WillisBack/dataset-financial-user-claim huggingface dataset:
Attempted to request XXXX Freeze on Experian web site. When directed to apply on line, simply see " loading ''. Inexcusable. When I call, receive recording indicating where to mail a request! I am sure banks do not have to do any credit requests by mail!!! 

Interaction with XXXX was immediate on the Web. 

Where is the CFPB. You are the CONSUMER protection bureau, not the credit rating agency protection bureau. Your inaction is inexcusable
I deposited a check on or around XX/XX/2016, at TD Bank , N.A . An extended hold was placed on the funds. I did not discover why a hold was placed on the funds until speaking with a branch representative on Monday. At that time, I was informed that the fraud department unilaterally decided on Monday to delay funds availability because of the " high incidence of fraud '' during the holiday season. I was not given a disclosure or made aware of this policy prior to depositing this check and I certainly was not given a disclosure 30 days prior to implementing this change as required by Regulation CC. 

The check was drawn on an account at XXXX. The check is from the XXXX of Massachusetts and it is for fuel assistance. I am a low-income individual, a single parent, and I need that money to be available to me. I have contacted TD numerous times and informed them that I believe this policy violates Regulation CC for several reasons and that failing to disclose this policy is unfair and deceptive.
Wells Fargo is refusing to honor their letter stating that the XXXX % threshold to drop PMI was met. I used their appraisal company to appraise my home which cam is at XXXX % PMI. After they charged {$400.00} for the appraisal they sent a " new '' letter saying the entire increase in the value of the home must be due to structural improvements. When we proved this was the case they stated the value must be the cost of stuctural improvements not the increase in value due to the improvements. This was never made clear as they gave me the initial requirements. I called and spoke to several reps before beong escalated to the top team members who not only refused to drop PMI but would n't even refund the appraisal portion of my inquiry. This was downright misleading from the beginning and an increase in revenue for them as I followed their letter to the the T and nothing was changed.
On XXXX XXXX, I moved into a house I had just bought. Since I will need to purchase a lot of home improvement supplies, I signed up for the Lowe 's Hardware credit card through Synchrony in XX/XX/2018. Synchrony sent me a letter asking me to call them to verify my identity. They asked me questions supposedly from my credit report. They then sent me a letter saying they couldn't verify my identity. I sent them an original of my credit report to prove my answers were correct. XXXX XXXX at Synchrony sent me another letter dated XXXX XXXX saying they still could not verify my identity, which is impossible because I am me.
We applied for re-entry permit to XXXX and paid two cheques of {$660.00} for my wife and I. The purpose of this application was to start my medical treatment in XXXX which is expected to exceed the time allowed for green card holders traveling out of USA. Our application was made on XX/XX/XXXX and cheques were written on XX/XX/XXXX. We received a letter from chase bank on XX/XX/XXXX by post, the letter dated XX/XX/ stating that our account has been closed for the reason that we did not provide information they requested. There was no prior intimation or information given to us about closing our bank account. 
The aforementioned letters requested our social security numbers as well as the XXXX forms. These were filled and sent out immediately by the return envelopes provided. There was no delay in response from our side. The bank also took copies of our social security cards when we opened the account. It was a joint account for both of us. 
Due to this negligence, our checks were bounced and XXXX has now rejected our application with the reason that the check was returned by my bank. Despite maintaining the required balance at all times in our account and adequate available balance in our account whilst writing the cheque, our accounts have been closed causing a delay in my medical treatment and prolonged the pain in my XXXX. We will also have to return to the USA midway through my treatment and then travel back to XXXX to complete it. 
Implications of this closure. 
1. Delayed medical treatment and failure of our plans 2. Damage to our credit 3. Extra cost of 2 plane tickets due to increased travel 4. Penalty of {$61.00} paid to XXXX for their service fee We request you to please look into the detail of this matter and take the appropriate action so that other customers do not suffer due to this unprofessional behavior of the bank. Also, I request you to compensate us for the losses we have to bare due to banks irresponsibility.
My son XXXX XXXX lease a car with Honda as his father I co sign to help him the car lease is over they have the car Honda never notify me that he still owe excess mileages Honda work out a deal with my son to pay the excess miles without letting me know about the arrangements as far as I know they never even contact me this is between my son and Honda also they did not contact him either as he waited for there arrangement. He has a new lease with Honda which I believe they should have roll the excess mileages in the price. I should not be involved with any new deals that Honda or my kid did. My credit is in jeopardy please help..
My XXXX/XXXX Visa Credit Card is lost/stolen. The card over limit balance of {$3100.00} is all fraudulent and unauthorized transactions due to my XXXX/XXXX visa credit card being lost/stolen. The balance of {$3100.00} is all fraudulent transactions that dont belong to me. The following credit inquiry is fraudulent and unauthorized : XXXX XXXX/XXXX  XXXX XXXX, XX/XX/2018.
I 've never received any letters or phone calls concerning this supposed debt. This is my former place of employment, and at the time of my resignation, funds were withheld from my paycheck to cover this amount. This was submitted to collections in absolute error. What I did owe at the time was already debited against my final paycheck from XXXX XXXX.
On several occasions I made online debit transaction s where you must pay for your product before it's received. Unfortunately, I am paying for such service s with money being debit Ed to my account and the companies are telling me the product was never paid for. Besides, having someone always standing around watching, I then have to repurchase my product ( making a duplicate transaction ) by entering into my savings. When the bank is contacted all they can do is re submit another card. So far this was a total of an estimate {$250.00}. I am being asked did I figure out what's happening? Or they're telling me they never got the money. Too often there's a shortage on my account.
I deposited a check into my account on XX/XX/2019. The receipt that printed once the deposit was completed stated that {$200.00} of the check would be released on XX/XX/2019 and the remaining total would be available on XX/XX/2019. On XX/XX/2019 I checked my account to find that the {$200.00} that was released on XX/XX/XXXX was removed from my account, and the entire check amount was placed on an extended hold until XX/XX/2019. I called the customer service number at XXXX on XX/XX/XXXX to find out what happened, and was informed that the only person that could release the hold was the branch manager. I called my local branch where I deposited the check and spoke with XXXX XXXX, as she said the branch manager was out for the week. XXXX helped me submit documentation to prove the check was legitimate so they could release my funds - the documents included a picture of a check ( from the same company ) that was deposited and cleared through my XXXX XXXX  Account, and another picture of a check that was deposited and cleared through my XXXX Account. I also provided monthly statements to show that the checks never bounced. XXXX also called the company that cut the check and spoke with the accounting department in order to further prove the legitimacy of the check. On XX/XX/XXXX, I spoke to XXXX and she told me they were waiting on an answer from the fraud department. I called the customer service line again and spoke to XXXX in the claims department, and he told me that the only person that could remove the hold was the branch manager, which was not what XXXX had stated to me, as she said it was now in the hands of the fraud department. At this point, this bank account is overdrawn with 2 overdraft fees and I had bills scheduled out of my other account that posted and caused 3 overdraft fees because I did not have the money to transfer into that account to cover the previously scheduled transactions. As I was originally told the funds would clear on XX/XX/XXXX, I am now a hostage in that the bank is holding my check and not releasing my funds and they will not give me my check back so I can take it to a different bank. They have cost me {$170.00} in overdraft fees, and have made it so I can not buy food, gas, pay rent, or get my car back from the mechanic. On top of that they are giving me the run around and acting like there is no person I can speak to that can actually resolve this issue for me.
Navient is using XXXX as their debt collector. I sent them several letter via certified mail with return receipt requesting debt validation and a hearing. I also called them several time. When I call they deny receiving any mail from me even though I give them the number of the certified mail. I also informed them that I am in bankruptcy to stop all collection. They stated that they do n't have to stop collection because the government is the guarantor. I sent them my suggestion of bankruptcy with the case number via certified mail. Each time I call they deny receiving it. When I give them the case number to make a note in the record, they do n't. So the next time I call they claim again having no record of my dispute letter or any information on my bankruptcy. They are refusing to stop the administrative wage garnishment. I 've attached documents to support my complaint.
XXXX XXXX XXXX, sued me out of state, and I had 2 judgments filed against me. I had to pay 4 times the amount for what I owed them. I did n't even know I was being sued by them until I was it with a judgement.
For the past three days I have been receiving recorded " trace location '' messages from " FMR. '' I have  XXXX  the company and it is associated with a phishing scam based on fake payday loans. I have checked my report at all  XXXX  credit bureaus and there is no collection against me from FMR, and not even any fraudulent payday loan on my record. This company has even called my mother looking for me.The calls started at about the time that my credit union notified me that my debit card would be reissued because of a security breach.
On the night of XX/XX/XXXX while I was vacationing in XXXX I became a victim of Hackers using my business checking account making unauthorized purchases while I was receiving phone calls from TCF Bank representative making me aware of this fraudulent purchases, I attempted numerous times to call them back at the number provided XXXX extension XXXX without any response and it was until the next day when I was able to communicate with a representative who immediately said it will cancel my debit card these Hackers were apparently using, at the time they asked me if I lost my card and I responded that I wasnt sure but that I did not have the card with me but it was in my home in XXXX Colorado. I was vacationing in XXXX from XX/XX/XXXX thru XX/XX/XXXX, so I was told and investigation was been in place and that I should receive a response from someone from my bank, all of the sudden no one ever contacted me and I received my 1st notice dated XX/XX/XXXX stating that based on the microchip technology they believe this transactions were authorized because whoever filed the complaint over the phone stated that I had the debit card in my possession which was wrong so I went back to the bank and reenter another claim on XX/XX/XXXX and then again I was told someone will be in touch with me since no one at the bank would be able to help me, until now no one ever call me in the phone and so then I  received my second notice stating the same exact response from the first notice and I went back to the branch and the representative called some number where he was told to tell me to write a letter as I fully disagree with their decision they were taking for the simple reason that they are not making any investigation because every time I use my debit card with or without a microchip I either have to insert my PIN or sign as credit and because I do not have any details of this fraudulent purchases nor I have received any new debit card they said they will send me, By this means, I do ask the Bank to perform a deep investigation and if they believe I made those transactions to proof to me and to give me full details of every transaction that was made fraudulently and that someone communicates with me or if they believe I made those transaction to proof with my signature or PIN with date and time of every transaction until this case is fully clear, the same happens with other business account I have with XXXX XXXX who immediately filed and investigation and reimbursed all of my money from an unauthorized purchases. Thank you very much for your attention in this matter as I expect to clear this matter by receiving full reimbursement of all the fraudulent transactions in the amount of {$2200.00} should you need any further information please call me direct line XXXX to answer any question you may have, thanks Sincerely ; XXXX XXXX
All of my personal information used on my credit report was stolen from Equifax. Instead of immediately alerting the US citizens it affects ( over half the US adults with credit ) they took 5 weeks to alert anyone and seem to have used that intentional delay to participate in insider trading. 

Even after the breach was made public, I have not received any written notice via mail or email that my identity was compromised. I had to look it up myself after hearing a story on the radio. Because they are only offering a year of identity protection, which is incredibly insufficient to cover the data that was stolen I must now pay them to freeze my credit. Equifax will benefit billions if all affected adults choose their only option right now, to freeze their credit.
Equifax Breach my information last XX/XX/2017. My identity was stole and I have Fraud on my credit report. I check my XXXX XXXX XXXX and found that I have no credit report found ( see attachment ). Equifax refuses and violates the FCRA section 605B by not  blocking my fraudulent accounts. I attached my FTC affidavit and police report but Equifax refuses to accept it and is trying to find an excess to not block these fraudulent accounts. I need the CFPB to set up and put pressure to follow the law. 


Dear Equifax FTC Report Number : XXXX Victim Fraud Assistance Department, I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to Equifax, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to Equifax. Please stop reporting this fraudulent information and delete any fraudulent items as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home. 


Sincerely, cc : Pennsylvania Attorney General Office cc : XXXX XXXX XXXX cc : Consumer Financial Protection Bureau cc : Office of United States Senator XXXX XXXX cc : PA Banking and Securities
I have spoke with  XXXX  a supervisor at northamerica credit today, at   XXXX   XXXX   est. she agreed that the information was not associated with my credit report and still refused to have the inquiry removed. Why does a debt collection company do hard inquiries in the first place? The inquiry took place on   XXXX   XXXX  , 2016
This is a general complain about the lack of security by Equifax in their latest massive data breach impacting almost half of Americans, for which I am a victim of. CFBP and Congress must step up and penalize Equifax for their gross incompetence and negligence for not providing adequate digital security for extremely sensitive databases leading to a lifetime of worry and concern to people who have no choice in being their " customers ''. While offering free, short-term monitoring of credit is a nice gesture, this is a serious problem impacting every consumer with a credit history and identity thiefs may take advantage years down the road as people begin to forget Equifax 's breach occurred. Equifax must be made an example of to send a message to all companies handling consumers ' sensitive data : lax security in the digital age will not be tolerated. Over one hundred million Americans have been impacted by Equifax 's decision to not take adequate security measures, and this can not happen again. Thank you.
We contacted Susquehana about refinancing our HELOC. The broker explained the eligibility requirements and the terms of the loan. One of the key factors was an introductory rate of 2.49 % that would last for 12 months and then the loan would convert to a variable rate of prime minus a .25 % discount for having a Susquehana free checking account with automatic loan payments deducted from that account. The broker explained there was a loan to value ratio ( LTV ) we could not exceed taking into account our primary mortgage. We explained that the purpose of the loan was to pay off the original HELOC which was $ XXXXand to have the ability to use the HELOC for home improvement and potentially a down payment on a second home. The broker told us that we were approved for a {$420000.00} HELOC and we assumed that based on a XXXX appraisal of our home and approximate first mortgage of {$700000.00}, that this number represented an acceptable amount within the acceptable LTV parameters. We were never presented with any alternate loan figures or told that by agreeing to this amount, we would not be within the promised variable rate after the first year of prime minus .25 %. So we accepted the offer and closed on the loan. 
The first year of the HELOC payments were as expected. During the course of the year, we only used under {$300000.00} of the HELOC. However, at the one year mark, the loan payments doubled. When we inquired what the new rate was, we were told that our loan reset to prime plus .25 % ( instead of the expected minus .25 % rate ). When we asked why, we were told that our overall loan amount at closing exceeded the XXXX % LTV and therefore we were not entitled to the prime minus .25 % rate. 
The broker never explained that if the HELOC LTV ratio exceeded a certain percentage that the introductory rate would reset to a higher APR after the first year. And we were never given an option of borrowing less so we would not exceed the LTV. Indeed, we did not use 70 %. 
We immediately contacted Susquehanna and asked if they could lower the loan limit to bring us within the acceptable LTV limit but they could not. And they refused to reset the rate to the original promised rate. 
At this point we feel that they maximized the loan figure for their own benefit. We had no way of knowing this would occur or that we were not within the acceptable LTV ratio until after the first year when the rate changed. By then, it was too late and we are stuck with a higher loan we do n't need and with higher interest payments. In addition, we ca n't refinance because we would be stuck paying additional closing costs.
This is response to complaint XXXX about OCWEN LOAN SERVICING LLC. Their actions in the matter are reprehensible and I 'm pleading with the CFPB to intervene. No one should wait over six months for a determination on modification request. There process was errant and irresponsible. I have been trying to rectify this matter for months. They made a swift determination that they could not help me shortly after my first complaint was filed. My response to the initial Ocwen reply : After initial unemployment modification ended in XXXX XXXX. Ocwen was notified that I was still unemployed. They took close to 8 months to make a determination on the new modification request. A process which they recommended I follow. This is a long time to claim system errors. They repeatedly asked for the same paperwork that we complied with multiple times. Once I became employed in XXXX XXXX, they repeatedly declined my offer to make payments or establish a different payment plan. Also, the sent me documentation stating that I can bring the loan current for approximately {$17000.00}. On the phone, the relationship manager will only accept {$39000.00}. These types of contradictions have been prevalent throughout their period of servicing the loan. Another example -Throughout their period of servicing my loan they have stated three different loan owners ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ). I have personally contacted all of these banks and none claim responsibility as property listed as owners. They recently sent a letter stating that they could not find another modification because the plans they were researching all expired on XXXX XXXX XXXX. If they knew 6 months ago then why was I not informed immediately so we could discuss other options. I could have been making payment since XXXX to reduce the burden and comply with repayment requests. Now, their only recommendations are a short sale or deed in lieu of foreclosure. They purposely and maliciously extended the process to create the current situation. Again, I 've been able to make payments since XXXX, Ocwen repeatedly declined and told me to wait the for modification process to be completed. They knew from practically day one that the modifications they were researching we not available. Subsequently, after I filed my initial complaint with CFPB, my modification request went from " under review '' to " declined '' in a very brief period.