WillisBack/dataset-financial-user-claim huggingface dataset:
I was one of the MANY US citizens who has had their personal information stolen ( name, address, SS #, DL # ) during the Equifax security breach. 

Due to the negligence of Equifax, my most valuable personal information is now freely available to any who would wish to utilize it. 

This is completely unacceptable. I have never even used Equifax 's credit services before. I feel violated, unsafe, and have had to spend the entire day proofing my financials due to an incalculable misstep of an ignorant company and its crooked executives. 

Equifax needs to pay, in every sense of the word, for their incompetence in the face cyber crime.
My daughter under direction of her father and boyfriend was advised to apply for private student loans for college, they cosigned for XXXX and I was forced to cosign for another. I was never provided a copy of the actual loan terms or the fact that the payment would never be based on her income when it came time for repayment. She is XXXX and working part time due to her current medical condition and can not make the payment amount they are requiring ( $ XXXX/month ). In 2016 she paid almost XXXX in interest alone and only XXXX is tax deductible. If I would now begin to assist her with these payments I can not deduct any of the interest. I just want her to have the entire loan amount renogiated for a reasonable interest rate with the payments based on her income. If I could also have this removed from my credit that would be good since this was not a loan I had full disclosure on and now my credit score has been so damaged that I can not get a car loan and I am now constantly harassed by Navient phone calls. Please help. She is XXXX yrs old and entirely on her own, without some real help, she will never be out from under this burden.
I settled out an auto loan with XXXX XXXX XXXX XXXX XXXX on XX/XX/2018 and I have a letter from the credit union dated XX/XX/2018 indicating I settled out the account for {$3500.00}. I received a collection notice from R.A Rogers dated XX/XX/2018 indicating I owed {$6800.00}. I called the credit union on XX/XX/2018 and I spoke to a representative at approximately XXXX indicating the loan had been settled, I asked how the agency got my information and thought I owed the bill. I was told the credit union never notified the collection agency I had settled out the account.
Equifax is reported inaccurate addresses, names and SSN number on my report. 

Between XX/XX/XXXX- and XX/XX/XXXX, I have sent Equifax several letters and have made several calls asking them to remove erroneous addresses, names and SSN 's from my report with no avail. 

On XX/XX/XXXX, I sent Equifax a handwritten letter ( certified mail/attached ) asking them to remove all addresses, SSN, names from my report except for my current address, SSN, and name. 

Equifax is knowingly reporting false and incorrect information.
I was never late and they reported me 30 days late even after showing them the payment was sent in and on time. Capital one did this in the past to me as well and always refused to not report after showing and proving proof
I received a HELOC mortgage back in  XXXX  or  XXXX  from   XXXX   XXXX   During that time, I paid as required, until the mortgage crisis caught up with me in  XXXX . I contacted them to try to make arrangements, but they refused to work with me at all. The property securing the HELOC is in a foreclosure lawsuit that originated in  XXXX  of  XXXX , and  Regions  Bank was named as a Defendant and legally noticed at the same time I was.   XXXX   XXXX   did not respond or file any sort of answer into the court case at the time.     More than a year later in  XXXX  of  XXXX ,   XXXX   XXXX   filed an attorney appearance, and then, a month after that in  XXXX  of  XXXX , filed an Answer. In a hearing or status conference with the Court shortly thereafter, I specifically asked the question about the timeliness of   XXXX   XXXX   claim, and the judge indicated that their answer was untimely and they had lost their opportunity to be a part of the current lawsuit. I assumed the matter was closed and    XXXX   XXXX    claim was dismissed.     However, shortly after those events, in  XXXX  of  XXXX , I received a collections letter that appeared to reference the   XXXX   loan, from a company called   XXXX   XXXX    from  XXXX , MA. They indicated that they were now the " owner '' of the loan and demanded payment. I responded to them, disputing their charge, and requesting proof of their " ownership '' and documentation that   XXXX   XXXX   had transferred this loan to them. I received nothing, and heard nothing as a follow-up to my letter.     But in  XXXX  of  XXXX , some  XXXX  years later, I received correspondence from  XXXX ,  XXXX  and  XXXX , LLP from  XXXX , GA. In this letter, they appeared to indicate they were representing   XXXX   XXXX   directly, but due to the history and the purported selling of the loan to   XXXX   XXXX  , I was quite suspicious. I contacted them, disputed their claim and requested proof of such. I have received nothing, but another demand letter that clears up none of the issues I cited in my original letter, and does nothing to establish who they represent, much less who is now claiming I owe them money.     So, on  XXXX   XXXX ,  XXXX , I sent yet another letter to  XXXX ,  XXXX  and  XXXX ,  XXXX , explaining again my suspicions, and requesting again, for them to show proof of who they are representing, as well as proof that whoever they represent has a claim against me and the nature of that claim.     I am informing your agency of this matter in advance, as I suspect I will continue to receive the run-around from this firm, as has been the case in all collections matters in which I have been associated.     I am requesting that you see if you can find out why these people are harassing me, what the nature of their claim is, and strict proof that this loan has not been charged off, dismissed and retired.     I have attached the last letter I sent to  XXXX ,  XXXX  and  XXXX  containing specific dates of all the events outlined above.
They contacted my employer to collect a debt, my employer is a corporate company who does not accept these calls. I can lose my job if they continue
Noticed a negative item on our credit report from Money Recovery Nationwide. Sent a dispute letter on XX/XX/2015 and did not hear back from them until XX/XX/2015 regarding the alleged debt, with their own statement and none of the required pertinent information I requested. Spoke to them stating that this debt is not ours and asked them to remove it from our credit report and they unprofessionally declined. I begged and pleaded with them and got nowhere. I asked to get transferred to a supervisor who could assist me and was disconnected. 

We have never received services from the creditor that Money Recovery Nationwide is alleging we received. The small amount of the alleged debt itself is evident enough that this is not our debt. Had this alleged debt been validated, has requested, we would have had no problem paying this diminutive amount. The fact that Money Recovery Nationwide reported negative information to the credit reporting agencies, without XXXX confirming, verifying & making absolute certain the alleged debt indeed belongs to the parties listed, is a violation of the fair credit reporting act. 

We just want this inaccurate information removed from our credit report as soon as possible. Any assistance would be greatly appreciated.
I disputed an Collection on my credit report back in XXXX of 2016. Both XXXX and XXXX both removed the item from my credit report. After a month later, the collection showed back up on my credit report. It was now under a different Collection Agency name. With a slightly different amount. I contacted the Credit Agencies, and was told that I needed to dispute the amounts again. This time, the results of the dispute came back as the item belongs to me. 

I was only able to upload my letter from XXXX showing the removal of the collection. The XXXX removal is connected to my XXXX XXXX account. Which I am unable to upload.
I received a call from a mortgage broker from XXXX XXXX on XX/XX/XXXX. She said she was returning a call about a refi I had applied for. My BK has not been discharged a year so I told her I did not apply for a refi. I thought someone was trying to steal my identity so I began to ask her questions. When I got to the bottom of the problem it turns out that Nationstar mortgage had applied for a refi in my name on the XXXX website. I did have a mortgage with Nationstar but it was included in my BK. I do believe this is predatory lending on behalf of Nationstar and XXXX. I also believe this is against the Fair Debt Collection laws since my BK was discharged in XX/XX/XXXX.
American Educational Services has breached the loan agreement ( " Agreement '' ) underlying my account. Since graduation in XXXX, this loan has switched servicers multiple times. It was initially handled by the XXXX XXXX. 
Pursuant to the Agreement, a borrower benefit of a reduction in interest rate, after XXXX on-time payments should be in place. 
In or about XXXX XXXX, AES began servicing this loan, inheriting the account from a prior servicer. In or about XXXX XXXX, I received notification of this change, and a form to initiate automatic payments from my checking account to AES. This seemed strange to me because the loan had always and has always been paid via automatic payments, and AES 's succession as servicer should not have altered my prior ACH agreement and long-time record of on-time payments. Nonetheless, I filled out the AES form and conveyed it to AES immediately upon receipt. 
Despite this conveyance, AES wrongfully stated that my XXXX XXXX payment was not made in a timely fashion. As a result, I was deemed permanently ineligible for my borrower benefit of a reduced interest rate. 
As mentioned, every payment ever made on this account has been made pursuant to automated ACH payment. If AES deemed any payment " late, '' such lateness was due solely to AES 's own negligence, breaches, or other wrongful acts. I did not learn about AES 's wrongful breach until XXXX XXXX, at which point I complained to AES and informed it of the facts of the situation. AES ignored the facts, and sent me a conclusory response denying reinstatement of the benefit without any explanation whatsoever ( response is attached ).
This is old debt sold to a collector who now shows this as new debt. Should have been off my report by now.
never had account with these people and can not show me an contract that i sign but reporting to credit bureau
I have been in continuous contact with Experian regarding updating my personal information. I have documentation submitted to me from their office showing that my personal information has been undated. My current address is still not reflected, information that was removed from my credit report is now back reporting, and fraudulent accounts that have been verified by myself and the creditor are still reporting. 

I have been in contact with their office via mail and phone and have received documentation that the inaccurate information has been removed. Only to pull my reports today and see that they are still reporting.
My mortgage was with XXXX mortgage and I was working on a modification and just before a decision was made the loan was sold to XXXX ( loan is serviced by SN Servicing ). While the loan was still with XXXX, I hired a company by the name of XXXX XXXX ( owner XXXX XXXX ). They told me to not make my mortgage payment and they will secure my modification. After I received foreclosure correspondence from XXXX. After receiving the notice from XXXX I found out that XXXX XXXX was a scam. That forced me to have to file a chapter XXXX in order to keep my home. They claim that I owed them over XXXX in arrears which does not include another XXXX in escrow shortage and behind payments. I did not have any records to dispute it so I am now paying {$1600.00} in my BK which goes to them. My mortgage is {$2700.00} a month which does not include the {$1600.00}. I have tried for several years to get a modification with these investors but they basiccally told me to keep doing what I am doing and if I cant pay I will be foreclosed on. I even suggested that they can take my payment up some so I do n't have to pay so much monthly, but they said no they do not care. Even the servicing company tried, but they are still saying no to anything that would help me. It is like they want me to give up my home so they can sell it.
On XXXX XXXX, XXXX, I spoke with a representative at Citi Bank about a payment plan. I am XXXX past due and can not afford that due to family obligations, bills, and a lawyer earlier in the year which was all stated in the recorded phone call. I stated REPEATEDLY that I did not have the funds in XXXX to make a payment. He came back and told me we could settle on an agreement of XXXX per month for 5 years at zero interest. I agreed, once again stating that I did not have the funds for XXXX and starting XXXX XXXX, XXXX and the XXXX of every month after, I could pay XXXX a month. On XXXX XXXX, XXXX I recieved a letter stating that this agreement was terminated due to no payment when I did n't have a chance to pay because it 's not XXXX XXXX. Once again, I stated repeatedly I could not pay in XXXX and that was not an issue to him at all. They made NO EFFORT TO CONTACT ME AND SENT MY ACCOUNT TO COLLECTIONS. I call them on XXXX XXXX, XXXX demanding I speak to the same guy I originally made this deal with or forward me to some type of XXXX or supervisor to deal with this. The lady on the phone refused to transfer me and lied to me saying she could n't access my account anymore. I was just on my account that morning so I knew she was lying to me. I go to log on again not even 3 hours later and I 've been blocked from my account, and have no access to see anything. The point of this complaint is that they did not follow through with their side of the agreement, when I told them multiple times I could NOT pay in XXXX and made NO EFFORT TO CONTACT ME. Please take the time to listen to the recording from XXXX XXXX, XXXX.
I purchased airline tickets in XXXX XXXX 2017, in the amount of {$1900.00} for travel on XXXX XXXX XXXX. On XXXX XXXX my flights were cancelled due to a pilot strike on the airline, XXXX. I requested reimbursement by the airline on that date, which I was told I would receive within 30 days. After 30 days of not receiving my refund, I disputed the charge with my credit card company, Capital One, and was told on XXXX XXXX, that I would be receiving the refund within 3-5 business days. I questioned if the funds could be send directly to me, rather than refunding my credit card ( which would put my credit in positive ) and was told that after 30 days if there is a positive balance on my card, that I would receive a check. on XXXX XXXX, I have no received a credit. I called Capital One to follow up and was told that my request is under review, because it is outside my XXXX XXXX or 120 XXXX days since purchase. I explained that the cancellation occurred well passed that window, and was told that I was given incorrect information by the previous customer service representative that told me that it would not be a problem in the least. now, I am here 2 weeks later with no refund from my credit card company that I purchased the flights from.
I have many issues with this collection agency. 
Problem # 1 My husband and I had a medical hardship and fell behind on our bills. Once back on our feet we filed a Wisconsin XXXX amortization and paid all of our debts in full. After the plan was complete PRA group stated that we over paid on two of our accounts ending in XXXX and XXXX. They sent us two refund checks. One for XXXX and one for XXXX. We deposited the two checks in our account and about a week later we found out that the company put a stop payment on both of them which resulted in us owing bank fees. Now they have sent us two more checks for the same exact amount and I am afraid to cash them since the last two bounced. 
Problem # 2- My husband recently received a notice stating that his " XXXX/XXXX '' account was paid in full. We never had a XXXX account. This leads me to believe that we unknowingly paid off someone else 's debt for them. We asked a customer service representative about this debt and she said it was for a XXXX card but gave us no other information. 
Problem # 3 This agency refuses to report my XXXX judgment as paid to the Wisconsin Court system as they say they have no record of the XXXX plan being filed and satisfied. I filed a complaint with your agency about this issue recently. Considering this company actually owes me money I think that this in itself should prove that this old debt is paid in full.
i tried to open an account .the bank open and closed it right away. ny name is XXXX XXXX XXXX born XX/XX/XXXX ss is XXXX born XXXX ohio
In 2014 I transferred my XXXX account to my roommate prior to moving to a new home. Paper copies of the transfer were signed as well as confirmation made with XXXX after the papers were filed with them. 

Since that point, I have been contacted 4-5 times from collections agencies who XXXX has hired to collect on bills incurred after the account was closed. When I have called XXXX about these charges, they have informed me that they have no records of my communications with them occurring ( including the previous 4-5 times that this has occurred ). The typical resolution after 1-2 hours of time on the phone is that XXXX has " sorted out '' the issue, which they admit is their wrongdoing, before informing me that they 'll let the collections agency know. 8-12 months later, the process has repeated.
I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX while I was living in XXXX, Alaska. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last thousand or so dollars was turned back over to the State through the Alaska Commission of Post Secondary Education to satisfy the remanding balance of the loan. The Alaska Commission on Postsecondary Education sent me a letter verifying the debt had been paid. The Education Loan I am referring to is : Education Loan Number : XXXX XXXX XXXX in the total amount of {$6700.00}. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska Commission of Postsecondary Education regarding this in late XXXX maybe early XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX   XXXX. XXXX XXXX XXXX XXXX, PA XXXX Disputed Sums, Navient XXXXXXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, NY XXXX Alaska Commission on Postsecondary Education XXXX. XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska Commission of Postsecondary Education stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney Generals Office, and Federal Trade Commission. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, AK XXXX XXXX XXXX XXXX
There is a negative collections on my account that I am unaware of : Collections Co : Midwest Recovery System Original Creditor : XXXX XXXX XXXX Date of first Delinsquency : XX/XX/XXXX Date of Assigned to Collections : XX/XX/XXXX Amount owed : {$120.00} This is the first action that I have taken.
I read XXXX review of most competitive checking accounts and decided to join Simple Bank. An issue arose when I tried to complete my application. Upon following up with Customer service, two separate employees let me know that Simple only offers accounts to U.S. Citizens. 

I inquired more about this policy and a member of the customer relations team reached out and declined to provide more information. I am a non-U.S. citizen legal permanent resident of the United States. I have legally resided in the U.S. Since XX/XX/1999. I have never encountered such a policy with an American bank. Simple Bank never sent me a notice to officially deny my application to join their bank.
In recent review of my credit reports from the XXXX major credit agencies, I see that XXXX different creditors are reporting the same account. I request a total deletion under the FCRA, according to my understanding of the Fair Credit Reporting Act, their duty as creditors is a to accurately report all accounts and to correct any and all mistakes as found by their accounting department or by myself as a the consumer. I thank you in advance for upholding the federal law as indicated by FCRA, and removing these accounts immediately. 

XXXX / XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX account # XXXX Midland Credit Managemnet XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX
experianXXXX XXXXaccount showing a balance of {$5000.00} ( should be XXXX ) account showing collection/charge off ( should be unknown ) account was included in chapter XXXX bankruptcy filed XX/XX/2015
I always pay my bank of America bill on the due date at night once I get home from work and get my family settled in for the night. Last month, I did this and it said the system was down for maintenance. I spoke with a customer service rep who said no late for would be added since it was their fault. So I called the next morning and paid the bill. Again I spoke to a customer service rep who said she could not see where a late fee had been added but to check my bill and let them know. I got my bill this morning and there was a late fee. So I called a third time, the woman I spoke with waived the fee but advised me that I needed to pay in the morning or a few days early because they always do maintenance at night. I explained to her that night was the most convenient time for me the customer, and if that were the case then they needed to move my due date. She then tried to set me up on automatic drafts, I explained that I was perfectly capable of keeping up with my finances better than they ever could. She told me that they had advised me of the fact of the updates at night and they would not be able to waive the late fee again. I would like to write someone a message or email at bank of America but there is noway to contact them other than by phone or writing, so here I am. Updates should be done between the hours of XXXX and XXXX to avoid inconveniencing the customer and adding a late fee when its their fault. I have never had a customer service rep be so rudde to me and tell me it was my fault when I tried to pay the bill on the due date but it was their system that decided to update on my due date.
Ive been locked out of my Coinbase account, and unable access all digital wallets. Ive called Coinbase multiple times, sent multiple emails, and am still unable to access my account.