WillisBack/dataset-financial-user-claim huggingface dataset:
This is related to Equifax 's data breach. My information was part of the data breach according to Equifax 's website. I have attempted several times to complete the process to enroll in protection via their website. So far, I have been unsuccessful. Equifax has clearly not invested enough resources to protect my data from which they have profited. I hope that the U.S. Government can assert greater pressure on them to take this breach more seriously! Thank you!
I was a victim of identity theft and noticed a collection from Concentric Receivable I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Concentric Receivable in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
When shopping with my daughter and friend for groceries, at check out my capitol one, gm card was refused to pay for groceries, Later when i called capitol one fraud center and spoke to XXXX ID # XXXX??? she said some groceries in XXXX were experiencing credit card fraud so they question all sales, My Complaint is if they are going to Arbitrarily discriminate XXXX groceries they need to inform card holders to stop the embarrisment at time of purchase.How can I cancell doing business with capitol one without effect my credit rating.
I formally requested that Ditech begin the process to remove the PMI from my mortgage in the beginning of XXXX 2015. XX/XX/XXXX I was contacted by a third party appraiser to schedule an appraisal and a few days later they informed me that my lender canceled the request. Since then, I have called Ditech around 8-10 times to follow up as to what exactly happened and each time the customer service acknowledges that there was some kind of issue which could not be explained but they were escalating my case to begin this process again. As of XXXX XXXX, I have not had any resolution and I have not been contacted by anyone to schedule an appraisal or by Ditech to continue this process of PMI removal. According to the standards of my mortgage, I satisfy all the requirements for PMI removal, yet Ditech seems to have done everything they can to prevent this from happening. At first it seemed negligent, but now it is clear that it is fraudulent. I have been paying PMI for 3 months longer ( and possibly more moving forward ) than I should have and I have adhered to their standards throughout this process. I have no resolution as of XXXX XXXX 2015 and after calling customer service today, I been told the same thing, that my case was moved to the escrow department and I should hear from someone in a day or so. But I never do.
We fell into financial hardship in XXXX of 2017. I am behind on my mortgage payments but I have been making partial payments to try and get caught back up. Sun Trust Mortgage knows my situation but they are continuing to make phone calls up to 5 times a day to the number provided. Obviously, someone 's financial situation does not magically change in just 2 hours between the phone calls. I have informed them of our situation numerous times but they continue with the calls. Like I state to them ... I am keeping the home and I will continue to make partial payments as I can financially afford them. I very much need to keep my home, and I am doing the best that I can to get caught up.
I took out a loan with Cashnet USA back in 2014, long before I knew that the loans were void in my state. I took the loan out to cover a short in regular bills. They began charging my account right away, and I ended out having to reborrow the amount that I had to pay in fees, just to keep up, after the first few payments. It became a cycle. The loan finally exhausted my funds completely, and I had to close my account to be able to make my regular monthly expenses. I found help last year from a company and a group that helped me understand that the loan was void. I paid the company to help me with payday loan issues, but they took money without actually working things out with CashnetUSA. The other was a non-profit group that helped me with the payday loan help company, and CashnetUSA. I think my balance at that time was {$300.00}, or so, though with the Line of credit loan, it was always hard to tell. Because the loan was void and unenforceable, I tried to move on, and I tried to get the money back through my bank, but that was not successful. So I just went back to paying my bills, and trying to recover from the hole the loan had left in my budget. Since then, I have had phone calls, emails and letter from Cashnet USA, telling me that I am behind. I do not wish to have them calling me anymore, but from previous contact with them, I was afraid to call them again, for fear of harassment by them or another entity.
XXXX XXXX XXXX XXXX keeps sending other debt companies to collect a debt that is not valid or owed. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX keeps using these companies letter after letter using bad tactics to collect a debt not owed.Stop harassing me about a debt not owed. XXXX XXXX XXXX
I was shocked when I reviewed my credit report and found late payment on the dates. I believe I made required payments, and there must be way too much substantial amount of unnecessary fees. Again, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I filed complaints XXXX, XXXX and XXXX. While the results from XXXX re investigation end in removal of the accounts in question from my credit report something is terribly wrong between the CBs investigations or the company XXXX XXXX XXXX XXXX XXXX XXXX is deliberately reporting different information to the different credit bureaus ... .someone is providing false information because Transunion claims to have updated the information. Furthermore, the accounts in question have yet to be removed from my reports in complaint XXXX. I try and have patience regarding these matters but the CBs seem not to have a problem putting the information on my report the same day it should be removed as well in a timely manner. I refuse to allow this to keep happening and will continue to complain until this matter has been satisfied. If the accounts are verified as mine then I will not deny them but playing around with my credit is doing serious damage to my credit and the next step will be a law suit. I have tried contacting Transunion by phone and the website and it says that the system can not access my account due to on going disputes but claims I can view the status ..but will not let me as of X/XX/2017
AmericanExpress Gift card numbers have been stolen, it is commonly known within their call centers but they are n't willing to help consumers reclaim the funds, or file for fraud - I have been on phone with their call centers in XXXX for hours now and still ca n't get put through their fraud center. AmEx knows this is going on - but are n't helping customers or alerting vendors that their card numbers have been stolen.
On XX/XX/2016 I received communication from Blatt, Hansenmiller, Leibsker & Moore LLC attorney office. The entity supposedly represents XXXX XXXX XXXX Successor in Interest of XXXX account XXXX. I 've never been in communication with XXXX XXXX XXXX nor received any correspondence that they have authority to collect any such debt from me. What I do know is that XXXX XXXX XXXX is a debt buyer who purchase massive amounts of debt for pennies on the dollar. Then hire entities like Blatt, Hasenmiller, Leibsker & Moore LLC to send debt notices and if the debtor does n't respond, this attorney office will file a judgement to garnish wages. Never providing proof of their authority to collect and if the debtor is time-based. 

On XX/XX/2016 I responded to the debt notice asking several questions in regards to who this attorney office was, if my debt was time-based and to show proof they own the account. They sent me several credit statements from various years but never answered my questions.
Once again, Citizens Bank uses creative accounting, by changing the order of transactions. From being overdrawn by one transaction to 5 and charging {$35.00} for each one. When I made a deposit to cover the one overdraft, another check came in, which bounced. now there are 6 overdraft charges. The last check they bounced was for my certification to XXXX in New Hampshire allowing me to go back to work, which now I will not be able to. The next group of charges will be for {$30.00} each and every day I am overdrawn, taking up all possibility of making ends meet, or replacing the check made out to the New Hampshire Treasury.
Equifax- XXXX XXXX Account # XXXX Equifax has continually listed the incorrect information on my credit file for over 1 year. I have been disputing this account and Equifax has continue to say that the Account was verify and is correct, I also did a consumer dispute with CFPB # XXXX against the original Credit XXXX XXXX which have verify the Equifax is reporting the incorrect date for first delinquency date which is causing the negative account to remain on my credit report and this account should have been purge/deleted XXXX XXXX. I disputed the account again after I got the letter with t with Equifax on XXXX/XXXX/XXXX confirmation XXXXand was given the same response even with the letter from XXXX was attached to the dispute. This is affecting my credit as I am being denied because of the outdating negative information. This account has been removed from the other Credit reporting agencies XX/XX/XXXX. I need some help trying to get this corrected, all my efforts have failed. I have attached a copy of the letter from XXXX and the results fro Equifax. Thank You.
In XX/XX/XXXX I was working with my lender at the time, XXXX XXXX for a repayment plan regarding the past due payments for the property taxes. When I submitted the documents to show my income it there and I can afford a payment plan I was told it was too late because the foreclosure sale was scheduled for XX/XX/XXXX. I was forced to file bankruptcy and when the sale was postponed to XX/XX/XXXX, I again attempted to contact XXXX XXXX for options. They told me my loan was being transferred to XXXX and I would need to contact them. On XX/XX/2018 I received the notice my loan was being transferred, I called XXXX for two weeks and they were still processing/transferring my loan into their system. It was not until XX/XX/XXXX that they finally acknowledged my loan and then said it was too late, the foreclosure sale date is now XX/XX/XXXX. How can this be fair? I did not ask for my loan to be transferred, especially in the middle of a foreclosure sale and the fact that they are keeping the sale active and not giving me any options to save my home is absurd and a violation of my rights. Had my loan not been transferred and had it not taken XXXX more than 2 weeks to acknowledge me, I would not be in the predicament again.
I believe that my personal information may have been impacted by the 2017 Equifax breach, based on querying for my info at https : //www.equifaxsecurity2017.comXXXX
XXXX XXXXXXXX XXXX reported that I was 30 days past for the month of XXXXXX/XX/XXXX to all three credit bureaus. I was not 30 days past due. I was past due but not 30 days. They also reported that I was 30 days past due for the month of XX/XX/XXXX, which I also, was not. I have attached my statements showing my payments were made within the reporting window and that extra payments were in fact made as well. They only reported that I was past due for XX/XX/XXXX to two of the three credit bureaus, XXXX and XXXX. They reported that I was on time for XXXX. 

Also, in XX/XX/XXXX they reported that I was 30 days late to XXXX. They reported that I was on time to XXXX for that same month. Again, I did pay past the due date however, I was not thirty days late. I have spoken with them on three different occasions and they refuse to correct this information. On one occasion I was advised that I was not 30 days late but that since my account was paid past the due date that it was within their rights to report that I was past thirty days. On another occasion the representative agreed with me but said there was nothing he could do but send me a print out of my payment history which I could provide to my mortgage lender, and on the last occasion I was advised that I had been late other months from the year prior and should just leave it alone.This is  impacting my credit unfairly and it is false reporting.
Not sure what type of company this is ( whether debt collector or not ) but they called me at XXXX XXXX at which time I was in a meeting. When I made it home I found out they called my husband, his ex-wife, my ex-husband, and my sister leaving a message that said they are calling to verify whether they have the correct address for me, for a pending matter and to avoid any further proceedings we need to contact XXXX Ref XXXX. When I contact the number I immediately asked for a supervisor and she went silent as if getting someone and I told my husband it did not make any sense they calling all over and she said, " We will call all over and whomever we want '', and then hung up the phone. I called back and again pressed 2 to get customer service and asked for a supervisor and the woman began trying to read off something at which I told her I do not want to hear anything because you have violated my rights and I would like to speak with a supervisor. She then proceeded to began to say how I will not talk to them raising my voice and I hung up the phone because it is apparent they this company is either so use to these tactics until they do n't know that they are wrong.
Back in 2014 I applied for a college credit card while I was attending XXXX University in XXXX New Mexico. The card was mailed to my old home address in XXXX New Mexico. I never got possession or activated the card. Within a few days it gathered a bunch of charges on the account that were not authorized because I had never even received the card. I called wells fargo to report the card stolen the cancelled the card but never got back to me about the charges.
I submitted an application to XXXX on XX/XX/2018 regarding assistance with the foreclosure on my home. I confirmed with the lender on XX/XX/2018 my application was received and they requested a hardship letter which I sent in. When calling XXXX today, XX/XX/2018, I was told the documents are received however they can not postpone the trustee sale because the attorneys will not postpone it if documents are not received at least 14 days before the sale date. No one ever told me this information when I spoke with XXXX and they told me to submit the documents which I did. Now, 2 days before my sale date I am told " too bad, too late ''. I called the trustee and they are telling me the sale is active and that the lender is the one who authorizes the postponement, so now I am being told different stories and even more stressed out. XXXX has my application, they should be aware of the HBOR laws and postpone the foreclosure sale while I am in an active loan modification review. I have been been assigned a single point of contact and they have never reached out to me, which are violations of the HBOR set in place for homeowners like myself!
XXXX XXXX used XXXX collections companied to file inaccurate derogatory collections on all XXXX of my credit reports. However, I do not have an account with XXXX, nor did I ever possess a XXXX account. I placed a credit freeze at each of the XXXX credit bureaus on my credit report files XX/XX/XXXX. Nonetheless, in XX/XX/XXXX, XXXX XXXX extended credit to a person in XXXX with a similar name, however I live in XXXX for the past XXXX years. I was subject to the Data Hacking if XXXX in XX/XX/XXXX. I have credit bureau monitoring of my files and I was able to remove the inaccurate derogatory collections. How did XXXX XXXX give approval for a new account in my name, while all XXXX of my credit bureau files are frozen? XXXX did not check this persons credit file.
On XXXX XXXX I wrote out a check for a vehicle purchess and after receiving the vehicle I found out there was more wrong with it than I was told, so on XXXX XXXX 2017 I called my bank to cancel the check I wrote. I talked to my banks customer sevice and requested a check cancelation and the person told me my check was canceled and would not be able to be cashed and be back in my acoount in 3 to 5 days. After 3 to 5 days with no funds returned I called my bank again to find out what was going on to find out that they had cashed check and there was nothing I could do about it because I have no control of my own money. I had to call my bank 3 more times to get the paper work sent to me to file dispute. I faxed paper work in on XXXX XXXX after receiving it on XXXX XXXX 2017. They sent me a denial letter dated XXXX XXXX 2017 the same day I faxed paper work back to them. What right does my bank have to tell me what to do with my own money and how to use it after I was initally told my check was cancelled!!
XXXX XXXX is stating that I still am delinquent on an account I never opened account # XXXX. I have disputed this with XXXX, Experian and XXXX itself. Please help! Date opened said date XX/XX/XXXX. with a balance of {$2300.00}. My question I keep asking them as well would be how could you ever get a bill that large ..they turn off accounts after 1 month of no pay which leads me to someone giving fraudulent amounts. Thank you so much for your attention on this matter XXXX XXXX
I opened a Gap credit card on XXXX XXXX, 2010. I had years of good payment history, however, soon after moving to XXXX, XXXX, despite notifying them of my new address, they were sending my bills to a XXXX XXXX that was in my mother 's name, in XXXX. I contacted them many, many times about this issue, and had previously submitted a complaint against them. I tried working with them, and they pushed me to make my payments online, but I explained that I paid all my accounts with checks, and did n't feel comfortable using their online platform to make payments. There were several attempts on my part to get my address corrected, and get my statements sent to my home. Each time, a rep assured me that the issue was corrected, but then I would never receive my statements. Finally, they contacted me to say that they were closing my account. I have 5+ years of history on this account and a good limit, all of which were good for my credit score. They closed my account because I missed some payment, but I missed those payments because they did not send them to me, and I could n't review them. Having this account closed negatively impacted my credit history. Now that the account is closed, they have finally figured out how to send my statements to the right place, and I 've been paying on time, like I always had, before this was an issue.
I received an email from a random person from the " student loan help center '' in Florida, saying they can help me get my loans forgiven because of my XXXX position. I was sold on the idea and now they are asking for 3 monthly payments of {$260.00} in order to get the paperwork started to have a monthly payment of {$0.00} for 120 payments. I knew something was fishy as soon as I got off the phone with them and they took down my card information and I never received an email confirming anything.
Account showing a delinquent or past due at some point I called XXXX and told them that I never received a billing statement for that month I have never been late on payments they told me not a problem don't worry your ok if you make the payment today which I did at the time it happened come to find out this has been a hard hit on my credit score for months almost a year.
Received from my employer, XXXX XXXX, XXXX Fl a {$250.00} Wells Fargo debit card for XXXX. 

Used my home phone ( XXXX ) to activate the Debit card and created a password ( XXXX ). 
On XX/XX/2017 purchased tile at XXXX, XXXX XXXX Fl, for {$530.00} -- using the Wells Fargo Debit card XXXX for {$250.00} and the balance was paid with my MC and XXXX card for {$280.00}. After full payment and use -- the Wells Fargo Debit card was lost. 
On XX/XX/2017 returned the unused tile to XXXX, XXXX XXXX Fl, for a credit of {$200.00}. The cashier put the {$200.00} credit against the Wells Fargo debit card by scanning the bar code from the original purchase receipt. The numbers I have for the above Wells Fargo debit card is, # XXXX -- do not have the???? string of numbers, and not able obtain that string of numbers. ( attached are XXXX purchase and return receipts of merchandise -tile, including XXXX return policy ). 

XXXX-original debit card purchaser, Wells Fargo Bank-Bank manager, seller to XXXX of the debit card-Visa Debit card services, including XXXX-tile retailer + customer service + store manager, has not been accommodating or helpful in getting my {$200.00} debit card credit returned. I now am not able to access or have use of my issued debit card credit of $ XXXX-returned tile merchandise, now currently residing at the Wells Fargo Visa Debit card account services and they are refusing to return the credit amount of {$200.00}. 
Can you please offer assistance?
On XX/XX/2015, I submitted a hardship letter to Wells Fargo the loss mitigation department expressing that I would be able to pay my mortgage due to a monthly increase in my XXXX mortgage monthly payment from {$1600.00} to {$2100.00}. This new payment of {$2100.00} for the XXXX mortgage plus a XXXX mortgage payment of {$390.00} gave me a total monthly payment of {$2500.00}. Since this payment is more than XXXX % of my monthly net pay, I could no longer pay the mortgage and have any kind of day to day life. After moving forward with notifying Wells Fargo, I think it was reasonable to think I would be a bit farther along in this process. I have completed every peace of paper work at least 4 times and I have yet to get any kind of resolution to my situation. The person my agent is constantly submitting paperwork requested without any resolution. This situation should be forwarded to any committee in congress that regulates mortgage finance. I have filed many complaints on this process and there should be some way to get this done a lot quicker than 6 months. My agent has submitted a contract with a buyer willing to buy the house through the short sale process more than 30 days ago, but due to Wells Fargo 's representative XXXX XXXX constantly asking for the same paper work to be sent over and over simply to harass my agent - is ridiculous. Again, my agent just sent all of the paperwork that was previously sent and we still do n't have any resolution to my problem. I really believe that I am being discriminated against because I 'm a XXXX female. There should be an investigation to see how many minorities get the run around when going through this process. The XXXX mortgage company - XXXX has approved the short sale and we are simply waiting for Wells Fargo.