2015 I began to get series of phone call fromCapitalOne that I should call them to discuss my account. For some time I ignoredI ignored the calls as I know I do not have any account with them tobe discussed. When the calls did not stop I decided to access my acct. 
with the company to find out what the calls were all about. To mygreatest surprised I was shocked to find out in my account that I am stillowing {$190.00} and that made me to call the company to dispute theamount. I spoke to XXXX who decided to wave the {$190.00}, butdemanded that I should pay the minimum payment of {$94.00}. Heasked me to vow that I will make the {$94.00} minimum payment. 
I called the next day that I was not going to make the {$94.00} payment. Icame to this decision because I was beginning to believe someone wastrying to SCAM me.
XXXX XXXX XXXX was initially on my credit as a public record for an apartment somewhere in South Carolina starting in XXXX. I was in the XXXX XXXX from XXXX to XXXX in XXXX XXXX, NY. I disputed the transaction multiple times, and finally it was deleted from my credit in XXXX for a couple of months. It came back and this time it was n't under public records, but under collections. I 've written to the company requesting information to prove it was me, but I never received a reply with supporting documents. I have documents and discharge papers proving it was I was stationed in New York, and I still have n't seen any progress.
Case # XXXX - continued I did not find a place on the original complaint to add more information. Today I received a package of the same XXXX that BOA posted on this site. The letter still does not tell me why I do not qualify for a HARP. It states that " the mortgage loan account is not eligible for the HARP due to program guidelines due to the previously implemented loan modification. '' On the XXXX website there is a quiz with the following questions : 1. My loan closed on or before XXXX XXXX, XXXX? 
My Answer : Loan closed XXXX XXXX, XXXX. The XXXX website says that based on this date, I am eligible. 
2. I have little or no equity in my home? 
( My Loan-to-Value ( LTV ) is greater than 80 % ) My Answer : Yes. 
3. I have had a good payment history on my mortgage for the past 12 months? 
My Answer : Current since XXXX XXXX ( 4 years ) 4. This is my first time refinancing with HARP? 
My Answer : Yes Link to site : XXXX The BOA website lists the HARP requirements as follows : " You may be eligible to refinance your home loan under the Home Affordable Refinance program ( HARP ), if : 1. Your home loan is owned by XXXX or XXXX XXXX My Answer : XXXX 2. Your loan was sold to XXXX or XXXX XXXX on or before XXXX XXXX, XXXX My Answer : XXXX XXXX XXXX XXXX, XXXX XXXX 3. You 're current on your mortgage payments My Answer : Current since XXXX XXXX 4. Within the past twelve months, you 've been more than 30 days late with your payment only once. 
My Answer : Current since XXXX XXXX XXXX. Within the six months immediately before you apply for your refinance, you 've not been 30 days or more late with your payment My Answer : Current since XXXX XXXX Here is a link to the site XXXX I again ask the following : 1. Where does it say that I do not qualify based on the guidelines listed on XXXX the websites of BOA and XXXX? 
2. Please tell me what those guidelines are, in writing. 
3. Why were we steered in subprime mortgages with credit scores in the outstanding range and a {$10000.00} down payment? Is n't this fraud? 
4. Am I being denied a loan refinance because I am XXXX? 
There are no guidelines that I can find which state the reasons why I am not eligible to refinance under HARP. No where does it state that " if I had a modification granted, I become ineligible for a HARP. '' If there is documentation stating the aforementioned quote, please provide it to me. My original modification was not a HAMP, but a bank proprietary modification. Based on the HARP guidelines listed on both BOA and XXXX websites, I am eligible. Please provide me with the answers to the above questions in writing. I am a responsible hard working tax payer and I am not giving up on this until I get truthful and legitimate answers to my questions in writing. If BOA is telling the truth, why is it so hard for BOA to put the reasons for my disqualification in writing?
XX/XX/XXXX XXXX {$1500.00} ), XX/XX/XXXX ( {$1600.00} ) - I was informed initially by the organization that my account had insufficient funds available to process the above payments. After speaking with numerous representatives at the organization, it was disclosed to me that here was an error in their system with using the ABA routing numbers attached to my account. Thus making their claims that insufficient funds available a falsehood. As a result, the organization did a hard copy credit report analysis on my credit standing. In response, the organization reduced my credit level by approximately 92 % by making false statements about my payment history, not only within the organization, but by other accounts listed in my credit report ( XXXX  ). As a result, I pulled my credit report through the company that they use and there are NO late payments reports from ANY creditors listed on my report. This organization is reporting misleading and false information to my credit report and making misleading and false claims upon my payment history as reported by XXXX. This organization has continued to make these false claims, regardless of any resolution attempts to correct the mistakes.
Dear Sir or Madam, I recently discovered I was being charged huge interest on a Care Credit card that had been promoted as free financing for XXXX XXXX done in 2013. The company, XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX AZ XXXX ( ph. XXXX ), represented by XXXX XXXX ( Director of XXXX XXXX and XXXX XXXX ) promoted interest free financing in an effort to get me to sign up for a Care Credit card. I was referred by her to XXXX XXXX in XXXX 2013. He told me that there was to be " no interest on the full amount of the charges for this XXXX XXXX until fully paid off ''. This was a promotional offer, the sole purpose of which was to " promote my use of the card for further purchases. '' This was untrue. At the end of an unmentioned 2 year promotional period, I was charged the accrued interest at 26.99 % for that two year period. The amount of that interest was {$2400.00}. I was not shown, nor was I verbally informed of any promotional period that involved a payment of accrued interest when it expired. Upon questioning XXXX XXXX about this, she sent me two Care Credit Sales Drafts of that agreement that were UNSIGNED. They were unsigned because I never saw them at any time during the meeting with XXXX XXXX. If I had, I would certainly not have signed such a poor agreement. ( These unsigned sales drafts are included in the attachments ). I made the mistake of allowing an automatic debit to take place on this card along with online statements, thinking that ( as XXXX led me to believe ) the principal would simply get paid down. While it would have been in my interest to have regular statements delivered, during that period my wife developed XXXX and for the following couple of years I was preoccupied with her care and the details of her eventual death. Meanwhile, the card was not getting paid down at all. In fact it was developing the horrendous compound interest which I only discovered recently. I have heard of this sort of activity by unscrupulous credit card companies, but never believed a company like XXXX would be involved in such activities. As I indicated to XXXX XXXX, I feel like a rube at a carnival that has just been duped out his hard earned cash. The attachments include emails between myself and XXXX XXXX, along with the unsigned Care Credit sales drafts, my original financial agreement and the credit card statement for the month the lump sum was added to my account. Please note that the emails/attachements time line reads from BOTTOM to  TOP. Thanks for your help, Cheers, XXXX XXXX
Based on the review of the credit history, i have realized that there was a credit inquiry done by SYNCB/AMAZON XXXX, FL XXXX ( XXXX ) XXXX. I would like to reiterate that i do not remember applying for a credit card with the above referenced company. If there was a 3rd party who attempted to run my inquiry through the said bank, it was done without my consent. 

As such, this inquiry is negatively impacting my FICO score which as a consequence limiting my chances to get mortgage approval.
I got pick pocket out of the United States and lost all of my cards and military IDs, I called every company to let them know of the incident most of the companies have refunded funds that was taking from me. Now my issue is with capital one, they gave me credit for the missing funds and then this lady called me and to, d me that I have to take responsibility as well and they reversed the funds which now put my account in a big negative balance that is completely unfair from them and I 've been a long time customer with no issues ever and now they 're blaming me for being robbed how can a company do that.
these accounts do not belong to me. I have never opened the account and have had my paychecks garnished and be harassed by phone call for over 3 yrs.. I never opened this account and I will file complaints with XXXX and other agencies and will file for damages up to {$1000.00}
i financed a vehicle in XX/XX/XXXX it was totaled in a car accident the finance company put it as a collection charge off closed Derogatory XX/XX/XXXX the dealers insurance where i bought the vehicle was supposed to pay the gap payment that was left after my insurance company paid off the car and as it being put on my report as derogatory its the same as if it was repossesed and it wasnt it was paid now its ruining my credit score
STRAP : XXXX BB & T violated many Federal Regulations Including TILA, Regulation Z, Dual Tracking ( as they were informed I was working on a Loss Mitigation Package with Neighborhood Home Solutions well within foreclosure deadlines, failed to send me their Loss Mitigation package within a timely fashion, exploited my lack of knowledge of the law and claimed they would " work out a solution during my first trial when my complaints should have been raised, and gave me a predatory loan as I was below the poverty line with XXXX dependents. The Civil Court could not adjudicate these claims and BB & T continued with their foreclosure auction well before any and all court motions / appearances were allowed to transpire. They also had many mistakes in documentation and transferred the property to XXXX XXXX XXXX after my last court appearance when opposing counsel told me personally, among a credible witness, that he would email me later that day with a resolution. The Plaintiff also provided the court with misleading ( bordering on fraudulent ) comments which could not be adjudicated at that time and my supporting documentation was unable to be reviewed within the 5 minute time frame the court allotted us. 
XXXX XXXX XXXX XXXX XXXX FL XXXX I have all documentation supporting my claims and am prepared to take this to a Federal Level.
I received a call this morning from an attorney 's office in regards to a debt they said they have made multiple attempts to contact me and I 've left several voicemails but I have not received any of those today was actually the first voicemail I received from them. Upon speaking to this individual identified myself my name but did not give any other information aside from my phone number and he did not attempt to verify that I was who I said I was and continued to give me information in regards to the debt. he said that he will be advising the party that sucker out their attorneys office if I do n't make attempt to payment. I felt very pressured to try and do something give you simply said that some is going to file a lawsuit against me if I do n't do something right at this very moment. Now this long offices out of state so I 'm not sure what their procedures are what the laws are in regards to being out of the council but I feel very harassed
Ally Financial is reporting XXXX 30 day late payments in the same month, XXXX 2015. I currently do not owe any payments until XXXX 2015 and have cleared bank debits of XXXX payments in XXXX due to poor communication on behalf of Ally and poor record keeping and reporting.
Call on  XXXX   XXXX ,    2017  and told Transunion about inquiries on my report that are not mine. They told me that there was nothing that they could do and that I ca n't dispute them
I opened a chaecking account with bank of america. I had a loss of income and asked the bank to cancel my debit card out. They did not and they continued to allow a fraudlant charge to continue on my account resulting in fees. They closed my account bc of the XXXX in over drawn fees. They labeled my account as FRAUD. I have thus paid the matter. I am not able to open a checking account any where bc of teh FRAUD on my account. Can you help with me getting is removed?
I have contacted LV NV funding LLC regarding a loan that I had with XXXX financial as of today I have disputed it with all the credit agency and them numerous times that issue that I have is that in XXXX 2016 they said that I made a XXXX dollar payment on my account which I have not paid a dollar on the account the account is in accurate the amount owed is in accurate the timeframe is in accurate and the whole account is just wrong they refused to remove it they are very very rude I 've asked them to validate the debt and they are not doing so they just keep updating the information I do not owe the {$740.00} the account balance from the last record that I had was XXXX dollars they will not tell me where they arrived at the {$740.00} they will not provide me any documentation showing any information about the debt all they give is the date and the amount that 's it
I was wondering until now why this account is still showing as late payment XXXX XXXX XXXX. I disputed the accounts to the credit bureaus but they did not verify it. This need adjusting. CFPB please make the necessary correction.
I have tried and tried to get another credit card from american express over and over and since i complained before i have been shot down absolutely ever time. i do believe I'm being singled out and discriminated against. i would like the cfpb to investigation and back my lawsuit against american express.
I have disputed online with the credit bureau but they still keep inaccurate information on my credit file. The information I have disputed numerous times comes back as being verified however I don't receive information that explains how they verified the information with a creditor and remains on my credit file thus affecting my credit score.
MY DAD PASSED AWAY AND I WENT TO CAPITAL ONE TO CLOSE THE ACCOUNT AND RECEIVE ITF ME MONEY. I WENT WITH THE PROPER DOCUMENTS ADN THE YGAVE ME A CERTIFIED CHECK WHICH I DEPOSITED IN MY CHASE ACCT. ONE DAY LATER I RECEIVED A VOICE AMIL THERE HAS BEEN FRAUD ON YOUR ACCOUNT PLEASE CALL. HOW DO YOU LEAVE A MESSAGE LIKE THAT, I FREAKED OUT WHAT COULD I HAVE DONE???? I CALL THE NUMBER AND LEFT A MESS. FOR FOUR DAYS STRAIGHT I KEPT LEAVING MESSAGES WHILE MY STOMACH IS CHURNING WITH WORRY?? I RECEIVED A LETTER IN THE MAIL FRAUD ETC ETC PLEASE CALL THIS NUMBER ONCE AGAIN NO PROPER EXPLANATION I GO TO XXXX WITH THE LETTER AND PS THEY SEE THAT CAPITAL ONE HAS TAKEN AWAY THE MONEY. MY BANKER TRIED TO CALL THE NUMBE AND LEFT HIS NUMBER NO RESPONSE. I RUN TO CAPITAL ONE TO GET NOTHING BUT A RUN AROUND AND LIES. THIS ALL STARTED XX/XX/XXXX AND STILL CONTINUES XXXX XXXX XX/XX/XXXX. THEY ARE WORKING WITH MY MONEY!!! FINALLY SOMEONE SAID THEY TOOK THE MONEY BECAUSE THE GENT WHO GAVE ME THE MONEY DID NOT GO THRU THE PROFILE WHERE IT SAID XXXX XXXX MY SISTER WAS ENTITILED TO HALF??? I HAVE DONE MOST OF THE BANKING WITH MY DAD OVER THE YEARS AND I RECEIVED STATEMENTS XXXX XXXX XXXX XXXX XXXX. I SAID OK IF THAT IS THE CASE AND MY DAD CHANGED THE ACCOUNT TITLE I WANT TO SEE THE SIGNATURE CARD AND BENEFICIARY CARD TO MAKE SURE THIS WAS LEGIT???? " WE CAN NOT DO THAT '' I SAID WHAT DO YOU MEAN YOU NEED TO GO TO XXXX XXXX WHERE YOUR DAD OPENEND THE ACCOUNT TO GET THAT INFO I SAID NO I DO NOT!!! YOUR SYSYTEM SHOULD BE ABLE ALL AROUN THE WORLD TO SUPPLY ANY INFO. WITH THAT THEY LIED AGAIN AND SAID WELL WE DO N'T KEEP RECORDS HERE WE NEED TO GO TO THE BACK OFFICE???? I SAID WHAT ARE YOU TALKING ABOUT MORE LIES. I HAVE BEEN TRYING SINCE LAST YEAR FOR SOMEONE TO RETURN A CALL AND GIVE ME INFO TO NO AVAIL. ONCE AGAIN I HAVE SPOKEN TO TWO NEW MGR. AND THE CONVERSATION GOES LIKE THIS " WE DO N'T KEEP RECORDS AFTER 7 YRS. I SAID YOU ARE A BANKER AND MATH IS YOUR FORTE MY DAD OPENED THE ACCOUNT XX/XX/XXXXI WAS HERE XX/XX/XXXX AND ALL THRU XX/XX/XXXX DUE YOUR MATH THAT IS NOT OVER 7YRS. WELL WE NEED ATO GO TO THE BAKC OFFICE STILL NO RETURN CALL TODAY I WAS PROMISED A CALL BACK THREE TIMES I CALLED AND THEY WERE WITH CUSTOMERS AND DID NOT RECEIVE ANY EMAILS FROM THE BACK OFFICE. I SAID THE BACK OFFICE IS A MYSTERY BECAUSE IT IS 6MOS. LATER AND THERE IS NO BACK OFFICE?? WHEN I DID N'T HERE BACK TODAY FROM EITHER MGR. I CALLED THEY SAID THEY BOTH LEFT FOR THE DAY IT WAS XXXX WHEN I CALLED ONCE AGAIN I WAS LIED TO THEY DID NOT RETURN THE THREE CALLS TODAY OR ANY OF MY CALLS FOR 6MOS. I THINK THERE IS A BIG COVER UP IT ALL POINTS TO THAT???? OH BEST ANSWER YET THE OTHER DAY A MGR, SAID DID YOU SPEAK TO YOUR SISTER ABOUT THIS I SAID WHY SHE DOES N'T HOLD THE SECRET TO THE BACK OFFICE OR THE SIGNATURE CARDS YOU DO YOU WORK FOR THE BANK!! I HAVE MORE LIES TO TELL I NEED TO STOP AS THIS HAS GIVEN BE AN XXXX. MY DAD IS GONE MY HEART IS BROKEN AND THE BANK KEEPS STALLING AND XXXX. ME?? <P/>PLEASE HELP ME!!!!!!