WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax 's data breach and loss has now put my SSN and all personal information at risk. It is impossible to talk past the automatic answering system. In addition, management thinks they did us all a great service by offering fraud and loss protection for a year for free. Here is my take on it. They make you sign up for it. It should be their job to sign everyone affected up automatically. It should continue until there is no longer a threat to our financial lives, not just a year. There should be serious discussion on how to fix the SSN breach, either a random number generator using alphanumeric to cross reference every SSN affected, or just issue new numbers using a new method. I am concerned about their lack of concern for me. Their take it or leave it attitude, especially since I did n't ask them to use their service, nor have I ever personally given them my information. The general public needs an advocate and your group can now show us all what your made of. Speak up, create change, and hold management responsible. Someone at the top should be fired, and many should be taken to court.
I previously disputed the following addresses that do n't belong to me, but still is listed on my Experian credit report. The following addresses do n't belong to me : XXXX XXXX XXXX # XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, MN XXXX
XXXX has unlawfully allowed false inquiry on my files which i did not authorize. over five companies showing. furthermore remains non compliant with removal of : XXXX XXXX-not collecting XXXX  or XXXX XXXX-10years old account XXXX XXXX- disputed in full, unauthorized charges present XXXX-not collecting and no response XXXX- hostile torwards me, TILA violation, bureau non responsive in removal, atty hired served with other accounts for removal and keeps adding them back.
Continual calling and harassment on a debt, which they admittedly tell you, they can not enforce because it is over 6 years. It appears that their practice is to harass you until you resolve the debt, even though it is legally unenforceable.
I paid {$90.00} to Franklin collection services, inc. via the pay online feature of their website. Since Id never received mail from them, I did not have an account with them. In the account field, I put my SSN. Franklin saying they have no record of my payment because I did n't use an account number
This is to attest that the below authorized checks totaling {$1800.00} ( XXXX XXXX XXXX XXXX XXXX U.S. DOLLARS ) were paid through Bill Pay via my banker, XXXX  Unfortunately, the checks were unpaid and remained outstanding, as the beneficiary ( LBDI ) did not receive the funds. The checks are : 1. XX/XX/XXXX {$200.00} XXXX XXXX XXXX 2. XX/XX/XXXX {$5000.00} XXXX XXXX XXXX 3. XX/XX/XXXX {$6500.00} XXXX XXXX XXXX 4. XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX 5. XX/XX/XXXX{$500.00} XXXX XXXX XXXX *Please note that on XX/XX/XXXX, I submitted copy of the check for prompt payment, but to date, you have not honor the request ; the letter was confirmed by the USPS on XX/XX/XXXXto be in your care.

In lieu of the above, kindly return the funds, as XXXX  confirmed that you are in the possession of the funds ; copies of the checks from XXXX payable to you are attached for your information and records. We look forward to an amicable resolution of this matter.

Kind regards, XXXX XXXX ACCOUNT HOLDER WITH XXXX Home : XXXX Email : XXXX
I sent an insurance claim check to PennyMac in the amount of {$33000.00} ; they received and cashed on XX/XX/XXXX. I submitted all information they required with exception of contractor 's license and signed XXXX. The contractor has now backed out because of the length of time this is taking to get funds disbursed. 

I sent a written request to Pennymac on XX/XX/XXXX along with estimates for materials needed for the repairs. I need to go ahead get the materials ordered before they are no longer available. They advise it takes 2 days to process your request, so I called on XX/XX/XXXX to make sure they received the request and confirmed they did. I called back on XX/XX/XXXX to get an update on the request and was told they needed signed XXXX and license from contractor. I explained the request was to release funds to buy materials only, not pay contractor which was very well explained in my request. I was told they would put in the request that day, XX/XX/XXXX and would have an update for me no late than XX/XX/XXXX and would be good idea for me to call back because they probably would not contact me. 

I called back on XX/XX/XXXX and was told the request had to go to their " corporate '' office for review and it could take an additional 11 days for a decision and the request was submitted to corporate on that day, XX/XX/XXXX. I was told again to call back to check status next week.
I went to school at XXXX XXXX XXXX in 2008. I used my XXXX XXXX XXXX XXXX XXXX XXXX that paid for school. The loan was originally with XXXX XXXX. Recently I received a letter from XXXX collection Agency trying to collect on this loan that was paid. They have put a hold on my tax refund to collect on a balance that does not match the loan amount. I believe it is out of statute for them to be even trying to collect a debt on this account. I have disputed the account requesting any paperwork that they have validating the debt and they have failed to provide evidence.
Due to the recent breach my husband & I placed a freeze on our credit. No issues and easy to do. On XXXX XXXX, XXXX we decided we wanted to purchase a new car. The finance company we were applying with uses XXXX so that is the one we needed to place a lift with. XXXX has an option for temporary lifts. One is called a Selective lift and the other one is a Global. After reading the definition of each we chose the Selective lift, which allows only those creditors we give the access code to, to be able to view our credit file. Each lift is {$5.00} each time you place one. Now we give the motor finance company this access code only to be told they can not view our credit with that type of lift. We then have to go back into our TransUnion account on XXXX XXXX, XXXX and place the global lift. This too cost another {$5.00} each. They viewed our reports and all went well. On XXXX XXXX, XXXX I contacted TransUnion to see if they would credit back the {$5.00} for each myself and my husband for the Selective lift that does not work. After much frustration with the customer service representative I asked if I could please speak to a supervisor. He transferred me to his supervisor. However, that too was a waste of time. I explained the selective lift does not work. This is when I am told it only works with creditors who have the special software that can allow them to input the access code. I asked over and over again why is that information not included on the website where the definition of each type of lift is explained? I received no answer. I asked how would the consumer know about this when they are making the choice of which type of lift? I received no answer. I read her exactly what it says which is this " An access code is a code generated by the website when you create a selective lift. ANYONE with the provided access code can use that code to access your TransUnion CreditReport for the specified time period. '' I then told her since no where on the website does it mention anything about special software. I asked for the {$5.00} each credit to be told no.
I tried to open a checking account. They said i was red flagged i couldnt. I was told to talk to the XXXX when i contacted management. I got the report and they had never even checked that sysrem. Then i got a letter in the mail that they had run my credit score. I did not apply for credit nor agree to allow them to run my credit score. They them denied me a checking account even though i have never had a problem with abank account. This was at jp morgan chase
Ascension Point Collection is attempting to collect a decedent debt they say they have obtained from XXXX XXXX associated with XXXX credit. My father passed away XXXX XXXX, 2016. They are stating that {$300.00} is owed on a credit card associated with XXXX and this bank. XXXX and XXXX XXXX have been contacted and there is no money owed. They released all financial obligation upon his death. Further, they have never heard of this company and only associate with XXXX. No paperwork has been given via the bank to ANY collection agency nor will there be. Despite several calls, the company is saying payment is owed. This is a scam. No one from the bank has even heard of this company. They are insisting on payment and have sent paperwork and made numerous calls.
Bank of America credit card account has been paid in full and resolved but still shows on my credit report as non-payment amount of {$580.00}. I need this cleared from XXXX credit bureaus ASAP.
I have had the same student Loan for over 23 years. It is was through XXXX XXXX and now is with Navient. 

The original loan amount was for {$16000.00}. Since being sold to Navient my loan is now at ove {$30000.00} due to Navients fees and interest during an ongoing reduced payment plan which started roughly 4 years ago. 

When they put me on this new payment plan,. at no time was it explained to me that the adjusted payment wasn't even covering my interest ... not even by half! Now they have tacked on over {$10000.00} to my original loan and are telling me my adjusted payment iwill be in the {$300.00} 's per month which I can't afford. 

Either way I feel their lack of disclosure is predatory and I will be paying on these loans for decades to come. 

Doesn't seem right, Regards XXXX XXXX
I applied for a loan modification ( HAMP ) Program on XX/XX/2016 with my servicer Wells Fargo Home Mortgage ( WFHM ). I hired an attorney to help me with my application and they confirmed my financial application was received by WFHM on XX/XX/2016. My attorney states I qualify for the HAMP program. WFHM underwriter refused to review my loan for a HAMP loan modification even though the HAMP program allows them to review me because my application was in fact received before the deadline for HAMP expiring ( XX/XX/2016 ). Wells Fargo Home Mortgage underwriter stated they were missing two pages of the application, Dodd Frank and the 4506T, neither of which contain any financial information. I believe WFHM is doing this solely because they do n't want to help me save my home. I qualify for HAMP and deserve to be reviewed for it.
XXXX XXXX XXXX IS REPORTING LATES INACCURATELY ON ALL THREE CREDIT BUREAUS.THE ACCOUNT NO. IS XXXX.ALL 3 BUREAUS HAVE VASTLY DIFFERENT REPORTS YET ALL 3 BUREAUS VERIFY THEM AS ACCURATE.I have attached credit reports pulled within the last week for proof. 
The problem stems from the XXXX pay online site, the auto-pay, and the security systems of my banks who have systems in place to claw back large pymts. made on-line to XXXX.The vast majority, almost all the late payments can be attributed to this system.XXXX and Equifax have been the only co-operative bureau.Even though the XXXX dollar payment is large I earn enough to handle 6 payments or 6 cars.The problem is the banking system that recognizes legitimate payments as possible fraud and asks them back from XXXX and XXXX gives them back and destroys my payment history.I would like my payment histories removed or altered to reflect the fact of the on going banking security problem that I have nothing to do with or are notified about in a timely way to avoid the late payment history.The FCRA entitles me to fair and accurate reporting, yet looking at the attachments here you can see that that does not occur.
* Son ( formerXX/XX/XXXX) called for information about parents account -- - parent recorded with out their knowledge -- - which is agents Florida statue 934.03 -- - subsection three d * Filed two complaints, one was miss processed -- - The other one simply vanished
XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XX/XX/XXXX
Since XX/XX/XXXX I have written, fax, emailed letter to all credit reporting agencies, companies involved including their CEO 's regarding accounts/information being reported wrong on credit bureaus. I have never worked at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, nor have I ever been retired. Have never lived at XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX Il XXXX XXXX XXXX XXXX XXXX Il XXXX or XXXX XXXX XXXX XXXX XXXX Il XXXX. I have " NEVER : made late payments to XXXX XXXX ( current onetime no late payments not in forebearance ), XXXX XXXX/XXXX, XXXX/XXXX 's, XXXX XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX ( ALL ), XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ). Have " Never Applied for credit or authorize obtaining credit report for the following companies : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX please remove all non-account holding inquires. Public Records do not belong to me : Judgments # : XXXX, XXXX, XXXX please delete. Please remove " Promotional OPT-OUT '' would like to be consider for promotional offers that I qualify for. Also have accounts that bureaus are currently blocking that I would like to be reported they are accounts in good standings from the following companies : XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX/XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX, XXXX , XXXX XXXX , XXXX , XXXX XXXX , XXXX/XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX . Spoke with reps and was advised information was re-inserted in results of system glitches that credit reporting agencies have experienced on numerous occasions XXXX XX/XX/XXXX- XX/XX/XXXX & XX/XX/XXXX ; XXXX XX/XX/XXXX-XX/XX/XXXX,  and Equifax XX/XX/XXXX and that all information submitted would be updated in 10-15 days which was over 30 business days ago.
In good faith, rough draft abstract, and with all due respect, I have made payment to my XXXX ( XXXX ) American Express XXXX " XXXX '' ) on about XX/XX/XXXX via our new bank, XXXX XXXX. Payment instruments were XXXX XXXX XXXX XXXX XXXX XXXX 's checks, first thought to be XXXX money orders, since we did not have new bank account checks issued for our new accounts. Prior to XX/XX/XXXX I was unaware of my payments missing if not for XXXX 's rude staff being extremely, unprofessionally, and immaturely disrespectful to my fiancee by phone. Since then per our legally documented calls, XXXX has been unfairly rude, though less so upon me calling XXXX personally and especially after I reported said credible warranted concerns regarding missing payments and disrespectful XXXX staff. 
For context, please note that I have been an XXXX card holder for over 10 years in good standing without even XXXX late payment. Prior to current membership, I was an XXXX cardholder over over 10 years after I voluntarily cancelled my numerous accounts in XXXX prior to the American Great Recession. In footnote, I am a survivor of identity theft as my XXXX Alerts on my credit reports affirm. 
Since in good faith we made payment on time with XXXX, it is reasonable to expect as an equal human being for us to be treated with equal respect, including while we provide XXXX Bank the necessary industry standard time to research the missing payments. XXXX does not want to hear it. treating us as if we are criminals and have a chronic history of late payments or fraudulent claims with XXXX. 
We reserve the equal right to permit XXXX bank the necessary time to complete its investigation, including who cashed the payments, for it could easily be XXXX, for they are not moral saints incapable of making mistakes. Either way, XXXX promised not to charge any late fees, but they lied. Then upon question only credit the fee with the XXXX XXXX. While the XXXX XXXX is still pending a late waiver I cancelled the card without XXXX even trying to respect and preserve the professional relationship despite my incontrovertible innocence. Missing payments is not a crime. Moreover, XXXX is wrongfully demanding full payment on the account even on new XXXX card charges as if we owe XXXX of thousands of dollars. In fact the XXXX balance is {$210.00} excluding the {$27.00} late fee. And the XXXX XXXX is {$810.00}, when in fact the missing payment was only {$210.00} and change that was paid {$250.00} on XX/XX/XXXX. And the only payment due this cycle is {$450.00}, though XXXX is demanding all payment. Again, treating us as criminals. And as if XXXX has the right to disrespect us as if we are unworthy of respect and our equal humanity and rights.
Ocwen is TERRIBLE!!! My previous complaint # XXXX regarding my XXXX mortgage was FINALLY taken care of, but NOW I have a new problem with them and my XXXX Mortgage!!! I get my XXXX XXXX statement for my XXXX mortgage in the mail yesterday, which shows my previous balance of {$12000.00} of which I made a PAYMENT of {$180.00}, which would bring my NEW balance to {$12000.00}!!! But instead of CREDITING my account ... .Ocwen ADDED the {$180.00} payment and now my NEW BALANCE is {$12000.00}????!!!! Only Ocwen would ADD a credit to a balance and not DEDUCT it from the balance!!!!!!!!!!
I was misled into thinking that I could have a XXXX alternative from XXXX in XXXX GA. They set me up with a Comenity Bank account for a debt of over {$5500.00}. After XXXX weeks I let XXXX know that I had zero results. They had me wait until a full 3 months had passed to see me, all the while I was making payments to the account. 

After 12 weeks XXXX got me in, took my XXXX, and took after pictures. I almost cried, I had gained XXXX and there were no differences in my pictures. I was clearly upset with the results and wanted to speak to someone. The nurse said she was sorry, suggested some natural ideas help with XXXX and said a manager would call me. 

Once I finally heard from a manager they tried to sell me on a second round of the procedure for another $ XXXX. I refused and contacted Comenity Bank for help. 

The service from XXXX was fraud. The pictures on the sales ads were deceptive, and it should be illegal to take advantage of consumers like this. They advertise XXXX alternative and show unrealistic before and after pictures. I had zero results and informed the company after 4 weeks to let them know. 

After I filed the dispute, Comenity Bank instructed me to work my issues out with XXXX. I contacted the XXXX corporate office and was told they would offer me a credit and that a manager in GA would reach out to me. 

The manager in Georgia did reach out to me. She agreed that the service was NOT successful and offered me a store credit for future services of {$2800.00}, still wanting me to pay Comenity $ XXXX. I refused this offer and went back to Comenity bank to let them know we could not resolve this ourselves. 

I was told by the XXXX customer service that the dispute would be refiled on XX/XX/2017. I have written on the company XXXX and client portal for updates and help with no reply other than call customer service. Today I called customer service and they said they had no record of me contacting XXXX to resolve and thought they had sent a letter to inform me. The rep said she was n't sure why the letter was n't mailed and would reopen the case. 

I feel like I am getting the run around from the bank and have definitely been scammed by XXXX. PLEASE HELP ME! I have two other accounts with Comenity funded ( XXXX and XXXX ) that are paid on time and XXXX is actually paid in full. 

I have no problem paying my bills but do have a problem being taken advantage of. 
When I complained on the Comenity XXXX page a consumer referred me to contact your site for help. I hope that you can help me and shut companies like this down. I wish I would have done more research before using XXXX. I see that many thousands of other people are going through this too. 

Kind regards, XXXX
Over 15 % of my income has been taken by Wells FARGO with countless fees. {$1000.00} 's!!! Separate fees of {$35.00} each were without warning of exactly when or how many. It is impossible to predict. Fee stacking is used to perpetuate more fees and in turn keep the account at a level that only causes more outrageous fees. It has had devastating consequences on my finances and on my life. I am about to get evicted and lose my car because of it. I am emotionally wrecked. The bank i trusted my money to has taken it from me!
I sent letters to Capital One Credit services about them not following the law as required under FCRA 623 ( a ) ( 7 ) ( G ) ( i ), they responded by saying that there security agreement address that but that 's not what the laws say. They never sent a notice as required before and after they reported negative information to the CRA 's. I 've spoken with a XXXX XXXX in the Executive Office, XXXX XXXX Id # XXXX, XXXX XXXX Id # XXXX and XXXX and they will not remove the negative information in violation of the FCRA section 623 ( a ) ( 7 ) ( G ) ( i ). I 've been disputing this since XXXX of 2014, the account is closed and paid in full. I will attached an invoice sent to me by them that does n't should the language outlined and required by FCRA section 623 ( a ) ( 7 ) ( G ) ( i ). I 've filed a complaint with the XXXX about this also and they still said that there security agreement addressed the section above but it does n't as you can see in the attachment the section they sent me from there security agreement.
I found out today that Equifax reverted my contact information to old contact info WITHOUT my permission or request. This is the phone placed on the file to request a call to validate my ID on my Fraud alert recently I've had the same phone number on file now for years and have opened up multiple accounts and had phone verifications. Suddenly Equifax changed it. I also have ongoing & repeated issues with ONLY Equifax updating and changing my address to my ex-wife 's address. NO OTHER CREDIT AGENCY has these problems.

When I call Equifax, they want to take 48 hours to correct the problem. They also seem to have punitively punished me and now have blocked me from gaining access to my free annual online credit report.

Can you please put these clowns out of business? They already XXXX most of the US with their security breach, obviously continue to mess up and really need to be shut down.
My original mortgage papers from XX/XX/XXXX when my loan was with XXXX XXXX XXXX indicate that my PMI should be automatically terminated on XXXX. My loan was sold to Nationstar Mortgage XX/XX/XXXX. The PMI did NOT automatically terminate on XX/XX/XXXX even after I contacted Fannie Mae to verify that the mortgage company is REQUIRED to terminate the PMI on this date, per my mortgage papers, and then after speaking with Nationstar who told me they needed to refigure the escrow and my next payment on XX/XX/XXXX should reflect this deduction. That has not happened and I am tired of getting the run around from Nationstar mortgage who is a fraudulent mortgage company and breaking the law if they do not comply with XXXX.
I mailed in a check for a water bill for {$1.00} ( yes, that is XXXX Dollar XXXX ) that was dated for XX/XX/XXXX. However, the check was deposited & cleared my account more than 2 weeks prior to that date. As I rarely actually write checks ( and usually to prepay my account -- which is why my water bill was only {$1.00} ), I was surprised when the check cleared so early. I contacted the bank ( Chase ) to find out what their policy was on depositing post-dated checks and was advised per " whatever lame agreement they quoted me '' that they can basically post it whenever they want, with no regard whatsoever for the date. As the check is so small, and I had plenty of money in the account, this really was n't an issue. However, it is blatantly -- and unilaterally -- unfair to the average consumer that is relying on the date clearly written on the check to be honored to allow this practice. I guess this is one MORE reason to not write checks and to hate the US banking system.