WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
On XX/XX/17 I got a call from the collection agency at work. I had already told them not to call me at work to call my cellphone. I called XXXX back on my break. I explained that I was trying to get my financial situation stable that if I could give a payment in XXXX that tax season was already in XXXX and that I would be able to give a payment by then. She transferred me to her Supervisor. I explained myself to him and he proceeded to intimidate and threaten me stating if I didnt give him some kind of payment that day that he would put down that I refuse to pay this debt and make sure a suit was filed. At no moment did I say I would not pay this I know I owe this money but I went thru a hardship almost lost my house and fell behind with other debts. He said if I can pay my car note then I can give him a payment that day. He again said he would make write down that I refuse payment cause if I can pay my house and car then I can pay him. At that point I hung up the phone.
I applied for assistance in saving my home. My servier Fay approved me however the offer they made was about {$500.00} more than my old mortgage payment. I hired an attorney to help me with the process and they submitted an appeal to my approval by mail to the address given on the approval letter. Upon following up with Fay Servicing they now state they did not get the appeal in the 30 day period. They also said it was mailed to the wrong address. My attorney has record it was mailed to the correct address. Also, it 's impossible to have mailed it to the wrong address as all the addresses on the approval letter are the same : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX - attn : appeals. It appears that it is more possible that Fay just sat on my appeal letter until after the appeal period had expired. The appeal was sent in writing and post marked before the deadline. It was received within the appeal period. Fay only accepts appeals by mail to avoid/evade having to review an appeal. I do n't believe their claim it was not received in the time period. I also do n't believe even if it had been a day or two late, that is n't a reason to just deny someone without looking at the situation. Fay Servicing investor bought this loan from XXXX. Their servicing contract according to my attorney came with strings that they could n't just take the home from the home owner without first trying to work something out. Fay is n't following that agreement. They offer a payment that is almost 50 % higher than my old payment, evade my appeal and now are now trying to foreclose my house.
I reported that my card was lost or stolen. Bank issued me a new card and provided refund of disputed charges. A few days later they reposted the charge in an amount of {$400.00} plus I paid over limit fees which were never refunded even though I never made those transactions.
I have asked Equifax to remove and block, as XXXX and XXXX have done several fraudulent accounts that the creditors themselves have asked removed. This includes, XXXX, XXXX Bank XXXX, XXXX, XXXX XXXX, and I also asked to be removed as an authorized user from any and all accounts, I am not responsible for any such amounts owed or for the status. I also have nearly XXXX inquiries. Equifax responded to my VALID Police Report, with an attached WARRANT FOR ARREST of the individual who did this, along with the FTC ID Theft complaint and the Privacy Clearinghouse report. I also contacted the XXXX Oklahoma who said I have a right to file state action against Equifax. I followed all proper procedure regarding the Blocking of fraud under sworn penalty of perjury to officer XXXX XXXX of XXXX XXXX XXXX office who signed and verified each account. I have given them more then enough and what really irks me is that XXXX, XXXX XXXX, XXXX and XXXX all requested that the accounts be removed. This is why XXXX and XXXX removed said accounts. I have supplied Equifax on XXXX XXXX the same information and police reports along with other relevant facts and statements from the creditors. They responded with " We will not block any of the information '' without explaining the reasoning for this? How can XXXX reporting agencies do the obvious and Equifax feel it is exempt from such requirement. Additionally as the XXXX OK explained Equifax has refused to place a security freeze on my account for free as required when the individual states ID Theft and has supplied the police report and FTC form. Both which i HAVE DONE 4 times. As requested prior on regards to the FOIA request caught on Equifax not complying with the Fair and Accurate Credit Transaction Act blocking procedure, I will be forced as will an attorney from XXXX to get such FOIA documents. I believe Equifax has caused harm against a class of individuals such as myself. I am in the process of retaining a lawyer if this is not dealt with. The antithetical part is that it arbitrarily decided to initiate a dispute against all my positive accounts i never disputed and are legitimately mine. Not the Fraudulent ones, this makes absolutely no logical sense. This seems almost retaliatory and capricious in nature.
These XXXX keep calling from RANDOM phone numbers constantly. Sometimes it seems like different area codes as well. I think we have XXXX or XXXX different phone numbers for them so far. This is after we started keeping track. There have been dozens of hang up calls and calls from outside our area code with no messages left. 

I KEEP telling them they are NOT calling an individual but to the BUSINESS phone of a NON PROFIT ORGANIZATION. 
It appears they are to stupid to comprehend that simple English statement. 

They never state who they are, or the name of the person calling. If they do not hear a person answer they hang up and Voice mail messages from their numbers end up as " dead air '' and fill up our voice mail system sometimes preventing other legitimate callers from leaving messages. 

In an attempt to get more details of who THEY are, whenever i say that i am the person they are calling for, they tell me they are trying to collect a debt from a credit card, or other bill. The story seems to change each time. the dollar amount seems to change each time. 
I have not owned a credit card in possibly 10 years. Last vehicle was paid off about 10 years ago. 

With all of the internet scams out there, maybe these jokers are just professional scam artists? Hard to think otherwise knowing i have no credit cards or debt in 10 years. 

Any future contacts from them to us will be met with the most harsh and hostile reception possible.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX The above companies are reporting an account which they claim is mine but when asked for verification and validation of debt they did not provided me with validation of debt. A validation letter was sent to them on XX/XX/17 and no answer was received. Instead they renewed the reporting of the debt on my credit report with a recent date. I also sent verification to the credit bureaus XXXX, XXXX  and XXXX on XX/XX/17 but they only verified the account. I seek protection under the fair credit reporting act that this account be immediately removed from my records since the company above is in violation of such act. They also did not reply to my validation letter ignoring several attempts by me for them to send documents with signatures and proof of debt. 

Please investigate this account and have this company immediately remove their reporting immediately from my records. 

Thanks, XXXX XXXX
ON XX/XX/2015 I RESPONDED TO AN OFFER AT XXXX THAT SAID APPLY FOR THEIR CREDIT CARD AND SUBMIT AN ORDER TOTALLING XXXX AT THE SAME TIME AND RECEIVE A XXXX CREDIT ON A FUTURE XXXX BANK IN QUESTION WAS SYNCHRONY BANK AND THE CREDIT CARD WAS A MASTER CARD.AT THE SAME TIME AS THE CC APPLICATION WAS SUBMITTED AN ORDER, NO:XXXX WAS PLACED WITH WALMART.COM TOTALLING XXXX ORDER WAS PAID FOR BY AX SINCE I DID NOT HAVE THE NEW WALMART MASTERCARD WHICH ARRIVED ON XX/XX/2015.IN ADDITION TO THE ABOVE ORDER I HAVE PLACED XXXX ADDITIONAL ORDERS TO DATE USING THE XXXX CREDIT CARD. TO DATE I HAVE NOT RECEIVED THE CREDIT OF XXXX. AFTER XXXX PHONE CALLS TO CUSTOMER SERVICE OF THE BANK AND WALMART AND BEING TOLD THAT IT WILL BE COMING THERE IS STILL NO CREDIT.
Received one missed call with a voice mail from dynamic recovery solutions and then received a document in the mail claiming I owe them. I monitor my credit report and do not see the account in mention listed
To Who m It May Concern : I have disputed my credit report due to incorrect information. After that happened, I been not able to get my credit report to me. They have made it harder for me to request one.  Before, this never happened to me. Also, my name, telephone and address are incorrect. I have disputed that before and they completely ignore it. That is what is happening to me and I am getting   XXXX   XXXX   of it. Therefore, I need the CFPB to help me and be ON MY SIDE!!!
Ditech and Green tree serviving has filed to put my home in foreclosure without offering me HARP or any modification even though the loan was serviced before 2009. Also claimed to put home in default because of exhusbands non answer to petition even though they said they removed his name from loan even though i sent in my response.
This debt was paid through XXXX XXXX XXXX in full in 2013. Some how with the large load the medical centers have with all their patients my accounts was turned over to Suburban Collection Agency. I contacted the hospital concerning this debt and they stated this account was paid in full and they will contacted the collection agency to have this item removed from my XXXX credit report.
Navient has claimed to accrue Capitalized Interest  more than once in    2013   (  {$1700.00}  ) ;  however, the principal of my account continues to increase. Their practices have only increased my monthly payment and have made it nearly impossible to pay off the student loans.     My account summary states that no recent interest has been capitalized and the account remains in good standing, but the principal of the remaining outstanding balance is nearly the same {$23000.00}.     The current amount due has increased at least twice over the life of the loan, yet the balance remains the same. I was forcibly recommended to admit forbearance in  2013  and only wish that this company stop harassing me to continue along this path, making it impossible to pay back the remaining balance.
In 2014 my doctor requested that I receive a screening from a company called XXXX XXXX XXXX ( XXXX ) The marketing material provided there would be no cost to me as the patient if my insurance company did not pay the bill. Subsequently, XXXX was found in violation of the Fair Claims Act by attempting to defraud insurance companies and Medicare, and by providing kick-backs to prescribing doctors.They were forced to pay millions in fines and were forced into bankruptcy. 
A week ago I was contacted by XXXX XXXX, a representative of Monterey Financial Services, XXXX XXXX XXXX, XXXX, CA XXXX demanding repayment of charges amounting to {$3700.00}. I have disputed the claim, but fear the company will continue to harass me concerning this. In addition, they are certainly going after many others. I believe this is a clear violation of several laws, including the Fair Debt Collection Act, and would appreciate any assistance you might be able to provide.
The  Loan i applied for has not been approved so i need the approvement to facilitate the loan acquired for. I applied for the Loan o n the  XXXX / XXXX /   2017  and the loan amount is {$5000.00}
I have been receiving the following email for several months about XXXX a week from Regions Bank. 
I Do Not Have an Account or have I ever had an Account with Regions Bank. I have emailed them numerous times and called numerous times and still I am being Harassed by them. 
Copy of email : Regions Bank XXXX XXXX ; XXXXXXXXXXXX XXXX XXXX XXXX at XXXX XXXX To XXXXXXXXXXXX This message contains blocked images. 
Show Images Change this setting Message body Important Account Notice Available For Review Regions Bank logo divider Account Ending in XXXX This email has been sent to notify you of an overdraft on your account. To view the detailed notice, please visit our website and log in to Regions Online Banking. Select the account ending in the last XXXX digits provided above and click on the link for the overdraft located in the transaction history. 
Because we value your time, we are emailing this information to ensure you are notified as soon as possible. 
Regions marketing ad These notices are provided as a feature of your Online Statements enrollment. If you would not like to receive these notifications, you may unenroll for Online Statements. This will result in your monthly statement and any future overdraft notice being mailed to the address on file for your account. 
Do n't forget to keep your email address current. If you would like to change the email address to which this notification is sent, please select " Edit '' under the desired account on the Online Statements page. 
Should you need help with your online banking service, please call us at XXXX XXXX XXXX XXXX. 
Sincerely, Regions Online Banking divider Service email This is a service email from Regions Bank. Please note that you may receive service emails periodically, whether or not you have elected to receive promotional emails. 
Contacting Us Please do not reply to this email. If you have a question about your account, please log in to Regions Online Banking and send a secure message. Or, you may call us at XXXXREGIONS XXXX. 
Privacy and Security Regions values your privacy and security. To read our privacy and security policies please visit our website. 
Regions Bank XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX 2016 Regions Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX | XXXXREGIONS
This group has been calling for about a year. The name recently left on voicemail is CBE Group, Ph : XXXX, www.CBEGroup.com. They do not disclose the nature of the alleged debt, nor the alleged creditor name, even when asked. Usually they leave a voicemail, but on a recent call, I took it and asked what it is about, at which time they said they do not disclose that information. They asked for me to confirm my name and address, and asked for my SS #. When I asked again for creditor identifying information the man said ( in a very threatening voice ), " I do n't play games, sir. '' At that point I said that I do n't play games either, and hung up. Their most recent call was from a female. I called the phone # she left, and after a long pause, the electronic voice said they could not put me in touch with a representative, and for me to call back later ( yesterday ). I went online to the site they said I should and filled out contact information to access them and got rerouted several times, so I gave up and today I called the FBI and your office. I believe I do not owe an outstanding debt, but just in case, I called several creditors to see if I missed something. I was told that they did not send my account to any debt collector. At no point, have I received a letter, dun notice or other documentation. Please help me resolve this. I will also call my state Atty General and the do not call registry again. As an aside, after I went to their ( CBE 's ) online site, I immediately got a call from a tech specialist who said I had asked for tech assistance for my computer. When he realized I had not, he told me to be careful about inputting my name and contact information online.
Freedom Mortgage will not update my account to reflect that XX/XX/XXXX payment has been made and to reflect my next payment is XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage account # XXXX DOB XX/XX/XXXX SS # XXXX
The XXXX credit card was offered to me and I said no I just want the XXXX card. I was sent the XXXX card instead even though I was assured that I was getting simply the XXXX card. After using the card for a couple months, I purchased some text books at XXXX University's Bookstore. The charge never appeared on my statement for 2 months and I received XX/XX/2012 and XX/XX/2012 statements with zero balances. Then, on XX/XX/2012 statement XXXX charged me a late fee and finance charges for the purchase made back in XX/XX/2012. I told them I had XXXX statements XXXX with a XXXX balance and they said sorry. I was so upset I paid off the charges and closed my account. I initiated a dispute with www.annualcreditreport.com for these incorrect penalties and how it negatively impacted my credit reports and significantly lowered my credit scores but they have not finalized a response. They sent me a email stating they were investigating the situation.
I was also forced into forebearance, not offered alternatives and have been paying loans for 10 years with no tangible result. High interest rates, capitalized interest, and mucky repayment structures dont allow a borrower to understand their debt and optionns.
I 'm filing this complaint in regards to The stop, cease, desist and withdraw notice sent to Discover Bank and their attorney XXXX XXXX XXXX, XXXX who are located in XXXX Az Referencing Superior Court Case # XXXX in and for the Country of XXXX AZ Where-which the plaintiffs council has been notified of the fact that the defendant is in a financially Un-colletable state and no funds or assets are available to/for payment or lean. Discover Banks counsel has been notified via said letter dated XXXX/XXXX/2016 sent via Fax on XXXX/XXXX/2016 From defendant XXXX XXXX to ( XXXX ) XXXX XXXX XXXX to fax # XXXX. 
The un-collectable status of the defendant proves that any monies or time spent attempting to collecting these funds will be wasted for both the plaintiff and defendant and yet the plaintiffs attorney continues to waste time and funding on per-suing this matter.
My issue was hard to define with the previous questions you asked. 

I have a credit card TJX Rewards/XXXX, previous credit line of {$5000.00}. After much usage previously but no immediate need over the last 12 months, they reduced the line from {$5000.00} to {$1000.00} without any previous call or notification to discuss their concerns and as a result forces me to either use their card or deal with the decrease in my credit score. Pure blackmail by requiring me to use their card and now ... considering what I have historically spent in their stores, damage my credit further by having an unhealthy percentage of credit usage on my card. 
They know exactly what they are doing. While my income and credit score has increased since originally securing this card, they have never dropped my interest rate. They claim they are simply following a process and in fact they probably are. A process created by scheming accountants and executives finding creative ways to pressure usage just like the cigarette companies prompted addiction to nicotine. 
I am a XXXX XXXX overwhelmed by regulation. How do you let these companies get away with this?
XXXX XXXX has reported a {$2500.00} account in collection on my Experian credit report. I have repeatedly requested proof of this debt from XXXX XXXX as well as Experian for over the last 4 years, and have received nothing in all this time. They even tried to sue me in court in 2014, but I hired a lawyer and XXXX XXXX promptly dismissed the case without ever providing requested proof. I question the ownership of the account as I don't know why they say I owe them this money, as well as the validity of the amount, the company trying to collect that debt, and their right to do so. My issue is that each of these disputes to the credit reporting agency Experian have come back with the statement that the information I disputed has been verified as accurate. The credit bureaus simply ask and the reporting creditor says yes, that is it! They've already reported it on my credit report, of course they're not going to say, oops, its a mistake! There is no proof required, anywhere, ever! In the meantime ( 7 years! ) my ability to purchase a home is negatively impacted, my insurance rates are negatively impacted, my interest rates on any loan are negatively impacted. The fact that any creditor can keep collection information on individual credit reports without providing any proof whatsoever is a serious injustice to American consumers.
I am writing describing Kohn Law Firm, SC in XXXX, WI. 
I am a single parent ( with a degree mind you ) ... on state assistance for my son and myself. Due to the economy and low wages, I have to work XXXX part-time jobs and gone from my family 14 hours per day, I am still in the poverty line and receive state insurance and up until a month or two ago, food stamps. 
After repeated harassing calls ( leaving me crying with their rude put-downs ), I asked if they would settle with me and if I could make affordable payments. They firmly let me know that it is too late for that. I also asked if they would please give detailed charges of the actual bill as that I am not sure that I owe that amount. They said that it is too late for that! They were rude and had me crying on the phone several times until I mentioned the Fair Debt Collection Act. 
I filed and faxed Kohn Law Firm 's exemption form garnishment form. ( I talked on the phone to them about receiving this form as they kept it from my knowledge though another debt collector offered it, and exempted me from garnishment ). 
After explaining this, Kohn Law Firm finally agreed and mailed me the garnishment exemption form.I filled it out, faxed in my state assistance proof to Kohn Law Firm and gave a copy to my employer as well. This legally should have released or exempted me from garnishment. However, Kohn Law Firm proceeded to garnish my wages anyway. This is illegal as I am on state assistance. 
Working XXXX part-time jobs as a single parent, I am unable to now provide enough income to support my family. I looked into the history of Kohn Law firm and their illegal practices. They have repeatedly violated the Fair Debt Collection Act. Please help meas I have to borrow money from XXXX just to feed my children.