WillisBack/dataset-financial-user-claim huggingface dataset:
I went to Equifax 's webpage that they say is supposed to let you look up whether or not I was affected by the recent data breach. I entered the information that they requested to look me up ( last name and last five digits of SSN ).
It did not tell me whether or not I was affected. It did, however, seem to indicate that I was now signed up for some credit monitoring service that they 're pushing. Poking around on the internet, I have seen people saying that signing up for that means that you waive some of your rights, for example to sue them.
I did not sign up for that. I went to their page which said something like " Enter your name and last five digits of your social security number to check whether or not you 're affected. '' I noticed nothing on that page which said " Enter your name and last five digits of your social security number to sign up for some credit monitoring service and oh by the way to waive your rights to sue us. '' I do not consent to waiving any of my rights with respect to this.
I then called up their hotline number which they said was specifically set up to handle this data breach, so that I could ask whether or not I was affected, and also to say I do n't want this credit monitoring nor do I consent to waiving my rights. It was utterly useless. The lady could not tell me whether or not I was affected. All she could tell me was that I should go to their website and enter my information to check whether or not I was affected. The same website that I DID go to, and where I DID enter my information, and which DID NOT tell me whether or not I was affected.
At one point, I asked her why she could n't tell me whether or not I was affected. She responded that they were " a third party '', and that she had already given me all the information that she had.
That prompted me to ask her who she was, if she was a third party. I was told " Equifax Incident Response Line '', or some such. I then told her I assumed that I was one of the other two parties, and asked her who the second party was. " I 'm sorry, I do n't know '', she told me. To make sure that I was understanding, I explicitly asked her : " You 're telling me that the reason why you do n't know whether or not I was affected is because you 're a third party, but you 're only aware of two parties? '' " Yes, '' she replied.
At that point I gave up on the phone call, as it was useless and frustrating.
XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Re : Your Client : XXXX Your Client Acct. No. : XXXX Chase Acct. No. : XXXX Disputed Amount : {$37.00} VIA FACSIMILE XXXX, CERTIFIED MAIl CERTIFIED MAIL CERTIFIED MAIl XXXX and US Mail and US Mail Chase Receivables XXXX XXXX XXXX CA XXXX Dear Debt Collector, I am writing in response to your dated XX/XX/XXXX ( copy enclosed ) because I do not believe that I owe what you say I owe and that it is my responsibility to pay. 

This is the first I 've heard from you, therefore, in accordance with Section 809, The Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe, please provide a copy of all itemized procedures performed and supplies used ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide me with authority or section of the contract between XXXX your client that I, the patient am responsible to pay for items not delivered. I did not receive any Medical Records. 
Provide a verification or copy of any judgment if applicable Identify the original creditor address Show me that you are licensed in my state, and provide me with your license numbers ; I also demand that you immediately send a copy of this dispute letter to the company that you say I owe money to so they are aware of my dispute with this debt and the reason I have not paid them because I have not received the Medical Records I asked for. 

Please hav your creditor XXXX proff of delivery of said Medical Records. 

I further demand that, if you have reported me to a credit-reporting agency, you inform them that I have placed the debt in dispute and provide me with proof that you have done so. 

Finally, stop contacting me about this or any other matter, except via mail, email and then only to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions such as pursuing court actions. 


Thank you, XXXX XXXX for XXXX XXXX Date : XX/XX/XXXX Reference USPS Certified Mail : The following is in response to your XX/XX/XXXX request for delivery information on your Certified Mail/RRE item number XXXX. The delivery record shows that this item was delivered on XX/XX/XXXX at XXXX in XXXX, CA XXXX. The scanned image of the recipient information is provided below. 
Signature of Recipient : Address of Recipient : Thank you for selecting the Postal Service for your mailing needs. 
If you require additional assistance, please contact your local Post Office or postal representative. 
Sincerely, United States Postal Service
This complaint is against Saks First Premier Master Card. The motive of this complaint is because the department of fraud blocked all my accounts that I have with Capital One Bank of Saks Fifth Avenue and Neiman Marcus. Because they say that I made a payment of XXXX dollars and that payment was returned, small story short telling me I 'm a liar because in this complaint I 'm going to attach a copy of status of my accounts of XXXX XXXX how they asked me and also the check by them. Because I know that they have it in their account. Also in many opportunities they have mistreated me, asking me for papers like I was doing fraud in my own account. I have sent through fax in a lot of oppurtunities of all the documents that they ask of me to prove my identity. The Saks Fifth Avenue of XXXX XXXX of XXXX, Florida. This situation has had me exhausted and embarrassment also wasting time and have embarrassment. Today, an ironic investigator presumed that I was lying. And that for him to unblock my accounts he needs copy of my driver 's license front and back, copy of my SS front and back, last statement of my cheekiness account, evidence of my check paying Neiman Marcus for the XXXX dollars. Because in his computer apparently it does n't exist. Here, attached I have all the proof that they are asking for me because through you there will be a stop the embarrassment that this store and company has put me through.
My payment is due on the XXXX of every month to Nissan Finance. On XXXX, XX/XX/XXXX, their system told me that I owed not the {$450.00} monthly payment, but twice that - {$900.00}. They claim that because the XXXX was a Sunday and because they do not process on the weekends and because I had not paid by the preceding Friday, their system told me that the current payment - due XX/XX/XXXX - was late and then included the payment for NEXT month and so it claimed I owed {$900.00}. Again, this was on XX/XX/XXXX for a {$450.00} payment due XX/XX/XXXX and it was doubling what I owed to {$900.00}. So in the " Amount Due '' they were including a payment not due until XX/XX/XXXX. None of this is hard and I actually have a 10 day grace period on each payment, so they should not be acting like my next payment - due in 30 days - is part of the amount I currently owe. In fact, I believe it may be illegal.
I have several unauthorized credit inquiries on my credit report to companies in which I have not applied. I have attached the documents that i have mailed and faxed to the alleged creditor requesting that they remove the unauthorized credit inquiry from my credit report.
bank is overcharging and changing the terms of the loan without a reason. bank has extended the amount i owe without any proof of logic. bank has failed to explain how they come up with the amount differences, bank has contradicted several times and failed several times to explain the how they have reached the new amount i owe. bank has failed to honor the 48 payments term bank has a over inflated pay off amount that they can not explain the mathematical logic. bank is over charging the interest rate that wast agreed on. bank failed to communicate properly or promptly about my issues.
I was the guarantor for an unfinished and unsigned lease with XXXX XXXX XXXX XXXX in XXXX, FL, for XXXX XXXX in XX/XX/XXXX. The guarantee, XXXX XXXX, was notified by the leasing office that she never signed the final and complete copy of the lease on XX/XX/XXXX ( and therefore never completed the lease in its entirety and could not move in until she finished her leasing paperwork. She never moved into or received keys to this property. National Credit Systems was attempting to collect the amount owed for an entire lease term from the guarantee and I, despite the fact that the lease was, according to the property, never completed and turned in and XXXX never lived there. 

Going off of what was sent to XXXX in the voicemail on XX/XX/XXXX, ( which I have proof of ), the guarantee and I assumed that no further action needed to be taken, as it was our understanding that we had not finished the proper leasing documents in the first place. The guarantee, XXXX XXXX, has since managed to have the charge removed from her credit report via XXXX   complaint ( after submitting a claim with the CFPB herself, the complaint number is XXXX, I was also advised to do so myself by the credit bureau ) I am requesting that the company withdraw the claim from my credit report as well, because I am not responsible for any debt with this company in any way.
This company baited and switched. The primary reasons i opted to go with Earnest was the ability to make biweekly payments. They sent out an email ladt week eliminating this option. Now i will pay more money, out of my own pocket. At least grandfather current customers into biweekly payments and change for customers going forward - that is the responsible, stand up thing to do.
I went in to Mariner Finance XX/XX/XXXX to refinance a loan, I asked for XXXX over the phone. I was told that the papers would be ready to sign when I got there, when I got there I was informed that they could only do XXXX dollars unless I put my truck title in, I said absolutely not, the loan officer went out to print new paper wor for the XXXX, he came back went over the paper work had me to sign and I went on my way. So I went to get my tag in XXXX and it was block supposedly by XXXX XXXX which I hadnt had a loan with since XXXX. Went to mariner and found out that they said my title was supposed to be in their hands, XXXX informed me that my Loan was invalid, another loan officer screamed at her and said stop telling them that, it was valid!! His name was XXXX. I was told not to make another payment until she spoke with corporate. I didnt here anything from them for weeks. She informed me that the guy that did my loan Was fired and they had found several mistakes in other loans he did. I needed to give them time to fix this. So I I called them and all of a sudden they wanted me to make payments that I was behind. And wanted me to sign make the payments so they could do a deferment. I called the the DMV on XX/XX/XXXX, and a title with just mailed to them but the problem with that is, I traded that truck and give the title to the XXXX place and they had no problems and my truck was sold at auction. So how did they get a title for a truck that I dont own anymore. The DMV said they had a MVR signed by me and notarized, I have none of that in my records. When I talked with one of your agents I was advised to not sign anything or make another payment. It is spaculated that this guy went to my truck and got my tag and vin number while I was in the office and it is possible that the loan was made for XXXX and I received XXXX. I have spoke with them several times and stated that the only thing I was guilty of is not reading my paperwork. They have agreed none of this is my fault but refused to fix the problem. I would have continued to make my payments if I hadnt been advised by them not to. I spoke with XXXX yesterday and he told me I owed the XXXX and some odd dollars and I was 60 days past due and they couldnt do anything to fix this until I paid this, he got ugly with me and said we can go and I Quote tick and tack all day long so I hung up on him. That was XX/XX/XXXX. What makes me think something is shady is, I traded the truck months ago but they where issued a title around XX/XX/XXXX, on a vehicle that clearly belongs to someone else now. I looked at all the charges on my paperwork and Im paying insurance on that vehicle that I dont own and they refused to fix it without them getting all the money out of me they can in the mean time. I think it needs to be looked into of how I got a loan in XX/XX/XXXX and the title has been in my possession until I traded it 4 months ago but they still managed to get a title just last week. The last documents is a copy of the title that I obtain from the XXXX place.
Hi, I was contacted last year by XXXX XXXX XXXX, formally XXXX XXXX XXXX, about a student loan I was unaware that I had. They provided me a loan payment book with coupons that I was to send in every month with a check. The book also included a website where I could register to pay my loan off online. I paid the first installment via check on XXXX XXXX, XXXX. This check was cashed. 

I then tried to register on XXXX, but was unable to because my SSN was not registered with their system. Fine, I thought, they have my wrong SSN, but they were still able to cash my checks, so I'll just pay them this way. I continued to pay them monthly using the coupon book. 

However, I became increasingly frustrated in XX/XX/XXXX when I tried to contact them via phone in order to resolve the SSN issue. I wanted access to my account. I wanted to see what I owed and why, and what type of loan it was. I had NO information and NO access.

I couldn't speak with anyone though because either my SSN or my account number were required to move forward with the call. As I mentioned, my SSN didn't work, and it turns out that my account number wasn't registering with them either. This made no sense to me because my account number is printed on every single coupon I have. Further, I found it suspicious that they are able to cash my check every month with an incorrect SSN and an incorrect account number. I tried to contact them via email, but was unable to because I needed my account number for that as well.

Lastly, today I logged onto National Student Loan Data System and saw that while I could account for the 8 subsidized and unsubsidized loans and the 1 I pay through heartland, I could not find a 10th loan, which is what this loan is. I am paying off 10 loans, but can only find evidence of 9. My credit report also does not show that I owe XXXX anything. 

I don't know what this loan is and I have no way of finding any information out because this company has made it literally impossible for me to contact them. And yet, they have no problem cashing my checks.
Note : I 've attempted this approach before, without resolution. I need better support. 

Navient ( formerly XXXX XXXX ) continues to maintain that I missed a payment several years ago. They continue to charge me late fees. I provided all documentation they requested, including bank statements going back five years -- all of which shows I am not behind on my payments. I have repeatedly requested someone with the proper authority to contact me to resolve this ; no one has done so. 

I have also repeatedly requested that my account be updated to reflect my status as a customer who is current with his loan payments ; that I be credited all late fees and unnecessary overpayments ; and that the company stop contacting me about what is the company 's error ( not mine ).
I filed a dispute with Equifax on XX/XX/XXXX regarding student loan company XXXX/XXXX falsely reporting payments being made to them. The last payment made to XXXX/XXXX was in XX/XX/XXXX as documented on their website ( see attached ) however they reported to Equifax that I made payments every month from XX/XX/XXXX- XX/XX/XXXX ( see attached ) ** note in the complaint I submitted to your agency ( XXXX ) against XXXX and the same student loan company they only reported me having made 4 payments in the same time frame so they are reporting different information to different credit bureaus** I believe they are doing this in an attempt to keep it on my credit report longer. Given that the last payment was made to them in XX/XX/XXXX that would make the date of first delinquency XX/XX/XXXX NOT XX/XX/XXXX as they are reporting which means we are now at the 7 year statute of limitations and this should be removed from my credit report. Equifax has failed to update/remove inaccurate information from my credit report. Furthermore, Equifax has allowed this loan to be reported a second time on my credit report under XXXX with the same account number ( see attached )
Experian fails to remove the XXXX XXXX account. Experian reports incorrectly the current Date of Status. Experian reports incorrectly the date of first delinquency for removal. Experian reports incorrectly that this account is negative. Experian reports incorrectly that this account is scheduled to continue on my report until XXXX 2020 even though I received a XXXX Cancellation of Debt from XXXX XXXX. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
My car was recently repossed by XXXX XXXX XXXX. They failed to allow to me to pay the past due amount in order to have the loan reinstated and to have my vehicle returned to me. I called repeatedly to speak with the collections department but I was told everytime that it could take up to five business days before a decision can be made regarding reinstatement of my loan. In additon if the balance was not bought current within five business days the car would be sold at auction per XXXX XXXX XXXX rules and regulations. I recnetly received a notice from XXXX XXXX XXXX regarded the sale of my car dated XXXX XXXX, 2015. It stated that the remaining balance was {$10000.00}. The letter also listed questionable fees and expenses related to the sale of the vehicle. I contacte XXXX and requested an itemized breakdown of the fews listed : Tranportation ExpenseRetaking and StorageRepair and ReconditioningXXXX refused to provide me this itemized report and stated that by law they did not have to provide me with any documents related to this car, but they cointinued to request that I pay the balance due. Over a period between XXXX XXXX and XXXX XXXX, 2015 I have repeatedly made request for an itemized statement, but XXXX refuses to provide me with XXXX. I feel if I am to pay the remaining balance then I should be provided with a breakdown of all fees assocated with that balance. 
In retalation to my request for the statement XXXX has now begun to call my employer. Since purcahing the car I have changed employers and XXXX did not ahve my current employers number. Today around XXXX I received a call from a collection representative from XXXX XXXX XXXX payment. The individual was very rude and made gestures as to taking legal maters if payment was not made today. I tried to request that the individual not contact me again at my emplyer but they stated that they will continue to call until they get there money.
THIS IS NOT A REQUEST FOR DISPUTE OR REINVESTIGATION. 

This is a request for immediate removal of items that were involved in IDENTITY THEFT. 

Trans Union, XXXX  and XXXX removed these items then reinserted them with out notifying me in writing. 

Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that report identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports.
My elderly parents ' " XXXX XXXX XXXX MasterCards '' were stolen from their assisted living apartment. I called MasterCard when I discovered this. I provided my parents ' social security numbers, and XXXX confirmed that the address on the account had been changed and that fraudulent charges had been made. MasterCard would not speak with me further without a written power of attorney ( POA ) in their possession or oral authorization from the primary account holder, my father. I explained that my father had just had a XXXX, was partially paralyzed, was on a heavy XXXX regimen, was on XXXX, and could not speak to them. Nonetheless, they refused to speak further with me or to cancel the cards or put a block on the account. Some days later, I faxed them the POA. They advised it would take 3-5 business days to process the POA. I called back 4 days later. They still were not willing to speak to me, saying the POA had not been processed yet, but would be at some time in the future. They still refused to send new cards, change the account number, or otherwise protect my parents ' interests.
Well, Ive never received ANY communication prior from ACE regarding trying to contact me about my debt to them. Then I got a phone call from XXXX with my full name on the voicemail and mentioned that a company was trying to contact me to file a summons and a ticket in XXXX, but I have no tickets in XXXX XXXX and then referred me to XXXX and provided their phone # to contact them for mediation option. I contacted them and confirmed they are a company ACE hired to try and settle outside of court to offer an out of court settlement of {$800.00} dollars but only offered to pay in full or split into XXXX payments which financially is unreasonable for me to do. They mentioned the company would then take me to court for check fraud, but I did not do check fraud. I simple had unexpected expenses come up and was unable to pay the debt back and yes I had to close my bank account because they would keep drafting me which I could not afford to have happen or my rent would not be paid. I would be willing to work a small payment monthly back to take care of this but they wont do that. The XXXX rep also mentioned they can file judgement against me which can affect my car loan I pay monthly on. I can not afford to have issues with that considering my father has signed on my car loan and to my knowledge ive never heard of a company being able to do that for collections. I feel this is harassment considering Ive never got anything in writing prior to this and I do n't feel its right.
Conn 's repeatedly calls between the hours of XXXX - XXXX cst. I have counted today XXXX XXXX, 2015 8 received calls from their bill collection department both human operator and automated. Within the past 4 days I count exactly 27 calls from them. I 'd like to see restrictions imposed and fines if deemed necessary, I do n't think they realize that calling as often as they do will not materialize money to pay them with.
XXXX   XXXX  is not reporting the correct payment amounts that are being made monthly. I 'm currently making over {$600.00} a month payments and only receiving {$35.00} a month and credit on all  XXXX  credit bureaus and this is affecting my score. When I spoke to the company rep I was told to take it up with the credit bureaus and  XXXX   XXXX   XXXX  would not do anything to correct this issue.
Troy Capital LLC has placed a non validated or verified account on my Credit Report. This account XXXX Pursuant to the FDCP XXXX XXXX, I tired to get a response and I was no response back for over 30 days.