WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax mishandled my information which has led to a breach that puts myself at risk, permanently. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward Equifax should be required to monitor my account and notify me if any fraud occurs. I did not choose to do business with Equifax nor grant them permission to host my information. I have never had any direct interaction with Equifax, including being notified that they have mishandled my information ( which, again, I only learned of through social media ). 

I do not want to pay a single cent for any measure of credit protection or ability to review my credit report through Equifax, ever. The damage they have caused me is quite literally irreparable.
I purchased a brand new XXXX Yamaha Wolverine R spec ( utv ) from my local yamaha dealer for roughly 15000 dollars on a loan when they first came out. I purchased an extended 4 year warranty through yamaha for full drive train coverage etc. after owning this machine for not even a year and  only having 1200 miles on it the motor went on a cold start one day. The dealer replaced everything from the crank up in the motor without figuring out why it went. This roughly cost 3500 dollars in parts and labor for yamaha i would assume. The dealer ran it around the building numerous times etc and i got it back in reasonable time. With all brand new parts the motor came apart again not even 150 miles later.. The dealer has pulled apart engine and wants to replace oil pump along with all new parts again but yamaha is refusing to cover the machine with over 2 years of warranty left. its clear that the machine has a lubrication issue within the motor yet are claiming this is all my fault. They went as far as offering me one part as good will and than sent me a cheesy sticker package in the mail. I still owe an outrageous amount of money on something i ca n't use. I had to cancel hunting trips etc and am still making all payments. The dealer has made numerous calls to Yamaha motors corporation only to have my claim denied time and time again. I have spent lots of my time on the phone and can not get any answers from the company. a person name XXXX with customer service has denied my claims and wo n't give me a direct answer about covering the machine. I feel that i am being treated very poorly and was sold a lemon that I 'm now stuck with. I 've owned numerous machines through this company and have never had an issue. I 've found other people with similar issues online from some of the first wolverines that were purchased, not sure on the outcome for them.
I initiated a transfer of USD {$5000.00} on XX/XX/2017 from my Coinbase account to my XXXX XXXX account. The funds were never transferred. I have had at least 4 phone call conversations with Coinbase 's customer service and my issue has not been resolved after 3 & 1/2 months. I have had no progress of getting my money back or showing that Coinbase is even interested in ever giving my money back. No actions have been taken by Coinbase to give me my money back.
This account was open in XXXX 2008. I have never made a payment on this account and the name that appear on the Judgment is not my name. I have requested Trans Union to validate this account many time Under FDCPA Section 809. Validation of debts [ 15 USC 1692g ]. I ask that this account be deleted from my credit report. XXXX XXXX
I wanted to buy a XXXX XXXX and I went on an app called XXXX and the seller told me to text him and I did and we negotiate on a price of {$170.00} then I tell him if I pay him on a app and he said if I had the app called XXXX and I went on my bank of America app and sent him the money thinking I had some type of protection either from my bank or XXXX I texted the guy 2 days later and no response then I send a request for my money back saying I changed my mind and he declined it then I send another saying I reported a fraud and found out his location then I look up his number on a website and his location is in XXXX NJ and I looked up his email and it wasn't found. Then I write an email to XXXX and still haven't heard anything from them but doing some research online I found that other people in the same situation get no help at all from XXXX. Please help anyway you can anything is appreciated.
An employee of William and Fudge contacted a friend, that they found viewing my XXXX profile, but said he was found through public records, and asked for my phone number regarding my debt. My friend refused to share my phone number and when I asked why they called my friend, I was told they could not find a way to get into contact with me but yet all my phone numbers and family members are public record.
In XX/XX/XXXX collection company USCB slapped a collection account on my credit report after no attempts to collect from me for almost 3 years. The previous attempt at collection was last noted in XXXX of XXXX. These were originally reported delinquent in XXXX and XXXX, but I need proof of the original tdebt to understand what all these charges are for, exactly. 

I am working with a credit repair company, XXXX XXXX, that cant seem to locate the original debts. It is my understanding that the collection agency must show proof of the original debt in order for this to be legitimate. I am willing to try to settle this and make payments on the account, if legitimate, I want the XX/XX/XXXX reporting of collections to be removed though, since they havent attempted to collect a dime from me for almost 3 years. 

I have attached copies of these debts from my credit report obtained by XXXX XXXX.
I have an account with XXXX XXXX, A Secured credit card, I paid the balance, and I have resolved the account and they still would not remove the tradeline. i called sent emails and contacted the company and I 'm not getting any positive responses. i have attached a letter from the collection company stating its paid and i have no debt with them so they should remove the tradeline.
I bought the vehicle in XX/XX/XXXX, possibly XX/XX/XXXX. Within 60 days of purchasing it the engine stopped and the dealership had to install a used engine in its place since they said it " blew up '' and was not fixable. From that point I had mechanical problems with the car consistently over the next 3 years which caused me to get behind on the payments. The company ( Ally ) worked with me I thought but after all, I realize recently that every payment that I skipped has added at least a year to the payments. I have tried to discuss what options I have concerning the loan and repossession and I have never received the information I asked for. I have stopped making the payment for 2 months and feel that they should reposses the vehicle and not charge me anymore. I have paid somewhere near {$10000.00} to Ally and have spent approximately {$4000.00} to keep the car running. I do not make a lot of money and I am a single mother. I just want to wash my hands of this vehicle and not have to pay Ally anymore at rate of 17 % interest. Before my husband left in XX/XX/XXXX I agreed to filing bankruptcy to please him which is why my credit was bad at that time. Please help me!
I was contacted by my employer about a XXXX XXXX from XXXX contacted them about a loan I had with another company. My employer stated that XXXX XXXX was trying to reach me about a collections case they had against me and they need to get in contact with me to get in contact with her. I was also contacted from my wifes employer with the same information to call XXXX XXXX about an outstanding debt. I have been getting numerous calls on my home phone where when my answering machine would kick on the caller would hang up with no message left. On XXXX/XXXX/16 XXXX XXXX from XXXX left a message on my answering machine and left information about a case number and to contact her a soon as possible. I had returned a call to the number she left and a gentleman named XXXX ( no last name given ) said that XXXX XXXX was not available and that he knew all the information about the call. This was before I even told him what the call was about. He told me that there company received a complaint from XXXX that I had an outstanding balance with them which I partially disputed. While talking with him he told me I had to pay them {$2800.00} that day or I would be taken to court and sued for the money. I told him that I did not have that amount and he told me I could pay 50 % and had to come up with the other 50 % within 24 hrs. I told him I could not come up with that amount for the first 50 %. He told me that I would have to get the money from family or Friends or the case will be forwarded the next day. I told him I have not gotten any information on this from them and he said he would send me a letter to explain everything by certified mail and by e-mail. I got a so called explanation via e-mail but still nothing thru the postal service which he said he would sent. This has been XXXX week ago ( XXXX/XXXX/16 ) and my mail has not brought me anything from them as promised ( XXXX/XXXX/16 ). As stated I have been getting the phone calls with no messages left. When I do get a message is very unprofessional and degrading. Today I was called at XXXX from XXXX XXXX about not following up with her company which in fact I did on XXXX/XXXX/16 when I talked to the XXXX XXXX. I answered the phone and told her that I have not received the information requested ( certified letter ) and to cease calling my home phone. I checked out XXXX with the XXXX and found out that they XXXX has a F rating with them and also was informed by the XXXX to not pay XXXX anything. I have been getting phone calls from XXXXI with different numbers showing up on my caller ID with no company name attached. I found out who they were by reverse number checks. The number that left a message by XXXX XXXX was a XXXX cell phone but the company is located XXXX. They call XXXX4 times a day and leave no return call including from the XXXX number.
On behalf of Citibank, a debt was settled through XXXX XXXX , XXXX . Some months later, XXXX XXXX XXXX , XXXX tried to collect the same debt. I wrote to XXXX XXXX explaining their error and received no response. XXXX XXXX continues to send mail demanding payment. 

Attachments : 1. My letter of explanation to XXXX XXXX 2. XXXX XXXX 's demand for payment 3. Settlement letter from XXXX XXXX 4. Canceled check sent to XXXX XXXX with reverse stating " For Deposit Only, Citicorp Credit Services ''
EQUIFAX and XXXX have repeatedly removed the XXXXXXXX XXXX  CARD MEMBER S account from " Included in Chapter XXXX Bankruptcy '' status to negatives statuses and now they are reporting it as an " OPEN ACCOUNT '' and both agencies continue to re-age the " Date Reported : XX/XX/2017 ''.
My first mortgage is with Ocwen servicing, I 've gotten behind in my payments. I 've requested a mortgage modification with Ocwen. I faxed the modification request and financials. 
I 've recently had XXXX surgery and was off from work. I want to keep my home. 
I 've submitted financials and a modification request. There is a property foreclosure set for XXXX XXXX please postpone the sale and modify my mortgage.
I was charged a late fee of {$55.00} for a payment that was done on XXXX website. I have never been late with my loan before. The representative I spoke with in XXXX 2016 when this matter occurred reported it was the company 's fault and would handle the problem. As of today 's date ... the problem still exists. Every month XXXX report my loan late due to the late fee of {$55.00}. Every month I call XXXX XXXX and get no results. I have requested to talk with managent/supervisors with no progress.
Took advantage of an interest free offer and the bank charged interest even though I paid off the monthly charges on time.
The modification process was underway with all documents turned in for review. Certain social security payment questions came up at the last minute and I was contacted by phone for clarification. I spoke to two different agents for over one hour. At the conclusion of the conversations The agents informed me all questions were answered and no other information was needed so the file was sent to the underwriters. 

Rather than my file obtaining a review I was surprised by a determination that my request for assistance was closed out due to social security income questions. After calling and requesting a in person meeting with the servicer I was told they could not meet to discuss my account as XXXX once did before the transfer. 

The servicer could not find record of the long hour plus conversations I had with the in house agents and explained I would need a court subpoena to get any phone records released for my records. 

I explained to the servicer that the Justice department had recently reached a settlement with the beneficiary of the asset backed certificate associated with my account. 

The servicer stated since I was not in a review and the sale date was very close nothing could be done. 

I reached out to the monitor of the recent settlement with DOJ and was informed that my account was with the legal team for research but it would be a good idea to contact the cfpb at once considering the pending sale date. 

The settlement monitor in New York stated I could be a recipient of relief based on the settlement but the sale date would need to be postponed to allow time for the process.
I signed up for a citigold checking account under the stipulations that I would receive some bonus XXXX miles for opening the account and meeting some requirements. I opened the account in XX/XX/XXXX and was told in XX/XX/XXXX that I had met the requirements and to expect the miles in XX/XX/XXXX. I still have not received the miles and I was counting on them to book a trip. I contacted Citi multiple times in XX/XX/XXXX and the only response was that they were looking into it but it was never resolved.
I have a citi dividend world master card. They offer every quarter different categories of rewards. I registered for rewards from the period beginning XX/XX/XXXX to XX/XX/XXXX which offers a 5 % reward on all purchases from home improvement stores and Home Depot is mentioned specifically on their quarterly calendar. I purchased merchandise from Home Depot on XX/XX/XXXX in the amount of {$320.00} and another purchase from XXXX XXXX XXXX XXXX in the amount of {$230.00} on the same date. According to my calculations I should have received a total of {$27.00} in rewards for these purchases. My closing date on the credit card is around the XX/XX/XXXX of each month. When I checked my rewards balance they only gave me 1 %. 
When I called in to customer service at the telephone number listed at the back of the card which is XXXX after being put on hold for a long time and speaking to some outsourced service I was told that I purchased the merchandise from a warehouse which I definitely did not. I mentioned to them that I have the original receipts of both stores and that I walked into an actual and real home improvement store and physically bought the merchandise definitely not from a warehouse or online. The representatives at the card company seemed adamant and refused to listen to my side which I have the receipt with telephone numbers that can easily be verified where I bought the merchandise from. Just to set my mind at ease I then called the two improvement stores and asked to speak to the store managers. They confirmed that they were not registered as warehouses but were registered as home improvement stores.I then called the credit company again to inform them of the information I obtained from the store managers of the two stores.They refused to listen to my side and were adamant on their verson of these being warehouse purchases. I have in my possession all original receipts.
After reviewing my credit report, there's 2 inquires that has been fraudulently or mistakenly put on my report. The inquires are XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX )
There was a a Citibank offer back in XXXX XXXX with the following promotion ( OFFER CODE : CZPE ) : " Get a {$400.00} bonus when you open a new Citigold or Citibank Account checking package, deposit {$15000.00} of non-Citi funds within 30 days, and keep the funds there for 30 consecutive calendar days. Cash bonus will be credited to your new checking account within 90 calendar days from the date when you completed all offer requirements. '' I opened a new checking account on XXXX/XXXX/XXXX, deposited {$15000.00} on XXXX/XXXX/XXXX, and have kept the same balance until at least 30 consecutive days as the promotion required. Even to this day the same balance has been keep there, and after the 90 days of meeting all the offer requirements, I still have not received my bonus offer. I have called the Citibank service center every 30 days within the 90 days to confirm that I have met all the requirements and their answers every time was yes and wait for the 90 days. Today, it is XXXX XXXX, XXXX and I still have not received the bonus offer nor there is possible pending transactions posted in my account. By researching online, I have found numerous complaints against this Citibank practice of not paying bonuses even after the requirements have been met ( https : XXXX? XXXX ). Any help is greatly appreciated.
Hello, I have serveral problems on my credit report related to issues of mortage lenders buying from other mortgage lenders but not taking over the customer information amicably so that all ACH direct deposit was lost as well as actual physical address to send information to regarding new lender company. This is related to Green Tree taking over from XXXX XXXX XXXX ( formally XXXX ) and Ditech taking over from Green Tree. On both occasions issues caused me to go into default or have delayed payments because I did not even know the loan companies were now being taken over by another loan company. By the time I noticed my mortgage payments had not been withdrawn from my account I was late paying after spending hours and hours and hours on the phone and e mail to correct the incorrect information they had on file for me. In the case of Green Tree they were sending the new information to a work out gym in my city! The same thing occurred with XXXX taking over from XXXX XXXX. They also lost the ACH and customer information or did not ever receive it from XXXX XXXX. This also put my account into delayed payments. 

Finally after spending 2 years trying to remove these late payments on my credit report I have still not succeeded ( I spent XXXX dollars trying to get help from XXXX XXXX who send out form letters that did not help at all ) in removing these from my credit. 

To make things worse I also had to change bank accounts due to fraud so I set up all my auto payments on a regular website based account change for everything from water to electric to health insurance etc. but the ONE that did not work was Ditech of course! I received an e mail saying " thank you, you have successfully set up your automatic withdrawal with Ditech '' but it did not work so I called and called and finally got a manager who agreed to give me her e mail. She and I exchanged e mails over the course of two weeks during which time she could not figure out why the system would not update my new routing and checking number. Finally a colleague of hers managed to do it she said and so I thought all was well! Of course it was not and I found my account was seriously overdue while I was XXXX and did not look to see if the account was being withdrawn from. When I returned I did pay in full but again I was accused of being at fault for being late on my payments. I still have not managed to get their stupid site to work to update the information but I did record the manager reading back my routing and check number to be sure she did not mess up this months payment. 

All I want to do is to have my payments on auto withdraw and not have to worry but I have spent now 2 years trying to get this off my credit report and at the same time trying to get their faulty website to upload my new data. 

I am at the end of my rope. 

Please assist me. 

Thank you very much.
I sent a letter to ACS letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and ACS refuses to delete the fraudulent accounts from my credit report stating in a letter its verified ACS provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.
Per Barclay Arrival + XXXX account # XXXXThe account was suddenly and unexpectedly closed with creditor Barclay along with my earning of points reward, a letter was received few weeks after, with a closure reason due to history of account usage, and never more of it. Now the account has been in a good stand for a whole year since 2014, never late, never cycle the credit limit, the purchases is always under XXXX for monthly spend, I have earned their points award system on a legit base from daily spend, and the membership fee has been paid. There is no reason that they cancel and confiscate all my points reward. 

It is safe to say that Barclay is without a legit ground to close my account due to my positive balance of points remaining on the account, which I have been accruing without any recent redemption. This is regrettably a shady business to say that Barclay close mine account due to the payout I 've legibly earned in saving their cost from paying out the reward. I would like my case to compensate me back all my reward points as into travel credit in form of check, along the credit of my recent membership fee that I 've just paid.