WillisBack/dataset-financial-user-claim huggingface dataset:
I WAS AFFECTED IN WITH THE EQUIFAX BREACH. MY INFORMATION WAS COMPROMISED. MY NAME, HOME ADDRESS, DOB, SSN, EMAIL ADDRESS, PHONE NUMBER, CREDIT CARD AND DEBIT CARD INFORMATION, ALSO MY IRS ONLINE ACCOUNT WAS ATTEMPTED TO BE ACCESSED ON XX/XX/XXXX, ACCOUNT WAS LOCKED DUE TO UNSUCCESSFUL ATTEMPTS ( 3 ). I HAVE HAD TO CLOSE DEBIT/CREDIT CARDS DUE TO UNAUTHORIZED CHARGES. I MAILED EQUIFAX A LETTER WITH FTC REPORT ETC 42 DAYS AGO AND JUST LAST WEEK ON XX/XX/XXXX I RECEIVED A LETTER FROM EQUIFAX ADVISING THAT I WAS COMPROMISED AND MY CREDIT CARDS WERE ACCESSED ETC. I FEEL IF I DID NOT SEND THAT LETTER THEY WOULD HAVE TAKEN THEIR TIME TO SEND ME THE LETTER ADVISING OF MY INFORMATION BEING COMPROMISED.
MY MORTGAGE KEEPS GIVING ME THE RUN AROUND ABOUT REMOVING MY ESCROW ACCOUNT. THEY KEEP LYING AND GIVING ME DIFFERENT REASONS. I HAVE SEND MULTIPLE LETTERS, CALLS AND I KEEP GETTING NO HONEST ANSWER. I HAVE ALSO CONNECTED WITH XXXX XXXX AND XXXX XXXX HAS SAID I DO QUALIFY TO GET MY ESCROW ACCOUNT REMOVED. I HAVE ATTACHED THE LAST LETTER I SENT THEM. I GREATLY APPRECIATE YOUR HELP.
I Had a dispute with XXXX that was supposed to have been corrected on my Experian report. When i received my report from Experian, the report is all wrong. A lot of items in the report are not mine, they belong to my DECEASED father. My deceased father and I have the same name, however the reporting is supposed to be reported by social security number. I AM UNABLE TO CONTACT EXPERIAN. Nobody answers the phone, it goes straight to a computer prompt and will not let me connect with a live person. I CAN NOT DISPUTE ONLINE, EXPERIAN SYSTEM WONT LET ME. IT KEEPS STATING INCORRECT INFORMATION. The lack of their correct reporting is costing me and has the potential to cost me a lot of money. This is unfair. I, and other people, should be able to contact this company as it directly affects a persons life. If they have the ability to directly affect ones quality of life, they should be required to have live staff answer the telephone to take care of problems with dispute filing. 
Experian also has XXXX Estate ' listed on this report. The Estate of my deceased father has nothing to do with MY report. Experian also has numerous addresses that have nothing to do with me. They have my Mothers new address and also list the address of my deceased fathers deceased girlfriend. None of this has anything tot do with me or my report, but can and is negatively affecting me. I NEED TO GET THIS FIXED A.SA.P as I am looking into the purchase of a new home and this is hurting my score and has the potential to cost me XXXX of dollars and/or generate denials from lenders. 
I have had many problems with this company and I am sure I am not alone. Somebody needs to look into Experian and their deceptive business practices.
We are filing a complaint again st Wells Fargo ( WF ) and agent for WF,  Substitute   XXXX   XXXX   XXXX   XXXX   XXXX    (   XXXX   ),  is attempting to execute an illegal foreclosure on my primary residence.  XXXX , failed at the hearing before the clerk, to prove the followi ng four eleme nts : The existence of a valid debt ; A default ; A right to foreclosure under the instrument ; and A notice of the hearing has not been given to those who are entitled to receive notice. WF and  XXXX , failed to respond to a certified mail qualified written request, dated  XXXX   XXXX ,  XXXX , which will confirm that the debt was not validated. Validation is necessary whether it be judicial or non-judicial foreclosure. I was able to acquire a copy of my Deed of Trust none the less and there is no power of sale clauses within.   Please also note that  XXXX , has failed to provide proper notice of sale as follows : The notice of sal e must be published once a week for at least two successive weeks in a newspaper in the county in which the property is situated, with the last publication being not more than ten da ys before the sale.   When we applied for a loan modification in  XXXX  of  XXXX , I was denied due to not enough income in  XXXX . I was able to reapply with an increase in income due to my daughter offering contribution of approximately {$700.00}, and my loan was denied in  XXXX  of  XXXX , WF, stating that the payments are already affordable and that now I make enough money to afford regular payments. This entire process is the perfect definition for oxymoron. Furthermore, I have found additional income that can be prov ided and WF, refu ses to review my loan for assistance. In fact they have denied me the ability to file an appeal regarding my  XXXX  loan modification denial, stating that Im only allowed  ( 1 ) appeal per loan modification review. In fact Ive been told this by multiple agents of WF , on  XXXX   XXXX ,  XXXX , agent  XXXX   XXXX  and again on  XXXX   XXXX ,  XXXX , agent  XXXX   XXXX .   These types of abusive action and the part  of WF,  has forced my home into inevitable foreclosure on  XXXX   XXXX ,  XXXX . The actions are also violations Under  Rule 702 of the   North Carolina mortgage lending rules.   It is also a fact that my loan was originated with  XXXX   XXXX , with a 7.95 % interest rate, and later allegedly sold to WF. There are no recorded documents with the  XXXX   XXXX  land records that would indicate this process was completed properly, which  may be  the reason why WF, failed to respond to my qualified written request dated  XXXX   XXXX ,  XXXX . This request specifically demanded proof of assignments, sales affidavit and or bailee letter attached to the Note.     I have lived in my home for almost 20 years and, I will file a civil lawsui t against WF an d  XXXX . I demand that the sale date be halted and that I be considered for modification review. My loan rate is still almost an 8 %, and my loan has not been modified under the terms of the national mortgage settlement of  XXXX , which involv ed WF.
Bank Of America Worker r obed me  XXXX  Dollars because  Bank Of America   XXXX   XXXX  ATM Cards  XXXX  and Address not mine I have not been able  XXXX  open new Bank account after  Bank of America   XXXX  me
I had 2 modifications with Ocwen Loan Servicing. I 've requested a print-out from Ocwen from XX/XX/XXXX that shows all monthly payments have been made. The newest re-modification that began on XX/XX/XXXX also shows all payments made. During this modification I called many times about a discrepancy showing on their website stating I had missed a month. After calling every month they kept telling me their system has n't updated. I told them I was concerned about how this going to reflect on my credit report and they stated that after everything updated, they would clear it with the credit bureaus. Not only did they not take this negative reporting off my credit report, they charged me 9 Property Inspection fees at {$13.00} each. I did n't even know I was being charged these fees until I requested an itemized print-out. When I asked a representative what these fees were for, they said when there 's a late payment and I 'm defaulting an inspector goes by my house. I told them again that I 've never defaulted on any payments and I can show bank statements if necessary of all payments made. My concern is that the reported information that was not factual and will unfairly negatively impact me for a long time. They continued to report for months after the modification was started and established that I was late. When I asked why they took so long for their system to update my record they stated " they have no set time frame for internal processing ''. I 'm a single mother XXXX XXXX and have had no financial help from my ex-husband for 5 years. I do n't have a lot of income at my current job and I have 9 deductions every week including XXXX for health care. I requested explanations from Ocwen and asked them to reverse the reporting on the credit bureaus because it shows payments made in full every month. After talking with several people I learnt that there was support and protection for consumers and I 'm hoping that there 's some resolve. Sincerely, XXXX XXXX
In XX/XX/XXXX I opened a retail line of credit at XXXX XXXX through HSBC Bank. In XX/XX/XXXX, as a result of obtaining a no-docs predatory loan which, and after being downsized at work, I could no longer afford and could not refinance due to the housing " bubble burst '', I was unable to fulfill my previous financial obligations to HSBC Bank, among others. I voluntarily had my home and car repossessed. In XX/XX/XXXX I moved XXXX for a new job. At no point after XX/XX/XXXX did I have any activity on any of my accounts, which was XXXX years ago last month, yet the derogatory report remains on both my XXXX and XXXX credit reports, longer than the XXXX years allowed by law. This account is too old to be listed and needs to be aged off. I have contacted the credit reporting agencies and they say HSBC has confirmed the debt is still valid and " meets FCRA requirements. '' This is incorrect. HSBC is in violation of The U.S. Fair Credit Reporting Act on this matter in regards to the age of this debt. There exists no evidence of activity on this account after XX/XX/XXXX. If HSBC can not provide this evidence, and I know they can not, they need to correct this with the credit reporting agencies immediately. 

Please note that this account has already been found to not meet FCRA requirements by XXXX credit reporting agency. The collection agency which HSBC sold this debt to, XXXX XXXX, has also been found to not meet FCRA requirements by all XXXX credit reporting agencies.
Please Help!! Have a Buyer for my home, doing a short sale with Rushmore Loan Management Services, who in turn, has us negotiating with there foreclosure law firm XXXX, XXXX XXXX XXXX, PC only to find out we have the short sale denied, we have countered with a higher offer but have been shut out with no further communication from there attorney. We have attempted to reach out to Rushmore Directly only to find out that they will not talk with us because we are in litigation, and will only talk to us if we withdraw attorney representation which would leave us unprotected. At this point I can not afford any additional attorney representation and my options are dwindling. I still have my buyer who wants the home who is willing to go higher in price.I believe that the reason there foreclosure attorney will no longer negotiate with my attorney is because they will obtain a higher fees if they foreclosure on the home. I have contractor estimates and photos to show Rushmore but they will not look at it, just by way of background this was with XXXX and then transfered to Setarus, and on the verge of an approval and was transfered over to Rushmore. I have even attempted to reach out to XXXX XXXX, Rushmore 's Ceo '' s office but would not be put thru.
I purchased my SUV approximately 2 1/2 years and due to cost of living, due to my relocating it has caused my travel commute to double/triple. The gas of course has increased. XX/XX/2016. I contacted Santander USA/consume to let them know I am voluntarily surrenders my vehicle numerous of times and it is now XX/XX/XXXX, and I still have the SUV. Right have still been receiving calls about payment and recently got a call from an account manager that was absolutely rude. At this point I am going to park the vehicle somewhere and tell them where to pick it up. My main reason for this, is rather than me keeping the vehicle and continue to struggle paying payments, I thought it would be best to return it to the bank. I have ever not driven the SUV since XX/XX/XXXX and they continue to harass me for payments and wo n't accept that I am no longer in the position to carry the payments. I told them to call me and arrange date and time -- -it 's now almost 5 months.
I worked for a foreclosure firm. After the hurricane all of the files at work was put on hold due to the hurricane so that mean i was put on a part-time basis and unable to pay my mortgage. I have a XXXX XXXX, XXXX XXXX they can differed your payment up to 12 months. So i contacted my mortgage company Primary Residential Mortgage they say since i was in the disaster area i can apply a forbearance worksheet and that would allow me to make a lesser payments until i get all the repairs fixed and return back work. The forbearance plan was expire on XX/XX/XXXX. I get Demand letter today XX/XX/XXXX from the mortgage company stating i owe {$15000.00} and I have until XX/XX/XXXX to fill out loss mitigation package. I contacted them to said that was not the plan. I need to know what should i do. HELP. I started a new job things are looking bright please help. I do not want to lose my home. My cell # XXXX. 

Thanks, XXXX
I have been trying to refinance my triplex through PNC mortgage since XXXX of this year. The first time XXXX - XXXX they canceled the loan application, WITHOUT authorization from me. I restarted the loan application with PNC out of XXXX in mid XXXX and their processors are in Pennsylvania. I have been at the second time around since XX/XX/2016. I am so frustrated it is taking this long. I am currently financed at 7.75 % they offered me 3.5 % and said it would take 6 weeks. It 's going onto 5 months now. They said they were ready to close in XXXX, but the title company could n't match the address to the insurance paperwork on file. Now they just told me they need an appraisal. I was initially told that was not necessary. They told me today it did n't matter if it did n't appraise or not as it was just a formality! Why are they charging me almost a {$1000.00} for this. Why ca n't they use my assessor 's card? I owe considerably less than it is valued at. I do n't believe this will EVER CLOSE! ~!!
Hello there, In XX/XX/XXXX I used my American Express card to purchase XXXX dollars worth of American Express gift cards from American Express. I have never received them. I have contacted AMEX to cancel the order, resend the order, or dispute the change ( I have tried all three routes ) and long story short they keep sending me a form letter response encouraging me to speak to the merchant directly. Unfortunately for me, the merchant in this case happens to be American Express. I have my emailed receipt from American Express, signed by American Express Customer Care, which all clearly indicate American Express is the merchant in question. When I call the American Express XXXX number and speak with someone they understand the issue and tell me they will resolve it quickly, but then I keep getting the same form-letter response via email.
I received an email from XXXX and they are telling me that they are going to garnish my wages. They have my name, address, social security number and license number. I never applied for a loan at this online place that they are saying.
A few years ago someone used my identity and opened a college/student account. I have been out of college for almost twenty years now. So, whenever I apply for a card with Discover I am getting denied.

See below.

XXXX Dear XXXX XXXX XXXX XXXX, Thanks for your interest in Discover. Unfortunately, at this time we are not able to approve your application for a Discover it Chrome Secured credit card due to the following : STATUS OF EXISTING / PRIOR DISCOVER CARD ACCOUNT Although we are not able to approve your application, you can find helpful financial tips, easily keep track of your FICO Credit Score for free, and learn more about what affects your credit at Discover.com/Credit-Scorecard.

Sincerely, Discover Credit Operations Team XXXX This is unfair given that I have never had Discover card before. I think that I am being treated unfair and the new account should be approved.
Wells Fargo Bank financed my purchase of a XXXX XXXX XXXX in XXXX, after I placed a {$5000.00} down payment ( acct # XXXX ). I have never missed a payment and XXXX XXXX XXXX XXXX claims that I owe them for 3yrs of  auto insurance and because I refused to pay their excessive unnecessary insurance fees, Wells Fargo Charged Off my auto loan and refused my payment of {$450.00} in XXXX of XXXX. Wells Fargo Bank reported this false debt to the credit bureaus and increased the monthly payment amount to almost {$600.00} per month. I complained to the credit bureau about this and was informed that their ( WF ) reporting was improper. But they ( WF ) refused to retract their demand for payment for 3 years of insurance coverage. I have never had an insurance claim with my insurance company ( XXXX XXXX XXXX ), nor have I ever filed a claim with W.F. I have never been answered as to how can they ( WF ) can Charge Off my loan without ever missing a payment. Last year XXXX or XXXX of XX/XX/XXXXWells Fargo publicly announced that they had over 500k auto loans customers that had forced insurance wrongfully places on their accounts. Some even had their vehicles repossessed!
This is not the first time Comenity Capital opened up a credit card for me and then immediately or shortly after closed it out. XXXX XXXX XXXX I applied for a XXXX XXXX card as we are traveling this XXXX and I wanted to get rewards for my spending with XXXX XXXX. Immediately approved for XXXX. Card was mailed out and activated. I did not use it yet. On XXXX XXXX not even using the card yet, I get notice from XXXX that the card has been closed by credit grantor. 
Go back a few months, XXXX XXXX, XXXX. Opened a Redicard for XXXX with Comenity ... seeing I was going to be staying at a XXXX in the near future ... about a month later, get notice that it was - CLOSED by credit grantor due to inquiries. Funny thing is, the inquiry was the one that was for the XXXX with Comenity Bank. 
Same thing happened with my Comenity XXXX Visa. Approved in XXXX and then they closed the account. The only reason why I applied for the card was for the promotion that was going on. I joined the XXXX with XXXX and bought a bed, so I would get a discount. Shortly after, they closed my account and kept the fee I had to pay to join the club, as well as keeping any additional discounts I was going to receive for opening the credit card account and using the card on the purchase of the bed. 
With all this being said- XXXX accounts with Comenity, in the past year, closed by credit grantor ... is a bit ridiculous. Why extend credit to me, if after a few weeks, or a month, decide to cancel. I have no late payments, or accounts in default, so I am not sure why they are doing this. I took the hit to the credit bureaus for the inquiry and immediately or shortly after they close the accounts for 'excessive ' inquiries.
have been a victim of identify theft. They had my social, birth date and a drivers license in my name. 
First on XX/XX/2018 a person mid thirties walked into Umpqua Bank - XXXX, Ca branch and pulled a loan for a total {$10000.00}. The Manager said they were very high tech and the ID scanned and they setup a phone number earlier that worked when they called it to setup up the account. The also had a address in XXXX that they used. The person said he was at a funeral in California and needed the cash. And the manager approved the account.
Debt was paid to other collection agency. XXXX agency and XXXX also said is the same account.
To Who It May Concern, On Wednesday XX/XX/XXXX  a fraudulent transaction attempted to post to my bank account with Capital One 360. That transaction was for {$3000.00} made by   XXXX   XXXX   ; that transaction was also rejected due to non-sufficient funds. On Wednesday  XX/XX/XXXX , a hold was placed on my account for the {$3000.00} which caused my account to go into negative status ( $ -1,774.90 ). I have spoken with Capital One 360 about this and they are telling me that nothing can be done because the transaction has not posted it is just being held incase   XXXX   XXXX   attempts to take the funds again. I have spoken with four members of their management department with no help. I have also contacted the Federal Reserve Bank ACH Department. They advised me to this website to submit a complaint.
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Due to this fraudulent transaction my family now has to go without food and utilities because my payment to my utilities was rejected because of this hold on my account. Capital One is advising me that the hold will come off of my account on XX/XX/XXXX  if   XXXX   XXXX   does not attempt to debit the funds again.
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So now my family has to wait until XX/XX/XXXX and hope they do not try and take the funds again. Capital One is saying that this is out of their hands and that there is nothing they can do about it.
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I switched from a small town bank to Capital One for better security. I am not receiving what I expected and definitely do not recommend Capital One 360 to anyone.
Im writing to dispute the TransUnion record of a XXXX XXXX XXXX XXXX report, reference # XXXX, of which the XXXX XXXX was in a accident aroundXX/XX/XXXX. The vechicle was fully covered by XXXX at the time of the accident. The insurance company deemed the car to be totaled. I notified the XXXX XXXX XXXX XXXX about the accident with the claim number assigned by XXXX. Then I was told by XXXX XXXX XXXX XXXX that I did not have to worry about any upcoming monthly payment regarding to that account. I also confirmed with XXXX XXXX XXXX XXXX representative that there was nothing I need to do and all the matter would be settled between XXXX XXXX and XXXX. With that being confirmed, I went to XXXX as pre-scheduled. However, when I called XXXX XXXX XXXX XXXX again in XXXX to make sure the matter was settled, XXXX XXXX XXXX representative irresponsibly stated that they did not receive the payment from the insurance company. So I contacted the insurance company while I was in XXXX to address this issue, XXXX representative told me that XXXX XXXX XXXX XXXX did not contact them. As a result, XXXX did not know how to send the payment. I was confused and stressed, for this issue should have nothing to do with me at this point. However, sadly, I could do nothing but to beg the XXXX XXXX XXXX XXXX representative to contact the insurance company to offer XXXX the information. I then stayed in XXXX for my own business until XX/XX/XXXX 
When I returned to the US, I received a letter from XXXX XXXX XXXX XXXX that asked me to pay {$500.00}, which I immediately payed XXXX XXXX. According to the Lease agreenment XXXX need to notify me in person for unusual circumstance. I did nothing wrong in this whole process : I paid my dues, reported the situation immediately, notified both parties on time, and the only information I had was being notified that I had nothing to worry about. It is certainly the fault of XXXX XXXX XXXX XXXX and the insurance company for not contacting each other in time. I had no idea about the {$500.00} extra payment until I got home. I still paid it immediately when I got the notification. However, XXXX XXXX XXXX XXXX now has reported to the credit bureau for c/o ( charge off ) every month up to now (XX/XX/XXXX ), which is unfair and unlawful. I have evidence for everything I have stated above, and XXXX XXXX XXXX XXXX should also have record of the phone calls. Therefore, once again, I sincerely hope that XXXX XXXX XXXX XXXX would help me resolve the unfair treatment I have been through. I will definitely fight for the rights I deserve.