WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2017, I was made aware that there had been a major security breach involving Equifax in which millions of consumers ' personal information were stolen. Equifax 's management 's involvement in the breach and Equifax 's subsequent actions following the breach have been atrocious. Security management practices at Equifax, a company responsible for the handling of all American consumers ' most vital personal financial information without the consent of those same consumers, were insufficient to guard against a major breach. Following the breach, Equifax 's executives chose to withhold this information from affected consumers for months, in spite of our rights to be informed of the mishandling of our personal information and lessening our abilities ' to immediately counter illegal activity. Equifax 's executives ' decision to withhold the information of the breach may also be attributed to their decisions to sell large amounts of their Equifax stock to personally profit knowing that Equifax 's stock would plummet once consumers and investors were made aware of the breach. Equifax has also chosen to continue to charge for credit freezes, which, despite individual states ' legislation deciding the rates credit agencies may charge to freeze credit, is at the discretion of credit agencies such as Equifax. Equifax 's ONLY response to the breach has been to make consumers quasi-aware if their information has been compromised with various vague messages and an offer to enroll in a free identify theft protection program ( also managed by them ) for one year, despite the consequences of the breach extending for a lifetime. Overall, I, and the millions of consumers affected by Equifax 's mismanagement of our most vital financial information, are incredibly dissatisfied with Equifax 's actions related to the breach.
TRANSUNION continues to report " hard '' inquiries into my file by XXXX CARD on XXXX/XXXX/XXXX and by XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX,XX/XX/XXXX and XXXX/XXXX/XXXX. I have REPEATEDLY asked that ALL of these be deleted as they were to have been done as " soft '' inquiries yet no one has been willing to help me with this.
I just wanted to confirm that this account will be deleted from my credit bureaus. It seems like my last request got sent with the last 4 of my social but in my husband name. 

Thanks.
I would like TransUnion to have a copy of my identity theft report along with my ID and Social Security number and I would also like an extended fraud alert place on my credit file for the next seven years. I would like TransUnion to remove a collection account ( XXXX XXXX XXXX ) that I have included in my identity theft report that is fraud. 

Thank you for Transunion time out to look into my credit file.
XXXX  dollars of  XXXX  dollar deposit held for 10 days. Account intentionally overdrafted on the bank 's processing day. I have not used my account since Friday and I wake up and I 'm overdrafted almost 100 dollars on Tuesday which is the day they do the processing. How can I be positive all weekend through Tuesday then suddenly I 'm overdrafted 80 something dollars and no use of my account. It 's impossible. They decided arbitrarily to hold 80 % of the deposit. The first agent lied to me and said the deposit was NSF and this was why they held the funds. I conference in my dad who made the   XXXX   dollar deposit from his account and then they denied that was what was said and the check was fine. The supervisor   XXXX   kept muting her phone and laughing. After she came on she denied the deposit was NSF. I have no idea which end is up or what 's going on. Is it NSF? Or they are holding   XXXX   dollars for 10 days because I 'm overdraft. I think they are taking advantage of the fact that I just filed for bankruptcy and they feel they can do whatever they want with my money because I have no options right now, and I 'm extremely poor as well so I ca n't protect myself. How can I live on less than 100 dollars for 10 days? Who could? Nobody. I do n't know what to do. Please help me! I 'm in a complete crisis and do n't know what to do. If I would have known this was going to happen I would have only deposited the exact correct amount and asked my dad for cash. This is wrong. I 've been completely scammed and tricked and taken advantage of. These crooks have stolen my money.
My loan was purchased on XXXX XXXX, 2016 by Loancare, a XXXX, XXXX XXXX, XXXX XXXX, XXXX Loancare has not made payments from escrow collected to my local real estate taxes. My escrow balance is currently {$4700.00}. My taxes are in delenquency for {$1200.00}, which includes interest charged by the municipality. Due to inadequate staffing of their phone system resulting in an inability to contact. There is over an hour wait, and still no one answers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Loancare loan # XXXX
This is a continue of your case # XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXX Once again they pulled my credit file for all three Credit Bureaus on XXXX- they mail me a letter post marked XX/XX/XXXX mailed for there XXXX XXXX XXXX XXXX XXXX XXXX   XXXX office : and tried calling 4 more times : this letter had 8 pages all computer generated with there letterhead and cut and pasted CapitalOne invoices : I am disputing this account and letter and the content Full prejudice : there cover letter states that theses copies of doc of this account " witch establish its validity '' it dose not prove I am the person that open this account-it also has public information that was pulled from the credit Bureau which they have had Prior and after the bankruptcy that there client was listed CapitalOne : 1. the prim and only invoice with any Activity of use of the alleged CC. dose not have a print date only a due date of XX/XX/XXXX it has 12 charges let it be noted # 12 is a insurance protection charge of {$12.00} This company does not have any record of signed contact with me : possible insurance fraud by the co. # there was a payment of XXXX made I have had the same bank for 10 years no payment exist for XXXX to CapitalOne let it be know I have only open three credit Cards from the time of my Bankruptcy one was open XX/XX/XXXX and the other two XXXX and XXXX none were CapitalOne : XXXX XXXX XXXX has continued to ruin my credit as of this month my FICA went from XXXX back down to XXXX in two days it took over a year to get it back up from XXXX to XXXX they play this game to destroy people 's lives.
I have already submitted a complaint regarding Chase Bank # XXXX ( and as hard as I've tried, I can not reset my password ). I had applied for a loan modification, in which I had financially qualified for, but after 6 months of waiting and submitting ALL paperwork/documents requested, I was denied. The reason for my denial was 'not primary residence ' when I SPECIFICALLY asked that very question BEFORE I applied.

However, to top that discrimination, I have now received an huge INCREASE on my mortgage payments of {$50.00} ... .I already have a hard time paying my mtg, so why would Chase increase it? Can you help with this problem as well as my original one?

Thank you
On XXXX/XXXX/2013 wrongfully without my verbal or written authorization account with XXXX XXXX XXXX has been open under my name. 
I never received any service / benefits from XXXX XXXX Trident Asset Management reported this account as a collections without verifying this account, without providing me notice with right to dispute.
Before and during my marriage, I was added to my wife 's CHASE credit card as an authorized user. She has had the account in her name since XX/XX/XXXX while I was added on sometime between XX/XX/XXXX-XX/XX/XXXX. Since XX/XX/XXXX we have been divorced with no contact. I am unable to remove her delinquent accounts from my credit reports and am unable to find resolution through CHASE credit card company due to the fact I have no other information than our names.
I have been trying since 2011 to remove a FRAUD ALERT that I do not recall placing. To date, I have been unable to remove this FRAUD ALERT. I've called the number only to get circled around in the voice mail XXXX. Several times it says I can place a freeze but I can't remove one which is exactly what the online data said. Every time I apply for credit that uses Equifax, they aren't able to process my application but it still counts as a hard pull on my credit report. I applied for a XXXX card 2 weeks ago and they weren't able to verify my identify and my credit score decreased 11 points just due to this. I've applied for credit four times in the last 2 years that uses Equifax including XXXX, XXXX XXXX and XXXX   and no one has been able to verify my identity and yet it still lowers my credit score but they never receive a report. Again, I've tried multiple times to remove this including the online system to no avail. The online system asks me my name, address, SS no, birthdate and then proceeds to tell me that they can't find my credit file BUT it asks me if I want to PLACE a credit freeze and actually will allow me to do so BUT to remove a freeze or FRAUD ALERT, they suddenly can't find my credit file. This is ridiculous! I've been trying to remove this ALERT since 2011 when I paid a {$40.00} application fee for an apartment but they couldn't get my credit file and of course I didn't get the {$40.00} refunded to me!!!! I WOULD RATHER HAVE MY IDENTITY STOLEN BY THIEVES THAN TO KEEP DEALING WITH EQUIFAX AND THIS FREAKING FRAUD ALERT WHICH I CAN'T EVEN GET REMOVED and since I don't know who is going to pull equifax, this is killing my credit score and I'm not being approved for anything. They responded that there is no security freeze but there is a fraud alert and this needed removing ASAP!!!
I am a victim of Predatory lending. I was given a pick-a-payment loan in 2006 and Wells Fargo said that they could only help me modify if the loan was in default and advised me to stop making payments and then they would modify the loan. They said they were participating in the Help for Homeowners program. They also said because of my age and the fact that I was an unmarried single woman that women are considered a high risk. I eventually went into foreclosure because they would not work with me and now I am in Bankruptcy court. I filed a modification and had XXXX meditations. In the first mediation on their Good Faith estimate they using to try to show I did n't qualify, they had a XXXX forced place home owners insurance on the document and also the wrong amount for my salary. They told me and my attorney to submit proof of new Home owners insurance and more pay-stubs which they already had. I sent them my new Homeowners policy for XXXX and more pay-stubs the next day. In the next mediation they said they would need a letter of explanation regarding my bonuses I receive from my job and I submitted that the same day. In both mediations they said once we produce the documents and letters that my figures we were good and I would have no problems qualifying and getting approved as I qualified for it. They based my mortgage in mediation on fixed XXXX and 2 % and they said the payment would be around {$1000.00}. My attorney said I was paying that to the trustee and there would be no problem. I have never paid late to the trustee. I pay on time. Then we got a denial. 
So, I filed all over again several times and finally got approved for XXXX at 2 % fixed mortgage. I made my payments of XXXX per month and after the third payment they sent the final paperwork and the mortgage went from XXXX to XXXX Balance. The house only appraised at XXXX so I do n't know how the mortgage went to XXXX? This is nothing more than predatory lending again! How can a homeowner sign a mortgage for more that the house is worth and the figures they are using have tacked on XXXX onto the original pic a payment loan for interest! How are they getting away with this? How do they give me a predatory mortgage again? Today they were accused of racketeering for charging homeowners who were in default way over what their loans were and they settled again for XXXX XXXX dollars. Why ca n't I get a mortgage modification for a fixed price which I was quoted originally and now and they keep playing these crooked games? HAMP has now supposed changed over this long process and that is why they stalled to approve me! I want this straightened out.
On the date of XXXX/XXXX/17 I received a notice that I was being sued for unpaid Amount of {$620.00}. This company has not contacted me by phone at all before receiving documents that I am being sued. I contacted the company to request a complaint form. Also I requested to see signed documents by me that details my promise to repay the fore mentioned debt of {$620.00}. When speaking to person representing the company they couldnt provide a definitive origin of the {$620.00} debt. But they did provide a date that my signature was made promising repayment of debt. The company said they would send me a complaint form and a signed contract between me and the company fore mentioned. I do not believe that I owe an amount of {$620.00}
Synchrony Bank has rolled over a 24 month CD ( #  XXXX ) against my instructions and now wishes to fine me over {$3000.00} to retrieve my money. The CD matured just 14 days ago at which time I gave instruction by phone to transmit the funds to my linked outside account at another institution. Their web site has no provision for providing the instructions they require to prevent automatic roll over forcing it to be done verbally. I have discussed with Synchrony supervisor XXXX XXXX. He will not reverse the roll over. He says he can not find record of my phoned in instructions. XXXX XXXX confirmed that the phone number he had on file was not current. 

Synchrony Bank has developed a system to prevent customers from closing their accounts without being ripped off by fees termed " Interest Penalties ''. These penalties were allowed so as to prevent customers from obtaining improved interest returns but then changing their minds part way through the term of the CD contract. Instead they are being used to trick customers into keeping their accounts open when they are not wanted or alternatively ripping off those who close their accounts. 

I hope you can resolve this matter for me and also achieve a change that will prevent investor rip-offs of this nature. 

Best regards, XXXX XXXX
During an investigation, credit reporting agency failed to provide the validity of a debt that was reported. Thr name of the collector is  XXXX   XXXX   XXXX   XXXX   XXXX ,    2017  in the amount of {$480.00}. This is not good practice snd violates my consumer rights.
AfernoonMy nameis XXXX XXXX XXXX XXXX XXXX XXXX, florida XXXX I have filed a complaint in the website before. About the mortgage company which auction off my home without notifying me. I filled a motion at the courts for the mortgage company to address the injustice which they have done to me and many home owners. receive a letter from XXXX XXXX reference XXXX. CFPB case Number XXXX the mortgage company has not helped me now i have receive a letter from the court that ( Defendant objection to foreclosure sale and motion to stay final judgement pending appeal is hereby overuled. The Clerk of court is directed to issue the Certificate to Tile to Deutsche Bank trust company americans as trustee for XXXX Pass through Certificates XXXX on order at XXXX County, florida XX/XX/2016 is XXXX XXXX. I NeVer received any documentation to appear at court on any hearing i was not notified this was illegally done. through the lawyers, court, ( this is the address for the bank lawyers XXXX XXXX XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX ( XXXXXXXXXXXX ) Now i am in a situation school will be starting XXXX XXXX for my children and i XXXX not have a home for my family. XXXX letter states that no later than XX/XX/XXXX they would reply to me and inform of the status of assisting me they did not send me any notification of any help. XXXX letters states that our goal is to provide a response no later than XX/XX/2016. we have not received any notification from them until today XXXX XXXX we have received the Objection letter from the court ( Ordered and Adjudged ) defendant 's objection to foreclosure sale and motion to stay final judgement pending appeal is hereby OVERRULED ) the clerk of court is directed to issue the certificate to tile to deutsche bank trust company americas as trustee for XXXX pass through certificates XXXX Sincerely XXXX XXXX XXXX XXXX
The creditor Senex reported an unvalidated debt to the credit agencies. I sent them a dispute letter that included request for immediate removal of this and they responded by sending me a copy of a statement ( which for all I know could have been taken from a trashcan ), ignored sending proper validation that shows I specifically owe them, and simply reported to credit agencies that it is in dispute and it was NOT removed, which they are not allowed to do to begin with since it has never been validated. There is also a stamped note from Senex that says the account balance was adjusted to {$0.00}, how do I know the hospital did not write off as charity as they commonly do?
I will address this in a simplified format since I've complained about this same issue with the CFPB already. Chase Bank is noncompliant with sending me an electronic copy by email, or mail that contains all billing statements from beginning to end, account notices, letters, and other relevant information. I've dealt with their branches, Executive Department, Consumer Relations Department, and their collections department with no success.
MY NAME IS XXXX XXXX XXXX NUMBER WITH TDBANK XXXXI BUY A CAR XXXX XXXX IN 2009 ..THE STAMENT NO ARRIVING ON TIMEI TALK WITH REPRESENT ABOUT MY CASE ... BUT NO HAVE HELP.. IN XXXX OF THIS YEAR..THEY OUT MY CAR..I HAD THAT PAY MUCH MONEY FOR XXXX, LATE FEE AND MUCH..THE TDBANK NO HAVE THE LOAN FOR CAN SEE FOR INTERNET AN D I CANOT PAY ..IN TD BANK NOTHING BODY HELP ME..IN XXXX I WAS OK..BUT NOW THEY SAY HAVE THAT PAY XXXX. I KNOW NOT FOR WATH.. 
IN DEPARTMENT OF LOAN ONLY TALK XXXX AND MY XXXX IS NOT GOOD FOR EXPLAIN..I NEED SOLVE AND MY TITLLE OF PROPIETARYTHANK YOUXXXX XXXX XXXX XXXX
Please substantiate your claims regarding information RECOVERY ONE LLC. transmitted to credit CRAs for me, XXXX XXXX, regarding a so-called account # XXXX. Since reporting errors may be vis-a-vis that reported data, I formally request that you mail this validated information within thirty days. Additionally include documentation which shows that RECOVERY ONE LLC complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from RECOVERY ONE LLC to the credit bureaus should be deemed discrepant and may indicate RECOVERY ONE LLC desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.
I received a letter from Equifax stating that they changed my current address in their records to an address where I lived at several years ago. They provided no explanation for why my address was changed. 

I called the number in the letter, which turned out to be the credit freeze office, and they were unable to do anything about the error. They directed me to send photo copies of personal records or they would not fix their error. I asked for a phone number or other way to complain to Equifax about their system twice now requiring me to spend time and expense to fix their mistakes, and I was told there is no phone number or address for me to send my complaint. 

It's bad enough that I now have to pay to freeze and unfreeze my credit when I want to use it because of Equifax 's negligence, but it adds insult to injury when Equifax continues to misuse data in a way that negatively impacts me when I have no choice whether they have access to my information.
We were paying off a mortgage through " XXXX XXXX, '' an escrow company in XXXX, AK, when the entity to which they made payment was purchased by " Ocwen Loan Services, LLC. '' We paid the full amount of the loan through XXXX XXXX, and XXXX XXXX tried XXXX times to send " Ocwen '' the payoff amount which they refused, claiming that there were hundreds of dollars in " late fees '' accrued beyond the anticipated payoff amount. Ocwen has persisted in continuously harassing us with phone calls from off-shored " agents '' and frequent mailings. We feel that Ocwen is trying to take advantage of us as consumers by posting concocted late fees and other clerical and insubstantial fees to an astounding XXXX}. They have even gone to the ridiculous extent of charging us for insurance! Doubly ridiculous since we have insured the home ourselves ; they have no business doing so. The heinous nuisance of Ocwen 's interference in our lives is personally insulting to me, as this property is part of my pioneering grandparents ' homestead which a friend of the family had purchased and developed, then sold to us. We have held the title to the property since our final payment via XXXX XXXX, recorded on XXXX XXXX, XXXX. I find the Ocwen entity to be incorrigible and annoying in their attempts to rip off American consumers. Please do your best to stop this thieving company and clear my credit report of this DISPUTED CLAIM.
I have several inquiries on my credit report. I also have charge offs that should be removed from my credit report. I have spoken with XXXX XXXX about my score to no avail. I do n't know my credit scores from all 3 credit bureaus XXXX XXXXXXXX XXXX and XXXX. I would like for all of the credit inquiries to be removed as well as the charge offs and paid off credit.
I file a Police Report as you will see in the attachment, Because this account of Radio Shack it is included it as Identity theft/Fraud. 
I Reported it XX/XX/XXXX that I have lost/stolen the Credit Card, However they Radio Schack continue claiming that they had verified the account by checking that the Credit Card was issue in my name and the address matches their files, therefore the Account is mine, however I have continued asking myself Why Creditors just by telling the that my name and social security number and my address matches their files therefore the investigation is completed it so now I am responsible, since they have exhausted their efforts by investigating this account, I decided to investigate myself the account I wrote a letter on XXXX XXXX, XXXX ( See Attachment ) requesting documentation that the law allows me to request under the Section 609 ( e ) of the Fair Credit Reporting Act to find out or to acquired Radio Shack Investigation report and all the documents stated in my letter, they ignored me that tells me a lot in not trusting their investigations. 
On top I found today by an Alert Message I received from XXXX that Radio Shack continue reporting to the Credit Bureaus every single month, that the account is over the limit Creating a big impact on my Credit Report and Score unnecessary because in fact this account was closed when I reported it the credit card lost/stolen XX/XX/XXXX, if this account is closed why they are continue reporting this account that is over the credit limit when has been close for years, at least this what the representative told me XX/XX/XXXX but the funny thing is that they never sent me another card it remains closed. the I reported it as Identity theft the account should not be reported it to Credit Bureaus when there is an Identity Theft/fraud issue. 
This account should be Removed/Deleted for Non complying to respond to my letter dated XXXX XXXX, XXXX