WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover through the newspaper. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. This service should be provided for life, not one year which Equifax is currently offering. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Opened a GM credit card account prior to XX/XX/XXXX. At some point, the card management was taken over by Capital One. Have been paying down the balance since that time and in XX/XX/XXXX closed the account as I opted out of the change in terms related to interest rate. The account was paid in full on XX/XX/XXXX in the amount of XXXX. The card was paid off as Capital One changed the on-line payment methods and I was not able to use on-line account management due to these changes and Capital One refused to work with me to give me on-line access to my account, so I found a way to pay it off in full. They are now trying to charge me residual interest on {$4.00}. I tried to dispute this charge until Capital One could send me a copy of my original terms for this card, at the time I opted out of any changes to my account, but they refused to allow me to dispute the charge. 
No only do I believe they should credit my account in full for the {$4.00} charge, but should also allow me to dispute this charge so that am not charged any penalty, etc., until resolved. Capital One is completely unwilling to work with customers to resolve any issues. I never asked for this account to be managed by Capital One. I have no other accounts with them due to the unethical behavior. Just the fact that they respond does not mean the issue has been resolved. Your assistance in having my account credited in full for the {$4.00} charges would be sincerely appreciated.
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX on or about XX/XX/XXXX on EXPERIAN. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX XXXX WA XXXX has violated the Fair Credit Reporting Act Section XX/XX/XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
I had two auto loans with Navy FCU that they refinanced for me last year in XX/XX/XXXX -XX/XX/XXXX Both accounts were 30-60 days delinquent but for some reason one of the two auto loans ( one complaint is being filed about ) had a payment refunded to me on XX/XX/XXXX, which caused an additional late mark onXX/XX/XXXX. I was advised that is was transferred back into my bank account due to the account being refinanced and paid off. The refi didn't go through until XX/XX/XXXX as you can see in the attached payment history. I have asked NAVY FCU to correct this 90 days late mark on this account but they are stating that they have no way of correcting this even though admitting the error. The error being that they did not know why one auto loan processed quicker than the other or why they transferred the monies back to my account. As you will see in the payment history, the funds payment was not reversed for insufficient funds, it was merely transferred back into my checking account.
CreditKarma.com has given Fraudsters access to my personal information without my consent. As troubling as that is what troubles me more is that it has been more than 5 days and more than 5 emails an no one from that company has responded to my urgent emails ... '' please freeze my account ''. They need to be regulated! You can not be the gatekeeper to sensitive information and not have 24/7 phone support. That is insane to me! They need to be immediately shut down.
Issues : 1. I would like to point out that I did not state that there are funds missing on the XX/XX/2018 CFPB complaint No XXXX. I would like to know why they are claiming that I stated that there are funds missing. 
2. Why did the manager gave me 2 small pieces of paper when I opened the accounts?

3. Banks should provide transaction receipts even though they issue bank statements. Customers are entitled to transaction receipts.

4. Union Bank should not request customers to swipe their drivers license. I have heard that drivers license could be easily duplicated. Union Bank exposed their customers to these threats.

5. Union Bank should not have issued me an ATM card with pin purchase privilege when I told them that I only want a card for deposit and withdrawal. I could have made other arrangements.

5. Union Bank responded to my previous complaints but their responses are not satisfactory.

I would like Union Bank to respond and CFPB and other government agencies like Department of Motor Vehicle and Federal Trade Commission and other agencies.
Today is XXXX XXXX, XXXX. This property foreclosed in XXXX XXXX but the bank has not sold the unit and is not paying dues to the XXXX XXXX {$580.00} due ) or XXXX XXXX XXXX {$2300.00} due ). They also damaged Association property during the transition to take possession of the property. The estimated cost of damage is {$1900.00}.
Section 7-4-2, subsection B ( 2 ) of the Georgia Code states : Where the principal amount involved is {$3000.00} or less, such rate shall not exceed 16 percent per annum simple interest on any loan, advance, or forbearance to enforce the collection of any sum of money Loans provided to me by Amplify, funded on XX/XX/18 and XX/XX/18 in the amounts of {$1000.00} and {$2000.00} respectively were made at a significantly higher interest rate. I have also discovered that XXXX XXXX XXXX  is not licensed to make loans in the state of Georgia.
this is about the  Equifax  security breach.  I followed their  online instructions to sign up for the  credit monitoring and  received the email below promising a link within a few days to confirm.    This is now  six days later and there has been no further email from  Equifax.  Their  email did not end up in my spam,  which i check regularly.      I will attempt to re-register with the  Equifax  website about this;  my understanding is that attempting to call them results in prolonged times on hold,  so i likely won't  attempt that right now.   Given that their offered credit monitoring only lasts for one year,  and that my confidential info now is likely gone for sale for my lifetime,  i'm not certain how much good all this will do anyway.

Equifax security breach: have to get this email with link, might take several days 
Inbox
XXXX XXXX XXXX 
XX/XX/XXXX (6 days ago)

to me 
We have successfully received and are processing your information.

Next Step

You will receive an email with a link to finalize your enrollment and activate your product. Please be patient. Due to the high volume of requests, emails may be delayed. If you have not received your email within a few days, please check your spam and junk folders.

Thank you again; we appreciate your patience!
I was a victim of ID theft and Experian blocked the fraudulent trade lines as required, BUT two of the items are now being reported under a different name. someone opened a XXXX  account and also tried to rent an apartment under my name. if u noticed my previous complaint you will see the blocked company " XXXX XXXX '' tried to collect for XXXX and now " XXXX XXXX '' is trying to collect for the same blocked account.
I tried working with both Citi Bank and XXXX XXXX XXXX. I filled a dispute with my credit card company on XX/XX/XXXX over the phone that XXXX XXXX XXXX went over my {$1000.00} Credit Limit. I made 3 extra payments torwads my credit card ( XX/XX/XXXX {$320.00}, XXXX {$300.00}, XXXX {$100.00} and XX/XX/XXXX {$200.00} ) during the duration of the car rental to me the obligation amount. Citi decreased my credit card limit from {$1000.00} to {$490.00} when I filed my dispute. They reversed the {$1200.00}. the charge and post it back on my credit card that I am unable to pay. Now, Citi expects me to pay {$1200.00} by XX/XX/XXXX. I can not meet that obligation due to the lack of work and I won't start work until after XX/XX/XXXX. I work as a XXXX XXXX  and my last assignment ended in XX/XX/XXXX. I was NEVER LATE paying my credit card obligation to Citi and yet they decreased my credit card limit because I have other credit card balances. I don't see how that had anything to do with my flawless pay history with Citi.
My IRA CD matured and State Farm Bank tried to charge me a {$7000.00} late fee on and then relented when I resisted. My complaint is that the amount or rate, whatever it is, was not revealed in any previous information from them. I told them I feel they owe me {$7000.00} for being abusive. They refute that. Given that the CD paid 2 % APY it seems to me that the amount which is 2 1/2 years interest at that rate, an amount more than double the maximum penalty for early termination is usury. They refused me yesterday, XX/XX/2018. I am writing primarily to bring this policy and behavior to your attention.
I just received a notification indicating that I need to re-certify my income-based repayment plan. I ALREADY DID THIS. On XXXX/XXXX/16, I submitted a request to change my repayment plan ( currently IBR ) to REPAYE ( ref # XXXX ). I provided all of my income information as requested for this process. I do n't understand what they want from me. Are they now asking me to do something entirely different from what I 've already done in terms of providing my information? Their letter indicates that if I do n't do more paperwork I will be getting a bill for almost {$2000.00}. I 'm confused. Did I or did I not already do what was required of me?
This account was paid directly to XXXX, under a separate account and bill was sent to my home directly.i was told by XXXX that I could n't put XXXX in my home unless I made payments on the outstanding cell phone bill so for months I paid XXXX XXXX bills to satisfy this debt. I have called XXXX and pinnacle the company who has account and have gotten no where. I need this off my credit report as I do n't owe it. 
Thank you
XXXX XXXX XXXX showed up on my credit report with the acct number of XXXX in the amount of {$1500.00}. I have no knowledge of this account please have them remove it.
XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX It 's important that these accounts gets removed from my credit report. They have reported the same account more than once. It has already been paid in full. I have tried contacting them directly however they are not willing to delete them from my credit.
Dear Consumer Financial Protection, I am writing and lodging this formal complaint over what I believe is my mortgage company, Nationstar Mortgage Company ( " Nationstar '' ) deplorable and likely illegal conduct in refusing my monthly mortgage payment ( as will be detailed below ) to create a situation that allows them to foreclose upon my house even though I can make my payments. 
By way of background, I had been speaking with Nationstar on regular basis in regards to my account. In XXXX XXXX I was instructed by Nationstar to make a payment through XXXX XXXX XXXX XXXX for XXXX, XXXX. I made the payment on XXXX XXXX, XXXX which covered the month of XXXX. I called Nationstar and informed them that the payment was made ( keep in mind I was only a month behind in my payments ). At that time Nationstar instructed me to make XXXX payments in XXXX which would have brought me current. XXXX XXXX, XXXX I went to the XXXX XXXX to make a payment I only had the money for XXXX 's payment, Nationastar would not accept the funds, and then they ( Nationstar ) returned the payment I had made in XXXX. 
So now not only am I calling everyone including XXXX to get answers and explaining if Nationstar just have accepted the payment I would not be in this predicament today owing over eight thousand dollars. Nationstar has made this situation worse than it was. Also, Nationstar has stated that I owe for the month of XXXX I have sent them several copies of my payment, and they refuse to note that to my account. Today I am facing all types of mortgageproblems. Nationstar is refusing to assist me stating that they have given me XXXX modifications. The only modification I can say I agreed with was in XXXX after a terrible divorce. I was unemployed in XXXX XXXX until XXXX XXXX. XXXX XXXX I went to the hospital XXXX which caused to some hardship in mortgage payments. But, never did Nationstar assist me with XXXX modifications. 
It is clear that Nationstar is aware that I have a good deal of equity in my house ; that is why I believe ( as does my attorney ) that Nationstar is being so aggressive in creating this situation and why, over a relatively small sum ( now about XXXX mortgage payments ) they are refusing to work with me. As an aside, even though my finances are tight, Nationstar 's conduct has resulted in my having to retain a law firm who has experience in obtaining loan modifications in Maryland. He too shares my view of Nationstar- please compel them to explain their actions and also to allow me to have my attorney submit my full loan modification package, which is all together and ready to go but Nationstar refuses to review.
I closed my credit card account with Citi on XX/XX/XXXX. I paid the account balance in full on XX/XX/XXXX.The last statement was due on XX/XX/XXXX so I now realize this was late. I was charged interest of {$3.00} and a late fee of {$25.00} on XX/XX/XXXX ( the day after I paid the account balance in full and two days after the XXXX statement was due ). Of course I did not realize I was charged because I did not know the bill was paid late and I had though that I had paid the account balance in full ( not just the statement amount ). Since then I 've been charged an additional late fee of {$25.00} and an additional interest charge of {$0.00}. I asked them to please remove the late fees since this was clearly a misunderstanding, I had never paid a bill late before, and had already attempted to close the account. Citi told me that they can not waive the late fees because my account was closed. I feel that I am being penalized for closing the account. The terms also say : " The amount of your late fee will never be higher than your Minimum Payment Due '' which is not true in my case since the minimum would have been the interest charged. Also, I was told that my account did not have " Courtesy Late Fee '' removal because I earned miles using the card ( though other Citi cards do ) and that is not listed in the terms of agreement.
I mailed a letter XXXX requesting debt validation to LVNV on XXXX/XXXX/16. In that letter, I invoked my rights under the Texas Finance Code 392.202. They have failed to provide proper validation, Texas law requires that they delete their reporting, and cease all collection activities until FULL VALIDATION UNDER TEXAS LAW IS PROVIDED. 
Sec392.202 requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by the agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101. 

LVNV is also deliberately treating a debt validation under Texas Financial Code as if it were a dispute under FCRA. I believe this to be an abusive application of the FCRA dispute process, as placing dispute comments derails credit applications. This seems to be a common tactic lately, and their intent is to discourage consumers from seeking their rights to debt validation under FDCPA and state statutes. In my letter, it states I am requesting validation. They are broadly interpreting the term dispute. If LVNV DID actually consider the letter to have been a reportable dispute, then they must treat it as a direct dispute and investigate it as such, conclude that investigation within 39 days, and send a NOTICE OF RESULTS to the consumer. They thus did not treat it as a direct dispute, undermining their statement that it was a dispute.
Re Account XXXX with XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX After opening this account -- last spring -- to buy clothing for my XXXX, Texas-based granddaughter, I only received my first bill in late XX/XX/2018. This, the first bill, included a late and an interest charge. 
I have paid the original amount, but not the other charges, which I am disputing with XXXX XXXX, of XXXX, OH. 
I suspect this may not be a solitary occurrence, but, perhaps, an example of a systemic fraudulent practice. Please investigate.
Navient is the loan provider. I have asked for a budget/ income driven loan and they through me out of the the repayment plan because I took a home equity loan to fix some things in my house. They said that new credit was the cause of them throwing me out. Later I asked for a forbearance and they said I had 4 month of forbearance available, but I could only take 3 months at a time per their policy so they charged me {$50.00} for 3 months, then another {$50.00} for 1 month. They do not treat their borrowers very nice!
Trying to use XXXX keeps saying has n't received any Direct Deposits from my bank SunTrust
On XXXX XXXX, I received a phone call from Nelson Cruz and Associates, advising that if I do n't pay taxes on an old debt that was written off over 7 years ago, that they would garnish my social security wages and freeze my credit cards and bank account. They represented themselves as being associated with the IRS. The total they were looking to receive was {$1700.00}. I was not home at the time of the phone call, so I called them back and they started threatening me. I was not going to pay them, since the initial debt was written off, but they kept calling and harassing me to the point that I gave them a credit card to pay this debt. When I realized what I had done and that this was a scam, I called my bank ( XXXX ) to put a stop on the payment, and they froze the account. They later unfroze the account and made payment because they found out that I had unwittingly given them my account information. I spoke to XXXX Bank fraud department and they told me that I was not informed of my right to cancel under the cancellation refund policy and I should make a formal complaint against the company. 

I made this payment under duress, since I am living on a fixed income and could n't afford to have any of my income frozen. I am, therefore lodging a formal complaint and am looking for a refund of the {$1700.00} from this company that should not have been paid in the first place. 

Please look into this and advise how I can proceed. 

Thank you. 

XXXX XXXX
I have a lease contract for {$170.00} per week, i 've been paying this for almost 12 months. Apparently Uber initially had me sign the wrong lease Contract, which was for another car their payments were {$170.00} per week, mine should 've been {$170.00} per week. Since uber lease made a mistake in having me sign wrong contract and quoted me the {$170.00} per week they told me they would have me signed a new contract and honor the same terms ... this was back in  XXXX . Last month they started taking out {$170.00} per week, I 've called them several times over the past several weeks and I keep hearing the same thing it 's been escalated, they 're working on it but they need me to produce a contract showing the {$170.00} per week which I did with the old contract could n't find the new  one  I initialed. Still looking for new contract but they do n't have anything in writing with me signing anything stating I would pay {$170.00} per week. This is a breach of contract,  Uber  leasing company has failed to correct this and is continually taking out the wrong amount. This all started initially with them taking out a Extra amount of {$150.00} out of my direct apposite for no apparent reason, all payments have been taken out of my account by direct apposite for the past 12 months every week for {$170.00}
I recieved a call from midland funding llp. The caller stated that they were located in  XXXX . The number used to call me was  XXXX . The caller stated that i owed {$800.00} for a  XXXX   XXXX  bank credit card. I told the caller to mail me a detailed letter of the debt. Caller stated that letters was sent to me. I explained to the caller that i have not recieved anything in the mail and to resend a detailed statement letter in which this caller refused.
On  XXXX   XXXX ,    2017 I received a letter ( c opy enclosed ) advising me that m y Sears  Credit Card account had been closed effective  XXXX   XXXX ,    2017. According to the letter " Our decision to close your account was based on information we received that you may have filed for bankruptcy ... '' When I questioned the m who sent them this information, they said it was by me ( my name ). they insisted it was valid information. They took my information, credit card number and the last  XXXX  digits of my Social Security number, and said they would investigate and get back to me  in 3 to 5  business days.     I FEAR THAT TH IS MAY  BE A SCAM BUT MORE IMPORTANTLY, THIS COULD RUIN MY CREDIT RATING.     Please advise if there is anything I could do to remedy this problem.      XXXX   XXXX   XXXX
Filing action with court multiple times even though I have a payment agreement inplace. I believe they searched out my name a acquired any accounts and filed claims, knowing that they could collect more.