WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax mishandled my personal financial information and neglected to implement proper security functions in their data storage. The data breach announced on XXXX XXXX, 2017 likely included my information. 

Nothing has been done by Equifax to notify me personally. It was announced publicly over a month after it was detected, and nothing was done to indicate who may be affected. I only learned about the breach and potential remedies through social media. 

As a credit reporting service, Equifax automatically and unavoidably has access to much of my personal information. Since credit reports are required for most major personal life actions, individual consumers have zero market power over these credit reporting companies. Thus there is nothing that can be done practically to keep this from happening again, both personally and as a nation.
Hello, my name is XXXX XXXX and earlier this year I refinanced my house with a group called XXXX XXXX XXXX. On the first day after closing, I set up automatic payments with XXXX and thought I would be set up for the foreseeable future. A month or so later, XXXX turned the loan over to another company called Provident Funding. I received information from XXXX that I would need to create a new account with Provident and set up payments by XX/XX/2018. The first week of XXXX, I received a letter from Provident stating that I could pay them via check or online. On XX/XX/2018, I set up auto-payments AGAIN and thought I would be set up for the foreseeable future. On XX/XX/2018, I received a call from Provident Funding " about my account '' and asked for me to call them back. Within 24 hours, I returned their call and was in contact with a customer service representative. The representative stated that I was late on payments and needed to pay as soon as possible. Confused, I stated that I set up automatic payments and was expecting a draft within a few days. The representative insisted that I needed to make an ADDITIONAL payment or they would report me to all the credit bureaus. I was confused and frustrated that I would need to make a double payment and insisted to know why. Finally, the representative stated that setting up auto-payments does not cover the initial payment period and I would need to pay for the initial payment period separately. I immediately pulled out my checkbook ready to pay as I have never missed a payment for anything in my life! The man stated that he would be more than happy to process a payment over the phone for a ~ {$7.00} fee. Befuddled, I asked why they would charge me more money to accept my payment. He stated that I could pay online and there would be NO FEES OR PENALTIES. While I logged into my account, I asked the person to hold so there would be no further issues. Upon logging into my account there was an additional {$100.00} fee attached. I inquired what this was for and the representative stated that it would not have been there if I would have paid 3 days prior ( coincidentally the day BEFORE I was initially contacted. ) I stated that I thought the {$100.00} fee was unfair and I would be happy to make two payments today, but thought an additional {$100.00} was unfair and, frankly, unreasonable. The representative showed no compassion and stated that they would do nothing for me. I asked to speak to his manager and received the reply of, " I am the manager, there is nothing I can do. '' This was altogether one of the worst experiences I have ever had with ANY lending company and I am ashamed to say that I am having my loan served by Provident Funding. I hope that the CFPB can encourage better, more ethical, and less predatory fee practices from Provident Funding, or at very least, increase their communication to their customers to avoid unnecessary fees. PLEASE HELP!
Transunion is will not remove fraudulant inquiries from my report that include XXXX XXXX  XXXX XXXX on XX/XX/2018 as well as XXXX XXXX on XX/XX/2018 need removed for my job
I sent all three credit bureaus a certified letter to investigate this XXXX XXXX XXXX hard inquiry XX/XX/18 and XX/XX/18 from my credit reports. It has been well over 60 days and still not heard from any of the bureau. This violates the FCRA laws that are in place to protect consumers. The bureaus are to report accurate information and respond to disputes in a timely manner. This hard inquiry has caused hardship to me and stress as well as I being denied credit and home loans.
I have an XXXX XXXX XXXX that was paid on time. 
New bill arrived 10 days ago. Within two days, dunning robo calls began daily at about XXXX XXXX. 

Called customer service and set up payment date for end of month. Still calls are occurring XXXX days a week. 

Company is USAA.
On   XXXX   XXXX   XXXX     the IRS withdrew a lien against me and my wife. I filed a dispute with Equifax and  XXXX  to have this lien removed from my credit report. Both agencies have reported the liens as verified even though I provided copies of the IRS form  XXXX  and this same form was recorded with the   XXXX   XXXX   XXXX   office on   XXXX   XXXX   XXXX   Transition removed this from my report within days of the IRS withdrawal however  XXXX  and Equifax have failed to do so despite submission of all of the legal documentation required.
I have XXXX credit cards : TJ Maxx, Wal- Mart and Belk , all through Synchrony Bank . XX/XX/XXXX, Belk decreased my credit limit from {$900.00} to {$860.00} based on my credit report and not the fact that I had not been late and was paying on time. Then XX/XX/XXXX, I experienced a financial setback for which I spoke with a customer service representative for Wal-Mart/Synchrony Bank. The representative set up payment arrangements drafted from my checking account, and she advised me that my account would remain open as long as I made payments. Then come to find out, customer service lied because my account was closed and turned over to a collection agency. I called them, sent a letter, and informed them about their lying business practices. I complained about them turning this over to a collection agency, which now has a negative hit on my credit, especially after I was making timely payments. Wal-Mart/Synchrony Bank took the account from the collection agency, and I began making my payments at the store. However, they refused to re-open my account even after I paid it in full. 
Mind you, I have the TJ Maxx and Belk cards through Synchrony Bank, which I was paying on time and maintaining. Then on XXXX XXXX, XXXX, I paid {$800.00} on my Belk card, still leaving a small balance and {$500.00} on my TJ Maxx card. Then two weeks later, XXXX XXXX, XXXX, I received an email copy of my statement saying my available credit was {$9.00}. So I called the next day about my emailed statement, for which no one could answer but advised I would be getting a letter in the mail stating why they decreased my credit. I believe they knowingly chose to do so to adversely affect my credit score. I pay my balances down below the 30 % so my credit score can increase, and two weeks later Synchrony Bank makes this decision regardless of me being a member for years, paying on time, and having multiple accounts/cards. I truly believe Synchrony Bank, formerly GE Capital, is back to its old, unfair practices greatly affecting people who are working hard trying to maintain their credit scores. The reason I know this is unfair, they have reduced my credit line twice within a year 's time. Why would my account be flagged so, especially with me paying on time? How could a bank possible justify going from {$900.00} to {$170.00} within a year 's time and the customer has been making on-time payments.
XX/XX/2018. This site does not seem appropriate for the type of complaint I have. My complaint/concern relates to information sharing. My personal identity and transaction information some how was provided to XXXX. First let me explain that my identity on XXXX is not the same as my banking information. Yet XXXX suggested a person I conducted business with three times through Wells Fargo 's XXXX service as a possible new friend. 

I called Wells Fargo and was unable to speak to anyone who could address this issue. I called the Federal Reserve Consumer Help line and they said that Wells Fargo was a national bank and not under their jurisdiction. I intend to try to contact XXXX executive offices and the FCC but filed with your agency first because the Federal Reserve Consumer Help desk suggested it.
There has been recent changes to my Equifax Credit Report, I requested for Equifax to send me a copy of my credit report so I can confirm the changes and that my credit report is reflecting accurate information. Equifax has failed to supply me a ud to date credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2018 Dear Ladies and Gentlemen : This communique is a complaint against Wells Fargo. Wells Fargo has charged 3 overdraft fees against me illegally. The only charge that I should have is for XXXX XXXX gas station. 


The other deductions for XXXX, XXXX XXXX, and XXXX XXXX were made before the XX/XX/XXXX charge at XXXX XXXX I checked my accounts to see if I had the funds to go to these fast food restaurants, and the funds were sufficient. 


This is the third time that Wells Fargo has illegally charged my account. Previously, they charged my account, and I made the automatic transfer from my checking to my savings account. So, I shouldn't have had to pay fees for accounts. 


Your immediate response will be highly appreciated. 


Sincerely, XXXX XXXX
I had auto pay until slimy Navient took over. They dropped it though I have been always able to pay my loan with ease. They said on the phone it would be brought back. When I do not pay manually on their web site, they have harassed my XXXX year old mother, -called her today on XXXX too. They are rude to her and do n't have the guts to call me. They do not set up auto pay and call people every day to harass them to pay or just pretend to call. A live operator should have to call, no robo calls and ID themselves right away. 
They have also monkeyed with my loan to gain more $ and sham late fees. Do n't let them get away with it. Thank you.
I have disputed 2 medical charges that ended up on my credit report with all 3 credit bureaus. XXXX   and XXXX have responded and stated that I was correct and these were not my bills nor could have provide valid proof and they have removed these from my credit record. Equifax on the other hand keeps saying that the charges are valid and will not remove nor prove signature they are mine. I show proof of ID and sign EVERY time I get anything medically done. Equifax has dropped my credit another XXXX points yesterday because of this and it is truly aggravating and destroying my credit that I have worked very hard on. Please show valid proof or remove these from my credit and store my points XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$240.00}
XXXX, XXXX XXXX, and Servicer, Seterus, Inc. have violated the Truth-in-Lending ACT Section 129C : 1411, 1412, 1414, that when issuing the Mortgage Modification to XXXX XXXX # XXXX and XXXX Loan Modification # XXXX, Seterus XXXX ; there is an apparent disregard for the " Ability-to-Repay Rule. As a result, I am paying the monthly mortgage, but do not receive credit to the credit reporting agencies. 

Property address : XXXX XXXX XXXX XXXX XXXX, Georgia XXXX I am a authorized third-party on the loan, and Joint tenant on the " DEED. ''
I. C. System, Inc. sent  a letter on    XXXX   XXXX   2017.  The claim, the creditor is  XXXX , the collection ag ency I.C. System, Inc.  is claiming to represent  XXXX  ; claiming we have a balance due of {$100.00}. Because we have a very detailed records retention process, we pulled up every bill paid on the account in question ; all bills were paid on time, the account was closed, and the  Creditor  sent us a chec k on   XXXX   f or money they owed us.  <P/> I contacted  XXXX    X/X/17     at   XXXX   XXXX  , spoke to  XXXX , who doubled checked our closed account, her response I quote : " your balance is  XXXX , you 've been a excellent customer, would you like to come back to us? '' I asked one more time, do we owe  XXXX  anything, " no you do not, ignore the collection letter, it sounds as if you 're being scammed. ''
I have spoken with numerous people in regards to this issue as well as sent several certified letters. I know nothing of the medical bills from  XXXX . I asked for written verification as well as signed contracts with my signature for  XXXX  ... there were  XXXX  accounts on my report for transunion in which  XXXX  were deleted yet  XXXX  remains and  XXXX  JUST REFUSE TO DELETE ANYTHING AND REFUSE TO SEND ME WHAT SIGNED CONTRACTS ... .AS well as other companies with medical bills I have no knowledge of from   XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX  SERVICES AND  XXXX   XXXX  SYSTEMS on my report in which I have asked numerous times for valid validation ( signed contracts with these companies with MY SIGNATURE ... dates etc ... ..I HAVE NOT RECEIVED ANYTHING yet they still appear on my credit report as mine ... HOW IS THAT POSSIBLE? ..HOW ARE THESE FRAUDULENT ACCOUNTS VALIDATED? PER THE FAIR CREDIT REPORTING ACT THESE COMPANIES ARE IN CLEAR VIOLATION OF MY RIGHTS ... HIPPA LAWS AS A THIRD PARTY REPORTING AS WELL ....
I am disputing the derog reporting on my credit report. I do not have nor did I apply with the creditor.
On XXXX XXXX, 2015 I viewed my online checking account through 5/3rd banking and I realized I was in an overdrawn state of $ XXXXin my checking account. I was charged recurring for 3 days on XXXX XXXX, and XXXX without notification that my account was in a negative state. Upon paying the balance I called the customer service at XXXX and spoke to both a XXXX and his manager XXXX and I complained that I was not notified via email or even by phone that I was in a negative state. I did however receive a letter on the XXXX of XXXX stating that my account was overdrawn. I told both gentleman that it was unprofessional and uncourteous of the bank to not notify me sooner about this problem. XXXX the manager said that the bank does NOT notify by email or phone and that they only notify by only by letter. My concerns are that if this is the case why did a letter not come any sooner and why did it take 7 days for me to be notify. I am also concern that since it was a holiday weekend had I not been home for the holidays I would not have known about this problem until afterward and could have potentially been hit with more overdraw fees. Upon opening the account I had asked the bank to not process anything if there were not sufficient funds in my account. I suspect that 5/3rd computers are program to send letters after generating more than XXXX overdraw fees recurring thus putting the consumer in financial risk.
Ocwen uses Fraudulent Practices to Try and Seize our HomeIn XXXX states Ocwen is known for their predatory lending practices, dual-tracking loan modifications and robo- signing of documents. Now it is happening again here in IL to US! 

When Ocwen could not sale our home, they tried to buy it back for themselves on behalf of the bank at a much lower price, after they had charged off our entire principle balance. While at the same time putting us through a loan modification process for a much higher price. In addition, in rare cases are foreclosure filed in federal court, however, our is such a case. While the XXXX judges constantly denied the confirmation of the sale to Ocwen, in this latest event on XXXX XXXX, their attorney advised them to proceed with the sale in lieu of the Judge 's order. How is that possible? 
Where do we go from here if:1. Ocwen was allowed to charged off our property, issued us a XXXX, closed the account and have no communication with us the borrowers2. Then turn around reinstate the account for purpose of a Sale, without a court order? 
We are asking you to investigate this company and help us TO SAVE OUR HOME!
In a statement sent to me in  XXXX  my balance reflects a balance of {$910.00} of which there was still an outstanding billing dispute for over {$500.00} as well as a charge for a service provided by USAA which I am prevented from receiving. This statement had a due date of  XXXX / XXXX /17. Upon receipt of this statement my account had already been closed by USAA for a month, preventing me from using it further. Despite this, I have not received any new statements however on my credit report this VISA account is being reported with as having a balance of {$6600.00} as of  XXXX / XXXX /2017. As this account was already closed as of the date of the previous statement, and I have yet to receive any new statements or explanation I must raise a complaint about the billing practices employed by USAA. Furthermore,  XXXX / XXXX /17 I was informed USAA would be issuing credits for the previously disputed charges which were charged back onto my account in violation of the fair billing practices. Instead I only see balances increasing on accounts which USAA closed, while not being given an explanation, reason or justification for these phantom charges.
These accounts were in dispute, and closed as a direct result of my first complaint to the CFPB, which itself was also a violation.
I am constantly getting calls about differ t amounts and what I need to pay or am required to pay depending on who I talk to.
I reached out to Experian before about someone trying to apply for credit in my name. I have been working hard to improve my credit so I can buy a house in the future. I have taken money management classes and I have learned what I can about credit. The only problem that I have with Experian is the fact that I put a FRAUD alert on my file. I assumed that it would stop whoever keeps running my credit. I thought that they were supposed to call me when an inquire for credit was requested. Yet, I have never received any calls and someone is still ringing up inquires which I did n't authorize. I am afraid that one day in the future they will be able to obtain credit in my name which I do n't want to happen. I woke up  with 10 plus inquires from other CB. I 'm so lost right now, I do n't know what direction to go. I have more inquires that I did not authorize and I would like them removed and also pointed in the right directions on what I should do to completely stop this. I lost my wallet last year and I never thought that it would come back to bite me all over again. There is only ONE inquire out of the 7 listed that I personally did myself because I applied for an apartment since my husband and I separated. These are the inquires that were not authorized by me. XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX XXXX.
I received feedback from LexisNexis referencing an address where I told lexisnexis that my identity was stolen, and used, the furnisher pacer has stated that they do not supply addresses, please remove this inaccurate ch XXXX bankruptcy # XXXX account from my record, I will include the ID THEFT packet to show that my identity was stolen, along with the local police department and FTC report
I was denied the chance to continue an application with the XXXX program, by Doral Bank XXXX XXXX XXXX, which has dissapeared and was bought by XXXX other XXXX banks, because I have a HOME OFFICE in the lower floor of my house. I do not know it a XXXX lender can really deny me this service. I really would like to refinance my mortage, so I can lower my mortage payments, just as XXXX other XXXX citizens have done. Please respond to my question, as I am very unknowledgeable of these complicated finantial issues and no one else has bothered to answer my question, here in XXXX XXXX. 
Thank you very much. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
On XX/XX/2018, I closed on a new home in the Maryland area with Quicken Loans. The closing was originally scheduled for XX/XX/XXXX but was pushed back for Friday XX/XX/XXXX .To my surprise during the signing of the documents I was shocked to learn that my first payment would be due in XXXX. I called the gentleman who had helped me throughout the process about this and he apologized stating that " the person servicing the loan, never changed the date and unfortunately it was an oversight ''. That was the 1st issue. 
At the same time I was on the phone with the Quicken Loan rep trying to see if this could be resolved I signed the paperwork, only to realize that he included ESCROW on my monthly payment WITHOUT DISCUSSING THIS WITH ME! I put 20 % down and my credit score is XXXX, why would they automatically apply that to my monthly balance and not give me the option to pay for it separately?! I called, spoke with too many uninterested and frankly unhelpful investigators at Quicken Loan whose sole purpose is to protect the organization against admitting any liability. That was the 2nd major issue. 
In XX/XX/2018 ( 3rd month in the loan ) I receive a letter stating that there is a manual disbursement on my property tax and that now I OWE QUICKEN LOANS over {$5000.00} which will be applied to my mortgage! I called and spoke to another investigator and questioned them how could this happen. I signed mortgage documents less than 3 months ago agreeing to pay {$2800.00} and now you they are trying to force me to pay {$3300.00}. As they naturally did, the investigators provided no solution and they stated that it was not their responsibility. That is the 3rd and FINAL ISSUE.

I am just one person and do not have access to the same resources that Quicken Loans has, however make no mistake, THERE IS RIGHT WAY to do things AND THERE IS WRONG way to do things. These issues could have been rectified in private if they showed a willingness to take responsibility and act accordingly, they didn't.
I am 60 days late on my auto loan. I have explained to the bank ( USAA ) that I am unemployed. Since they can not do or offer a deferment I asked if I could short sell the vehicle. I would like to take it to a dealer and try to get as much as possible. I know I 'll still owe the bank money but I 've estimated that a short sell would create a deficit of around 8,000. If they repo it and throw it on a repo lot that deficit could exceed 11,000. That 's 3,000 and could possibly be up to 4,000 that I 'm basically being forced to take because they do n't want to deal with a short sale. I even said I would bring the vehicle to them, their response " leave it at your house, our repossession unit will come get it, there 's nothing we can do ''. Is there any way to negotiate this?
Dear XXXX XXXX XXXX XXXX. 

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX XXXX. 
Made on : XX/XX/2017 and XX/XX/2017 Made with : XXXX, XXXX, XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.