WillisBack/dataset-financial-user-claim huggingface dataset:
This morning I was made aware that my sensitive personal information ( including my Social Security Number, Date of Birth, address, Driver 's License information, and credit card numbers ) may have been obtained by unknown hackers from the credit reporting agency Equifax. 

I immediately checked the website Equifax established for those affected, www.equifaxsecurity2017.com. I was panicked, and wanted to do everything I could to protect myself as quickly as possible. I was concerned when the registration form asked for the last six digits of my SSN rather than the four that are typically required -- especially given the circumstances -- but communication from Equifax and other officials was poor so the whole situation felt urgent and uncertain at the same time. I decided to complete the registration despite my reservations.
Shortly thereafter, I discovered that I may have waived my rights to a class action lawsuit by registering for this website. While Equifax did make the following statement on their website www.equifaxsecurity2017.com claiming that the waiver would not apply to this latest cybersecurity incident, my trust in their intention and ability to handle this situation with integrity is somewhat compromised : " NO WAIVER OF RIGHTS FOR THIS CYBER SECURITY INCIDENT In response to consumer inquiries, we have made it clear that the arbitration clause and class action waiver included in the Equifax and XXXX XXXX terms of use does not apply to this cybersecurity incident. '' As a modern American citizen I have no choice but to participate in the credit system. Even something as simple as getting an apartment demands the exposure of my most sensitive and vulnerable information. Throughout these ordinary experiences, I have implicitly trusted that those responsible for collecting and protecting my information would exercise unfailing vigilance. With hundreds of millions of lives at stake, the enormity of that responsibility can not be understated ; their catastrophic negligence in this matter is equally difficult to articulate. 

Equifax is responsible for the protection of our financial lives at no cost for the rest of our lives. Nothing less. Any legal, financial, personal, or other problems that may arise from their negligence is also their responsibility to bear. They violated a sacred trust that we had no choice but to grant them. They deserve to suffer the fullest extents of civil and criminal justice, and I will not be denied my own justice because of a sneaky waiver in an urgent situation. 

Thank you.
During my monthly review of my credit, I noticed that a medical collection account was added to my credit report from original creditor XXXX XXXX XXXX XXXX. I did make payment toward this account every time I received a billing statement from the hospital, and I attempted 6 times to setup reoccurring payments to no avail. I never received late payment notices, or notice that the account was being placed in collections. This has negatively impacted my credit which I have worked extremely hard to maintain above 700. It is completely wrong that Medical Data Systems Inc,,  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, Phone : XXXX can place a collection account on my Credit Report with no notice.
On XX/XX/XXXX around XXXX XXXX  ( EST ), I called Ford Credit back after one of the numerous messages they left on my personal cell phone. I dialed the extension for XXXX, but my call was answered by someone named XXXX. 
XXXX barely let me speak and was so rude and nasty I don't understand how or why she still has a job. She had the audacity to tell me I may as well cancel my {$60.00} partial payment ( which would have resulted in a {$35.00} stop payment fee to me ), threatened to reposses my car as if it belonged to her personally, and when I asked to be transferred to someone else, she hung up on me. 

I don't appreciate being threatened with repossession at XXXX XXXX XXXX especially not when I suffered a XXXX XXXX in XXXX and am still in recovery. 
I was laid off from my job in XX/XX/XXXX and suffered a XXXX XXXX in XX/XX/XXXX. I have been in recovery for 6 months and unable to work. I was JUST cleared to look for work a few weeks ago and my payment history wasn't bad before these events. 
XXXX doesn't appear to have been trained on how to be professional when speaking to customers ; she spoke to me as if I were less than a person because I'm not yet able to make my missed payments.
CHASE/XXXX XXXX XXXX XXXX failed to notify me about reporting derogatory info.In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/XX/XXXX, furnishing the negative information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ) .Plus broke commercial law under UCC 9.501 that all notices were timely and properly given bydated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, CHASE/XXXX XXXX XXXX XXXX '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) CHASE/XXXX XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve XXXX/BANK ONE CARD SERV is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX 980 S.W.2d693 ( Tex.App-XXXX XXXX XX/XX/XXXX reh.den. ) citing XXXX v. XXXX 936 S.W.2d 654 ( Tex.App-XXXX XX/XX/XXXX writ dism 'd w.o.j. )
In XXXX of this year, 2017, there was a mix up with my bank account at Chase. I found this out because I was involved in a car accident and had the settlement direct deposited into what I thought was my account, which it was not. Long story short, after involving the BBB, the KY Attorney General 's office, and Chase representatives, the problem was settled but not before Chase closed my account. I have found out since then, through Chase, that the account number ( that was on my computer ), was actually my now ex-roommate 's account. Now, at the point in time I was settling my car accident claim, I also went to XXXX XXXX XXXX XXXX to have my taxes done, and requested Direct Deposit. Again, the funds were deposited into the wrong account. Which brings us to today. Even though Chase was, and has been involved in this issue since the mistake was discovered in XXXX, they are, once again, refusing to release the erroneous funds back to the issuing agencies ( IRS, and KY Department of Revenue ). I have already contacted the IRS earlier this year as how to proceed. I was told to wait at least 6 weeks to make sure that I did n't get my refund late, then request the IRS to run a trace on the funds, which they did. The funds were deposited into the same wrong account as before, again a mistake. Then the IRS said they would send a request to Chase telling them to remand the funds back to the IRS. This process can take up to 10 weeks. I have done this to which Chase still refuses to release the funds, and sent me a letter stating that the matter is closed.
I have XXXX inquiries dated XXXX XXXX, 2017 from XXXX XXXX XXXX. I did not authorize this or sign anything to have my credit pulled.
I received a letter in mail. It was a pre-approved confirmation certificate- for a pre-approved loan. 
It was our residential address, but the recipient was a different name. 
I searched this name, and he had XXXX criminal records. Two years ago, we had a collection agent called us about the bill we did not have, and it was the same person 's name.
I thought I was consolidating my student loans to combine them to XXXX and make XXXX payment. But my account was sold to a third party XXXX of XXXX and I have been making payments of XXXX ever since. I was told by the third party that the XXXX} was being applied to my student loan and they would take care of my recertification every year. I received and email from my Loan provider saying they have not recevied a payment for my student in 2 years. I have tried contacting the third party company XXXX Equitable Acceptance Corporation XXXX but I have yet to receive a response. They also report to the credit bureau. I still have a balance of XXXX remaining with them.
My credit monitoring subscription notified me that XXXX had posted collection accounts on my XXXX and XXXX credit bureaus dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 

I have never received notice of this debt from XXXX nor have I been given the opportunity to dispute this debt before they reported it to the credit bureaus. I had to look up the company on the internet to find their contact information. 

I contacted them on XX/XX/XXXX at XXXX and spoke with a XXXX. He informed me that on XX/XX/XXXX, I had taken a loan from a company called Allied Cash Advance in the amount of {$1400.00} and that that sum was deposited into my bank account. He told me the current sum due is now {$1700.00}. I asked for an account number to which they gave me XXXX. 

I have never heard of Allied Cash Advance. Looking at my bank statement from XX/XX/XXXX, there are no deposits from anything unfamiliar nor are any of them for the amount of {$1400.00}. I have searched my bank statements from XX/XX/XXXX through current date and there have not been any deposits to my bank account in the amount of {$1400.00}. 

XXXX is also not registered to collect with the state in which I currently live nor are they registered with the state in which I previously lived.
To sum up..had 2 credit cards, cancelled 1 last month after I paid in full ... they rebilled an additional amount told for interest, even though balance for payoff was requested before paying in full. I paid additional fees and returned card and closed acct. Now since paying off my last credit card with them..I showed a XXXX balance one day..and next day checked said balance due {$10.00}. I called and was told that it was lingering interest on account..I asked how they could charge interest on a XXXX balance, was then told it was an accumulation of interest from past ... I told them that it should have been included as final payment was requested before paying off. Company rep. hung up on me. They say conversations recorded, I hope so. Rep name was XXXX. Supervisor from last card dispute was XXXX. They hate when you pay off card, now questioning all interest during time as customer. I have every statement from start to close. I will forward all documents to authorities as requested.
Experian refuses to remove the fraudulent account off of my credit file due to fraud.My social security number was stolen from me and used to open accounts in my name without my permission.
I received a bankruptcy discharge of the promissory note on my home. The lien remained. At some point, the lien was sold to XXXX, now known as Shellpoint. Shellpoint began sending me collection letters even though my loan had been discharged ( numerous FDCPA violations ). I contacted Shellpoint and asked them if they wanted to negotiate a new promissory note. They said yes and thus began my new nightmare. They sent me through their loss mitigation department. That department would ask me for documents. I sent all the requested documents. Then they would tell me I was missing documents. So I would resend the documents I already sent. Then they would tell me my earlier documents had expired because I took too long to send them documents I had already sent to them. This cycle has happened multiple times. When I submit the documents, I send by email, fax, and mail. I have records all every document sent, the manner sent, and the date sent. A few times they have threatened foreclosure because I " failed '' to send in required documents. I then resend, along with proof that I have previously sent them. Recently I received the same foreclosure threat, and called them. They told me " you are missing some documents ''. So I sent in my documents. Again. Yesterday, I received a notice that my house is up for foreclosure auction TODAY, due to -- failure to send in required documents. I called them to inquire and let them know what was happening. They told me there was nothing they can do because I failed to send in documents. I have records of everything submitted but they will not listen. They continually tell me I owe them money. I do not because of the discharge but I would like to negotiate a new promissory note so I can start paying them and stay in my home. They are not timely processing my documents, continue losing my documents, and continue to demand payment for amounts I do not owe. I 'm trying to do the right thing but their systems are faulty or they are just lying.
I lost my XXXX credit card issued by continental finance. 
The rep assured me that if I made a XXXX payment in XXXX I would receive receive my credit card. I made payment and then I waited 4 weeks and did not receive it .I CALLED BACK XXXX/XXXX/2016 and was told AGAIN that I had to make another payment on XXXX/XXXX/2016 I did and now I AM BEING TOLD THAT I MUST PAY XXXX IN ORDER TO RECEIVE MY CARD. 
Continental Finance has also ignored my request for all information billing information pertaining to my credit card account ending in XXXX. 
I want my credit card and my billing information as I have requested under the Fair Credit Billing Act. Thank You for your assistance in this matter.
My bank account was drafted by a third party loan forgiveness servicer and I was led to believe this was the US Department of Federal Student Loan Forgiveness. However, I received a call from the US Federal Student Loan Forgiveness program they informed me that I have been paying a 3rd party fraudulent loan forgiveness and they have deducted from my account since XX/XX/XXXX and  none of my loans were paid toward the actual loans held by the US Department of Federal Student Loan provider. The fraud providers company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. I  have reached out to my bank to stop future payments to XXXX XXXX XXXX. Now I have to move quickly so I don't get removed from the loan forgiveness program with the US Federal Student Loans. I am not sure if the will return my money but i have lost {$49.00} a month since XX/XX/XXXX or XX/XX/XXXX. Please stop these companies from taking advantage of hard-working people trying to pay off their student loan debt. I am grateful for my education and i work at a XXXX here in XXXX. Please help - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Finally, after several years of hard work we are finally able to refinance several of our loans. XXXX was a condo, XXXX was a XXXX Plex and now the third is a rental property. There is a first mortgage owned by XXXX XXXX {$45000.00} in which I want to add {$22000.00} to make it a {$72000.00} loan. The HELOC owned by Bank of America at {$97000.00} is the problem because they will not allow subordination. The reason is I just spent {$22000.00} ( I have receipts ) on new siding, new roof, new gutters, new deck as it was original from XX/XX/XXXX and XX/XX/XXXX. In other words, it was a needed repair and it also helped increase the value when I received my appraisal. The lender I used saw no problem with getting my savings returned as she has been in the business for 15 years and has not been turned down. I even called several banks and Bank of America verifying this and they said I would be able to qualify for a loan. There are several reasons Bank of America should approve our loan : This loan was purchased as a rental and the HELOC was secured as a rental. It has been owned for 10 plus years. It has a low loan to value ( Equity {$100000.00} ) Never in 30 years have we been late on a mortgage payment. {$22000.00} was spent on property which helped increase the value and it 's located in XXXX. We have been a solid Bank of America customer for 30 years. Good credit score XXXX. No credit card debt or car payments. Recently refinanced a condo and XXXX plex. I 've been approved for this property to refinance and we are in a time sensitive lock and Bank of America has given us every excuse ; verbally told to me, 'its a rental ' 'and 'they do not do subordinations on rental properties '. I find this hard to believe. The fact that they have a Subordination Department means that they can do this and we have plenty of equity for Bank of America to approve our subordination. Not only that, we have been their customer for years.
I am writing concerning my Navient student loan which has since been transferred to a new loan servicer. On several occasions I attempted to work wit h Na  vient in an attempt to process a forbearance. In each instance the process was delayed. In the end the forbearance was granted but each time my credit was adversely affected. I am writing in hopes that you can assist in having the negative reporting removed. I have attempted this in the past directly with Navient, b ut with no positive results.
There are quite a few hard inquiries that I didnt request/submit, here are the names of the companies for the inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX-XXXX XX/XX/XXXX XXXX XX/XX/XXXX Syncb- XXXX XX/XX/XXXX Syncb- Walmart XX/XX/XXXX
Debt Collector contacted my office and told the person answering the phone that I need to pay my debt.
My complaint is about a dispute improperly handled by the credit card company. 

My credit card ( XXXX card ) was originally issued through XXXX. In XXXX 2015 I disputed a charge of {$100.00} for a XXXX night stay at XXXX XXXX TX, because the services provided were not as advertised or as expected. ( Very briefly : We did not get an accessible room as requested, and my XXXX husband XXXX. There were various other problems as well, none of which were corrected. ) I provided plenty of evidence supporting my claim. The bank issued a conditional credit while investigating. After about XXXX weeks I received a letter from the bank stating the charge was placed back on my account because I stayed in the hotel, i.e. received the service. 

I disagree with this decision because : -I never denied that I stayed in the hotel. My reason for dispute has consistently been that the services were substandard, not as advertised or expected, and the management made no effort to correct the problems despite repeated requests. 
-The bank was fully aware that I stayed at the hotel when they first placed the charge in dispute. If there 's no recourse they would not have initiated the dispute in the first place. 
-XXXX offers protection to customers for services that are substandard or unsatisfactory, as do other credit cards. " Services rendered were not as expected or advertised '' is XXXX of the specific reasons provided by credit cards for disputing a transaction. I provided ample evidence to support my dispute under this option. 

When I called to appeal their decision, I was told that the credit card has been transferred to a new bank, and I should contact them. I contacted the new bank, First National Bank of Omaha, and submitted my rebuttal to them. The representative said she would talk to a supervisor and see what she could do, but so far I have heard nothing and the charge remains on my account. My email to her attached. 

I then emailed XXXX XXXX XXXX, Executive Vice President of Consumer Banking in First National Bank of Omaha. Again heard nothing. My email to him attached, with supporting documentation about the dispute. 

It appears that neither credit card company protected my consumer rights provided through XXXX or Fair Credit Billing Act. I am requesting your help to get this dispute processed correctly and issue the refund. Thank you.
The debt was paid and the company told me that they would remove from my credit report and they lied to me I am very disappointed the way that company lied to me in order to get their money very deceiving company
XX/XX/XXXX XXXX XXXX, XXXX XXXX Re : case # XXXX Dispute 30 day Late payment due to banking error Account # XXXX Capital One Billing Inquiries XXXX, XXXX XXXX Dear Sir or Madam : I am writing to dispute a late payment billing error in the amount of {$120.00} on my Capital One account # XXXX. The amount is inaccurate because 1. I made my monthly payment of {$120.00} on XX/XX/XXXX via website to my credit card company ( Capital One ) 2. I had available funds of {$470.00} on XX/XX/XXXX in my bank account with ( XXXX XXXX XXXX account # XXXX ) to cover the payment with Capital One 3. My bank account ( XXXX XXXX XXXX XXXX ) processed the payment on XX/XX/XXXX which I still had available funds of $ {$430.00}, but my bank returned the payment in error. 
4. As a result I am now showing a 30 day late payment of {$120.00} with Capital One on my credit report ( XXXX XXXX/ XXXX ) due to the bank error with XXXX XXXX XXXX . 
5. I have disputed this bank error to my Credit Card Company ( Capital One ) and the 30 day late still remains on my credit report resulting in negative credit reporting. 
I am requesting that the 30 day late payment error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement and accurate credit reporting with ( XXXX XXXX/ XXXX ). 
Enclosed are copies of Capital one payment conformation/ statements, and my bank XXXX XXXX XXXX XXXX history supporting my position. Please investigate this matter and correct the billing error as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Capital One statement Capital One payment conformation Capital One dispute letter XXXX XXXX XXXX transaction history Dispute letter with XXXX Dispute letter with XXXX Dispute letter with XXXX
recklessly putting soft inquiries i opted out of seeing it an all 3 major credit agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX declined me,XXXX fcra, same job 5 years dti lesa THAN 11 % WHAT DO I HAVE TO HAVE 800? THESES COMPANT USING UNFARILY LENDING PRACTICES B/C I HAD MY id THEFT STOLEN.. i VERIFY IN PERSON IT Was me and answered all there question..
I fell behind on my mortgage payment this year. My mortage co. was holding XXXX $ in a suspense account I sent them about XXXX $ XX/XX/XXXX cashiers check because they kept returning my payments I would send them a check as the arrangement that was made between the account mgr and myself. He accepted the arrangements. then the arrangements were not good enough. I was to send XXXX $ every 2 weeks. They would take almost 2weeks to cash my checks then charge me more fees. My XXXX is no where to be found and I have been sending my payments via certified mail to ensure they get them My accont is way behind with all their fees they keep changing where my missing $ is and they keep threatingto forclose on my house. they wont fix my account or tell me where my missing $ is I got a payment report from them it says the money was returned to me I never got it and they cant tell me the check # or when it was cashed and it has not been applied to my account.Ever since this company got my loan they have done nothing but mess up my account from the 2nd month they had it