WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Sir/Madam, 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, 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, in a public forum, 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 via XXXX or 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.
This debt was due to an XXXX visit where I clearly stated I did not have insurance and was unable to pay the bill. I was treated for a XXXX, and was not advised that I would be placed in collections for my inability to pay. This amount should be discharged.
I have disputed multiple inquiries on my credit report with Transunion. Transunion advices that they will not dispute inquiries. This is a violation of the FCRA by furnishing inaccurate information regarding my credit file to potential creditors.
XXXX calls my hosue every day trying to extort me for XXXX  dollar for their credit repair and then telling me if i put down XXXX then pay XXXX a month they would work on a case. i told themi do not do business with terrorist and they keep on calling me. they are suckering people in with trade lines and fraud
This item is my mortgage account with XXXX XXXX XXXX or XXXX XXXX XXXX. My credit report is showing an open date of XX/XX/XXXX when it should show XX/XX/XXXX Highest Balance is showing XXXX when it should show XXXX. I am requesting the updated information be made.
Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX XXXX XXXX Also, by TransUnion Credit Reporting Agency and XXXX XXXX XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas ? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made TransUnion aware of this they have not done an accurate investigation on XXXX XXXX XXXX XXXX XXXX. So, I checked XXXX Texas Debt Collections XXXX website and found out that XXXX XXXX XXXX XXXX XXXX is breaking : " Texas XXXX XXXX XXXX XXXX which prohibits a XXXX-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a XXXX bond and file a copy of the bond with the Office XXXX. Also, you can not operate in the state of Texas with a XXXX '' I am in need of another Investigation to remove them from my credit report please.
Contacted MiLend Inc in XXXX, GA back in XXXX of 2017 of securing a mortgage through them. Spoke with a young girl named XXXX who was new with the company. Explained our circumstances of what we were looking for in our loan. She seemed to tell me everything I wanted to hear. We had a fresh appraisal and wanted to use that and not pay for another, " no problem I heard ''. Wanted a interest rate for a 15 year fixed at 3.5 %, yup we can do that as long as everything with you checks out. Both my wife and myself have over a 750 credit score and should yield some of the best rates. Having a credit history of paying mortgages for over 30 years with not ever making a late payment was also another attribute as to our risk factor. Then the phone call in the 11th hour. We have to pay for another appraisal, ok we '' re not happy but we '' ll go along with it. Oh yeah the 3.5 % interest rate is now 4.25 % with a lame excuse of we were only borrowing {$90000.00} and loans under {$100000.00} have to pay more to make it worth it to their investors. Closing costs that were said to be approximately {$2000.00} are now inflated to over {$4000.00}. When I called to talk to a supervisor I was given a run around. At that point we pulled the plug on them. I can only say a deceitful company, shame on them.
Experian Report Number : XXXX. Account Name : XXXX. Account Number : XXXX. On XX/XX/2018 I mailed a dispute to Experian regarding the credit item mentioned above. The dispute reason was " credit limit inaccurate. '' ( See attached copy of original dispute submitted. ) Experian received the dispute letter on XX/XX/2018. ( See attached certified mail return receipt. ) Experian provided me with the reinvestigation dispute results on XX/XX/2018 stating " information on this item has been updated. '' ( See attached copy of Experian dispute results. ) Thus, the inaccuracy remains on my credit file. I contacted the data furnisher, XXXX and received a response on XX/XX/2018. In the response letter, the data furnisher acknowledged the credit limit for this account is ( XXXX. ) ( See attached copy of letter from data furnisher. I have highlighted their acknowledgement. ) Experian 's reinvestigation dispute results contradicts the response from the data furnisher. Therefore, the credit item must be deleted because it is not 100 % accurate. Experian has violated the Fair Credit Reporting Act ( FCRA ). The FCRA does not allow the inaccurate reporting of information on my credit report. A reasonable investigation was not conducted and failing to comply with the FCRA is willful noncompliance. FCRA violations include section 607, 609, 611 and 623. Therefore, if Experian does not immediately remove this account from my  credit report, Experian will be subject to large monetary fines, plus punitive damages, court costs, and attorney 's fees, as well as complaints to the FTC, Florida Attorney General, and other state or federal agencies.
Trident Asset Management is reporting a collection on my credit reports with multiple errors that are a violation of the Fair Credit Reporting Act and needs to be deleted. 

1. On XXXX they are listing this account type as " open '' when it should be a collection. 

2. On XXXX, they are reporting an address of XXXX, XXXX, GA XXXX when that address is no where on their website or BBB profile. How can they have different address on each report? XXXX shows the address of XXXX, XXXX, GA XXXX which is on their website. 

3. They never sent me anything such as a bill of sale, or any letters from the XXXX saying they can collect this debt. 

4. It does n't look like they did on investigation on this account at all because the date of status on XXXX is XX/XX/2014.
My mortgage was with XXXX. I sent so many documents to XXXX. 
For years I sent documents. I had a loan modification with XXXX. My loan was transferred I tried at tell them that I had a plan with XXXX. SLS said they could n't find anything. I had to start over. I have sent many documents to them. SLS even sent me a Summons and Complaint. 
When I learned that my loan was transferred I was confused because XXXX had just approved me for a loan modification. With SLS I had to start over and still sending documents. I do not want to lose my home. 
I paid an attorney to help me over {$5500.00}. ( considered a scam ) he took my money.
I sent equifax my dispute on XX/XX/XXXX,2017 ask to dispute several accounts that 's on my credit report. Equifax refuse to do a proper investigation calling the companies and asking them to verify over the phone or via the computer does n't constitutes an investigation. Equifax does n't have any paperwork nor contract that bear my signature stating that I have a contract obligation to these accounts. Which is a violation of the FCRA per section 611. Due to the findings of your investigation which was published and the fines that cfpb issued to equifax for these same illegal practices.
Ace cash express is claiming ( by e-mail ) that I requested a loan through them in California. I never did. I have not been to California in years. I do n't want to call them. But I want to see if anybody can go after them for lying and potentially stealing my identity. I have already placed a fraud alert on my account. Here 's the e-mail I am receiving : A cash payment of {$290.00} is due on XXXX/XXXX/2016. 
Visit ACE Cash Express at XXXX XXXX XXXX XXXX to repay your loan. 
If you have any questions please do n't hesitate to call us at XXXX.
I am a victim of the Equifax hack of 2017 where mishandling of my sensitive information and lack of proper security have led to my information being leaked to the public.
On XX/XX/2016, I was in XXXX Louisiana and had my debit card stolen along with my cell phone. My banking institution is JP Morgan CHASE. Because I " did not '' have my phone with me I was unable to call the " Chase customer claims department '' XXXX and report that my card was stolen. On XX/XX/XXXX I returned from XXXX back home I attempted to log on to my bank account and find that the funds that were in my business checking account word depleted in the amount was {$11000.00}. I proceeded to call " Chase customer claims '' to report the fraudulent activity. I was advised to submit a claim to their fraud department and also fill out an affidavit regarding the fraudulent charges. I was also advised to reach out to the merchants who received the fraudulent charges and the primary merchant was XXXX. Based on recommendations from chase I was told to file a claim with XXXX as well as file a police report which I did and sent back the information to the chase customer claims department. After submitting all the requested information I was told by " Chase customer claims '' that the claim was denied based on inaccurate information. I asked what " inaccurate information '' means and what could I do to help have this fixed. I was told that they could not tell me that information, and that my best option was to have the claim " resubmitted '' for a second look by upper-level management. After waiting the standard 2 day reply from " Chase customer claims department ''. The claim was denied once again. 
Because the funds were in a business checking account and ultimately belong to another firm. We needed to take action immediately to resolve this issue. We were told time and time again to resubmit the claim to " Chase customer claims department '' to get the same results time and time again. Submit the claim t " '' Chase customer claims department " and after two days receive a denial letter. This is become extremely frustrating because we have gone above and beyond what we are required to do as a consumer from this banking institution. Including filing a report with merchants and getting a police report generated.
XXXX aka '' XXXX '' shows on both XXXX as well as XXXX that i have an eviction twice showing on my name that was recently placed back on my name after the discharge of the debt, and i never received an eviction for this property. This is an illegal eviction if such papers were filed after me leaving the subject property. The debt was discharged but had no knowledge of any evictions at this property.
I had a mortgage with XXXX in XX/XX/XXXX my payment was only XXXX a month owed XXXX Us Bank took over the loan in XX/XX/XXXX they said I owe XXXX and payment of XXXX a month WRONG. never signed a note with this US BANK just send payment to them.
XXXX XXXXXXXX XXXX got leads for me, just prior to the XX/XX/XXXX workshop, our XXXX XXXX XXXX XXXX XXXX, XXXX XXXX said he couldn't use the leads ( for potential life insurance ) because he'd be required to have a Certified Public Accountant ( " CPA '' ) license. The leads were from a tax course but I thought the company only did the marketing, didn't realize the tax company I wanted to use was " XXXX XXXXXXXX XXXX. '' I later talked to my regional sales leader, XXXX XXXX who said we could use the leads.Anyway, went forward ( {$11000.00} bill ) because didn't want to leave the nice woman in a lurch ( XXXX XXXX ). The people showed up but then I was liable for the bill. I was offered a payment plan by the staff then the owner calls and demands a large deposit ( I'd already paid {$500.00} and paid separately for the tax course ), which I didn't have. He sent me to collections, made a pay arrangement of about {$1100.00} @ month. Made two payments but now found out the leads may be used so am awaiting outcome of a decision regarding this via my Congressman XXXX XXXX. In the meantime, XXXX XXXXt ( Atty XXXX XXXX ) ( XXXX ) insists on calling me at work, then when I tell them to call me on my cell, and that I'm working on getting them paid ( and also keeping XXXX apprised via email ), they keep calling my work, talking to my boss, making demands, and sending the bill to my work email. They just called me at work twice today, last Friday, 2-3 times.I have a very reliable friend who was going to help me out with this back in late XXXX, early XXXX, but he got really sick and is just recovering. 

The last time I put on an event ( " XXXX 's Purple Purse '' domestic violence award XX/XX/XXXX ) for my boss it was so time consuming, that I was glad to see XXXX XXXX XXXX. They are very good and get the " butts in seats. '' I wanted to be fair and make sure they were paid, and keep their goodwill.
On XX/XX/XXXX our company ( a non-profit organization ) made an online transfer of {$24000.00} from our Wells Fargo savings account to our Wells Fargo credit card account in order to pay off the current balance. On XX/XX/XXXX we discovered that the payment amount was deducted twice from our savings account instead of once. We phoned Wells Fargo that same day to notify them of their error. A Wells Fargo agent responded that the error would be corrected and the second ( erroneous ) transfer of {$24000.00} would be transferred back to our savings account. On XX/XX/XXXX we checked our saving account balance and discovered that the error had not been corrected. Phoning Wells Fargo on that same day, the agent told us that it would take 7 to 10 business days for the money to be returned to our account. We let them know that that length of time to restore our funds was unacceptable, but they said there was nothing they could do to restore our funds to the savings account any faster. 
In this day and age of immediate electronic transfers, 7 to 10 days seems extraordinarily slow for the correction of this errorthe banks errorand makes one wonder if Wells Fargo delays these types of error corrections for their own financial gain.
Santander locked me into a predatory lending auto loan. Once I figured it I tried to negotiate a lower rate because I knew I would n't be able to make the payments due to missing work because my wife was Ill. I 've paid a {$510.00} car note for 4 years. I did n't receive any notice and they repo the car.
XXXX   XXXX   XXXX , MN  XXXX   XXXX , has submitted to all  XXXX  credit reporting agencies that this account is owed, I have contacted  XXXX  about this and told me they would research it ( which was  around 3-4 years ago and nothing. I have con tacted all  XXXX  credit report agencies and they have not done anything about it by removing  it ( onl y they added a comment : : Consumer disputes this account information ) which is harming my credit and has now for several years. please help
Today XX/XX/XXXX my husband, I and my sister in law all received calls about a car repo from XX/XX/XXXX. For starters they shouldnt be calling my sister in law and giving them any information. They left a message on my husbands voicemail that if he doesnt respond today they will have him arrested. The business is called XXXX XXXX and their number is XXXX XXXX. They said we had to pay something to them today or they would take our tax refund, garnish wages or money from our bank. We have not even received a letter regarding this situation at all. They are also repeating calling all of our numbers.
Pinnacle is reporting a collection account on my credit report. I first tried to dispute with credit reporting agencies. I sent letters asking for validation and received nothing. I then called Pinnacle to see what I could get straightened out and I was told by Pinnacle that they were n't handling this account ( thought they are reporting it ) and that I should call XXXX XXXX. I called XXXX XXXX and was told to call Pinnacle since they were the company reporting this disputed account. I went in circles like this XXXX times and got nowhere. I then send a certified letter ( attached ) and have had no resolution. Pinnacle has failed to validate this disputed debt, and in fact has said numerous times that they are not even handling this debt. I am requesting immediate deletion of this account from my credit reports for the violations listed above. 

Pinnacle acct # XXXX
Over the past year, I have been charged an excessive amount of overdraft fees. When I called to complain, the bank stated that if changed its internal system to process the account and show availability funds only at the time when the transaction is settled. Formerly, the bank used to process payments at the time of authorization, which would seem more appropriate given our real-time processing environment today. For example, I showed an available balance at XXXX for {$220.00} this morning. I checked my balance at XXXX and now have a balance of {$20.00}, as I was charged a {$100.00} in overdraft fees.
I, XXXX XXXX XXXX, have applied for a loan modification with Citi Mortgage and after 60 days I still have no decision nor do I feel like my application is even being looked at. Today I called in to check the status of my modification and a supervisor in the mortgage assistance unit by the name of XXXX XXXX ID # XXXX told me that there is no time frame for a loan modification review which baffled my mind because to my knowledge they have 30 days after receiving a complete loan modification package to render a decision. I 've been told before by other reps at Citi Mortgage that it takes 30 days and we 're approaching the 30 days and to be patient that there would be a decision. On the Citi Mortgage website specifically on this page https : //www.citimortgage.com/Mortgage/displayHomeOwnerAssistance.do? page=troublepayment it says that a review takes 30 days after a complete package is received. I submitted a complete package on XXXX/XXXX/2016 and confirmed it was received and a review was opened on XXXX/XXXX/2016 by XXXX XXXX at XXXX : XXXX. She is also the assigned specialist on my file. I 'm very upset that a SUPERVISOR would tell me today XXXX/XXXX/2016 after having my complete file for almost 60 days now that there is NO time frame for a loan modification review which seems false to me according to citi mortgage 's own website! This is unacceptable! I 'm falling further and further behind while my file is just sitting on someone 's desk not being looked at, I also do n't appreciate the fact that XXXX XXXX XXXX ID # XXXX who claimed to be a supervisor after I asked to be transferred to a supervisor and got XXXX XXXX on the phone that there is NO time frame for a loan modification review. This has shocked me and caused an incredible amount of distress. They say they 're here to help then treat struggling homeowners in desperate need for help like XXXX XXXX XXXX did to me. This is extremely unacceptable and I would like to get the honest truth about if my file is really with an underwriter or not and if so, I would like to be treated fairly and have Citi Mortgage comply as I have with their requests and to give me a decision in a timely manor which they 've failed to do and not only that, they 've added distress to my already difficult situation.
hello! 

I have two credit cards that have gone into collections, one is a XXXX XXXXXXXX XXXX   Card that has XXXX dollars that i owe, the other one is a XXXX XXXXXXXX XXXX Card that has XXXX. both of these cards were opened by a family member has opened and i was unaware and now I am receiving calls saying that i owe money on them, I have been in contact with that family member who refused ever opening the cards and i talked with the companies about helping me get them either opened again so i can own them and make payments on them or just take the negative remark off of my credit to which they can not help at all. I have tried to make a settlement with them and they still will not help. 

my name is XXXX XXXX my social is XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
A couple of years back I noticed a double payment was taken out of my account for my vehicle loan. I called 3 times and was promised to have the payment reversed. The payment was never reversed. I wanted to explain that story first to paint a picture in your mind of what Santander Consumer USA is doing now. Just recently I sold the vehicle that is under the loan with Santander Consumer USA. I have sent several checks to them with notes to apply the checks directly to the principal. I noticed a check was not applied correctly resulting in my due date being pushed out till XX/XX/XXXX. I called in and asked to have it reversed and explained my frustration to the rep and how the check was marked. The Santander Consumer USA representative informed me that the checks do not go straight to principal, even though they were marked. She also told me that I would have to call in each time this happened to have the payments fixed. The rep gave me their standard spiel in how the payment would be fixed in 72 hours. A few days passed by and the correction was not made and still is not to this day. I therefore called back in as I had since then sent in XXXX more checks that were also marked " principal only ''. XXXX of the XXXX checks were applied as regular payments. The rep I spoke to this time told me the same story, even though the checks were marked " principal only ''. He told me the issue would be fixed and my next due date would be adjusted to be XX/XX/XXXX instead of XX/XX/XXXX. I asked the rep if there was an email address I could email to follow up, he told me I would have to call back in. Today, I sent a written to Santander Consumer USA through their site again, requesting to have this fixed. They responded back requesting me to call in as they can not send sensitive material over email. I responded back that I was not requesting anything sensitive to be sent, although they replied to me in regular non-encrypted email with my account info exposed. I have been persistent with them and will continue to be because they have collected over {$260.00} in interest that I need to help me payoff the car faster. I am also afraid they will disregard my request like they did a couple years back as mentioned above.