WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX, 2017 On this day I found out that my information, ALL of my personal identifying information, had been compromised in the breach of Equifax. I was not contacted. I had to learn about it from first social media, then the news. I had to do the legwork to see if my information was compromised. 

This information, trusted within this company, is everything required to steal my identity, disable fraud alerts, unfreeze freeze 's that I place on my credit, fraudulently file taxes, etc. Now this information is in who knows who 's hands, and unless more secure safeguards are put into place to protect it in the future, I will ALWAYS have to worry about identity theft because of Equifax 's lax cybersecurity. 

I do not believe that the social security number is enough protection anymore. Technology continues to advance, however the social security number does not. I believe modern safeguards need to be used to authenticate and identify the person, and as soon as such is put into place, the reliance on social security numbers needs to be ended, and that they should be public knowledge, just like a license plate number or drivers license number. 

I believe Equifax needs to make this situation right. I am disgusted that for the foreseeable future, nothing I can do will make my identity safe, nothing I do will make my credit safe. I should not have to be doing all this legwork when I have done nothing wrong. I certainly should not have to pay to make my compromised credit slightly more secure. Equifax needs to act to protect us moving forwards.
This was paid as confirmed by XXXX XXXX XXXX!!!! ( See Attachment )!!! Yet XXXX is showing a balance due ... No due diligence by XXXX nor Equifax who has been notified by both me and XXXX.
On Tuesday, XXXX XXXX, I received a letter from Wells Fargo dated XXXX XXXX stating they had found unusual activity in my account and that my account would be closed if the activity continued beyond receipt of the letter. I immediately discontinued use of the account, but on XXXX XXXX, found my account was closed and pending credit card rewards confiscated anyway. I made several calls to Wells Fargo to try to reopen the account to no avail. 
On XXXX XXXX, I received a letter, dated XXXX XXXX, congratulating me for being a top tier customer and providing enhanced rewards. According to the letter, under this reward structure, " XXXX points has a {$520.00} value ''. Wells Fargo confiscated XXXX points. Based on Wells Fargo 's valuation, these points have a value of {$26000.00}.
My husband and I got behind on our mortgage when my husband had XXXX XXXX. Green Tree sent us notification they were going to foreclose on our home. We finally got the money to catch the payments up and paid it. Thinking we were good we recieved a letter in the mail stating they were taking the necessary steps required by law to gain possession of the creditor 's collateral. It also states they 've sent us a " Notice of Default and right to cure Default '' notice. The notice is still in effect and they will proceed as outlined in the notice unless they receive {$400.00} in late fees. My husband went in person to pay the missed payments and was told we were current. No one said anything about late fees or that they could still foreclose on our home over late fees. They also charge every time you make a payment and with draw money out of our bank account even when we 've not authorized them to do so causing NSF charges at our bank. This company needs to be closed.
Tried to send money to someone I owed through papal. Spent over 45 minutes with them verifying all my information and they said we are refusing this transaction and there is nothing can be done. There is no means to rectify this situation through paypal. They said this a ip problem and even after verifying everything PayPal is still refusing to make the transaction, that I require them to make even though all fraud possibilities have been taken care of. <P/>Paypal rep : XXXX ID Number is XXXX He is suppose to be a supervisor in the business support department located in Nebraska Call Reference Number : XXXX says there is no number for the call recording XXXX has refused to give me the regulatory body in the government that overseas them. To prevent me from filing a complaint against PayPal for refusing to allow me to us my money in the way I want to use my money. Even after going through extensive verification process.
<P/>
There is no other department and PayPal does have a complaint department that I can talk to or have access to. Compliance department no will be provided there either. <P/>XXXX said he did file a complaint internally. XXXX just checks a box and does not understand anything about the complaint process. Expect ALL PAYPAL IS REQUIRED TO DO IS PUSH THE COMPLAINT BUTTON.
On  XXXX    XXXX   I submitted a dispute requested for the account  XXXX   XXXX   XXXX   ``   XXXX   XXXX   XXXX  '' that was paid {$500.00} and showing  XXXX  balance in collection be deleted from my credit report. No results. Account is still showing in collection with Equifax
Foreclosure occurred while a active loan modification was in effect. Specialized Loan Servicing LLC failed to comply with civil code XXXX. The California Homeowners bill of rights states:Restriction on dual track foreclosure: Mortgage servicers are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed. And my modification was not fully reviewed at the time of the sale. The Homeowner Bill of Rights banned the dual-tracking of foreclosures. This means loan servicers must make a decision to grant or deny a XXXX lien loan modification application before starting or continuing the foreclosure process. Even if the lender denies the loan modification, it still cannot foreclose until any applicable appeals period has expired (this is generally XXXX days from the date of the written denial). See attachments for proof. Homeowners are guaranteed a single point of contact as they navigate the system and try to keep their homes - a person or team at the bank who knows the facts of their case, has their paperwork and can get them a decision about their application for a loan modification. I had always left message to my single point of contact XXXX but never got a call back, I had always needed to talk to any customer service. Homeowners Have the Right to Sue for Violations Homeowners may sue the lender or servicer for violations of the California Homeowner Bill of Rights. Potential relief includes: injunctive relief, such as a halt to the foreclosure sale (if the foreclosure sale hasn't happened yet), or actual economic damages if the foreclosure sale has already occurred. In addition, if the court finds that the violation was intentional, reckless, or resulted from willful misconduct by a loan servicer or lender, the court may award the borrower the greater of treble actual damages or statutory damages of $XXXX.
This complaint is against Bank of America. I have a small business checking account with Bank of America. My company is a XXXX XXXX XXXX XXXX. On Tuesday XX/XX/XXXX, I was trying to use my Bank of America debit card online to purchase airlines ticket and book hotel. I was able to purchase my airline ticket but when I tried to book the hotel online, the transaction was declined. I tried booking the hotel again and the transaction was declined again. Finally, my husband booked the hotel using his XXXX credit card. Few minutes later, I saw an email from Bank of America about Security Alert :  Unusual debit card activity detected. It showed that the airlines charge was correctly approved and the hotel charge was declined. It also showed that a fraudulent charge with XXXX for {$520.00} was declined. On XX/XX/XXXX, I was checking my business checking account and I noticed 5 fraudulent charges from XXXX between XX/XX/XXXX and XX/XX/XXXX including a charge which the bank had confirmed via email that it was fraud and declined. I immediately called the bank and told them about the fraudulent charges. They asked me if I still had the debit card and I said yes. They opened a claim and told me that since no debit card PIN was used, it was clear that it was a fraud and they would refund for the 5 fraudulent charges totaling {$3500.00}. Since the claim was filed within 60 days, they said I have {$0.00} liability. They said they would mail me a fraud statement that I have to sign and mail them back. Next day, I received a temporary credit on my account. On XX/XX/XXXX, I received the fraud statement via mail which I signed and mailed it back the next day. On XX/XX/XXXX, I called them to check if they received the form and they confirmed that the form was received and that would investigate and credit back the claim permanently with 45-90 days. On XX/XX/XXXX, I received mail from Bank of America saying that the investigation was complete and the transactions were authorized, there was no error and now they would remove the temporary credit from my account on XX/XX/XXXX. These are fraudulent charges which were charged 5 times at 4 different locations of XXXX in California when infact I was not in California during that time. The bank should not take any money from my account for these fraudulent charges. I notified them as per law and they confirmed on the phone that the charges were fraudulent and now they are denying it. I also have email from the bank that one of the fraudulent charges was declined but still the money went out of my account. I was never notified of the other fraudulent charges via email. The credit should not be removed from my account.
I have over 60 inquiries on my credit report. The only one that is valid is XXXX XXXX. 
The other ones are fraud. I have an fraud alert on my file as well. 
I have contacted the equifax over the phone and in writing. 
They refuse to cooperate with me telling me although they are fraud inquiries they ca n't delete them and, I know this to be false. 
The inquiries are affecting me tremendously.
Dear CFPB, I requested information from a law firm representing the bank/creditor to verify a credit card debt they are alleging I owe - and they did not supply all the information and much of what they supplied was false and inaccurate. 

Please initiate an investigation and advise me as to the next steps to be taken. 

Thank you
I contacted XXXX XXXX regarding one late payment showing on my credit report dated XX/XX/2016. The arrogant customer service representative did not make any efforts to assist with my request. My payment history has been excellent with the exception of ONE late payment. She rudely hung up on me without providing any other options to rectify the one reported late payment.
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I sent a police report and letter to Equifax stating my identity had been compromised. I notated the account that needed to be addressed. XXXX XXXX Acct. XXXX. Equifax stated the account would remain on my credit with explanation responded with validation. Equifax violated sections 605, 609, and 611 of the FCRA I asked for verification but I never received no information to validate the reason for keeping fraudulent information on my credit report unverified or the method in which they verified information in which they fail to do so. I am requesting assistance in the removal of inaccurate information on my credit report. Equifax has failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act.
Hi, Do n't know if these accounts are mine. Cant reach any companies by these names in Arizona. Accounts seem very old and odd : 1. XXXX XXXX XXXX Account # XXXX 2. XXXX Data # XXXX 3. XXXX Collections # XXXX Thank you
We refinanced our XXXX mortgage in XXXX. The remainder of our 20 % loan went to XXXX bank, then was sold to First Merit sometime in XXXX. We recieved monthly statements showing our payment amount, including an amount going to principal and interest. We continued on time payments until XXXX XXXX, at which time we sold our house. At that time, there was an issue at closing, when First Merit said we had an outstanding interest balance due of over {$7700.00}. Some time between XXXX and today, they stare applying only a small portion of our monthly payment to interest and the rest to principal, and then we 're tallying up the remaining interest as something we owed behind the scenes. This was never disclosed to us on any bills, and since we knew that some amount was going to interest every month and that we were paying the mortgage down faster than expected, we did n't question whether the amount the bill showed as our interest due was accurate. 

The result was that instead of getting back {$2500.00} that we expected at closing, they said we owed {$4500.00}. We moved out of state and we 're prepared to take some degree of a loss on our house in order to sell quickly ; however, we would have made some very different decisions had we any indication they were not honest in allocating the money we sent. 

We would like to know if we have any recourse. We do not feel we should be accountable to pay this amount. It was supposed to be a 30 year loan, and for at least the first year, the money was being applied to interest. What would have happened if we 'd reached the end of the loan term? We 're they planning to hit us with XXXX dollars in unpaid interest and repossess our home?
We currently have a mortgage with Chase and are buying a new home so thought we would go through Chase as well for the new loan. We uploaded all documents as requested within 24 hours and for the past 3 weeks we were told no issues and should be able to close the week of XXXX XXXX. We just learned that the only item lacking is an appraisal and they use the term that no appraisers are picking up the order. They said the appraisal order has been out for 2+ weeks and recently escalated XXXX XXXX and again this week. The issue is no one and Chase can explain why that is being held up. 

We are in downtown XXXX XXXX, TX and have randomly called 5 appraisers, 3 of which said they work with Chase and certainly could get out in the next day or 2. So clearly there is a disconnect. 

We are at risk of the builder voiding our contract since we likely ca n't meet the contracted closing date now and at this point we do n't know what we can do as a consumer. The mortgage bankers, processors, etc are all saying nothing can be done and now have stopped returning calls. At this point we do n't know what to do. I understand banks ca n't call appraisers directly but why would this appraisal not be picked up for 2+ weeks? Is that really the hold up? 

We have to be out of our current house next week and with it unlikely that we will be able to close next week we do n't know what we can do. If there is some regulation or process then they should be able to articulate that or at least better set closing time expectations as opposed to waiting until the XXXX hour before delivering the issue. 

At this point I have never felt more frustrated or helpless and with the red tape and lack of concern on the part of Chase I feel like this is simply not right. I 'm not sure what we are supposed to do with our pets, belongings, etc while in the interim and that assumes we can talk our builder into extending the contract. If not we have to start over. Simply not right.
DEBT RECOVERY SOLUTIONS , LLC, XXXX XXXX And XXXX XXXX   negatively reaged my credit. Saying it was opened on XX/XX/XXXX ( XXXX XXXX  ) and opened XX/XX/XXXX ( XXXX XXXX  ) when this debt is fromXX/XX/XXXX-XX/XX/XXXX and should be off my credit by this year as originally stated before reaging it on my credit report. I want it removed.
Each time I would contact the Sallie Mae staff about my private student loans, I was told assistance options were not available. 

I was looking for option to consolidate or reduce payments similar to my federal loans. ( consolidated and placed on an income-driven-repayment plan ) My payments with Sallie Mae were roughly {$700.00}, that I was unable to afford based on my take-home pay of roughly $ 25K. 

Therefore I was not making payments on my loans since repayment options were not available. My loans have now gone into default. 

I have been dealing with a rather patronizing account manager who again told me that dropping my payments are not an option. Even though I told him a reduced payment of {$300.00} is not feasible with my pay. He explained that I needed to provide him the dollar amount and not assume he would provide me with a number. 

My cosigner is involved in this serious matter and I hope to rectify it, and not have this tarnish his life as much as it is effecting mine.
I pulled a copy of my credit reports and saw the Central Financial Control reported XXXX collections that does n't belong to me. I called to ask for validation of the debt in XX/XX/2017 and they got rude and refused to send it. I sent a certified letter to the company on XX/XX/2017 requesting validity of the debt and to cease and desist all credit reporting until the debt is validated. The company is still reporting the collection on my credit report and has not responded to my letter.
Mariner Finance continues to report a debt on my credit report that I do not owe nor have I ever made any agreements with this company. On several occasions I have sent them letters asking to provide documentation of the alleged debt in question. The last certified letter was sent on XX/XX/2017. The company has refused to address this matter and continues to report this derogatory debt which is a violation of my rights under the Fair Debt Collection Act1
To Whom It May Concern : Re : Case No. XXXXXXXXYou all had SunTrust to release the Deed of Subordination at the XXXX County Register of Deeds Office, but what about the deed to my property? That 's what the DOT for {$38000.00} was all about. SunTrust alleged that I borrowed money from them in XX/XX/XXXX to renovate rental properties. As I stated before, I have never owned any rental or commercial properties. That land was purchased by my mother, XXXX XXXX. It was later deeded over to me to help out with her personal care should any expenses occur. The mobile home is anchored to that land. I sent you a copy of all the grantees that SunTrust have used to show ownership in the past. I believe that XXXX is XXXX of their subsidiaries too. They can give me my land back with no problem because the loan was bogus. I do n't have a lawyer that wants to tackle this case because they said it 's too old and it would be too time consuming to get all of the information that would be needed. I have put fifteen years in it myself and it has just about consumed me. I was told by the US Attorney General 's Office that you all could fix it. You have done a lot by releasing that loan against my home and I thank you so very much. I did n't receive a response in regards about the land ( XXXX XXXX at XXXX XXXX XXXX XXXX ) or about my monies that I paid on something that I did n't owe. I did n't know that Banks were allowed to run over consumers like me just because they feel like it. I have been taken the advantage of and mistreated. Please let me know what response you got from SunTrust about these issues. Please explain to me how they can foreclose on my land and the debt was bogus? I know I contacted you all after the fact but you did n't exist until XX/XX/XXXX. You made them write the note of satisfaction, so why not get my land back? I never signed my land over to them during my construction loan with XXXX and later became XXXX XXXX, did n't include it with my mortgage either. SunTrust made up this loan and how can they get away with it? This ca n't be legal. As I stated before, my lawyer died suddenly, the company I bought the modular home from filed bankruptcy and we never had a closing because CCB merged with SunTrust and this was when all hell broke loose. Please help me to bring this matter to a close. Thank you in advance for assisting me with this issue.
I owed a debt to an original credit grantor, ( XXXX/Dillards ) some how ( XXXX ) XXXX XXXX XXXX was brought in to collect the debt, we ( XXXX and I ) spoke via phone and U.S. mail, after speaking with them on the phone I advised a Division manager that I had received a letter offering me a settlement of the debt, the total was {$170.00} he asked if I could pay the debt I then advised him that I could and we excepted the terms and I paid the debt with my bank debit card, I received a notice of receipt and payment, I also created an account on their web site to monitor the payment and I downloaded and printed a copy for my records, on or about XXXX XXXX I sent a certified letter to two division mgrs. at the same address ( XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX requesting that he or they the company contact the credit bureaus and remove the debt from my credit file since I had complied with their request to pay the debt, I have yet to hear back from one mgr., I have received a letter from the other dated ( XXXX ) stating that I have no further financial obligation regarding my XXXX account with no mention of the XXXX account or that he had contacted them advising them that the debt had been paid and or requesting them to remove their notice of the debt from my credit file as I had requested that they both to do.
I 've made a wire transfer with the amount of {$35000.00} XXXX from my bank account to a cryptocurrency exchange XXXX and my deposit was not posted on their website or returned to my bank account as promised. I made the transfer on the XXXX of XXXX XXXX. They said it would take XXXX business day on their website for the deposit to be posted. XXXX days later I opened a support ticket on their website since the deposit have n't posted yet, after XXXX  days they email me back with an general reply that my deposit would either be posted in XXXX business days or will be return within XXXX business days to my originated bank account if there is a problem. Since it 's the XXXX of XXXX XXXX, XXXX business days without any reply from them. Please help me out since I ca n't even reach anyone on their support team both by phone or by email. 
Transfer amount : {$35000.00} Wire tracking Number : XXXX My email : XXXXXXXXXXXX
I have been dealing with Navient for a year and getting different information from different people is getting exhausting. I spoke with a member of the customer service XX/XX/XXXX for a due date change. He could not help me so he transferred me to another department. I got transferred to XXXX different people that day and no one helped me. I got a call from consumer relations on XXXX/XXXX/2016 to resolve the due date change. They agreed to change my due date effective XXXX/XXXX/2016. He also said that because I had just made a payment, I would not have to pay again for XX/XX/XXXX, and I would n't need to make a payment until XXXX/XXXX/2016. Well ... I got an email XXXX/XXXX/2016 that I was still past due. I called to find out why, and the due date change went into effect for XXXX/XXXX/2016, so according to the system, I was past due. I made a payment on XXXX/XXXX/2016 and the representative informed me that she would pull the call from when I spoke with customer relations for the due date change, and follow-up with me in 5 days with what they heard as to whether or not he did in fact tell me that I would not have to pay anything else from XX/XX/2016-XX/XX/2016. I still have not heard anything regarding this and I do not want to call Navient, because I will only get the run around.