WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/18 I received a letter dated XX/XX/18 detailing that WITHOUT my consent Equifax placed a fraud alert on both my credit report & email address, also forwarded unauthorized alert to both XXXX  & XXXX. Several phone calls later Equifax claims to " begin processing '' alert removal, but refused to forward removal attempts to the two other bureaus, both refusing to personally remove alerts. 
This demonstrates a willful mishandling of consumer personal information as each bureau now requires " special handling '' because they refuse to ask identifying questions to remove alerts. An audit of Equifax is required as this highlights their history of data breach & failure to accurately organize & safeguard consumer data.
I sent my XXXX check in to my Bluebird account. They have guidelines on how I can deposit which are : How do I add Checks by Mail? 

You can add funds to your Bluebird Account by sending a check in the mail to American Express ( " Check by Mail '' ). This is an easy way to add funds if you do n't have access to the Bluebird Mobile App or want to add a check greater than {$2000.00}. We accept checks of any amount in the mail as long as they meet eligibility requirements and you stay within your total annual account load and balance limit of {$100000.00}. * How do I add funds from a check to my Bluebird Account by mail? 

Make sure the check is payable to the name of the Bluebird Member as it appears on the Bluebird Card. 

Sign the back of the check. Make sure that all necessary endorsements are on the check ( e.g., a check made out jointly to you and another person must be endorsed by you and that other person ). 

Write your XXXX-digit Card number on the back of the check below your signature. 

Mail the check to : American Express, Bluebird XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I sent this check from the federal government into them via mail to the address listed which is XXXX XXXX XXXX Utah address. This was under the XXXX dollar annual limit and was a federal check so it meets all their guidelines. I got notice today that they have suspicious activity on my account. I called them up and talked to XXXX, she said that I ca n't deposit an amount that large by mobile deposit, I told her I know and thats why I sent the original federal check to their XXXX utah address. She said bluebird ca n't accept the check for that amount, last month they froze my account from my social security funds now they freeze my account for depositing a va check for backpay for 5 years, the amount of this check was {$72000.00}, I am XXXX and it is difficult for me to always get out, this bluebird account allows me to make deposits into my account easily but then they freeze my account every month while they verify everything.
On XX/XX/XXXX Prizm Rep, XXXX XXXX stated in an email that XXXX would likely, " write-off the deficiency '' for a vehicle I voluntarily surrendered. This was supposed to be a compromise and settlement to previous unethical and illegal practices I experienced by XXXX XXXX. However on XX/XX/XXXX I received a letter from XXXX XXXX, Prizm 's " Legal Collections Manager '' that stated I owe {$9100.00} to XXXX because " The proceeds from the sale of the vehicle were insufficient to satisfy your loan obligations. '' I was led to believe this issue was resolved however it was just another ploy to take advantage.
I have recently went to work for the XXXX and was asked to have HR apply for a travel card for me for overnight travel. Once HR applied, it came back rejected because it showed my SSN with an outstanding Gov. CC already for {$450.00}. I had to contact US bank who is the governments CC issuing company and could not get a straight answer from anyone at all. First, I was told it was a prior Government CC, then it was n't, then they kept asking me for my CC number and I kept telling them I never had this CC and do not have a number. I spent over 12 hours and several lost man hours on this issue. After speaking with 4 different supervisors and Mgrs including Fraud supervisors, I was finally told that this account was actually a corporate account and although it was issued with my SSN back in XX/XX/XXXX and was closed out in XX/XX/XXXX after company ( XXXX ) failed to make remaining balance on card paid down to 0 balance. Fraud explained account was too old to trace back, but yet no one was willing or able to explain how this balance shows on my SSN. It has never been reported on my credit report and they say it 's because its a corporate CC but wer not willing to write off or delete this past due or prior debt which was never mine in the 1st place. I was in the XXXX back then and have never had a CC with or for XXXX time I called, I was given a new XXXX number to speak to a supervisor or someone who could assist me, not to mention I had to start from scratch each time I made a new call or had a new supervisor on the phone. I have spoken to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and another XXXX at these numbers : XXXX/ XXXX/ XXXX/ XXXX. My government coordinator has tried to assist me as well and same answer was given to her. This was never my account and not to mention its XXXX and was closed out in XX/XX/XXXX, It is keeping me from obtaining a Government CC because US bank is who the Government uses for all of our CC 's. I really need this issue resolved and removed from my SSN so I can obtain a new CC for my work travels. 
Thank you XXXX
To whom it may concern, we are filing a dispute regarding the modification offer that was extended on XX/XX/2017. We completed an RMA package and outlined all of our expenses and income. Our gross income is {$6900.00} and our expenses are {$5900.00}. Thus places our debt to income ratio ( DTI ), is currently at XXXX % on the back end and XXXX % on the front end. 
These payments being offered are extreme and place or debt to income ratio at a severe deficit. It appears that there was no type of underwriter guidelines being followed to determine our affordability. We feel that this modification offer is predatory by nature, due to the fact that these payments are placing our debt to income ratio on the back end at XXXX %. 
None of the Shellpoint underwriting math makes any sense and it is not an acceptable payment. 
It appears also that based on the mortgage calculations and mock amortization schedule, the modification is based on {$28000.00} being paid back within a XXXX year term, which is completely unaffordable. The definition of A loan modification is a permanent restructuring of the mortgage where one or more of the terms of a borrower 's loan are changed to provide a more affordable payment. With a loan modification, the lender may agree to do one of more of the following to reduce your monthly payment : reduce the interest rate. This has clearly NOT been achieved in this case. 

Our family feels that this type of treatment is an outrage and a great way to force our family into a XXXX bankruptcy.
On XX/XX/2018, I received a letter from Penn Credit Corporation informing me that they were attempting to collect a debt from the City of XXXX for an unpaid parking citation. The letter itself provided a violation description, tag number, violation date, citation number and balance. 

Upon calling Penn Credit I was informed that there were two parking citations referred to them by XXXX XXXX. I do not ever recall receiving a parking ticket on from XXXX XXXX that went unpaid. Additionally, I never received from XXXX XXXX any notification that these tickets were unpaid and subject to be referred to debt collection. 

On XX/XX/2018, I called Penn Credit to dispute these debts. Without information regarding where the ticket was given, the reason for the ticket, and proof of a violation, I do not see this as a valid debt.

When I told the Penn Credit representative this information, she told me that a simple list of the reason for the debt sent to me was enough proof to make it a valid debt. I do not believe this is a fair practice or even a legal one for that matter.
I filed a dispute with the credit bureaus regarding the duplicate XXXX XXXX mortgage accounts on my credit report. ( The accounts showing are listed below ) XXXX XXXX XXXX XXXX : 1. Loan # 1 ( {$180000.00} ) status indicates it is part of a bankruptcy filed XX/XX/XXXX, closed XX/XX/XXXX. 
2. Loan # 2 ( no loan amount ) status indicates it was transferred, closed XX/XX/XXXX. 
3. Loan # 3 status indicates it was transferred, closed. {$33000.00} written off. Loans 1 and 2 have the same account numbers and closed dates. 

The response from the credit bureau states the account was updated, but they are still on my report.
XXXX took over our mortgage in 2013, upon doing so from XXXX XXXX they started telling us we owed monies, and we were not behind at that time we knew we were not. They threathened us with forclosuer on our home. We paid them x amount of dollars to make our loan current, XXXX had our mtg. for about 1 1/2 to 2 years. We were ordered to pay different amounts through out the term of them having our mtg, They put money that we sent them into a suspense payment account, as far as we know those monies were never put towards the payment of our loan not was the money refunded back to us. They said we had to put more money towards those payments to make a full mtg. payment. We sent them XXXX several different times and no matter how much we sent them they always said we owed them something. They would charge us late fees upon late fees, charge us for people coming to our home to make sure we lived at the property listed. I stay at home, I am here 24/7 never has anyone knocked on our door, nor has anyone walked the property to make sure we lived at the address XXXX took money from us that we could not afford to give them but we paid it to keep our home. One moth they would show us current the next month we owed serveral XXXX to tbhem because there was always somthin g they woukld come up with showing us we owed the money. We asked several times for documentation to show us what we owed but never received anything. Our lives nd our credit has been effected by XXXX and how they handled our loan. XXXX sold our loan to Seterus Inc. Seterus Inc.is a nightmare and they did us the same way. they started out telling us we owed money for back mtg payments, that our taxes had to be paid, they had to pay our insurance. We in turn did the same thing, we struggled to make our payments they say we oed but we did it. Seterus went into my personal account at one ti e and withdrew money without permission or our knowledge and overdrew our account. They said they would pay those fees the bank charged but to this date we have not received anything from them.. we are current with them at this point but now they are charging us late fees upon late fees and we are not going to pay them. we will pay our mtg payment but I will not pay fees they say we owe for being late. They threatened us with foreclosuer and as long as our mtg is paid they will not get anything else from us. I am XXXX years old and they have made my life a living XXXX. We owe XXXX and our home value is XXXX How can they be allowed to harass us on a monthly basis 's when we pay our monthly mtg payment. They need to be investigated and stopped.
Loan modification offer has been altered from the original offer. The " Principal Reduction Alternative '' clause was removed in the third modification package I received. 
HAMP affidavit has a " Rental Property Certification '' clause. it has been established that I am living in the property. 
The " Clarity Commitment '' sheet is missing in the third packageI received. 

Nationstar has been sending me package after package. that I have signed and sent back. The events are as followed. 
-On XXXX 2016 Nationstar sent the Loan Modification Package. I signed it and sent back. 
3 weeks later I inquired about it. They say that one of the papers was not signed. 
-Mortgage company sent a second set, replica of the first set. Signed and sent back. 
Did not hear from them in weeks, when inquired by phone, they say to wait for it to be " booked ''. 
-A third modification package was received on XXXX XXXX. This one is different in the following ways. 
1-In the summary page, the " Principal Reduction Alternative '' Clause that was in the original package is missing. 
2-HAMP affidavit was included this time, but it has a " Rental Property Certification '' clause, even though it has been establish that I am living in the property. Is this right? 
3- '' Clarity commitment '' sheet missing. Which I do not even know if it is necessary, but it was on the original package. 

On XXXX XXXX, email and an followed by a voice mail to my assigned loan agent. 
With these concerns. 
I do not received any answers. Few weeks later, what I got in response, was a XXXX package. Replica of the third one, urging me to sign and send back. 

XXXX XXXX, left a voice mail to my loan specialist, followed by an email on XXXX XXXX to ask him about the HAMP " rental property certification '' on the affidavit. 
And the other two issues listed above. 

Today I got a letter from Nationstar stating that they are going to look into the matter and will respond, latest XXXX XXXX. 
The issue with this is that Loan Modification Package is due by XXXX XXXX! 

This is really frustrating. It feels like I am been played around. 
Voice mail and emails addressed to my loan specialist are not been returned. 
I will attache the supporting documents to this complain.
We purchased an XXXX laptop on XXXX using our Chase Bank XXXX XXXX on XX/XX/XXXX It felt a bit flimsy with a plastic chassis underneath, but worked quite well UNTIL just before XXXX XXXX. She turned it on one evening to find rows of vertical black lines running down the left side of the screen. Because we were abroad ( XXXX ) without internet at her mom 's house, I was neither able to access my XXXX XXXX account to find out exactly when we had received the computer nor access XXXX 's website to see if we could somehow contact tech support while in XXXX XXXX. I thought we were well within the 1-year warranty period, so I decided to contact XXXX as soon as we got home on XX/XX/XXXX. 

When I checked my XXXX orders I found, sure enough, that I had purchased the laptop in XX/XX/XXXX and it was delivered XX/XX/XXXX. Just my luck, only 20 days out of warranty, I hoped XXXX would be customer-friendly and stand behind their product even though I was unable to contact them within the warranty period due to extenuating circumstances. 

I called XXXX first thing Monday morning ( XX/XX/XXXX ) and pleaded for compassion from the customer service rep ( XXXX ). He sounded somewhat sympathetic, telling me that he asked his supervisor for an exception to policy which was denied. He told me that I would have to pay {$220.00} to have the cheap screen of a {$350.00} computer repaired, a screen that had failed well within the warranty period. I told him " thanks, but no thanks '' and that XXXX had lost a customer, a customer that could have been a lifetime XXXX user had they treated me with compassion and professionalism, standing behind their faulty product because it would have been the right thing to do. 

I filed a claim with Chase XXXX 's extended warranty program : CARD BENEFIT SERVICES XXXX. XXXX XXXX, XXXX, TN XXXX XXXX on XX/XX/XXXX, but it was originally denied. After threatening to contact Chase ( which I did - they referred me back to Card Benefit Services ) and file complaints with you and others, they finally agreed to pay the claim on XX/XX/XXXX in the amount of {$180.00}, but I had to call within 48 hours to arrange payment ( I have their approval letter and a recording of the phone conversation ). They were unable to refund the amount to my debit card due to internal errors, so they said they would send a check for {$180.00} within 10 days. 

When the check did not arrive in the allotted time, I sent them emails on XX/XX/XXXX and XX/XX/XXXX, asking them to pay the claim as they had promised to do or I would file the complaints. It is nearly 2 months after the claim was approved and I have not received the check and they have ignored my emails. The claim status is noted as " Paid '' on their website where I filed the claim.
What Compliant? 
Lexis Nexis HealthCare Records What type of Problem? 
Negligent Phone Responses in gathering Data Records in a Dispute or Correct in Collecting and Selling Personal Information for the use on Credit Determination. 

What Happened? 
In XX/XX/1998, HR Managers at my Employment, ( XXXX XXXX ) Violated the Court Rules in Hiring Employees that ' are not. Entitled for Recruitment/Hire at my Place of Employment. Upon, my Forced Layoff and Number of Numerous attempts in Accidents, I was Forced to Relocate to XXXX XXXX, And then XXXX, Where ' Conditioning of Domestic XXXX and Domestic Finance made cause ' for the Continuing Conditions of aWrongful Death recognized ' by, Law Enforcement, Government Agencies, the Courts and Judges. 

What Company? 
Lexis Nexis Who is Involved? 
XXXX XXXX Lexis Nexis
In the year XX/XX/XXXX, I purchased tires from Sears XXXX. My statement came and I paid the minimum payment. At the same time a statement came for XXXX, but I do not have a XXXX. A check revealed someone opened an account in my name. XXXX was notified of the fraudulent account and they rectified the situation. A further check of my other statements revealed, sears had over a thousand dollars in purchases from playstation and another video gaming company. Sears was notified of the situation and they acknowledged the disputes were from Maryland and they would rectify the situation. Each month, I would receive a billing statement same charges higher then the last. I called each month about the charges and was referred to the fraud department and was assured by different fraud investigators that the charges would be taken off. Currently, I received a statement for the month sears customer service on XX/XX/XXXX for the company to correct the new balance. They connected me to the fraud department and spoke to a female manager ( XXXX ) who stated she does not give out last names. I attempted to explain that my new balance was wrong. She stated, " I am at fault for not notifying the sears of the fraudulent charges. '' I explained to her that I did notify sears, that 's the reason why sears credited the fraudulent charges. I further asked her to go back to when I purchased the tires, so I would know what amount is left. She stated she can not go back that far to look up the information. I advised her I would like to put a billing dispute which is a different department, she stated it will not go through cause it has to go through my department. I, eventually ended the call and felt like I was victimized a XXXX time. XXXX from someone using my information and now from sears.
Companies Continued coercing me into FORBEARANCE. Companies names XXXX XXXX subsidized and unsubsidize, FFEL Stanford, and Navient.
With a balance of approximately {$42.00}, I attempted to make a gasoline purchase at the pump. When I entered my zip code, the sale was rejected. The balance on the card is now {$0.00}, and the card issuer says it can take up to 14 days to restore the balance to the card.
On XXXX/XXXX/XX/XX/XXXX & XX/XX/XXXX XXXX ( XXXX XXXX XXXX made an inquiry of my credit file with Transunion without my concent
1.We obtained a loan modification under the MHAA. We had continued to make every mortgage payment due. Our mortgage was purchased by Nationstar, XXXX, TX. 2. We filed for bankruptcy in XX/XX/XXXX and it was discharged in XX/XX/XXXX. We continued to make our payments and were credited {$1000.00} principal payments for three years as a loan modification payment incentive. 3.In early XX/XX/XXXX, we were informed our payment would increase and I contacted Nationstar to discuss a refinance. I was told our mortgage was in default and had been since XX/XX/XXXX. 4. I learned our payment amount had increased in XX/XX/XXXX but WE HAD NOT BEEN NOTIFIED OF THE INCREASE ( even though our bankruptcy had been discharged and we received other correspondence from Nationstar at our address of 27 years ). Because I did not pay the new payment amount, Nationstar claims we had " missed '' the XX/XX/XXXX payment and had been delinquent every month since then. Also, WE RECEIVED NO NOTICE THAT OUR PAYMENTS WERE DELINQUENT. 5. This caused us to be denied our incentive of two years ' {$1000.00} principal reduction payments and caused our payment history to appear atrocious. 6. I requested the company age the payments current, notify the credit reporting agencies and apply two {$1000.00} principal reductions. Nationstar acknowledged they had not notified us of the increase but denied responsibility for the resulting payment shortages which they classified as delinquencies and they refused to remedy the damage.
I sent a LEGAL Notarized affidavit to Equifax, disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For Equifax, to Provide physical verification of the original signed consumer contract. I demanded from Equifax, to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt. UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal.
In one section of my credit report they have my name and address wrong. I've never spelled my name like it shows in the report and I've never lived at one of the addresses it shows either. They also have some of the companies & the dollar amounts listed 3 and 4 times ... ... .. That's ridiculous!!!! All that does is make my credit look worse than what it actually is!!!!!

There's also some companies still listed on my report that I have already filed bankruptcy on 7 or 8 years ago and some 10 years ago that are still on there and they shouldn't be!!!!!! It doesn't matter if a person tries to do the right thing or not because the government is going to do what it wants too anyway  regardless if they hurt that person 's feeling or mess up their life to where they are not able to buy anything or if that person tries to safe face from getting embarrassing phone calls or being told they are going to get sued!!!! You know things do happen in life that we can't control, like getting hurt in an accident to work you're not able to work or pay your bills ... ... Or your child is diagnosed with XXXX and you have to be the one to take care of them ... ... but you see the creditors or banks or government or whomever ; they don't care what you're going through, they just want your money. What really gets me is ... ... the creditors are stupid enough to tell you to borrow the money from whomever you have to pay your bills. ... .... all that does is make things worse!!!!!!!! Needless to say I have been working on trying to get my credit scores up for the past 4 or  5 months. It has come up several points!!!