WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX, Equifax Inc. announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a vulnerability on a U.S. website application to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from XXXX through XXXX XXXX. 

The information accessed primarily includes names, Social Security numbers, birth dates, addresses, and in some instances drivers license numbers. In addition, credit card numbers for approximately XXXX XXXX consumers, and certain dispute documents with personal identifying information for approximately XXXX U.S. consumers were accessed. 

I went to the Equifax website and ran my information under 'Am I Impacted? '. Based on the information provided, Equifax believes that my personal information may have been impacted by this incident.
In XX/XX/XXXX I renewed my contract with XXXX XXXX to continue services. In XX/XX/XXXX I moved to a new address. My contract states that if I move and service is not available at my new address my contract is cancellable with no penalty. I notified XXXX XXXX, now XXXX XXXX XXXX, of my move. They sent a technician to my new home to instal the service. the technician informed me I had no " line of sight, '' so service couldn't be installed. He also told me he'd inform XXXX XXXX. Because of his statement I secured service through XXXX. I later received a bill for cancellation of service from XXXX XXXX XXXX for {$290.00}. I spent the next 4 months talking to various people at XXXX XXXX XXXX, including their " office of the president, '' discussing the amount was not owed. They admitted and agreed it was not, but rather than cancelling the debt they want me to pay the bill and they would then send me a gift card, an offer I declined. They finally let me know they'd write it off and I would not have any further issues with collections. In XX/XX/XXXX I received a bill from Diversified Consultants XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL ( XXXX ) XXXX trying to collect the XXXX XXXX XXXX account. They were notified the debt is not owed. I contacted XXXX XXXX XXXX the same day and was informed the account was cleared and I did not owe the debt. Diversified Consultants has now placed collection account notifications in all of my credit bureaus for this. I have requested a debt verification letter from Diversified, however, i do not owe this debt and would appreciate any help you can offer.
I am set-up with Ditech with their automatic biweekly payment option offered through their website, and all payments are current, have been timely made in total monthly amounts that exceed my static mortgage payment obligation that does not change as I do not impound and have a fixed interest rate. I can provide documentation upon request of my recent statements and payment history. Despite their own payment history showing me as current, Ditech has issued me a billing statement on XXXX/XXXX/2016 indicating erroneous past due amount and a {$83.00} charge for " late fee. '' When I called their customer service number, at XXXX and spoke with representative " XXXX '' in South Dakota, I was told that many people are having this problem as a result of a new computer billing software Ditech just started using that is not properly accounting for payments and is charging late fees even though payments are current. She confirmed that my account is current and has not ever been delinquent and that she would remove the erroneous late fee. Although I was informed they would rectify their error today by crediting the erroneous late charge, I was told that this may continue to happen again next month, but just to call back again next if/when their computer software charges an erroneous late charge, if I want to be credited for future erroneous late charges as a result of their flawed new computer software. I inquired as to what Ditech intends to do about erroneous late charges billed to other customers due to their " new software issue '' that do not complain / call to request credits and was led to believe that Ditech did not have any plans to take any pro-active action to rectify the situation and properly credit accounts that are current. Nor, was any time frame provided as to when their new computer software issue would be fixed so as to not charge erroneous late fees. I was not satisfied with this response, or the lack of operational control concerning non-functioning new billing/payment software. Furthermore, the representative asserted to me that this was " not Ditech 's fault '' that their new payment/billing software program does not function properly, which I found quite preposterous and unacceptable in light of Ditech 's responsibilities as servicer of the mortgage. I am respectfully requesting the CFPB investigate these troubling issues concerning Ditech 's business practices concerning erroneous late fees being billed to non-late borrowers and not being pro-actively reversed as a result of their " new billing software '' issues. Thank you in advance for your time and service.
Hi, My name is XXXX XXXX. I recently logged online to check my credit report and found that there numerous hard pull on my credit without my authorization. I believe this is a case of identity theft. According to the report from Equifax here are the detail of the hard pull inquiries which were not authorized : XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX
Received alert from credit monitoring website on XXXX that XXXX lease account was 30 days past due which I could not understand why because my wife and I had been making monthly payments on time to our knowledge. After numerous calls to XXXX they discovered that a payment was missed or not complete for the month of XXXX 2016. After consulting my wife, we found that XXXX was correct however they did not take the appropriate measures to contact us so that we could resolve payment issue before it was reported to credit bureau. My wife and I who are both on the lease account have a perfect payment history and feel that XXXX fell short in helping us prevent this issue.
XXXX XXXX  XXXX and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 
9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 
13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 
14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 
15. Provide verification from the stated creditor that you are authorized to act for them. 
16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
Everytime my husband or I call we are getting different stories. We have a letter stating that XXXX payments was our final payment for our motorcycle and we just had to pay fees for not having insurance. We have been calling for the last week trying to get info on the fees. Everyone is so rude there and now is saying XXXX is our final payment ( which makes no sense ) saying that they never received XXXX payment but then stated they received a cashiers check XXXX XXXX ( which would be considered XXXX payment ) now theyre saying theyre going to put a 30 day late on my credit which i dont see how they can do because there is no payments left besides the fee for no insurance and they cant even give us a straight answer on what is owed. Everytime someone answers its a different answer. I have never been late in the 4 years i have had this loan and i have never been treated with such little respect ever in my life. I closed my bank account XXXX XXXX payments come out XXXX XXXX they received a notice the account was closed XXXX XXXX, they received my cashiers check XXXX XXXX and since then i have been trying to figure out what is owed to pay the fees off and one minute i call and its they never received a cashiers check now its they have then it was XXXX was the pay off then its XXXX they have absolutely no idea what theyre talking about and its only 2 women that answer the phones there!!! Its absolutely ridiculous!
I check my credit report and notice that I had to late payments on my account from Capital One, I contacted Capital one to inquire about why a late fee was charged and informed them that no payments should be late I had set up a payment arrangement with my bank to have all payment sent directly to capital one. The person I spoke to informed me that they would credit my late fees back and remove the late charges off my credit bureau. The late fees were reimbursed but the late history is still showing up on my credit agency
Dear Transunion LLC, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX XXXX (XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Transunion is reporting a bankruptcy on my credit file that is not mine. I have never filed bankruptcy. I am also showing accounts in bankruptcy that do not belong to me on my Transunion credit file. Either someone has the same name as mine or they incorrectly inserted bankruptcy information on my credit file. Please help me in getting these items remove from my credit file.
Resurgent Capital Services doing business by other alias ' such as LVNV Funding LLC, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PYOD XXXX, XXXX XXXX XXXX, Resurgent Capital Services XXXX and XXXX XXXX XXXX continue to send me mailings on an account that is not mine. I have submitted a debt validation request to LVNV Funding and Resurgent Capital Services within the 30 days upon receipt of the notification. I have yet to see any of this documentation and continue to receive mailers. On XXXX XXXX, 2016, I contacted XXXX XXXX Bank and spoke with XXXX XXXX who verified that my previous account with them was in good standing. I would like the mailers to stop being sent to my home.
I have incorrect information on my credit report being reported by Experian the agency which reported it was XXXX XXXX liens that were supposed to be cleared and XXXX XXXX gave me the copies to send to all XXXX reporting agencies and I sent them to the reporting agencies on XXXX different occasions.
I have been contacted in 29 times, since XXXX XXXX, 2015 by a Company called MOHELA, XXXX XXXX XXXX, XXXX, MO XXXX. The calls are annoying. According to my son, Mohela has all the information on loan that belongs my son, not me. Yet they continue calling me. The most recent call was on XXXX/XXXX/2015 at XXXX PM. In the past two days, I have had XXXX discussions with Mohela personnel and quite clearly told them to stop calling and harassing me.
XXXX XXXX. 
~ {$150.00}. 
I was on vacation in Colorado with no service. Postedponed making payment until I had service. I forgot all about it and never paid until next time. I have proven that I can consistently make payments not only before the incident, but after as well. I have not missed since. I wanted to see if it were possible to somehow forgive this incident.
I attended XXXX XXXX XXXX college located in XXXX, s.c. i applied for student loans to pay for my college courses during my duration of attending there. I thought i was being over charged for the amount and cost to attend XXXX XXXX. After borrowing student loans and upon graduation, we were told by the college that the XXXX XXXX program was not accredited. I was in the first graduating class of this program but upon admission, i was never told that the college was not accredited. Many funding dollars were taken from students but the college was not accredited. To this date i have been struggling to pay back over a {$23000.00} student loan from 14 years ago. Upon graduation, our class was never instructed how to obtain a certification in our degree program. Another complaint is the student loan servicer, first it was nelnet, then XXXX and now XXXX. A lot of changing hands in the student loan accounts, dont know if statements are accurate of balances.
My XXXX  XXXX XXXX credit card account was closed in XX/XX/XXXX. I continued to make payments until XX/XX/XXXX, and ultimately the account was charged off in XX/XX/XXXXwith a balance in excess of {$5000.00}. A XXXX was issued in XX/XX/XXXX, which was filed with my tax return and paid to the IRS. XXXX XXXX  XXXX is still reporting the account as open through XX/XX/XXXX with Equifax and XXXX ( XXXX is reporting closed status as ofXX/XX/XXXX ). In addition, XXXX  XXXX XXXX is still reporting the aforementioned balance on all three credit bureaus. I have called Bank XXXX XXXX XXXX XXXX asking for the balance to be updated to {$0.00} and mark the account as closed. They are refusing to do so, stating that I am able to make payments on the debt if I wish. Please help me rectify this matter.
In XXXX of 2018, I filed a dispute with XXXX about XXXX XXXX XXXX, to either verify the alleged debt owed, or remove it from my credit report, which they have made no attempt to verify the debt, as pursuiant to the Fair Debt Collection Practices Act, and as such, from my understanding, it is to be removed from my credit report.
XXXX is reporting an account named Planet Home Lending on my report as having a current status of 120 days past due when it should state closed and paid and they are showing account 120 days past due in history on XX/XX/XXXX. This account was closed XX/XX/XXXX so how is this possible after filing complaint with CFPB and waiting 30 days a response was sent by Planet home lending saying they arent reporting XXXX is and its XXXX responsibility to correct taking NO blame for negligent reporting but they stated they received a dispute prior to this and confirmed account so they confirmed these things then. Now XXXX  sends me new investigation results dated XX/XX/XXXX and once again Planet Home lending confirmed current staus of a 2 year closed account as past Due 120 days and show it past due on XX/XX/XXXX. This is rediculous. In mean time I am the one suffering because of this gross negligence of both parties XXXX and Planet Home Lending. I dont want to hear its not our problem from Planet Home Lending its XXXX  because XXXX just sent them in XXXX another dispute and asked them to confirm and the XXXX  ( Im sorry I say as I see ) including the guy who responded back to last complaint confirmed everything asked to this includes current status being 120 days past due and the past due occured XX/XX/XXXX some 2 years after account was already closed. So what will Planet Home Lendings excuse be now? What will XXXX  excuse be. like 2 peas in a pod both incompetent XXXX. Im not looking for any investigation as I have wasted a year with this account already. Both XXXX and Planet Home Lending have exactly 15 days to either remove account or correct to show current status paid and to remove the 120 late on XX/XX/XXXX history. After this amount of time maybe its time to let the courts handle and both can pay my legal fees and damages for their blatant negligence. This actually should also be forwarded to the FTC as they both have consistently reported incorrectly and refuse to fix each other blaming each other. Enough is enough. 15 Days
On XX/XX/2017 I received conformation of XXXX balance transfers totaling {$7900.00} including transfer fees ( with zero percent interest until XX/XX/2017 ) I made onto my Chase Ink Mastercard. I had never requested a balance transfer before so I had called and talked to a representive for Chase prior to making the transfer. I was told that any new purchases I made on my Chase Mastercard had to be paid off every month or the balance transfer amount would be subject to the current interest rate on my account. During the month of XX/XX/XXXX between XX/XX/XXXX to XX/XX/XXXX I made cash advances totalling {$2800.00} including transaction fees. On XX/XX/XXXX I made a payment of {$4000.00}, figuring that would cover any cash advances and purchases for the month of XX/XX/XXXX, also the minimum payment due plus some extra that could be applied to the balance transfer amount. When I received my statement the next month, no money was applied to the cash advances ( highest interest rate ) I had made, instead they had applied the {$4000.00} to the balance transfer amount ( zero interest rate ). I called on two occasions and both times I was told by the Chase representive that is the way it works, when clearly that is not what I was told prior to applying for the balance transfer. After all it would make no sense for me to pay down a zero % balance when I have a balance that carries a 25+ % interest rate.
I paid my account every month using my banks on line system. Every month i got notice that they received my payment but one month we got notice 30 days later that they never received my payment and they were going to report it as a 30 day late account. I have tried to work with them to get it removed since it was not my fault but they refuse to.
While reviewing my credit reports in XXXX, I discovered a collection account for Account Resolution Corporation on behalf of XXXX XXXX XXXX. I had never received a bill from either XXXX XXXX XXXX or Account Resolution Corp, so I contacted Account Resolution Corp via certified mail requesting validation of my obligation. Account Resolution not only failed to mark the item as disputed on all XXXX reports in the required 30 days, but also responded with copies of a bill with my name listing procedures and a form supposedly signed by me. The signed form gave permission to release records to XXXX entities only ( entities responsible for payment and government agencies for the purposes of determining eligibility for government benefits ), yet XXXX XXXX XXXX released records to Account Resolutions Corp who is neither financially responsible nor a government agency. This is a violation of my rights and permission was not given to provide personal information regarding my health to a collection agency. 

In summary, the original bill was never received from the original provider. A bill and/or right to dispute was never received from the collection agency, and to validate this debt, my personal information was given to a third party without my consent.
I opened a NAVY FEDERAL BANK ACCOUNT CHECKING SAVINGS MONEY MARKET I HAVE NOT RECIEVED MY MAIL APO OR A DEBIT CARD
My inquiry is what the law allows in terms of fees charged e.g. a late payment 'fee ' that is XXXX % of the minimum payment due. Can a 'fee ' be almost equal to the principal and interest due on a revolving credit account? It seems excessive and designed to compound every month. This with Nordstrom Bank. Thank you
Company claims i owe for XXXX but XXXX tells me ive never had a past due amount and i have XXXX XXXX service now, ive asked several times for this account to be validated and have been denied.
Around the beginning of XX/XX/XXXXEquifax reported ( a month after the fact ) that user information and data was stolen. This is unfathomable and puts all of us at risk for Identity Theft.