WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX XXXX 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. 
They are 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. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
On Saturday, XXXX XXXX, 2016, I logged into my account at U.S. Bank and saw that my available balance was negative by about {$17.00}. I had been told previously by employees that if you deposit cash on the same day your account becomes negative, you can avoid overdraft fees. I made a deposit at the ATM of {$40.00} in cash. My receipt states that the deposit occurred XXXX/XXXX/2016 at XXXX. and that my available balance was {$5.00}. However, by Tuesday morning, I had received XXXX overdraft fees for a total of {$140.00}. 

From what I can tell from my statement online, my cash deposit did not clear my account until XXXX/XXXX/2016 ( essentially late last night ). I have been told in the past that cash deposits are available immediately, but it took 2 days for the cash to post to my account. Also on XXXX/XXXX/2016, I was charged an overdraft fee of {$36.00}. The deposit posted to my account first, followed by that overdraft fee, which I was not anticipating. Following those, also on XXXX/XXXX/2016, a slew of charges that had been pending on my account since the previous week cleared my account. I would like to note that none of these charges were made by me after I made my deposit at XXXX on XXXX/XXXX/2016. At that time, I was under the impression my available balance was {$5.00}, as my receipt stated, and made no more purchases. 

One of these overdraft charges was reasonable. After all, I did cause my available balance to go negative by purchases I made leading up to Saturday afternoon. However, XXXX of those charges are only due to the fact that the first overdraft charge put my balance back into the negative, and because of the order in which everything posted, XXXX of those charges posted against a negative account balance. Again, a balance that was only negative because of the overdraft charge. 

Here 's the other thing : those XXXX charges were already counted against me when they were factored into my available balance. I was charged an overdraft because my available balance went negative. If those charges had n't been pending, then I would never have overdrafted at all. Essentially, I 'm being penalized twice. Once when the pending charge is affecting my available balance, and again when the charge finally clears and posts against a negative account balance. This is inappropriate and unethical. 

I called U.S. Bank 's XXXX line to ask about this at XXXX. XXXX/XXXX/2016. The employee who took my call said that the first overdraft posted to my account on XXXX/XXXX/2016. If this is true, then the internal system at U.S. Bank apparently has different information than what my online account shows. This employee made no effort to explain the discrepancy, despite the fact that I have a physical receipt showing an available balance that did not include an overdraft fee as of XXXX/XXXX/2016 XXXX I made a sincere effort to bring my account positive, but apparently I did not have all the information that I needed to remedy my mistake. XXXX of those overdraft fees are just as much the bank 's failure as mine.
I have been trying to get my loan payments to be properly attributed as Public Service Loan Forgiveness qualifying payments since XX/XX/XXXX. So far XXXX  has been able to correct most of my account and correctly note the payments as PSLF qualifying payments ( although that took 17 months ). However, I haven't been able to get an effective response from XXXX since XX/XX/XXXX, when I requested them to correct some uncredited PSLF qualifying payments and send me a report with my payment history, indicating whether or not each payment is a PSLF qualifying payment and if not then why. After following up with XXXX at least a dozen times for them to produce this report, I was told today to wait another 30 days, which would bring me to just shy of 2 years from when I first requested further information on why my payments weren't qualifying.
XXXX XXXX credit card Old account from XXXX XXXX XXXX XXXX They are all close pay off Please remove from report companies
I submitted a complaint against American Servicing Company on XXXX XXXX 2015 via CFPB. I was contacted on XXXX XXXX 2015 by ASC stating they were going to do an investigation into the matter of alleged missing paperwork, quick change of home preservation officer before a loan modification could be approved, a promise of a new loan modification once my trial period was over, which I was never given. The investigating officer ( XXXX ) gave me a contact number which no one ever picks up. I received a letter from their attorney who is ready to put my home up for sale through the county Sheriff office. I contacted ASC attorney within the ten days as requested notifying them how I was going to secure the loan. I stated in the letter I am applying for a home loan modification with ASC I have yet to hear anything from ASC or the investigating officer and today date is XXXX/XXXX/2015. I believe my rights to secure a loan modification has been violated. Promises to grant a loan modification, lost of paper work, switching of loan officer each and every time I am TO get a decision for a modification, and the new loan officer always states " they have no idea what the last loan officer did '' so I have to start all over. I NEED HELP!!!! 
Lastly, XXXX only contacted me because of the complaint I placed with CFPB.
American Education Services refuses to push back pay date for student loan. I am currently in the process of consolidating loans from American Education Services to XXXX XXXX. I was initially told I was approved to change my due date so that it will be due after the consolidation payment was completed. It was also told this process would take 2 business days to complete. However, this did not occur and my account became delinquent. Moreover, my cosigner was notified 5 days after this occurred while I received this notification 10 days later. After speaking to another representative, I was told that I would have to make the request to change the due date before the new due date is posted. That means customers only have a week to submit a due date change before the next payment is posted in the account, which occurs 20 days out. AES was not willing to wave the late payment fee even though I was provided with the wrong information by their customer representative. Additionally, I never received any warning notice that my income based student loan payments were ending for my account. As a recent graduate who lives in a big city and a significant portion of income goes to rent, it is grossly inappropriate for AES to not send any notification that this offer is ending nor does it give graduates enough time to be on the plan ( i.e only lasts a year after graduation ).
I filed a previous complaint about our mortgage company, Ditech. We thought it had come to a conclusion and was thought to be completely resolved until I just pulled my credit report and Ditech has reported us 'late ' and affected our credit, which they said they would NOT DO. Here is the original complaint : Our mortgage was sold by XXXX to Ditech around XX/XX/2015. XXXX had paid or annual taxes from our escrow account prior to it being sold. Ditech then also paid our taxes for the year resulting in a double payment. We received a refund check from our taxes being overpaid by the county and were confused. When we called XXXX to inquire, they informed us that our mortgage had been sold. We had no idea. There was absolutely no communication on XXXX or Ditech 's behalf of this move. We then called ditech to see let what was going on. They said to send them back the check, which we did. They then proceeded to charge us twice the amount for our escrow the following month. Our mortgage payment was on auto-deducted out of our account. In effect, our mortgage payment was almost {$600.00} more than usual. We, of course, were expecting our regular mortgage payment to be deducted from our account and were not prepared for an extra {$600.00} coming out which resulted in overdrafts and fees. We immediately called ditech to fix the situation. They said it would be fixed in 8 days. 5 months later it has still not been resolved or fixed. They keep billing us {$600.00} over our regular mortgage payment and refuse to fix the situation. We have called repeatedly, had to explain things to each new person over and over. No one will actually help us. They keep telling us it should be resolved in 8 days but when we call to follow up it is never fixed. Throughout this process we have been paying our regular mortgage payment because we have no idea what else to do. They are now treating us as if it is our mistake and sending us 'loss mitigation ' letters, putting notices of non-payment on our door and acting as if we are delinquent on our mortgage payments. We do n't think they have officially reported us to the credit bureau but we are concerned that they will. We have pursued a lawyer 's help but would rather not go through the hassle and expense. We are at our wit 's end. We have tried to refinance with another bank but since our mortgage is less than 2 years old we have little equity. We have also requested to handle our own escrow account.
I paid off 4 accounts in full on all 3 of my credit reports XXXX, XXXX and Experian and not only are all of them has been reported as paid in full on my credit reports by the companies, The credit report agencies dropped my credit score even lower than what they should be and I want to know why and want my credit reports at all three credit reporting agencies corrected and my credit score where it should be ... ( Going up ). Now if you can not rectify this situation, can you point me to who can correct this situation? Thank you!
Due to medical state and injury fraud was committed in me and my mothers bank acct leaving me broke there is evidence of multiple multidominal unauthorized transaction taken out of my acct without freeze placed or alerts when I tried to address the issue shortly after bankers failed to review my acct info accurately which left me unable to report t in a timely manner and many attempts to report transactions esulted in the bank manager refusing me service and threatening o call police on me an innocent customer clearly taken advatage of because of my current medical state at the time
THIS COMPANY DISCOVERED A BREACH OF PERSONAL INFORMATION ON XX/XX/XXXX AND DID NOT REPORT IT TO THE PUBLIC UNTIL XX/XX/XXXX. MEANWHILE THERE IS SOMEONE PUTTING INQUIRES ON ALL MY CREDIT REPORTS BECAUSE THEY HAVE MY INFORMATION AND THE COMPANY HAS FAILED TO INFORM ME OR ANYONE OF THAT MATTER. IT TOOK 6 WEEKS FOR MYSELF AND OTHER CONSUMERS TO FIND OUT, WHILE IN THE MEANTIME CREDIT REPORTS AND SCORES ARE BEING AFFECTED. ON TOP OF THAT IN THEIR FINDINGS 3 EXECUTIVES DECIDE TO SELL THEIR SHARE OF THE COMPANY AND PROTECT THEMSELVES AND OUR PERSONAL INFORMATION HAS BEEN COMPROMISED. I ALSO FOUND A NAME ON MY CREDIT REPORT AS A COBORROWER OF WHICH I HAVE NO KNOWLEDGE OF BY THE NAME OF XXXX XXXX. PLEASE REMOVE THIS NAME FROM MY FILE AS WELL.THESE UNAUTHORIZED INQUIRIES SHOULD BE REMOVED FROM ALL THREE OF MY CONSUMER REPORTS IMMEDIATELY - 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 OF MO ; 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 I ; XXXX ; XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX CA.
Hello, I was referred to you by the attorney generals office. We have had ongoing problems with our mortgage company. They are falsely saying that we owe them thousands of dollars that we do not. And our house is in foreclosure even though we never missed or were even late on the mortgage payment. 
At this point, we do owe them one months mortgage because they refused to cash the last check, because they said we are in pre-foreclosure. 
We had only owed them {$1900.00} for a check they sent to the town for property taxes and the town cashed it and paid our taxes in advance. We had paid the taxes up to that point. We have had a mortgage on the house for 15 years and never had escrow. Now they are saying that we owe them {$6500.00} and they want it paid to satisfy the debt on their terms or we will lose our house. 
They have actually sent us letters with false information saying that we did not pay our mortgage for XXXX, XXXX and XXXX. And We have cashed, cleared checks proving that we did pay and were not even late. 
Please help or please direct us to who can help. 
I am afraid that we are not the only people they are doing this too. And another person or someone elderly who is confused may just pay them the money and they may be getting away with this? 
Sincerely, XXXX XXXX
XXXX allowed XXXX Unauthorized Credit Inquiries on my credit reports by : XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX and also by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. 
I have written both companies twice on XX/XX/XXXX and on XX/XX/XXXX. I provided them with a copy of the Police Reports to prove identity theft but they have n't removed anything.
i made a deposit on  XXXX / XXXX /  XXXX   for  XXXX  my bank put a hold wo notifying me in writing or verbally and then extedned the hold so the check has been on hold for weeks and i filed a complaint with the office of the chairman the lady called me was acting  dumb  and rude and telling me the bank the check was drawn on has not paid them and i told her otherwise she accused me of lying and told me to go back where i came from, i got proof the check was cashed and the bank was paid and they still have a hold and there refusing to release my money i bebelieve its because im  XXXX  bc the lady told me to go back where i came from, i need help i need my money released, this bank is commiting fraud and illegal activity, she also claimed its bc the check is not in the same name as account will thats  XXXX  they accepted the deposit and i have a check cashing license and this check belongs to my llc for the property for this same business and its a new excuse everytime enclosed you will find proof this bank is commiting fruad they where paid the next day for this check there using my money and holding my money wo paying interest and i had retured credit card payment fees that i paid from this checking acct they returned and charged me and they charged me im out like  XXXX  plus  XXXX
Several years ago I was granted a mortgage modification from Indy Mac Bank. Everything was great. Then my loan was sold to Ocwen Loan Servicing LLc . After several months they added XXXX in past due fees from the time during my modification process. When my modification came thru I needed to pay my new mortgage payment for 6 months ( I think may have been XXXX ) and then my mod would be complete no further charges or fees. How is it possible that 3 years later there are charges. Everything was rolled into the loan and I was in good standings with Indy Mac. now I have and additional fee that I do n't owe.
My complaint is late payments and fees on my credit report. I had a child support case with the State of Arizona and as of XX/XX/XXXX my child support was completed and State of Arizona sent that information to XXXX. The problem that I am having is, XXXX still have payments late for year XX/XX/XXXX and XX/XX/XXXX, which is impossible if I paid off my child support before time. I requested an audit with the State of Arizona through my congressman, because I knew I wasn't in the rear. The audit was completed and my child support withhold order stop, before my son made XXXX years old. State of Arizona says it's XXXX  responsibility to correct the problem and XXXX   says the State of Arizona should correct it. I really don't know who is at blame, but these late fees and payments should be removed off my credit report. I have children in 3 other states and after my obligations was completed, the agency removed any negative report on my credit report.
I am a victim of identity theft. Have a fraudulent account and hard inquiries listed on my XXXX XXXX, Equifax and XXXX credit report. The following account and hard inquiries are fraudulent and do n't belong to me : XXXX XXXX, {$130.00}, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX
Navient services my student loans and i have called them multiple times in the past about misleading/confusing information and misallocations of my payments. I 'm sure these complaints have been ignored by Navient but I want to know what I can do invving this lawsuit and any repercussions in process.
XXXX has charger my account for {$180.00} and for {$8.00}. The second charge was refunded but the {$180.00} was not refunded I emails from the stating the charge was refunded Wells Fargo, has not credited my account for the unauthorized charged
on XX/XX/2018 I attempted to make a payment towards my commerce bank credit card but I was going to use my XXXX XXXX XXXX checking account to make the payment. I used {$10.00} from my XXXX XXXX XXXX account to go toward the commerce bank payment and for it to be taken off the XXXX  XXXX XXXX card the same day. One week later I check my account any my commerce credit account balance is really high and I click to find out why, and it was because there was {$35.00} worth of banking fees charged to my account. So I called customer service only to find out they were not willing to credit back fees because they claim I made an error at the time of payment but that was not the case as I checked my account personally online and in person and the commerce and XXXX XXXX XXXX.But commerce bank is stating that the account number was wrong but I personally checked the account numbers online and inperson with a teller. The numbers were correct but the credit bank is still disputing that they made an error and refuses to credit my account back the entire amount that I was charged and as the error was not my doing I should be refunded.
Transunion File Number XXXX Employment Data Reported Dated XX/XX/XXXX was right on the information for Employment Data Reported for some reason the report issued on XX/XX/XXXX only shows XXXX employment not the 2 I current work for in which I have attach my current 2 employment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX These do not show and I have work for them since XX/XX/XXXX I do n't why Transunion has errors as they do.
Capital One : 3 accounts- 2 credit cards and 1 auto loan. 
They call everyday, incessantly. 
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 I have tried to make payment arrangements but even then they call everyday.
I was slammed by a CSR in the XXXX of XX/XX/XXXX. I would have never agreed to sign up for debit protection, but the CSR told me that you could file a claim and be eligible for debt protection even if you become unemployed voluntarily. I outright asked the CSR " so if I quit my job I would qualify for debit protection? ''. The CSR said : yes even if you quit your job. So from XX/XX/XXXX through about XX/XX/XXXX, when I quit my job, I was unaware that I could not deploy my debt protection. I held on to it for a while, hoping to get an unemployment appeal decision in my favor. I called the CSR for the credit card services. Several times and told them I was slammed by a CSR. They always agreed that I should get reimbursed. The last time I talked with some body about it, he told me he was in charge of all of this and was looking into it. I never heard back from him. It was about a year ago. I started working a split shift, over 12hrs away from my XXXX mile daily commute. ( that is a 14 hr day way from home ) I had no time to investigate. When I finally had some time I called. They talked to supervisors that said it was so long ago, and there was nothing they could do. I have been asking all along about the recorded phone calls. They always tell me they can and will pull them and they do exist. I did the math and i 'm out {$1800.00}.
On XX/XX/XXXX a letter was sent to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX requesting a hard inquiry be removed from my credit file. Inaddition, the same inquiry was disputed with Equifax ( credit agency ). XX/XX/XXXX a response letter was received from XXXX XXXX XXXX ( Credit Bureau Specialist ) requesting additional information ( i.e. Credit Reporting Agency Name, Social Security Number, and Specific Inquiry Date ). XX/XX/XXXX a follow-up letter was received by Specialist XXXX stating the inquiry was valid. Neither XXXX nor Equifax have provided any proof of validation from their investigations. XX/XX/XXXX, I contacted XXXX XXXX by phone and spoke with a supervisor and a different Credit Specialist who stated no records of this inquiry was on file. However, my current credit file shows different. I 'm request the removal of the specific inquiry from my credit file.