WillisBack/dataset-financial-user-claim huggingface dataset:
It appears that in XXXX, 2017, Equifax improperly handled the financial and personal information of many people, and it appears that I am one of the people exposed. My SSN, name, address, credit card numbers, and other identifying information was released and could be used to damage my credit score and make me liable for damages.
I submitted my basic information on XXXX XXXX, and someone claiming to be XXXX XXXX with Cardinal Financial called as a response to the XXXX XXXX   inquiry. I supplied her with the information ( XX/XX/XXXX ) she needed to get the appropriate rate quotes on HELOC and fixed rate second mortgage options, but Ive received nothing in return. Im concerned this might be identity theft.
Purchases totaling {$27.00} were made XX/XX/XXXX and XX/XX/2018 using Lowe's/XXXX XXXX Credit Card . Electronic delivery of statement was missed and {$25.00} payment due on XX/XX/XXXX was made two weeks later on XX/XX/XXXX. The remainder of the balance for purchases plus interest ( {$3.00} ) was made XX/XX/XXXX when the next statement arrived. Interest on {$25.00} for two weeks calculated at the statement rate of 26.99 % annual is approx. {$.00}. ( XXXX XXXX  ).  Lowes assessed a late fee of {$25.00} on the original purchase amount of {$25.00} ( purchase amount was paid two weeks late ). That is equivalent to approx. 200 % per month or 2400 % per annum. When the original fee of {$25.00} was not paid, Lowe's/XXXX XXXX, on subsequent statements continued to assess and attempted to collect additional fees and interest, compounding monthly. The current balance of fees and interest on XXXX amount purchase principle is {$180.00}. For the calculation on a zero principle to be any amount more than XXXX, the interest rate required would be more than infinite. 
I hereby report Lowe's/XXXX XXXX  for the crime of usury.
The foreign customer service representatives for Citibank credit card refuse to activate our credit card. The foreign customer service representatives do not speak nor understand english and read from a script that does not answer your questions. When confronted with their lack of english language skills they simply hang up the phone. 
Citibank needs to be fined another XXXX XXXX dollars for their continued credit card fraud, SCAMS. They issued my spouse and I ( joint account as authorized user ). Both cards have the exact same account number and security code. We called to activate and the foreign representatives were unable to activate. They tried to send text to both our phones as listed when we applied but the said there system would not allow it. I tried to activate online but their website was not functioning properly. We told the foreign representatives to close the account but they refused to close account. HORRIBLE foreign customer service or I should say that Citibank is committing consumer fraud by BAIT AND SWITCH tactics by issuing credit cards only to not activate them. We received the welcome kit in the U. S. Mail as well as an email congratulating us that we are now members of Citibank thank you preferred credit card. Citibank is corrupt and a complete joke. As soon as we pay off the XXXX XXXX credit card we will close it since Citibank has something to do with it. Also, we no longer shop at XXXX since Citibank screwed up their credit cards. Please fine Citibank another XXXX XXXX dollars.
My complaint is that I did a loan modification sometime ago and we were fine until our interest rate started going up. That 's why we got the modification in the first place. We are on a fix income and my husband is XXXX. I reported this to XXXX XXXX XXXX. 
and now they 're saying apply for another modification! This is not fair for them to keep raising interest rate when we 're on a fixed income and pay on time every single mo. and now this will cause a hardship.
JP Morgan Chase via their attorney-in-fact, XXXX XXXX XXXX and their other attorney, XXXX, XXXX XXXX XXXX, had submitted a motion for summary judgement ( foreclosure ) against me and obtained a judgement from XXXX XXXX XXXX, XXXX XXXX on XXXX. I have been dealing with XXXX since 2009, having received the foreclosure summons XXXX after submitting the last payment of a six month trial modification on XXXX. The last modification payment was then returned with a letter stating " check does not reinstate loan ''. I also did a short sale in 2011 which XXXX had approved but then decided several months later that I needed to pay them XXXX in addition to the short sale ( I have this phone conversation recorded ). I hired attorneys in XXXX XXXX. 
The supposed original trustee was XXXX XXXXXXXX XXXX. My securitized mortgage was then transferred to XXXX XXXX in XXXX. JP Morgan Chase then transferred the servicing rights of such mortgage to XXXX in XXXX and now XXXX states they are attorney-in-fact for JP Morgan Chase Mortgage XXXX. 
The judgement they obtained was fraudulent and violations against XXXX, XXXX XXXX XXXX were made as seen in the answer to the original complaint ( filed with other people having the same common last name as myself as defendants ). The person who signed the affidavit testifying to the facts was supposedly a document specialist for JP Morgan Chase but as I recently found out, XXXX XXXX XXXX has never worked for JP Morgan Chase ( the motion with all of it 's violations plus the affidavit are attached ).
Dear Sir/Madam, I already disputed this issue with all XXXX credit bureaus and all of them seem to have deleted it except Experian. There is a report on my personal credit about a small business credit card by XXXX XXXX belonging to XXXX XXXX XXXX which I am a shareholder. This card is a corporate card, not personal credit card and it does not belong solely to me. This is a limited liability company and I never accepted to be personal guarantee to the debts. According to Florida statutes, I should not be personally liable for a limited liability company. Experian today stated that they will not remove it from my personal credit report and said XXXX XXXX would like it to stay on my file. I reject to be held responsible for a corporate credit card of a company in which I have only 5 % shares. This should be removed from my personal credit report completely and Experian needs to be notified to take proper action.
Collection Agency stated that I attended XXXX XXXX XXXX and owe XXXX for not completing. I never had any need to attend this school. I have a High School XXXX and a XXXX degree that was obtained in XXXX. This is erroneous and frivolous. As well I disputed with all XXXX credit bureaus. Its interesting that some was able to say it was verified as mine! others deleted as it was not able to be verified. Whats going on!
On XX/XX/XXXX I was noticed a charge of {$420.00} on my checking account and it was a debit card charge from Navient. This was very shocking to me because I 'm in school and all my loans are in deferment. I called Navient the next day and I was told that I have on a recurring payment plan and that I had been on the plan since XX/XX/XXXX. I was then told that this plan was not canceled and I would have to pay the {$420.00} but all future payments would be canceled. I told them that his does n't make any sense because I was under the impression and once I 'm in school student loan payments stop. They proceeded to say that they have been attempting to take {$420.00} every month since XX/XX/XXXX but had been decline due to insufficient funds in my checking account. I never got a letter or phone call or email stating this. When I started going to school in XX/XX/XXXX I called Navient to notify them that I would be going to school and they said that nothing on my end had to be done and that the school will notify them and then at that point my loans will go into deferment. They refused to credit me the {$420.00} and I 'm having to go through my bank to file a claim in order to get the {$420.00} back. I 'm very dissatisfied with the disrespect and lack of sympathy this company has for its borrowers.
OnXX/XX/XXXX at XXXX, I received a text msg from citibank fraud dept. that they allow a transaction from XXXX with the amount approximately of XXXX and XXXX. I immediately replied " NO '' and called them right away. They cancelled the card and reported it stolen. But they rollover the said transactions on the new card. Now, amounting to about XXXX and XXXX. I disputed the transactions again on XX/XX/XXXX.  Which they resolved. But nowXX/XX/XXXX, the XXXX transactions showed on my account again but went up to XXXX and XXXX. I don't have a XXXX app nor have I used XXXX as a transport. I called them and they cancelled the card right away. I don't know what to do at this point it looks like they've been ignoring my complaint. I already informed them to block any transactions from XXXX when I called them last XX/XX/XXXX.
I have mailed and called both the credit bureau and these two collection collection agency 's who refuse to now respond to my mail, calls and request for removal of false collection accounts. I have disputed these accounts and they both did not return verification of account to me by mail within 30-45 days as requested and by law the accounts were to be removed but did not. I now request full compensation for their lack of professionalism and me now being denied credit. 

Account 1 listed on XXXX Credit report Debt collector Name XXXX XXXX XXXX Account # XXXX Creditor Name XXXX  XXXX Stated open date XX/XX/2017 Amount stated {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Account 2 Listed on XXXX  Credit report Opened XX/XX/2017 Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX NCC Business Services
We started using XXXX XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands credit report and on my credit report. It has been taken off my husbands credit report but is still on my credit report As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX  XXXX, the Account is paid off. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX and my husbands name is XXXX XXXX XXXX XXXX.
In XX/XX/XXXX I filed a dispute of an error of a chapter XXXX bankruptcy dismissed with XXXX, XXXX, and Experian. I even submitted a letter from the XXXX XXXX court stating that they did not report any bankruptcy on my credit report. All 3 credit bureaus disregard my evidence and refused to delete this error on my credit reports thus hurting my ability to obtain credit. I have never filed bankruptcy.
A debt recovery agency has continuously called by home inquiring about a XXXX XXXX. This person does n't reside in my household and I 've been at my residence since 2008 ( moved from another zip code which dictated receiving a new phone number ).
In XX/XX/XXXX I obtained a payday loan through Advance America. In XX/XX/XXXX, a collection agency contacted me for payment, which I payed. Through the past eight years, my area has suffered through numerous floods and hurricanes. All of my paperwork has been destroyed. Also through the years, many collection agencies have contacted me for payment. I have recently found out through the manager of my local Advance America, that their system was breached by hackers. My personal information was used and is continuing to be used and various people have contacted me pretending to represent Advance America. XXXX  was found liable for their computer breaches. so should ADVANCE AMERICA.
I had several ( 1 checking and 2 savings ) accounts with BBVA Compass. I opened these accounts in XX/XX/XXXX to participate in a XXXX promotion. By making monthly transfers ( {$380.00} each ) to the savings accounts from the checking account, I received an annual bonus ( {$250.00} ) in both of the savings accounts. The promotion was for 2 years. My last transfer was on XX/XX/XXXX to get the last bonus. On XX/XX/XXXX, I received a {$38.00} NSF CHARGE-RETURNED ITEM {$380.00} XXXX from BBVA Compass. I called a bank CSR on XX/XX/XXXX, and he reversed the {$38.00} charge. I told him that I could n't see online that there were anymore automatic debits into the savings account. He said that he could n't see any remaining automatic debits, either. I told him that I wanted to close my account to be on the safe side, as well as I no longer had a need for the account since the promotion had terminated. He wanted me to go into a branch location. I explained that I had moved since opening the account and that there were no branches in my current state or the adjacent states. 
I received notification in XX/XX/XXXX that BBVA Compass wanted me to pay {$140.00}. Online, I determined that the charges were as follows : XX/XX/XXXX NSF CHARGE-RETURNED ITEM {$380.00} BMS - {$38.00} XX/XX/XXXX MONTHLY SERVICE CHARGE - {$10.00} XX/XX/XXXX NSF CHARGE-RETURNED ITEM {$380.00} XXXX - {$38.00} XX/XX/XXXX MONTHLY SERVICE CHARGE - {$10.00} 10/18/2016 NSF CHARGE-RETURNED ITEM {$380.00} XXXX - {$38.00} XX/XX/XXXX MONTHLY SERVICE CHARGE - {$10.00} Before this time period, I had not received any fees or service charges on the account when I actually wanted the account and was using it. 
The account was sent to the XXXX XXXX ), their charge-off or collections department. I contacted XXXX in XXXX XXXX and explained the situation. They referred me to BBVA Compass, which referred me back to Northland Group. It was a perpetual cycle in futility. I finally spoke with a supervisor at XXXX XXXX who said that I could dispute the debt and that it would return to BBVA Compass. I disputed it and follow-up with several phone calls. I still continued to get each BBVA Compass telling me to contact XXXX and vice-versa. Today, the XXXX XXXX told me that the account is in inactive status and that I had to contact BBVA Compass. The BBVA Compass XXXX made several calls XXXX to include calling the charge-off department, which is XXXX XXXX XXXX and spoke with his supervisor. He then advised me to speak with the BBVA Compass disputes department. The disputes department said that she was escalating my issue and that I will receive a call within XXXX hours. I have spent more than XXXX hours on the phone on at least XXXX different days trying to resolve this matter over the past 4 months, to no avail. 
The corporate office is in XXXX, XXXX with a listed number of XXXX XXXX XXXX XXXX XXXX. I would have contact that office if I could conveniently dial international phone numbers.
On XXXX/XXXX/XXXX XXXX began reporting a medical collection that was not submitted properly to my healthcare insurer. On XXXX/XXXX/XXXX - XXXX referred it to XXXX XXXX XXXX and the debt was reaged. From that time to XXXX XXXX - both agency were reporting double on the same account. Seriously impairing my ability to obtain credit. I appealed via dispute several times but neither agency would act-continuing to report as verified. 
Finally in XXXX XXXX - XXXX removed the account duplication however Cascade continues to report this reaged and erroneous information. Cascade has not demostrated any relationship to the original creditor and I have had not information to verify this debt.
Good Afternoon, My name is XXXX XXXX XXXX and this is a complaint regarding two specific overdraft fees from my personal checking account at Wells Fargo. On XX/XX/18, Wells Fargo charged me two separate overdraft fees of {$35.00} each for the same incident. The first fee was labeled " NSF RETURN ITEM FEE '' and the second fee was labeled " OVERDRAFT FEE ''. Although I have a secondary checking account that had more than enough funds to cover this accidental overdraft, my own bank of twenty years authorized two overdraft charges totalling {$70.00}. When I called Customer Service to report my complaint, Account Supervisor XXXX XXXX told me that he was only able to refund half of the amount, and that there was nothing further he could do. These charges are not only excessive but unnecessary. I am requesting that I be refunded the additional {$35.00}. Please contact me if you need further assistance identifying my accounts.
My problem is with Experian. They continue to show me in collections for a XXXX $ medical bill that was paid in full by insurance. The other credit bureaus have removed this mistake made by XXXX XXXX in XXXX XXXX. XXXX ) They also show a late payment for a vehicle that was paid in full. Payment was made to XXXX XXXX for over XXXX on a lease purchase. This was not an issue with other credit bureaus.
In XXXX of 2015 we received from Wells Fargo Bank an advertisement to refinance our home loan for 20 years at a fixed rate of 3.25 %. Being that refinancing would save us $ XXXX, our monthly payments would decrease, and we had 20 years left on our original mortgage, It would only make since to apply for the refinancing. 
We applied for the loan, paid the required fees and were told that the loan was approved. Wells Fargo Bank has now reschedule the closing of the loan XXXX times stating each time that they need more information from us, information that they have previously been sent. XXXX times I have been called back to my home from out of town to close only to be told the closing has been postponed. It appears that the bank is stalling with the offer that was made in hopes that we would decide not to refinance so that we would lose all money we have paid so far and also that since we applied for the 3.25 % loan it has now increased to XXXX and higher. During my last phone conversation I was ask if I wanted to stop the application process, but I would lose all the fees I had paid. Seems that something is not right here with Wells Fargo Bank. This process started in XXXX 2015 and it is now XXXX 2015. Looks to be a bait and switch or just a way for Wells Fargo to attempt to take ones money by hoping they will eventually give up on the loan application and forfeit all that has been invested in the application! I wonder how many others have been drawn into this scam?
On XXXX XXXX, XXXX I first became aware that I am a victim of identity theft. I have since pulled my credit files from all XXXX major bureau 's ; Experian, XXXX and XXXX. I have also since been disputing a large number of trade lines with all including Experian. At this juncture, I need to dispute my last fraudulent information reporting on my Experian credit report. Apparently, in XXXX a bankruptcy was filed in someone else 's name and contact information while utilizing my social security number and date of birth. Here is the following information that is showing on my credit file as of XXXX XXXX, XXXX : CHAPTER XXXX BANKRUPTCY FILED : XXXX/XXXX/XXXX CLOSING DATE : XXXX/XXXX/XXXX REF # : XXXX On multiple occasions I have forwarded the necessary proof of XXXX my identity and my current address to help Experian expedite disputing and subsequently successfully removing these erroneous accounts from my credit file. I am again attaching my drivers license, social security card and current bank statement accordingly. 

Thank you for your help up to this point! 
XXXX
On XXXX XXXX, I went into a Chase Branch at XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX to open a Checking and Savings account. I had received a coupon on the Chase.com website after logging into my credit card account to receive a {$500.00} bonus for opening the Checking and Savings account. I was assisted by XXXX XXXX, a Chase banker, who helped me to open the accounts. The Chase banker reviewed my information and asked me extensive questions in regards to my personal and financial situation. The banker expressed no concerns with my information and my accounts were opened with no issues. On opening, I wrote two checks, {$25.00} for the checking and {$15000.00} for the savings which I funded with the recent sale of my home. Documentation on the closing of my mortgage with XXXX XXXX and the wire instructions with the escrow company can be provided upon request. 

On XXXX XXXX, the checks cleared and the funds were available in the accounts. 

On XXXX XXXX, I attempted to log into my Chase Mobile App and received a notice that my accounts were suspended and to call customer service. Upon doing so, I was informed that my checking and savings accounts were to be closed. I attempted to gain information and understanding of why my accounts were closed and did not receive an explanation. I also went to the branch where I opened the account and the Branch Manager was unable to retrieve that information as well.
No attempt was made to my knowledge by Chase to reach out to me prior to the closure of the accounts. No notice was given. 


I had recently opened accounts at two other financial institutions and did not have any issues with those banks. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX on XXXX
I had an auto loan through XXXX - they went out of business and sold the loan to XXXX Bank. The car was included in my Chapter XXXX BK as a surrender. My attorney called them to pick the car up but was told they had no loan in file and had no interest in the car. The car is broke down & costing me storage fees. I want them to pick up the car of send a lien release to the Idaho DMV.
I have 3 open credit card accounts. Two are from XXXX XXXX XXXX  and one is from XXXX XXXX. My credit limit for all three cards combined is {$72000.00}. 
( XXXX XXXX XXXX XXXX has a credit limit of {$49000.00}. My other XXXX XXXX credit card has a credit limit of {$10000.00}. My XXXX card has a credit limit of {$12000.00}. ) The 4 major credit bureaus of XXXX, XXXX, Experian, and XXXX are still reporting on my credit report that my total credit limit is just {$62000.00}. 
This is incorrect and needs to be corrected to the higher limits of {$72000.00} Also, they keep listing my balances as {$6100.00} on all three cards. This is wrong! 
My current balances on all my cards as of today ( XX/XX/2018 ) is only {$260.00}.
According to the IRS ; I was apart of their database breach of 2015. Since then I have seen an increase of inquiries reported on my credit. Some inquires happened multiple times over the course of the same day.