WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax mishandled my information, leading to a breach which puts myself and millions of others at potential risk. I am especially 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 the news. 

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 consumers to deal with. Considering the generally misunderstood nature of credit reporting among the general public, Equifax should have immediately contacted everyone affected and provided the public with a list of concrete steps to take. I should not have to figure out how to safeguard my information by myself when a company 's lack of security was what caused it to be compromised. 

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.
I received a call from CITI bank telling me their fraud early warning system detected suspicious activity on my credit. The left the toll free number XXXX and gave me a reference number, XXXX. I called and was told the reference number involved recent purchases on my card. I told her I had no credit cards with CITI. She said one had been applied for this month. I said I had not applied for any card. 
She proceeded to ask for my social security number, date of birth and full name. I am very uncomfortable about that now wish I had not. But I also do not want my credit affected because I did not comply and the account remained open and charges are falsely reported to affect my credit rating. 
She insisted she had closed the credit card account, that a letter would follow, and a report would be made to credit reporting agencies. 
I assume this was all legitimate, hopefully, but I am irritated at the approach CITI Bank uses. They really do not need confirmation of my social security number and birth date to help them close this account. At a minimum, they could read off my social security number and birth date and ask for confirmation. At least under that approach, I would know they already have that information, whoever they are.
Issue : I 'm about to be sued for a non-existent loan. 
Details : In college, I had all government-sponsored student loans including XXXX. I did not have any private ( non-government-sponsored ) student loans. After completing my studies in XXXX I consolidated with XXXX ( now Navient ) in XXXX, but because I could not make my monthly payments, in XXXX all of my student loan debt was mandatorily consolidated by XXXX XXXX, which has been my servicer of all my student loan debt ever since. 
Despite my XXXX consolidation with XXXX, I have been contacted by Navient, which claims that I owe Navient a XXXX student loan debt of approximately {$4700.00} and say that I am late in making monthly payments to Navient ( which I have never made ). I exchanged several messages, and spoke at length by phone, with a Navient agent, but Navient can not explain what this alleged federal " student loan '' debt is from -- and can not explain why ( if it was actually a legitimate student loan ) it was not included in the XXXX XXXX consolidation that took all of my student loan debt from XXXX and brought it to XXXX XXXX. 
Now, Navient has sent me a letter saying that they have reported my late status to the credit bureaus and is beginning the process of suing me in court to obtain a judgement against me for the alleged student loan debt. So, despite my countless efforts to get an answer from Navient explaining what this alleged debt is from, and ( if hypothetically it was legitimate ), why it was not consolidated along with the rest of my student loan debt with XXXX in XXXX, now I am forced to bring this matter to your attention and to beg your assistance in 1 ) stopping Navient from pursuing me for a debt that appears to be a mistake of some kind, and 2 ) stopping Navient from ruining my status with the credit bureaus, 3 ) stopping Navient from suing me in court. 

I await your help, XXXX XXXX ( ps : Navient has given me an account number : XXXX )
I have an ongoing problem with paypal where they keep taking money out from the wrong funding source. This happened multiple times over the past 6 months. I will set my default payment method to my credit card, my backup as a credit card. Then they will charge my checking account. This time I took screenshots. 
These charges are from an ebay shipping agreement. I sold several items on XXXX, they sent XXXX $ each to my paypal account. I purchased shipping labels from them, in order to do this I had to agree to a billing agreement. The billing agreement said it would come from my default funding source, which I made sure was my credit card. 
This happened several times and my checking account was overdrafted. I called them to see what happened and they confirmed that this issue was affecting muItiple people. I asked them to cover my NSF fees and they agreed to a XXXX $ credit. Its been a week and they havent sent anything
Debt collector against whom this complaint is being file : Commonwealth Financial Systems Inc XXXX XXXX   XXXX XXXX, PA. XXXX XXXX XXXX Unwarranted negative reporting to debt collection agency : XX/XX/2018 XXXX Complainant : XXXX XXXX XXXX ( maiden name : XXXX ) SS : XXXX DOB XXXX XXXX XXXX XXXX XXXX XXXX, MD. XXXX Tel : XXXX Cell : XXXX Paid under duress : {$540.00} Alleged account number : XXXX Date of debt : unknown Hello, Please help me. My credit monitoring company informed me that Commonwealth Financial Systems had reported a negative account of an alleged debt that was in collection. 
I immediately called and they said it was a medical bill ( which sounded possible, but not sure what it was ). I never received notice of any kind from the collector. The company prematurely put this negative item on my report. 

According to commonwealth Financials representative, in order to delete this item from my report, I needed to pay the account in full. My credit report was in essence held XXXX to the companys will. I paid the bill under duress without notice, demand, verification or communication. 

Please discipline this company and have my money returned.
Hi! 

I opened a credit card called " The XXXX Preferred Guest Credit Card from American Express '' on early XXXX. The promotional bonus for this card is " spending {$5000.00} and get XXXX XXXX points ''. After spending more than {$5000.00} for more than half a year, I still have n't received my XXXX bonus points.
I was listed as an Authorized user on a my mothers Wells Fargo Credit card. I have asked several time to me removed form this account with no help from Wells Fargo and them also telling me it was to bad your on and can't be removed. My Mother has since claimed Bankruptcy and that card was filed in it and has been closed. I have ask since then also to have the information removed with not help what so ever.
Please realize that this is NOT a duplicate request. My loan servicing agent is NOT adhering to my HAMP modification. 

In XXXX, entered into a HAMP modification with XXXX Mortgage. Part of the modification includes a Borrower Incentive of {$1000.00} to be credited towards my principal balance annually as long as the mortgage never becomes 90-days delinquent. ( My mortgage payments have never been marked as later since entering into the modification. ) My loan servicing agent has changed from XXXX Mortgage to XXXX and finally to Fay Servicing. This borrower incentive has always been credited to my account on XXXX XXXX in XXXX, XXXX and XXXX when with XXXX and XXXX XXXX. My loan was transferred to Fay Servicing in early XXXX and I have not received that borrower incentive as of yet. I was originally told that it was due to an issue with the transfer to Fay Servicing and the Fed but that it had been corrected in early XXXX. They have credited my account {$830.00}, not the contractually required {$1000.00}. I have tried to communicate with my account manager XXXX XXXX at Fay Servicing in writing via email but have not received any communication back. 

I am requesting assistance in getting the remainder of the contractually obligated borrower incentive credited to my account and backdated to XXXX/XXXX/XXXX so that I am not accruing interest on that principal. 

Today, we are 149 days past the date this credit was due. As a homeowner, if I was & gt ; 120 days late, Fay Servicing may have already started foreclosure proceedings. 

Please help.
According to your letter, it states that Carmax didn't receive my payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX, until XX/XX/XXXX. How could you have missed those three payment that are clearly shown directly in the middle of the page that reads XX/XX/XXXX payment {$310.00}, XX/XX/XXXXpayment {$310.00}. And XX/XX/XXXX payment {$310.00}. How can Carmax reverse payments they so-called never recieved? Obviously XXXX XXXX XXXX has fraudulent record keeping. Furthermore I sent all three payments again in a lump sum of {$1300.00}, that was three payments and the sum of {$470.00} for the tow fee by the repossession company. I also believe Carmax is trying to fraudulently add late fees to my account, my payments are due on th XXXX of the month and I always pay on the XXXX and yet Carmax still applies late fees for ON TIME PAYMENTS. I will be seeking {$5000.00} for each occurrence in a court venue to me with factual proof that my complaint does have merit, and I'm owed {$20000.00} in restitution.
Hello, I recently was a victim of a chargeback fraud and have received little help from Paypal so far. I have asked multiple times for managers to review my case with no success. I only receive generic responses that are continuously copy and pasted back. I would like someone to review the case. 

I was sent money through friends and family option on Paypal on XX/XX/2018. There were initially 12 transactions total. There were never any goods or services provided. The other person initiated cases within Paypal stating the initial 12 cases were unauthorized. I provided evidence that they were indeed authorized and they meant to send the money with screenshots matching up with the transactions. Paypal ruled in my favor in all of the cases. Roughly 2 weeks later the user repoened the cases again, but with their bank and again stated they were unauthorized. Their bank ultimately came back and ruled in their favor without asking for evidence from myself or even contacting me. 

There were 7 total transactions that were funded with their bank and were allowed to use chargeback on within Paypal. There was evidence submitted to Paypal when they initially ended the cases in my favor showing proof the other person sent the odd and often similar amounts on purpose. They were not accidental. 

Paypal charged my account {$20.00} per chargeback ( 7 total for {$140.00} combined ) and also charged me when the second set of cases were opened a sales fee which they charge for goods transactions. I have repeatedly asked for answers from their support team with no success. They only charge a fee for goods sold transactions which we did not use. These were simply a transfer of money through their friends and family option. 


So in a quick review, I was sent money through Paypal friends and family option with no fees included since there were no goods or services provided. Paypal ended all cases in my favor after receiving the evidence I provided. The other person reopened the cases with their bank and Paypal charged me {$20.00} per chargeback and also added a transaction fee of their own as if goods or services were provided in the transaction. I was the victim of chargeback fraud and even though Paypal sided in my favor on all of the 12 initial cases, they charged me with fees totaling over {$140.00}, took away all the money from those transactions and also will not allow me to take out money from legitimate sales on XXXX where I paid my seller fees accordingly. They are allowing fraud to happen on their site and then charging the people taken advantage of the fees involved. 

Thank you for your time and help, XXXX
MY CREDIT SCORE IS VERY LOW, DESPITE THE NUMBER OF ACCOUNTS I PAY ON EVERY MONTH. THESE ACCOUNTS ARE THE EQUIVALENT TO IN-HOUSE CREDIT. IN THE LAST YEAR, I HAVE PAID SIGNIFICANT AMOUNTS TOWARDS MEDICAL BILLS, I PAY RENT EVERY MONTH JUST LIKE PEOPLE WHO HAVE A MORTGAGE. AND IT'S NOT POSITIVELY AFFECTING MY ABILITY TO GET LOANS OR INCREASING MY SCORE.

TO EXPLAIN FURTHER, I USUALLY ONLY REQUEST MY EXPERIAN CREDIT REPORT, BECAUSE I CAN GET ACCESS TO THAT ONE FAIRLY EASILY. THE ISSUE IS THAT EXPERIAN AND XXXX ARE USING AN OLD MODEL ( FICO ) AND NOT NEWER SCORING MODEL. ONE I HAVE READ ABOUT IS XXXX SCORE. WITH THEM USING THAT SCORING SYSTEM AND ME  NOT HAVING ACTUAL " CREDIT CARDS '' I WILL NEVER BE ABLE TO GET ANY TYPE OF CREDIT ACCOUNT THAT WOULD BE CONSIDERED TRADITIONAL. I GOT MORE CREDIT CARDS WHEN I WAS IN COLLEGE AND I'M SURE MY CREDIT SCORE WAS IN THE 400-500 RANGE! MUCH LOWER THAN IT IS NOW. I HAVE APPLIED FOR SOME CREDIT CARDS THAT ARE RECOMMENDED FOR PEOPLE IN A CERTAIN SCORE RANGE, BUT THEY ALWAYS GET DENIED. I DON'T THINK MY CREDIT SCORE IS NOT BEING EVALUATED OR MEASURED THOROUGHLY.
On XX/XX/2016, I attempted to pay my credit card bill online. The Closing date on the account was XX/XX/2016. Online, I was told that there were " technical difficulties '' and I could try later. XX/XX/XXXX and XX/XX/XXXX are XXXX holidays so I can not " try later ''. I talked to Customer Service via " Chat '' who repeated that there were " technical difficulties '' and I should try later. I repeatedly asked if there was another way I could pay and did not receive a response to my question. I telephoned and the voice mail system was likewise malfunctioning. I should not have to pay late fees and interest if the Bank makes it impossible for me to pay my bill
I have not been able to make my payments on several occasions. I was not made aware that there were other options other than forbearance. I continued to make monthly payments, but after the forbearance ended, my payments were not enough and they turned me in to credit agencies for not making payments ( even though I made auto payments monthly ). I was not aware of this for several months. I had excellent credit, but now my credit has gone from XXXX to XXXX because they listed me as non payment on XXXX loans for several months. I am still not in a payment plan based on income b/c I just read about them.
I am filing this complaint because XXXX XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the account that I disputed. I have requested for the original contract papers with my signature to prove this debt is valid. It has been well over two weeks and I have yet to get a response
The is an employer placed on my report on XX/XX/2017 which i do not work for
us bank dont get it. im doing a debt settlement with an XXXX XXXX rated company and they are XXXX acredited. they say they have no contact with this company so im going to give it to them. ill get to that in the last step.
I represent the homeowners in pending foreclosure litigation. On XXXX XXXX, 2015 I received a short sale denial letter from Carrington Mortgage Services , LLC, dated XXXX XXXX, 2015, stating the reason for denial was " Eligibility Requirements for Short Sale Are Not Met. '' Any appeal was due XXXX XXXX, 2015, two days prior to my receipt of the denial. On XXXX XXXX, 2015, I received a deed in lieu denial letter from Carrington dated XXXX XXXX, 2015, stating the reason for denial was " Eligibility Requirement for Deed in Lieu Are Not Met. '' Any appeal was due XXXX XXXX, 2015, two days prior to my receipt of the denial. 
The reason given for denial for both short sale and deed in lieu is wholly inadequate in that it lacks any detail and does not provide any basis for correcting any inadequacy or challenging the denial. 
The time given to appeal is wholly inadequate in that I received the denial letters two days after the appeal deadline. 
On XXXX XXXX, 2015, I wrote to Carrington 's attorney stating the above and to date I have received no response -- including no reason for the denial and obviously no way to remedy any legitimate deficiency in my clients ' application.
I was attempting to pay online my normal mortgage payment and the mortgage company Ditech Financial LLC which was formerly Greentree XXXX/XXXX/16. It would not accept my online payment. They have forced place insurance onto my account and will not even accept the normal payment I make monthly to meet their deadline for no late charge. I called on XXXX/XXXX/16 XXXX, to speak to a representative and asked to pay the normal amount and their answer was no and they said they spoke to a supervisor, who was unwilling to talk to me. They want me to pay the higher mortgage amount that includes the forced insurance payments. Then they will issue a refund at a later date. I have home insurance already and it can be cleared up by my insurance broker. I can not make the higher payment and when I am able to make the payment it will be late and they said they can not even go back to show that I am not late once everything is cleared up. 
I do n't understand why they can not accept the normal payment, even if a balance is still showing of the difference for the forced place insurance, they are still getting the money towards my mortgage if everything can be cleared with the fax of proof of my insurance.
My Wife and I filed chapter XXXX bankruptcy on XX/XX/XXXX. We included our property XXXX XXXX XXXX XXXX XXXX XXXX , Nv XXXX in the chapter XXXX. The bankruptcy discharged on XX/XX/XXXX Approximately XX/XX/XXXX I finalized surrendering the property to XXXX  XXXX XXXX, because they wouldn't take it out of my name. I requested my credit reports on XX/XX/XXXX. I found that XXXX XXXX XXXX and Caliber homes loans were both reporting adverse and derogatory late payments to all 3 of my Credit reporting agencies. 2 Died in Lieu 's for the same loan. I disputed the both to lines of negative lines to all 3 Credit Agencies on XX/XX/XXXX & XX/XX/XXXX via phone, electronic & written mail with supporting document. They will not remove either line off my credit report. I can send the full bankruptcy filing upon request ( 72 pgs ). Pertinent docs include on attachment 1.
Last year ( 2016 ) I received a call from XXXX XXXX XXXX XXXX Department saying that I owed money on my XXXX store card and that they were calling to ask me to pay it before they would have to send it to collections. I did n't have the full amount at the time and set up a payment plan with XXXX. The debt was completely paid off XX/XX/XXXX of last year after 6 payments had been made. 

A few weeks ago, I answered a call from a number I did n't recognize and it was Portfolio Recovery Associates saying that they were trying to collect my XXXX store card debt. Obviously, that debt does n't exist, so I should n't have received this call. 
I called XXXX and tried to explain that my debt had already been paid. I kept getting transferred to outsourced call centers that did n't understand what I was saying, and they just kept telling me I owed a debt and asked if I wanted to make a payment. 

Finally, someone at XXXX told me how to file a dispute with XXXX. I sent in my dispute letter along with my attached check stubs proving that the debt had been paid. 

Since I sent the dispute I have n't heard anything, and have continued to get upwards of 5 debt collection calls a day. I have tried calling XXXX, but they keep telling me that there 's no way for me to contact the dispute team and that they do n't have a phone number, which I find extremely suspicious if not outright illegal. I have asked for updates on my dispute with no answers, and again the representatives keep telling me that I owe a debt. 

This has ruined my credit score, and in my original dispute to them I said it needed to be reversed within a week considering I had paid the debt and there was n't anything to really dispute or investigate. I have broken down crying several times because I will be on hold for 40 minutes with XXXX and then still just transferred to their debt outsourced call center and not told anything. I need proof from XXXX that they are going to reverse the damages they 've made to my credit score. I should n't even have to be doing this, and selling a paid debt to a collection agency is illegal ( I 'm pretty sure ) and it 's illegal for that debt collection agency to be harassing me when I have paid the debt! 

Please please please resolve this as soon as possible. I do n't want people to go what I 'm going through. I am now paying a much higher than normal security deposit on a new apartment because of this mess, and it is actively hurting me emotionally and financially.
Despite repeated occasions of telling Portfolio Recovery Systems that they are calling the wrong party, they continue calling me at home, at work, and on my cell phone. In the beginning, while trying to reason with them, they told me that the debt was from XXXX XXXX. I have NEVER done business with XXXX XXXX. My credit rating is in the XXXX on all credit reporting services, and yet they continue to harass.