WillisBack/dataset-financial-user-claim huggingface dataset:
" Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. '' " Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' " Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from midXXXX through XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' My personal information was confirmed to be compromised via their website, www.equifaxsecurity2017.com.
I have a credit card with Capital One. it has a small balance and the {$26.00} minimum payment was due XXXX. On XXXX/XXXX/17, I made a payment for {$26.00} online, but it was erroneously from a bank account I had closed, that was still listed on Capital One 's site. I did n't realize this. I then made what I thought was an extra payment for {$26.00} on XXXX, from my Cap one bank account online. When on the credit card 's site, I can choose the bank account to pay the payment from. I have a Cap One checking and savings account, and it said the available balance was {$37.00} on XXXX account, and {$46.00} on the other. So either account should be able to handle a {$26.00} payment. 

As it turns out, this payment was rejected too, saying insufficient funds. After realizing this I called and Cap one said that they were holding the last {$15.00} deposit for verification from my bank, XXXX Bank. Which I understand -- but that should n't be listed in the available balance then and it is with Capital One when I am trying to pay the credit card online. This is grossly misleading at best, and just plain fraudulent in my opinion. Available balance is supposed to be the funds that are available, not that ones that will be available. So, with that payment being returned, I was n't aware and after thinking I was paying extra for the month, the payment for this month was n't made on time at all and I incurred a late fee and possible late on my credit report. Capital One has removed the late fee but say they ca n't say how the account will report. When I look at the payment history for the credit card, it shows payments of {$26.00} made on XXXX and XXXX. NOWHERE on that transaction history does it state those payments were returned or reversed. So this is false, as well as the available balance on the checking and savings. I believe it they are providing misleading and false information that is a detriment to my credit history and financial status. There is no transparency with my finances that are with Capital One and this has been a negative experience that could potentially be repeated since they do n't report their own accounts accurately or in detail. I don ' feel this is fair practice and am considering consulting a lawyer.
I disputed a tax lien that should not be reporting on my credit file to Equifax over 90 days ago. I still have not gotten a response on my dispute and they continue to report the erroneous tax lien.
I received a letter from XXXX on behalf of Navient, offering to settle the private student loan debt claim against my account. The settlement offer was very desirable to me. I was preparing to accept the agreement and make the payment after some legal research and advisement, but two days later I received a letter stating that the previous settlement offer was in error, and they actually wanted more than triple what they asked for initially. There is nothing on the original letter that would arouse suspicion, such as any percentages or other numbers not adding up, nor did it sound like a misplaced decimal, so this was shocking to me. I felt emotionally crushed after being misled all weekend into thinking I would finally resolve the debt claim. It is not the first " error '' settlement I 've received, and I 'm wondering if this is a tactic to trick the debtor into engaging with the collector in order to acquire information and/or reset the clock on the statute of limitations.
After an internet search on a " XXXX '' website I was contacted by XXXX XXXX in XXXX XXXX XXXX. The particular salesperson who gave me a firm offer to purchase a new 2009 XXXX XXXX XXXX, with the exact options I need was not available when I went to the dealership to purchase the vehicle and sign fraudulently induced loan documents with XXXX XXXX XXXX XXXX, my note eventually sold to Ally Financial Services. The salesperson had me " robo-sign '' documents in blank. He acted fraudulently as I had automobile insurance at the time on the vehicle I owned before I bought the 2009 XXXX XXXX XXXX, with the XXXX XXXX of XXXX, and told the agent of Ally. Instead, he fraudulently went, upon information and belief to some local insurance agent he had an arrangement with, and without my consent purchased automobile insurance with a company I have never heard of, XXXX, who I never purchased an automobile insurance policy from, as I was insured with XXXX, but they are still reporting on my credit report as a negative collection account. Further, the salesman knew my son, XXXX XXXX was not licensed as a XXXX Driver, and as I was told after the fact by XXXX XXXX, the dealer should have never sold me the vehicle, as my son, was the primary borrower as I needed his income to qualify. Ally through their agent at XXXX XXXX told me I was getting XXXX which I did not receive based on the agreement I signed in blank. The dealership was told my son 's father, XXXX XXXX, ( XXXX-of blessed memory ) lived in XXXX XXXX XXXX, and my son said they could contact him as an emergency contact. The fraudulent salesman told XXXX that I lived in XXXX XXXX, and my son did, which caused a major family conflict. I have never lived there, nor has my son, as the dealer had my driver 's license, and my son XXXX State of XXXX Identification. Ally refused to provide me with accurate accounting on my account. I should have been paying on a new car loan as a priority buyer, not the figure they submitted to XXXX on the document I signed in blank.Please investigate Ally and have them refund to me the monies they owe me for their agent, XXXX XXXX putting in fraudulent figures, and acting fraudulent in violation of then existing XXXX XXXX policy, and in violation of the rules of the State of XXXX Department of State regarding new vehicle registration.
There was a fraudulent " hard inquiry '' on my credit report from someone using my name and SSN to  apply for an account with XXXX. I have no account with XXXX  and my SSN was used fraudulently. I have spoken to XXXX and Transunion. I was told from Transunion to get a letter of deletion from XXXX, and XXXX told me to contact you all and file a complaint.
The company has failed to remove the credit information being reported to multiple Credit agency 's. The information they areProviding g to the agency 's is inaccurate. They failed to provide proof of debit, dates of debit, and bankruptcy discharge information ect. I have had no account with XXXX for over 10 years.
I am a victim of identity theft residing in the state of California. The fraud event has been reported to the police and a police report has been filed. 

I have recently placed a security freeze on my Experian account. On multiple instances I have attempted/completed a request for a temporary lift of the security freeze. In every instance Experian has charged me {$10.00} for the service despite my documented identity theft - a direct violation of applicable consumer law ( s ). 

Experian 's customer service is inaccessible and I am unable to accurately report the issue or discuss the process for correction directly with a company representative. Instead, I am directed through an extended and inapplicable automated system and the call is arbitrarily terminated without addressing any concerns. 

Experian has developed a system that does not appropriately allow consumers to contact their agents and/or address complaints or issues - including those that may be associated with violations of consumer law ( s ).
On   XXXX   XXXX   I sent a payment of {$5000.00} towards the principle to  Santander Consumer USA. The extra payment I sent was not 100 % applied to the principle. They took a percentage and applied it to the principle and the other percentage was taken for interest.   <P/> I had received statements in the past, but did not receive the statement for the month of  XXXX  from  Santander Consumer USA reflecting the {$5000.00} amount I s ent. The last statement I received was on  X/XX/2017   . This statement did not reflect that payment of {$5000.00}. I reached out on   XXXX     because I was worried they had n't received it. It was then that I was told that {$4900.00} and change was only applied to the principle and the rest was taken for interest. The rep that helped me did not know why the whole {$5000.00} was not applied to the principle. As mentioned above, they never sent me the statement reflecting this payment.
Please find the attached letter sent to Sequoia Financial. They have no claim to this alleged debt at all.
XXXX got a loan for XXXX back in XXXX 2016 ... ..supposed to a six month or early pay " will send attachment '' ... .made payment every Bi Weekly ... ..at first I had no problems then notice then extend my payment schedule to 12 months without my knowledge ... ..I all ready gave {$1000.00} more than enough to pay back loan ... .they tell me its just the principal interest ... ..at almost 980 % interest rate ... .I cant afford it any more and payments have going up .... now effecting my car and rent other bills ... I have stop all communication from them
XXXX I write checks to many companies. My bank is Citizens Bank. XXXX XXXX company deposited checks XX/XX/XXXX. They scan and deposit like many companies. Somehow by mistake, XXXX XXXX redeposited XXXX of the checks from XX/XX/XXXX physically through teller. My bank cleared it again. When I call to clearify what has happened, one of their supervisor told me they do not have system to stop this yet. They will refund my account 24 to 48 hrs. Thats not my problem. My problem is that big banks does not have this fail safe system set up to stop such a happenings, it is literally scary. So anyone or any company could redeposit checks that is already scan for deposit it will get clear and they will have double the fund and consumer will be out of money for the time until bank or somenone catches it. If someone wanted to fraud you, they could redeposit scanned check and run with it. Citizens Bank supervisor told me, not only their bank but other banks do not have that system. Now this is really scary to consumer like me. Big banks should have thought about this when they did photo image depositing. What were they thinking?!. Honor system. This is my problem and it should be with others too.
We have currently been in the process of a Deed in Lieu since XXXX of 2015. The last information we received was that the paper work was being drawn up. I was told this on XXXX XXXX. My loan POC is XXXX XXXX at ( XXXX ) XXXX. I have not been able to get in contact with him for two months to get an update. I have called several time and left several messages. This is has been an ongoing issue that seems to be an attempt to get me to give up on the pursuance of the Deed in Lieu. The last time I received an update and the status of my Died in Lieu was updated was after the CFPB intervened. I was informed that I needed special paperwork signed and notarized to move forward. This paperwork was submitted on XXXX XXXX.
I purchased my home at in XXXX XXXX. The Loan was through XXXX Bank who then sold the mortgage to a company called Nationstar Mortgage. This occured in XXXX and my XXXX property taxes were due to be paid out of escrow. Nationstar Mortgage never paid the property taxes and I was never given an escrow check or compensation for this failure. I only discovered this fact as I went through the process of refinancing. Nationstar Mortgage 's failure to pay property taxes when they were due, out of my escrow account caused hundreds of dollars in fees to accumulate on the account. Since I am ultimately responsible for my property taxes I paid the property taxes due from XXXX on XXXX XXXX, XXXX to include the accumulated fees and charges. To attempt to resolve this issue with Nationstar has been a nightmare. I have since received part of what is due to me out of escrow and am waiting to receive the final balance on my escrow account as my loan has been paid and closed due to my refinance. The part Nationstar will not assume responsibility for or offer payment for is the late fees and charges that built from their failure to pay XXXX taxes. My intended resolution for this conflict is for Nationstar, at a minimum, to pay the difference of {$490.00} in additional fees that were accumulated due to their error in not paying my taxes. I have attached a spreadsheet summarizing the cost analysis and included is a link to the city of XXXX property tax records to verify the information. I am thankful I caught this issue when I did because if it continued to go unnoticed it could have resulted in a tax lien on my property and potential for my own home to be sold out from under me. I had to pay out of pocket to resolve this issue initially and am now waiting to be compensated by Nationstar.
Account was hacked and I filled police report, me nor the officer and get in touch with the investigator, whom seemed to disappear after I filed police report.
I have a bluebird american express card purchased at XXXX. My account has been frozen and is under review. I was told this process would be completed in four business days. I called to check the status on this at least 4 times. Each time I was told 4 business days. I called back on the 4th day and was told i would get an answer by the end of the day. What time was considered the end of the day could not be provided by the agent. I heard nothing and called back again. I was then told it would be 5 business days. the agent said i was provided the wrong timing. How could that be XXXX different times by XXXX different people? I got the same answer that I was provided the wrong information and I would get an email about the status of my account. I called back the next day to check again. I was told an agent called me and did not get an answer so I would have to wait two more business days to get another call from them. I told the agent I was informed I would be contacted by email and that I was at work at the time I could n't answer the phone why do I have to wait two more days. A supervisor then got on the phone and said she would check and see what the next step was and she would call me back by XXXX eastern time. I got a call back at exactly XXXX XXXX and was told again they did not know the status and could not provide me any timing. I asked if there was someone in this mysterious backroom I could speak with. I asked if they needed more information or was there anything I could do to get an answer and my funds released. The answer was " the backroom office is unavailable and they are closed now anyway. I feel like this person waited to call me back until there was nobody else to speak with because they had all gone home. My payroll check is deposited on this account and my children have been at home alone for this amount of time because I did not have the money to get home to them, I also have been sleeping in my car because of this hold that nobody seems to be able to explain. I work hard for my money and it is too late for my payroll check to be deposited to a different account. I have now had to miss my children and their activities as well as being forced to sleep in my car due to this conflict of information and lack of an explanation for the hold on my account. The last answer I received at this time is " All the supervisors know my situation and when they hear from the backroom about the status of my account or what steps to take they will contact me. '' I asked when I might expect something and the answer was. " I ca n't provide timing, we are waiting to hear from the backroom. '' I feel like I have been getting the run around and want the company to be honest and forthcoming with information. I have no problem providing any information needed in order to get my paycheck.
Experienced harassment and unnecessary delays in processing a mortgage from Wells Fargo that resulted in having to walk away from the mortgage. Initially told that I qualified in early meeting XXXX. Provided two years tax statements, paycheck stubs, signed dated gift letters, employment check and credit check info at time of signing early XXXX Had XXXX requests to put gift letter on official form, initial information, provide bank addresses, provide POA letter ( on XXXX different requests weeks apart ) and ALL gifter account numbers ( even though XXXX gifter has already transferred the money ), explain all banking transactions for last 6 months, changed amount personal money required, etc etc. XXXX gifter was told that it was illegal for him to put the gift money into the buyer 's account. Never got a closing date up to less than a week prior to required closing ( XXXX XXXX ) even though every request for information was satisfied within 24hrs of the request. Very Bad experience. Very poor communication. Despite request up front to let us know what was needed, the requests came in piece meal and often several times on the same documents. Never returned calls to elicit the status and requirements. Seemed that since the mortgagee was a single woman, there was indifference to making this process acceptable. Would definitely recommend that individuals seeking mortgages avoid going to Wells Fargo.
My attempts at securing a travel rewards credit card with DISCOVER were a joke. 

They requested proof of address and proof of social security coverage. I submitted a statement from XXXX insurance with my proper address on it. 

At the same time I submitted a page from US.gov.socialsecurity with a copy of my social security card at the bottom. 

When I called to verify the receiving of this information, I was told that the social security card was too dark and that the XXXX statement did not have a date on it. 

Because I am visiting family away from home I was attempting to secure this card before I have to pay off some large upcoming bills. 

This was very frustrating. I began by trying to submit the documentation electronically via computer. The DISCOVER card system only accepts certain types of files, not including WORD. Attempts to try to convert to these files were unsuccessful. So the next step was going to the local library to make copies of the above mentioned files. Next was a trip to XXXX to pay {$2.00} to fax this information to DISCOVER. 

I had spoken to a person a few days before and they assured me that my documentation would be acceptable. Now after running around to try and provide acceptable documentation, I am told that what I submitted is not acceptable. 

The irony is that I have outstanding credit and DISCOVER has just lost a very serious customer who had planned to use this card as my primary credit card. 

CONGRATULATIONS DISCOVER! You just alienated a loyal potential customer. Your loss. There are other companies that want my business. 

XXXX XXXX XXXX
ALLY BANK stole XXXX and would not return the money to me. they are saying that the account had {$0.00}
on XX/XX/2018, an amount of {$330.00} appeared on my credit report on XXXX XXXX. I recently just submitted a complaint. It was in regards to XXXX XXXX and debt that was owed by a family member that knows my information and put the collection on me.We also have the same name its my dad. I live with my mom and the bill is in her name, I'm XXXX years old. The creditor is XXXX XXXX I believe but has been reported by " Transworld systems '' but shows on my XXXX XXXX. I need help to removing this please.
Ive been working with a company called AES to help with my student loan paymebts to keep them current. I understand that my {$85.00} a month isnt going to make a dent in my XXXX student losn debt but i just found out that money hasnt even been applied to the loan then they offered me a student debt forgiveness program {$40.00} a month instead of {$85.00} and after 20 years of these payments the remainder of my debt will be forgiven?? Why cant i pay {$85.00} and make it 10 years or {$160.00} and make it 5 years why do i need that debt hanging over my head for 20 years when i couldnt even get a job paying XXXX a year???
I can not afford to pay such a large amount. I do n't recall the details of this debt. A more reasonable amount and better explanation of the details of this debt would help me to understand and/or pay it.
I habe received numerous letters from a collection agency regarding a XXXX bill that I do not owe. I replied several times including copies of bills that show there is a XXXX balance, but I continually receive letters that they checked on this and that I still owe this bill. I have now wasted so much of my time speaking to both the billing office at the doctors office and speaking to this debt collector and writing letters that it has become ridiculous. It is not the money but the principal of the matter that I should have to pay a bill I do not owe. Also I am worried about my credit, which I am trying to reestablish after a bad credit history due to a criminal act. Please help me with this.
SYNCB/LOWE 'S DC ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify SYNCB/LOWE 'S DC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SYNCB/LOWE 'S DC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
On XXXX XXXX, 2017 my name was ran for a car loan inwhich I did not approve this company to run. There's no verifiable document between me and this company, this inquire was unauthorized.