WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
I have had [ 2 ] fraud events traced back to Equifax data breach ; both handled by my credit union 's fraud department Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. ''
On XXXX XXXX 2018 I contacted XXXX and equifax about numerous inquiries on my credit report that I did not apply for and they were no help told me to just call the creditor
M.G. Credit is attempting to collect on a debt that was dismissed by   XXXX   County Courts   per the petitioner for the debt. The monies allegedly owed are also being reported on my credit reports as well. Document clearly show PLAINTIFF ASK THE COURT TO DISMISS, WITHOUT PREJUDICE PLANTIFFS COMPLAINT FOR EVICTION AND DAMAGES, PURSUANT TO RULE 7.110 ( A ) ( 1 ), FLORIDA RULES OF SUMMERY PROCEDURE, FILED AGAINST THE DEFENDANT,   XXXX   XXXX   XXXX  , Signed by   XXXX   XXXX   XXXX   XXXX   and list his name address and phone number. I am uncertain why this debt is still being requested in addition to being reported on my credit reports with  XXXX ,   XXXX    and  XXXX .
I disputed an account that shows closed by credit grantor to correct it as closed by consumer and I sent documents proving it however The credit bureau still showing closed by grantor.
There is duplicate student loans on my report. They have been closed on XXXX accounts and transferred. My student loans have been 90 % paid for. The information on my reports are inaccurate.
I filed a chapter-XXXX in XX/XX/XXXX and it was discharged in XX/XX/XXXX ( see photo ). I have not acquired any new debt with XXXX since my filing in XX/XX/XXXX. They refuse to update my account as paid and/or discharged in bankruptcy and they continue to report XXXX open/active unpaid collections. I have been turned down several mortgages solely from their false claims.
Transfinancial Companies are reporting medical bills on my account multiple times. I submitted a validation letter and they sent me information back that clearly violates my HIPPA rights. This company does not respond to request and continues to say they verified my account only from my name and social. This type of activity is harmful to my credit reports and their debt collection practices are unethical. 

The accounts reporting are for XXXX, XXXX, XXXX and XXXX.
Received a notice from RPM that says they are trying to collect a debt I owe. The notice says I have ignored repeated attempts by XXXX to collect the debt. I have never had XXXX, and was never contacted about any debt. I have read numerous complaints against this company online - and a lot of them sound just like mine, even using XXXX as the company that is supposedly owed money. I am afraid to call them since most reports online say they are horrible, and harass and repeatedly call and threaten people, even when the debt is phony. It also appears that their bogus charges can appear on credit reports! I want to avoid any issues, since I do not owe anyone any money.
I am finding the 3 day disclosure rule for a refinance not very effective, first of all there is a 3 day right of recission so why do we have a 3 day disclosure as well, getting this orchestrated and the timing correct delayed my closing so many times it took several months to work it out. 
Then on my purchase I am not sure since my contract CLEARLY STATES the seller is paying my title insurance why does it have to be charged to me then credited and why is the loan amount disclosed at promulgated rate when I 'm paying reissue credit. This is so confusing and I have a financial background, I ca n't imagine how confused consumers with no financial background are navigating this new CD. I think you need to rethink this CD or at least how you disclose, just stick to the facts, if seller is paying allow seller to pay, if simultaneous issue rate put that on be upfront.
In XXXX 2015, I purchased a small welding machine online through Paypal. I remember typing in personal information including my last name, email, address, social, and credit card info. A few weeks later the tool I bought was delivered to my house. XX/XX/XXXX, I received an statement from Paypal Credit through my email stating that I owed money to them for this tool. At this point I have never even heard of Paypal Credit, and I was sure I already paid for this tool. 

Immediately, I pulled up all of my past credit card statements looking for the transaction I was sure I made back in XX/XX/XXXX with Paypal. I found nothing. To my surprise I came to the conclusion that my credit card was never charged back in XX/XX/XXXX. Next, I decided to call up Paypal customer service to straighten out this situation. I learned that I was somehow signed up for Paypal Credit which was a complete mistake. I was deceived and tricked into signing up for this service. I would never sign up for Paypal Credit. At the time I was certain I was signing up for a new Paypal account to buy this tool. 

On XXXX/XXXX/15, I sent PayPal Credit a check for the price of the tool which was {$250.00}, I refused to pay {$140.00} they claimed I owed in late fees and interest charges. 

I do not buy anything on credit, I pay off my statements monthly. I have sent XXXX separate letters to their headquarters, and my wife, daughter, and I have made several phone calls to them. They give us the 'run-around ' every single time and now my fees are up to {$220.00}. Please help me.
The card issuer promises " FREE '' online statements to all holders of its 1-2-3 Rewards prepaid Visa debit card in paragraph XXXX of the card 's terms and conditions. In practice, only cardholders who have registered and activated their " temporary card '' as a " personalized card '' can see or print online statements. The card 's website allows temporary cardholders to see the balance available on the card and nothing more. There is no way to access the card 's history of charges ; as a result, one can not discover errors or unauthorized charges and can not provide proof of payment to a creditor or other interested party.
Back in 2015 I noticed a fraudulent account on my TransUnion Credit Report under the name Credit Recovery I contacted TransUnion, and explained I was a victim of fraud, and in fact the account with Credit Recovery was fraudulent. The Representatives at TransUnion requested that I file a police report, and submit an ID Theft Affidavit along with my Identification. I went down to my local police station and filed a police report for the fraud account with Credit Recovery. I then mailed the police report, along with my ID Theft Affidavit, and all the documents that was requested to TransUnion. Approximately two weeks later I receive a letter back from Trans Union saying they were declining to block the accounts. I contacted Trans Union immediately, and tried to get a clear understanding as to the reason they refused to remove these fraudulent accounts from my credit bureau report. No one could provide me with a clear answer. A year later and still no resolve, I just got off the phone with TransUnion who are now saying they can not find my original police report, so they may or may not be able to dispute the items again. I 've done everything that TransUnion has requested and still there is NO resolve. Please help!!!!
Hi cfpb I am reporting XXXX for reinserting a debt that doesnt belong to me from, XXXX XXXX XXXX AND XXXX XXXX XXXX I have proof that it has been removed and have proof. Under the FRCA is a violation for {$1000.00} per each due to FCDPA. I am asking this to please be removed for exchange of the violation fines. I will upload my proof for my protection. IF not removed I dont mind proceeding with litigation as I am covered with all my documents from old to present. Please remove for the exchange of  violation of {$1000.00} per each and litigation.
I applied for a XXXX XXXX XXXX XXXX in XXXX, with an offer of XXXX rewards points after spending {$3000.00} in three months. I met this requirement in XXXX and the points posted to my account almost immediately.When I tried to transfer points to XXXX of my frequent flyer accounts, I was given an error that prompted me to call their fraud department. I 've been informed they are " reviewing '' award accounts for 6-8 weeks. Not only are my XXXX points from this promotion being held, but so are the XXXX points from another XXXX XXXX XXXX I 've had for almost a year, which had nothing to do with this promotion.
I have had a Citi Bank Credit card for several years. Never missed a payment and several times I paid it off in full. Never late. 
My card was to be renewed XX/XX/2015 and for some reason it was cancelled. I called Citi Bank and they could not give me a reason for cancelling this card. I talked to XXXX different people and they could not come up with a reason. One customer service rep told me, your were late with your XX/XX/XXXX payment by 3 days. 3 Days? I told her that was no reason and I had made the payment but their not processing it over the weekend seems to have made it late. 
Now, if they knew they were going to cancel this card why did they not tell us? I had paid it off, in full and then used it on vacation. Why did they let me do that, knowing they were going to cancel this account? Why can they not give me a reason and keep transferring me from one rep to another? That was a very dishonest move on their part. I feel they took me to the cleaners knowing this was going to happen and knowing they would be charging all these hidden fee 's. 
So now they are calling me round the clock mainly at work and hounding me over their mistake. Now I am being added late fee 's, over the limit fees and being turned into the credit bureau. 
I just made another payment today online ( XXXX/XXXX/2015 ) and their late fees and interests are way out of control. And this is their fault, they can not even tell me why they cancelled the card. 
I do n't mind to pay my debt but I am not paying unfair fee 's and penalties. 
And this hounding me round the clock after all the years I have been a loyal customer has got to stop.
In the process of bringing my student loans out of default and into repayment- After rehabilitating my loans- It was transferred to XXXX XXXX XXXX ( in PA ). I received a letter DATED XX/XX/XXXX that stated " for the next 3 months, your payment will remain the same as it was during your rehabilitation '' when I attempted to pay my XX/XX/XXXX payment ( 3rd month ), it increased by 700 %. 
The ambiguous letter should be a violation of the Fair Lending Act ( ECOA ), and should CLEARLY state when the the " period '' starts and ends. 

I called customer service on XX/XX/XXXX spent 1 hour and 47 minutes on the phone with XXXX, XXXX and XXXX with over 20-25 minutes on hold, if not more. 
I was told that the letter was a generic letter and that my payment schedule with XXXX XXXX XXXX BEGAN in XX/XX/XXXX, not XX/XX/XXXX and there was nothing they could do about the payment. ECOA I submitted an income based repayment plan and received an email that they would get back to me in a month. I submitted a request to change the date of my payment, that takes 10 days to review ( was not given an option to choose a date to begin with ). 
It is hard for me to believe that a Income Driven Repayment schedule should take this long. ( XXXX  processed my significant others in days ). 

The last issue I have with XXXX XXXX XXXX is the manner of payment. They require you to give your routing number and ACCOUNT number and will not let you pay by debit card or other payment type. As someone who works in the financial industry, I advise all customers NOT to give ANYONE your checking account number. 
This needs to be addressed! 

In summary XXXX XXXX XXXX should be investigated in their policies and practices.
Capital One states I owe therm {$420.00} on a credit card that they state I opened in  XX/2014 . Which could not happen being, i lost my job in  XX/2014 .
My XXXX XXXX is a paid charge-off account. In the state where I live ( Virginia ), the statute of limitations for paid charge-off accounts is 5 years if they can produce my signature on a written contract ; otherwise it is 3 years. That 's in Code of Virginia XXXX ( XXXX ) and ( XXXX ). As the first delinquency occurred on or before XXXX, TransUnion will be reporting this derogatory information in violation of the law if it persists in reporting this account in XX/XX/XXXX. I am concerned with this because XXXX XXXX is still reporting this item as a charge off when it was paid with zero balance and should either be deleted or listed as closed or paid in full. This is affecting my good credit record and continues to affect my credit rating. Any assistance in this matter would be greatly appreciated.
I having been going back and forth with HESAA - NJCLASS students loan since XX/XX/XXXX. I graduated in XX/XX/XXXX and as soon as they received notice of my graduation they began sending me bills I believe in XX/XX/XXXX. I did not get a recent grad deferment or any assistance from them. So, I called to see what my options were and I let them I was not working at the time. Well they basically told me there was nothing I could do so my loan when into default because I could not make any payments. I have a daughter I am raising alone and I just recently started working so, I can not afford any wage garnishments. So, I called them today XX/XX/XXXX, and told them I wanted to make a payment Friday but i wanted to know what would get my loan out of default. I was told to either pay {$700.00} front or just get my wages garnished because they can not do anything for me. They were not trying to help me at all and they were so rude and unprofessional. Any student looking for a loan please do not chose this one because they are rude and unhelpful even to those who are willing to pay for their loan.
Freedom Mortgage has failed to pay my XXXX property taxes by the XXXX XXXX due date. Freedom Mortgage is collecting {$470.00} each month intended to pay taxes and insurance. I have loan closure documents specifically stating that city taxes will be paid out of that escrow.
I have a 2nd mortgage lien ( HELOC ) recorded in my town registrar 's office for $ XXXX. The recording is dated XX/XX/XXXX. XXXX Bank is listed as the creditor. XXXX was absorbed by XXXX who sold it to a debt collector XXXX XXXX XXXX and is now out of business. I am current on my first mortgage with XXXX XXXX XXXX. The property is underwater on the first lien with XXXX and so extremely underwater on the second lien. At free of charge and only commissioned based ; I contracted with a California firm who locates 2nd mortgage servicers and negotiates down the principal balance in exchange for the negotiated settlement. Again, for free of charge they have reached out to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, and XXXX. They worked with the CEO and head of XXXX XXXX XXXX and my servicer has not been found. The last correspondence I have is from XXXX XXXX XXXX, dated XX/XX/XXXX. XXXX was collecting for XXXX XXXX, XXXX. 
The correspondence from XXXX was a request for {$16000.00} or 17.5 % of the $ XXXX balance. I disregarded that offer because at the time I could n't afford a lump sum of $ XXXX. I am simply trying to locate the current lien holder so I do n't have the need or expense to pursue a XXXX XXXX XXXX. I 'm not sure who the lawsuit would be filed against because there have been numerous companies in the chain of title but only XXXX has recorded a instrument. If I was paying an entity then I would n't be confident I was paying the correct company since many could claim ownership without filing the property recordings. I want proof of ownership of the debt with a " blue ink '' signature and not a " copy '' of a Deed or Note of which there are obviously numerous. 
Can the CFPB help me locate the truthful owner of the debt? The trustee listed on the Deed Of Trust is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, CT XXXX. I 've attached XXXX statements, XXXX collections statements and the title search showing the recording.
To whom  it may c oncern, on  X/XX/17    I did apply online for a "  XXXX   XXXX   XXXX   XXXX  '' offered by U.S. Ban k National Association. Th e terms of the offer I replied to, showed a {$0.00} introductory annual fee for the first 12 months, after that {$80.00 } ( see  attached offer_terms.PDF for comparison ).  <P/> On  X/XX/17    I did receive the "  XXXX   XXXX   XXXX   XXXX  ''. However, the accompanying credit card agreement terms show an annual membership fee of {$80.00}  ( se e attached cc_agreem_terms.PDF for comparison ).  <P/> If I had n't thoroughly read these terms and had just started using this credit card, I would have incurred that fee, without ever having agreed to such terms.  <P/> Sincerely,  XXXX
I have disputed unauthorized inquiries on  2 o ccasions with the credit bureau and requested they be removed. The credit bureau responded with a form letter explaining what an inquiry is, yet did not address my concerns nor delete the inquiries.    XXXX  Inquiry    XX/XX/XXXX     XXXX  Inquiry   XX/XX/XXXX    XXXX  Inquiry    XX/XX/XXXX     XXXX  Inquiry   XX/XX/XXXX    XXXX   XXXX  Inquiry    XX/XX/XXXX     XXXX   XXXX     XXXX   Inquiry   XX/XX/XXXX    XXXX  Inquiry    XX/XX/XXXX     XXXX  Inquiry    XX/XX/XXXX      XXXX  Inquiry    XX/XX/XXXX   XXXX  I nquiry   XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry  XX/XX/XXXX    XXXX   XXXX   Inquiry  XX/XX/XXXX  CAP ONE  XX/XX/XXXX    XXXX   XXXX   Inquiry  XX/XX/XXXX    XXXX   XXXX   Inquiry  XX/XX/XXXX
TD Bank refuses to give money back that was taken from my account fraudulently. 
On XX/XX/XXXX, my wallet was stolen after shopping for groceries at the XXXX near my home on XXXX and XXXX, XXXX XXXX. Several of my credit and debit cards were compromised. While one financial institution notified me by text within minutes of someone using my card, I was unable to contact TD bank for over an hour. I filed a police report immediately. 
I ultimately had my drivers license replaced and had a Fraud Notification placed through the three credit agencies. All of my banks refunded the monies except TD Bank. 
I have been a customer of TD Bank since I moved from XXXX in XX/XX/XXXX. 
All of my payroll checks have been direct deposited into my account, totaling over $ 200K.  There is no emergency number to contact if a card is lost or stolen and I have given no reason to suspect that I committed a fraud. I have never even bounced a check. I am a XXXX   XXXX XXXX! .I would appreciate any help in having my money returned. I am a single working Grandmother of XXXX and can not afford a {$610.00} loss. 
I have provided a copy of the police report, copies of letters indicating fraud from my other financial institutions and my wallet was found by the side of the road by police, several weeks later, and given to a TD bank teller at a different location. ( See attachments ) Still TD bank refuses to return my money.
Account was not verifie d or Consent was no t givin prior to reporting under the FDCPA.
I have received a letter XX/XX/2018 from Debt Collection Company : XXXX XXXX XXXX XXXX. about a debt that is not mine, it is result of Identity Theft.
I have been paying down my Bank of America credit card for over one year and have not used it. The interest charge amount keeps going up instead of down even though my balance total amount goes down.The interest rate has been 19.99 % for quite a long time and has not changed. I am trying to pay it off and it seems that there is an error in their calculations. I have spoken with numerous representatives and they keep giving me the run around. 
Please help me resolve this matter, as it seems impossible to deal with this company.
In  XXXX , I financed my house at  XXXX   XXXX   XXXX   XXXX ,  XXXX , Georgia with  Ocwen M ortgage Co. The mortgage was interest only the first 10 years (  XXXX  ). In  XXXX ,  Ocwen  continued to bill me monthly and I continued to pay. On  XXXX   XXXX ,  XXXX ,  Ocwen cre dited {$6100.00} to the principal balance to my account. In  XXXX   XXXX ,  Ocwen de manded a payment in the amount of {$5900.00} plus {$960.00}. Included in this payment were {$680.00} interest, a late fee/short charge of {$230.00}. In a letter dated  XXXX   XXXX ,  XXXX ,  Ocwen  advised me that the payment of {$5700.00} was for undercharges and not applied toward the principal balance on my loan. According  to Ocwen 's au dits the principal balance on the mortgage has increased each month :  XXXX / XXXX / XXXX  - {$110000.00} ;  XXXX / XXXX / XXXX  {$110000.00} ;  XXXX / XXXX / XXXX  -  XXXX  ;  XXXX / XXXX / XXXX  - {$110000.00} and  XXXX / XXXX / XXXX  - {$110000.00}, no money applied to principal after  XXXX  's payment was made. In an attempt to prove their c ase, Ocwen se nt me a fraudulent Note dated  XXXX   XXXX ,  XXXX  along with other docu ments Ocwen sent me. Enclosed Letters and payment statements received from Ocwen.
US BANK keeps reporting a fraud account on my credit report that does not belong to me!! I have been trying to get this matter resolved for years now but they ignore my communications and will not address nor help me to resolve this. the account was opened in XX/XX/2014 with a balance of {$6600.00}. this is not my account nor was it opened by me!!!
This not a duplicate complaint! 
On XX/XX/18, I used Bank of America app to send my mother money. The only option it gives you to send money to another person is to use XXXX. My mother could not activate and verify an account with XXXX. The day I transferred the money to my mother, she was had problems activating the account to accept the money. I called Bank of America and reported the issue. I was told by Bank of America if she is unable to accept the money the money would return in 14 business days. My mother never received the money I transferred. I never received the money back. I made several calls and filed several complaints with Bank of America. I tried reaching out to XXXX and they told me to call Bank of America. Bank of America reports that they reached out to XXXX XXXX XXXX  where the money was being sent and they refused to release the funds back. Even though the money never reached the recipient. XXXX XXXX XXXX  responded to the compliant and stated they do not accept XXXX transfers so not responsible for the return of the money. Between Bank of America and XXXX one of the them is holding the money. Bank of America and XXXX both ADVERTISE that the app lets you send money to anyone and that's not true. I have attached XXXX XXXX  response that they never received any money since they don't have any agreement with XXXX to accept money. And Bank of America and XXXX keeps passing the blame on each other. I want to know where is the money since XXXX never accepted on behalf of my mother.