WillisBack/dataset-financial-user-claim huggingface dataset:
I learned about the Equifax security breach and went on their web site and entered my information. it says i am one of the millions whose information was involved. it then asked if i would like free credit monitoring services for a year. I said that i would lime that. 
now i am reading that if in fact i end up with financial problems or identity theft due to the breach that i have waived my recourse against equifax merely by agreeing to accept this offered service. 
I believe this is fraud and tbey fraudulently got me to waive my rights to sue re : any future damages or losses by offering a free service.
I sold my house to pay off over $ 60K in loans with Navient. I sat in XXXX  XXXX XXXX XXXX office and spoke to someone from Navient to get the payoff. They refused to fax me the amount so I had something in writing and would only verbally give me a payoff. XXXX XXXXXXXX XXXX sent the payoff check to Navient. Not once in my 45 minute conversation with the gentleman from Navient did he disclose that the payoff needed to be sent to two different addresses. They applied the entire balance to one of the loans and left the other two loans outstanding. I logged into my account a week later and saw a negative $ XXXX balance on the one loan and the others outstanding still. When I called the Navient employee told me the payment would be applied to the other loans but that it could take up to two weeks. She assured me that the interest that accrued in the meantime would be adjusted. Today I log in and there is a remaining balance of {$100.00}. Had I not logged in and seen this I supposed they would have just kept accruing interest on that balance and before long I'd have owed a XXXX again!!! This criminal company is already in trouble for bad business practices!!! When I called today I was told they can not adjust the balance. I said they why did you LIE to me and say that it would be taken care of? Why would I pay off over $ 60K in student loans except for {$100.00}?? They are CROOKS!!!
The caller identified herself as XXXX XXXX and said the call was an attempt to collect a debt. Since it was a recorded call I could not get someone to take us off their list. All my credit is current and I have no debt owed that is not current. The phone number these people are using is XXXX.
I have had a credit card that has been transferred through different banks as they were bought out. I have had this card for nearly 20 years. It has a variable interest rate tied to the prime rate with no annual fees. Chase now has my account. When they bought out the account they tried to add an annual fee. I said no and they agreed. Now they want to add a {$98.00} annual fee. I tried talking to them, but they said that due to the fact that the interest rate on this card is so low that they need to add an annual fee.
Capital one is reporting that my Auto Loan for a XXXX XXXX XXXX  was late in the months of XXXX, XXXX, and XXXX of 2017. I have disputed this multiple times and this inaccurate information still remains on my credit report.
BBVA Compass froze my BBVA Compass XXXX XXXX XXXX credit card account in XXXX XXXX and closed it a few weeks later. I had a - {$500.00} ( a negative balance ) on my BBVA Compass XXXX XXXX XXXX credit card account that I tried a few times to request a balance refund check for that amount, but customer service never managed to process the check because they explained to me that my account is now in a special department, and they need to process and approve issuance of the check. I could never contact the mysterious special department and was not issued a balance refund check. So the negative balance was sitting in my account for a while, until XXXX XXXX, XXXX when a mysterious charge posted to my account for the exact amount of {$500.00}, making the balance of my account {$0.00} and essentially seizing all the money that belonged to me. I contacted BBVA Compass several times inquiring about the transaction and nobody could explain to me why a transaction posted to my account in XXXX XXXX, XXXX, and whether and when they are going to send me a balance refund check for the negative {$500.00} I had in my account. I have attached a statement for XXXX XXXX, XXXX XXXX, XXXX period which shows there was a negative {$500.00} balance on my account ( meaning the bank owing me that amount ). I have also attached summary of details of transaction that posted to my account in XXXX XXXX, XXXX seizing the negative balance from my account. 
I demand BBVA Compass to send me balance refund check for {$500.00} which is the amount they owe me because of the negative balance on my credit card.
To Whom It May Concern, This letter is regarding an inaccuracy in my credit reporting. 
Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX on XX/XX/XXXX ) 2. ( XXXX on XX/XX/XXXX ) 3. ( XXXX  on XX/XX/XXXX, XX/XX/XXXX ) 4. XXXX on XX/XX/XXXX, XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEAR ON MY EQUIFAX CREDIT REPORT. 

FTC ID THEFT REPORT # XXXX XXXX REPORT # XXXX ( HPD )
Bank of America Home Loan Servicing transferred servicing of my loan XXXX with a XXXX balance to XXXX 
After receipt of the transfer, XXXX claimed the loan was more than {$80000.00} past due. I have been disputing this debt since the alleged transfer. 

Bank of America in the capacity as servicer for the XXXX executed a trustee 's deed on XXXX XXXX, XXXX memorializing a completed foreclosure sale. 

I 've been litigating with Bank of America and XXXX since XXXX XXXX, XXXX. The lawsuit is currently pending in the XXXX XXXX XXXX XXXX XXXX. 

On XXXX XXXX, XXXX, two years after the completed foreclosure sale, the trustee recorded a document entitled " Rescission of Substitute Trustee 's Sale and Cancellation of Substitute Trustee 's Deed ''. THIS DOCUMENT DID NOT REINSTATE THE LOAN. I HAVE NOT EXECUTED ANY AGREEMENTS TO REINSTATE THE LOAN. 

There had not been any collection activity on the loan between XXXX XXXX, XXXX ( foreclosure sale date ) and XXXX XXXX ( the date of transfer to XXXX ).
We believe to have been victims of predatory, discriminatory and almost fraudulent treatment from Wells Fargo on a loan we received for {$89.00}, XXXX in XX/XX/XXXX. To start it was not a lone we asked for, but one they called on to offer, as we were excellent customers with a great record, once we accepted the loan the bank officer only wanted to work with my wife because " the paperwork was easier ''. She put her down as XXXX when she is not. When we suffered a catastrophic financial situation and told in XX/XX/XXXX with the aim of getting help with the mortgage, we started a nightmare process with them that has lasted 8 years and continues. They said they wanted to help, but their actions show that is not the case. All they have been interested in is finding ways, of dubious almost fraudulent nature to increase their fees and other charges. They did n't tell us for years their investor did n't participate in the Home Affordable programs and when documents for a workout it was under this program. In XX/XX/XXXX they asked us to return some pages of a Loan Modification document, where we had questions so they could review it before we signed it, but they never called back. When we finally reached them, they told us we were no longer considered as we had rejected their offer. ( False ) They dragged it on for months, when they sent another " offer '' its was way more expensive. We explained everything to a supervisor, she investigated and found the bank had mishandled the account, offered to rework the documents as she wanted to help. We never heard back from her, No explanation ever given. All years after always offering under the Home Affordable program when they knew it would work. Their offers keep getting more expensive to their benefit. If they did n't want to help we would have done something else with the property earlier. Its a property we bought in XX/XX/XXXX. We were forced to file Chapter XXXX, to save the property and se if we could get a workout, this before we knew the investor did not participate in the program. While in Chapter XXXX one of their lawyers files a false claim charging that we had n't made any payments, with the aim it seems of getting the Court protection lifted, so they could go after the property. And on and on. I can go for ever its been 8 years of dealing with a most dishonest institution. They have never explained properly what type of loan they gave us. certainly not one for excellent customers as we were. All we ask is that they lower the interest from almost 7 percent and transfer the outstanding balance to the end of the loan.
I have disputed this account with the credit bureaus before and the account always came back verified. Around XXXX XXXX, 2016 I sent a letter to NCC Business services requesting validation of the debt. As of today, they have not responded. I sent a dispute in to the credit bureaus on XXXX XXXX, 2016 stating the fact that they have not responded. The results came back as the account was verified. How is it that NCC verified the account with the credit bureaus when they did not comply to my request for validation? This is a clear violation of my rights as a consumer. I also recently found out that NCC has been sending notices to my ex wife requesting payment for the debt. Again, how are they continuing collection activities when they have not responded to my request for validation. I never received notice from NCC within the first 5 days of them acquiring the account and they have not ceased collection efforts which is a violation of FDCPA 1682G. 

They are also reporting this account incorrectly. On my most recent credit report the status says that there is a past due balance of {$520.00} but it also says there 's a balance of {$220.00}. If they ca n't even report the balance correctly and they are n't willing to show me proof of the debt, how I am to believe that they know what is really going on with this account and that I owe them?
My wife was charged monthly for four months for a rewards program that she did not sign up for and was not even aware of. I pay the bill and the charges were from a company she occasionally orders from, so I did n't notice. When she started to get a subscription to XXXX XXXX, she called and learned that she had been automatically signed up as part of this program. I have submitted a dispute with my credit card company and I expect it will be resolved, but I 'm wondering how these vendors can get away with what must clearly be an illegal practice. The company ( as listed on my credit card statement ) is XXXX MD XXXX. Friends have mentioned something similar happening to them. Can this be stopped?
EQUIFAX credit bureau was hacked during XXXX XXXX and this information was not made public until XXXX XXXX. The companies solution to this problem was to offer free credit monitoring services to the 143 million individuals that were possibly hacked and to anyone else for a period of one year. The problem is that after that 365/66 day period, you would start being billed for the service if you did not contact them 30 days prior to the service expiring. Additionally, if you take advantage of this free service, you preclude yourself from being a member of any class action suit that may result from this breech. Basically, the company will end up making money out of this and after a year of their free service, your information will still be out there forcing you to partake of the services of their company or one like them. This is a lose, lose situation for the consumer and government needs to step in and do something about it.
I have looked upon this debt owed and it is aaying with credit report that their is nothing currently owed.
Core issue : Deceptive Business Practices This company and the underlying banks are systematically doing the following : DeFrauding Consumers by False Advertising, Unclear & Ambiguios Terms Receiving Ill gotten gains by falsely comparing their loans to federal loans with obviously better terms then suing the Victims Material Misrepresentation of Deferal & Forebearance terms Predatory lending on 1st time borrowers & minorities Violation of Private, Commercial & Consumer Law through a complex layering of entities and purposely confusing lack of clear scope of regulation
We purchased a home in XXXX XXXX NY in 2006. When we purchased the home the old owners new/ refinance mortgage was 6 months old after moving from XXXX XXXX ( who is now out of business ) to Chase. We are now in the process of trying to sell the home and close. The new title search company is showing that the house still has an outstanding mortgage because XXXX funding apparently failed to file discharge papers with the county clerk. Our lawyer who is doing the closing states that when the loan was paid, it wasnt assigned or acquired by whoever took over the accounts from XXXX lender because there was nothing to get. We are being told that because of all the fraud in the past that we are required to give {$10000.00} to put in escrow before we close. This money will only be used if legal actions are needed to find the missing information. I am not sure why we need to do this since we did a title search when we closed in 2006.
I have already submitted complaints about my credit scores dropping for no good reason to transunion and XXXX. My reports clearly show that my payments are 100 % on time with no derogatory marks. This is a form of corruption that has to stop with these reporting agencies. are they working in cahoots with the insurance companies to make you pay higher premiums? It is good to know that president trump has gotten rid of your former CEO. He was no help with these issues at all. I will file a law suit against XXXX and transuion if they do not put my credit scores back to where they belong.
Account " XXXX XXXX '' is not my account and I have no knowledge of this account. I have requested from the credit bureau on several occasions to provide me with their method of investigation and provide me proof that this is my account. All the credit bureau do is send me a letter stating " verified '' without any proof that the account belongs to me.
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is  among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
I withdrew {$4500.00} cash from my checking acct. two hours later I get a call from the bank teller asking me if I have the withdrawl firm that I signed in front of the teller to withdraw the money. I answered no and laughed. The next morning I checked my acct. online. My {$4500.00}. withdrawl was debited from my acct. the withdrawl slip was copied into the summary. It was the one signed by me. In addition there was a XXXX withdrawl made on my acct. for an additional {$4500.00} dollars, with a withdrawl slip signed by the teller. An additional {$4500.00}. was debited to my acct. giving me a negative balance. The late fees and charges started almost immediately. The next morning I was at the bank when they opened the doors. I asked to speak with the mgr. I was asked to have a seat as the mgr. called the teller supervisor to talk with me about " the incident '', so they were obviously aware that something had happened with my acct. I was told that the teller shredded my withdrawl slip, this was not true, there is a scanned copy in my online acct. The teller then made up a XXXX slip and signed it, then debited my acct a XXXX time. The Mgr and the Supervisor both admitted knowing this but did nothing about the additional money being taken out of my acct. I asked if being off balance by {$4500.00} at the end of the day was just normal practice and was greeted by blank stares. They agreed to put the {$4500.00} back into my acct and would cover all fees charged to me by their bank but could do nothing about fees charged me by the " other end '' ie all the bounced checks they were responsible for causing. About {$240.00} was credited back to my acct by the bank. I have to say that once I showed them what they had done, they offered no apologies or even a good excuse. Neither the Mgr. Or Teller Supervisor would admit any responsibility and treated me like I was robbing the bank. 
I just received a returned payment charge this morning caused by this incident. I am going back to the bank this morning to discuss this. This has caused me a great deal of stress and inconvenience and now I 'm sure my credit worthiness is being affected. I am purely a victim if either incompetence, ignorance or maybe even criminal activity, and at very least my credit standing has been damaged. When I asked the Mgr if there was anyone above her that I could talk with she ignored me. She did not tell me bye, she did not apologize, she refused to even make eye contact ... ...
I am being sued by a third-party debt collector on behalf of Wells Fargo Bank, N.A. Wells Fargo has collected insurance for my default and can not sue as they have been paid. I need to know if Wells Fargo is allowing the third-party debt collector to sue in their name or if they are actually bringing a complaint against me.
On XX/XX/XXXX I received an email from XXXX XXXX that there was a change to my credit report. It stated between XX/XX/XXXX and XX/XX/XXXX, a new account in collection was added to my report. The collection agency is SYNERPRISE CONSULTING SERVICE INC.  The original creditor was XXXX XXXX. I received a letter from XXXX indicating that I owe them {$340.00} for some labs that they had taken from me. I contacted XXXX and told them the amount of debt and the description of the test that they had included was a lie. The agent whom I talked to on XX/XX/XXXX told me to fax the orders I had received from the clinic I had visited on XX/XX/XXXX. I did that and she said the issued had been taken care and I will be no longer receiving any such allegations from XXXX or any other Agency. On XX/XX/XXXX I received a letter from Synerprise Consulting Services Inc stating the account has been referred to them for collection activity.
I have contacted Synerp
rise through telephone but no one answers my calls. I wrote a letter requesting Account Validation no one has mailed me any reply.
A number of years ago, I paid my mortgage {$20000.00} in advance. This was supposed to take care of payments for a number of years. Unfortunately, XXXX continued to mark payments as late even though they had already been paid. I just went ahead and continued to send payments, as that helped. Most recently, I tried to make my payment on XXXX 's website on XX/XX/XXXX, as I always do. This went as usual with no issues, or so I thought. When I returned to XXXX from XXXX vacation, I had a late notice from XXXX in my mail. I went to their website, saw that the payment had not been made, and immediately made the payment for XX/XX/XXXX and XX/XX/XXXX. I reported this to them, but most don't even understand English in their customer service department. They have marked me 30 days late 3 or 4 times even though my account was and is paid over {$20000.00} in advance. Now, I'm having trouble getting business credit due to this unethical company. I have hired a credit attorney and my next step will be to take action if they refuse to correct this error.
filed an dispute with XXXX XXXX XXXX XXXX. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised Portfolio Recovery Associates to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised Portfolio Recovery Associates that not complying wit the FDCPA will put their company in a bad position with the CFPB. Portfolio Recovery Associates never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA.