WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax Breach. Equifax indicated that I might have been affected while my wife may not have been. We have no way to know ourselves and have zero confidence that Equifax knows. In accordance with guidance from your site, I placed credit freezes on both of our credit accounts with Equifax, XXXX and XXXX XXXX and XXXX charged me {$10.00} and {$10.00} respectively since we are residents of Texas. The net cost to us ( currently ) from Equifax 's breach is {$41.00}. I believe Equifax should be made to remburse any and all costs incurred by us to safequard our credit information due to their collosal
I have a student loan with AES i have been paying on it since 2008. I have never missed a payment. I have never been late on a payment. even though I have never missed a payment my balance is still more than what I took my loan out for. When I have contacted AES on multiple occasions to ask for ways to get the balance down I have been told there is nothing they can do because my loan is paid up to date and not missing payments. I asked for a reduced interest rate to try to pay down the debt I was laughed at on the phone, and was told that the only way they will work with me is if i stop making payments and let my account fall behind they can then work with me until then I am on my own. I have a XXXX credit score and do not think that I should have to ruin my credit to get assistance in trying to pay my debt down. When I asked would it help if I made more of a payment would the balance come down, I was told that not matter what I send it will come off the interest and not the balance until all the interest is paid back. I find it very hard that in 8 years nothing has come off my principle. I feel that no matter what I do AES will not let this loan be paid off. I feel as if I am drowning in this debt and cant tread water for very much longer with out giving up.
I have filed a report to remove negative information from my credit report with Experian. XXXX and XXXX have removed all incorrect information without issue. However, Experian has refused to remove information even when provided with letters from the debt companies stating the information is not mine. Experian does not follow FCRA and they do not verify information that they report. They do not work in the best interest of the consumer and they consistently allow negative information to remain on your credit report without investigating that information. Dispute Letters Sent XXXX XXXX, 2017, XXXX XXXX, 2017, and XXXX XXXX, 2017. Accounts disputed were : XXXX XXXX XXXX Acct : XXXX {$860.00}, XXXX XXXX Acct : XXXX {$810.00} XXXX XXXX XXXX : Accounts XXXX, XXXX, and XXXX I can provide copy of letters sent upon request.
I have disputed the balance of {$30.00} with XXXX XXXX XXXX  XXXX XXXX, requesting documentation that bear my signature that agreed to this charge. It has been over 4 months with no documentation being sent from them. I have contacted them several times over the course of the 4 months with no solution. Now, I receive a collection notice from TransWord Systems Inc -  I am filing this report with the CFPB to alert the illegal practices of XXXX XXXX XXXX XXXX XXXX for ignoring the request for validation of debt which is a direct violation of Federal Collection Laws. If Transworld or XXXX XXXX XXXX XXXX XXXX  proceeds on inserting this to my credit report, civil ligation will result.
XXXX County & XXXX County & XXXX County medical providers have erroneously billed for unnecessary medical services for unrequested/unrequired medical services. Requesting CFPB to permanently delete associated medical accounts and medical collection accounts. Per Federal Law medical accounts are NOT to be reported XXXX, Transunion, or XXXX. I have a XXXX credit score, due to medical accounts my credit score has dropped to a mid-score of XXXX which is limiting my credit access in rentals. 

Due to a medical data breach within Counties listed above, medical providers were erroneously called by law enforcement without justifiable cause or medical necessity. 
Essentially, running my medical bills. I assert law enforcement is each County above must be accountable or each County above should pay from County medical indigent funds. I NEVER NOR REQUIRED medical services in State of Florida from XX/XX/XXXX to XX/XX/XXXX. 
My perfect XXXX credit score has been substantially damaged by medical collection accts. 
Review each major credit bureau prior to XX/XX/XXXX - major financial institution accounts report outstanding credit history. CFPB credit report representative must remove malicious billing due to police harassment due to systemic XXXX bias & prejudice.
MY MORTGAGE LENDER IS CLAIMING FEES THAT ARE WRONG AND THEY CAN NOT PROVE ANY REASON FOR THESE FEES OF {$2000.00}!!!!! 
I had major financial hardship about 2 years ago which led to income reduction and lots of financial problems. I fell behind on mortgage payments XX/XX/XXXX. After a few months I applied for mortgage assistance and my loan modification was approved by the lender RESIDENTIAL CREDIT SOLUTIONS ( RCS ) XX/XX/XXXX. This new modification plan brought my mortgage current and all the past dues were added to my principle balance. Loan documents that I signed XX/XX/XXXX clearly stated that As of the date of the modification approval my loan became current, and the new plan started with the monthly payment of {$3200.00} which included property tax too. 
LATER ON, THE LENDER SOLD MY LOAN TO ANOTHER COMPANY ( XXXX ). AFTER FEW MONTHS THE NEW LENDER STARTED CHARGING NEW FEES AND CLAIMED THEY HAD PERFORMED CERTAIN SERVICES FOR THESE FEES, BUT THEY DID NOT KNOW WHAT THESE SERVICES WERE!!!! 

AFTER MY REPEATED CALLS AND OBJECTIONS THEY STARTED GIVING ME CONTRADICTORY INFORMATION ABOUT THESE CHARGES. ONCE THEY SAID THESE FEES WERE BECAUSE THEY INSPECTED MY HOME SINCE MY HOME WAS ABANDONED!!! WHICH WAS A TOTALLY FALSE CLAIM!!!! 
THEY NEVER DID SUCH AN INSPECTION, NOR THERE WAS ANY REASON FOR ANY SUCH INSPECTION. I ASKED FOR A RECEIPT OR A PROOF OF THIS ALLEGED INSPECTION BUT THEY HAD NOTHING!!! 
THEN THEY GAVE A NEW EXPLANATION CLAIMING FEES OF MORE THAN {$2000.00} WERE FOR CERTAIN CITY & COUNTY FEES BUT THEY DID N'T KNOW THE NATURE OF THE SERVICE. I CONTACTED CITY TAX COLLECTORS & HOUSING AUTHORITIES AND THEY SAID NO FEES WERE DUE, NOR ANYTHING EVER RECEIVED FROM THE NEW LENDER!!!! 

I CALLED XXXX AGAIN AND THIS TIME THEY CHANGED THE STORY AGAIN!!!!! CLAIMING THAT THE FEES WERE FOR EXPENSES THAT PREVIOUS LENDER ( RCS ) HAD FAILED TO PAY DURING MODIFICATION REVIEW!!!! 

I REVIEWED THE LOAN MODIFICATION DOCUMENTS AND IT CLEARLY INDICATES NO EXTRA FEES OTHER THAN MY NEW MONTHLY PAYMENT WAS DUE. ALL OTHER FEES HAD BEEN COUNTED FOR!!!!! 

IF THERE WERE OTHER FEES OF {$2000.00} THE RCS SHOULD HAVE DISCLOSED THEM WHICH THEY FAILED TO DO. NOW RCS MUST CLEAR THIS MATTER WITH THE NEW SERVICER AS I CAN NOT BE HELD RESPONSIBLE FOR ANY THING MORE THAN WHAT WAS CLEARLY SATED IN THE EXECUTED LOAN DOCUMENTS. 

THIS SITUATION IS EXTREMELY UNFAIR, IMMORAL AND EVEN ILLEGAL!!!! 

RCS AND ALSO XXXX MUST CLEAR THIS DISCREPANCY AMONG THEMSELVES INSTEAD OF JUST PRESENTING NEW STORIES AND EXCUSES FOR FALSE BILLING SCHEMES!!!!
I received a notification via XXXX XXXX that an account was reported to my credit bureau. It stated that I owed money to XXXX College for {$990.00}. I have never done business with this company. I called the debt collection agency that is handling this account to obtain information pertaining to this debt. This debt collection agency is named TEK Collect Inc, address XXXX  XXXX XXXX, XXXX, Oh. XXXX. A woman named XXXX answered the phone as " business office '' and not the company name which made me feel uncomfortable since I did not know if I had the right or wrong number. I had to make her give me the name by asking for it. I told her I needed information in regards to an account that they are trying to collect on. XXXX stated that she could only send the information and not tell me over the phone which is false. If she is asking for my information to validate that it is me in their file, she has to disclose the nature of the debt. I asked repeatedly what the charge is for and she could not tell me. She just kept saying that she could only send the information in the form of a letter. XXXX was also rude. She kept talking over me and at times would not let me finish my sentence. XXXX would not answer my basic questions such as what the debt is for, and if they purchased the account or if it was placed. After she could not explain to me what the debt was for, she transferred me to a supervisor even though I did not request to speak to one. The  supervisors name is XXXX XXXX. Mr. XXXX was also not able to explain to me what the debt is for and what the charges were from. I must have asked Mr. XXXX over 10 times what the debt was for and he would never answer my question. He only kept repeating to me that he could only send a letter. I told Mr. XXXX that he seemed to be dancing around my question by not giving me a solid answer. He told me that I was dancing around by not giving him my address even though I had given it to the first representative. I informed Mr. XXXX that since the company he works for answered my phone call as only " business office '' and that nobody could explain to me what the debt is for, I felt very uncomfortable giving any more information. Mr. XXXX talked over me on several occasions and could not give me any solid answers. I would like an investigation on TEK 's  collection tactics. I have a right as a consumer to know what debt, if any, I have with TEK 's collection agency. I have a right to know what the debt is for. I also felt threatened when XXXX and supervisor XXXX talked over me. I felt very uncomfortable and scared when this company did not specify what the debt is for and by not immediately providing me with the company name. I had to ask for it. Further more, I am seeking compensation for every violation this company made on my phone call to them. This includes but is not limited to, talking over me and not providing me with adequate information to validate this debt.
I am unable to sign up for Equifax 's TrustedID Premier service using the link provided via their email. The link repeatedly and consistently redirects to a " system unavailable '' message instead : https : //trustedidpremier.com/consumer-registration/html/system-error.html I 've called Equifax at XXXX and was instructed to " keep trying to enroll '' at different times of the day, before going to bed or early in the morning. I was also advised this website is the ONLY WAY to sign up for the service. I was not offered an offline or manual way to enroll into Equifax 's TrustedID Premier service. 

First, Equifax collects and profits from my credit information. Second, Equifax fails to protect my personally identifiable information. Finally Equifax offers one year free identity protection service as mea culpa but I CAN NOT SIGN UP FOR THE FREE SERVICE. This is not acceptable and no one is being held accountable for the massive failures and errors here.
XX/XX/XXXX ( following filing Chapter XXXX Bankruptcy ), I applied for a Loan Modification under the HAMP Program with my lender, U.S. Bank Home Mortgage. After several months of submitting any and all requested documentation I was denied due to 'documents not being received. ' Because U.S. Bank was virtually non-responsive, despite me reaching out to them on a regular basis, I also refiled the application with the assistance of XXXX. I subsequently filed a complaint with the WA Attorney General 's Office, who received a letter from US Bank, stating that the underwriter had been in error and they reopened my application. Today I learned that my loan modification had been denied again, this time for reasons that are again, erroneous. While I understand that, according to US Bank, there is no guarantee of loan modification, the HAMP program was designed to assist homeowners having difficulty with their mortgage payments, and prevent them from going into foreclosure. I have never been late or missed a mortgage payment. I am on XXXX, am almost XXXX years old, and believe I qualify for the HAMP loan modification program. Sincerely, XXXX XXXX
In   XXXX   XXXX    , I was contacted by  XXXX   XXXX   XXXX  of  XXXX   XXXX , CO through their  XXXX , AZ office indicating that they were representing Velocity Investments, LLC regarding a loan that I had with   XXXX   XXXX   XXXX   that was purchased by Velocity Investments, LLC.  XXXX   XXXX   XXXX  proceeded to violate multiple sections of the FDCPA and Colorado FDCPA as well as numerous Illinois consumer protection laws regarding debt collectors. Specifically,  XXXX   XXXX   XXXX  called my employer  20  times in  one  day and when I did not timely return a message that was left, the collector called every member of the  executive  management team at my place of employment and left messages on each persons voice mail to contact  XXXX   XXXX   XXXX  regarding a matter concerning me. A message was also left on the HR Mgr. voice mail to call regarding an issue with my payroll. I was threatened with wage garnishment and the debt was disclosed twice to my  Mother  who is not a responsible party to the loan. After numerous emails asking the agency to stop calling me at work and being ignored, I finally submitted a cease and desist request to the owner of the company and threatened to sue them for the FDCPA violations. The matter was referred to the corporate attorney Mr.  XXXX   XXXX  who subsequently offered me a cash settlement of {$1000.00}. I rejected the settlement offer and requested that the issue of the debt be resolved. Mr.  XXXX  informed me that  XXXX   XXXX   XXXX  nor he is no longer handling the account and that it has been referred back to Velocity Investments, LLC who now owns the account and that legally he nor  XXXX   XXXX   XXXX  can discuss the account with me. I have sent  3  unanswered emails to Velocity Investments,  LLC in an a ttempt to find out who is handling the matter in an attempt to address not only  XXXX   XXXX   XXXX  and their abusive collection tactics on behalf of Velocity but the debt and its disposition. No one will respond to me. I contacted Mr.  XXXX   XXXX  by phone who identifies himself as the Compliance  Officer  a t Velocity Investments, LLC  and he claims that he needs to confirm from  XXXX   XXXX   XXXX  that they are no longer handling the matter before he can discuss it with me. I gav e Velocity Investments, LLC  more than 10 days to confirm that and contact me and they have not done so. If Velocity Investments, LLC refuses to address the issue of the debt with me and the abusive and illegal collection tactics of their collection agency with me, I believe that the CFPB should intervene on my behalf and also take discipline actions and monetary sanctions against Velocity and  XXXX   XXXX   XXXX .
Ive sent numerous requests to this company via certified mail requesting proper validation. Each time the company.They have not provided me with documentation showing any type of agreement between myself and Barclays Bank DE. I requested a copy of any and all agreements to validate this collection/debit and was ignored. Im not obligated to pay a debt buyer who cant validate a debt properly or fail to communicate properly. I have attached a copies of my letter to them, FTC Opinion Letter, their response. Please be advised that the copy of the response you see from them is why they continue to send me over and over again, ignoring request of other information.
XX/XX/2018 I sent Santander a letter explaining that I fell on hard ship and ask them to lower my payments and forgive me for my late payments. They replied saying that's against their rules and regulations. The box value of the car is way less that what I purchased this car for and it's hard for me to try and get another car because Santander balance is too high and other dealers won't make a deal.
Hello, I saw an ad on TV that Experian is doing free scan amid hacking of the XXXX. So I went on to www.experian.com/scan. It asks you to enter your email address then click on " Scan '' then it supposed to scan your credit (? ) or if you have been affected by the hacking of XXXX data. It says the website has sent me an email but never received anything. Is this to get my info or looks like a scam by Experian to me.
dear cfpb I 'm using a Coinbase e-wallet. But the last time i wanted to login, my account ask for a 2 step verification via a XXXX app, but i have never activate a verification from this app. I do n't have this app. Since a few days i tried to fix my login and contacted many times the coinbase support, but without any answers. Now i ca n't use my wallet and my deposit is unattainable for me. That 's really bad, because i have more than thousand euro on my account. Can you help me to get support from Coinbase? I 'm hopefully waiting for your answer. Best regards, XXXX.
I recently opened XXXX accounts with Capital One, a checking and a savings Account. I opened the checking account with a XXXX check endorsed to me and XXXX in cash. I opened a savings account with a XXXX cash deposit. The XXXX checking deposit was returned to me. My account balances are listed as XXXX and XXXX respectively. I contacted Capital One 360 by phone twice. The first time after a 20 minute hold, I spoked to someone. When I asked why my funds were not available, I was told " This bank is not dealing with you anymore. '' When I asked why, I was told, " I am not discussing these accounts with you. '' The phone call was then rudely and abruptly terminated. A month later, I again called them. After being on hold for 20 minutes again, I opted for the call back option. I never received a call back. In addition, I have faxed them 4 times, and have received no response. I have never received a written explanation or any explanation whatsoever as to why I can not access my funds. If they have closed the accounts, I want my money back. I am a XXXX veteran and XXXX tied up in accounts I can not access is a big deal. I would like my money returned to me. This has been going on since XX/XX/XXXX. I am extremely unhappy about this.
This is a complaint against Experian XXXX Department. I 'm victim of Identity Theft. 
It is a platform of obsolete workers, they stayed in the past in terms of solutions and above that they do not fix anything, they violate the federal law of credit. When a citizen has negative accounts and is a victim of identity theft and has a report, these accounts must be eliminated from the credit bureau in the next 5 days.
I borrowed  XXXX  dollars and because I could n't get income based repayment options for it inahd to keep deferring the loans. causing the loan to grow to over 90k. Now I finally got the loans consolidated or so I thought then they denied me for income based repayment without a reason. So basically I 'm screwed owing   XXXX   and I should only o  we  XXXX
On XX/XX/XXXX I was in the city that I live in and got gas at a local gas station using my debit card at approximately XXXX XXXX when getting gas I was asked to put in my PIN number, as usual, and I did. About XXXX minutes later ( XXXX ) I recieved a text from my bank asking if a purchase at XXXX XXXX XXXX had been made by me, and I did not have my phone at the time so I replied at XXXX with NO which was the prompted answer. I then called the bank and blocked my card and also filed a dispute. In total {$560.00} was taken ( in increments of {$80.00} ) with description XXXX XXXX at XXXX XXXX XXXX, XXXX Ohio, {$240.00} in 3 increments of {$82.00} at XXXX XXXX XXXX XXXX XXXX XXXX, and then {$600.00} at a XXXX on XXXX XXXX XXXX ( the same address as the original withdrawl. When I filed my dispute Fifth Third told me that they would grant me provisional credit for the disputed items while the case was investigated. When this provisional credit was granted it was only for the {$500.00} for the XXXX withdrawl at the XXXX XXXX XXXX but not the other charges. I called and explained this and the bank said that they did not realize the other charges were fraudulent and then opened another dispute for the rest of the charges. In received a letter dated XX/XX/XXXX saying that my dispute for the {$500.00} charges had been completed and there had been no findings. On XX/XX/XXXX, {$850.00} was taken out of my account with the description reversal of provisional credit. That is the money that was included in my second dispute. I called fifth third who put me on the line with a dispute XXXX who explained that the dispute had been denied because the charges in XXXX had used my PIN. I explained to her that I purchased gas at XXXX XXXX   on XX/XX/XXXX and that I had received the text from them at XXXX XXXX  to alert me to the fraud. The fraud that they had alerted my to was after many of the purchases were made, which I have to assume had occurred in the moments prior. XXXX, Ohio ( where I got gas ) and XXXX, Ohio ( where the purchases were made, are 1 hour and 30 minutes  apart, so there is no physical way that I could have gotten gas using my card in XXXX at XXXX and then made it it XXXX by XXXX. Also, the dispute that did get accepted included purchases made at the same address ( XXXX XXXX XXXX XXXX, Ohio ) as the dispute that got denied. The dispute that got accepted had charges that stated a XXXX XXXX at this address, and the dispute that got denied listed a XXXX at the exact same address. The XXXX at fifth third also said that they had record that I had authorized the purchases when they contacted me, but I have screenshots on my phone that record me saying NO when asked if one of the charges was me. She advised I emailed fifth third explaining this in writing and I did on XX/XX/XXXX ( I asked for confirmation when they received the email ), and I had no response. 

Thank you
I received the letter from " Discover Financial Services '' saying my Discover credit card was closed due to its business decision. I pay bills on time never late for this credit card. Last month I was awarded credit limit raise. I do n't know why I get cut due to " business decision ''. I called a friend and found out he has the issue without any reason explained.