WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX checked their database of 4.7 billion publicly breached accounts and my email address ( XXXX ) showed up in 1 data breach. That means my online accounts and personal info may be compromised. XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ), originally incorporated in the state of Wyoming, is no longer in business. In XX/XX/2017 a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP addresses, names and physical addresses all of which was used as part of an enormous spam operation. Once de-duplicated there were 393 million unique email addresses within the exposed data., also I am part of the data breach that occurred with XXXX XXXX , XXXX and the IRS . I am following the advice from the FEDERAL TRADE COMMISSION on filing a complaint. I have contacted the police department, all 3 credit bureaus to make them aware of the Identity Theft and disputed. The Fraudulent addresses were all removed from my report and just recently re-appeared. I have spent a tremendous amount of time and effort in resolving the brutal effects of Identity theft and this is not right. I don't deserve this life of XXXX. I am disputing all of the following information due to be incomplete and inaccurate.
XXXX certified letters within a 60 day period to Franklin Collection Service , Inc. has failed to provide the following requested information to validate alleged debts:XXXX Signed credit applications between myself and the original creditorXXXX. Copies of all signed vouchers from the date accounts opened until defaultXXXX. Copies of all statements from the date accounts opened until defaultXXXX. Proof of the statue of limitationsXXXX. Proof of agreements that they were hired by the original creditor ( creditor as defined by the FDCPA ) orXXXX. A copy of the contracts Franklin Collection Service, Inc.purchased the alleged debtsXXXX. If the alleged debts were purchased, provide a copy of agreements between Franklin Collection Service , Inc. and myself, signed by me, stating that I have a contractual responsibility to Franklin Collection Service , Inc. for the alleged debtsXXXX.Provide proof that Franklin Collection Service , Inc. is bonded/Licensed for debt collecting in the state of AlabamaBy failing to provided all of the information that was requested on my behalf, the disputed claims are now considered invalid and all collection efforts must be stopped and the accounts must be deleted from Franklin Collection Service , Inc. Franklin Collection Service , Inc. can not validate their claims, therefore they can not, by law, collect on it, or sell it to another collection agency. Also, reporting debts to the credit reporting agencies that can not be validated is a violation of the FCRA XXXX Fair Credit Reporting Act XXXX, and carries a {$2500.00} fine. Please advise Franklin Collection Service, Inc.of their infractions and that the alleged debts must be removed from their account immediately, and they also must be removed from all credit reporting agencies.Thank you.
Citi Mortgage brought my loan. After approx 2 years they put me into a modification program. All payment where on time. I have receipts. They did not inform me that the payments where only partial payments nor when a year was up that I was no longer in program even after timely payments made. After almost two years they demanded {$14000.00}. Than they said if I sent them XXXX I would be put back into the program. Until I requested a credit report I did not know that every month that I paid in the program they reported a late payment, ruining my credit! Citi Mortgage even lied to The Hope program which I was working with for several months. Seven times I faxed the needed paper work to Citi and everytime they stated it was lost or not recieved even though I have the Fax report stating it was a successful send. We had a severe storm in our area and my insurance company and I made over XXXX dollars on improvements on the residence, which I had to notify Citi of the same. Three months after improvements where made, Hope said they did all they could do and Citi still not confirming they had received paper work after several 3 way calls with myself, Citi and Hope, they foreclosed on my home. After employee from Hope, I stated this was n't fair, this program was not how President Obama wanted carried out..She said, That 's what you get when you vote for Him '' and hung up. That was the last conversation I had till I received a notice that my house will be sold.A company said if I vacate within a certain time I would receive XXXX dollars. I not only did not receive the money but two months later they brought me to court stating I did not vacate. I showed the Judge my new lease and the case was dismissed. The person I was to meet to confirm that I had infact moved out never showed up.
Wells Fargo Bank desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
My Macy 's American Express card was stolen and someone charged dozens of XXXX gift cards on it over a period of two months. This occurred last year and I have spent nearly a year trying to have this fixed. I have been told repeatedly that I now have a zero balance ; however, I have begun receiving calls from Collections Agencies stating that I have an outstanding {$840.00} balance on this card that has been closed for nearly a year. I am trying to buy a house and this has negatively impacted my credit score that I worked extremely hard to maintain. Today, XXXX/XXXX/16, I have been on this call for XXXX minutes and have spoken to nearly XXXX different people, all telling me different things. I have been transferred to multiple departments and people to whom I need to re-identify and re-explain the situation because they did not do so on their end. The most recent person told me that the {$840.00} balance is comprised of late fees and missed payments from the charges I never made.
All three of the major credit reporting agencies ( Trans Union, XXXX and XXXX   ) are not up to date all the time on or reporting bogus information on me of which creditors look at this information and take it as being totally correct.

It also doesn't make sense that when one credit reporting agency fico score on me increases the others go down and vice versa.

When I apply for credit such as a car loan the creditor looks at several lending institutions with the best interest rates for my loan which gives me a " ding '' each time an inquiry is made and adds to my Hard Inquiries which in turn lowers my score ( I'm just trying to get the best interest rate ).

This also doesn't make any sense, for example, my fico score reads XXXX when my Positive Negative Credit Card Use is : 5 % Credit Age : 3 Years ( although I have 20+ years ) Payment History is : 100 % Hard Inquiries : 10 ( lowers score just for checking ) Derogatory Remarks are : 0 Total Accounts are : 21 WHAT IS UP WITH ALL OF THIS BAD REPORTING?
Chase Auto Finance disabled my online access 2 years after my bankruptcy was discharged. My bankruptcy was discharged on XXXX/XXXX/XXXX and I have been paying my auto loan online since the inception of the loan and on XXXX/XXXX/XXXX I went to logon to my account to pay my XXXX/XXXX/XXXX payment and the site would not let me on. It gave me the message " you do not have any accounts to show ''. Finally after to speaking to about 7 people at Chase I was referred to their bankruptcy department and the representative told me because I had filed bankruptcy even though it was over 2 years ago I was not allowed to have online access and with their conversion to new account numbers they just realized I had it and had to remove it. The representative stated that it was the law that I could not have access.
I financed a car loan that was purchased from XXXX in XXXX on XX/XX/2012. The car was financed by not sure on the sale contract is states the Creditor and Seller is XXXX, LA XXXX. But I have been making payments to Santander Consumer USA and when i requested proof I have not receive anything stating the loan was to be paid to Santander. I asked Santander for a pay off the amount that i was given today would be the same as two years for this date but was told that the interest is accumulated. XXXX and Suntander Consumer is practicing deceptive misleading consumers. The Consumer 's rights to safety, to be informed, to choose and to be provided correct information when a purchase is made. This contract and what is being done is not providing the correct information and Suntander has provided services that on the paper states that the creditor is XXXX.
My mortgage servicing was switched to Loan Care LLC this past summer. Since then I have missed bills, been charged fees, been denied the opportunity to pay my mortgage, been left on hold and/or disconnected multiple times, been denied the opportunity to speak with a manager, been belittled or condescended to. All the while I still have not received any bill or description of charges, penalties or fees.
My Experian report dated XXXX/XXXX/XXXX reflects XXXX inquiries for credit facilities for which I DID NOT apply : XXXX XXXX XXXX on XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, EXPERIAN XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, EXPERIAN XXXX XXXX/XXXX/XXXX, EXPERIAN XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, EXPERIAN XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, EXPERIAN XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, I XXXX/XXXX/XXXX and XXXX XXXX XXXX XXXX/XXXX/XXXX., XXXX XXXX XXXX/XXXX/XXXX. I suspected identity theft and have put fraud alerts on my credit reports with each of the XXXX credit bureaus. In the meantime, these inquiries need to be removed from my report as they were fraudulent. I reported them as fraud to Experian on XXXX/XXXX/XXXX but they have failed to remove the above listed fraudulent inquiries even though they placed a fraud alert on my report. These inquires are causing harm while looking for employment as they show as though I have applied for credit which I did not.
I mailed multiple inquiry letters to TransUnion in order to dispute information in regards to 13 hard inquired that is being reported on my credit report. The request that was sent included 13 hard inquiries that were not factual.I was apart of the TransUnion glitch and several inquiries that had been deleted have been added back to my report. Inquiries as follows XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Bank XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. The Fair Credit Reporting Act ( FCRA ) regulates credit bureaus in the United States, including XXXX XXXX. It establishes rules for reporting, and specifically, 611 5 ( b ) of the FCRA covers a credit bureaus requirements relating to the reinsertion of previously deleted information on an individuals credit history. It states that if information was removed pursuant to a consumer dispute, that information can not be re-added to a credit bureau. TransUnion customer service did nothing to help and take care of the negative inquiries reporting to my report.
I was living in XXXX for a few month taking care of my XXXX mother. American Express cancel my membership because it was past due for a few months. I have no access to gmail in XXXX, and was n't made aware of this situation. When I came back to the States, I immediately contacted American Express and offer to pay my annual fees and request them to retro activate my account and give back the XXXX plus points.
CBNA/SEARS has failed to provide me with any documentation showing that the original credit amount in XX/XX/XXXX of {$50.00} ( according to XXXX report ) to the questioned account after it was first requested. I have never received any invoices/bills at any time when the first amount was reported to XXXX  in XX/XX/XXXX or any billing cycle since that time. I reported the issue to XXXX  on XX/XX/XXXX as to having no knowledge of charges to the account nor do I have any knowledge of setting up this account. XXXX   responded with the information shows accurate and that I should contact the creditor CBNA/SEARS directly. I sent a letter certified mail on XX/XX/XXXX to CBNA/SEARS requesting they either remove the negative report from my account and/or send me copies of bills/invoices showing charges and how this original {$50.00} dollar credit came about, where the billing address is that was reported on the account, and what store the account was opened at. On XX/XX/XXXX CBNA/SEARS  responded that they reviewed my information and that it shows accurate and to contact one of the credit agencies. They specifically ignored my request in the certified letter sent to them asking for the documentation on the account. CBNA/SEARS  in response to my letter, instructs me to contact the credit agencies such as XXXX. Had CBNA/SEARS  really looked into this account as they stated in the letter, they would see XXXX  is aware of the issue and referred me to CBNA/SEARS for further help. 

I previously asked CBNA/SEARS to send all documentation including copies of bills listing items purchased, address original bills had been sent to, original account opening documents and the store/facility location that this account was opened at. I have disputed the situation with both XXXX, and the CBNA directly and neither has assisted in the efforts of resolving this issue. They have yet to return any details showing how this balance came about. I can't fix the problem if the companies involve refuse to send supporting documents that would allow me to see how the balance came to be past due for items purchased that I have no knowledge of. I sent XXXX  a dispute on the accuracy and they sent back they found the information is correct and to contact CBNA. I sent certified mail requesting these documents to CBNA and got a generic response stating they checked into the information and it is correct. This is not enough to satisfy me as the account should be removed since it is not accurate information being reported and the company refuses to send me the documentation I requested. I would also like to note that according the the XXXX report the original charge was XXXX dollars. Had this invoice been sent to me originally at the time of the charge I would have resolved it one way or another with CBNA immediately. No other parties would have been involved with this issue as I would have the documentation to report fraud and resolve the issue before it hit my credit report. I find it hard to believe that CBNA has not in this entire process seen that I have lived at the same address for 8 years and did not send 1 notice about this issue.
I had 3 Barclaycards, one XXXX XXXX, XXXX XXXX, and rewards masetercard. This company has been an absolute nightmare to deal with. They refused for MONTHS to shut off auto pay and repeatedly tried auto drafting payments out of an account that had been closed. So not only was I being charged ridiculous fees from my bank but then these people started to hit me. I had one account set up on autopay ( XXXX ) now I go online and atopay has been shut off and now they are reporting my account late. I have a serious medical issue and these people have RUINED my credit by first closing my accounts due to the fact that they refused to update the autopay for a different account. Now they DOUBLED my minimum payments so not only are you causing me ridiculous amounts of fees they are making the payments unaffordable at a time when I am sick with possible XXXX.
I have been trying to have Freedom Mortgage cancel my PMI per mortgage disclosure document language. I tried multiple times over the phone but the operators ( who read off from a computer ) kept telling me that that I have not reached 78 % loan-to-value. I said the calculations should be from the original sales price ( mortgage language ) and they told me its the balance ( loan amount ) at the time of the refinancing with them. They told me to email in writing to their customer service. 

On XXXX XXXX, XXXX, I sent my first email saying that my mortgage disclosure document states when the loan-to-value of mortgage reaches 78 % of the initial sales price or appraised value, whichever is lower, and paid for at least 5 years, the monthly insurance premium will be eliminated. I had been paying the premium for 8 years since the original loan of XXXX. The appraisal of XXXX was the same as the sales price. When the mortgage was refinanced with Freedom in XXXX, there was no appraisal done during their streamlined refinancing promotion. 

On XXXX XXXX, Freedom sent me a generic response without answering my specific letter, saying that FHA will determine when a borrower has reached 78 % loan-to-value ratio. 
On XXXX XXXX, XXXX, after receiving the generic response letter from Freedom, I sent a second email including language as well as attaching Title 12 U.S. Code 4901 ( 12 ) which came about after PMI Cancellation Act of 1999. It states : " The term original value, with respect to residential mortgage transaction, means the lesser of the sales price of the property securing the mortgage, as reflected in the contract, or appraised value at the time at which the subject residential mortgage transaction was consummated. In the case of a residential mortgage transaction for refinancing the principal residence of the mortgagor, such term means only the appraised value relied by the mortgagee to approve the refinance transaction. '' On XXXX XXXX, XXXX, Freedom mortgage sent me the same generic response letter.

I believe I have met the intent of U.S. Code 4901 ( 12 ) as well as the mortgage disclosure langauge.
XXXX XXXX BANK AND CONTINENTAL FINANCE IS TRYING TO COLLECT MORE THAN AGREED AND IS UNDER XXXX, ALSO IS REPORTING LATE PAYMENTS ON CLOSED, AND CHARGING FEES AFTER THE FACT.
Navient is currently charging off multiple account on my credit for the one student loan I took out. The servicer constantly harass me by calling my phone everyday multiple times a day, even after my loan went into default and they started garnishing my wages. I informed them I did not appreciate the phone calls and I would sue if they continued. They continued to contact me and were extremely rude when I informed them I would sue them if they continued to harass me. One of the representatives even stated " Who are you going to sue? The Federal Government? ''
Lender : Webster Bank in Connecticut ( XXXX, their public number ) On XX/XX/XXXX, I was charged a late fee of {$46.00} for a required payment of {$29.00} that was due on XX/XX/XXXX. 

I feel that this action by the Bank is unfair and deceptive. 

I asked the bank to kindly waive the fee. They refused. 

This is a variable loan, so I have been making a recurring payment of {$900.00} for the past several months, an amount that exceeded the minimum payment amount. The loan repriced in XXXX, which I wasn't tracking. 

As a result, the {$900.00} that the Bank received on XX/XX/XXXX was {$29.00} short of the minimum amount due. Immediately upon receipt of banks past due notice on XX/XX/XXXX, I called the Bank and brought the account current that day with a transfer of {$29.00} from the linked DDA account at the Bank. 

The late fee of {$46.00} is 5 % of the minimum amount owed which was {$920.00}. 

I feel the Bank 's charge is unfair, at I think it is unfair to charge {$46.00} on a short-payment of {$29.00}. As I brought the loan current on XX/XX/XXXX, I believe this amounts to a 5700 % interest rate on the amount owed of {$29.00}. I think a reasonable person would regard this practice as unfair. 

I think it is deceptive, because a condition of the loan is that I am required to maintain a linked non-interest bearing checking account and grant to the Bank a right of offset for the outstanding payment on the load. The linked checking account had a balance exceeding the {$29.00} that was owed. 

I think it's deceptive to require a linked checking account, ask for a right of offset, and then choose to charge a late fee of {$46.00} when the only reason to require the right of offset is to make the transfer from the DDA when required.
Since I graduated in XX/XX/XXXX I have been nothing but struggling to make my student loan payments each month. My payments right away started at {$390.00} and that was only for one of my student loans, out of 4. {$390.00} was also considered a " rate reduction '' as if Navient/XXXX XXXX was doing me a favor. They allowed me to pay that outrageous payment for 15 months. That rate reduction plan just ended this past month ( XX/XX/XXXX ) and now I am paying {$480.00} a month just for Navient. That is not even close to including my other loan vendors like XXXX XXXX and my other federal student loans through navient. The fact that my interest rate starts at 8 % and goes as high as 11 % is absolutely sickening. Makes it near impossible to afford the cost of living in this day and ago. It is unfair to pay such high payments with an outrageous interest rate. It makes it near impossible for anyone to pay back their loans in such a short amount at a large amount along with the cost of living. I thought student loans meant there was going to be low interest considering the fact that students do not make any money during school as well as a " generous '' 6 months graced period after graduation. It is very unrealistic to think that students are able to afford these ridiculous repayment plans.
I applied and was approved for a modification on my equity line of credit which was about to balloon. I made all trial payments to the Bank of America. The bank marked me as late both 30 and 60 during the time period when I was making my trial payments. I was never late and fully complied with the bank 's requirements. They have continued to report me late, ruining my credit and now can not refinance my home. I called the bank and spoke with customer service several times only to be shunted around from person to person.
I have been trying to get BANK OF AMERICA as Successor by merger To LaSalle Bank certificate holders of XXXXBack Certificates Series XXXX XXXX Bank to honor this agreement with your office. I am writing this letter because I have fought and fought to save family and myself, from becoming homeless. Bank of America created a fraudulent assignment from XXXX XXXX XXXX who filed for bankruptcy before the assignment was created. Bank of America and its attorneys have refused to offer me an affordable modification under HAMP. Bank of America has refuse to discharged the debt and is still moving to remove me and my family out of the property. The state court has ignored my pleas in Illinois circuit court case XXXX. The Illinois appellate court case number XXXX XXXX have not ruled. I have went as far to seek relief in the United States Bankruptcy XXXX XXXX of Illinois Case number XXXX Bank of America has fail to comply with the law. What is the purpose of the Consent Orders in XXXX, XXXX, if the people in which were mostly affected can not enforce or receive any benefits outlined by the Comptroller.
I ask Experian credit bureau to delete old inaccurate information, which they have return a letter with an statement that saids we received a suspicious letter and we determined it was not you. I want them to delete old inaccurate information.
I disputed an error on EquifaxXXXX report its been over 2 months no results