WillisBack/dataset-financial-user-claim huggingface dataset:
We were denied 9 times through an attorney to obtain HARP assistance and finally had to submit to a 40 year re-finance through Wells Fargo at 6.875 % interest or they threatened to foreclosure on our home. For 10 years we made our payments on time and never late. I am XXXX years old and my husband is XXXX years old and we will never be able to pay off our home now. My husband retired 5 years ago after almost 40 years of XXXX XXXX. Wells Fargo added missed payments to the existing balance of our loan which was incorrect. Therefore, our previous balance went from {$130000.00} to {$170000.00}. The refinance was unethical and we think the loan is a predatory loan. We would like to get some help as our {$1500.00} monthly payment to Wells Fargo is all interest save {$55.00}. Disgraceful!!!! Please help.
this account does not belong to me, i have never been at this hospital, this company has harm my credit report, and score for false information about me.
Cash Central customer service is claiming they did not receive supporting evidence of my ID theft and claim all their account information and credit reporting is accurate.

On

XX/XX/XXXX I spoke with a collector for the company and explained I was not the person involved that the debt was not mine. On XX/XX/XXXX I f
axed Cash Central a police report, and Identity theft report from Identity theft.gov. I received a confirmation of the fax.

The only action Cash central has taken has been in regards to the dispute I initiated online with XXXX.
I recently had an old debt roughly 10 years old reappear on my credit report. The request for payment is not from the original debtors. I started a dispute with all 3 major credit bureaus and only equifex deleted it. The debt was on my credit report years ago and was deleted once the ( I believe ) 7 year period had passed. I dont understand how it can be put back on my report. I received a letter dated XXXX XXXX 2018 from a lawyers office asking for {$770.00} and a response within 30 days. I believe this debt has been reaged. The collection company who recently put this information on my report is XXXX XXXX XXXX XXXX XXXX ( assignee ). The original debtor is XXXX XXXX. The law office whos asking for the payment is Berndt & associates, P.C XXXX the address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, mi XXXX.
I have been going through financial hardship and was placed on a hardship payment program with this loan company. I call them periodically to let them know where I am but have not been able to make a payment for quite some time, working on alternative solutions at this time. Last month they call my ex-husband, not sure where they got his number, looking for me. I called them and told them they were not to call him again and not to call anyone else except me. They called him again this month and are violating my privacy rights in doing so. Unfortunately I ca n't pay what I do n't have even if I would like to but trying to do something soon. They have not reached out to me in writing, should n't that be an alternative rather than violating my privacy?
I have signed up for a service through  XXXX  that basically is pay day in advance service. My bank does not update my current bank account t balance in a timely manner. As of right now, even though the  XXXX  dollars owed to  XXXX  have already been debited, Activehours do n't get timely updates about me getting paid and my current balance ... which is hendering me and my services.
I have purchased several buy here pay here cars. During the time that I was making payments in a timely manner this was not being report to the bur bureaus, I had XXXX cars repoed due to mechanical issues, I could not afford to make payments, insurance and repairs. when my car was repoed it was immediatley reported to the bureas as bad credit. My questioions is why snt the bureaus was the bureaues notified of my timely payments. This is very poory business pratice is this legal? 
I want a seetle for the hardship of incorrect reporting to the XXXX bureaus.
My loans were supposed to be placed in a deferment status while trying to attend school and they ended going into a delinquent status causing negative damage to my credit score.
I purchased an appliance from Best Buy and used their offer of charging the purchase on my Citibank Best Buy credit card which offered no interest for 18 months. I waited for my bill to arrive and had budgeted the money to pay the bill. No bill arrived when expected, so I thought that it was simply delayed in the bureaucratic pipeline. I contacted them after realizing that it had been much longer than reasonable to receive the bill. They charged that I had requested a paperless billing and that the bills had been sent. I may have made the request, but I had received no bills, paperless or otherwise, and no phone calls either. I initiated the contact and discovered that my {$680.00} purchase was now a {$740.00} charge due to late fees. I XXXX, so I am confident that if any emails had been sent, even if they arrived in my spam folder, that I would have gotten them. I believe that it is possible that the creditor is making a practice of not supplying the proper statements to the consumer on time so that they can collect fees in lieu of the promised interest-free charge. I believe that there is an element of fraud in this practice. Any creditor would notify a consumer by phone if they were not receiving payment for a period of two months! I had no phone calls from Citi Best Buy MasterCard concerning any matter, least of all an account that is 2 months in arrears! I might have gone on accumulating late fees if my wife had not asked me about the account. I went online and registered the card account and found what they were charging me and of their claim about paperless statements being sent. The person with whom I communicated, XXXX XXXX, said that she could not ( or would not! ) deduct the late fees until I paid the bill : and she would only credit half the fees, not all of them. I paid the account in full that very day, including the disputed fees and requested the account be closed. My credit history is a tribute to my ability to pay ALL my bills on time. It seems to me that a creditor 's ability to collect late fees on an interest-free credit agreement is a great impetus to make sure the consumer does not receive the billings on time. How long would they have waited to contact be because the account had gone unpaid? As it is, I paid an extra {$62.00} for the interest-free purchase. Maybe that is a small price to pay to learn about the credit practices of this company. How many others have been, and will be, defrauded by this practice?
On XX/XX/XXXX I went to the American Express website and saw the Gold Delta Skymiles card. Along with it was a sign up bonus offer. The offer stated that if you spend {$2000.00} within the first 90 days you would receive XXXX bonus Delta Skymiles. Then if you spend an additional {$1000.00} after that within the first 90 days you would receive and additional XXXX bonus miles - totaling to XXXX bonus miles. I immediately called in to apply for the card over the phone and verified that this offer was still valid. I was told yes it was and if I got approved I would receive it as long as I meet the spending criteria. I was initially declined for approval and then asked for reconsideration. The application was approved on XX/XX/XXXX. Within the first 30 days I had already met the {$2000.00} of spending. And now I have met the additional {$1000.00} spending also. On XX/XX/XXXX I received a bonus of XXXX miles instead and immediately called into to American Express to let them know this was the wrong amount. They opened up a case investigation for me and gave me a Case Number of XXXX. They stated that bun XX/XX/XXXX the case would have a decision. I called in today ( XX/XX/XXXX ) and was told they still dont have a decision.
On XX/XX/XXXX Asset Recovery called my work phone about collection. When I explained that it was my work number and that personal phone calls will get me fired he kept trying to continue the conversation.
XXXX XXXX continues to report inaccurate information on my credit report with XXXX, Experian and XXXX without sending in proper documentation as proof that the account is in fact my debt. This is a direct violation of section 609 and 611 of the Fair Credit Reporting Act. The credit bureaus fail to protect me as a consumer and do not follow the proper guidelines in place to verify debts on consumers credit file.
A credit card with SYNCBJC PENNEY XXXX was opened fraudulently using my personal information.
My credit card expires this month. I have been paying my payments on time and have been with the company several years. I have one other credit card in which I am current. On XX/XX/2018, citi card sent me a message stating that once my card expires they will not be sending me another one because I filed bankruptcy and/ or a charge-off on another credit card account issued by Citi . I do not have any other credit cards and have not had any other ones besides the one listed since they reissued my card in a year or two ago. I think this is a discriminatory tactic against minorities.
I have two loans through Navient ; the direct parent plus and the parent plus loan. The interest rates on each loan are 7.9 % and 8.5 %. THIS IS ASTRONOMICAL. I, as the student, and the payer of these loans have called multiple times trying to figure out a way to reduce the interest amount, which I will say again, IS ASTRONOMICAL, to no avail. I apparently ca n't do anything on this loan since my mom is the cosigner. So, my mom has also called many times trying to figure out a way to reduce the interest rate ... yet again to no avail. The loans entered repayment in 2008. These are 2 of 10 loans that I have. I pay over 1000 $ a  month in student loan payments. I have a career as a nurse and have to live paycheck to paycheck because I am so shackled by payments, with insane interest rates, such as these. Both my mother and I have been told " interest rates are set by congress '', which is why this ca n't be changed.
I purchased ( financed ) a water filtration system through Time Investment Company , Inc. for our home. There was various issues and I disputed the debt. I ended up filing a lawsuit against Time Investment Company , Inc. and XXXX XXXX XXXX which was sent to arbitration ( still pending ). I was being harassed by Time Investment Company, Inc with their non-stop phone calls and emails. I eventually sent them a seize and desist order to cease all communication certified return receipt and it was received and signed by XXXX XXXX on XX/XX/18. They violated my seize and desist order, this is a violation of my rights under Section 806 of the Harassment Act and Section 805 of The Privacy Act of the Fair Debt and Collection Practices Act ( federal statutes ). Please look into this further.
Transunion has not been reporting information sent to them from my credit agencies, XXXX XXXX which on my report is XXXX XXXX XXXX XXXX also known as XXXX XXXX is being reported to.the other two bureaus XXXX and XXXX as of XX/XX/2018, Everytime there is information sent to the bureaus transunion time and time again does not and is not reporting information being sent to them
My SS check gets direct deposited. I then pay my bills. I sent out 2 draft checks from my account, one was properly handed, the other was not. Then I noticed an amount that had been debited was credited back and redebited. The check in question presented after I had thought my account was in a positive balance and after I paid another bill leaving my account overdrawn. I was socked with 3 XXXX fees for the check. When I called about it, the bank employee cou ; dont get his story right regarding draft checks and personal checks. He refused to do anything about the overdraft status. I literally have zero money now to purchase food or go to the doctor. And that is because of this. I have documentation.
Over two months ago, I asked Equifax to investigate errors on my credit report. They are supposed to respond within 30 days, but have yet to respond.
There is a XXXX charge account on my credit file that is not mine. I have never shopped or even been inside a XXXX store. I have never opened or used a XXXX account. I have never even heard of them until this appeared on my credit. For a very long time now, I have tried to get this account removed. Experian sent a letter stating that the creditor states its valid. Just like that and its true. Its not true. I mailed a notarized signed affidavit, copy of my license and social security card, and a copy of a police report to XXXX and still they will not remove this account. I have not other accounts in dispute so I dont even believe its fraud. I think XXXX is at fault here. If it is fraud, then I suggest they find out who did this and pursue them. Its funny I have no other accounts that are not mine on my credit. XXXX will not respond to any corresondence at this time. I want it removed from all credit bureaus.
Dear Sir or Madam On XX/XX/XXXX i went in trip to visit my sick mom in XXXX, and during my visit i tried to check my account from there, no order placed to buy or to sell, just checking the balance, So Coinbase identified my IP address and froze my account since american companies prohibited to do business with XXXX. I submitted all documents Coinbase requested, proof my US citizenship and my US residency, so i provided it all, and after many many contact with Coinbase, I still can't access my account after more than 80 days .and no clear response for them other than they are short with staff, i have to be patient or someone will get back to me, which is a sounds like a joke. Please help me to resolve the problem. 

Best regards
I sent out several dispute leeter stating to remove incorrect items the are reporting on my credit reports if u cant show me original documents stating the debt is mine or show me proof of what u verified.
I have an open account with HSBC Bank, which was closed paid in full in XX/XX/XXXX. The account is showing as still active as of XX/XX/XXXX. The account status shows closed - transfer/sold with a balance of XXXX. This account is past the 7 year date and should be removed from my credit report.
I believe that my personal info has been compromised and used to obtain credit cards and loans of such sort I was advised to submit these forms in order to get these issues resolved
Applied for financing at Toyota for a lease buyout on existing lease for a Toyota Camry or new lease. My 3 year lease is ending in XXXX 2016. I am currently XXXX miles over mileage allowance. I have paid monthly on my lease for 2 1/2 years although some were just past grace period. Toyota XXXX the amount of my lease due to location of vehicle and ended up refunding me over payments, however even though I have been reliable with payments, they are denying me a buyout plan, due to other delinquencies. My rental property was severely damaged in hurricane sandy and I did fall behind with a few payments for creditors that did not offer me payment plans, however I am turning the corner financially and most creditors are on time. Prior to that storm I had XXXX years of solid credit history. I was denied in a letter dtd XXXX/XXXX/2016 application submitted by XXXX application XXXX.
XXXX XXXX reports my loan in default but in fact it is current with XXXX. I have disputed this several times..
Responded to XXXX XXXX XXXX mail offer that if I pay a certain amount for a collections account, then theyll have the account be considered settled in full with the three credit reporting agencies, however, they did not meet their end of the agreement and the account shows on my credit reports as settled for less than the full amount not settled in full as promised. I will not speak to any of their rude employees who proceeded to harass me to pay more money even though the account should already be closed.
Fraudulent FHA application indicating that I did not bring any money to the closing and if I did, was it borrowed? 

Note : FHA insures reverse mortgages for one-to-four family units under the various provisons of section 255 of the National Housing Act ( Title 12, United States Code, Section 1715z-20 et.seq ).
I purchased a XXXX XXXX XXXX 2013 from XXXX XXXX dealership in XXXX ga little did I know they changed the agreement i.e. Or capital one because in the agreement it read 25 % interest as I was paying on time payments if XXXX a month I received a call about verifying my down payment and trade yes I gave them a trade a XXXX older model worth XXXX or more the XXXX was XXXX after there fees it went up XXXX or less paid it down to XXXX told them to pick it up the recalls on it got worse wind shield and sensor problems with engine light not going off ca n't get inspections!! It was a volunteer repo not a repossessed they got it listed as such incorrectly on my credit file and refuse to fix that part as well nor refinance or reduce the interest rate before I volunteered said come get it
in  XXXX     2017, I fille d a report with this company with the FTC, about a collection about the amount for  XXXX , for concept for the bill due for payment.   We did the report with the FTC and I sent the police report I did in date  X/XX/2017   .   The report was closed about the explanation and the paper than support this case, but the company ACS reopen the case in the bureau affecting my credit, for the same case resolved some month ago.
I attended  XXXX   XXXX  from  XXXX   XXXX  until the  XXXX  of  XXXX . During this time I took out private student loans from the lender  XXXX   XXXX   ( this is now Navient ). I took out a significant amount of money over these years. I really did n't understand the process of paying it back  and I thought they would work with me based on my income. I have done multiple forbearances over the years and it seems they are also charging me additional fees. They told me I know longer qualify for any programs and they are requesting a payment beyond my means. They are threatening to put a lean on my parents home. My father is on a fixed income, as he was when these loans were taken out. My credit is destroyed and I do not know what to do. Please help me.   Thank you,  XXXX   XXXX
I applied for a Saks Capitol one employee card on XX/XX/XXXX. I was then emailed about needing more income for the card. I was unaware that i needed higher income than XXXX  to receive a {$100.00} employee card. I decided i no longer needed the card if i could not get it with that income, i assume they wanted to give me a higher limit. I only wanted the card because it is the only way employees receive their discount. I then check my credit report and see that there is another inquiry on XX/XX/XXXX, which i did not authorize. I have left voicemails and sent an email to the company and have received no response.
I was told that you all can help me with some accounts on my credit that does not belongs to me. I reached out the creditors and the police to file a compliant. Please help me remove these accounts because they are not mine. 
XXXX XXXX XXXX AT XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  : Experian : XXXX XXXX : XXXX XXXX XXXX  : Experian : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX? XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX XXXX Experian : XXXX XXXX XXXX XXXX  : XXXX.
Receiveables Performance Management has reported to XXXX and XXXX  credit bureaus that I currently have a remaining debt of {$340.00} as of XX/XX/XXXX which is FALSE REPORTING and a direct violation of Fair Debt Collection Practices Act ( FDCPA ). By law they are required to report accurate information! This account is settled in full therefore, no balance should be reflecting and the account must be closed according to FEDERAL LAW!!!!

Receivables Performance Management is negatively effecting my credit for the month of XXXX  for a debt settled in full on XX/XX/XXXX in the amount of {$410.00}. I am demanding both credit agencies info to be corrected immediately and a letter stating the updates have been made meaning there should be nothing negatively reported for XX/XX/XXXX, in addition to the letter promised by XXXX XXXX on XX/XX/XXXX stating the account has been closed & settled in full. I have been going back and fourth with this company since XX/XX/XXXX enough is enough I'm tired of playing games with Receivables Performance Management
I am writing in regards to the hacking that occurred at XXXX Scottrade Bank. 

Specifically, I seek clarification on whether my passwords were encrypted or hashed. 

Scottrade 's press release here : XXXX, states that the passwords were encrypted and NOT hashed. 

If Scottrade did not hash passwords, I would like to know why, and I would like to know if the encrypted key has been or could have been targeted in the hack.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

Equifax is simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
there are XXXX open accounts with XXXX that were added to a chapter XXXX that should be closed and not on my report.There should be XXXX open accounts on my file.
I requested validation of the alleged debt. I received a letter dated  XXXX   XXXX ,  2016.  The first paragraph stated, We are in receipt of your letter of dispute and request for verification pursuant to Fair Debt Collection Practices Act. Regarding your demand for verification including original signed contracts, copies of state licenses, and our agreement with original creditor listed on this account, etc., THERE IS NO BASIS IN LAW TO SUBSTANTIATE YOUR RIGHT TO SUCH INFORMATION.   It is evident tha t Medical Data Systems do n ot have proper documentation to collect this invalid debt. I have the right to request documentation with my physical signature ; as identity theft is at an all time high. Ive sent a complaint to BBB as well as Im in distress with the tactics of this company and how theyre destroying my credit worthiness. Feel free to respond to this complaint wit h HIPPA RELEASE, Medical  records and/or documents signed by me. If f Medical Data Systems h ave a right to collect, then they have a duty to produce legitimate validation until I receive documentation requested ; m y HIPPA rights  have been violated!!!
DO NOT USE MONEYGRAM. I sent XXXX to CA to a friend. I had the transaction go to review on a very time sensitive transfer even though I was told the transaction went through and the money was available. I had to answer 20 minutes of interrogation questions to finally get the transaction approved. This was MoneyGram. I voiced my concerns. My friend had to send the money back and again was told it went through but instead went to review. I found this out when I tried to get the money. I called 3 times, she called twice and was told that the transaction was in review and she had to return to the same Walmart for unknown reason. Worse consumer service I have ever worked with. Suspect they capture a lot of people 's money and never release it.