WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax recently suffered a massive data breach and did nothing to personally notify it 's potential victims. I only found out about the incident after I saw a news article about it. Equifax 's solution is to offer a single year of free credit monitoring, but if you sign up for it, you lose your right to a class action lawsuit against the company.
I was affected by this breach and I am extremely displeased at how they are managing this situation.
HireRight gave inconclusive credit findings to a Company called XXXX and company. I was scheduled to start work for XXXX on XXXX/XXXX/2015. On XXXX/XXXX/2015 I was extended an offer for employment with them. I accepted and received paperwork from HireRight. I received a credit report from XXXX saying that my public records were sent to XXXX, but the address on the report was that of HireRight 's. The credit report had XXXX items that should have be on the report. XXXX showing that of a paid Indiana Tax lie and the other showing a false judgement against me from a check cashing company. There was XXXX also for Indiana state that I did owe and was paid on XXXX/XXXX/2015. HireRight showed these as flags on my credit to XXXX. HireRight did not investigate these thoroughly. As a result XXXX called me on friday XXXX/XXXX/2015 saying not to go in on XXXX/XXXX/2015 and I would start on XXXX/XXXX/2015 and they wanted to discuss HireRight 's flag that they showed. On Monday at the end of business day I got a call from XXXX and the HR rep had pulled my personal credit report and really didnt talk much about my public records. We talked about my personal credit. On Tuesday I received an email from the HR rep saying she and the hiring manger would be talking again on what their thoughts were. Finally, after seeing that I was getting strung along. I reached out in the after hours expressing that maybe it would be best that I pursue other opportunities and that I could see that XXXX was stringing me along. HireRight reported information costing me a job. As a result of this I am now unemployed with bills vastly approaching. I have no way of recoup my losses. I 'm also getting all types of soliciting calls and emails for companies saying things about loans and pay day loans. I didnt receive anything like this until I gave my information to hireright.
I opened the Everyday Checking with BMO Harris over the phone in XXXX 2016. The promotional code that I used for the {$250.00} checking bonus was n't expired until XXXX XXXX which was after when my account was established. This code was confirmed originally by the phone agent, and the bank should have kept the recording of this phone call as proof of my claim. Moreover, I also have email proof of this promotion sent by the bank so there is no denying from the bank for refusing to honor it. The worst thing was with their customer service which seemed to have mostly been trained to tell all customers that the promotion was not from the bank at all, and the bank website has been hacked or at least the promotion page was hacked to send out this bonus. I have NEVER heard such a ridiculous response from any other financial institutions before, and it is seriously shocking to learn that a good sized bank like BMO Harris could NOT honor its bonus for whatever reason. 
The second issue is with the XXXX monthly fees charged. I have to say that their banking system is the worst I have ever dealt with, even credit unions are having better systems to make the process easy to use and streamlined for their customers. When I created my online banking account I expect everything to be automated and did NOT have to call customer service to get it to work. This has been my experience with any other financial institutions that I 've dealt with, however BMO Harris system is different and does n't work without manual intervention. The request for refunds is for the amount of time and trouble it caused me to set it up successfully. If I received the initial temporary password that your website was supposedly to send out, I would have completed the enrollment process in no time and transferred in enough funds to waive the monthly fees. 
So to summarize, I 'd appreciate CFPB to work on my behalf with the bank in order for them to honor my bonus, and refund the fees charged inappropriately. Thank you very much.
Advised by Wells Fargo Home Mortgage that my loan modifications in XXXX XXXX and XXXX XXXX were " not converted in a timely manner. Also, the loan modification for XXXX was completed with a " 40 years '' payout. I received two ( 2 ) letters from Wells Fargo dated XXXX XXXX & XXXX XXXX advising me of the errors i.e., six ( 6 ) years after my first loan modification of XXXX. There was no credit adjustment issued on the first modification i.e., XXXXand {$470.00} credit issued on the second i.e., XXXX XXXX which was deducted from the principal balance
This is about Hyundai auto finance company ... .they got my cell number from who knows where ... ..I have NEVER had a loan or ANYTHING with them, but they keep callllllllling me at least three four times a day sometimes more ..., ... they call when im on conference call and when they do, my conference cll drops ... and I have to redial in ... ..Ive sent them email telling them to " cease and desist '' ... ..and they talk to me like im the one infringing on their time ... ..they do n't leave messages, just call and call and call ... .its annoying ... .Ill NEVER buy a car from these people based on their behavior ... ..Ive never had dealings with them, a loan, nothing!! I HAVE TO PICK AN OPTION BELOW TO GET THIS THROUGH, BUT IVE NEVER HAD A LOAN OR NOTHING WITH THESE FOLKS ... ..I want them to stop calling me and or anyone else they are harassing! when u ask them to stop they do n't. then u call them they act like YOURE stupid.
I'm lost for words about my situation, first I disputed with no actual detailed information about an account listed on my personal credit file, I have requested validation directly from the company NOTHING RECEIVED, I have filed a complaint through the CFPB to the collection company XXXX XXXX USA # XXXX no response back from this company through the CFPB. 

For an item to be listed on my personal credit file which first is unknown, second very old and appears to be PAST THE STATUTE, not able to be validated how is this still on my credit file? Your company states your firm verified HOW?? If the actual company isn't responding to two different firms how is your firm able to? What was requested by your company? What was obtain to show I owe this bill I have no idea about and it's NOT mine? This is crazy, how can your company sleep at night?
On XX/XX/XXXX I stopped at a used car lot in XXXX XXXX Texas to purchase a used car. The outside of the car lot had signs that read {$500.00} dollars down payment which is why I chose to stop there. I went inside the car lot to ask about buying a car. The car lot offered a XXXX XXXX they said that was the vehicle I qualified for. I offered {$500.00} dollars down and received a contract that stated that the balance due on the car was {$5600.00}. After I dropped of the first and second monthly payment of {$280.00} to the car lot I was told I had to start sending the payments to the finance company Lobel Financial. I then sent the first payment to Lobel Financial in form of money order and in return Lobel Financial sent a billing statement in Spanish which i didn't understand so I called Lobel Financial and asked to send my statements in English which they never did although the request was made again several times in the future by phone call and in written form on the return payment slip. After I made payments from XXXX to XXXX which is almost 2 years I suddenly receive a call from Lobel Financial in a very rude manner from some representative named XXXX. He demanded I pay him immediately a payment of {$580.00} and said I was behind on my payments. I asked him what payment was missing since I had sent in my monthly payments as agreed. He was never able to tell me what payment was missing therefore I asked to speak to the supervisor.I was referred to a woman named XXXX. After several attempts to resolve this issue I was told the payment missing was from some time in XXXX but was never told for what month.In XXXX the following month Lobel Financial finally sent me a payment statement and told me to figure out what payment was missing. During this issue I found out Lobel Financial had charged {$1900.00} as finance charge. I was surprised and upset since this amount was not included in the price of the car which stated my balance was {$5600.00} dollars. I was now stuck with a contract I didn't agree to and car that went up in price to {$7600.00} dollars. I was told the account would be placed on hold until the problem was resolved however 3 days later Lobel Financial sent for the car XX/XX/XXXX XXXX to get repossessed. I was never given a reason or an option to resolve this. I spoke to XXXX again the next day as I work morning to night it was impossible to talk with XXXX at her time and convenience. She demanded I pay her {$580.00} immediately if I wanted my car back. I told her I didn't have the full amount but she never tried to work something out with me she just very rudely said nothing could be done. I received a letter on XX/XX/XXXX saying the XX/XX/XXXXXXXX had been auctioned for {$1100.00} which is below the fair market value required by law and that I have a balance of {$2400.00} that Lobel Financial is demanding. After reviewing the contract I received at the car lot I saw it was made with a {$900.00} dollar payment I only gave {$500.00} dollars down. The contract is a fraud. Paperwork is attached to this complaint including the down payment receipt.
I FILED A COMPLAINT WITH CFPB NUMBER XXXX REGARDING WELLS FARGO BANK, WE HAD BEEN COMMUNICATION OVER THE PAST YEAR REGARDING AN INSURANCE CLAIM REIMBURSEMENT. ON XX/XX/2018 I  COMMUNICATED WITH XXXX XXXX, XXXX XXXX ON A RECORDED LINE THE ABOVE NAMED REPRESENTATIVE OF WELL FARGO DID EXPRESS TO ME THAT HE COULD NOT UNDERSTAND WHY XXXX XXXX OF WELLS FARGO ALSO WOULD INDICATE THAT I WAS NOT A " PERSON OF SUCESSION '' WHEN IT WAS RIGHT THERE IN THE FILE ( THIS IS AVAILABLE SHOULD YOU DESIRE THIS RECORDED CONVERSATION ). ABOUT AN HOUR OR SO LATER I RECIEVED A SECURED EMAIL FROM XXXX XXXX ADVISING ME THAT I WAS NO LONGER " A PERSON IN SUCESSION '' AND THEY COULD NO LONGER DISCUSS ANY MATTERS WITH ME UNDER THE FAIR DEBT AFTER 3 CALLS TO MR. XXXX AND NUMERIOUS E MAILS REQUESTING A FOLLOW UP OR HIS SUPERVISORS NAME NO COMMUNICATION HAS BEEN RECIEVED. YOU ALSO CLOSED THE ABOUT CITED CASE XXXX AS THEY INDICATED THAT I WAS NO LONGER A PERSON OF SUCESSION. HOW AFTER OVER A YEAR PLUS OF INTERACTION WITH ME HAVING ME ENDORSE CHECKS FOR THE ESTATE, ENDORSE CHECKS FOR THE CONTRACTOR AND ENTER INTO CONTRACTS WITH THE CONTRACTOR, ALL SUMMITED WITH XXXX SHOULD YOU NEED TO REFERENCE ANY OF THIS MATERIAL. 
WE WOULD LIKE THE {$5700.00} RELEASED TO THE CONTRACTOR OR A CONTINUED DISCUSSION ON WHAT WELLS FARGO WOULD REQUIRE TO RELEASE SUCH FUNDS. LOOKING FORWARD TO YOUR RESPONSE.
The company direct management called my place of employment last week and I was not at work. Then they called again today XX/XX/2018 and I told not to call me at work. The women insisted that they need to collect payment. I again stated i was on the job. Finally I got her to get off the business phone.
Greetings! 

On XX/XX/XXXX I contacted Chase bank credit card services over an unrecognized charge that I wanted to dispute and cancel further charges. The charge was approximately {$42.00} from a company named XXXX XXXX. At that time I had no issues with them disputing the charge and telling me that there would be a block from all future purchases. I was not informed at that time that there were any potentialities for future charges from that company appearing. 

Today while paying my bill, I noticed a pending charge from XXXX XXXX. I contacted Chase and discovered that since my XX/XX/XXXX request to dispute the charges and prevent further charges, that 4 different transactions had occurred. The representatives did verify that I had contacted them in XX/XX/XXXX to place the block and were very unapologetic in letting me know that I should have been told that it may not be effective. 

I escalated the situation to an XXXX who refused to assist with 2 charges that had occurred after the block was requested in XX/XX/XXXX and she herself was even unable to contact the company via their listed support number or numbers found online. These charges were said to be too old. 

I have been a Chase customer for a very long time. I have 1 debit and 2 credit cards from chase and in all my years as a customer have never needed to dispute a charge or block any purchases. I am asking that chase please reimburse me for the 2 charges that should not have occurred that are 'too old ' to dispute in the amount of approximately {$84.00}. This situation has definitely hurt my perception of the company and I am very seriously considering alternative ways of banking in lieu of this situation 's outcome.
I purchased an auto in 2007 from a local dealer who finance using Drive Financial who later changed to Santander Consumer USA. I have still not received my lien free title and on top of that after deferring several times payments my credit reports shows various incorrect reporting issues. I am still trying to get them to clean up this mess.
On XX/XX/XXXX my Chase credit card customer service claimed they regularly review account and credit information for all of their customers. Based on their review, they decided to substantially reduce my credit line from {$15000.00} to {$7700.00}. Chase claimed their decision was based on delinquency reported within the last 48 months, balance owed on revolving accounts too high, and account in collections in the last 48 months. They also said XXXX was their source and that my credit score was XXXX. <P/>First off, I obtained my Chase credit card on XX/XX/XXXX by a " pre-approval '' offer sent by Chase so that trumps their argument of delinquency reported within the last 48 months. Secondly, my revolving credit card balances they claim are too high is below 30 % on most of my credit card accounts. I always pay my bills on time. As of XX/XX/XXXX my Equifax credit score was XXXX. I believe this is a criminal and unlawful attempt to derail my credit worthiness. This decision came without notice, and has now demolished my credit ratios, and is adversely affecting my credit scores. Chase customer service has been very unhelpful. Chase has broken their fiduciary responsibility to their customers private information. I seek swift punishment to those behind this act.
XXXX XXXX XXXX is incorrectly reporting with the CRA 's ( XXXX, XXXX, XXXX ) that  I owe a balance of {$180.00} on a closed/charged off account. How is this possible? If an account or trade-line is charged off, how is there a balance owed? A 'charged off ' account has been written off of the alleging company 's books and is usually covered by insurance or given some sort of tax credit. This trade-line CAN NOT be 'written off ' and have a balance and is CLEARLY in violation of federal law ( s ). The guidelines afforded to me, a litigious consumer are as follows ....

When you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) You may be exempt from this requirement if you give an address for consumers to report inaccurate information, but you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ) Guidelines for Policies and Procedures You must establish and implement written policies and procedures regarding the accuracy and integrity of information you furnish to a CRA. Guidelines are in Appendix A to Furnisher Rule Part 660. Read the Appendix ; the information here is just a sample.

Your policies and procedures : must be appropriate to the nature, size, complexity, and scope of your activities ; must be reviewed periodically and updated, as necessary ; should ensure that information provided to a CRA is for the right person, and reflects the terms of the account and the consumer 's performance on the account ; require maintenance of records for a reasonable amount of time ; establish internal controls for the accuracy and integrity of information, such as through random sampling ; prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers ; and require updating of furnished information where necessary.

Information should : be substantiated by your records when it is furnished ; include consumer identifiers, like name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ; and be furnished in a standardized form and specify the time period it pertains to.
We got a letter from a lawyer who was seeking a motion for summary judgment for the amount of {$3400.00}. 

We called the lawyer whose secretary gave us the number of the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. We agreed to pay by debit the amount of {$3400.00}. 

Confirmation number XXXX. 

Our bank shows they took {$4400.00}. 

We have frozen the card used. This has to be fraud. Do we have any recourse?
I 've opened a checking account with Chase that I 've had since I was in high school. They 've closed my checking account and chose to end my relationship with them. I asked them why was my checking account closed. Their response was that they could n't give me a reason why and that it was closed due to me being too much of a risk to the bank. They will not tell me what risk I am nor will they give me any information. Everytime I call, I can not ever contact the correct department because they continuously transfer me to a department that tells me they can not assist and that I can not open an account with them. I found out that there was several other checking and saving accounts with them that had some activity on it that was not appropriate. I 've tried notifying this bank several times that I have n't opened these account nor did I do any activity on it that is risky. I have had a few claims but the majority of them were found in my favor which means that they are legit claims. I feel I am being discriminated or penalized for something that is not my responsibility or my actions because of identity theft. It is not fair!
On XX/XX/2018 Experian listed a new debt collector on my credit report. This debt collector is XXXX XXXX, account no. XXXX for the amount {$710.00}. I disputed this debt with Experian and they deleted it on XX/XX/2018. The first debt buyer was called XXXX XXXX at the time of removal. After I had the account removed they sold it to XXXX XXXX. I filed an Identity Theft Report with both XXXX and XXXX to block XXXX from reporting this fraudulent account on my credit reports. I have an extended fraud alert and locked credit reports. I have been a victim of identity theft and want the account removed. I have enclosed with this complaint to Experian, copies of my Identy Theft Report, FCRA 605B, Proof of Identity and, Experian Credit Report.
I sent a hand written letter to Experian dated XX/XX/2016 requesting verification ( consumer disclosure ) of XXXX of my student loan accounts in which the debts have been re-aged repeatedly for more than a decade. As of XX/XX/2016 there has been no response to my request, and the accounts remain. Numerous missed payments are reported continuously, while the date of first delinquency is approximately fifteen ( 15 ) years ago. 
I had the letter notarized on XX/XX/2016 prior to mailing by an officer at my local bank. Copies of all are enclosed for your review. Relevant pages from my current credit report dated today, XX/XX/2016 are also attached. 
I would like to request that these accounts be deleted so that I will no longer be illegally and unfairly punished by Experian.
Frequent calls/answering machine messages. ( Too many to document. ) Callers were a mixture of live humans and robocalls. 

Callers never left threats or used bullying tactics, but did heavily emphasize the debt collection nature of the call. 

Callers never used personal identifying information ( i.e., " This is a message for XXXX concerning debt collection. ) Callers were all from National Enterprise Systems.
on XXXX XXXX 2014 i, XXXX XXXX had my purse stolen out of my vehicle and have police incident report.i then called all my banks and credit cards to cancel.Bank of XXXX is the only bank not allowing me to close my account till this day cuz of not XXXX balanced..in XXXX i spoke to XXXX XXXX and arranged financial difficulty payments and already paid XXXX payments and still not closing my account and my numbers keep going up instead of down..XXXX owed on my checking and i didnt agree on that but arranged payments anyway ... XXXX on my credit card account totaling XXXX..still charging me fees and late payments wen its stolen nobody knew about arrangements..then got a hold of a lawyer and no respond to our letter, ,i just want my account closed and i only owe XXXX to the checking if that XXXX on my credit card minus the charges.lawyer was XXXX XXXX FILE # XXXX. to show that i followed thru and they have not and its fraud,
This debt collector claims I owe them an arreas of $ 3500+ Which in fact I have no knowledge or ever making an agreement with this business. This company constantly, calls me and leaves voice messages, send me emails, mail letters and just today they came over to my property and left an envelope with a document. This harrasment needs to stop.
1 - I called Navient to inquire about paying the balance of my loan off and was told that I needed to pay the balance + future interests. The terms of my loan state that there is no early re-payment penalty, but paying the balance + future interest sounds exactly like an early repayment penalty! I understand paying past interest, obviously, but why would I have to pay future interest on a loan I want to pay-off? 
2- I also went into forbearance for a while due to unemployment and continued to accrue interest during this time 3 - I called to see if I could get my payments changed to match my income ... the response was a payment amount WAY above what I could reasonably afford with local housing, food, living costs under consideration.
I have no contract with Conserve. Conserve is also not licensed to do Business in the state of Florida.. Conserve also had 2 different charges on all 3 of my credit files. They just recently deleted one for & XXXX, but one still remains on my credit report for around $ XXXX.Conserve ca n't send me proof of anything with my signature on it, because I never had a contract with Conserve and the are n't licensed in Florida so I never even received writen notice when these accounts was placed on my credit.