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 received a threatening letter from Atlantic Credit and finance incorporated threatening to sue for debt if I do not contact or pay. For one, this company has never sent correspondence to me until now, two, I informed the person that called I am XXXX and have no way to pay as I am waiting on social security and have absolutely no income. This same alleged company has called my household multiple times with blocked caller or unknown caller on caller ID and immediately ask for social security number. I do not give this information over the phone to random callers. 

This letter was received via XXXX today XX/XX/XXXX and demands payment or contacting a number they give but never answer by XX/XX/XXXX or  they will hire an attorney to sue. As I said, I have informed them in the past I am XXXX, I can not work and I have absolutely XXXX income until my social security XXXX is approved.
On Friday XX/XX/XXXX I received a notification from my credit monitoring service that the company, XXXX XXXX, closed my account. I had opened it and was approved on XX/XX/XXXX, however less than 2 weeks later with no notice from the company they closed the account. 

I used the account 1X for a small purchase to ensure that the account was activated. 

I contacted the company on XX/XX/XXXX and they advised they sent me a letter, that I have not received and closed the account because of too many inquiries. But this information was provided only when I called and spoke with a less than empathetic representative. 

I this is is an unfair and deceptive practice that would have caused me embarrassment since I was planning on using the card to purchase an XXXX computer for my niece.
I have tried to get transunion to help get these inquiries off my credit report that do not belong to me and some where mine that they removed and put them back on without notify me in the time frame. They didn't notify me at all. 

These are the inquiries that need to be removed : XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I pulled my Credit Report and found several things that were incorrect. I tried to solve these problems with the  collectors  to inform them this is not my debt. I have no knowledge of this debt. Please help me to solve this issue. The  collectors  are only interested in getting money and not actually getting down to helping individuals such as myself.
Hi, In XXXX I applied for a Bank of America XXXX XXXX credit card. I got rejected ( I have the letters to prove it ) and forgot about it. I received some mail and email form BOA that was promotional and feedback on the application process. However, I went to check my credit score and it turns our BOA had opened that account for me and is trying to charge me {$75.00} ( the annual fee for the card ). I don't have the card, an account number, username, or any other info to even close the account. I've reached out to BOA but have not gotten a response.
Ditech has continually misallocated my monthly payments. After each occurrence I contacted the company to resolve the issue. I was continually told they would fix the problem and make sure future payments were allocated correctly. Yet the very next monthly payment was misallocated. Due to these errors, my payoff amount was incorrect and I overpaid. Ditech said they would investigate the problem and if I was owed any money they would send it in 30 days. They made an error yet they hold my reimbursement money hostage. 

The misallocated funds occurred in XXXX of XXXX, XXXX of XXXX, XX/XX/XXXX, XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX. Regular payments were applied to additional principal and any extra principal payments were applied to regular monthly payments then I was charged late fees, interest, etc. because the full monthly payment was not paid. 

There were also months that I did not receive my monthly statements. I had to contact Ditech to get a statement in order to have a voucher to send with my payment. 

My escrow was calculated incorrectly and misapplied as well. Ditech said they could not send me a corrected escrow statement when I asked for it. I never received anything stating the error was corrected. 

When my monthly payments were applied to additional principal, I was told by Ditech, that I had made the payments 1-3 days before the payment was due so they applied it to principal since my account was current. However, in the past I had made payments every two to three weeks and there was never a problem. If their policy is to apply all payments to principal should they be paid 1-3 in advance of the actual due date, they should have informed me ( the consumer ) of this change in policy. However, they did not. They continued to misallocate the payments despite my numerous attempts to rectify the problem. I even spoke to supervisors and was told someone in a management position would contact me to discuss the issue. This never happened. No one ever contacted me. 

Ditech customer service is extremely poor and they are not interested in resolving problems. Yet they are quick to add late fees, etc. and to take your money and keep your money despite their errors.
XX/XX/2016 I paid off my credit card I was told if I did it would be removed off more credit report but has not. Its been two years and still nothing I called several times, to resolve it.
Bank charged me an overdraft fee and they charged me over and over again before our agreed upon date.
Back in 2013 I was given a USPS money order from an individual and it turned out to be a fake money order. Not knowing that I deposited the money order in my account and it was returned due to it being a fake. I reported the incident to the Postal Service and they told me they would look in it. Meanwhile Bank Of America which was my Bank at the time quickly closed my account and reported my name to XXXX without ever contacting me or anything. This is all for {$11.00} which was paid back in XXXX of XXXX. It clearly shows account paid in full on my XXXX profile and yet Bank Of America refuses to remove the information and I can not open any account at any Bank with this information on my profile. This is totally unfair. I was a victim of fraud and non of this was my fault. B Of A never bothered to help me in this case and they blamed me for it and closed all doors on me. I just want my name removed from XXXX.
Because I have tried to dispute incorrect information with this company and gotten no results or replies this is a better recourse. Because of a lawsuit filed against XXXX, a judgment against me has been removed. As well as collections of the Account and the account should show this status. I KNOW this has ALREADY been done as XXXX shows it when I look at my information there. Attached is cooperating proof of what is supposed to be done. Equifax has a history of not maintaining correct information not only for myself but for many others if the little investigation I 've done is any proof.
I am filing a complaint with Experian. I have been disputing incorrect information on my credit report. They sent back a report showing that all information was verified. Based on the FCRA an original contract under Section 609 ( a ) ( 1 ) ( A ) with my signature showing was supposed to had been received. I have received no such information from Experian. All they said was the information has verified. According to 611 ( a ) ( 7 ) they have failed to provide the method of verification. Now the FCRA states under Section 611 ( a ) ( 7 ) and under 611 ( 5 ) ( A ) they are required to promptly delete all information which can not be verified.
I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/15 on EXPERIAN. I did not authorized anyone employed by this company or at this company or EXPERIAN to make any inquiry or inquiries and view or show my credit report to anyone, person, company, entity, business, co, corp or similar. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof Bearing my Signature or Request in Writing that I authorized them to view my credit report, then I am demanding that EXPERIAN remove the unauthorized and fraudulent hard credit inquiry immediately from my EXPERIAN credit file.
I applied for a mortgage for a refinance on a second home from Quicken Loans in XXXX of 2016. As part of the process Quicken asks for a good faith deposit, in my case {$500.00}. The first issue I ran into with Quicken was them not being able to obtain an appraiser before the rate lock expiration. They told me they would extend it, which they did, but then another issue came up. They apparently had a problem with the classification of my home and decided that it had to be placed in in a riskier classification, increasing my closing costs. We discussed the matter several times and finally reached an agreement on the closing costs. A couple of days before the second rate lock expired I contacted them to see why the loan had still not closed and was told that they working on it. Sure enough the rate lock was missed again. I checked my account and sure enough they had sent a new redisclosure letter with an increased rate. Considering what I had been through already I asked to be withdrawn from the loan and a refund of my deposit. After not hearing from them for a week I called to see what was happening to the deposit. I was told that they were allowed to deduct fees from that deposit and was informed the appraisal was approximately $ XXXX so no refund would be coming. I asked for the invoice on the appraisal and imagine my surprise when the invoice showed XXXX {$500.00} not the ~ {$700.00} I was told over the phone. Given the fact they raised my price on the loan twice, because they could n't close on time, and apparently were less than truthful about the cost of the appraisal I believe that some amount of the deposit is due back to me.
I opened checking account with PNC financial in 2007, which was free checking with no minimum balance requirements. I donot keep too much money in this account. every year or so, PNC bank keep changing the terms on the account, I find out about when my balance is decreasing because PNC keep charging {$7.00} fee. Sometimes PNC credits those fees automatically but now My wife went to the branch and was misinformed that this virtualwallet account will solve her problem of having to pay fee because of low balance and was changed into virtual wallet account which has excessive fees and now I am told that if i close in 60 days, there will be fee charged. I have lost money by keeping in the PNC checking account and PNC bank does not want to return my account balance to amount before PNC started charging fees. 
I have called and filed complains with PNC and everytime I inquire, i m given complain # but nothing gets done in fee escalation department. I am given some claim numbers like XXXX and XXXX. When I called this fee escalation department, after talking to XXXX and XXXX XXXX ( supervisor ), It sounded like that PNC does not take these fee complaints serious and donot want to resolve consumer complains by saying Pnc bank is entitled to charge these fee and account balance is not under FDIC protection when fees are charged.
When my husband and I tried to rent a home, we found out there was a debt on my credit report owed to a collection agency called Source Receivables Management. The debt was for a company called XXXX. I have never had a XXXX account. I called the collection agency and asked them to send me proof that the debt was mine. I did not get anything. I disputed the error with all XXXX credit bureaus. According to the bureaus, the collection agency verified that the debt was mine. I do not see how they could because I have never ever done business with XXXX. I called XXXX. They said I had to call the collection agency back. I called them. Some lady names XXXX said she was mailing a fraud packet. When I got it, it asked me to furnish a lot of documents I do not have. For example, they wanted a copy of my driver 's license. I do not have one because I am XXXX and can XXXX XXXX. I have been XXXX since my early teens and have never had a license. I called the collection agency and explained that. They said then that they needed a copy of my passport. I do not have one. I explained that because I am XXXX, I do not work and can not afford to get a passport. Then, they said they needed a photo id. I repeated that I do not have one because I do XXXX XXXX or work. Then, they said they could not help me and hung up on me!!!!!! I need this off my credit report so we can get low income housing apporved. Help.
This is reference to the original compliant CFPB # XXXX, filed XX/XX/XXXX toward Fifth Third Bank. 

The above complaint through the CFPB was declined by Fifth Third Bank for {$18000.00} to XXXX  because they enforced the fact that this complaint was filed outside of the sixty ( 60 ) day timeframe allowed under Regulation Z. Even though I first filed a dispute with Fifth Third on XX/XX/XXXX and did not get an answer until XX/XX/XXXX ( 3.5 months ). The Dispute Dept Supervisor hung the phone up on me when I was trying to get an understanding of their process. 

I charged portions of the XXXX fee ( {$85000.00} ) on other credit cards at the same time ; XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX as directed by XXXX and those financial institutions did not enforce the sixty ( 60 ) day limit and REIMBURSED ALL MY XXXX   CHARGES. 


I was schemed into believing the purchase of a XXXX business would benefit my family for years into the future. I was only able to participate in XXXX activities for ten ( 10 ) months, XX/XX/XXXX through XX/XX/XXXX. 

I have attached a XXXX document outlining the services/products I was supposed to receive under my life time XXXX  purchase and marked those services/products I received and those I did not. As you can see, the services/products are too numerous and extensive to comprehend within a sixty ( 60 ) day timeframe per Regulation Z. I was not able to take advantage of all the services/products offered because the Federal Trade Commission ( FTC ) discovered the fraud and shut down MOBE XX/XX/XXXX. 


This complaint is made toward Fifth Third because a ) they do not follow the same standards as other financial institutions who waived the 60 day timeframe limit. Why did every other financial institution find the disputes in my favor and Fifth Third did not? b ) I did not receive all services/products I paid for due to legal action by the Federal Trade Commission toward XXXX. 

All FTC court proceeding documents can be found here ; XXXX XXXX XXXX
My XXXX credit card ending in XXXX went past due XX/XX/XXXX and remained that way until it was charged off in XX/XX/XXXX. This item is still showing on my credit report even though the 7 years since the first time it became past due has passed. I have enclosed statements showing the past due status of the account as of XX/XX/XXXX.
When I started college, I was single mom, with XXXX kids.I was in low income single head in a household.The student loan kept adding up.Even I was working all the time so not get student loan.The yearly interest was flying rapidly.I 'm trying to catch with the student loan.Navient had called me for loan forgiveness since I worked full time sub-teacher.When I talked to Navient they change what they said, they want me to pay $ 560 monthly.They added and pile the loan on my credit report.With yearly interest 14.9 %. I spent hours and hours talking to them with no success.I told them I need an income plan for the payment long time ago.They called me am qualify for loan cancelation and I called back nothing had done.They had called me more than ten times am qualify for govenment forgiven program, I called back and nothing had done.I 'm so sadden and confused, I felt am in prison on my student loan problem with no seems to end or go nowhere.Am still in low income trying to help my XXXX kids in their life.Am in Housing Authority program.I lived in the same home for 11 years, always I felt my home just my prison with no freedom.Navient had ruin my credit history and made my credit score very negative and look bad.I want them to remove those piled student loan with very high interest to be removed from my credit report.
I hope my complaints fell in the right categories. I had a Navy Federal Credit card opened around XXXX. I had a excellent payment history for several years straight. My problem with Navy Federal customers service they were on several occasions was applying my payments to different account that did n't belong to me. And I stayed on the phone speaking from customers and the recovery department concerning my credit card account. Once I was able to get all my receipt together and present them to Navy Federal loan officers they came to the conclusion that I did make my payments on time but they were applied to someone else account. This went on for several months until my account went into default ( dark place )
I have a loan with GMFNANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and GMFNANCIAL with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
I applied the home loan modification program to chase last year and I got the proposal letter on XX/XX/XXXX this year And They sent me Modification Agreement package on XXXX XXXX,2017 When I reviewed the package. I found significant differences from their proposal letter.
I expected Monthly P & I payment amount of {$980.00} and Principal forbearance amount of {$210000.00} as Net present value or eligibility data on their proposal letter, field # 69 and # 70 But, monthly payment was {$1600.00} without any principal forbearance on the agreement I complained Chase the difference and it is against HAMP and FLEX Guideline and asked them to fix the differences.
* to provide the borrower with a principal and interest ( P & I ) payment reduction of at least 20 % and increase principal forbearance until a 20 % payment reduction is achieved.
Then, they replied that they will review and research my request and give me answer sooner. But it was delayed three times I got final answer on XXXX XXXX, 2017 that : The numbers on the proposal letter were incorrectly placed. We apologize for this and this error didnt change the outcome of the review.. " I asked them on XX/XX/XXXX what the incorrectly placed means and how the current payment amount was calculated, but No answer at all.
I am a XXXX XXXX XXXX XXXX with the State of Alabama. I contacted my friend XXXX XXXX at XXXX XXXX in XXXX, Alabama to purchase a New XXXX Truck under my Company 's Name using it's DUNs Number and EIN. He explained to me that I would have to Guarantor the loan in which I new. I inquired about a New XXXX truck, explained to him that my XXXX score was a XXXX and that I only had 1 Tradeline. I made specifically clear to him to tell his Sales and Finance Manager to  only pull my credit once, to only use my XXXX  Credit report and to only send my loan request to XXXX XXXX. Well that did not happen, XXXX XXXX pulled my credit 3 times and they sent my loan request to 19 different lenders in which is fraudulent and unacceptable. I did not give them permission to blast my information to all of the Lenders they sent them to with me knowing that my XXXX  report was the only hope I had. They took advantage of me, lowered my credit scores and now preventing me from Refinancing some commercial property I am buying on a lease purchase. I want all of the credit inquiries removed from my Credit Report Immediately
In my name, as a parent, I agreed to a XXXX XXXX XXXX for my son to attend this college in XXXX. It was {$30000.00}. That was not the issue. The issue is XXXX of XXXX, XXXX now owns the loan. As a single mother, my bill came in at {$110000.00} stating the XXXX XXXX XXXX XXXX is XXXX/XXXX/XXXX. Each time it goes into deferment, the interest is being capitalized. This INSANITY has to stop. XXXX says this is my only option as I am not eligible for anything else. I am a single parent and neither I or my son can pay the monthly payments. I was told that I could get no help because it is a " XXXX XXXX '' XXXX. I am not smart and this is XXXX me. Please help, I do n't know what to do!! I am XXXX XXXX XXXX and barely make just above minimum wage. I have no assets either since a recent divorce.
They called my office asking for me and told XXXX of my staff it was a personal matter and I needed to call XXXX XXXX XXXX XXXX XXXX. when I called the area code ( XXXX ) number they wanted me to confirm my social security number and date of birth. I refused and asked them what this was about. They would not tell me. I did tell them that if they were attempting to collect on any collection matter, that I have filed with the FTC twice.The latest date was XXXX/XXXX/2016. I keep telling these people that this is NOT my debt and I also filed an Identity theft issue. I also told them that after I got off this call I was going to contact the CFPB and file a complaint. They hung up on me without saying good bye. I sent letters, etc and still they keep coming after me. It needs to STOP. The last company is Halsted. But funny, the number that first called is a Hawaii area code. Please ask them to stop harassing me over a debt that I keep filing that does not belong to me
my personal information was used to obtain student loans and I had no knowlege my personal information was lost before however I did know until last year that some one had been using my identity and its been crazy trying to prove im who I say I am ever since I need help getting these accounts removed from my credit reports