WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing this letter to voice my frustration and disappointed with the way Equifax ( and likely other ) financial and credit institutions protect our personal information. I was one of the tens of millions of individuals who were affected by the Equifax data breach. At the outset, three items are incomprehensible to me 1. Why is it not the case that ALL personal credit file is locked by default, and when an individual wishes to initiate a transaction that requires credit, the individual unlocks their credit file to allow the transaction to proceed, and then relocks the credit file upon completion. 

2. Why is it not the case that ALL personal credit information is encrypted when stored? Were this the case, a data breach would leave the bad guys with a lot of useless bits. 

3. Why is it that I have two-step authentication in place for all my personal finances and online data, and yet NO United States credit cards require two-step authentication to complete a transaction. 

Specifically with respect to the data breach at Equifax, my experience with them has been horrendous and a colossal frustration and waste of time. Three weeks after the publicly admitted breach, as advised, I performed step one of inquiring with Equifax as to whether I was affected by the data breach. I was informed that I was, and that I would be offered Trusted Id Premier and would be sent a link to enroll in two or three days. The link did not arrive for eight days. I used the link to enroll in Trusted ID Premier and midway through the enrollment process, their servers dropped my session, and I was told that I had to call a number at Equifax to complete my enrollment. I called that number ( after waiting on hold for 15 minutes ) and finally spoke to an Equifax representative. He informed me that I needed to speak to a supervisor and he gave me the phone number to call ( rather than connecting me directly ). I called that number and after waiting on hold for 30 minutes more, I was told that I had to speak to someone at Trusted ID. I spent two hours last night trying to call Trusted ID Premier, getting a mix of busy signals, or ringing through to be placed on hold and then later having the line dropped while on hold. I continued that until I finally got the message that I was no longer calling during regular business hours and that I needed to call back the next day. The next day, I rang through to an answering machine on my first try, and have now been on hold for 1 hour, 58 minutes, 52 seconds, and still counting. 
Even when, if, I do get connected, I do not have the confidence that my personal information is any more secure today than it was when the last breach occurred, or that any of the credit bureaus have either the motivation or ability to securely handle the personal information with which they have been entrusted.
After speaking with the XXXX XXXX and being advised that they did not give Transunion permission to list this item in my credit report under public records, I have submitted multiple requests to Transunion requestion that XXXX # XXXX be removed from my credit and have been unsuccessful in doing so.
I received a call from my son today ( XX/XX/18 ), who lives in a different state and has no ties to my finances, asking why he was receiving a phone call about an {$800.00} debt I owed! XXXX XXXX XXXX uses a taped calling program that states " if you aren't _______ then please hang up. '' But most people are curious and will go on and listen anyway. This call released information that they were trying to collect a debt of {$800.00} and then proceeded to give information on how to pay it. 
This is NOT the way debt collectors should be allowed to communicate with those who owe a debt. This is wrong in every sense. I understand I owe the debt, but I do not have a job and was in a horrific accident months ago that has rendered me unemployable at the time. I do not expect ANYONE to contact people with information that can be damaging to them. This is just wrong that this company, or any company can release information about others under the notion they are doing it legally. This is embarrassing, harmful and can have devastating effects for consumers.
Wells Fargo gave me the option to not pay two months of my mortgage because of the hurricane that hit Florida in XXXX. They said they would modify my loan putting those payments at the end of the loan. In XXXX they sent me papers to sign but my father was still listed even though I told him that he passed. I had to bring in his death certificate in so they could take him off. Me and my father bought our house together with the right to survivor clause with my mother signing away any rights to the house if he passed. This was done at the closing. When they sent me new papers to sign they put my mother on the mortgage making her financially responsible for the house. They did this on their own without any permission. I called and asked why they put my mother on and they said that when one spouse dies the law in Florida says that they assume his debt. I was told to get a quick claim deed and file with court house and send them a copy and they would take her name off. I did go and was told that my mother is not on the deed and you cant take someone off if their not on the deed. I went there to verify that she was not on anything relating to the house. I reached out to the bank and they put me in touch with their executive office after I said I was going to consult an attorney. That was in XXXX and still nothing has been resolved and to make matters worse they are charging me delinquent charges over {$4000.00}. They said it will go away once me and my mother sign the papers. I am current on my payments never being late. It is like they are forcing me to put my mother on the mortgage. I talked to them on XX/XX/XXXX and was told that they are working on my case they never reach out to me except letters telling me about my delinquent charges.
I had a XXXX and went to XXXX. They had created fraudulent charges to my Insurance company and when the insurance did n't pay them they came after me. I gave them an opportunity to correct the billing and they failed to do so. I have reported them to XXXX different agencies. On XXXX XXXX, 2015, I faxed a letter to Capitol Accounts ( the collection agency my account got sent to XXXX. I then followed up with a phone call on XXXX, XXXX, 2015 with XXXX XXXX. I acknowledged they received the letter and was very rude and said he was going to report tyhis debt to credit agencies and it would effect my credit unless I paid that day. I told him it was under dispute and he insisted he was sending to the reporting agencies. Today, XXXX XXXX, 2015, he called on my cell phone. I immediately advised him that was not supposed to be calling me per my letter. He violated the Fair Debt Collection Practices Act. I would like XXXX XXXX along with his company to be cited and repremanded.
I tried to use my debit card at an ATM on XX/XX/XXXX so that I could pay for lunch for my family. For some reason, this locked my ATM card. I spent an hour on the phone trying to get a hold of a Fraud Specialist but I never got through. I have sent emails and tried multiple times since XX/XX/XXXX Sunday to reach a representative but have never gotten past the 'hold music ' -- I have also not received a response email from XXXXXXXXXXXX - which is the email they suggested I use. I need my card unlocked. Bank of America has a flawed system!
the bank withdraw funds from my account but did not provided any information or description to me about the withdrawal. the statement shows withdrawal but i never withdraw those funds. second transaction shows online dispute but i have not received any information regarding any dispute. bank failed to protect my funds and provided no documents regarding any disputes and withdrawals. 

XX/XX/XXXX Withdrawal XXXX XX/XX/XXXX Reverse Credit Due To Online Dispute XXXX
On  XX/XX/XXXX  I had obtained a business loan from First National Bank of Pennsylvania.  XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  for  XXXX . I had fallen behind in  XXXX  of  XXXX , In  XXXX  I had caught  all 3 payments up to date, unknowingly that First national Bank filed a confession of Judgment, They had promised to remove the judgment and we paid half of the la te fees and attorneys fees. with no notice The loan was sold to a    XXXX   XXXX   XXXX   XXXX   ,   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  Texas  XXXX . I did not find this sale out until  XXXX   XXXX   XXXX , Balance of {$86000.00} when i had received a certified letter at that time we had constantly made arrangements to the payoff of our loan and another loan we were making payments on from a  XXXX   XXXX   XXXX  from another party that they were refusing to give a payoff on, after inflating our loans fees beyond our agreed contract amounts. We were forced for pay {$100000.00} on  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX , A   XXXX   XXXX    serviced the loan Providing false payoffs & he did not relea se  XXXX  filing until   XXXX   XXXX   and have not returned ou  r  XXXX  truck title s that were collateral for the paid off loan that they knew our bank needed for our closing they purposely stretched this loan out past our commitment letter date with our bank and their Attorney  XXXX   XXXX   Made false ma de damaging accusations to our new financial institution to extort us for additional funds.  XXXX  replied to our attorneys request for titles and stated first national bank had lost them and all  XXXX   XXXX   XXXX   XXXX , was copies and if we wanted the titled we would have to pay for them too them to get them and any fees associated. An absolute breach of contract documents we signed and were extorted over above. the loan was paid off 4 month early.     With respect to the titles,  XXXX  never had original vehicle titles, FNB misplaced them and all  XXXX  has is copies of the titles. There are costs associated with title replacements and as far as  XXXX  is concerned, tha t is   XXXX   XXXX   expens e if they want the paper titles.      XXXX   XXXX   XXXX ,  XXXX .      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  Phone :  XXXX  | Fax :  XXXX   vCard | Bio |  Website
On Monday XX/XX/XXXX at XXXX I received a phone call from XXXX, after saying Hello several times and hearing someone in the background, then hung up. I called the number back and it was confirmed to by EOS CCA. On Wednesday XX/XX/XXXX they called again at XXXX, I gave the collector a verbal cease and desist, he paused then told told me 3 times he has no idea what I am talking about and hung up on me. On XX/XX/XXXX at XXXX I received another call from EOS CCA, I immediately asked for a manager and was transferred to XXXX XXXX  and told about about the verbal C&D, he also verified calls are recorded. He then proceeded with since we are talking already, can you discuss your account....I told him no and ended the phone call with another C&D.
On XXXX 2013, a guy approached my husband at the hospital waiting room meanwhile I was at the XXXX room, convinced him of this equipment rental for my post-XXXX recovery, got my credit card and personal information from my husband and disappeared. Stressed as my husband was waiting for the outcome of my XXXX, he thought that this guy belonged to the hospital personnel and he was n't we found out later. 
The rented Item was never delivered to my house, being an equipment rental, if it would had been delivered to my house, they would have had to pick it up as well. The pickup never happened because the item was never delivered. 
Since the item was charged into my credit card by XXXX XXXX, I called XXXX XXXX Credit Cards and told them that I never received the item. After a thorough investigation XXXX XXXX removed the charge from my credit card account. 
A year later or more, I received a call from a Collection Agency, XXXX XXXX XXXX XXXX, trying to get money from me that I never owed. According to this Collection Agency, the debt to a XXXX XXXX XXXX. I told XXXX XXXX XXXX, what happened again, that the item was never delivered to me. 
I also expressed to the Collection Agency, that if they had bought a debt that never existed from XXXX XXXX, they were supposed to take it against XXXX XXXX and not harass and yell at me, like they were doing every time I answered the telephone. 
I just learned from XXXX and Equifax Credit Report Agencies, the complete name of this Collection Agency that was calling me since I had a hard time trying to get their name because whenever I answered the telephone to them, they were always shouting at me and trying to intimidate me to make me pay for something that I did not owe, and do not owe. 
According to the Credit Report Agency XXXX, this Collection Agency has LEGALLY CERTIFIED that the debt belongs to me and that I did not pay it. 
My question is, how can a company LEGALLY CERTIFIES something that is not true. Moreover, try to hurt my Credit Record where I have always kept an average score of XXXX or more, since I do not like to owe, and I pay all my accounts in time. 
Based on what criteria Credit Report Agencies, believe Collections Agency statements over customers statements that have never had a collection, and have never paid late. 
Why not asking for trustworthy proof before placing a collection in my account. By not requesting proof or support for their allegations, before publishing something that hurt my name and my records, the Credit Report Agencies become accomplice of these type of unscrupulous Collection Agencies.
The same way that we might have not received approval for a credit card or a loan, based on this false information published, there should be a penalty for the Credit Report Agencies and for these Collection Agencies for giving false information to vendors or providers.
Thank you very much for your prompt attention to this matter, and looking forward to hear from you soon since I consider these false accusations in my credit reports to be damaging my image and my reputation.
Navient Solutions ( fka XXXX XXXX XXXX, as the servicing lender for my Direct Loan consolidation, has repeatedly failed to recognize and implement XXXX protections on my account in accordance with 50 USC 3937. Requests and notifications have been made to Navient in XXXX, XXXX, and XXXX and Navient continues to violate the XXXX. I am attaching the most recent complaint to Navient ( XXXX ) and their denial for reference.
I have a satisfied judgement showing on my report from Equifax. It was included in a bankruptcy filing and has been satisfied. XXXX and XXXX have already removed the judgement from my credit reports but Equifax continues to report it. I respectfully request it be removed from my Equifax report as it has been satisfied due to being included in bankruptcy.
I am in the process of buying a home and the lender, XXXX XXXX, notified me that there was an issue with an item on my credit report involving Navient/XXXX XXXX. In the explanation to XXXX, I advised that I co-signed for a loan for my son back in XXXX with XXXX XXXX. My son graduated in XXXX. 
At that time, he began sending XXXX XXXX money, even though XXXX XXXX had not sent him any paperwork or statement regarding the payback amount. He called and called and called and kept being referred to different people who would say they ca n't find the account, you need to talk to so and so, and would get this same response with each person he talked to. 
He has continued to send them money since XXXX, of which we can produce copies of his bank statements showing the payments. Navient/XXXX XXXX charged off this loan in XXXX, which is now on my credit report and his. 
At no time did NavientXXXX XXXX contact him or me. They have not verbally or in any written form inquired/requested payments, inquired about no payments being received, nor did they notify either one of us by any verbal or written documentation that the loan was being charged off back in XXXX, however they continue to accept his payments. Additionally, after looking at the credit report from XXXX, I see that they have continued to add interest to the loan. If the loan has been charged off, how can they continue to accrue the interest. This is definitely bad faith practice. Because of this being on my report, and where I am trying to get a USDA loan for the purchase of a home, this issue very well may prevent that.
We turned in the XXXX XXXX XXXX a week early on XX/XX/2018. At the time of returning the vehicle, we forgot the 2nd key to be returned. We were told to bring it back as soon as we could with no deadline outlined or fee discussed. We returned the key some time in the middle of XXXX and yet were sent a bill for the disposition fee, exterior damage ( which did not exist and has since been waived ), and a lost key. XXXX XXXX told us to have the dealer email XXXX to confirm the key had been turned in. They did so. Upon calling back in 6 days after that email to confirm that the account was all paid and resolved, they claimed to have not received the email ( which I can provide ). They then claimed that they could not ask the dealer for money and that somebody needs to pay them for this key, me or the dealer. I've done what was asked of me, and yet they continue to move the goalposts to demand payment despite our completion of our obligations and following of the dealer 's and their instructions to closeout the lease.
I had to ask Equifax to remove this debt from XXXX XXXX and follow suit of XXXX and XXXX. XXXX  and XXXX both have researched these claims and was unable to " validate '' this debt, Equifax is saying that the debt was " verified ''. I'm asking how were they able to validate this debt when the other two was not. They only send me a letter saying it was " verified '' not " validated ''. 

XXXX XXXX Acc # XXXX {$1000.00} Acc # XXXX {$61.00}
I used the Wells Fargo go for rewards program for the first time in the middle of XX/XX/2018. After arriving at the website on my mobile device I found charities that I wanted to contribute too. By mistake I clicked on continuously new order. I began getting more cards than what I thought I should get. I called Wells Fargo and they looked into my account and saw that I clicked on continuously new order. After hearing this I told the Wells Fargo representative I wanted that changed and a stop to the cards. That has not happened and I have since then called Wells Fargo again voicing my complaint and the cards kept coming as soon as todays date.I want the cards stopped and points used as of XX/XX/2018 returned to my rewards program account.
Credit card error the card is reported as a closed account i have been disputing the status since  XXXX  and contacted the card co. As well as all  XXXX  credit bureaus and still can not get Equifax to correct the status of the account the account is  XXXX   XXXX    XXXX   an Open account and paid on time and its being reported as closed with no payment since  XXXX  please help
Receivables Performance Management placed a negative report to all three collection bureaus for a past due XXXX XXXX XXXX account that does n't even belong to me. They never tried to contact me in advance through mail or telephone. I have contacted XXXX XXXX XXXX and they confirmed that I do not owe this money and never had any infractions with them in the past. In fact, I am still a customer in good standing with them under a completely different account number. I called this XXXX party agency and they could n't give me straight answers. I mistakenly gave them my birthday for confirmation but when asked for my address or last XXXX of social security, I asked what they had on file and it was incorrect. This has scam written all over it.
There are inquiries of my consumer report that were deleted & reinserted. XXXX XXXX XXXX, XXXX, XXXX & XXXX XXXX & XXXX XXXX. XXXX Bank XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
XXXX XXXX XXXX and Accounts retrievable systems, Inc are continuing to threaten to garnish my accounts on a fraudulent Judgement. 
I received a letter in XX/XX/XXXX from XXXX XXXX XXXX demanding payment on a Judgement that I did n't even know existed, I had no knowledge of this Judgment, and XXXX with XXXX XXXX XXXX was the one to send me the letter. I contacted XXXX to find out more information ; it was then that he informed me that there was a judgment against me in California in XX/XX/XXXX. I explained to him this was the first time I was informed and asked who the company was that was claiming this debt against me, I explained to XXXX that I never had knowledge of this claim since it was never on my credit report nor had I received any letters to give me an opportunity to dispute the debt as I learned after calling and speaking with XXXX XXXX to get more information, It was then that I learned that this credit card debt they were claiming I owed was in fact a fraudulent account and this was not my debt. XXXX XXXX told me they had no records nor any contracts for this claimed debt signed by me, XXXX XXXX informed me they sold the fraudulent account to Accounts retrievable, Inc. 
XXXX XXXX XXXX continues to ignore that fact that, this is a fraudulent claim and continues to threaten Garnishments and demanding payment. 
Recap, a fraudulent credit card debt placed for a judgement in XX/XX/XXXX, I was NEVER notified to be given the chance to dispute, account was never opened or signed any contracts by me. 
XXXX XXXX XXXX ignore this and continue to threaten garnishment.
I found out, on XXXX/XXXX/XXXX upon entering the bank because the my App on XXXX would not update and an account ( which a bank rep told me to close over 5 years ago because of costly fees for transfers to pay down my HELOC was costing too much money to transfer in fees?! ) There was an overdraft of {$8.00} on an account I thought the Fraud Department should have noticed as I never used because I thought the bank Representative closed it??? I was shown my account on the computer & I saw {$2300.00} ++ {$100.00} 's a day transferred into my checking account but suddenly It disappeared AGAIN which I NEVER SAW BEFORE THEN? I called mobile phone # & lady said, " ... the check was from a XXXX XXXX claim you made for water and sewage damage.. '' I did NOT make any such claim?! I sat in the XXXX XXXX 's office to see if they got any reports they settled on my behalf for which I received settlement check on XXXX XXXX or anything in XXXX!? ... after over an hour the lady saw NO such claim as I knew. I apparently have a hacker or something because there are many fraudulent charges i.e. I do NOT go to XXXX every on the day PLUS NEVER MORE THAN ONCE a day ( may be on a few occasions 2 times ) The hackr is still using my information and me stopped using my card except when absolutely necessary. I reported it to the XXXX police and the bank 's reps and fraud department and it has been since XXXX and ongoing ... The bank DID acknowledge and in XXXX refunded me {$78.00} but the rep who said he closed the account yelled at me ( causing the guard to check if I was OK ) because he said, " ... I hate myself sometimes ... '' I never gave my PIN # out and never give it away and it was not stolen. He DID cancel over 5 cards and purchases were even made while I was en route to the airport on XXXX XXXX, XXXX. I informed everyone that all I could think of that in XXXX, I trusted my daughter 's boyfriend to fix my crashed desktop and my daughter thought he could fix but after a week and alll my information up to his 56 '' screen when I brought it home it was still crashed?! Aso, someone stole ( more recently ) my XXXX XXXX, on XXXX XXXX, XXXX and I went to proper authorities for 2 bank accounts that somehow withdrew money from one account in excess of {$15000.00} it has been way too long to put it back in the bank. Am I ever going to get my {$18000.00} and {$5000.00} from separate banks -- back?! I have worked long and hard but I have been told I will never get it back ( by some business people ) ... I made the mistake of trusting the bank and not balancing my checking accounts as I once did and should never have let anyone have access to steal my phone - the hand is quicker than the eye- I learned!!! Please help ...