WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage payment is collected by Nationstar Mortgage. And I am forced to pay additional funds each month into an escrow account for taxes and insurance in stead of being allowed to make my own payments. Last year I received an invoice for hurricane insurance ( also required by the lender ) directly. I paid it and submitted proof of payment to Nationstar. Nationstar proceeded to pay it as well, in spite of the prior proof of payment,. Subsequently Nationstar was reimbursed by the insurer, but has refused to reimburse me, claiming that they need it to keep my escrow account above the minimum required balance. However, as they do every year, Nationstar still increased my monthly escrow payment again for the next year. Their explanation for why they had to increase my monthly payment in spite of retaining the {$790.00} they were reimbursed by the insurance company has been totally inadequate. They simply manipulate the actual date of payments and/or escrow calculation such that the account briefly falls below the minimum balance allowed by law and then use that as an excuse to jack up the payments or in this case refuse to reimburse me for the payment I made. Finally I would like to make it very clear that Nationstar intentionally made the double payment when fully aware that they had proof in house that the payment had already been made.
I had a XXXX and XXXX mortgage with GMAC in XX/XX/XXXX. I received a modification from GMAC in XX/XX/XXXX and was notified of the new loan balance and payments. I began receiving monthly statements reflecting the agreed upon terms. There was no specific mention to the XXXX not being included in the modification and I never received another statement on that loan. It was my understanding that if had been rolled into the new loan. When GMAC ceased operations my loan was transferred to Ocwen and I began receiving loan statements from them. I asked Ocwen if they were aware of a XXXX loan and was told that they had no record of another loan. For the whole time period since the modification was granted I have never received a statement of any sort indicating that the XXXX loan still existed or what the status of that loan might be. On XXXX XXXX XXXX Ocwen sold/transferred a XXXX trust deed on my property to XXXX XXXX and they immediately filed a Notice of Default with no attempt to contact me. I am now suddenly {$50000.00} in arrears on a loan I could not locate and had no idea who/how to pay over the last XXXX years. I am being forced into default. At any time over the last 6 years did anyone who held this trust deed have a responcibility to notify me, send me statements or in any other way facilitate my repayment of this debt obligation?????? It was my understanding that when a loan is transferred to a different servicer notice is required. My XXXX is and has been paid as agreed and I am now at risk to lose my house to foreclosure. Had GMAC been upfront about the terms of the modification, had Ocwen honestly told me they held the loan, or had I been notified of who and where and what to pay at any time over the last 6 years this would not be happening. I am not attempting to shirk a legitimate debt but feel that numerous parties actions over the last 6 years have not been upfront or with complete transparency. I was not provided the information with which to satisfy my obligations so that others could financially benefit.
XX/XX/2017 Trans union system updated my XXXX account informing me that XXXX collections with XXXX had been removed and I was reporting No collections and inquiries from XXXX sources had been removed and added right back. I contacted TU and was told they would look into this and provide a update to me after I submit PROOF of what I was seeing reported. I complied with all the required information and called to confirm all docs were received and was told yes XX/XX/2017. I have not received any information, yet the next file updated from XXXX XXXX only shows all the information was inserted back. I would like all the inquiries and reinserted collection accounts with XXXX XXXX to be deleted as they did not comply nor provide proper notification this info would be re inserted. I would like the inquiries to be removed XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX to be removed as reported on XX/XX/2017 ...
Massive data breach by Equifax announced on XXXX/XXXX/XXXX that included full names, dates of birth, social security numbers and other personally identifying information, including possibly driver 's license and credit card numbers. 

Equifax says the breach begin in mid-XX/XX/XXXX and was not detected until XX/XX/XXXX. Equifax did not notify the media until XX/XX/XXXX, and I have still not been personally notified. 

To add insult to injury, they offer one year of credit monitoring, but make me wait another 3 days to enroll ( they gave me an enrollment date of XX/XX/XXXX ). How does one year of credit monitoring help? My full name, social security number, date of birth, and possibly other details will be freely available from now until the end of time, and none of those details are changing anytime soon. There 's no way to scrub that information from the internet, and by now thousands, if not millions of downloads of that data will have taken place. 

I wo n't be surprised if we find that the data was in plain text, as Equifax makes no mention that the data was encrypted, and it would have every reason to publicize that fact if it were true. If they did store them in plaintext, or the passwords to unlock said encrypted files in plaintext, that 's beyond negligent. It 's downright reckless. 

It appears they have not learned their lesson on security. See the below quoted text. 

I am appalled when an organization whose services I use has a data breach, but this is beyond the pale because I did n't volunteer any information at all to Equifax, and yet they stored all these details in an apparently insecure fashion, and the details themselves are so, so, so much more damaging than even a banking website breach would be. At least changing password ( and possible username ) would likely prevent any further damage, but this is damage that is indefinite and immeasurable. 

From this url ( not my words from this point forward ) : https : XXXX " What 's more, the website www.equifaxsecurity2017.com/, which Equifax created to notify people of the breach, is highly problematic for a variety of reasons. It runs on a stock installation XXXX, a content management system that does n't provide the enterprise-grade security required for a site that asks people to provide their last name and all but three digits of their Social Security number. The TLS certificate does n't perform proper revocation checks. Worse still, the domain name is n't registered to Equifax, and its format looks like precisely the kind of thing a criminal operation might use to steal people 's details. It 's no surprise that XXXX-owned Open DNS was blocking access to the site and warning it was a suspected phishing threat. 

Another indications of sloppiness : a username for administering the site has been left in a page that was hosted here. Here 's what it looked like before it was taken down at about XXXX am California time : ''
I made payment for outstanding parking balances owed on XX/XX/2018 through the website XXXX. The amount I paid was {$87.00}. This company just contacted me stating that I owe {$65.00} for parking ticket on XX/XX/18 that was included in amount I paid for {$87.00} on XX/XX/18. When I called to verify this with the company, they were very confused and said in their system it showed that I owe over {$300.00}. This is fraudulent debt and harassment.
Macy 's Credit Card issued a card to an old address and debt incurred was not made by me. After getting odd calls asking for me and then they would ask for customer identification info. When we ask to have a contact # back they gave the following XXXX # 's XXXX, XXXX which are neither Macy 's credit card customer helpline. After inquiring which company, they stated they were Macy 's XXXX XXXX collecting on debt. I contacted Macy 's Credit Card at XXXX and cleared the fraudulent charges with their fraud department. Afterwards, the XXXX continue 's to call every morning.
I 've been for the past few months in contact back and forth with XXXX, Central Financial Control and XXXX XXXX XXXX in reference to my medical bills and with all the disputes gotten no results.. I was told by Central Financial Control and XXXX XXXX XXXX that all I needed to do was send in proof that I had coverage during the time of the hospital visits in XXXX XXXX XXXX and I did so. I Sent them a copy of my XXXX showing that I was covered during that time and was told that that was n't good enough and that I needed to have Illinois XXXX XXXX XXXX XXXX to write them a letter stating that I was covered. When i originally got this form from XXXX  XXXX XXXX XXXX XXXX I was told that this is all I would need and that this would be proof of coverage. Central Financial Control and XXXX XXXX XXXX is telling me this is n't good enough and that i need them to write a letter.
My brother purchased a {$100.00} gift card for my XXXX yo mother and mailed it to me in XXXX. On the XXXX of XXXX 2015 we tried to use the card but it had not been properly activated at the point of sale so I contacted the card issuer ( US Bank, mygiftcardsite.com, XXXX ) website and and told them the problem and they said they would activate the card after I sent them a copy of the front and back of the card along with my contact info. XXXX days later I called the toll free number and used the IVR to see if my card was activated. I discovered that the card was active and had a {$78.00} charge ( at XXXX ) put on it in XXXX California on XXXX XXXX 2015. I live in XXXX and I have the card which I received in a sealed package from my brother. I told them that I did not make the charge and they said the card had been compromised and they said they would disable the card. I asked to be transferred to a supervisor and my call was dropped. I called a XXXX time and to verify that in fact the card had been disabled and again asked to talk to a Supervisor. I was connected to someone who was garbled. I hung up. This all took at least an hour. 
A week later I received an affidavit to sign to dispute the {$78.00} charge. Today ( XXXX XXXX 2015 ) I called to get status. After waiting XXXX minutes in queue, I was told that the card had a XXXX balance. I asked how that could happen because the card was supposedly disabled on XXXX XXXX. The CSR stated that there were XXXX additional charges in California, on XXXX XXXX 2015 at XXXX {$8.00}, on XXXX XXXX at XXXX {$11.00} and XXXX XXXX at XXXX XXXX {$.00}. These charges came after the card was supposedly disabled and I verified that with XXXX different CSR 's on XXXX XXXX. So I had to amend the affidavit and re-fax it to the disputed center which I did today. 
I feel that this company or some of their employees are commiting fraud. I do n't know how anyone in California could have gotten the card info unless someone at the card company gave it to them. The CSR that at the dispute center ( a third party ) stated that this company ( US Bank ) has the most disputes of any of the companies that they service. Her name is XXXX and she can be reached at XXXX. I recommend you call early otherwise you will be on hold for a very long time. 

P.S. the toll free number on the gift card to call for customer service is incorrect. If you go to their website ( XXXX ) it now shows in big red letters the correct number. 

This is the worst company I have ever dealt with. I recommend that people send cash or a check, forget the gift card. At this point my time is wasted on this is worth much more than the {$100.00} gift to my mom. 

Thanks.
Midland Funding has inaccurately reporting on both my XXXX and XXXX credit reports. I never established any contract with this company and they are trying to collect a debt I do n't owe them and they are in violation of the FCRA.
I was given extension or payment relief by XXXX for two months XX/XX/XXXX and XX/XX/XXXX and those payments were adjusted at the end of plan XX/XX/XXXX and XX/XX/XXXX beside relief XXXX XXXX XXXX charged me one month XX/XX/XXXX gave me one month relief and taking two payments at the end of the plan over to this they reported me late payment in the months they gave me relief according to my records they took two payments in XX/XX/XXXX month one on XX/XX/XXXX and second payment on XX/XX/XXXX I reported 6 to 7 times on phone and XXXX not agree to resolve it and credit beauros they also taking XXXX side I am helpless my credit score goes down I started bussiness and need financial help for bussiness but nobody gave me loan for starting bussiness because of my score and it result in hard inquiries over my score I am financially broke and in critical situation I have family these guys playing with me like it doesnt matter for them but it matters for me because I have two sons one wife family to look after but they playing with me continuously now I am filling complain against these two XXXX XXXX XXXX and XXXX  XXXX and Equifax I am attaching reports and documents with complain I need it to get resolve as soon as possible now I am going to file suit against XXXX i have call records when i filed the dispute and many times called them
Approximately XXXX months sgo I paid off in full XXXX mortgage with citimortgage. Last month I received a hardship letter request from citimortgage. My wife called citimortgage and they assured her it was a system glitch and it will be taken care of. Today I recriver from citimortgage a hamp and need to respond by XXXX XXXX or a foreclosure sale date may happen. I called citimort gage extremely upset. Talked to XXXX a floor manager. He too said it was a glitch. The only person to handle it was a operational manager bit refused to give out OM info including last name, phone number, or email. Stating it is against cit mortgage policy to give out such information. Also stated I 'M does not make external calls to customers referenced I 'M does n't have access to customer accounts. Keep in mind our mortgage with Citi is paid off in full! All this frustration XXXX CFPB letters sent to us ... we ca n't get anywhere with coti. Afraid a foreclsure sale date may occur on our account now. Please help!
I moved out of an apartment but the gas bill was not transferred correctly to the new tenant. As I had moved out of state, I received no bill for the months that the service was being billed incorrectly to me. I had no idea that the mistake had occurred for over a year, when I received a call from Source Receivables credit agency notifying me that they were attempting to collect a debt. I initially spoke with XXXX ( employee ID unknown ), who told me that if I paid in full that day the issue would not impact my credit, but that if I chose to wait and dispute the claim with the gas company it might negatively impact my credit. I chose to pay the claim in full to avoid potential consequences to my credit. I left the call feeling as though this was a positive encounter. 

A few months later, I came to learn that the claim was still showing up on my credit report despite my having paid it in full, and that it was negatively impacting my middle credit score. This was surprising to me, as I had been told by Source Receivables staff that the claim would have no impact on my credit if paid in full that day. At the urging of a financial adviser, I called company and asked them to remove the record as the account had been paid in full. The original person I spoke with, XXXX, transferred me to her supervisor, XXXX ( Employee ID # XXXX ). XXXX was extremely rude and aggressive on the phone and told me that he would not remove the claim under any circumstances. When I asked for more information about what would be needed to have this record removed, he would not provide me with more information. When I asked to speak with his supervisor, XXXX refused. When I inquired about the company 's grievance process, XXXX refused to provide information about this process. 

I feel as though was lied to by Source Receivables staff about how this information would impact my credit, and then was denied access to critical information about how to file a grievance against lying, rude, and aggressive employees.
I attempted a transfer from GE Capital Bank to another financial institution on Saturday, XXXX XXXX, 2015. I received a confirmation and GE Capital failed to contact me on Monday, XXXX XXXX, 2015, to inform me of an unsuccessful transfer. This failed transfer caused a check made out to the IRS to be returned for insufficient funds. The IRS penalized me 2 % on the amount due and 3 % interest. 
I received the attached letter from GE Capital acknowledging their error. The person writing the letter XXXX XXXX, Compliance Dept, XXXX UT Tele : XXXX.
HIPAA VIOLATION / CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EXPERIAN CREDIT REPORT.
Attempted to collect wrong amount. I never had the services for the above said amount {$73.00} from XXXX XXXX XXXX and it is misleading me by having in collection folder makes uncomfortable. Please help me It was removed from collection, again inserted. 
Because of this my credit score has been drastically gone down. Please help me asap.
An old debt from XXXX ( now XXXX ) was settled with XXXX XXXX XXXX ( XXXX ) for {$880.00}. First National Collection Bureau resurrected the claim using different account numbers. I paid First National {$730.00}, until I realized it was the same old claim.
I was severely overcharged with this loan, and have been told I can get the PRIVATE COLLEGE loans forgiven, since I was attending when they were forced to close. Since they closed I no longer have access to the hiring office which was why I went there in the first place. 

I have yet to get a job in this industry and I am unemployed and XXXX years old with XXXX billing me XXXX $ in loans and fees. Some classes billed two and three times. 

please let me know how I can get help. 

Thank you, XXXX XXXX
I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the C.L.U.E . report and other furnished Lexis Nexis regrading all personal information of mine.

This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.

My information is clearly shown below :
XX/XX/XXXX, the bank was instructed not to honor any ACH debits from XXXX XXXX. There were some issues that were eventually resolved after a complaint was filed. 
However, the problem has happened again. 
On XX/XX/XXXX the bank honored 2 ACH debits from XXXX XXXX. I called numerous times with no results : XX/XX/XXXX - Was told the would be credited within 48 hours. They were not. 
XXXX/XXXX/XXXX - XXXX stated she would research it and call me back. She did not call back. 
XX/XX/XXXX - Spoke to XXXX. She told me the ACH instructions had expired, and I would have to fill out new forms, which would be sent to me within 10 days. Once I returned the signed forms, the bank would respond within 45 days. 
The ACH did not expire, as there was subsequent ACH charges that were allowed and then credited back to my account. 
I believe i was lied to and decided to reopen the complaint.
This complaint is a continuation of Complaint # XXXX which was filed in XXXX 2017. XXXX XXXX has still not adjusted my account to reflect the erroneous addition of $ XXXX to the principal balance of my loans due to errors in their paperwork processing which resulted in my loan not being enrolled in income based repayment plans for short periods of time. I am being charged interest on top of this additional {$20000.00}, and nothing is being done to correct the matter despite numerous letters, phone calls, and e-mails to XXXX XXXX XXXX. All I receive are apologies but no corrective actions.
I 've been using the app Activehours for payday loans, never given me problems til now. You can only get {$100.00} a day and my max for my pay period is {$450.00}. I have a bank statement showing that they deposited {$300.00} in my account in one day which is impossible because you can get {$100.00} a day and I did n't ask for the loan nor did I even use it and they are going to take almost {$500.00} out my account for something that I did n't ask for. I sent them an email still waiting on a response
US Bank Visa Cash Rewards Credit Card The above card was automatically issued to me after US Bank acquired Citizens Financial Group. I had no interest in this card in the first place and as a result NEVER used it. I opted out of paper statements, as I thought it was wasteful constantly receive monthly statements showing a {$0.00} balance. XX/XX/2016 I received a notice from US Bank that my account had a small balance and was past due. I opened a fraud investigation and the findings were clear - this was a fraudulent charge. US Bank reversed the late fees and closed the fraud claim. I was assured that the late payment would not be reported to the credit bureaus since the one and only late payment was associated with a fraudulent charge. US Bank DID report this late payment, despite what they said, and my credit score dropped from a rating of excellent to the the low side of good. The fraud department at US Bank dropped the ball and now I 'm being told that onus is on me to open disputes with the credit bureaus. I will dispute the late payment blemish on my credit report, but this is completely UNACCEPTABLE. US Bank should be held responsible for their error and they should be working to reverse this late payment ding instead of putting the burden on the consumer.
Recently Equifax experienced a data breach and according to their records, my personal information was compromised. They are providing some services but the disclaimer attached to those services requires that I sign away my rights to involvement in any legal action that might be taken against them in the event that I suffer a lose or damage and would attempt to exercise my legal rights against them. I feel that this is not an appropriate action to take against consumers who have been harmed by Equifax 's failure to protect consumers ' information. 
Thank you.
I have a series of complaints with Wells fargo. 1 I was sold a 10/1 arm mortgage under false pretense. I was approved for a 30yr fixed but was pushed into a loan with bad information, 2 When I was in a small finance hic cup in XX/XX/2014 this came to light so I reached out to Wells fargo for help. The bank steering me in to a HAMP program. # 1 A HAMP program in a MBS. Mortgage Backed security. the lender was WELLS FARGO so they proceed Sent me 7 Home preservation packets thru 5 different agencies all over the country The security was owned By Wells Fargo, They purposely held back this information. not only from the home Presorvation but also the Vice presidents department as well. Sent overwhelming letters that was contradictory to each other SO This put me into a program that has a 100 % Failure rate lead to a forclose., tried to vacate my home, as well as my tenant 's was an attempt to financially sink me Then Maintained this HAMP process for over a year, assuring me success Denied my Loan Mod put me in court under duress and charged me exorbitant fees on the back end of my Mortgage because I had equity.