WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2017, I opened a credit card from XXXX XXXX XXXX that is now owned by XXXX XXXX XXXX  for the amount of {$810.00}. I immediately fell into economic hardship and was unable to pay for my credit card. The credit card company was not willing to work with me during my economic hardship and it has only worsened my situation. My hardship still continues and is directly affecting my chances of acquiring a job.
Debt collector repetitively called me to pay an amount my ex husband owed at XXXX which he got when he was still not married to me. he opened an account at XX/XX/XXXX and got tv, XXXX etc before we got married and now the collector is convincing me that i should pay it too since my ex husband is not making his payments. we 've been divorced since XX/XX/XXXX and the collector started calling me XX/XX/XXXX. He wanted me to pay at least half of what my ex-husband currently owe XXXX which is XXXX. I have my own account at bestbuy and excelent with my history of payment.
I was forced to deposit & wire to multiple amounts of money because of threats to harm my children. What was a harmless internet romance, turned into the worst year of my life. That being XX/XX/XXXX. After my dad XXXX XX/XX/XXXX.A girl named XXXX XXXX XXXX XXXX XXXX XXXX . She was nice in the beginning, until when she scammed and threatened me, and my family. The first bank was Wells Fargo, which was a bank wire. Acct holder XXXX XXXX XXXX. Address- XXXX XXXX XXXX XXXX XXXX CA. XXXX # XXXX. XXXX ) Another wells Fargo wire Acct # XXXX, Acct Holder XXXX XXXX Address- XXXX XXXX XXXX XXXX XXXX CA XXXX {$1200.00} XXXX Dep. amt - {$1500.00} XX/XX/XXXX. Dep- {$2600.00} and {$2400.00} XX/XX/XXXX. 

A wire and multiple deposits were made to XXXX XXXX holder XXXX XXXX XXXX. Acct # XXXX. Address- XXXX XXXX # XXXX XXXX CA XXXX. A wire for {$3000.00} and XXXX manual deposits for {$2000.00}, {$1000.00}, {$670.00} And {$1200.00} on XX/XX/XXXX. 

XXXX XXXX XXXX XXXX deposits to XXXX XXXX Acct # XXXX, in the amt 's of {$1600.00} an d {$2000.00}. 
Another XXXX XXXX XXXX acct holder XXXX XXXX Acct # XXXX in the amt of {$2500.00} done XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX a wire {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 
The Bank was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
The other was XXXX XXXX XXXX, XXXX- XXXX. co.a wire for {$25000.00} acct # XXXX. XX/XX/XXXX. 

XXXX XXXX XXXX XXXX , Wire Amt for {$10000.00} & {$7200.00} Acct holder- XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX acct holder Stop $ wholesales a teller deposit for {$6000.00} & {$10000.00} done the same day. XX/XX/XXXX Acct # XXXX. 

XXXX XXXX XXXX multiple deposits to XXXX XXXX XXXX Acct XXXX - XXXX for {$2000.00}, {$1000.00}. {$3000.00} on XX/XX/XXXX, and {$3000.00}, and {$2300.00} on XX/XX/XXXX. 

Last but not least XXXX XXXX XXXX a deposit made for {$4000.00} on XX/XX/XXXX @ XXXX XXXX Acct # XXXX. XXXX XXXX continues to threaten me through the use of private numbers and yahoo messenger XXXX, and her lawyer also at XXXX XXXX. IM also reporting How I was treated to the consumer Financial protection Bureau. I believe have aided and abetted these known criminals. These criminals stooped so low to say I will join my father in XXXX with my kids, and me being on medication for XXXX and XXXX complied. These banks have treated me with such discrimination. My local police did n't help XXXX bit. I still have all the receipts for said transaction. When I found out I was scammed, I asked XXXX XXXX to recall the wires, and they refused. I want My Money Back.
On XXXX XXXX, 2017, Equifax reported a breach in their system that exposed personal information on 143 million people in the United States. This information included names, dates of birth, social security numbers, and potentially drivers license and credit card numbers as well. While I understand that Equifax is also a victim in this attack, this is still unacceptable to the highest level. By simply participating in the credit system in the United States, one is forced to take part in working with agencies like Equifax, XXXX, and XXXX. Because of this, there is an inherent level of trust that must be established and this breach shatters whatever trust may have existed. Something must be done to both ensure that companies can not get away with this and that our information is stored in a manner of the utmost security.
First National Bank of PA bought a loan that I had paid forward several years. When they bought the loan they hit my credit for non pay of the payments I was ahead. I reached out to the leadership team at FNB who contacted the bureaus and had the items removed. ( They also provided correspondence accepting responsibility and acknowledging there systems were not able to provide me a bill moving forward ). Two months later the same items showed up again on the credit profile. At this point I contacted the company again, they said they resubmitted and 30+ days later the items are still showing on my XXXX and XXXX reports. Furthermore, now my wife shows a civil judgement on her profile which the bank says they know nothing about. 

This bank clearly lacks the technical system to manager the business and I have significant concerns to there ability to manage my data at all.
Your options do not list the proper option for this issue. XXXX is trying to collect a debt that I do not owe. They sued me and I won the law suit. The court determined this is NOT MY DEBT. I have attached both the judgement resolution AND the copy of the Equifax file stating that they contacted XXXX and are leaving it on the file.
I have a Sams Club Credit Card account which had become past due because of unemployment and illness. I made financial arrangements paying the monthly amount required since XX/XX/XXXX through XX/XX/XXXX. I paid the minimum amount due to bring the account current XX/XX/XXXX on the Sams Club Credit Website which indicated the account was open and upon payment the account would be in good standing. As per the representative I spoke with, upon paying that amount the account would be considered in good standing and available to use for purchases. When checking that the payment was posted on XX/XX/XXXX, the account now says it is closed due to serious delinquency. Had I known that this would take place, I would have made arrangements for recurring monthly payments instead of this lump sum which I could have used to begin bringing other accounts current. I have sent an message on the account website.
I recently called and submitted a letter to XXXX XXXX XXXX asking them to validate a debt. I never received information on the stated amount or that it be reported on my credit report. I asked them to provide the following information : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in Georgia ; and 7. Your license numbers and Registered Agent finally I ask XXXX XXXX XXXX to remove the collection from my credit report until the debt is validated.
I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX XXXX I was never late 30, 60, or 90 days late in the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Im not sure when this happened or what could have happened. I believe that I had made my payments to your company when I received my statements. My only thought is that there is a billing error with my statements.
Hi, on XXXX XXXX, 2017 I went to a restaurant called XXXX and was billed a sub-total of {$59.00}. The amount charged was {$150.00}, so the restaurant is charging me {$100.00} tip on a sub-total of {$59.00}. I did not give a {$100.00} tip, the restaurant clearly added another XXXX on the receipt. Chase sided with the merchant because they have no common sense. The signature used was also not mine, but Chase still decided to side in favor of the merchant.
All I am asking is that Equifax kindly have my new address ( not new anymore ) inputted into the system and continue my security freeze which I am entitled to according to OR laws surrounding this issue. My complaint is I have not been able to lift this freeze on my own. The automated system will NOT allow me to do it. I have been denied credit because I can not lift the freeze. Equifax has told me in the past they will remove the security freeze, but that 's not what I 'm asking for. I 'm asking for 1. your records to match my actual address 2. I have a password that will work when I call to lift the freeze on my own and 3. that the security freeze REMAIN on my file.
Eqifax responded to my most recent complaint by merely removing my security freeze. This brings me back to step one ;  something I completed with all XXXX reporting agencies two years ago ; Equifax is the only one I 'm still fighting with. I  am protected by Oregon law. I had a security breach in XXXX, NV dated XX/XX/XXXX. I merely MOVED to OR, and have not been able to access Equifax credit after sending in a copy of this police report, my OR DL, a billing statement to prove my address in to Equifax. Since then I have attempted to write, call, include other agencies, all but taking legal action which is the next step as Eq has given me no other choice ; for whatever reasons my issue is still NOT resolved. Equifax, is this truly how difficult it is to have something so very simple taken care of? I am baffled. Like I said, you sent the attached letter to me over a year ago, verbatim. I have n't lived at that address since XX/XX/XXXX. I do n't understand why it 's taken so much time and energy, and it is still not fixed. Can someone with actual authority tell me? Furthermore you informed CFPB in response to my last complaint that you mailed a complimentary credit report. I never received it ; just the attached letter stating you have finally updated my records. PLEASE fix this problem.
I recently called to check the status of the XXXX dispute I sent to Transunion in regards to public records entry on my file. I have advised numerous times that although the bankruptcies were filed, They are no mine. XXXX has verified that the public records were not mine and have deleted them from my credit file. I was advised that I have to contacted the XXXX and was advised that they advised that I did not file a bankruptcy with them. I have contacted both courts and was told that they do no furnish any information to the credit bureaus or any 3rd parties. As working in a law firm, in order to access public information for " legal '' use, you must complete a form and indicate why you are seeking this information. I have been told a number of times that an electronic message is sent from XXXX to the courts directly. Each time, the " courts '' send back a message starting that they are verified. I then ask for the name and telephone number of the individual at the court that verified the information, and the bureau is unable to provide that information.
On XX/XX/XXXX, I filed a complaint towards citibank for the credit inquiry made by citibank on my XXXX credit report. The inquiry was shown on my credit report as " CBNA dated XX/XX/XXXX Bank-Installment Loans. '' On XX/XX/XXXX, Citibank gave me a response through CFPB. The content of the response is attached below. 

" We reviewed the client 's request to have the credit inquiry removed that is listed under " CBNA dated XX/XX/XXXX Bank-Installment Loans. '' Due to the incorrect product type reported, we submitted a request on XX/XX/XXXX to have that inquiry removed. Please allow 30 business days for this information to be updated on the credit report. We sincerely regret any miscommunication that occurred regarding this matter and the frustration this caused. " However, as of XX/XX/XXXX, the credit inquiry mentioned above is still listed on my XXXX credit report. Enclosed please find a copy of my XX/XX/XXXX XXXX bureau credit report. 

Citibank did not take action as they promised, nor did they give me any explanation or notice in regards of why they did not remove the inquiry from my credit report.
I became XXXX XX/XX/2015, Been on total XXXX and receiving Social Security. 
I applied for student loan forgiveness and submitted all supporting documents sent by the Federal Student Loan Forgiveness to XXXX  ( my student loan holder ). 
My application was received and accepted by XXXX and received notifactions from them that my sudent loan was dismissed in total due to my XXXX. XXXX still has not removed this from mum credit which has effected my credit score negatively. 
My student loan was accepted and approved through the Federal Student Aid/Student. Loan Forgiveness Program. XXXX also notified me my application was approved, would be dismissed and removed from my credit report.
According to my recent credit report request from XXXXXXXX, XXXX, and Experian there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND  ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA   XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME XXXX XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA  XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO  XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME NONETHELESS THE CREDIT HAS CHANGED PERTINENT INFORMATION ON THIS ACCOUNT MULTIPLE TIMES AND REPORTING DIFFERENT AND INACCURATE INFORMATION ON WHOEVER THIS ACCOUNT BELONGS TO WHICH IS AGAINST THE FCRA PLEASE REMOVE IT AS IT DOES NOT MEET FCRA STANDARDS AND DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, CA  XXXX ( XXXX ) XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF OF MY CREDIT REPORT CREDITOR HAS NO SIGNED AGREEMENT WITH ME NONETHELESS THE CREDIT HAS CHANGED PERTINENT INFORMATION ON THIS ACCOUNT MULTIPLE TIMES AND REPORTING DIFFERENT AND INACCURATE INFORMATION ON WHOEVER THIS ACCOUNT BELONGS TO WHICH IS AGAINST THE FCRA PLEASE REMOVE IT AS IT DOES NOT MEET FCRA STANDARDS AND DOES NOT BELONG TO ME
PNC Mortgage offered a forbearance plan to me due to Hurricane Irma and at the time of acceptance they stated I could easily do a loan deferment or loan modification at the end of the term. With that said they would not discuss my options or evaluate my mortgage until the forbearance was over and the loan was in default. Upon default they explained that the deferment was not an option and the modification would take months to approve if it was even approved at all. I faxed in the loan modification paperwork twice ( I have the sent receipts ) although each time they stated they did not receive it but it could be still in the process of uploading into their system which takes a minimum of 3 days. On XX/XX/18 their collections department called demanding the money and stated as long as I made the payment that day I would not be reported to the credit bureaus so I reluctantly made the payment in full and the very next day my credit dropped 118 points. Upon filing a complaint with PNC bank their complaint department stated to me that there is absolutely nothing that can be done and that they report to the credit bureaus on the XXXX of each month. The collections department representatives each and every conversation refused to tell me when they report to credit bureaus. I feel like I was taken advantage of. Nothing was ever signed. They are refusing to send me the " so called '' recorded conversations. They ruined my credit and are refusing to allow me to refinance when I have over $ 200k in equity in the house so they can keep charging me for mortgage insurance. They deceived me and I'm sure they have ruined plenty of natural disaster victims lives due to their process. All I want is for them to help fix my credit and allow me to refinance in order to remove my co-signer as she does not participate any more. Additionally, I had to use every penny I had in my savings to pay the 6 months of forbearance so it would be nice if they could return that to me and defer the missed months to the end of the mortgage or something.
We surrendered our home in a bankruptcy filing in XX/XX/XXXX. The loan was sold by XXXX to Bayview Loan Servicing approximately one year later. We made many attempts to do a deed in lieu of foreclosure with both XXXX and then restarted the entire process again after the loan was sold almost a year after the bankruptcy filing to Bayview Loan Servicing. Neither lender would work with us for the deed in lieu of foreclosure which we accepted and then we were told the mortgage would go into foreclosure after all our attempts to make it a smooth transition for the mortgage holder as well. We have continued to pay Homeowner 's Association dues in the amount of {$370.00} a month ( adjusted annually upwards ) for over 2 years since we are still the registered owners and we can not refuse to pay the HOA fees until the mortgage holder sends a letter stating that the property is in foreclosure due to the requirements of the Bankruptcy rules ( no new debt may be incurred ). We just found out today that the foreclosure process officially commenced on XX/XX/XXXX yet we were never notified, and we have continued to pay the HOA fees every month, never being late either. It is our belief that Bayview Loan Servicing acted in bad faith, knowing we were paying the HOA fees, and even after numerous calls and conversations, they made no efforts to resolve the issue so that the foreclosure would go forward. We were told so many stories that it 's hard to begin to tell them all, but we found out today by the Bayview Loan Servicing law firm here in Georgia who handles their foreclosures, that the ONLY reason the foreclosure has not been completely finished is due to Bayview 's negligence to provide the law firm the AOM, Assignment of Mortgage details that must be recorded with the county in which the property is located. Bayview has known this step needed completion for many months and even the law firm stated today on the phone that Bayview has been non responsive to their requests to obtain the AOM and that the foreclosure would have been completely finished by now had they provided the AOM in a timely manner. We believe that Bayview not only acted in bad faith but that they also purposely left us holding the bag for paying the HOA fees every month so that they would not have take over the expense of the HOA fees once the foreclosure process was formally in process with the AOM in order. This company, Bayview has preyed on us to force us to maintain a property that we vacated 2 years ago and they made no effort, by their own admission on the phone today, to get the AOM issue resolved. If we were given a notice of foreclosure back in XX/XX/XXXX when Baview first put the account into foreclosure status, we would have no longer been required to pay the HOA fees which by paying them, has kept us in a continued state of financial hardship solely due to the negligence of Bayview Lending Services and them choosing not to follow their own proper protocols and by acting in bad faith. We believe we should have the foreclosure expedited and should be refunded the HOA fees we have paid since XXXX XXXX at the very least.
I have not yet received a notice of right to dispute and therefore my 30 days to give written contact has not began since the initial phone call of XX/XX/2015
I called Wells Fargo today to make a payment with the same account information I make it with every month for the past 5 is years. I verified over 5 pieces of information like I do every month and have been doing for the past 5 years. Today they refused to take my payment from the account I gave them verifying the routing number and the bank name. The manager stated she would notate my account to make it more difficult for me to call In and make future payments even though I had correctly verified all the information where my payment was coming from.
I have been receiving emails using a XXXX address from a XXXX XXXX claiming to be an attorney representing US Fast Cash XXXX threatening legal action up to and including prosecution if I do not pay an amount of {$950.00}. I have never had any dealings or even heard of this company. When I asked for the company phone number and address, XXXX XXXX failed to provide it.
Wells Fargos response to the last complaint appears to have not been properly investigated within Wells Fargo. As a result, their response appeared rote as they refused to take responsibility for a situation that they created. 

I have contacted the company and can not seem to resolve the problem to my satisfaction. 

Wells Fargo customer service and various departments within Wells Fargo seem to have intra-departmental communication issues in that this situation should not have been created in the first place and should have been resolved by now.
Collection Agency ( Oracle Financial Group LLC ) would not make any payment arrangements with me unless I could make a payment today. They misrepresented themselves and indicated they were attorneys and not a collection agency so they couldnt do payment arrangements. They said my case would be turn over to my county and my drivers license would be suspended for 6 months automatically and my wages would be garnished. They clearly were n't following appropriate debt collection practices so was nervous about making any payment to them because they made numerous threats and false claims
XXXX XXXX  in my previous complaint did not address why they violated Regulation B and did not respond within 30 days. there is a message received on XX/XX/XXXX XXXX XXXX from XXXX with XXXX XXXX Bank in XXXX that he received my application. the bank sent the denial on XX/XX/XXXX almost 90 days later. I feel that I was treated unfairly and then XXXX XXXX  called with denial that did not explain all the reasons for the denial and instead they discouraged me to proceed with the refinance because of the high rate in my situation and instead told me to apply for the modification that was denied. they refuse to provide me any additional options. the only option they may consider is short sale which I refuse to do and want to stay in the house