WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax did not properly store sensitive information ( my social security number ), and has indicated that this information may have been stolen.
XXXX XXXX would like to have me go through a financial review, which they claim is a verification of an individual 's income to see if it can support provided credit limits, but the process is NOT a legitimate verification of income and is discriminatory since it is NOT consistent from one customer to another. 

The process is not a legitimate verification of income because they are only checking income reported on my XXXX tax return. In my case, I received a raise in XXXX, which in theory should support higher credit limits, but XXXX XXXX wo n't see that raise because they are trying to use last year 's tax forms to verify income, which is old information. 

At best, tax forms prove income from previous years, NOT current income. Somebody could have received a raise, demotion, or even lost their job after XXXX XXXX of the current year and based on XXXX XXXX ' method of income verification, they would never see any of these changes in income. 

The process is NOT consistent between customers, which means it 's discriminatory. I 'm being asked to provide my XXXX tax forms, but other people get an opportunity to provide pay stubs, current bank statements, or a conference call between customer service at the customer 's bank and XXXX XXXX. I 'm going to unfairly receive a lower credit limit because XXXX XXXX is trying to verify my income based on old information. If I was able to provide more recent financial data, like my pay stub, I 'd receive a fairer verification of my income, as the pay stub would be much more recent than my XXXX taxes and display my raise. I also started a business in XXXX and have income from that, which wo n't appear on my XXXX tax return.
I sent them a letter on XX/XX/XXXX ; In XX/XX/XXXX, and in XX/XX/XXXX asking them to verify the debt and amount due. I made several payments to Ad Astra in XXXX and XXXX towards the balance of the loan, but my credit file still reflects the original payday loan amount of {$660.00}. I have reached out to them via US Postal service but haven't recieved 'any ' correspondence back. I need for them to update the amount owed and work with me to resolve the balance or remove the incorrect information from my credit report altogether due ti inaccurate information.
I made an online payment of {$80.00} on XX/XX/XXXX to my line of credit with XXXX  XXXX XXXX ending XXXX using my checking account at XXXX XXXX XXXX ending XXXX, the payment was not applied correctly and I have been calling many times in order XXXX XXXX XXXX make the correction and not succeed. I have been paying same way since XX/XX/XXXX with not problem till now, XXXX XXXX XXXX is reporting negative information to credit bureaus hurting my credit scores. XXXX  XXXX XXXX did withdraw the money from my checking account on XX/XX/XXXX and they are not giving me any solutions.
Despite paying off my balance in ful l, Macy 's  has charged a {$2.00} " minimum interest fee '' to my account every single month. In  XXXX , I got fed up and initiated a complaint with a  Macy 's repres entative,  XXXX . Within that communication,  XXXX  confirms that I paid my balance in full and that he will close my account, which he subsequently did. Despite that, on my next statement in  XXXX   ( after my account had already been paid in full and closed down ), I was char ged another {$2.00} fee. This is incredibly frustrating, and quite frankly dishonest, to keep charging interest on customers who have already paid off their balance, especially since it was confirmed by the issuing company. I doubt that I am the only  one imp acted by this and I encourage others to submit complaints as well.
I have sent this company several letters requesting validation of the claimed debt and they have not provided me with viable evidence.They are claiming I owe {$750.00}. I sent them a letter on XXXX/XXXX/2017.  They then sent the account to another company and I requested validation of the debt with them as well and they have not provided it. They are giving me the run around and they are not verifying this unverifiable account. I have attached the letter I sent to both Midland Funding LLC and the law office they sent the account to, XXXX XXXX XXXX XXXX XXXX.
I have contacted JP Morgan Chase Bank in Ohio several times in regards to an unauthorized debit of {$330.00} that occurred on XXXX/XXXX/16 on my checking account. The bank has repeatedly refused to allow me to dispute the unauthorized transaction without any explanation as to why.
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion I need those hard inquiries removed from my credit report.
On or around XXXX-17 I noticed that account that were discharged in bankruptcy were still showing on my credit report. I no long wish for my personal information to be available through XXXX XXXX, XXXX, Experian please opt me out of any and all commercial services available to the public or Third party companies. The following companies and information is list in error on my credit report : XXXX XXXX XXXX # XXXX, Please delete error. This account XXXX XXXX # XXXX was in a Bankruptcy please delete error. I was under the impression that bankruptcy information and date was being removed from credit reports if that can be updated that would be great so I can refinance my home. These account XXXX XXXX XXXX # XXXX, XXXX XXXX CO XXXX XXXX, are listed wrong please delete bankruptcy.
In the course of my student loan, I have been making payments and I feel that the payments haven't been added to the debt, the company stated that I am delinquent over 180 and my payments are auto pay. This has had a negative impact on my credit score.
This complaint is against Procollect Incorporated collection agency. On XX/XX/XXXX I paid in full an account I had with them for the amount of {$1600.00}. When I called to pay my balance I was under the impression that it would be removed from my credit and it never was. It is affecting my credit score to this day because it keeps updating on my monthly credit report. I called Procollect on XX/XX/XXXX spoke to someone that told me it was not coming off of my credit report because I had disputed it with the credit bureaus. So I called the credit bureaus and asked them to remove the dispute so Procollect can update it and remove it from the credit report. They told me that the dispute had already dropped off because it had been over 30 days and there was no resolution. When I called Procollect back to inform them the dispute was removed I spoke to a different lady than the first time. She was being very rude as soon as she answered the phone she already knew my name. I told her I spoke to someone a week before and she said, " I know you already spoke someone about this on XX/XX/XXXX so what can we do for you now '' I asked her if they can update their records and remove this account from my credit report since the dispute was removed and she said that they don't delete accounts. So I told her the person I spoke to before told me it would be done and she just kept insisting that they don't do that and could give me no explanation of why the other lady said they would. When I tired to get their names they told me that information was irrelevant and then they hung up on me.
I have had a Home equity loan with Bank of America since XXXX 2013. It is supposed to be a 25 y conventional with fixed payments and fixed interest rate. This loan has been nothing but a problem. I think Im being taken advantage of mainly because most of the money I pay monthly on a timely fashion gets posted to interest and MISC and on several occasions zero posted to principle. I Received monthly statements with different amounts due each month. I requested an audit to be done on my account several times as well as provide me with an amortization schedule, which I was told several times that " .... this loan does not have an amortization schedule, it is a rare product that BOA only has XXXX of these unusual loans ... I do not understand it myself.. '' the BOA rep said. 
It was never disclosed to me that it was an unusual loan, I feel it is a preditory loan because 90 % of my payments go to interest and misc postings ... and on several occasions, zero to principle. I have always paid on time. After I got hang up on several times by the BOA reps, transferred from dept to dept and to automated systems where I had to wait for hours at a time and got disconnected, I decided to reach out to the CEO of BOA hopefully I can get some clarification. I sent him XXXX emails and I got contacted by the resolution department. They reps in this department do not seem very knowledgeable about this type of loan either.
Our mortgage was set up on automatic payment. The mortgage company made a mistake on our XX/XX/2016 automatic withdrawal. We received a notice dated XX/XX/2016 that our account was going into pre-foreclosure. We called the moment we received the notice and talked with a mortgage representative and cleared up the issue. We mad a payment over the phone to ensure the account was in good standing. They CONFIRMED on a recorded phone conversation that the issue would NOT be reported to the credit bureau. I learned today that they did in fact report it. I have a payment confirmation # and have requested that they reverse the reporting, yet they said it would take 10 days for their research to be performed. I see not reason or incentive for the mortgage company to admit that they made a mistake as it would be another black mark on their record. We have XXXX mortgages with this company have a 100 % perfect payment history other than this mistake on their end. Any support from CFPB would be greatly appreciated. 

Thank you, XXXX XXXX
I have sent several certified letters since XX/XX/XXXX to Lanier Collection Agency for debt validation of a debt that's being reported to XXXX for {$170.00}. I have not gotten a response from any of the letters that I've sent. I contacted the company on XX/XX/XXXX to pay the amount of the debt and ask for it to be removed once I paid the entire amount. I was placed on hold and told that I had 4 accounts with them and that they would not accept the payment to remove the debt until I paid all 4 which totaled to {$1000.00} ( not sure the exact amount ). Only one account is reporting on my credit report. I called to pay that one since I can not get validation of the debt. I was also told that they had spoken to me on several occasions about the debt and when I ask when because I did not recall, I was given a date of XX/XX/XXXX. The company refuse to accept the payment to remove the collect or to validate this debt, so I demand that it be removed from credit report and that they do not report any other collections that are not being reported. I was told that on XX/XX/XXXX they reported additional debts and as of XX/XX/XXXX the only debt that I'm referring to is showing on my credit report.
My complaint is towards Coinbase where I previously had XXXX euro  stored with them in what I believed was a secure wallet. On XXXX.XXXX.2017 I tried to login to my account at XXXX ( a subsidiary of Coinbase ) which I accessed through XXXX ( the first link in the search ) and was instead taken to a phishing site XXXX, set up exactly the same way as the original site. I tried to login and after two failed login attempts using my XXXX protection codes I recieved two emails, one which stated my email account had been accessed from an unauthorized location, and another to say I had transferred the entirety of my account in the form of XXXX to an unknown address ( screenshots attached of both emails ). After this happened I obviously contacted the company via email to explain the situation, whereby I was reasonably promptly sent a generic reply saying they had blocked my account and asking me to complete a series of questions as a security review. I changed my passwords as suggested and was told I would recieve a reply within 5 days. In the meantime I did some research online and realised I was not the only person to fall victim to this fraud and that Coinbase had been  notified of this security breach as many as 11 days earlier via XXXX ( screenshot attached ) yet failed to do anything about it in order to ensure their customers were suitably protected. When I did recieve the reply a few days later, it was once again a generic response which somewhat predictably washed their hands of any wrongdoing and implied I would not be able to get my funds returned to me. After speaking to others who were scammed the same way and who have since seeked legal advice, Coinbase should be held liable for this breach of security and should refund their customers as they failed to act quickly enough to extinguish the threat. I hereby declare that I would like my original amount of XXXX euro refunded to my Coinbase account and my account unblocked as soon as possible or I too will be forced to take legal action against the company
Account handled by XXXX XXXX XXXX now turned over to new attorney - Cooling & Winter. Never received debt information from XXXX.
In XX/XX/2015 I opened a Credit Card with Pentagon Federal Credit Union. I fell on hard times due to a accident that left me incapacitated. Nonetheless when I received my settlement money I called Pentagon Federal and spoke with a nice woman about taking payment for both my line of credit and credit card. The woman advised me that she would have someone give me a call back making sure that I was still able to pay on the card since it was close to approaching Charge-Off Status. The woman called me back the following day and stated that I just met the cut off stated her supervisor and she then proceeded to take the payment information. 
I would never pay money that I do not have just to have them report my credit on my credit as a charge off. I could have kept my money. In good faith I called to pay them and now they are stating that it was paid after it was charged off. If this is the case they need to give me back my money. The woman I spoke with was 100 % certain that it had not reached charge off status and that was how I was even able to pay the balance. This makes no sense and they are hurting my chances of purchasing a new home because of it. Not to mention my daughters tuition payments hold a higher than usual interest payment since they did this XXXX. I have the name of the woman some place and will send that in as soon as I locate it. I am tired of trying to fight these people to do what is right.
I received a voicemail on my office phone XX/XX/2017 The voicemail requested a call back. I called and spoke with XXXX from XXXX XXXX. He stated he was calling on behalf of XXXX in regards to a medical bill. He stated they received the file in their office on XX/XX/2017. He told me that the account had been submitted for legal, I questioned how they can do that with me not receiving any notice, he said they mailed me a letter out on the XXXX when they received the file, as of today XX/XX/2017 I still have not received written correspondence. He advised he can give me a discount if paid in full that day {$1300.00} was the original amount. He said they can break it up into XXXX payments or they can go out a year. I advised that I can do a XXXX month payment, he said that is not an option that it is against their policy only to go out a maximum of XXXX months. He again started talking about legal action and that I would have to pay the bill in full plus interest as well as court fees and attorney fees. I was extremely upset and felt as if I was being forced to do what they wanted me to do or I was going to court behind it. I told him I can look at what was doable for me and contact them back. I also requested my XXXX phone be removed from their call list. I filed a dispute on their company website right after the call disconnected. Less than XXXX hours later the I received a call from the original collector that had left msg on my XXXX phone. He said he received a message to call me back. I never once told anyone to have him call me back. I asked how the dispute worked as I had filed XXXX on their website and he stated they review it to see if the debt is valid and go from there with me proving the debt was not mine, etc. I advised him again I did not request any calls back that him calling me and making contact XXXX times in XXXX day was a FDCPA violation. He back peddled and said that the message to call me back came from his supervisor from the dispute. But not once did he try and see why I filed the dispute. He said he can offer me the XXXX month payment option?? I questioned about the policy on only going out XXXX months, I asked how XXXX rep can only give XXXX months based on policy but he can do XXXX months, he stated that it was is file and he can do that. I became very upset and cried advising him that I want to make good on it but that I felt like it was on their terms or no terms at all without it going into a legal status.
USAA Bank closed my checking account due to attempted access by an unauthorized company. I disputed it and eventually had to have CFPB to resolve it. USAA closed the account but did not open another account for me due to the attempted fraud.
XXXX - Comerica Bank I have a card through this company where my funds are supposed to be deposited each month. My card was not working so I called to find out what the issue was. The online voice stated I ordered a new card on XXXX/XXXX/XXXX and should receive this in 5-10 days. I however did not order a new card, the card I have does not expire until XXXX and I currently have no idea where my money is, where this new card is, and I can not get ahold of anyone to speak with even though the website states I can speak to someone 24/7. When calling it says all representatives are busy and then disconnects. At this point I do not know how to correct my issue so my niece was helpful with filing this complaint.
Company is debt collector attempting to collect a debt or behave of the Original Creditor which is a violation of the FDCPA. There is an active IDENTITY THEFT REPORT filed and is listed on my Credit Reports. 

805. Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX o'clock antemeridian and before XXXX o'clock postmeridian, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 

( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

( d ) Consumer defined For the purpose of this section, the term " consumer '' includes the consumer 's spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
I have a Macy 's American Express card. On XX/XX/2017, I had a balance of {$4.00}. I am enrolled in autopay. The {$4.00} was paid in full on XX/XX/2017. On XX/XX/2017, I was charged a {$2.00} finance charge, after my account was paid in full/I had a XXXX balance. I contacted the credit card & they told me I was charged the fee because I carried over a balance the month before. Therefore, I would have continued to have a {$2.00} balance every month because I would constantly be carrying a balance.