WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax recently had a major security breech ( XXXX2017 ), failed to inform 140 million affected customers for five weeks (! ), had three executives sell stock worth millions (! ), did an incredibly poor job of managing mine and 140 million of my closest friends Personal Identification information, and then created a " Fraud '' alert system ( XXXX XXXX ) which opts consumers into legal situations were they may not join in a class-action lawsuit. This behavior and conduct is completely unacceptable.
I enrolled in a 90-day fraud alert to hopefully protect myself.
This is my 2nd time coming to CFPB for help. This is my 2nd time to trying get a result. I wonder can something be done. As explained before back in XX/XX/XXXX I was a XXXX  victim. I had a XXXX. It was a most horrible time a tragic period. I'm still making a comeback. With job and life, I can not work fast, I have to do things slowly very slowly. I spend almost 2 weeks in a hospital one to next. Back in XXXX my wife left me to pay all the bills I did the best I can. But I came up short so I asked the bank to help. They did what they can. I was approved for a loan medication when I got the hospital. I explained I just got out the hospital I can not start paying on it now, they explained to me just re-apply it will come back approved no problem. I called several times and again and again they told me the same thing. Just apply again it will comeback approved. Are you sure? Yes, was the answer. When I try to apply now I cant get a approval from them. I've asked them several times. Now, its always no.. I don't know what to do. What happened to before. Who can I contact. They guarantee me something before. They assured me I would get approved. What can be done? I got put into a hospital under a life on death watch. It was not my fault. Just one more chance, just one more shot. I will pay on time. Please, I was not working when I got out the hospital could not pay a penny until I got well. Now, I willing to pay. I could not walk, or talk or write. I couldn't do anything for myself. Now, I can do a little for myself. Please help me, thanks for your time.
On XX/XX/2018 a refund of {$20000.00} was issued to me from a travel tour company when I cancelled the trip. I asked mastercard to transfer the funds to my personal check ing account on XX/XX/XXXX.. they agreed and said it would require between 3 to 5 business days to make the transfer. Yesterday XX/XX/XXXX was the fifth day. The funds have not been transferred as of XX/XX/XXXX. Yesterday I called Mastercard and spoke with a supervisor named XXXX. When I demanded that the funds be transferred immediately and without delay she apologized and said a " team '' was reviewing the request because of the amount of the credit. when I demanded to know why she could not offer an explanation. In the meantime Mastercard continues to deduct charges from the balance.
Chase Bank is asking their credit card holders to fill out an authorization to release their SSN to Chase along with a XXXX form. They claim it 's in the name of identity theft protection. Failure to do so will cause the account to be closed. No other credit card company is asking for this and the mere act of mailing it puts my data at risk. 
Credit is a competitive business and I have options. However, many others do not and would face inconvenience and possibly higher fees due to a change in circumstances. Plus Chase is n't going to assume liability for the inevitable mail fraud that will take place. Bringing the forms into a branch is n't an option when there is n't one close by. Oh, and did I mention - they say it 's for verification of my SSN? Which they already HAVE?
AMERICAN HONDA Finance has posted DEROGATORY CREDIT REPORT. In XX/XX/XXXX I spoke directly to Honda Financial Services and was promised that any negative report would be removed. XXXX XXXX  XXXX sold the vehicle I returned to Honda for an outrageous amount making three times the difference of money owed. I was notified at the time Honda sold the vehicle and requested to sign a release of ownership. Later, as years have passed seems a personal intention to damage my credit. This account was deleted. Promises to delete were made by e mail by Honda Financial. However this account appears again not only after was deleted, but in violation to the California and Federal rights. 
Credit was closed in XX/XX/XXXX. Not only this derogatory reposted credit has ruined my reputation, but I have received a letter from XXXX lowering my credit line due to Honda derogatory credit. 
In the State of California as in USA, 7 YEARS after a credit age, the credit has to be removed. Worse if the postings bring defamation to the life of a Citizen. 

Under the United States Court of Appeals, Fifth Circuit, Case No. XXXX, XXXX XXXX vs. XXXX, XX/XX/XXXX. Court Ruling Section 1681o authorizes a consumer to recover actual damages sustained from the consumer reporting agency 's negligent violation of a requirement under FCRA. 
Actual damages include humiliation or mental distress, even if the consumer has suffered no out-of-pocket losses for derogatory credit defamating my character as it is, especially after having spoken with Honda Financial and having Honda promised to delete the derogatory adpect and the credit. Honda never  released the total amount of sales, yet they notified the vehicle had been sold with sufficient funds to have the credit corrected.. The credit was opened on XX/XX/XXXX and vehicle re-acquired by Honda few months after.
I 'm trying to get my own place but every time I try I get denied because of bad credit, I 've had numerous bills in my name I did n't know about that my mothers been doing since I was young she 's used my information for bills that I never had or new about till now she messed up my credit by not paying the bills on time, letting them get sky high, or not paying at all I ca n't even get a home because all the bills I have in my name, when she threw me out she would n't give me my social, my birth certificate, or I 'd so now she 's ruining my credit what can I do about it
I am a parent looking at what my husband and son signed to borrow for college. By the time he is done with school, we probably will owe $ XXXX. For the XXXX loan, we will be owing 6.31 % and the fees are 4.276 %. If the money did n't come in on time for us to make the payment when the fees are due, we have an option to make 3 payments to the school, at the additional {$35.00} charge each time for a {$840.00} payment ( 4.13 % ). This case scenario, my husband and I will be owing 14.716 % on a $ XXXX loan. Please explain to me how 14.716 % is acceptable for a borrower with good credit who is just trying to help his kid out?
I never gave my authorization for this dealership to pull my credit XXXX different times. I never would have believed that a dealer would run my credit so many times. This has messed up my credit score and has made it very hard to even get financed through any other dealership. I sent out a certified letter to dispute and request proof of where I gave my authorization for my credit to be pulled XXXX times. They pulled my credit XXXX times the day I stopped by their dealership I found out, but then pulled it again after I had left the dealership calling me about they are able to get me a lower price. I did n't know they were pulling my credit all these times and it was not with my consent. I sent them a certified letter to have the proof of my authorization to pull my credit. I have a receipt to show they did receive the certified letter, gave them over 30 days to respond but they have not sent anything back nor contacted me. I now would like to take action against them. I have attached all corresponding letters with the dispute.
Card was set up without my consent. My wife made payments but the card was never used by me or my family.

BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX
Date Opened: XXXX
Responsibility: XXXX XXXX Account Type: Revolving Account
Balance: XXXX
Date Updated: XXXX Last Payment Made: XXXX
Pay Status: >Charged Off< Terms: Paid Monthly
Date Closed: XXXX Page 3 of 52 Loan Type: CREDIT CARD High Balance: XXXX
Original ChargeOff: XXXX
Credit Limit: XXXX Past Due: XXXX 
>Maximum Delinquency of 120 days in XXXX and in
There are three hard inquiries on my bureau where I did not apply or give permission for anyone to apply for a loan in my name with XXXX XXXX, XXXX XXXX and XXXX XXXX that same day of XX/XX/2017. I have contacted XXXX as they are local and they did not have any documentation on me whether ink signed or Esigned. where I asked for credit. I have requested these three hard inquiries be removed several times from Equifax and nothing has happened. Please help me with this. 

Thanks XXXX XXXX
None of the information on the credit bureaus are mine. I have been complaining about this for years. My  XXXX ,  XXXX , and Equifax are completely wrong.. This severe fraud is not right. I need my due process. I need this taken care of immediately!!! This is causing very serious complication in my life. Please help me resolve this asap.
I am an XXXX woman and was told that the best rate was being given and I was going to have to pay for closing and the rate was going to be lower than it was. They sent the agent over to my house to go over the paperwork for me to sign. I have n't received my copy at this time yet. So why looking at and listening to what he was saying. I said I did n't want to proceed. That it was n't what I was told and it did n't seem like it was going to be the best thing for me. I was then informed that I can sign the forms and have time to not accept or cancel them. After I spoke to Quicken loans. When I contacted them they said it was to late. That it was already done. I told them that I was told I had time to speak to someone about this. and was told again its to late. XXXX XXXX. XXXX XXXX contacted me and told me that he was going to keep going back and forth with me, That its already set and done. That I had 3 days to think. And the check was in the mail. If they count the weekend as days to think and not answering the phone Monday morning. I just do n't know what to do or say. But this deal I did n't want or would of considered. I thought it was a type o and they where going to fix it
I am being over-charged for medical services that I did not receive. I tried explaining this to the collection agency and they refuse to take my claim under consideration. They insisted on me paying the debt regardless of the fact that I was billed, along with my health insurance company, for services I never received. I did receive medical care XX/XX/XXXX thru XX/XX/XXXX, which during this time I did have health coverage through XXXX of XXXX TN. My only outstanding balance at this time was a little under a {$200.00}. I was then transferred to another physician per their request XX/XX/XXXX and in XX/XX/XXXXI received a bill from the collecting agency stating that I owed {$1000.00} far more than the {$200.00} that I knew was outstanding. I was receiving XXXX XXXX and I stopped being cared for by this physician in my 24th week. This doctor is trying to charge me for the remaining 15 weeks which no care was provided.
on XX/XX/XXXX I called capital 1 regarding XXXX and I was advised they would be removed all but XXXX which was acceptable as I have had terrible problems with capital one and their sleazy banking so I deducted XXXX from my balance and sent a ck for XXXX. I received my new statement and found I had a balance of XXXX this looks like interest on top of interest.I thought that was illegal! Called to have the interest removed to XXXX out the balance and was told it could not be done .Called again today and was told the same thing system would not allow. XXXX can only be removed 3 times in a year!!!!!!!
There is a public record, " Bankruptcy, '' reported in my credit file. The bankruptcy is a ChXXXX which was filed in XX/XX/2010. The law clearly states that this record can not be on my credit report for longer than 7 years. XXXX and XXXX state that the information they are receiving regarding my dispute with the reporting of this information past the legal parameter of 7 years states that the bankruptcy is a ChXXXX. This is fraudulent information. 
The case was converted to a ChXXXX. 
The law clearly states that the bankruptcy it is to be reported to a credit bureau as it was originally filed and when it was originally filed ; with that being a ChXXXX in XX/XX/2010. The record can not be reported as a ChXXXX be side it was not. It was converted to a chapter XXXX with the same case number and filing date. I DID NOT FILE A CHXXXX IN XX/XX/2010 LIKE THEY ARE REPORTING. THIS IS WRONG AND FRAUD
We have had a Citi Master Card for many years and are Charter Members. However we have had our credit card used fraudulently on 3 separate occasions. Each time it appears that the data was obtained via hacking of data of business that had our info. What gripes me most is in trying to deal with the customer service people you are always connected with off shore calling centers with foreign speaking representatives. As XXXX it is very difficult to understand these dialects and nearly impossible tro communicate with them. I even wrote to Citi and complained about it and asked if they could not flag our names or numbers to connect with American speaking representatives. I was contacted by a XXXX manager who admitted they use off shore customer service for cost only and they were not going to make it easier for customers such as we. I would really like to determine a credit card company that still gives great fraud protection and English speaking customer service. Thank you!
I applied for a mortgage loan with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX informed me that my application was denied. One of the reasons given was " Excess Obligations in Relation to Income ''. A DISCOVER account was considered as an " obligation. '' DISCOVER confirmed to me by letter dated XX/XX/1996, that my name was removed from the account. They lied. The account continues to " impact '' my credit worthiness.
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required ID information. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : Experian XXXX ACCOUNTS XXXX  XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt COLLECTIONS XXXX XXXX XXXX XXXX XXXX {$410.00} unverified debt XXXX XXXX XXXX XXXX {$1100.00} unverified debt XXXX XXXX XXXX XXXX {$2600.00} unverified debt
I thought this issue was resolved in a previous complaint ( XXXX ). Unfortunately the situation has only gotten worse as CitiBank has not provided the resolution that they promised. 

On XXXX XXXX, 2016 I received a letter in regard to my last complaint that I thought was a satisfactory resolution. " After reviewing XXXX XXXX claim, we discovered there was a misunderstanding involving our promotion disclosure. As a result of this, we will be honoring her request by crediting XXXX AAdvantage miles to her AAdvantage Member account within 60 days. '' Unfortunately it has been over 60 days and I have yet to receive the miles that I was to be credited with. 

On XXXX XXXX, 2016, I contacted Citibank to inquire about the XXXX miles that I was to be credited. They said that I should have already received them, and even asked for my AAdvantage account number so that the miles could be credited. 

On XXXX XXXX, 2016, I received a letter saying that I would not receive the miles as I was already credited with XXXX points for a different promotion ( I was not, and this issue was clarified in the original response to my first complaint ). 

On XXXX XXXX, 2016, I called Citibank to try to clear this up. I spent about an hour on the phone with a representative and they eventually came to the same conclusion that I would not be credited for the miles because I had gotten points from some other promotion ( again, I did not receive these points ). I asked if there was anything I could do to avoid contacting the CFPB again, but there was n't anything. 

At this point, I am extremely frustrated with this situation. I feel like I 've been consistently lied to and jerked around by CitiBank. I have a letter in front of me clearly stating that I should have received the XXXX AAdvantage miles by now, but somehow I 'm still completely helpless to do anything about it. The AAdvantage miles were the only reason I signed up for this checking account in XXXX, and I ca n't believe that I am still having to deal with this issue, and I am shocked at how unhelpful CitiBank has been when I 'm not submitting a CFPB complaint. I should not have to do this for a simple promotional offer. 

At this point I still have a significant amount of money wrapped up in my Citi Checking account for the purpose of avoiding fees. I was even charged other fees to have my account open before I chose to put a lot of money in the account to avoid this. Now I am stuck with this account that I ca n't close because I 'm still waiting on my miles, and I ca n't even take all my money out of it because they will charge me fees because I have n't maintained a high enough balance. 

I am attaching the CFPB response from Citibank that I received on XXXX XXXX, and the response I got from Citibank on XXXX XXXX when I inquired about my missing miles.
I am a victim of identity theft. My personal information was compromised and fraudulent accounts were opened without my consent or authorization. 
As a result, I sent this company my dispute letter on XX/XX/XXXX explaining my case. I even attached Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act. 
But to my surprise, this company up to now failed miserably to investigate my claims and is still reporting this fraudulent accounts. For yet another last time, the following accounts are as a result of fraud : XXXX XXXX, ACC #  XXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX XXXX, ACC #  XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX, ACC #  XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1600.00} XXXX XXXX XXXX, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$8500.00} XXXX XXXX XXXX XXXX, ACC # XXXX, Opened Date XX/XX/XXXX, Highest Balance {$620.00} This letter is a written proof of my intent to find a resolution for this case failure to which I will file a lawsuit against this company.
Bank of America sold my loan to XXXX and never notified us. I found out when I tried to pay my mortgage and now XXXX will not let us make a payment until XXXX XXXX. We need to pay it now because we 're closing on the XXXX of XXXX on another property and all the paperwork is reflective of the payoff amount minus the last payment.
Prince Parker and Associates, contacted me multiple times about my payment of {$310.00} for a medical bill I owed. I paid them once on XX/XX/2018 and have a receipt for this. They sent me an email again on XX/XX/2018 and multiple letters in the mail. They called me again on XX/XX/2018 and told me the previous payment did not go through and collected another payment again from me which was processed on XX/XX/2018. When I was looking back at my accounts, I found that both payments were successfully processed. 

I tried calling them twice but it keeps going to the voicemail after a long wait time. I will try again but I would like to register this complaint so this does not happen to others. 

There are several complaints already against this agency when i looked online. I want CFPB to take appropriate action on this agency.
Experian and XXXX report my XXXX XXXX XXXX credit card two times. 1-as " lost or stolen ''. 2. as paid on time satisfactorily. The " lost or stolen '' is also reported as Derogatory Information by Experian. 
On XXXX/XXXX/15 I phoned XXXX XXXX XXXX to voluntarily cancel my cc because I had n't used it for a long time. I got caught in a telephone loop and finally yelled " LOST CARD '' hoping to speak with a live rep. The loop continued to say that I would be sent a replacement card. I hung up and immediately phoned again. After another 15 minutes of telephone loop I somehow finally got a real live rep. Told her that I had just previously reported my card as " lost '' hoping to get a rep. That the card was in my hands and NOT lost. Told her not to send a replacement card and that I was voluntarily canceling the card. She corrected their records to reflect a voluntary cancellation and not a lost/stolen card. The above XXXX credit report agencies are still double reporting this card as mentioned above. They should correct their records and report the card only one time ( not two times ) as closed per customer request and delete any and all references to lost/stolen. Likewise, if appropriate, recalculate my credit score if appropriate. 
Thank you so much for your assistance now and in the past. 
XXXX XXXX XXXX
I recently had at least two account sold by XXXX XXXX to Flagstar Bank, which caused me to be unable to access server all XXXX dollars I desperately needed. I now live >100 miles from the nearest branch, so all of my XXXX XXXX banking was done online. I became aware that XXXX XXXX was planning to sell my savings account. First, I spoke to a XXXX XXXX representative about my wish to have my account remain with XXXX XXXX, but I was told there was nothing I could do. 

I told the representative my plan to drain the savings account, and at no point did the XXXX XXXX rep mention my checking account was moving to Flagstar too. 

On XX/XX/XXXX my checking and savings were moved to Flagstar.

I made 3 calls total to try to get access to my money between XX/XX/XXXX-XX/XX/XXXX. Flagstar is online banking was completely in accessible during this time. I never wanted to be a Flagstar bank customer, and now they have multiple accounts opened in my name. What concerns me even more, is that they refuse to close the accounts without several pieces of highly sensitive personal information being mailed or faxed to their corporate office. It seems crazy to me that a bank would be allowed to open accounts in my name without my consent. I would really rather not create a paper trail of my personal information for clock Flagstar to use to advertise to me. Furthermore I learned they are using my Social Security number as a login for the online banking portal which leads me to believe their security practices are subpar to say the least.
Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report of Account name OCWEN LOAN SERVICING Account number XXXX ....
I am submitting a follow up complaint. After deception regarding a forbearance Wells Fargo then stalled the process when I was able to pay off the entire balance as of XX/XX/XXXX. They finally ( thru their lawyers ) submitted an offer to end it ( Attached ). I wired the payoff ( Attached ). It is now XX/XX/XXXX and they send a letter saying they " expect to complete our work by XX/XX/XXXX ''. They also say they may charge their " loss '' to us as taxable income to us. I argue they had no loss until they began refusing to accept our money and continued to drag out the payment acceptance. They ignore my requests to be contacted via email. They only call, leave a message, and can not be reached. I requested email in order to have documentation as I have learned that what they tell me on the phone is not what is what their intentions are.