WillisBack/dataset-financial-user-claim huggingface dataset:
My business bank account is with chase bank. I had to open a new account after my first account was compromised by counterfeit checks being cashed against my account. Approximately XXXX weeks into having this new account opened it was once again compromised and counterfeit checks were being cashed. I reached out to my branch and explained to the branch manager XXXX XXXX what was occurring. I was informed that alerts were being put in place so that checks presented that I did n't approve with there security feature reverse positive pay would not be cashed but that was not the case instead the counterfeit checks were being presented and cashed without my authorization. I was informed I should enroll in another security feature called positive pay which requires me to enter manually all checks that are written in my account and only those checks will be cashed. For a few days counterfeit checks were being repeatedly being cashed even with these security features in place. I contacted the fraud department and had to fill out affidavits for each occurrence of checks cashed in order to have the transaction reversed and money put back into my account. Everyday for the last XXXX weeks I have been calling the fraud department to have the money placed back into the account and is being told that the claim with my affidavit was approved but is being investigated and each day given a new date in which the money will be put back in the accounts each day I check the account and the money is sill not in the account and I 'm told it 's still under investigation. Also the security feature positive pay that is suppose to protect my account was due to be in effective as of XXXX XXXX, 2015. Each day my secretary manually inputs only checks that should be cashed. Each day we look at the account and it says service pending. After being on the phone for XXXX hours I was told it was not activated due to us inputting checks via an XXXX which is considered to be a mobile device so in turn my secretary started inputting checks via a desktop and this was suppose to activate the service within XXXX hours. XXXX hours later the same service pending shows on our account. Each day I 'm on the phone arguing for XXXX hours to secure our account because chase has no idea how to secure and protect our account. My employees are refusing to attend work because at the end of the week there checks ca n't be cashed. I 'm losing XXXX hours each day in my business due to being on the phone for countless hours with chase who can not resolve any of my issues. I receive no call backs and am being transferred numerous time to all different department so different people who have no idea how to help me or how to secure this account and protect my money for my business
My Identity was stolen on XX/XX/XXXX. Chase claims this was unrelated to them closing my account, a week later on XX/XX/XXXX, but I don't believe that. Also, one of the credit cards I was using had a {$450.00} annual fee which Chase has refused to refund me, despite me not wanting the account closed. This decision also came conveniently right after the 30 day refund window closed. Coincidence? I think not. Before Chase started ruining my credit score I was just under 800. Now I am around 700.
On my report there is another XXXX XXXX living in XXXX Ohio, with a completely different social security number, spouse and employer. How do they input that information to my report when the only thing that matches is our name? The process Experian requires to correct their mistake is not consumer friendly in the least. 

I have submitted my complaint but would also like to submit this complaint to ensure quick resolution.
I was part of the Equifax credit information hack. It is unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Moreover, I can not even get the credit freeze to go through because it " can not be processed at this time. '' Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a horrendous job in the first place. 

Thank you for taking time to read my complaint and for the work that you do.
As stated in the US Bank credit card terms and conditions a XXXX night award stay results in the XXXX night free. This is a benefit of the credit card and is available for those who pay the {$75.00} annual fee. I have been notified that this card benefit is going away in XXXX 2015. I have paid my annual renewal of {$75.00} and feel I am entitled to this stated benefit for the duration of the paid period. 

XXXX XXXX Visa XXXX XXXX XXXX Card Terms and Conditions : Complete terms and conditions are described in the Club XXXX Visa Cardmember Agreement and the Card Benefi t Program rules ( described inthe Benefi ts Guide ), which are provided to new cardmembers and are subject to change from time to time. 
XXXX Earning Points : For each dollar ( {$1.00} USD ) of eligible Net Purchases ( purchases minus credits and returns ), XXXX XXXX XXXX XXXX Visa Signature Cardmembers earn XXXX Points at any XXXX hotel. For each dollar ( {$1.00} USD ) of eligible Net Purchases, XXXX XXXX XXXX XXXX Visa Signature Cardmembers earn XXXX Points everywhere else Visa is accepted. 
XXXX Bonus Award Night : When you redeem Points for Award Nights of XXXX or more consecutive nights at the same XXXX XXXX hotel property, you will receive the last of the Award Nights of thatstay free without deduction of any Points from your XXXX XXXX account ( " Bonus Award Night '' ). Your Account must be open and in good standing. Your account must be open at time of redemptionto qualify for Bonus Award Nights ; any Award Night reservation made before your Account was open will need to be rebooked to qualify ( rebooking is subject to availability ). 
XXXX Renewal Bonus : Each year that you renew your Account by making at least the minimum payment by the due date printed on the Account statement in which the annual fee is billed, you willreceive a Renewal Bonus of XXXX Points. Please allow 6 to 8 weeks after the payment due date for your Renewal Bonus to appear in your XXXX XXXX account. 
XXXX XXXX reserves the right to add, modify or change the Terms of this Offer without notice. 
Please refer to your XXXX XXXX Visa Cardmember Agreement and the Card Benefi t Program rules as described in the Benefi ts Guide for the full terms and conditions of the Program rewards and benefi ts. 
The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from XXXX XXXX XXXX. 
XXXX XXXX XXXX 2014 XXXX XXXX XXXX XXXX and U.S. Bank National Association. All Rights Reserved.
Hello, my name is XXXX XXXX. I 've been trying to get a loan modification from XXXX XXXX XXXX since XXXX/XXXX/XXXX. I just today ( XXXX/XXXX/XXXX ) have been notified of XXXX XXXX XXXX selling my loan to a company called Shellpoint Mortgage on XXXX XXXX, XXXX. I have not received any letters of this transfer and had no knowledge previously. I called them today and they told me that the loan was just today sent over to a loan modification specialist for review. They had 14 days to do that already and they have not done so until i called them. Also they are saying that there is a foreclosure sale date scheduled on my home for XXXX XXXX, XXXX. They said that they do not have to file/ record a new Notice of Default and Notice of Trustee Sale and the sale will stay the same from the old servicer. So essentially I only have Monday to get any documents in to Shellpoint mortgage to finalize the review for a potential sale postponement. The servicer is not giving me a chance to apply and be reviewed for a loan modification.I only have ONE day to do anything for my loan modification. I did not even have a single point of contact assigned before today 's date so that they could review my loan modification. How is this company operating. 
This company is so violating right of mine. 
California Homeowner Bill of Rights. 
" CALIFORNIA HOMEOWNER BILL OF RIGHTS The California Homeowner Bill of Rights became law on XXXX XXXX, XXXX to ensure fair lending and borrowing practices for California homeowners. 
The laws are designed to guarantee basic fairness and transparency for homeowners in the foreclosure process. Key provisions include : see : XXXX
Acct is past statue of limitations - debt was canceled with XXXX XXXX - reporting same debt twice on my credit report - only had one loan out with this credit did a refinance.
Transunion " investigated '' an entry on my report from XXXX XXXX   XXXX  and verified the information as accurate. This would be fine, only problem is I don't have an account as listed by them so it would be one of two things. A- Transunion did not complete the investigation properly B- They're complicit C- XXXX XXXX supplied them with fraudulent information. I demand a full investigation. I have contacted my local rep and he'll be watching as your agency has dropped the ball to date
I have a mortgage with LoanCare, I have yet to be able to contact them. They will not accept my loan number or social security number and therefore I can not get through their phone maze and have not received tax information for the past two years. I also need a paper statement for another transaction. I would very greatly like to try and refinance with another company but literally can not even get ahold of them for the basics, let alone that.
On XX/XX/19 XXXX put me in loan Forbearance even though I did not request it. this is a problem because, even if I make payments while in forbarance ( which I did ), they do not count towards qualifying payments for loan forgiveness. I have requested to have that forbearance removed twice to no avail. 

I just noticed that they also did it this past XX/XX/XXXX. I was hung up on during my last phone call by XXXX employee # XXXX. I'm trying again now.
After writing to the company and informing them that I was only to be contacted via mail, not only have they continued to contact me, but they have begun to call my elderly father and discuss details with him.
I have been in contact with Equifax for the past 6 months in regards to accounts on my credit report that were fraudulent. I have supported police documentation to substantiate my claims. Every other CRA has removed those accounts. Not only has Equifax not removed but they refused to tell me the method that was use to verify my account ( s ) nor have they sent the documents as I have requested for approximately 6 months. Equifax is a fraud and clearly has no regard for the law and the FCRA!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX is trying to collect on a college loan that was hardship discharged after the death of my husband in XXXX. I 've had no further correspondence regarding this loan until this past year when now they said I am delinquent and trying to attach to my wages. They have already taken my tax returns. They do n't call, they do n't answer calls, they do not send any paperwork. They never contacted me regarding any payroll withholding so they are doing this without my permission and I 've ready received a release from withholding from them when they tried to do this in XX/XX/XXXX and my payroll department contacted me. They are trying again in XX/XX/XXXXand I 've sent paper work to them twice that they have released me from withholding already but my employer says the will have to withhold if XXXX does not contact them to straighten this out.
I contacted Transunion to get there assessments in verifying items listed below. That are on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, they stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 )
Wells Fargo closed my checking and savings accounts on or around XX/XX/2017. They did not provide a reason for doing this. Further, I had no reason to suspect the bank would close my accounts, since I never violated the bank 's terms and conditions. I never bounced a check and I 've never done anything to warrant the bank suddenly closing my accounts without providing me the consideration of an explanation. As a result my other bank, XXXX, charged me {$15.00} for a failed ACH transfer that I attempted on XX/XX/2017. When I visited Wells Fargo this afternoon to collect my account balance of {$5600.00}, the bank employees told me they were unable to give me the money. They told me I would have to wait until their " back office '' released a hold on the accounts.
Reported to Equifax that the information reported does not belong to me. This includes my birth year, other address, and some accounts. Have also reached out to the companies for validation and the were unable to send me any validations that these accounts belongs to me. Equifax has not updated me or contact me that they have corrected this information. The inquires I contacted the other party and they advised me to reach out to Equifax and the other bureaus to remove and vice versa Equifax and the bureaus said the same thing the other parties stated to contact. Please remove those inquires. Please see the attached documents that was sent to Equifax by fax and mail to correct any information.
They just keep calling 10 plus times a day no message and when I try to complain I get put on hold and never get a live person
There was a hard pull on my credit report from a XXXX XXXX on XXXX XXXX, XXXX. There was no reason for this pull, as I have never heard of this bank or any of its affiliates. My credit report is already in the " below average '' category, and I would have no reason to do any business with this organization. Therefore either XXXX pulled the wrong report, or a fraud has occurred. 

Again, to be clear, I did not authorize in any fashion a pull of my credit report by XXXX or any of its associates/affiliates. Please investigate as to why this inquiry was performed and a hard pull was done on my credit. I am trying to improve my credit, and I would have no reason to do business with this organization as it is clearly out of my league at this juncture. 

My personal information is obviously very important to me, and I need this looked into. 

XXXX regards, XXXX XXXX
In XX/XX/XXXX, i received a copy of my credit report and I found several errors on my credit along with several inaccuracies which i've sent letters out asking them to be deleted/corrected/updated from my credit report. Until this date ( XX/XX/XXXX ), I'm actually surprised to find out that i've attempted to dispute several items with multiple inaccuracies with the 3 major credit bureaus ( XXXX, Equifax, and XXXX ), and they haven't resolved the issue or even replied to my request.
I sent in several written notices to XXXX, XXXX, and Experian within the last year stating identity theft/fraud was committed on my account. The fraudulent accounts were never removed. The amounts in question are {$3700.00}, {$1900.00}, {$680.00}, {$620.00}, {$450.00}. I have obtained a police report as it pertains to identity theft.
on XXXX/XXXX/2016 I file a dispute with Equifax about a Bankruptcy on my credit report as of XXXX/XXXX/2016 I have not received a response yet according to fair credit reporting act the have 30days to respond compliant # XXXX
Re : Wells Fargo checking account. 
They took a check that cleared from XX/XX/XXXX and processed it again. Those funds were taken out of my account on XX/XX/XXXX. After several calls and a threat to take this matter further with you, I gave them until today to put the money back into my account. The did put the money back into my account today ... but ... they were not able to or willing to explain how this happened. 
I would like you to investigate how this happened. 
I will include copies of the check and my current statement. 
Thank you.
I bought some Jewelry from a company that is charging and outrageous amount for their jewelry and when I tried to return the items they claimed there is no return policy just a trade value for the items of the same price that it was bought for. After that I left and decided that I was n't going to keep the allotment going through my account and stopped it. a few months later I get a phone call at work claiming that it was a military legal officer on the other end of the line and I received a number to a company that the finance company that was used. When I called the company they threatened to have me charged by the uniform of military code of Justice under an article of the system. After the phone call I got ahold of XXXX XXXX Loans where I got a loan for {$1400.00} at 30 % and when the loan hit my account they went in and took the money with permission by charging my card a total of {$910.00} through multiple transactions that was not authorized by me. When I noticed the transactions I called the company and they confirmed that they took the money due to a overt due balance of the {$910.00} for the time that I stopped the allotment that the money was going through while on a XXXX in XXXX, XXXX up to the date that they took the money. A few months ago I was appointed to court without knowledge of the court date in Virginia and being served, and at the court there was an attorney appointed to me without my consent. I have to pay {$440.00} a month by the court ruling, which is a certain percentage of my military check.
Paypal made a hard inquiry on my XXXX credit report on XXXX/XXXX/2015. This was not authorized and should be removed.
I sent a letter to XXXX XXXX XXXX in response to a debt collection letter I received stating I owed a balance to XXXX XXXX. It is now showing up on my credit report as a paid collection with a zero balance. The problem is I paid this in full with XXXX XXXX, so it should have never gone to collections or have been reported as past due. After receiving a letter from XXXX XXXX XXXX in XXXX advising me that they would notify the credit bureaus to remove the account, XXXX and XXXX   have both deleted it, however it is still showing on Equifax.
In XXXX of 2011 I filed chapter XXXX, i had a secure credit card with Capital One for {$500.00}. I had a XXXX  balance when i filed for protection under the XXXX. Capital One Closed my account and when i called them to verify the closure of the account they said that they would refund my Deposit of {$500.00} after my XXXX concluded. 
My XXXX has concluded and when i contacted Capital One i was informed that the only way for them to refund my money was to have the Trustee or my Attorney write a letter and request the refund. 
When i asked why i was never given an acceptable response other than " company policy. '' Now i will need to pay my attorney to write a letter and the cost will probably be half of the deposit refund. 
although i can provide Capital One with the court docket showing the Filed and Entered statement as Chapter XXXX is closed they would rather make it more difficult to get my money back. They charge 29 % interest on the money i would use but i wrote them a letter asking for the same interest that i would have paid them included in my refund. 
I am writing because i am tired of these companies taking advantage of consumers and by having the CFPB investigate and publish this accounting there just might be one consumer that will close the account and request the refund, or have it paid to the trustee as an asset. The card was listed on my creditor list disclosure however the balance was XXXX so there was no liability. 
The reason for the Chapter XXXX was to stop the foreclosure process on my home, i had requested a workout from the lender, XXXX XXXX XXXX, but they refused.
On or about Tuesday, XX/XX/XXXX, a guy claiming to be from a company called XXXX threatened legal action against me if I did not pay a past due amount. They threatened arrest, jail and garnishment of wages if I did not agree to immediately pay something. 
Out of fear, I paid {$50.00} immediately and agreed to {$150.00} payments for the next 4 weeks even though I can't really afford that at this time. They have my debit card numbers and will withdraw the money on certain dates. 
I am concerned about the legality of this. I don't like strangers with my card numbers ; I have no idea who these people are and if they're legit. I was supposed to receive a receipt by email for the {$50.00} paid already and never did. 
Until I can verify that they are legit, I will be canceling my cards..I do not want to lose funds to this potential scam.
This company has repeatedly reported this item incorrectly on my credit. I'm dealing with a debt settlement company that specializes in this hard money, very high interest loans in settling them so the creditor doesn't take a complete loss via bankruptcy. I didn't want to file because I felt there was another way to do this. They've been taking payments since last XXXX and are scheduled for the last payment to take place in the amount of {$700.00} this month. Then the debt is considered paid as settled. Yet they continually keep updating the credit bureaus stating the account is charged off for over $ 4K! It's not true and this is the 3rd time I've had to report them for inaccurately reporting this account on my credit. It's wrong on all 3 bureau reports. The agreement they signed is attached as proof yet again, that this very slimy company continues to pretend they don't know exists. I would suggest contacting their corporate office who is the one that made the agreement, without the knowledge of their rogue collection dept. who keeps trying to say I owe them more and the account was charged off. If they don't fix it I will find an attorney and have the item permanently removed from my credit. If they put it back on after that as a charge off then I'll be happy to sue them! They've repeatedly violated this agreement!
My Discover Card was used fraudulently. I reported the charge I did not recognize. Seven days later I received a message that my new card had been mailed, however the address was incorrect. I called Discover and they informed me that someone had changed the address within the seven days since the fraudulent charge. Why was someone allowed access to change an address during a fraud dispute? Why was the card mailed without my verification of the correct address? In addition, when I called Discover their Customer Service did n't seem to verify my identity and a Fraud Specialist by the name of XXXX offered to reset my online password. A human accepts my password?? I did n't reset it. It seems that Discover has serious flaws in their security procedures. As usual with large institutions, the public can not speak to an executive. I am not asking for any action specific to my issue. I just want someone from CFPB to inform Discover that their security procedures need a strong review.