WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact
I am so exhausted sending letters to Equifax about this issue.. I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Equifax is unable to help me remove this, CFPB please step up and delete Bankruptcy : Discharged CH-XXXX XXXX, XXXX XXXX XXXX   XXXX
On XXXX ( Transunion ), XXXX ( XXXX ) and XXXX ( XXXX ) I sent each credit bureau a certified 609 letter to verify the account that is allegedly owed by me to XXXX XXXX XXXX credit card as they are reporting it on my credit report. They each deemed the account verified. On XXXX I sent a validation letter to XXXX XXXX XXXX credit card with my name, date of birth, social security number and the account number that is on my credit report. On XXXX I sent each credit bureau another certified 609 letter to verify the account allegedly owed me. On XXXX I received a letter from target stating that the were in receipt of my request but can not locate an account referenced in my letter.I called XXXX and asked them how and who did they verify the account allegedly owed by me with. The agent stated the he could n't tell me that. I would like for you to help me get this removed from my credit report thanks.
XX/XX/XXXX my credit report was completely wiped out leaving only 2 collection accounts, and 4 hard inquires. I called in to inquire and was told that the accounts could not be added back until the creditor adds them back per law. On XX/XX/XXXX, everything had been reinserted including things that had been previously removed due to being disputed. I was NEVER given a 5 business day  notification per FCRA and has since been blocked from being able to view my report online. Since I have also been notified that my credit reports have been going to a wrong address that I have also disputed. I called in and they advised me that I had requested to have the address changed which was a lie. They also sent me a credit report with my name and the wrong last 4 of social. I called in and they denied that too. I would like to know who is responsible for holding this company responsible? Are they NOT to follow the laws and guidelines established by the CFPB and FCRA? I have filed a separate complaint with the CFPB that is still open and what Equifax has done was place EVERYTHING back into dispute without my request which is another violation. Who will ever hold them accountable for their actions? Is this something that is often pushed under the rug? Whats the puropose of CFPB and FCRA if you guys will not hold them accountable?
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX DOB XX/XX/XXXX Please be advised that this is my 9th REQUEST I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Name of Account : Account Number : Provide Physical Proof of Verification!!!!!!!!!! this need THIS MUST GO TO YOUR COSTUMER SERVICE DEPARTMENT!!!!!! IN THE USA NOT TO A XXXX this was your reply .... all wrong and was in violation of the FCRA Case number : XXXX Status Company responded Trans Union said : Explanation of closure The Fair Credit Reporting Act allows : Bankruptcies to be reported for 10 years from the date of filing. However, it is TransUnion 's policy to report discharged or dismissed Chapter XXXX bankruptcies for seven years from the date the bankruptcy was filed. Voluntarily dismissed bankruptcies, regardless of the chapter filed, are reported for seven years from the date the bankruptcy was filed. Accounts included in the Bankruptcy filing to be reported for seven years from the date the bankruptcy was filed. 

The inquiries listed on your credit report are a record of the companies that obtained your credit information. All inquiries remain on your credit report for two years. Credit information may be requested only for the following permissible purposes : credit transactions, employment consideration, review or collection of an existing account or other legitimate business need, insurance underwriting, government licensing, rental dwelling, or pursuant to a court order. Your written XXXX XXXX not be required to constitute permissible purpose. If you believe that an inquiry on your credit report was made without permissible purpose, then you may wish to contact the creditor directly, in writing, regarding its purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist. 
WRONG THEY MUST HAVE PERMISSION. TO ACCESS MY REPORT THEY DID NOT!!!!!! 


BANKRUTCY chapter XXXX for XXXX MUST BE DELETED VIA COURT ODER SEE PAGE XXXX OF ORDER I HAVE SENT YOU THE COMPLETE ODER AND I AM IN THE SETTELEMENT DOCKET # XXXX XXXX NUMBER XXXX YOU CAN CALL THE COURT AT XXXX TO VERIFY ORDER TOWER FED XXXX XXXX ALSO MUST BE REMOVED VIA COURT ORDER READ ORDER IN CHAPTER XXXX FOR STATE OF VA remove XXXX INQUIRY ... DO NOT SAY VERIFIED I CALLED THEM AND THEY DO NOT KNOW WHO I AM AND HAVE NO PAPER TO SHOW I APPLIED FOR CREDIT. 
PER FCRA YOU MUST SHOW HOW YOU CORRECTED THE ITEMS AND SHOW HOW YOU INVESTIGATED THE COURT ORDER. 

MY ID IS ATTACHED!!!!!!!
have disputed the late payments on XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX   XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
I have been paying on my student loans consistently for two years now and yet my balance never decreases. I applied  for IBR in   XXXX  of  2016  and my payments were set to {$43.00}. I was not notified of th e IBR  program until I asked prior  to 2016 I was  put in forbearance. When I first set up on  IBR,  I stated I wanted to pay extra to start decreasing my balance. I called them a few times  in 2016    that my balance due showing online is {$410.00}, sometimes more. Navient verified my IBR amount of {$43.00} and stated to not pay attention to the $  XXXX + amount and to proceed with payment but the Navient online system would not let me make a payment less than the {$410.00} balance due. Each loan shows an amount due based on the loan amount totaling the {$410.00}. I was told to go to the old website and make a payment and it showed the same amounts but allowed me to manually enter a payment. The issue is even though I am paying what I was approved for, it still has the higher amounts for each loan due along with the {$410.00} amount due showing late fees on each loan and keeping my interest the same. Even though I explained I would like to pay extra to decrease my balance, they applied the extra amounts to the next months payment. I recently pulled my credit report from FICO showing where I am making the payments on time but showing my balance increasing each month rather than decreasing despite my on time payments and paying extra.Even though I was approved to pay {$43.00}, I was paying $  XXXX - {$70.00} ( varied month to month ) extra. It is very deceitful and misleading. For me to paying on time and extra each month, the loan balance should be decreasing.
Date : XX/XX/2017 Amount : {$570.00} I received the loan for a friend, and she promised me that he will keep up with the payments so I will not have this on my credit, but she never paid me back. As I check my credit I see that the debt was closed and have been closed for months and I want this deleted off of my credit. I tried contacting the company but they will not remove the deleted account off.
I applied for a modification with Green Tree and they will not talk with me about why it was denied.
My legal last name is wrong on all three reports, address is wrong and Ive lived at my current address for almost four years. My jobs are not correct. Ive owned a business for over 6 months and have been working for said business since I started it. Ive had a account with XXXX XXXX XXXX for 6 months and havent been late on a payment ever, but I dont see that in my report. Funny how companies are so quick to report negative items but not the positive ones. Broken system if you ask me.
My mortgage was serviced by XXXX XXXX XXXX XXXX when foreclosure was initiated on XX/XX/XXXX. XXXX XXXX XXXXXXXX, XXXX was assigned the mortgage in XX/XX/XXXX. The mortgage was later foreclosed, following a foreclosure sale of the property, on XX/XX/XXXX, according to court records. The fair market value at the time of the sale was approximately XXXX and the property sold for XXXX. The property was sold to XXXX XXXX  XXXX ( the previous beneficiary ) as trustee of XXXX XXXX XXXX XXXX on that date. 

XXXX reported the foreclosure on my credit report and noted that the account had been transferred/redeemed/foreclosed on XX/XX/XXXX. This is where I believed the foreclosure saga had ended, factually and legally. In contrast, records sent to me from XXXX in late XXXX indicate that XXXX maintained an account in my name on behalf of XXXX XXXX XXXX and charged in excess of {$50000.00} for various home improvement, cash keys bonus, trash pickup, and other charges between XX/XX/XXXX and XX/XX/XXXX. 

Apparently, Nationstar bought all of XXXX 's debt or loans sometime in XX/XX/XXXX. Nationstar sent a welcome letter to me demanding payment for {$62000.00} on XX/XX/XXXX. The welcome letter also stated that the loan was being serviced on behalf of XXXX XXXX XXXX. I did not timely receive the letter owing to my own fluctuating living circumstances. 

In XX/XX/XXXX, I received two XXXX for the property ( XXXX XXXX XXXX ) : a XXXX from XXXX discharging {$200000.00} and a XXXX from Nationstar canceling debt in the amount of {$94000.00}. ( See Attachment A. ) When I first reached out to Nationstar inquiring about the XXXX and why they were reporting discharged debt, I received a letter stating that the XX/XX/XXXX letter demanding payment was sent to me in error and no amount was owed to Nationastar. ( See Attachment B. ) I  followed up with the customer relations official named and certified on the letter, but she offered me no help or guidance on the XXXX itself. 

A year has passed and I am still attempting to get a corrected XXXX from Nationstar. I called customer relations on XX/XX/XXXX asking for a corrected XXXX. I sent the letter to another official in customer relations, as she demanded proof for the fact that Nationstar had previously informed me that no amounts were due to the company. In response to my XX/XX/XXXX dispute and request, Nationstar ( D/B/A Mr. Cooper ) sent a letter indicating that it would not issue a corrected XXXX and that records indicate that a remaining balance due on a loan in the amount of {$210000.00} was cancelled on XX/XX/XXXX. That remaining balance is allegedly {$94000.00}, which is reflected on the XXXX. 

As a result of two mortgage lenders claiming that they discharged debt on one mortgage for one property ( a property that sold to a third-party for {$240000.00} on XX/XX/XXXX ), I am facing a tax liability of nearly {$25000.00}. I am going to pursue insolvency for tax purposes, but I am in no way accepting liability for Nationstar 's alleged debt discharge. And, I am submitting this complaint today to shed light on these practices.
MY VA HOME-LOAN WITH XXXX VS XXXX XXXX XXXX : REFUSED TO FOLLOW VA LOAN PROCEDURES AS FAR AS : NO CLOSING COST, TAX-EXEMPTION SINCE, I AM XXXX XXXX   XXXX VETERAN. PLUS ITS A SINGLE STORY HOME, NOT A TWO STORY HOME. AMONG OTHER UNSCRUPULOUS CONDUCT DEEMED TO BE BIAS AND DISCRIMINATION AGAINST ME BEING A XXXX FROM THE " U.S.TERRITORY '' OF THE XXXX XXXX XXXX. I ADDRESSED THIS ISSUE TO THEM SEVERAL TIMES, AND THEY IGNORRED ME TOTALLY. AS WELL AS THE STATE OF NEVADA ACCORDING TO TAX STILL ADDING TO MY ESCROW STILL. DEEMED TO BE IN VIOLATION OF MY CIVIL LIBERTY RIGHTS, AND, Fundamental Right : been violated by the state of Nevada, as well as XXXX XXXX XXXX, for refusing to remove the tax exempt from my Escrow payment ever since. Due Process Clause of the Fourteenth Amendment substantive due process under ( DUE PROCESS ) : STRICT SCRUTINY. WHICH MATTER LEFT ME AND MY WIFE OUT IN THE DARKNESS AS CITIZENS OF THE UNITED STATES OF AMERICA.
I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
An account was opened without my permission on XX/XX/XXXX with Through The XXXX XXXX  and another account opened on XX/XX/XXXX from XXXX and XXXX I believe through mail order Catalogs and charges were incurred in my name, I have never made a payment on these accounts and asked for proof that I opened the accounts and both the companies failed to produce it and refuse to remove them from my credit report and have it last reported in XX/XX/XXXX and will not release it from my credit records, I have tried multiple times to dispute them but have not gotten satisfactory resolution. This has prevented me from obtaining credit and caused me to pay higher interest rates.
Unfortunately, I had my debit card stolen again within three weeks of the previous theft. This time the thief was able to use my card at  XXXX  for {$850.00} or so, and even took {$240.00} out at an ATM across the river before I could cancel the card.  ( My acc ount still had fraud claims from the theft weeks prior, so apparently I was not allowed to cancel the card by phone. I went to my local branch as soon as I noticed activity, and tried to cancel, but not before they were able to take more than they used at  XXXX . ) The various transactions made by the thief are : - {$50.00} - {$800.00} - {$4.00} - {$18.00} - {$100.0 0} ( Withdrawal ) - {$100.00} ( Withdrawal ) - {$40.00  } ( W ithdrawal ) I reported the fraud yet again, and was given temporary credit. I answered various questions about my most recent transactions, again, and hoped this was the end. Their investigation, I guess, just ended, and I received an email telling me that my account was overdrawn ( because of the claims reversals ).     I am awaiting response from them, but expect the same will happen as it did last time. They decided my claims were not valid. I am now at a negative sum in my account, and I 'm still out the almost {$1200.00}. I did not know who else I could turn to to help resolve the issue.     I did not report this to the police because I can not describe the thief 's appearance. I did not notice that the card was gone until the email in the morning told me my account was below my alert limit.     Please help.
In XXXX of this year Costco issued a Citi credit card in my name, as the primary on the account, without my express consent. They claim that they sent a letter indicating that existing Costco credit cards with XXXX XXXX would be switched to the Citi card. I did not receive such a letter. I found out only a few days ago that the Costco XXXX card I had was canceled and a new Costco Citi card issued in its place. At no point did I give authorization for such a change. Was it legal for Costco to issue the Citi card in my name without my express consent?
I received a letter from XXXX explaining I was a part of a breach I went online to view my credit and notice some fraudulent attempts to obtain credit. I have sent proper correspondence to Transunion with no response from them this was not done by me, its consider fraud, I tried to place a police report but being that my information was breach due to the lack of security at XXXX and that the criminals did not get any of the approvals to obtain the credit there was no police report to file. I will like all the listed below inquires removed. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
I HAVE TWO CREDIT CARD ACCOUNTS AND BASICALLY I HAVE BEEN IN A BATTLE TRYING TO GET THE DUE DATE CHANGED IT TOOK CAPITOL ONE 0VER 6MTHS UPON SEVERAL REQUEST TO CHANGE DUE DATE, MIND YOU 1ST REQUEST FOR DUE DATE CHANGE.. I HAVE REQUESTED AT TIMES TO HAVE THINGS AUDITED ON MY ACCOUNT- I WAS TOLD THEY WOULD AUDIT MY ACCOUNT AND THEY STATED THEY WILL THEN NEXT WEEK WHEN I HAD TO CALL THEM THEY TELL ME- WELL I DONT SEE THAT REQUEST, LIKE THEIR COMMUNICATION, FEES, INTEREST IS TERRIBLE- cAPITOL ONE WAS ALRIGHT BUT THEY HAVE GOTTEN RIDICULOUS AND TERRIBLE WITH FEES/CUSTOMER SERVICE YOU NAME IT! THEY XXXX!
XXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : 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 XXXX 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 including : 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 : XXXX 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, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
I have contacted each credit agency with regards to the XXXX account. I have informed them that this account does not belong to me. However, they continue to report this account on my credit file. Please assist me in getting this matter resolved. 

Incorrect Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are several inquiries that are reporting that does not belong to me : XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AXXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/AXXXX XXXX/XXXX XXXX XXXX XXXX XXXX
We continue to receive prescreened offers of credit from Citi. It is a constant barrage of mail and advertisements coming through our mail. We do not want any credit cards through this or other companies that continue to mail to us. We are on the Opt Out of Offers list and we still receive these solicitations.
The option was n't there, but I was n't communicated with at all that 's my issue. No calls no emails no letters, and k believe it 's really unfair that it just goes to collections. It 's like ruining someone 's life, I want proof of call attempts and letters sent to my house before debt was put on credit score?
On XXXX XXXX I lost my wallet at night. I had work following early in the morning, so I was going to wait to cancel all my cards and see If perhaps my wallet would show up. I got woken up at XXXX From a online Chase application alert stating that over {$4300.00} has been withdrawn from a " XXXX '' in XXXX XXXX, XXXX. I called Chase 24 hour support immediately and reported this as fraud and had them cancel my checking debit Card ASAP. They explained that this happens a lot and they will cover the fraudulent charges in 12 hours. Three days went by of me persistently calling with no valid answers but " We are in the process of disputing your claim ''. On the 4th day the funds were put back and I was at ease. Two weeks later, I received a letter in the mail from chase stating that On XX/XX/XXXX they will be taking out {$4300.00} from my checking account, and that the claim was researched and denied. I called Chase bank immediately, the reason for the denial was that I signed into my account at XXXX and then signed back out and there was about a 10 minute interval in between the time I checked my online bank account on the Iphone app until the time I called the Chase hotline. This is absurd! I used my Iphone to sign in because I received in alert, I mean this is XXXX of the reasons there is a mobile app RIGHT? Anyways, there is no way possible I will be able to cover this. I did some research and found out these funds were withdrawn from a casino in XXXX, XXXX. I am a XXXX year old XXXX living in XXXX and working hard to stay a float. On that note I am not even old enough to enter a casino, so how would I have done this transaction. XXXX, please help me handle this. Thank-You so much for reading my current situation. 
Sincerely, XXXX XXXX