WillisBack/dataset-financial-user-claim huggingface dataset:
The incident is about a WIRE TRANSFER. I was involved in a Love Scam. I do admit that i WIRED the money to capital one ( acct : XXXX rtn : XXXX ) the name on this account is under ; XXXX XXXX XXXX XXXX the amount of the transaction was {$40000.00} us dollars. 
The bank Captial one, called me on XX/XX/2018 to advise me that the wire i had submitted was Fraud! I have been calling ( XXXX ) XXXX rep XXXX is the one that called me and the next day it was XXXX from Capital one. I requested them to cancel and stop the wire from being transfer to that business account. 

The bank Capital one has advise me to call my bank to do a re-call and a hold harmless letter. I have been contanting my bank XXXX XXXX XXXX XXXX XXXX ( XXXX ). My credit union has not been able to do the recall, because they dont have the system to do the recall. 
I have contacted a lawyer and I have also submitted a Complaint referral form to the FBI called Internet Crime Complaint Center ( ICCC ). 
The FBI agent XXXX XXXX ( XXXX ). He has called my credit union and asked for XXXX XXXX ( XXXX ) XXXX she is in the fraud department. The FBI agent also called the wire dept for XXXX and asked for XXXX XXXX ( XXXX ) XXXX and he also emailed the wire dept XXXX, and got no where with them. They have not been able to follow the FBI instructions. 
They are not able to do anything for me! 

I need you, CFPB to help me regain my money. I need my money back. No one has been about to help me. I have mailed the FBI compliant letter to Captial one and i have emailed them the form too, to FDIC ( XXXX ) and to Captial one abuse email. They have it in an email and a physical paper of the FBI Complaint. 

Please tell me what to do. Thank you
I purchased a van with an auto loan with Chase on XXXX 2015. On XXXX 2015, I refinanced the auto loan with Chase. I signed and sent back the new loan, and the phone representative and the branch employee informed me the old auto loan will be paid with the new auto loan. It has been 3 months now, but the old auto loan is showing I am delinquent, I received letter from Chase saying my loan is past due, and my credit score has dropped from XXXX to XXXX. I have called the Chase auto loan dept, and they have escalated the matter but it has been 3 months and counting.
Ameritech Financial collected thousands of dollars from me and said my student loan was paid. 

I have just learned that their organization is fraudulent!
Divorced in XX/XX/2016 and husband was given the travel trailer by the judge of XXXX County, TX. Judge did not make him sell or refinance the trailer. My lawyer had the judge add wording to protect me and my property from debt collection if the debt went to default. 

At the request of Commerce Bank I have located my ex-husbands address, work, and phone numbers and given it to Commerce bank. I found out he sold the trailer to his cousins and told Commerce Bank the name of the couple and area where they lived. Commerce Bank did not go get the trailer. 

Commerce Bank is still posting information on my credit report of past due/ collection/write-off debt and I am afraid the will put a lien on my property or garnish my wages to pay for this.
i am trying to get a house and all three credit agencies are report three different things. I initially on dispute on agency now I would likke XXXX to show the same information as the other three as all should be the same.
I have a Capital One Credit Card. I have had it for probably 20 Years or more. I usually log into my account at least once a month to look at charges as well as payments. 
On XXXX the XXXX 2017, after I entered my username and password it took me to a different page asking me to verify 3 things. One was my contact phone number, two was my email address and the third was my annual income. My annual income is private and I did not wish to disclose it. Because I would not disclose my annual income I have been denied access to my account online. I spoke with a rep from Capital One then I spoke to there Supervisor. They were unable to help or grant me access to manage my account. They are not restricting me to use the card. The credit agreement has not changed. They are just restricting me from viewing or have access to manage my account until I give them my Annual Income information.
On XXXX XXXX, 2016 my report was shared with XXXX XXXX XXXX, XXXX XXXX on behalf of XXXX XXXX XXXX XXXX without my authorization. The inquiry is scheduled to continue on my record until XXXX 2016. Experian 's sharing policy ( attached ) does not grant authorization of this type of sharing without consumer 's authorization.
The cable company XXXX XXXX has sent XXXX different collection agencies after us on a bogus bill ( although they keep changing the amount owed ). 

The bogus bill concerns cancellation costs that we were assured would not occur when we took out the contract. The first collection company accepted our documentation, but the second persists.
On XXXX/XXXX/2015 I should have received my direct deposit from my job that was sent to Rushcard to deposit on my account. It was not posted that night the next morning I called to see what was going on but I could n't get through, I figured it would be on there the following morning when I went to work.XX/XX/2015 I went to work and checked my Rushcard app on my phone to see if my money was there because I had n't received my text message saying it was there, when I looked it said I had XXXX from a Process credit. On XXXX/XXXX/2015 I went to the bank to withdraw my money to pay my bills and my card was declined so I pulled my app up for the teller and showed him it was there so he ran it again. The second time he ran my Rushcard my account went to XXXX, I let him know that he got the money because my balance went to XXXX, He stated ma'am your card declined and it did n't give me your money, How embarrassing! So I went to work and that night I was able to get ahold of a representative for Rushcard after being on hold for an hour, they explained that my direct deposit was safe and they were working through some glitches and it would be posted soon but could n't give me a day or time. Long story short.. it is now XXXX/XXXX/2015 and I still have not received my direct deposit from XXXX/XXXX/2015 from my job that was sent to Rushcard. I have spoke with several different CSR and have been told a lie everytime I 've called.. It feels like I was stolen from because they will not give me what I have worked for. I had to go take out a loan just to pay my bills and to keep from loosing my car because Rushcard wo n't give me what is owed to me.. Every time I call Rushcard and put my information in it will ring three times then hang up. I have switched my direct deposit over to someone else now so that I wo n't have to worry about this anymore but Rushcard owes me {$580.00} and I want my money. I have my paycheck stub and all my Rushcard transaction history printed for proof of what they owe me.
i BORROWED {$5000.00} TO PAY BACK SOCIAL SECURITY AS THEY PAID ME TOO MUCH AND WERE GOING TO WITHHOLD BENEFITS. I AM XXXX AND A NON-COMBAT VETERAN. I WENT THERE AS THEY GAVE ME FUNDS IN 24 HOURS WHEREAS MY BANK WANTED 14 DAYS. I GOT THE MONEY PAID OFF MY SOCIAL SECURITY BALANCE AND PAID OFF A CREDIT CARD. I THEN WENT BACK TO MY BANK TO REFINANCE AT 9 % IN LIEU OF 27.58 %. aT MY CLOSING ONE MAIN FINANCIAL CHARGED ME {$270.00} IN A PRE-PAYMENT PENALTY.
I currently have XXXX loans that were originally taken out with XXXX for XXXX aka XXXX, fast forward they are currently being serviced by navient. for the last XXXX years I have been repaying them under the income based repayment plan. just recently we renewed the terms and agreement, come to find out they have been harrassing me and threatening to purse legal action because I 'm currently XXXX days past due. they have been removing the agreed amount out of my account yet they are only applying it to the original amount that I could n't afford and they have been calculating interest and damaging my credit as well.
I sent the following message to Capital One on XXXX/XXXX/16 : My name is XXXX XXXX at XXXX, New York, XXXX. My contact number is XXXX. You may reach me by this address or phone number regarding any business matters with you. Under the Fair Debt Collection Practices Act, I will consider any further contact at my place of employment or by others means inconvenient and harassment. 
On XXXX/XXXX/16, I contacted Capital One with the following message : On XXXX/XXXX/16, I contacted your business with the following message : My name is XXXX XXXX at XXXX, New York, XXXX. My contact number is XXXX. You may reach me by this address or phone number regarding any business matters with you. Under the Fair Debt Collection Practices Act, I will consider any further contact at my place of employment or by others means inconvenient and harassment. On XXXX/XXXX/16, I was contacted by XXXX XXXX a representative of Capital One who ensure I would only be contacted at the means listed above. 

On XXXX/XXXX/16, I was contacted at my place of employment by Capital One by XXXX a representative of your company. Due to continued contact at my place of employment, I will be filing complaints with New York 's Attorney General 's office, the Federal Trade Commission, and the Consumer Financial Protection Bureau. 

I am seeking assistance from your organization to stop harassing phone calls at my place of employment and only contacted by the means I specifically specified.
On XXXX XXXX received a call from a XXXX XXXX stating I had 72hrs to Connact her at Samuel Whittaker and associates at XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. Her telephone number XXXX. She stated if I did not call within these 72hrs than I would have a civil suit filed against me and XXXX in XXXX and XXXX county and I have been warned and have a great day!
Upon review of my credit report I discovered West Asset Management, XXXX XXXX Account # XXXX ). This is a paid collection account. I work on the pipeline so I am away for months at a time. XXXX is no where on my credit file and then one day I check my credit and a Collection account is reporting. I NEVER received any notice of this debt. I am requesting for this account to be removed from all credit agencies. I paid this debt as soon as I was made aware of such debt. I was NOT given any notice. I am requesting if there was such notice given all documentation to be provided. 

Without such, I will consider this matter satisfied by fully deleting the account. 

I really appreciate your assistance.
I have prepaid my flood insurance for 3 years and my home insurance for the year. Every month I pay for both flood and home owners insurance despite submitting proof that they have been paid in full. I have contacted there escrow department over a dozen times. They fail to respond unless severe persistent measures are taken. I have called, sent emails, even certified letters. My insurance company has contacted them. They have confirmed they have gotten the documents and yet, every month I am still overbilled. They overpaid my property taxes by XXXX, which when asked by the XXXX clerk she has no idea why they did it. I feel its unreasonable that I, nor anyone else should be forced to used a lending carrier that cant even bill every month correctly. If they can not handle paying the appropriate people ie my insurance company, the tax borough and whomever else I should not be forced to have incompetence controlling my finances.
XXXX closed my ac after being paid off and full, then sent me a small remainder XXXX to collections, which I paid and told them it was paid. They said they would investigate, never heard back and then they closed my acc!
helloI need your help.. 
I had checking account with Scottrade bank. On XXXX 2014, i saw some usual transaction from my account so i called in and filed dispute on those transaction, it was around {$1000.00}. then later on bank send me a letter saying they denied dispute and they took the money from my account. and i found out my sister used it, i gave her card number in case of emergency. so i did n't bother to call bank again and totally forgot about it. till last week, i was checking my credit score since i am applying job, I found i have XXXX collection against me. so i called in and found out this collection was for that dispute i filed last year. so i explained to them this fund is paid, bank took money from my account and release the fund to merchant. I called in the bank and tried to get the statement so i can show the collection agency. Bank put me hold forever and told me they need to do some investigation and need to call me back. i said ok. I got the phone call 2 days later, they said they are really sorry, and they did n't realize they still have those money with them and they will send XXXX XXXX something dollars check to me today. I asked them how come they kept money more than a year and half and never notify me or merchaint about this, and they said there were some confusion. they should 've let me know but they didnt. I moved last year, and i did n't get the collection notices too. Now i need to pay {$1500.00} after all those late fee and interest charges in order to remove the collection from my credit report because they were confused and forgot the notify me that they did n't release the fund to merchant and or me. and accusing me it is my fault originally because i filed dispute. i am so frustrated why it is my fault. they probably kept the money forever if i did n't find out. i do n't understand how can bank make this kind of mistake. its not XXXX cents. it is over XXXX dollars. they need to take the response and take care of this matter. 
Pls help me.
After sending information to verify myself with my disputes, including their internal file number XXXX, Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XXXX  and XXXX  have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know of 21 other people in my advocacy group who have gotten this same canned response from Experian because they think no one will take legal action ...

The items in question are as follows : XXXX XXXX XXXX XXXX XXXX   XXXX not mine XXXX XXXX  XXXX  not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX  not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX   XXXX  not mine XXXX XXXX XXXX not mine XXXX  XXXX  not mine XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX  not mine XXXX XXXX   not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX. never late XXXX XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXXXX/XX/XXXXunauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXXunauthorized
Me and my brother are twin brothers with similar names, my name is XXXX XXXX XXXX and his is XXXX XXXX XXXX and we have similar social security numbers. We have lived together in the past so we have had the same addresses. Our credit information is mixed up with his information on my credit and his social on my XXXX when theyve checked my credit. Ive fixed it in the past and now it is all mixed up again and are unable to locate my XXXX report because of the mix up. XXXX gives an error code and is not reporting accurate accounts on my credit.
In response to a debt collection letter, I sent Cavalry Portfolio Services a certified letter dated XXXX XXXX, XXXX requesting Verification of Debt demanding the production of certain documents. Cavalry responded with a letter dates XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX I sent them a second letter advising Cavalry of the insufficiency of their response and again demanding the production of certain documents to verify the debt per the Federal Debt Collection Practices Act. They refused to produce said documents, and in violation of the law continue to report the unverified debt on my credit file. A third letter was sent to XXXX on XXXX XXXX, XXXX demanding the removal of the offending entry on my credit report. There has been no response whatsoever from XXXX to my third letter, which advised them that I would take legal action and report their illegal activities to the proper governmental governing bodies. 
It has come to my attention that the Arizona Department XXXX XXXX XXXX fined Cavalry Portfolio Services the sum of {$170000.00} on XXXX XXXX, XXXX after reviewing more than XXXX consumer complaints for engaging in the same illegal collection activities cited here. Please stop them!
I was in a 3 year vehicle lease agreement with the creditor, which I paid off 100 % in a balloon payment at the start of the lease. I turned in the vehicle in XX/XX/XXXX. According to the creditor 's policy the {$590.00} fee is waived if a customer buys or orders another XXXX XXXX. I spoke with XXXX XXXX ( " Salesman '' ) at XXXX XXXX of XXXX ( " Dealer '' ) in XX/XX/XXXX and placed an order for a new car. XXXX contacted me a few weeks later to let me know that this model is now UNAVAILABLE in Diesel. He also said that the dealership would " take care '' of the {$590.00} fee with the creditor as it was not my fault this the manufacturer could not deliver the vehicle I ordered. 

In XX/XX/XXXX the creditor started sending me letters and calling me about me needing to pay them {$590.00}. I explained to them what happened, however they refused to talk to the dealer about it. They also offered that if I paid them {$300.00}, they will be good with that. 

I first contacted TransUnion on XX/XX/XXXX after I saw an adverse account with an outstanding balance of {$590.00} on my report. They delivered the dispute results on XX/XX/XXXX, however nothing changed and this adverse charge was not removed. I initiated a second dispute that same day. TransUnion came back in XXXX of XXXX and nothing changed then either. 

Before TransUnion started reporting this, my credit score was in XXXX. Afterwards, it dropped to XXXX. I have always had an exceptional credit and credit score, and this item has negatively affected my life in more ways than one.
I had a Citicard credit card for years. I always got my statements by mail. I stopped using this card when I got a better offer from XXXX. At the same time I stopped using this card [ but still had it active ], Citicards changed my billing statement to electronic without my knowledge or consent. This led to numerous penalties that I was unaware of. When I finally learned of these charges, I paid the card off completely and ended the account. Then three or more months later I get a call from them telling me I still owed new charges for late fee penalties. 

This is a VERY SLICK SCAM, and I realize how hard it will be to catch them at it. But it is clear they could easily make millions of dollars running it. And I am sick how the Republicans are trying to end or defund you guys. There is absolutely no way for me alone to do anything about this and it is too small of amount to even try. But I suspect it is criminal fraud. good luck trying to catch them! 

The reason I have not included my account number is that I ended this account some months ago and threw away my cards. I am not a great record record keeper but probably could get my account number from the bank where I wrote my checks from. Citicards will only give me my last 4 digits on the phone. I am happy to help with more details if you want to pursue this. I fully realize how hard this will be to catch them. They can say I gave approval to do electronic statements and it is my word against theirs. There is no way I would have approved that as I do not trust emails to not end up in the junk file and me missing them. As I said, I just have a small hope that this complaint will start an investigation into this petty fraud which would end up with them making millions of dollars in fees.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX The majority of these are doubled, back to back dates and inquiries that I have no idea about, if you go through my hard inquiries youll see that they arent even something that I dont even understand. But, the list above is just a few inquiries that shouldnt be on there that have been posted multiple times.
Trans Union continues to list a dismissed bankruptcy as confirmed within my credit file. Although it is Trans Union 's policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. However, the law clearly states from " date of adjudication '' or date of " order of relief ''. Neither occurred in the bankruptcy that Trans Union continues to report.

Any case, civil or otherwise, which is dismissed never existed in the eye of the law and a case filed may never have actually been adjudicated.  Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Trans Union must delete this information from my credit report and send me an updated copy when this action is completed. Trans Union has already reported this on my credit report for over seven years... enough is enough.

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this complaint and please provide me an updated copy of my credit report.
Midland Funding is reporting a debt of {$4400.00} for XX/XX/XXXX. at one time it reported 2 debts for {$720.00} during this period I disputed, and they changed it to XXXX. A debt of $ XXXX for a period taken in XXXX reported and removed. 
XXXX was reported in my name 2 times taken out in XX/XX/XXXX. and updated. However now this amount of $ XXXX plus is reflecting again. There has NEVER been an account opened from XX/XX/XXXX, with a credit limit for an amount of {$4400.00}. Please ask the Midland funding Company to show the signed contract, along with an offer for a credit line of XXXX plus the credit card number. There is clearly a shell game going on here with the Midland Funding Company. Thank you for your time. XXXX SPEED
RE : Ocwen Loan No : XXXX XXXX XXXX XXXX XXXX, MD XXXX ( Property Address ) Information contained on my credit report for XXXX and XXXX 2016 mortgage payments to Ocwen is blatantly inaccurate. First, I attempted to use its automated telephone system to make mortgage payments via " XXXX '' on the XXXX of each of the aforementioned months after XXXX However, when I prompted my personal identification information, I was not permitted to execute the mortgage payments. 
Ocwen mortgage payments are not accepted after XXXX or on the weekends, but will are credited the next business day. After the unsuccessful efforts to pay my mortgage, I was only able to make the payments the following weeks, but, beyond the thirty day payment period, i.e., XXXX XXXX and XXXX XXXX, respectively. 
However, if I was able to execute payments on XXXX and XXXX XXXX, as expected through its automated services, I would not have late payments for those two months on my credit reports.