WillisBack/dataset-financial-user-claim huggingface dataset:
I am potentially impacted by the Equifax hack. As a XXXX person with a high credit score, this could cripple my future. 

I am highly displeased that their " solution '' involves opting out of a class action lawsuit.
Please see attached summons as proof of their negligence and storytelling abilities. I thank you for sending a timely response regarding a previous complaint, case number XXXX. I read the Banks response and they are not telling the truth when they responded that I was a third party to this matter and their claim to need more info. Deutsche issued the civil action summons docket # XXXX in person to the executrix. The summons lists me first ( as deceased XXXX XXXX 's heir ) and then XXXX XXXX as executrix XXXX 2015 for this mortgage. If i 'm a third party why am I listed first. XXXX XXXX is the servicer and they seem to be handling the foreclosure. I, along with the executrix sent proof multiple times of her role from the probate court as Executrix in order for them to talk to us. I still have n't been served only the Executrix in person. They give different fax numbers etc. The lawyers have not submitted any paperwork that was requested in our summons response.
I submitted a Qualified Written Request to Wells Fargo Home Mortgage. I am attempting to obtain information about my FHA loan that is serviced by Wells Fargo. The request was sent as I have received conflicting information regarding the true investor is for my loan. Wells Fargo failed to provide any of the required documents per RESPA and Truth in Lending.
I had a car loan with the company XXXX XXXX XXXX. The vehicle I had I traded it in a a dealership for a new vehicle XXXX 2014. XXXX XXXX XXXX Marked me late on my payment for A payment when I no longer owned the vehicle. I spoke with a supervisor at XXXX XXXX XXXX and he stated I got a late payment on my credit because of the dealership I traded the vehicle into.
I have been trying to fix my credit report and in XX/XX/XXXX, I had sent XXXX XXXX a forgiveness letter for a late fee that I obtained back in XX/XX/XXXX. XXXX never responded to these letters & in XX/XX/XXXX my account was closed. I was not late on any recent payments and had a low balance & was still using my card appropriately. There was no reason to have closed my account. I called & spoke with customer service in the credit department and no one could tell me why my account was closed. The manager did not want to get on the phone with me and the sweet lady tried to figure out what the issue was and after over an hour of being on the phone & reading through the notes, she simply said. I have no idea why they closed your account unless XXXX got confused on the year you were explaining why you were late. She apologized several times and gave me XXXX 's phone number and told me I could get more specific answers from them but my account couldn't be reopened but I could apply again for another account. I DO NOT WANT TO APPLY FOR ANOTHER ACCOUNT!!! I never asked for my account to be closed and wasn't given any reason for it to be closed. I wasn't disputing any late fees in XX/XX/XXXX. My credit score was pulled down 10 points for them closing out a good credit card. I am requesting they reopen my account or they can delete it from my credit report altogether. This is not a way to do good business with your customers and I had been a loyal customer since XX/XX/XXXX.
I have no knowledge of any accounts with XXXX XXXX. Ive never ordered anything or received any services from this company. Ive repeatedly disputed this account with each credit bureau and asked for validity of this account. No one has ever sent me any signed contracts or anything verifying that I own an account with XXXX XXXX or that I owe them any money. This account is negatively affecting my credit and hindering me from obtain any good credit.
unauthorized - listed as a refund to the person - never authorized, we know nothing about this person or persons - reported this to XXXX. 

Paid with PayPal balance Sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Details Sent to XXXX XXXX XXXX XXXX XXXX XXXX {$990.00} Total {$990.00}
Called Equifax and where told they can not remove these inquires off my report I need proof that I made these inquires called the companies and they have no knowledge of the accounts but Equifax still will not remove ... .. 
XXXX XXXX XXXX XXXX XXXX XXXX & XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX showed two times in one day XXXX/XXXX/XXXX
Previously, I filed a CFPB complaint XXXX against JP Morgan Chase for their illegal theft to my personal checking account. In response, JP Morgan Chase filed a letter of complete and blatant lies claiming that I had NSF 's due to my own fault. This filing by JP Morgan Chase provided to the CFPB was also sent to The XXXX XXXX XXXX. The XXXX XXXX XXXX doesn't represent me in my filed CFPB complaint ( see above ). The XXXX XXXX XXXX, was NEVER mentioned in my filed complaint with the CFPB as my legal representatives. Nor was JP Morgan NOTIFIED by me in any way that I was being represented by the XXXX XXXX XXXX in my filed CFPB complaint. Therefore, JP Morgan continues to violate my Civil Rights by releasing my private information to the XXXXXXXX XXXX XXXX. I can " only '' assume that it was JP Morgan Chase 's way of notifying me that they were aware of the XXXX XXXX XXXX  representing me in a separate matter that doesn't include my filed CFPB complaint. JP Morgan Chase continues to illegally practice DISCRIMINATION/HARASSMENT/RETALIATION against me and my personal Chase account ( which isn't a joint account ) by illegally changing my personal PIN number ( that was recently changed in XX/XX/2018 ) and by accumulating and holding my deposited funds. I totally disagree with the previous responses provided by JP Morgan Chase concerning my filed complaint ( listed above ) and their intentional violation of my privacy to the XXXX XXXX Firm. It is a fact, that JP Morgan Chase was intentionally causing NSF 's to my personal account by stealing monies from my account to pay a debt that belong to another person. That persons debt, doesn't and didn't involve me. Any and All supportive documentation will be FAXED to the CFPB for the specific use of the CFPB ( NOT, JP MORGAN CHASE ) OR  THE XXXX XXXX XXXX.THE END!
On XXXX/XXXX/2016 send a dispute to the Credit Reporting Agencies indicating that the account is not accurately reporting. 

Subsequently, on XXXX/XXXX/16 the Credit Reporting Agencies indicated that the collection agency verified to the credit reporting agency that the account was being reported accurately. 

On XXXX/XXXX/16 I faxed a letter to the collection agency to the attention of XXXX XXXX. The letter stated that i was not sure how they were able to verify accurate reporting and asked if they did in fact verify the reporting or if the credit reporting agency was at fault. 

On XXXX/XXXX/2016 I received a notice from the collection agency reiterating what was already reporting. HOWEVER, they did not answer my inquiry. I requested to know if they did in fact verify that the account was reporting accurately between XXXX/XXXX/16 and XXXX/XXXX/16. I can only assume that no validation of the debt exists. 

This is a violation of the Fair Debt Collections Practices Act ( FDCPA ), the FCRA, and Federal and State statutes for fraudulent slander of credit and illegal reporting activities. 

Further, under California Civil Code 1785.26 a collection agency is to notify me within 30 days of reporting a collection account to my Credit report. Since they have failed to notify me of this, by phone or registered mail they are in violation of this code.
I was involved in a car accident in XXXX XXXX. I ran into a NJ XXXX. I was not a resident of NJ. I attempted to get NJ driver 's license years later and they informed me of surcharges that I owe ( in excess of XXXX ). I filed for bankruptcy and my debts were discharged in XXXX XXXX. I was told that my debt was not discharged as it was a court judgment. I was directed to contact a third party collection agency. I was told that a {$7000.00} judgment was now XXXX, I paid a down payment of XXXX and agreed to pay XXXX p/m. I am on social security XXXX and I have a representative payee. She gives me her card to deduct the rent each month. Transworld Systems Inc is the name of the third party collection agency. They would not allow any other method of payment than direct deposit from your bank account. I gave them my Personal Reps ' debit card information. They attempted to collect from her account. The collection was granted 2 times and never since. ( they have been declined for 12 months and never said a word to me ). Transworld Systems Inc notified XXXX that I was in default and my driver 's license as well as my registration privileges are now suspended ; furthermore I learned that my social security benefits are exempt from collection methods.The company fails to report to XXXX that they are error and in violation of FDCA. My license and registration remain suspended.To this date I have not received XXXX document from them except the notices that they send each month for the past 12 months telling me that they are receiving the funds and to direct me to make sure the funds are available. 
The last notice I received was XXXX XXXX.
I have filed several complaints and am getting nowhere. I am attaching JH Portfolios response to a prior complaint where they promise to send me : 1. A copy of the application 2. Statements showing how the dollar amount is arrived at, including fee 's, etc. 
They claimed to have attached this to complaint # XXXX. They did not. I will attach exactly what they attached. 
This alleged debt did indeed come from XXXX. I spoke to XXXX, and in fact in their response to this same complaint they admitted " they no longer have any of this documentation as it is too old '' THIS DEBT IS THEREFORE NOT VALIDATED AS PER FEDERAL LAW. THIS IS NOT A DUPLICATE COMPLAINT!!! IT IS ILLEGAL IN BEING REPORTED AND MUST BE REMOVED FROM ALL CREDIT REPORTING AGENCIES DATABASES BY THE FURNISHER OF THIS FRAUDULENT INFORMATION IMMEDIATELY.
Struggling to pay loans due to current income when I got behind I received numerous letters from Sallie Mae stating to call to find out repayment options. Well, when I called I got very rude answers and was told there were no options for me besides to pay my loan. When I mentioned, I was told there were other options they refused. Consignor even called and was given same cold shoulder.
Disputed an item on my credit report that was reporting in accurate information. Equifax removed the item then reinserted. Not only once but now it 's reporting two times. Both inaccurate information and causing financial hardship. XXXX, XXXX, XXXX, Pa XXXX. XXXX. I have no knowledge of this collection account and have never been notified of such account.
Im extremely disappointed with XXXX XXXX XXXX, Resurgent Capital Service and the CFPB why Im going to explain I have a debt collector ( XXXX XXXX XXXX / Resurgent Capital Service ) attempting to collect on a debt that I have no knowledge of it. I send the three credit bureaus a full validation of debt, they failed to respond. Also XXXX XXXX XXXX / Resurgent Capital Service failed to send a full validation of debt and it pass more than 30 days and they still attempting to collect because they still have it on my report without a full validation of debt and thats a violation of the law. And the CFPB for not making XXXX XXXX XXXX / Resurgent Capital Service follow FCRA and the FDCPA laws. I requested a full validation of debt that consist of multiple things that I would like all of them listed below and failed to do so It were considered account invalid 1. Full accounting 2. A copy of assignment of purchase from the original creditor 3. Every charge and what was purchase ; every fee, payment and every credit. 
4. How do you calculate what you claim what I owed 5. Case Law XXXX vs XXXX XXXX XXXX XXXX 6. A full chain of assignment from charge-off to Present 7. Proof that you Owen the debt with full clear Title 8. Proof that you were on the original contract 9. Case Law XXXX vsXXXX XXXX XXXX 10. Copy of the original contract with bearing my signature 11. Agreement with the creditor that authorizes you to collect on this alleged debt ; 12. The agreement bearing my signature stating that I have agreed to assume the debt ; 13. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 14. Proof that the Statute of Limitations has not expired ; 15. Complete payment history on this account along with an accounting of all additional charges being assessed ; 16. Show me that you are licensed to collect in my state ; and 17. Your license numbers, Registered Agent and Date 18. Copy of all letters sent to me from you and from the original creditor.

19. How much did you buy the debt for?

20. When was the last date a payment was made on this debt?
I made a mobile deposit of a check that I received for contract work that I had done into my Chase checking account which I have had for 10 years. I do not normally deposit checks for this amount and so Chase Bank decided that the check deposited was not intended for me and therefore froze all funds in my account. I learned of this when trying to use my debit card and when I ask if I could please have access to the funds in the account prior to the deposit, they replied no. They cancelled my debit card, they said they would hold all direct deposits including my social security check, would not honor any automatic withdraws from the account and I could not have any of the money in the account. After a second call to Chase Bank they agreed to accept the check deposit in question when they could contact the signer of the check to verify that the check payment was intended for me. My compliant is that I didn't have access to any of the funds not associated with the deposit in question while they verified the check paid to me.
I was shocked when I reviewed my credit report and found late payment on the dates below : Account number : XXXX 30 days past due XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Well to start off I received a credit alert on my credit report and I took a look, and then noticed a collection account was added to my credit reports Transunion and XXXX in the amount of XXXX.The collection agency XXXX XXXX XXXX XXXX XXXX XXXX.I then reached out to the company to get more information on this account and to inform them this is not my account the representative ( XXXX ) then hangs up on me and someone else calls me back ( XXXX ) I inform her that I would like documentation on this account and I was put on hold several times, then I hang up call back and all of a sudden the number doesent work, a couple days go by and I start receiving a bill for the debt, whoever these people are have called my job several times as well as my home at XXXX at night.They ( XXXX ) have violated the FDCPA in many ways as well as Transunion and XXXX violating the FCRA for reporting such account with no payment history, missing or incomplete file.The same with other adverse collection accounts ive previously disputed such acccounts as Account resolution in the amount of XXXX with-Transunion/XXXX/XXXX. XXXX XXXX XXXX in the amount of XXXX with-Transunion/XXXX.XXXX XXXX in the amount of XXXX.with-Transunion/XXXX.These accounts are not mine and are being reported to all three CRA's.These companys have not issued me any documentation and have to collect debts from me that are not mine, and I demand removel of accounts per the FCRA.Ive finally managed to get an Attorney to help me through this process and will be taking further action in the matter.
I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing an unacceptably lax job in the first place. Thank you for taking time to read my complaint.
PLEASE FIND ATTACHED THE CREDITORS LETTER FOR WHICH THEY HAVE APPROVED TO REMOVE THE LATE CHARGES AND NEGATIVE MARK FORM MY CREDIT REPORT SINCE I WAS A XXXX XXXX AT THAT TIME AND FOR SOME REASON IT WAS NOT PAID ONETIME. PLEASE HAVE THIS REMOVED FROM M Y CREDIT AND ALL THREE BUREAUS
Tried to work out a settlement did not hear from them for months. Now all of the sudden they are calling me at WORK!!! That is against the law!!! They harassing me with phone calls everyday at work!!!
I submitted proof that the debt in question was paid in full and balance in {$0.00}. They are still refusing to remove false or paid debt from my credit report.
XXXX XX/XX/ 2018 there was a hard pull placed on this date they said they would give me a courtesy removal. I recently looked at my XXXX XXXX and this was still here. They said they would remove it from my file. I called up again recently and they told me best to fill it out here and that you guys would be better to fix this.
I've been monitoring my credit for some time now in an effort to improve my score. I utilize XXXX XXXX and check it weekly as well as whenever I get an update from them. I checked my score today XX/XX/18 and saw my Trans-union score dropped by 41 points and my XXXX increased by 53 points. I checked Trans-union details and saw the ONLY change was the REMOVAL of a hard inquire ( XXXX  ). I contacted Trans Union and the first gentleman that I spoke with obtained my SSN and current address which he said he was updating. After I asked why my score decreased with only that one change he advised me he could not tell me and when I began to press the issue I was disconnected. 

I called back a second time and reached XXXX who essentially obtained my SSN and current address again ( it was not updated as I was told ) and told me she could not tell me why my score dropped 41pts. I asked to speak with someone who could and was transferred to her " supervisor '' XXXX who told me the same thing : there are several factors that impact my score ( I know this ) and scores are always changing and dynamic ( I know this too which is why I keep an eye on it ) as well as go to the trans-union website to check my report ( they charge for this and I don't want my report I wanted to know why removal of a hard inquiry negatively impacted my score ). Essentially NOBODY could tell me why the removal of this hard inquiry, the ONLY change, negatively impacted my score by 41pts. 

I'm frustrated and angry as I've been working to improve my score and have NO assistance with this issue from employees that seem to be outsourced to XXXX. Outsourcing is not a problem, except I've now given my SSN, full name, and current address to each employee ( 3 ) that I spoke with and despite me repeating my address several times for the initial employee to update it in their system it was not done and I was hung up on, so I don't feel confident my information is secure in another country by someone who said they were updating it. I want to know why my score dropped by one hard inquiry being removed and if they can not explain it then I need it corrected as I do not feel an essential " oh well '' suffices.
At the end of     XX/XX/XXXX /beginning of  XX/XX/XXXX , I s ent a payment for {$3000.00}. Details are in the  2 l etters I 've written to their customer service.       XXXX   XXXX    2017 I s ent : To whom it may concern : The {$3000.00} that I sent at the end of   XX/XX/XXXX  was for  XX/XX/XXXX  p ayment with the extra to go to principal. In other words, there should have been a total of {$2500.00} going to principal for   XX/XX/XXXX .  Please correct this. I will send   XX/XX/XXXX   payment later this month. Thank you.       On   XXXX   XXXX    2017 I sent  : To whom it  may  concern : My last payment at the beginning of   XX/XX/XXXX  w as for {$3000.00} ; there should have been a total of {$2500.00} going to principal for   XX/XX/XXXX  . My mortgage contract clearly states it as I have previously outlined to you when you went by the name of Greentree. Also, my lawyer has addressed this issue. You need to correct the payment applied at the beginning of   XX/XX/XXXX  t o reflect this and follow my wishes for payments in the future. Thank you.     As alluded to in the last message, I 've had an ongoing problem with Ditech/Greentree. It took a few letters from my lawyer to fix this issue last time.     To anyone considering a mortgage, I would have a clause written in that the mortgage  may  never be sold to, bought by, etc. Ditech,  Greentree  or any subsidiary or such. I WILL be doing this on any future mortgage I EVER make.
Net Credit contacted me via email back in 2013, I believe, in response to an online lending application made through XXXX XXXX. I needed the money to offset additional college expenses for my daughter, so I accepted the loan offer and paid this loan on time without default at any point with an interest of 160 %. During the initial conversation and on a subsequent loan offer, they advised they were licensed to offer loan products in Virginia. I agreed to the second loan terms, secured by my checking account with a 160 % interest in XX/XX/XXXX. Shortly, thereafter, I began receiving work and personal calls indicating I owed a payday lender and they were going to have me arrested. It was not until XX/XX/XXXX that I learned XXXX XXXX was a payday lender as they identified their loan as an installment loan. I did n't owe anybody so I chalked it up as a scam call. In XXXX, I was notified by the IRS that someone had filed a fraudulent tax return in my name. During the investigation of identify theft, it was learned that Net Credit, XXXX, and XXXX online lenders were possibly linked to a nationwide scam group and identity theft. I was advised to contact the Commonwealth 's Bureau of Financial XXXX to learn if either of these companies were licensed and/or registered to do business in the Commonwealth. In XX/XX/XXXX, I was notified that none of these companies were legal in Virginia and their practices were fraudulent and violated federal and state laws, including usury laws. In addition, the Office of the Attorney General and the SCC advised that online lenders are illegal in the XXXX of Virginia. These lenders were notified immediately to cease and desist all transactions against my checking account and remove any reporting to any and all credit bureaus. They have continued to harass through multiple daily phone calls, emails, and most damaging, the reporting of these loans as valid and past due on my credit reports. I am seeking to have these accounts removed from the credit bureaus immediately.