WillisBack/dataset-financial-user-claim huggingface dataset:
The below complaint was not addressed, despite request by the bank for additional time which was over a month ... 
As I've stated before in numerous past complaints and again here, a closeout check in the amount of XXXX was sent out on XX/XX/XXXX via XXXX next day air, intercepted by another party the following day on XX/XX/XXXX. I left for vacation on the morning of the XXXX, a XXXX XXXX with XXXX XXXX XXXX picked me up around XXXX XXXX, drove me to XXXX XXXX in XXXX, MA, my flight left around XXXX XXXX. I have attached a statement from Mr XXXX stating he picked me up at my address on said date and time. I believe XXXX dropped off the package in the late afternoon, I was not at home as I had left at XXXX XXXX. The check was intercepted by a XXXX XXXX, my signature forged on it, deposited to a XXXX XXXX XXXX  which is not my account. I was able to reach a cousin whom lived here prior from XX/XX/XXXX to XXXX of XXXX, I moved in XXXX of XXXX. His now ex-wife 's name is XXXX XXXX and she was here on XX/XX/XXXX visiting a neighbor in XXXX XXXX next door, it appears she intercepted the check, signed and cashed it into her account. Prior this, a check for same amount was sent on XX/XX/XXXX, received on XX/XX/XXXX, which had a stop payment placed on it. The check was deposited to my XXXX account, returned back and numerous overdraft and returned check fees assessed which Capital One reimbursed me for. However, the issue of the fraud check is still ongoing since XXXX. A XXXX XXXX with Capital One has provided info showing the XXXX XXXX XXXX account was at a brief time linked to my Capital One account, in which case my account was compromised and hacked into. A rep with security intake team removed the account on his end manually after speaking with me on the phone, realizing it is fraud. Further, XXXX refers to a check deposited to my account from the XXXX XXXX account which I believe my account was used again, possibly to move funds, this is another reason account was since closed by Capital One. The information she has shown is all circumstantial ... .. I was not at home to receive check, sign and cash it. It was deposited to a XXXX XXXX XXXX account which is not mine. Capital One refuses to check signatures on checks, one received on XX/XX/XXXX and second intercepted check, signatures are different from another as I did not sign check sent on XX/XX/XXXX and taken by XXXX XXXX. In closing, please advise Capital One they need to provide a mailing address to send notice of small claim suit as well as copies of all checks, two in the amount of XXXX and additional check which covers fees charged by XXXX due to stop payment. I require all this info in order to file small claim suit. Another option would be to reissue check for funds owed to me.
please find attached my dispute letters which i have also submitted to bureaus several times, these accounts have never been late and should have no delinquencies. 
please help me to remove these unfortunate negatives. 
thank you
I requested a free copy of my credit report and received it from XXXX XXXX., because I was denied credit from my credit union. What I found was Discover Financial Services has be making 2 inquires a month starting XX/XX/XXXX which has continued until XX/XX/XXXX. I have not authorized any inquires. There should be no companies inquiring into my credit report unless I've submitted an application for credit..The only request I've made for credit was with the XXXX XXXX XXXX XXXX XXXX and that was XX/XX/XXXX.
A couple years back I paid off my credit card with best buy and my account was at {$0.00}. My roommate at the time, XXXX XXXX, stole my identity and opened up numerous accounts in my name and also stole my credit card unknown to me. She used the best buy card to buy thousands in gift cards. when I figured out what XXXX had done I reported it to the police, all the credit card companies and did the paperwork. XXXX and Mastercard were great working to clear it up but Best Buy/Citibank keeps turning me over to credit collection agencies and the credit reporting agencies. They also keep reporting to the credit reporting agencies.
I live in Florida. I was affected by Hurricane Irma. So, my mortgage company agreed that I can stop payment for a few months. But they didnt mention any condition. They promised to work with me to resume payment. On the contrary, they were more willing to let my home go into foreclosure. I fought and made them design a payment plan for me. I complied faithfully with the plan. Nevertheless, they sent negative report to credit bureau. My score dropped by 150 points I asked them to fix the problem. They didnt do anything about it. I complained to the three credit  offices. Recently, Experian told me their investigation was completed. But I am still 60 days late in my account for XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX told me they have a lot of customers and I have to wait. I feel like they are not doing anything to solve the problem. Please help me! I worked hard to build my credit.
XXXXX17 XXXX XXXX called my place of work to contact me, and then tries to get information from me for my bank acct, to draw money from bank account. Then also wanting other personal information. Told them I need to go due to having to go to afternoon duty, then start arguing and demanding things. Told them I would call back in morning which I did and told supervisor exactly what I could do, then he begins arguing and saying things, also told him not to contact me at work any more.
I had prior filed a complaint with the cfpb against Wells Fargo. I just received an email from my insurance company today that Wells Fargo has reported my property vacant. The property is not vacant and Wells Fargo was told this by me last month on two separate occasions. They stated then they would update their file and nothing further was needed. I feel Wells Fargo now reporting my property as vacant to my insurance company is retaliation for my filing a complaint with the cfbp against them. Their reporting my property vacant could result in my insurance being cancelled resulting in me having to purchase much more expensive insurance. They know my property is not vacant but are trying to cause problems for me by saying it is.
Company continues to report on my credit report this debt. I settled this with another collection agency and received a letter stating it was paid. Sent all verification to this second company, Enhanced Recovery Company, and they refuse to remove it and continue to report to credit bureau. They are attempting to collect a debt already settled and paid. They continue to state " we do n't know if it 's been paid '' even though verification letter states " Paid ''.
Hello, My name is XXXX XXXX and I would like to find out if there is any way that you would be able to assist me in my current situation? I 'm going to try and make a long story short. Everything started in XX/XX/XXXX when I got a sub-prime mortgage loan through Wells Fargo and leads up to today XX/XX/XXXX. When it was time to go to closing, the loan officer that I was working with was no where to be found so they had to brief someone else about my account before we could proceed which pushed our closing time to a later time. Then I 've been battling unemployment and being sick and out of work so my payments have be sporadic but I 've always tried to stay in contact with Wells Fargo or work with a housing counseling agency, or lawyers. I 've been threatened with various foreclosures, and had to appear in court many times. For about 1 year now, I had to get a lawyer to file bankruptcy papers and my trustee payments have gone up XXXX. I was unaware that while in the bankruptcy that I had to continue paying my regular mortgage payments. This caused me to fall behind also. Now Wells Fargo attorney is sending me a notice for a Motion Of Relief to the property. I sent them their Attorney the money in XXXX and WF did n't receive notification until XXXX XXXX and again I 'm being taken to court. This time I do n't think it 's my fault because WF Attorney has a " hold '' on my account until their given instructions on how they want to apply the funds and now it looks to WF as if I had n't paid any mortgage from XX/XX/XXXX-XX/XX/XXXX and that is why I 'm being sued. I 've talked to WF XXXX times and they keep telling me they are unable to speak to someone in their Attorney office and in the mean time, this foreclosure is hanging over my head and I do n't have any where to go with my children nor do I have any money to put out to move. Almost every lawyer I have been to do n't really do too much to help me because they say that WF can do the things to me they have done. Now it 's the XXXX day in a row that I have been calling Wells Fargo and their Attorney still have n't given them instructions as to how or if the funds will be released so that my account will be current.The Attorney 's bankruptcy person ( XXXX XXXX ) can never be reached. I tried to call and left a message, ( XXXX a WF Rep. tried to call XXXX left a message ), ( XXXX another WF Rep. tried to call XXXX left a message and sent an email ), ( XXXX another WF Rep. called XXXX sent an email ), and XXXX XXXX a WF Rep. tried to call left a message and sent an email on XXXX ), and still no one has gotten me any answers yet. Wells Fargo is telling me to make my XXXX payment but I refuse just in case I have to move because they do foreclose on my house, then I need money for a deposit somewhere else. Believe me, its way more to this story but I 'm paraphrasing what 's going on now. What if anything can I do? I 'm looking forward to hearing from someone soon. I NEED HELP A.S.A.P. 

Thank You Kindly, XXXX XXXX
In early XX/XX/XXXX I returned a pair of new XXXX phone. XXXX claimed I did not turn in the phones timely when I in fact did. They later agreed and dropped the claim. However, later in XX/XX/XXXX I learned they sold the alleged unsresolved debt to a debt collector. When I challenged the collector for documentation and they learned it was insufficient, they dropped the claim. In XX/XX/XXXX another collector reached out to me and I filed a complaint with the FCC ( attached ). That collector then dropped the claim. 

Now in XX/XX/XXXX, another collector comes to collect the alleged debt because XXXX has not pulled back their claim from the debt database. The collection is showing on 2 of my credit bureaus and when I contested it, the debt collector XXXX XXXX immediately confirmed it without verifying the underlying debt exists. I am suffering credit consequences for the unlawful reporting of this alleged debt to the credit bureaus. Furthermore, XXXX XXXX posted the alleged debt as occurring in XX/XX/XXXX in their reporting which is also inaccurate. 

Before going serving a lawsuit on XXXX and XXXX XXXX, I am hoping to resolve the issue via the CFPB as soon as possible.
On XX/XX/2016 I attempted to access my credit report online through a credit monitoring service ... the site stated that they were unable to process my request so I called the customer service number listed. They told me that I needed to call Experian to correct some information because what I was entering into their system did not match Experian 's records. I went to Experian 's website and was able to access my credit report using my credit report number and social security number. When I reviewed the report I noticed that there were accounts listed that I did not recognize and the report did not show any positive credit history. I could n't understand what was happening so I called Experian on the phone. Experian 's representative told me that he could not locate my file with my social security number, he could not give me a reason why and stated that he would have to initiate some kind of investigation. I have not heard back from this investigation. I do n't understand what is happening because I just accessed a tri-merged credit report XX/XX/2016. I have had credit for years and continue to have credit accounts at this time so I am not sure what is happening at Experian but I need it fixed ASAP.
Although this is my 2nd Complaint with CFPD, Experian still refuses to adhere to FCRA rules and regulations. According to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), the credit bureau must complete their investigation no later than ( 30 ) days or the item ( s ) in question must be DELETED from the consumer 's credit report. Unfortunately, it took Experian ( 49 ) or  more days to complete my investigation, well exceeding the allotted time frame pursuant to FCRA 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). Also, Experian refused to provide me with a Method Of Verification that they used to determined the validity and accuracy of the item ( s ) that is required by law, pursuant to 611. Procedure in case of disputed accuracy ( 15 U.S.C. 1681i ). Therefore, Experian are in violation for both their willful and negligent non-compliance according to 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) and 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ). These are some but not all of the violation that were committed by Experian ; yet, the remaining violations are listed in my attached documents.
my name is XXXX XXXX and i have a mortgage with Wells Fargo the loan number is XXXX. I am bihin with my payments because last year i had some health problems and i stop working for about one month went i try to go back on track of my payments the bank did n't take my payments any more. now i try to get a modification they deny it. I only want one way to keep my house and continue making my payment. thank for your help.
I contacted COAF directly to dispute the following unauthorized inquiries : Coaf - XXXX XXXX, XXXX Coaf - XXXX XXXX, XXXX Coaf - XXXX XXXX, XXXX Coaf - XXXX XXXX, XXXX I was advised that since I did n't have an account with them they were unable to dispute the inquiries at hand. I also contacted XXXX who told me that without written information from Capital One Auto Finance that they could n't remove the inquiries either.
This account information is invalid and has not been verified as requested. There is no contract to prove the debt. 4 Legal letters were sent out for this account to be verified, in order to prove the debt valid, and no response has been returned besides my credit reports stating it as " verified '' with no documentation. In addition, it was requested that this account be removed from my credit reports for non verification in violation of state and federal law, and it still remains on my credit reports. They were required under the FCRA to have properly verified the accuracy of the account and they have not done so. There are no documents in their files to prove the account that has been disputed four times belongs to me. There is also no name provided as to who in the company attempted to verify it. Under Section 611 ( 5 ) ( A ) of the FCRA, they are required to promptly delete all information which ca n't be verified and have refused to do so.
I agreed to a 1 year insurance policy with XXXX XXXX ( XXXX / XXXX XXXX, CA XXXX ) for my condo unit in XX/XX/XXXX. 

In XX/XX/XXXX I began to receive notices of past due amounts for a renewal of this insurance policy. I notified XXXX via telephone and email that I no longer wanted their services, thus the reason why they had not received a renewal payment. The reason why I did n't want to renew with them was due to their lack of attention and detail to my account while I had them. 

I then began to receive past due notices in XX/XX/XXXX from another representative in their office XXXX ( XXXX ) asking for the same amounts be paid, however I had told them I did n't want to continue with their services yet again in XXXX. 

On XX/XX/XXXX I received a notice in the mail from Credit Collection Services ( XXXX ) a collection notice in the amount of {$130.00} from this XXXX office. I immediately contacted XXXX who said she would have their office manager ( XXXX ) contact me regarding my concern ( she has not returned my calls ). She also said that I just needed to send her an email saying I have another insurance policy with another company and they would excuse the amount due. 

My concerns are the following : * I notified this office several times to cancel and they did n't. 
* They are billing me for services I did not want and are now sending me to collections. 
* They are unable to explain in detail how they calculated {$130.00}. 
* XXXX is now asking that I provide proof ( signed contract ) that I signed up with another insurance company before she removes the claim.
On XX/XX/18, I attempted to make a mobile deposit in my checking account with XXXX. Because the amount exceeded the mobile deposit limit by {$340.00}, I called support and asked for an increase. They told me that they did not provide increases above the amount I had. They suggested I cash the check elsewhere. The mobile app gave instructions for deposit by mail. It listed two addresses, one was a PO BOX , and the other was for overnight delivery. I endorsed the check and mailed it out two-day priority mail to the overnight address. 

Using the tracking number, I discovered it was not delivered until Monday, rather than Friday as promised. On the app, the instructions for deposit by mail clearly state '' Once your check has been received, up to {$200.00} of your check deposit funds will generally be available within one business day. The remainder will generally be available after another business day. Check deposit amounts greater than {$5000.00} may be held for an extended period. '' So, I called on Tuesday, XX/XX/18, which was one business day after the date it was delivered since there was no indication that the check had been received. The agent I spoke with told me that she could not confirm receipt of the deposit, and she told me she could give me no time frame for how long it would take and that they would know it was deposited when it showed on my account. I asked could they not at least confirm it was received at the correct address. She told me that she could not. I asked what remedy I had and she assured me that it would be processed soon. 

I called today, XX/XX/18, a full two business days after they received it according to USPS, and the agent placed me on hold and told me that " in her experience, it can take three business days before it is processed or shown in the account. '' I asked could she not confirm it with the processing center that the check was received so I don't have to worry that it was delivered to the incorrect address. She told me that she " could not check with the processing center until 10 business days after the tracking number delivery date. '' So, I am going into XXXX without any access to my funds, and also without having any idea whether the check was received at the correct address. None of this information was available to me or I would not have deposited the check via mail. I expected to have access to part of the funds " one business day after received '' as their app stated. This is insane that they won't even check to make sure the check was received until 10 business days after delivery.
Dear XXXX, I am writing to express my concerns about a behavior of Scottrade Bank and their affiliates which may have adversely exposed my personal information and lead to identity theft and fraud. 

Specifically, in going through my records in order to better understand how I could resolve ongoing identity theft, I discovered that when applying for a bank account at Scottrade Bank, Scottrade Bank improperly handled a number of documents which had very personal information on them. The actions of Scottrade Bank not only broke from the current standards of data security but also broke Scottrade Bank 's internal policies regarding handling customer information. 

Specifically, on or around XXXX XXXX, 2013 XXXX XXXX XXXX XXXX, XXXX XXXX, a regional manager from Scottrade Bank offered to receive Scottrade Bank account application documents via email. Email is a notoriously insecure medium of communication yet XXXX XXXX allowed and offered to receive the documents via email, despite the fact that it was against Scottrade Bank 's internal policies and does not have any of the normal safeguards in place to handle personal customer information. The XXXX XXXX, 2013 email contained PDF attachments that included my full name, signature, address, bank account numbers, Social Security Number, and other very personal and sensitive information. 

As is clear by Scottrade 's online disclosures and policies, Scottrade Bank states that it will never transmit customer information over email and or ask for or receive personal information via email, however, XXXX XXXX, a manager at Scottrade encouraged me to send the information by email to expedite the process, with no disclose of the security concerns. 

I am writing today to ask Scottrade to explain why they let my personal information be transmitted in a way that puts me at significant risk to identity theft. I would also like to know what the current status of the email and personal information is, has it been deleted, has it been accessed, are emails records secure, who could have gained access, was the email accessed XXXX, was it confirmed a secure connection? 

The actions of XXXX XXXX, put me at my personal information at risk and could have likely been the direct cause for hackings that happened weeks latter and accounted for over XXXX of fraud.
I have set up an account on Coinbase and used it to sell Ether coins for a value of {$5000.00}. My phone later stopped working, which lost me access to my account, as I had been using 2-Factor Authentication through a secure app. 

As it happens, I live in a different country than the one who issued my ID. This is one of the use cases for which Coinbase does n't offer a way to regain access to your account, as described here. https : //support.coinbase.comXXXX The customer support has not been responding to any of my emails since then, for a month now. My account is still unaccessible and my funds are locked away. I am now demanding access to my account or full transfer of the funds to my bank account.
The company is Receivables Performance Management, LLCThis company is trying to collect on XXXX cell phone bills that I do not owe. And they do not have the right to practice debt collection in Texas. I have sent them letters but they keep reporting that they have validated the debt.
We have a number of accounts with 5/3 bank. The staff always has been aggressive in selling products. In 2004 a loan officer approached us about equity lines. Long story short -- worst mistake EVER. We took out equity lines on our free & clean homes. Appraisals were flawed & the loan officer misrepresented some information. We know now of course we should not have done this!! This was during the wild west lending period. I wish we could say we took lavish vacations or bought expensive cars -- No we put the $ $ back into properties. We have been paying on these lines for 13 years -- we are now in our XXXX 's -- can not sell for what we owe!! We are having an impossible time making these payments. This situation is ruining our health & causing sleepless nights. We would like 5/3 to reduce the balance owed on these properties. Here is the last straw -- I put this all into writing to 5/3 & went to submit & their website said " technical difficulties -- could not submit '' Grrrr PLEASE HELP!!! XXXX & XXXX XXXX