WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax took six weeks to notify the public after finding out about the breach. Even then, the site that Equifax set up in response to address questions and offer free This is the THIRD BREACH AND SECOND TIME EQUIFAX has raised the number of consumers affected since it first reported the hack.incomplete, confusing and contradictory statements, '' and failed to answer the " precise extent of the breach. '' with no cure of the problem. 

EQUIFAX maintained a separate Database for the Product the PII that was compromised. That Database had different Protocols, different Security, and was not maintained as the Database for Clients and Employees. 

The Consumer Database had no remediation plan and YET THE EQUIFAX CUSTOMER DATABASE HAS UPDATED AND A SECURE PORTAL. EQUIFAX WAS GROSSLY NEGLIGENT AND THEY SHOW A GROSS VIOLATIONS OF COMMON SENSE AS WELL AS A GENERAL DISREGARD FOR CONSUMERS. 

I HAVE EXPERIENCED SEVERAL ID THEFT AND ID THEFT ACTIVITY CONCERNS ON MY CREDIT REPORTS, INCLUDING WITH EQUIFAX WHO REFUSES TO REMOVE THE ERRORS OR ISSUES. 

IRS SCAMS AND FEDERAL RESERVE BOARD SCAMS A CLOSED XXXX XXXX   ACCOUNT DUE TO THIS, IMPACT ON MY CREDIT RATING AND DENIAL OF CREDIT. NO REMEDIATION WITH ALL THE WORK LEFT TO THE CONSUMER TO SCRAMBLE REPORTS, PHONE CALLS, FAXES, CERTIFIED MAIL LETTERS. THEN TO REPEAT TO FOLLOW UP AGAIN TO ASSURE A CHANGE " MIGHT '' BE MADE IT IS CONTINUOUS AND SATURATED INTO EVERY PART OF A CONSUMER 'S LIFE. 

THERE IS SHAME, GUILT AND STRESS, ANXIETY, AGGRAVATION A GENERAL NEVER ENDING EMOTIONAL ROLLERCOASTER OF DUE DILIGENCE FOREVER. THE HARM IS ENDLESS AND COSTLY WITH NO COMPENSATION FOR MY TIME FROM EQUIFAX WHO CAUSED THE PROBLEM. NO PENALTY FROM THE CFPB OR OTHER AGENCIES. EQUIFAX STATES '' FRAUD IS A HUGE GROWTH OPPORTUNITY FOR EQUIFAX '' SO GENERAL GREED AND PROFIT WITHOUT CONSEQUENCES. EQUIFAX DID NOT SPEND MONEY OR TIME ON THE CONSUMER DATABASE DUE TO COST AND SHARED UNENCRYPTED XXXX SHEETS OF CONSUMER INFORMATION, A TOTAL DISREGARD AND ABANDONMENT OF ANY RESPONSIBILITY. DO YOU HAVE MY CONSENT TO USE MY PI INFORMATION? NO. THEREFORE YOU ARE INCREASINGLY MORE RESPONSIBLE TO SETTLE THE HARM THAT WAS CAUSED WITH A FINANCIAL CURE. THE COST OF DOING BUSINESS IS A TWO WAY CONCEPT AND THE DAMAGE SHOULD BE SHARED. THERE IS NO EVIDENCE BASED DEFENSE EQUIFAX CAN PROVIDE AS THEY ARE GUILTY OF CRIMINAL BEHAVIOR, GREED, CORRUPTION. A DISREGARD OF THE SEC GUIDELINES, LYING TO THEIR SHAREHOLDERS, THE SENATE AND OTHER AGENCIES. THE CONSUMERS ARE NOT ON THE LIST DUE TO THE RESPONSE AND CONSIDERATION " NOT '' PROVIDED TO CURE OR MAKE WHOLE THE INDIVIDUAL. THE ENUMERATED FEDERAL CONSTITUTIONAL LAWS THAT WERE VIOLATED INCLUDE THE RIGHT TO SELF DEFENSE, THE RIGHT TO EQUAL PROTECTION, THE RIGHT TO PRIVACY ALL PREVENTED BY EQUIFAX " ACT OF TRUTHINESS ''
Contacted Equifax XXXX XXXX # XXXX to request deletion of outdated account XXXX XXXX # XXXX. CRA is re-aging date of first delinquency ( XXXX ) to date of charge off ( XXXX ). I told him that the creditor has 90 day to report the charge off per section 623 ( a ) ( 5 ) which is the ( XXXX ) date
My TransUnion Personal Credit Report dated XX/XX/XXXX shows XXXX XXXX XXXXXXXX XXXX XXXX obtained reports about me on XX/XX/XXXX and XX/XX/XXXX. 

The report states that the company obtained the report for the review or collection of an account. 

I do not have nor have I ever had an account with XXXX XXXX XXXX XXXX XXXX. Under the FCRA an account is a demand deposit, savings deposit, or other deposit of an asset of the consumer 's. I have never opened any type of deposit with XXXX XXXX XXXX XXXX XXXX. 

Furthermore, I have had a permanent opt-out from promotional offers in place since XX/XX/XXXX, I have a had a permanent legislative security freeze in place since XX/XX/XXXX, and have had fraud alerts in place since XX/XX/XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX obtained information about me from TransUnion illegally.
Chase bank advertises quick pay as a convenience. On XX/XX/XXXX I cashed money for my neighbor. On XX/XX/XXXX my neighbor reported her debit card stolen. Chase  automatically froze my account since the quick pay I did for my neighbor was during dates that she reported her card stolen. I have brought Chase all text messages and a hand written note from my neighbor, with her signature & social security number to prove the quick pay was legitimate however Chase still has my account frozen claiming I committed fraud. I missed my last payment to a credit card & my last car payment since these 2 payments were on automatic payment. Also my wages go into that account & even though my wages are more then the disputed amount they have decided to freeze my wages also which are on direct pay. Im having to prove Im innocent, which I have, however they continue to have a freeze until they decide to finish an investigation. They claim my neighbor isnt answering their calls anymore. That shouldnt impact my account since I have provided all text messages where she asks for me to cash money via quick pay & ive provided a hand written note with her signature stating the quick pay was a legitimate transaction. Chase should not be allowed to advertise quick pay as a safe way of banking!! This all happened on XX/XX/XXXX. After providing evidence that the transaction was legitimate, they are still investigating & all my money including my wages that were deposited after the dispute are still frozen. None of my wages nor my account should be frozen!!! This has been a horrible experience.
I have tried to freeze my own, my wife and my father 's credit reports through Experian 's website, but have been denied each time, even though XXXX and XXXX approved my requests.
I am having a very hard time with the following XXXX XXXX ACCOUNT XXXX, reporting incorrectly on my credit report. This erroneous line item is causing a DRASTIC reduction in my score unfairly. 

I have called XXXX XXXX numerous times, and they keep telling me that they do agree I paid the account in Full by XX/XX/2017. Then they say that same day it went to Charge Off Status. Why would it go to charge off, after I paid the balance to ZERO? this is causing it to incorrectly report as a paid charge off, depsite them admitting I paid the bill entirely, on time. Then they say they will open an internal dispute, and nothing ever happens. I want this line item to read, never late, paid as agreed. This should not be a charge off in any way. I try to dispute it with the credit bureaus, However they are failing to take action on the line item and either remove it, or edit it to show paid as agreed. In summary I was NEVER LATE on this account, and I paid it in full. If XXXX XXXX wants to close the account at their discretion - FINE, but that does not have ANYTHING to do with false reporting. 

Please see the following facts 1 XXXX XXXX XXXX XXXX continues to say {$340.00} was charged off. However that is false. I included my bank statements to show when payments were debited from my account. They will now admit by phone I DID pay the balance in full at XXXX PM on XX/XX/XXXX. At this time when I called to make the payment, NOTHING was mentioned about a chargeoff or account closure. 

2 ) XXXX XXXX XXXX WAS NEVER CHARGED OFF, it was paid in full on XX/XX/XXXX. How can you charge off {$0.00}? Please, I kindly ask you to review the payment information below. Its reporting wrong and causing me denial in credit unfairly.. 

3 ) They even report FP = Failure to Pay. How can this OBVIOUS mistake continue to report. There is an FP reporting for XXXX and XXXX, but CLEARLY, you can see a payment was made in both of those months. Attached below is my bank statement showing the payments. Furthermore how can it be an FP, if the balance is {$0.00}?! There was a balance in XXXX, if I failed to pay, then HOW DID THE BALANCE GET TO {$0.00} XXXX XXXX Account # XXXX was never charged off. It was paid satisfactorily with {$0.00} balance, BEFORE chargeoff I kindly ask if you can please change the status to correct it, and show as CLOSED/PAID SATISFATORILY or PAID AS AGREED, CLOSED or PAID/CLOSED ( or something like that? ). The chargeoff is ERRONEOUS, and hurting my score unfairly. 

I appreciate your help.
My identity has been compromised or stolen. I filed a police report and notified XXXX, Equifax and XXXX XXXX. I feel that they are not taking the matter very seriously at all.
XXXX  retaliated againgst me for reporting them. Fraudulently stated I recently reported identity theft which I did not. Multiple disputes used the cover that I reported identity theft to avoid handling my legitimate disputes with XXXX XXXX, XXXX and XXXX. XXXX should be investigated today the lowered my credit score 68 points because of XXXX XXXX a company that failed to advised what happen to my return and what they are ruining my credit over. XXXX  should be fined for manipulating my credit score showing as if XXXX XXXX is a recent legitimate debt. Without showing debt or proof of debt.
XXXX should be wipe off the reason they arent do well is because of fraud and cheat they do to me and tun of other customer. 
All the purchase I made I return them but for sum XXXX reason I still have balance on my account so I disputed the amount last month but XXXX still charge me late fee and madd my balance paddy due I had to waist my time on the phone numerous time go over the whole explanation and because their represanative put me on hold for so long and after I told them that u put me on hold for too long my phone will get disconnected represanative told me not to worry I will call u back but they never did call me back so today I was on the phone since XXXX XXXX right now is XXXX and I didnt get any result just waist of my time and energy explaining
They locked me out of my house without notice. I am not in foreclosure. I am late on my house payment, but not in foreclosure. I moved out of my house XX/XX/XXXX and notified my bank that I was moving XXXX due to a job change ( a permitted reason to move and not occupy the home under FHA loan regulations ). XX/XX/XXXX, I received a letter stating that they just learned that my home was vacant and that I needed to call them within 10 days or they would take steps to ensure security of the home. I called immediately and reminded them that I previously informed them that the home was vacant and worked it out with a representative to XXXX XXXX 's satisfaction at that time. I traveled to the house XX/XX/XXXX and stayed in the home XX/XX/XXXX. I have a friend who regularly checks on the house and who is considering purchasing the house who went to check on it today and the locks had been changed on my house and a realtor box placed on the door. I did not receive any kind of notice that the house was going to be locked up, or I would have told them that I was using the house when I traveled to XXXX visit my mother. I called today to let them know that I can not get into my own home and they said too bad. They informed me that I could not remove the lock to get into MY HOUSE. I am not in foreclosure. I have not received any notice that the house would be locked and I would be locked out and not provided any access. This is a violation of the law and of my rights. XXXX. I understand the law and my contract and this chain of events is a breach on the part of south pacific financial. They have an obligation to inform me and can not lock me out of my own home without proper judicial authority. They also stated this was partially because the utilities were turned off. The utilities are off because I am having the house completely rewired and new electrical installed. I am ready to sue.
I called the company on the debt. I gave them my new address and phone number and I asked them to send me the information on the debt. That was  two  months ago and still i have not received any information.
We had a modification agreement in place. We were hit by hurricane Irma. We requested a forbearance for 90 days. XXXX XXXX allowed us to make one payment before blocking our account. We we told to fax a document to them stating were not in litigation, we did. We qlso spoke with their attorneys XXXX XXXX XXXX in XX/XX/XXXX. He called XXXX XXXX and confirmed we were not in litigation. Rushmore refused to unblock our account. We received paper work on XX/XX/XXXX to resubmit modfication paperwork. I called today to let them know we were gathering the documents together and they would be faxed Monday XX/XX/XXXX. They advised we are back in litigation and have added {$6000.00}. To our already overcharged account. XXXX XXXX sold the bad debt while we were in bankruptcy proceedings, illegally. XXXX XXXX sent us a statement that XXXX XXXX had overcharged oyr account by {$3000.00}. Rushmore never corrected the account. They have charged us three times for attorneys fees, over {$15000.00}. We have not been in litigation ever with Rushmore. We qualified for the modification.
XXXX   XXXX  had a note with  XXXX , the balloon payment was coming due  XXXX   XXXX ,   XXXX  .  XXXX   XXXX  contacted  XXXX  in  XXXX  of   XXXX  .  XXXX  advised  XXXX   XXXX  to continue making his monthly payment and  XXXX  would work with him on getting the balloon payment refinanced.      XXXX   XXXX  continued to send in his monthly payments and work with  XXXX  on a refinance.  XXXX   XXXX  made payments in  XXXX ,  XXXX ,  XXXX , and  XXXX . In  XXXX ,  XXXX  returned the  XXXX  and  XXXX  payment and advised  XXXX   XXXX  that he was in default and  XXXX  would no longer accept additional payments.      XXXX   XXXX  was ultimately able to pay off the balloon payment in  XXXX  but  XXXX  continues to report to the Credit agencies that  XXXX   XXXX  failed to make his  XXXX ,  XXXX  and  XXXX  payments. This is making him in excess of 120 delinquent, even though  XXXX   XXXX  made the payments.     We contacted  XXXX  and attempted to resolve but they are stating that he was in default because he did not make the balloon payment. However,  XXXX  made an oral agreement to accept the payments and then accepted some of the payments but is reporting  XXXX   XXXX  did not make a payment in  XXXX  when he did make the payment and  XXXX  accepted the payment.  XXXX  is also reporting  XXXX  and  XXXX  payments not made when they were made, but returned.     We have disputed the information with  XXXX ,  XXXX ,  XXXX , and Equifax.  XXXX  continues to insist that the credit reporting is correct, despite having received payments in  XXXX ,  XXXX  and  XXXX .      XXXX   XXXX  has been denied credit because of the negative reporting.
I received a letter from Allied International Credit Corp stating I owe XXXX. They tried to get personal information from my XXXX account. The person on the phone ask me was my user name XXXX and I said no. She said we need your user name. I told her that XXXX told me not to give this out. I called XXXX and they told me it is a scam. XXXX stated that I do not owe them anything and that XXXX is not a user name with XXXX. I did tell this company that I could not owe XXXX anything because my payments is auto. They ask me did I sell XXXX computers and I said no but I sold SAXOPHONE. I wish I did not tell them that. I beleive this company is trying to collect under false pretense and trying to collect on accounts. XXXX said they do not use them.
Experian continues to indicate that XXXX County lien XXXX was paid. IT WAS NOT PAID. Instead, the lien was filed in error by the State of Alabama and eventually canceled. However, Experian refuses to correct the reporting despite multiple submission of documents indicating the correct status.
Filed disputes for charges from my Wells Fargo bank accounts. Merchants provided emailed or paper receipts reflecting credit slips including cancelled transactions. However had to file disputes in order to recover funds. I provided Wells Fargo with all requested documentation to recover funds. The contact center and branches decided to close all of my accounts. I requested my funds from all accounts and expressed that no balances, overdrafts, charges or credits were pending against the accounts. More specifically my savings account has no attachment to my affected checking account. Wells Fargo has advised not to provide my {$410.00} to me until XX/XX/2016. I advised that these funds are social security income funds. Branch and executives advised that they refuse to release my held funds. I demanded a release of my funds and they refused. I advised that this is illegal and Wells Fargo has violated my rights!
On XX/XX/2018, a fraudulent chase quickpay payment for roughly {$780.00} was attempted which caused Chase Bank to automatically freeze my account. I went into the branch the next day and transferred everything over to a new checking account. While I was there they noticed another fraudulent quickpay payment went through my " frozen '' account for {$780.00} ( almost exactly the same amount as the charge that originally froze my account ). I submitted a dispute and over a month later Chase responded by stating that the charge was authorized and that the money will be removed from my account. 

I immediately phoned the Chase claims department and talked to two different representatives who stated there is nothing that I can do as it was deemed an authorized charge.
I knew there would be payments, but the amount they are asking for is not possible. I 've been sent bills for anywhere from {$800.00} on the low end to {$2200.00}. This is more money than I make in one month. I 've explained this many times to many agents after waiting over 20 minutes and getting transferred to multiple people after the shake down from the first level staff. I 've hung up in tears more times than I care to admit. They suggest moving in with my widower father ( in order to save on housing expenses so I can pay my loan bills ) and suggest I get more jobs in order to pay them faster. It honestly feels like I 'm dealing with loan sharks when I call them. I went part time for four years to complete my XXXX XXXX XXXX in another state at a more prestigious University and I owe about four small automobiles worth of payments because I finished my XXXX XXXX in another state that did n't have scholarships available. After graduating XXXX XXXX XXXX, I make {$10000.00} less per year than I did in the year 2000. I 'm simply not making enough to pay the lowest amounts they insist I pay, so I file forbearances and deferments for hardship but feel I could pay something reasonable ( small car payment amount? ) but they just decline to accept it so my interest continues to accrue. I feel trapped in this vicious cycle.
I don't know if I ever took this loan out. I haven't been getting credit for my payments. Texas Guaranteed sued me in Texas, i live in New York, and garnished my wages prior to the judge giving them permission to per the court paper work i have. Now Texas Guaranteed is called Trellis. I am not getting credit for the payments I'm making them. NSLDS is not being updated with the payments I'm making them and they sent me proof they are reporting the payments to nslds. I want proof this loan was taken out by me, something with my signature saying that I took this loan out and it went towards my college education. Otherwise it could be an internet crime, fraud or identity theft, etc. I have police reports on file. On my credit report it states i have not been paying the loan & its in defeat and that's not true. I've submitted disputes with all 4 credit reporting agency 's.
I notice a new collection on my XXXX credit report and didnt reconize it disputed it with the credit bureau. Cam back as verified. Contact the collection angency that was listed on my credit report and ask about this debt. Then they gave me a name other than mine as the oweing the debt. And told them i am disputing this debt i want original bill and what if anything i paid on this aledged debt and what are the charges for. The agent said to me we dont do that all we have is a computer generated bill ( tied assuming to my social security number being on my experian credit report ) cause the name they gave me was XXXX. Not XXXX, and they told me i need to contact the oringinal creditor not them i keep asking for them to validate the debt but refused telling me its not there job. I told them to remove this from my credit report but refused to.
I requested a loan modification from green tree servicing and after months of submitting and resubmitting paper work they keep had already been sent, they finally agreed to a modification. They modified the loan to 40yrs and they said they would move part of the balance to the back of the loan. Well recently when I requested a credit report a saw that they structured the loan so that at the end I have a XXXX plus balloon payment that will be due. THAT WAS NEVER explain to me. This was the first a known that this loan was set up that way. They lied doing the whole process and now I see that they were deceptive as well. Your agency recently found them guilty of similar conduct. I want to know what I can do at this point to get this changed and whelther I need to seek legal help at this point to handle this matter. Thanks in advance for your help.
Answering CitiBank mailed flyer offering {$500.00} cash bonus for {$50000.00} deposit, in XX/XX/XXXX I opened a new CitiBank savings account to hold the funds. In XX/XX/XXXX I closed the account via Cashiers Check ( copy attached ), which i mailed same day to my primary financial institution, XXXX. When the deposit had n't posted, I returned to CitiBank ( XXXX XXXX, CA ) to report the problem. I was assured moves would be commenced within days to resolve the matter. Having heard NOTHING in two weeks, I returned, reported the total lack of follow-up to branch mgr XXXX XXXX. Re-started the process, with XXXX XXXX and me spending over 2 hours confirming with my XXXX XXXX representative that the check had never been received by XXXX. XXXX XXXX confirmed the AWOL cashier 's check had not been cashed. But instead of issuing a Stop Payment on that check and issuing me a replacement check, XXXX XXXX stated CitiBank had to wait 60+ days to ensure that the AWOL cashiers check was not deposited. Under the circumstances, XXXX XXXX said he would try to get my money re-funded the following week and promised to keep me posted. After 3 weeks of silence, I called XXXX XXXX again, learning that he was no longer with CitiBank. Apparently, he had left NO notes on the 3+ hours of my time spent in trying to resolve the matter. Not ONE of the Personal Bankers, including the Branch Manager, knew where my {$50000.00} was or when/how I could/would get it back. I was sluffed off to another officer to re-start the process de novo. Unwilling to start all over after CitiBank 's repeated lapses and failures, I sent a detailed Certified Letter ( attached ) to XXXX XXXX XXXX, CitiBank 's Chief Legal Officer, who in turn sluffed off my complaint to XXXX XXXX, client liaison, who emailed a form letter ( attached ) stating, among other things, " please be assured that your communication is important to us and will receive a deliberate and thorough review ''. On XX/XX/XXXX I returned the call as requested in the email and had to leave a message on XXXX XXXX 's Voice Mail. I have had NO written or verbal response whatsoever in these 3 weeks.
CitiBank does NOT provide its bankers adequate information on handling AWOL cashiers ' checks and does not require Officers to document issues or respond to customers. 90 days after initially reporting the AWOL cashiers ' check, I STILL have NO IDEA OF WHEN OR HOW I WILL EVER GET MY {$50000.00} BACK. This is beyond incompetence on CitiBank 's part ... ... ... .it is plain and simple consumer fraud
I was in contact with a company called XXXX XXXX XXXX, XXXX, advising me that they would be able to assist me with enrolling in the Loan Forgiveness Program as I am in the XXXX field. I was advised by them that I would be charged a fee of {$1300.00} for the service and have been paying that off monthly through Equitable Acceptance. I still have a balance of {$960.00}. Last week a colleague of mine stated that I was not supposed to be charged for doing this. I would like Equitable Acceptance to refund me what I have paid so far and remove the remaining balance that they have wrongfully charged me.