WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax Inc. 's systems were struck by a cyber-attack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers. 

After using Equifax 's link www.equifaxsecurity2017.com on XX/XX/2017, it was confirmed " your personal information may have been impacted by this incident. '' Equifax allowed my information to be divulged without my consent. Equifax used my report improperly.
I 've notified this company in writing of my XXXX status which exempts me from collection attempts yet I 'm still receiving calls and Mail regarding this closed account with XXXX XXXX bank
I noticed a collections account when checking my credit report. The company is Diversified Consultants, Inc ( DCI ), found here : https : //www.dcicollect.com, ( XXXX ) XXXX-XXXX I have contacted the DCI, provided my correct contact information and requested a bill. DCI had an address on file that I have not used in about 8years, and was not the one found on any credit report. The company reports negatively monthly to the credit bureaus. I have made multiple attempts to contact DCI via the telephone number associated listed. During one phone call during normal business hours there was no one able to provide any information regarding my account. DCI has failed to attempt any means of communication since I contacted them the beginning of XX/XX/2018. I personally believe that DCI 's practices are unethical. Attached is the closest thing to communication from DCI ... A screenshot from my report.
The following information is in response to a charge dated on XX/XX/XXXX on my American Express card in the amount of {$2000.00}. This charge was processed with intent to defraud and processed by another unknown corporation. The services purchased were from XXXX XXXX XXXX, XXXX, XXXX XXXX and services were never provided. The company who charged our American Express card, I have never heard or done business with - XXXX XXXX. I have attempted to chargeback with American Express but the merchant provided fraudulent information to American Express and the dispute was denied and closed. 

On XX/XX/XXXX - XXXX XXXX responded to my inquiry and emailed me from the domain email address 'XXXXXXXXXXXX ' and provided me with information regarding credit services. Please take notice at the bottom of his email, it also states ; " To Stop Receiving these E-Mails, please Unsubscribe by clicking the Link below : XXXX XXXX XXXX XXXX XXXX XXXX ' A copy of the email is attached - exhibit 1 XXXX XXXX XXXX is the corporation that owns and operates XXXX based on their own website Terms of Use. 

A copy of the website - Terms of Use webpage is attached - exhibit 2 On XX/XX/XXXX - Email containing copies of American Express were sent to XXXXXXXXXXXX. 

A copy of the email is attached - exhibit 3 On XX/XX/XXXX Email sent to XXXXXXXXXXXX regarding no response for over a month after the original purchase date. 

A copy of the email is attached exhibit 4 The agreement and purchase was only with XXXX, owned and operated by XXXX XXXX XXXXXXXX XXXX based on their own website address and XXXX Terms of Use. Services were never provided. 

My American Express was charged by XXXX XXXX which is apparently an entirely separate corporation. No authorization was issued and no representation was ever made authorizing payment to XXXX XXXX. Im disputing the entire {$2000.00} charge and requesting the CFPB to intervene.
I had a private loan that had partly defaulted because of XXXX/Navient 's unwillingness to work with me with during a time I found myself unemployed. It was only after the loan defaulted that I was able to work something out with the debt collection agency, XXXX XXXX. The loan was eventually paid off as agreed under a settlement on XXXX, 2016. For several months I pleaded with XXXX the collection agency and with Navient to provide me with a letter that indicated the loan was paid as agreed. XXXX parties insisted that it was the other party who had to provide me with said letter. After many calls finally Navient sent me a letter on XXXX XXXX, 2016, but the letter as it is written is inadequate as it does not state in an unequivocal manner that the loan has been paid and completely satisfied. The letter they provided indicates that once the funds from the final payment clear, Navient would consider the loan fully paid. But my issue is that the final payment was made back in XXXX, 2016 and the letter was written in XXXX, 2016, I would assume that in 4-months time an electronic payment would 've had enough time to clear. I have called Navient multiple times requesting a proper letter that clearly states that I have paid the loan in full and as agreed but they are refusing to provide me with this letter, instead, and once again, they are redirecting me to the collection agency claiming that it is the agency that must provide such letter, but the agency fully rejects this assertion and sends me back to Navient. Every time I call Navient and request to speak with either a manager or their legal department their response to me is that they can only connect me with a supervisor 's voicemail and will not allow me to speak with their legal department. When I ask to get put through to leave the voicemail for the supervisor I am placed on hold and summarily get hanged up on, repeatedly. I have been getting the runaround for months now and have had it. Since they will not make this right I think it 's only proper to report them to the proper authorities in the hope that others will not have to endure the same heartache as I 've had to at the hands of this shady company.
From : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXXXXXX To : Consumer Financial Protection Bureau Wednesday, XXXX XXXX, XX/XX/XXXX RE : NationStar Mortgage XXXX XXXX XXXX XXXX TX XXXX Lender / payment To Whom It May Concern : Mortgage Account Number : XXXX I wish to raise an official complaint in respect of NationStar 's treatment of my mortgage account on the basis that I do not believe that I have been treated fairly. 
My understanding of the basis of this mortgage was that the rate would only ever vary when the base rate changed and when there is a need explaining always on phone it is about escrow and if I need to complaint go to my california representatives. In XX/XX/XXXX NationStar buys or takeover my mortgage from XXXX and a month later they increased my monthly payment from XXXX to XXXX. This problem referred from the long silence they have when I try to communicate with them. They now seem to be telling me that they are able to adjust the tracker rate margin to XX/XX/XXXX. Had I known about this I would have chosen another mortgage product/lender since XXXX promised me something. 
I have been misled by both XXXX and NationStarXXXX and every customer service representative I have contact with and do not believe they have held over me some Financial Conduct Authority principles of needing to be clear, fair and not misleading. 
I have also been advised of case law which supports the requirement for important conditions to be made clear and obvious in contracts. That was definitely not the case in the NationStar mortgage documentation which they have sent me none. How many times I requested to a document to explain it to me? The replay always has been they DO NOT ANY RECORD. 
I have no copies to these changes except those computer printouts and then notices that they have been escalating my complaint to you. I understand that I am one of many thousands of affected customers and I will do all that I can to encourage as many as possible to fight NationStar on this issue should they continue to be unreasonable. 
I await your response. 
Your faithfully XXXX
Insufficient fund on my account which a stop payment was issued and approved with the bank I reported to the federal reserve today.
I applied for a personal loan through BorrowersFirst.com back in 2015. I am now trying to payoff my loan but unable to reach by phone or email. All numbers associated with the lending company has been disconnected and no response through email. Automated debited is still taken out of my bank but BorrowersFirst name does not appear on my bank statements. I would like to resolve this matter and payoff my remaining loan.
A gentleman by the name of XXXX XXXX has been contacting employees, their spouses, customers, and spouses of customers for a business I own. The gentle has then further informed them that the business is under investigation. Furthermore informed them that I am under investigation. XXXX of the employees he called is on probation, he informed him that he knew the employee was on probation and threatened to send people to the house. He then called that employees x-spouse and made similar threats. That employees can not now see his child because the mother was so intimidated by the call that she does not feel it is safe. That employee may now have to quit to maintain the relationship with his daughter. They have made several similar calls to customers of the business that they have found thru the XXXX page. They have gone above and beyond what the law allows to intimidate both customers and employees of a business I own for a personal debt that has nothing to do with the business. It has had an emotionall distressing and adverse affect on the business both in reputation, profits, and moral. From everything I have read I can not see how this is legal. They have been told on several occasions that I can not be reached at the business and they still call intimidating my employees telling them the business is under investigation.
1. XXXX is reporting to XXXX that the account is in a Petition for Chapter XXXX. This is not correct. My Chapter XXXX Bankruptcy was Discharged on XX/XX/2016. 2. XXXX is reporting to both XXXX  and Equifax that the account Condition as Derogatory. This is not correct. XXXX  was paid-in-full {$28000.00} and the account condition is PAID. 3. XXXX  is reporting to both XXXX   and Equifax the account Status as in a Payment Plan. This is not  correct. This account is closed so how can the account be in a Payment Plan?

4. This account is not in Chapter XXXX  Bankruptcy. XXXX  must only report the current condition of the account.
I started a Citigold checking account with Citi at the XX/XX/2016 and they promised XXXX Thank you points. When the points did n't come as promised I sent a message to ask. They replied saying the points will be available by XX/XX/XXXX. When the points still did n't come, I sent another message. They say they will look into this and reply by XXXX. Meanwhile they 've been charging {$30.00} service fee per month!
The cash store in XXXX IL over drafted my bank account {$300.00}. Their so called collection agency XXXX XXXX XXXX called me and wanted me to set up a payment plan. I looked up my credit report and they are not on there. I think they are a false company and would like them to stop harassing me. I want my {$300.00} back and be able to set up an actual payment plan with a legit collection agency.
I am writing to dispute the following information in my file. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to improve my credit.     I have sent in formal letters to all credit reporting agencies, as well as faxes, and made several phone calls.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  XXXX   XXXX   XXXX   XXXX  Order The following credit inquiries are related to none of the aforementioned permissible  XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX  Century Mortgage  XXXX / XXXX / XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX  Bank   XXXX   Please remove these inquiries from my credit report immediately
I am about to pay off my mortgage and M & T bank sent me a payoff letter stating that I owe {$420.00} for late charges. The late charges were incurred on the previous mortgage holder, XXXX XXXX, as I was told by M & T Bank. I do not think that I owe the late charges and I asked them to show me documentation that I owed it but they said I have to prove that I do n't owe it. My loan # is XXXX M & T Bank.
MIDLAND FUNDING ACCOUNT NUMBERs : XXXX, XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you MIDLAND FUNDING or any company associate with this account # XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : MIDLAND FUNDING or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SS # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
I received an offer in the mail from Cashnet USA for a line of credit for {$800.00}. The letter said I was pre-approved. I was in a bit of a bind at the time and thought this would help. It did not, it made things worse for me financially!!! First the contract you sign online is very, very vague and hard to understand and there are hidden fees that they do not tell you about. They are called, " customary fees, '' well mostly all your payments go to these hidden fees to keep you trapped in the debt. You can never pay it off. I asked to settle the account for {$200.00} today and was told that I could not settle and would have to pay the debt in full. I have a credit limit of {$800.00}. I have borrowed a total of $ {$870.00} over the course of time. I was approved for the LOC in XX/XX/2018 and had been having payments taken out of my account every two weeks, until, I revoked their authorization to debit my account, last month in XXXX and asked them to close my account. They will not close it!!! I have made a total amount of {$840.00} in payments. I offered to try to settle the account for {$200.00}, which would make my total amount paid, XXXX. This would be {$170.00} above the principal amount, that I borrowed. I refuse to pay their outrageous fees any longer. It now states online, today, XX/XX/2018 that I owe a balance of {$950.00}. If I pay that, I will have paid them {$1800.00}, but with them refusing to close my account and steadily adding fees it will be even more, soon. No one should be allowed to be such a predatory lender!!! I want to get out of this mess, but they will not allow you to get out. I do understand that I should have fully understood the contract, before signing online, but when you are in need, you sometimes make bad choices. I do not think that should give a company the right to take advantage of people like this.
According to the cfpb website, I have been eligible for PMI termination for quite some time. I called Specialized Loan Servicing and inquired about this and was told by the first representative that I had to have 80 % equity before I could drop my PMI. After researching your site, I called back and got another representative and was told that the aforementioned representative was incorrect and it was actually that my principal needed to be 80 % of the original value ( in other words I had to have 20 % equity ). I asked how much equity I currently had and was told almost 50 %. I explained to the representative that if that is true, SLS should have cancelled my PMI years ago. I was told a request to look into this matter would be sent in and someone would call me back within 10 business days. It has been more than 10 business days and I have not heard anything from anyone.
I have been disputing this collection since  XXXX  and beyond and collection company has been reporting negatives to  XXXX    XXXX   and  XXXX . This debt collection belongs to my dad  XXXX   XXXX   XXXX  in which he filed a Bankruptcy chapter  XXXX  on  XXXX   XXXX  in  Federal Court and it was discharged  on  XXXX   XXXX . The amount of {$3700.00} has been terminated in Bankruptcy chapter   XXXX  ..The Bankruptcy chapter  XXXX  file case number is  XXXX . I am a single mom with  XXXX  children can not afford to pay debt or have any negatives on my credit report..Please contact my dad for any information on  XXXX   XXXX  Apartment debt in  XXXX  california  .This debt is al so on my mom  XXXX   XXXX  and my sister  XXXX   XXXX
In XX/XX/XXXX I received a notice from XXXX XXXX that I owed money on an account that I did not recognize. I called the number provided ( XXXX ), and they were unable or unwilling to tell me who they worked for, but kept asking for my SSN to verify the alleged account. 

I then received another notice dated XX/XX/XXXX from XXXX XXXX alleging an increased amount due for the same alleged account. On XX/XX/XXXX, I took both of these requests to a local branch of XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ) and met in person with XXXX XXXX. He went on his various systems and verified that based on my photo ID and SSN I have no account with XXXX XXXX, past due or otherwise. He then connected me on his internal phone with the XXXX XXXX Collections team, and they verified that the alleged account was not associated with me or my wife. 

I have now received a notice dated XX/XX/XXXX, from FMA Alliance , Ltd. alleging a further increased amount due on the same account that XXXX XXXX has already verified is not mine or my wife 's.
I originally receive a letter of pending wage garnishment from ECMC, providing instructions on how to request a hearing and submit information on how a garnishment of XXXX % would cause a financial hardship. I sent a letter stating my financial case and requesting a hearing/review within the allotted time. No contact from the company. The next communication I received was from my employer with a copy of an order of wage garnishment from another company called XXXX XXXX XXXX. I was never given the hearing or review that I requested.
My name is XXXX XXXX and I am filing a complaint on First Mortgage Company due to they are not trying to assist me with keeping my home and when I ask questions they will only say they are servicing company and been giving me the run around and please can some one reach out to me
COMPLAINT : TRANSUNION,  XXXX ,   XXXX   XXXX     MILLION CONSUMERS IN CA L.  XXXX  MILLION  CONSUMERS IN   XXXX   XXXX   COUNTY.
1. AS YOU KNOW, I MAYBE   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   IN 2018.
2. AS A   XXXX   XXXX  , I AM GETTING TIRED OF THE ABUSIVE GAMES THE CREDIT REPORTING AGENCIES DO TO ALL CONSUMERS : A : WHY WHEN YOU ARE TRYING TO GET A MORTGAGE DO THE CREDIT AGENCIES GET ABUSIVE : 1. WHY CA N'T YOU HAVE UP TO    XXXX   INQ UIRES WHEN A CONSUMER IS NOW SHOPPING TO GET THE BEST RATES AND TERMS FOR A HOUSE???
2.WHY WHEN YOU TRY AND RENT A HOME ARE THE CREDIT AGENCIES SO ABUSIVE AND NASTY : YOU CAN NOT HAVE MORE THAN  XXXX  INQUIRY : YOU CREDIT SCORE WILL GO DOWN : ABUSIVE : YOU CAN NOT SHOP AROUND FOR THE BEST RATES IN MGT.
WE WILL ABUSE YOU : YOUR CREDIT RATING WILL SUFFER : SOLUTION : NEW CONSUMER BILL OF RIGHTS 1. YOU CAN HAVE  10 INQUIRIES  EACH YEAR ON YOUR CREDIT REPORT WHEN SHOPPING FOR A HOUSE OR TO RENT : A : IF THE CREDIT AGENCIES ABUSE YOU AND YOUR RATE GOES UP : CLASS ACTION LAWSUIT AGAINST CREDIT AGENCIES : 2.SOLUTION : IF THE CREDIT AGENCIES ARE WORKING WITH BANKS TO INCREASE THE RATE AT WHICH A CONSUMER CAN GET A CAR LOAN, HOUSE LOAN GOES UP : ARE THE CREDIT AGENCIES COLLUDING  WITH THE BANKS TO SEE IF THEY CAN STEAL MORE FROM THE  XXXX  MILLION CONSUMERS IN CAL, THE  XXXX  MILLION IN LOS ANGELES COUNTY : EXPLAIN TO ME WHY MY CREDIT SCORE GOES DOWN WITH  XXXX  AGENCY  AND UP WITH ANOTHER : SHOULD THERE BE A CLASS ACTION LAWSUIT AGAINST ALL CREDIT AGENCIES OF ABUSING THE CONSUMER AND CHARGING HIGHER RATES T  O THE CONSUMER???
My second mortgage Citimortgage. The terms of the loan is balloon for 15 years and will balloon within the 6 years. I am not qualified for refinance and the only option is modify the terms of the mortgage. This is my 4th year trying to modify the loan for the 2 years we did not really pursue all the way to the end because I was informed by Citi that iam not qualified because I have to be late to be able to qualified for modification.although we dont have no problem providing the requirements. The third year I finished the requirement and went thru all the way again it get denied because to be able qualified is to be late on the mortgage payment non was mention about modifying the XXXX mortgage prerequisite to modifying the second mortgage.I explained to Citi for not being late on my mortgage although I am not late in my mortgage I am very late on other things like our electricity, water, cable and other things. I am afraid that if I am late I do n't want my property to be foreclose and taken away that I worked so hard and this this property is where I lived. 
This year again in XXXX tried to inquire about modification I asked them if I they can mail me the modification pocket. The fist encounter there is application for modification. The second call is my wife talked to mortgage specialist then requested to modification pocket there is no problem Citi will send the modification pocket. For 2 weeks non was mailed to us as the mortgage specialist mention. Then my wife called for requested another specialist made an appointment at XXXX XXXX, XXXX instead calling my wife at the appointment she emailed my wife that she called my wife at XXXX XXXX, do n't know what time. My wife said she did not received that phone called nor have record that this Citi specialist was called So then my wife waited for the appointed on XXXX XXXX, at XXXX specialist did not call at the appointed so my wife preceded to call the Citi specialist asked Citi .why she did not call for the appointed time and why is it that Citi refuses to sent the modification pocket so we start the process of the modification. Citi said there is no application for the modification and said what is it that you want and Citi specialist said we are not QUALIFIED FOR THE MODIFICATION IF THE XXXX MORTGAGE IS NOT MODIFIED which is not mention from the previous request for modification. 
Here is my problem with Citimortgage1 ) Requiring to be late to be qualified for modification which in the last 3 years. 
2 ) Citi mortgage refuses to mail me the modification3 ) Citi specialist said to my wife not base on paper I was told this time modification is not option because the XXXX mortgage was not modify4 ) play musical chair, you are going right in the because it was intended not to be modified anyway.