WillisBack/dataset-financial-user-claim huggingface dataset:
This is about the Equifax data breach. The breach lasted from XX/XX/XXXX through XX/XX/XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. 
I am one of the many impacted by this data breach and want to highlight the impact it may have had or will have in the future, given the size and scope, true impact may never be known.
Care credit claims I owe {$1500.00}. I have requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I have requested competent evidence bearing my signature, showing that I have or ever had some contractual obligation to pay you. They stated I have made payments towards this account. I've ask them to send me a copy of the account payments where taken from. Whom the payments where being made from. They said they verified and confirmed my identity over the phone but if I am being threaten or scared into a debt, I am not sure what other information they could have received from me. I am requesting documentations
My husband passed away in XX/XX/XXXX and my income was cut in half with his death. I contacted Wells Fargo for recommendations to save money so that I could stay in my home. They suggested a conversion from my HELOC to a standard mortgage and I agreed. They put me on a trial period that significantly increased my payment but it included my escrows which looked indeed like a savings. I completed my trial period without missing any payments but during that time Wells Fargo began to send me notices that I owed escrow shortages and that they could not complete the conversion unless I took the house through an expensive escrow process. In short the conversion did not work out as it was costing me so much more money as well as all the surprise fees Wells Fargo was hitting me with made the reality of the conversion an untenable situation for me. So the conversion was cancelled and my loan went back to the original HELOC of {$360.00}. 

During the initial period of the attempted conversion I made 7 payments of {$600.00} almost double of what my HELOC payment was. The total payments were {$3500.00}. 
My calculations show that i am owed money back since the conversion did not take place YET on XX/XX/XXXX Wells Fargo 's XXXX XXXX insisted I was not to get a refund and instead I owed them {$190.00} to go back to my original HELOC. This is just not right. It's Wells Fargo so I paid the {$190.00} under protest. 

This conversion was supposed to help me as a widow and be stress free, it was in fact a horrible experience full of additional expense and tons of stress. I am asking for the return of the difference since I am back on the HELOC and that the conversion never took place. I paid them {$3500.00} for those 7 months, my payments would have been {$2500.00} so I am asking for the difference of {$980.00} plus {$190.00} that I paid on XX/XX/XXXX for a total of {$1100.00}. 

I will send you all the supporting documents, I have to have a neighbor fax or scan them to you.
I had paid a debt that was owed after my " incident '' about a year after i received a call from a collection agency stating that i had still owed money. They had already put a hit on my credit. They offered to lower it just a little if i had paid the full amount so i did even though i was frustrated because i had already paid the full amount a year prior. Fast forward to now 2018, With no prior contact through phone first i got a letter in the mail stating that i still owed the same amount that i had paid three + years ago. The second time i had paid them was because i had no proof of payment because there was no way to go back in my billing statements for that long. Now that i am getting another letter i have the same issue. I had never received a letter or anything from them that i had paid. THEY DONT SEND LETTERS AT ALL even though they are supposed to. This is the reason they are trying to collect the same amount because they know that they never sent a letter to me stating that i have paid this. I did not know they were suppose to do this since i have never dealt with collection agencies before. This incident happened almost 7 years ago, which in the state of Ohio there is a statue of limitations of 6 years. Why are they still trying to collect money, because they know they cant technically sue me for this but, still trying to collect more money that is not due without even validating the debt. They should owe me money for paying twice. They have not showed any proof that i even owe both times. Trying to get in touch with the creditor who sent this to a collection agency to see if they were even paid through them in the first place. This debt is invalid since their was no " confirmation '' or written letter thereafter. i believe this collection agency is not following its guidelines according to the Federal Fair Debt Collection Practices and Act. As of XX/XX/2018 there have been 460 complaints on the XXXX for Dynamic Recovery Solutions. This agency has many unfair practices in obtaining to collecting debts.
I have sent multiple request certified mail to have copies of the documents they have in your files as of this date that you used to verify the accuracy 19 accounts that are not mine or have all 19 accounts deleted. <P/><P/><P/>Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to demand that they disclose to me all of the documents that they have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit reports or such accounts be deleted immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). <P/>The last request was sent on XX/XX/XXXX and as of XX/XX/XXXX, they did n't do a proper investigation due to the quickness of the response given. I have NOT received any documents, saying that these accounts have been verified nor have they been deleted. <P/><P/>They are reporting inaccurate information on my credit report which in fact is a violation of FCRA.
Wrote letter on XXXX2017 to Credit Bureau of Lancaster County , Inc that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Advised Credit Bureau of Lancaster County , Inc. to remove incorrect information off my credit report. More importantly, Credit Bureau of Lancaster County , Inc are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from Credit Bureau of Lancaster County , Inc .
there was a gentleman unknown too me that used my credit card to pay his Georgia power bill acct # XXXX on 3 different occasions. The first transaction was on XX/XX/XXXX {$140.00} the second was on XX/XX/XXXX {$250.00} and XXXX more transactions on XX/XX/XXXX {$320.00} XX/XX/XXXX XXXX. I filed these transaction with my bank and they closed the case because someone did a balance inquiry check and they say they are unable to determine if fraud occured. I informed them that I did n't check my balance so It had to be the person that payed there bills with my card. they asked me to send in further documentation so I sent the a Power bill that I got from the landlord that was for the same amount and date which was on my credit card statement and the account name they still did not reopen my case so thet gave me the option to speak with the merchant directly so I have spoken to the merchant in regard to these transaction and was informed that they would credit the charges back to my account if I can give the full XXXX digit card number that was used to make the transactions I indeed gave them the card number and was told the transaction was in process of being reversed. I called to follow up the next day to see if the charges was reversed and someone told me that they ca n't reverse the charges because they are fraudulent and they told me that XXXX was misinformed to reverse the charges. they told me I have to contact my bank. So I informed to them that I do n't have a bank and the card that was used is a prepaid card. I gave them the dates, amounts and the whole XXXX digit card number in order for them to look up the charges they found them and I was told they would be credited back to my account by customer service Rep XXXX ID EXTENSION # XXXX
This is almost a 3 year old problem. I was told it was n't a legal loan, and they ca n't collect it, nor do I remember it. They have threatened to take legal action, several times. Called today 6 times, then I answer a local number and told they receive page work to have me arrest by other party was given 24 hours, that XXXX felony charges was to be filed on me tomorrow. This was XXXX mins after they email my sister XXXX XXXX, I said no during the call last week, he said he want to talk to my sister and I said no, he said he was going to call. Called local DA and was told to contact you. 1. I asked for some proof 3 years ago. Repeated calls, send email to my sister with all info and she was asked to sign it. I was yell at not allow to say XXXX words. Call on XX/XX/XXXX or XX/XX/XXXX told they had a SS ATM card demanded I give it to them. There is no way legally they could know that. Told them I did n't and only a saving account that they could n't debt. I asked for more info because I was told it was n't a legal loan in the state of OK. I do n't remember it. The call got worse they demanded I get a pre-play card. I informed them I was n't because I did n't have money to be put on it. They asked if I had one I said yes but NO MONEY WAS ON IT. I was threaten again I told him I could give him one but no money was on it. They caused XXXX dollars worth of damage to my bank account 3 years causing return fees, bills not paid and ACH run daily racking up fees on me. I 'm told those are hot checks. I 'm on XXXX and they ca n't garnish it, which did cause a garnish of a federal bill because they were cleaning out my account. I 'm still trying to dig myself out. I was asked if I owned a house, I said no, I do not own a house. His name is XXXX. 2 years ago after I asked for proof never heard another word until last week.
We have asked Chrysler Capital, the holder of our automobile loan and lien to provide the following to us 3 times now and they have refused : A detailed accounting of our auto loan including : Amounts Paid Dates Paid Means by which the payment was tendered/made Total payoff amount
I received an offer from Citi Bank. The offer stated that if I were to open a new Citi Gold checking account and make two online bill payments in consecutive months that I would receive XXXX thank you points. I called to see if I was eligible before I opened the account and Citi assured me that I was eligible. I opened the account and made the online bill payments. I then sent Citi a direct message asking them if I would receive the XXXX thank you points. They told me that I would receive the bonus points and that I had met the requirements. They told me it would take 90 days to receive the points. It has been more than 90 days and so I sent Citi another message asking about the XXXX thank you points. They told me this time that I was n't eligible for the bonus.
I have tried several times to get XXXX  XXXX XXXX to correct the current payment status on a loan transferred from them to XXXX XXXX. Their representative called to update me on the progress XX/XX/2019 and said they believe the payment status is being reported properly. I asked how a statement in plain english on my credit report saying I am currently past due on a loan closed 3 years ago could be accurate, and she asked me to fax any further documentation I had to her, and someone would look into it. I did that, but no one looked at it, or at least contacted me back. 

Evidently XXXX  XXXX XXXX used that phone call as a successful completion of CFPB complaint.
Pay Pal Credit issued a fraudulent credit card in my name that experienced more than {$1500.00} in charges, yet I only learned this after seeing their ( fraudulent ) Credit Inquiry on my XXXX Credit Report. The Consumer Financial Protection Bureau ( CFPB ) facilitated my request last year ( case number ending in XXXX ) that fraud be acknowledged, the account closed, and the XXXX inquiry be removed. 
Although Pay Pal Credit and their legal counsel mailed letters to my home with a promise to remove the Credit Inquiry, they failed to do this. Credit Reports have been pulled twice and XXXX insists Pay Pal Credit must submit a request directly to them. Pay Pal will not provide written evidence to me, nor resubmit their electronic request to XXXX. Instead, they insist I file " another official complaint '' to a XXXX address. 
I did not initiate a request for credit with them and am uncertain of information originally used to commit the fraud.I find it unreasonable to ask someone with no prior established-business relationship to submit sensitive personal information ( such as SS # and date of birth ) to a XXXX XXXX. 

Instead, I am again requesting CFPB assist in the removal of their fraudulent Credit Inquiry, negatively affecting my XXXX credit score.
Late last fall and into spring of this year, I was ill and was not able to work as much as I usually do thus fell behind on payments on this credit card. Additionally, when my husband went out of state for a job, he suffered very XXXX and was unable to return home for 3 months until released by the doctor there. I paid what I could each month in an effort to show the company we are serious about bringing our account up to date, and since early 2016, I have repeatedly called this company explaining our situation, even offering to send proof of our medical issues. Each time I have called, the customer service representatives demand large sums of money to be paid over the phone, do n't listen, refuse to transfer me to a supervisor despite multiple requests, tell me this company/bank has no plan for assisting a customer in catching up due to medical emergencies, that they will not temporarily suspend late fees, interest and now over-the-limit fees as due to their late fees we are over our credit limit. When I asked a customer service representative to close my account, I was told I could not close the account but that even if I could, the monthly charges for late fees ( charged when a payment is not made in full ), over-the-limit fees, and interest would continued to be added to our account on a monthly basis. The balance on our account grew each month by approximately {$120.00} in company charges. I would also note, I was told I could not close the account ; however, not long after my last request to close the account, we received a letter from the company stating they had closed the account. The current minimum payment due is over {$500.00}. Our total balance has increased to more than {$400.00} over the credit limit/around {$550.00} above the balance when we experience the loss of income due to health problems. We will never be able to pay off this card as it stands now because this company claims not to have any program in place for assisting customers in bringing their accounts current after major medical emergencies. This company has been made aware several times that we can not pay the high minimum payments yet they continue to add fees to our account. This is usury and a financial trap from which no one, apparently escapes ... ever. Of course, each time I 've called, I 've been " threatened '' that if I do n't bring the account current right then by making a large payment over the phone, our credit will be affected, which it has been as this company has reported the account delinquent yet did not bother to note the cause ... emergency medical issues.
i disputed a charge with  XXXX   XXXX    XXXX   in  XXXX  .i re ceived a call on  XXXX / XXXX /  XXXX   at  XXXX  am from someone who only identified himself as an  investigator  who was going to be serving me with a summons.when i told him to go ahead and serve the summons he said you are going to get  XXXX  in the  XXXX  with an american flag.i  hung  up the phone and blocked the number.
The problems I have experienced with MoneyGram have  all taken place over the course of the last week to 10 days. The first incident occurred XX/XX/XXXX. On this date I attempted to send my wife the sum of {$300.00} to XXXX XXXX XXXX. The transaction was processed and I was issued a reference number of XXXX. Before my wife was able to get to a location to receive the money it was canceled by MoneyGram. I spoke with a supervisor named XXXX in the companies XXXX call center who remitted the money to me but when asked why the transaction was canceled he was unable or unwilling to give me any information. At this point I did unfortunately become very rude with the individual. On the same date of XX/XX/XXXX a complaint was filed through the companys web site and I was issued as complaint reference number of XXXX. On XX/XX/XXXX I received and email from the companies Resolutions Assurance Department asking for more information on the incident. Unfortunately the phone numbers associated to the email simply routed me back to the XXXX call center who couldnt even find the complaint number. I returned the above noted email on XX/XX/XXXX and spoke with a supervisor named XXXX again in the XXXX call center who was quite rude and unwilling to help in any way. On XX/XX/XXXX I was permitted to send {$100.00} to my wife. On XX/XX/XXXX I attempted to send {$300.00} to my wife again using MoneyGram services as well as the XXXX to XXXX service ( I  found out later that this service is provided through MoneyGram as well ) both transactions were processed ( reference numbers were XXXX and XXXX respectively ) On the same date of XX/XX/XXXX I spoke with a supervisor named XXXX in the companies call center in XXXX and latter a supervisor named XXXX in the same call center. Both were again unwilling or unable to release any information regarding why the transactions were canceled.
I signed and agreed to be on a repayment plan with Navient. We went over all the amounts and what the payment amounts were going to be. I was paying for several months and then I got an alert about negative reporting on my credit bureau. 
Furthermore, I was making the payments every month for the amount we agreed upon which was XXXX per month. I continued to pay this and they were reporting all of my student loan accounts as 90+ days delinquent. This caused my credit score to drop to XXXX. I had credit cards closed and credit limits lowered because of this. My wife and I were in the process of trying to purchase our first house but this has put a hault on our plans. The payment plan started on XXXX XXXX XXXX. I contacted Navient about this situation on XXXX/XXXX/XXXX and had to speak with the collection department. They informed me that it was my responsability to make sure everything was up to date. I advised her that I was under the impression that I was on a payment plan and Navient was automatically taking the money out of my account each month. Not once did they contact me and say that the payment terms that I agreed to were not correct and that my accounts were past due. Navient continued to take my payments each month and still report my accounts past due to the credit bureau. I do not feel this is right because I agreed to a payment amount and set up automatic payments and I was still being reported as past due and I would not have known unless I got an alert about my credit. 
Navient called me on XXXX/XXXX/XXXX and left a voicemail on my phone which I have saved. The Navient representatives 's name was XXXX and he was from the office of credit collections department. He admitted that Navient made a Mistake and that they were working on fixing the promlem. The problem has not been fixed since then and I have not recieved another phone call from them to update me about this situation. This situation put me in a bad position and was one of the determining factors that made me decide to file bankruptcy because Navient had such a negative impact on my credit that I would not have been able to get everything back on track. I hate that this happened and just want to see what my options are because the majority of my student loans are with Navient and they ruined my credit after I worked so hard to get it to an acceptable level. I have also been being charged for late fees from over a year ago and I always set up payments with Navient. So this is starting to get ridiculous.
I requested my free annual credit report from transunion after requesting and receiving my credit reports from the other two only to be told that I had already requested and been given my transunion report. They told me I could buy one though .... I HAVE NOT already received this report. I always get them in XXXX 's, there is no reason I ever would have gotten just one, let alone the transunion report.
I noticed several collections on my credit from Trans World System. They took one emergency room visit and broke it down in twenty different segments and put each one on my credit. in the amounts of {$10.00}. {$5.00} and so on.
They never sent me a notice or anything they just put these errors on my credit.
I am a veteran and have insurance and am on XXXX and my insurance paid my medical bills.
This company really caused me a lot of harm..
I sent for validation of the debts and they are just ignoring me. this has been going on for six months
I bought a new car from XXXX XXXX in XXXX Kentucky on the date of XX/XX/XXXX. It is XX/XX/XXXX and as I was reviewing my statements, I found out the interest charged for the first payment was out of line with other months so I went on to create amortization schedule and verify if I was paying the correct interest and principal. 

I used the unpaid principal balance, numbers of period, and the interest rate on the installment sales contract to calculate the monthly payment that I should pay, as it turned out, I've been paying a higher amount than I should. Although the difference in payment is immaterial for the amortization term, I would still like to notify the company of this error and get it corrected. 

I called Honda Financial Services and explained the situation but they said I would have to talk to the dealer about it. Then I called XXXX XXXX and talked to a guy about the issue at the finance department. He looked into the issue and he told me the difference in the payment on my bill and the payment I calculated came from the extra days of accrued interest that added to the unpaid principal balance before I made the first installment. I was confused and it doesn't seem like he was really trying to help as he kept telling me I need to talk to XXXX XXXX as this is an interest rate question. I thought the conversation was going nowhere and I ended the talk. 

So my loan amount is {$19000.00}, amortize for 72 months at 1.9 %. I calculated the monthly payment amount to be {$280.00}, however I am paying {$280.00}. To back out the present value of the unpaid principal using {$280.00}, I get {$19000.00}, a {$15.00} difference in unpaid principal balance, I don't know where it came from and the dealership doesn't have an answer for me.