WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax, through what at this point appears to be gross negligence, was affected by a cyberattack that resulted in the theft of the personal information of 143 million names, social security numbers, addresses, and associated data. Equifax has been aware of the breech since XXXX XXXX, but only made this information public on XXXX XXXX. 

At this point, it looks likely that my information was affected, but there 's no way for me to determine this : the tools Equifax has provided are demonstrably non-functional. 

Despite presumably having complete address records for everyone affected ( they are one of the major credit reporting companies, after all ) they instead suggested that people who might be affected go to an insecure site where they are asked to provide even more personal information, with no guarantee that they can keep that secure either. 

The XXXX for their site uses a number of what are commonly referred to as " dark patterns '' which is barely acceptable on a site trying to get me to sign up for their newsletter, and absolutely unethical on a site that purports to be offering assistance to victims. 

Equifax is using the incident as a loss leader for a subscription to their premium TrustedID service. While offering some form of identity protection is common after a security breach, most negligent companies are n't so brazen as to attempt to directly profit off the victims who were just robbed. 

It 's also become apparent that their auto-generated PINs for credit freezes use an extremely insecure, bringing into question how secure the rest of their data is.
Around XXXX I submitted a complaint about a debt collector ( XXXX XXXX ) that resulted in a removal of the debt from my credit report due to their failure to send notice as well as their failure to validate that I owed it. 
Since then, the debt was sold to a company named Senex Services Corp. This collection agency also reported the same account as a legitimate debt to the credit bureau without sending me notice. I contacted the company and requested validation and they have not provided it and will not remove the information from my credit report. They reported it in XXXX. Thank you.
My bill is only 5 days late, and in those 5 days XXXX has been calling me non stop. I received at least XXXX calls a day in the last 3 days alone. 

I spoke with a representative XXXX on XXXX/XXXX/XXXX at XXXX and advised her to stop calling me and to notate my account that I do not want anymore calls. 

Since that time I received another call at XXXX. The next day, XXXX/XXXX/XXXX I received a call at XXXX.
Capital One Bank closed my savings account without my consent and without any notice plus I did not get my funds from my account. I have emailed, called and sent XXXX to their Customer Service XXXX profile @ XXXX and they will not reopen my account and restore my funds and history for that account. I have opened another complaint about this issue XXXX-XXXX and Capital One Representative XXXX XXXX would not restore my savings account or funds. The reason I am opening this complaint is because my issue is never escalated to any other employee but XXXX XXXX. She must have noted in my account to forward all my complaints to her because Capital One has thousands of employees and every complaint or call I make regarding this account, it is ALWAYS forwarded to her. I am requesting escalation of my complaint to be reviewed by XXXX XXXX 's Management. My savings account should have never been closed without any notice. I was receiving my account mailings from Capital One and this was handled very underhanded and corruptly plus XXXX XXXX is making sure that no one in Capital One 's Leadership is aware of what she has done to my account. Please assist me getting my savings account restored. 
Thank-you
On XX/XX/2018, I deposited {$1300.00} in cash into the ATM at the XXXX XXXX XXXX in XXXX XXXX, CA and was only credited {$680.00}. 

The BBVA ATM takes in 35 bills at a time so I inserted my thirty-five {$20.00} bills, totaling {$700.00}. The ATM then asked if I had any more cash to deposit. Since I had another 34 bills totaling {$680.00} to deposit, I pressed 'Yes ' and inserted the other {$680.00}. After processing, the ATM then displayed a total deposit of {$680.00}. I was confused about the amount but there was no option at the ATM to go back so that incorrect amount went through. 

The deposit went through at XXXX XXXX  PDT, after which I stayed for a while in the 24-hour ATM vestibule trying to resolve the issue over the phone. Due to offices not being open, I called back multiple times over the course of the past month and yesterday had a chance around my work schedule to make another visit to the bank. They told me that the investigation had been closed and that the ATM was not over, not granting me my {$700.00} that I am missing. 

I deposited {$1300.00} in cash so I am missing {$700.00} at this moment. I was in the 24-hour ATM vestibule around XXXX XXXX PDT when the transaction took place, where there must be a video record. There was also another person there who witnessed and can attest to these events.
I purchased the car on XX/XX/XXXX. I asked the dealer for a copy of all my loan papers he informed me that the papers are to go back to the loan company. At the dealer I took the option for gap insurance. I was in an accident on XX/XX/XXXX. I spoke with consumer portfolio services on XX/XX/XXXX @ XXXX XXXX. I asked about my gap insurance only to be informed that I didn't have gap insurance. I would like a clear copy of everything I signed at the dealer as well as a sheet with my signature stating I did take the gap insurance. I find it very funny and I had a complaint on this earlier with this bureau about CPS.
Leaving me voicemails claiming to issue papers to me and if I am not home, they will report it as a missing court hearing. Also claiming that they have sent me certified mail to an address I do not live at. When I asked them to resend the letter to my correct address, they refused and said they already did their part.
The original loan was with XXXX XXXX then XXXX XXXX XXXX purchased my load then sold it to XXXX then changed their name to Shellpoint. I have on many occasions asked that my loan be modified into a 30 year fixed they will not respond to my request. These loans were a horrible thing they did to consumers and I have tired many times in the XXXX years to get out of the ARM. My loan payment goes up every XXXX months the original amount was {$1200.00} a month has now increased to {$1400.00}. I can not continue this madness!!! I NEED HELP!!! I contacted my Congressman who suggested that I contact your company since my request have went unanswered.
I disputed the following accounts with Equifax. 
XXXX XXXX XXXX- XXXX I have disputed this information multiple times to Equifax. They keep saying they verified information with the following companies. These companies have stated they do not have validation to the Consumer Financial Protection Bureau
NEITHER OF YOU CRAs follow your own policies nor the Federal or State ... .. 

I DEMAND PER THE CHALLENGES ( DISPUTES ) SUBMITTED ALL OF THIS CALENDAR THE FOLLOWING INFORMATION AS IT PERTAINS TO YOUR SO CALLED INVESTIGATIONS WHICH ARE SIMPLY YES OR NO QUESTIONS YOU ASK THE DATA FURNISHER ... .I HAVE DONE EXTENSIVE RESEARCH AND THIS IS WHY YOU GUYS ARE ALWAYS GETTING SUED!!! ALL YOU CARE ABOUT IS MAKING MONEY AND NOT ABIDING BY ANY STATUES, LAWS, CODES, POLICIES THAT YOU YOURSELVES HAVE IMPLIMENTED YOU CARE NOT ABOUT THE AMERICAN PEOPLE WHO MAKE YOUR POCKETS XXXX ON A DAILY BASIS YOU ARE ACTING AS XXXX HIMSELF!!! 

I DEMAND : 1. ) NAME AND TITLE OF ALL MEN AND WOMEN WITH WHOM YOU HAVE COMMUNICATED WITH REGARDING EVERY ACCOUNT DISPUTED IN XX/XX/2018 2. ) PHONE NUMBER OR EMAIL OR FAX TO THE MEN AND WOMEN WITH WHOM YOU HAVE CONDUCTED YOUR INVESTIGATIONS WITH 3. ) FULL DETAILS ON EXACTLY HOW YOU COMPLIED TO EVERY LETTER AND WORD IN THE AFFIDAVITS I HAVE SENT YOU 3 XXXX CRAS!!!!!!!! 

SO RESPOND TELLING ME DO WE NEED TO SETTLE THIS MATTER IN COURT OR NOT? DONT RESPOND AGAIN TALKING ABOUT WHAT YOU VERIFIED!!! THAT IS REDUNDANT WHEN YOU ARE USING SOME LAME XXXX XXXX XXXX XXXX   YOU PLAY THE GAME IN AN UNFAIR MANNER ... .WE ALL KNOW WE NEED DOLLARS AND CREDIT TO CIRCULATE THRU THE ECONOMY ... .PLAY FAIR FOR ONCE!!!!! FREAKING PUBLIC RECORDS SHOULDNT EVEN BE DISPLAYED ON MY CREDIT REPORT AS I OPTED OUT OF SO MANY 3RD PARTIES AND YOU TOO ARE A 3RD PARTY!! 

YOU HAVE NO FIRST HAND KNOWLEDGE OF PUBLIC RECORDS WHAT SO EVER!!!!
on XX/XX/XXXX I sent a dispute letter and credit bureaus responded with the debt was verified, but last on XX/XX/XXXX I paid the debt for a deletion off of credit file.
This complaint is for Wells Fargo Bank only to respond to and not for XXXX XXXX XXXX or any other company that is affiliated with XXXX Loan Trust XXXX! 
On XXXX XXXX XXXX, I received a letter from Wells Fargo Corporate Trust Services dated XXXX XXXX XXXX. The third paragraph states ; after researching this matter further, we have verified that Wells Fargo Bank is not the investor nor does it have a direct role in servicing your current loan. Wells Fargo further stated that Wells Fargo Bank N.A acts as the master servicer for the securitization which holds your current loan. In securitizations for which we act as master servicer, the servicer works directly with the home owner. Now ; the definition of master servicer is ; an entity that acts on behalf of a trustee for security holder 's benefit in collecting funds from a borrower, advancing funds in the event of delinquencies and in the event of default taking the property through foreclosure. Now ; since Wells Fargo Bank acts on behalf of a trustee and is the master servicer for our loan which is located in XXXX Loan Trust XXXX, then Wells Fargo Bank would be able to answer the following questions. 
First, who was the investor that received the trust certificate when placing our residential mortgage loan into this pool of trust XXXX XXXX XXXX XXXX XXXX XXXX? 
Second, what date did the investor place this asset into the pool of trust XXXX XXXX XXXX XXXX XXXX? 
Third, who is the current investor of our note/trust certificate holder? Do not say that the trust owns our note ; I know that there is an investor and a trust certificate that was issued by the trustee at the time that the asset was placed into the pool of trust! 
Fourth ; Wells Fargo Bank sent us a letter dated XXXX XXXX XXXX which states ; Wells Fargo is the investor of the loan. On XXXX XXXX XXXX, Wells Fargo Bank believed that they were the current investor of our loan as they did on XXXX XXXX XXXX per the documents that they provided. Did Wells Fargo Bank participate in foreclosing on our loan/property on XXXX XXXX XXXX? 
Fifth ; if Wells Fargo Bank did not participate with the foreclosure process, then which company did initiate the foreclosure process on XXXX XXXX XXXX? 
Sixth ; is Wells Fargo Bank aware that fraud and robo-signing has occurred within our note/residential backed securities which is located inside XXXX XXXX? 
XXXX ; please answer all questions and provide documentation for each question asked! 
Wells Fargo Bank must comply with our requests or face more complaints against Wells Fargo Bank with federal agencies, along with the media, social media and internet!
My account for XXXX XXXX I received from XXXX XXXX XXXX was placed at AAGON Agency for collection. The information in my file contains my personal information including my SSN. Recently I have noticed suspicious active on my credit report in the time my account was place in AARGON Agency. I have notified the credit reporting agencies and was advised to confirm that any third party that received my information in 2015 is compliant with XXXX CFR Parts XXXX, XXXX, and XXXX Health Insurance Reform : Security Standards ; Final Rule, Gramm-Leach-Bliley Act and California XXXX. XXXX and XXXX. XXXX. I have made the request and AARGON refuses to provide this information
on XX/XX/17 I looked at my credit report online, with one of the free websites. I found another XXXX XXXX, who lives in XXXX, CA on two of the three reports. From the scores listed, my score is bringing hers down with Experian and XXXX. Of the three reporting agencies, only XXXX   did not have the XXXX XXXX in XXXX. Today, I tried to notify them online but could not contact them with out signing up for something. I tried calling but got a robot and could not get a person. Her score makes mine look really good, in the 700-800 range. With out XXXX XXXX, my score is XXXX, not too bad and much more realistic. I am concerned that my score could adversely affect XXXX XXXX XXXX financial possibilities. I just want to straighten things out and have accurate information for both of us.
I filed bankruptcy with my husband in 2014 which was charged off on in XX/XX/XXXX of that year. Chase Bank was one of the credit cards included in the bankruptcy and now they are reporting that they charged this off and I have several missing payments which is hurting my credit very badly. I need this removed off my credit report immediately as I am applying for a car loan and will be moving soon. We included ALL credit cards in our bankruptcy so we should not have any on our credit report. I am attaching my bankruptcy discharge paper- work showing Chase Bank listed as proof.
Earlier this year I opened a Citigold checking account using an offer which would give me XXXX XXXX XXXX AAdvantage miles after satisfying a specific set of requirements. On XXXX XXXX, 2016 a Citi customer service employee verified for me, via online chat, that the promotional offer was applied to my account ( I have a downloaded chat log verifying this ). On XXXX XXXX and XXXX XXXX, 2016 I received verification from a Citi customer service employee that I had met all the requirements of the promotional offer and would be receiving the XXXX XXXX XXXX AAdvantage miles within 90 days. 

Upon following up on receiving my miles I was then informed by Citi that I was not eligible for the promotion. I reminded Citi on several occasions via secure message within my online account that I had chat logs and screenshots verifying that they had confirmed with me months prior that my account was eligible for the promotion, and that I would be receiving my miles. 

To do day Citi continues to deny fulfilling their end of the promotion despite all of the evidence I have and confirmation from their own employees in XX/XX/XXXX and XX/XX/XXXX that I was both eligible and would be receiving the miles. 

I am a consumer who has multiple accounts with Citi. I have been a good customer of theirs and have never missed payment on any of my services with them. Their denial of this promotion to me, despite their own employees confirming I was eligible prior, feels like a bait and switch tactic. I am turning to the CFPB as I feel I have no other recourse. 

Thank you.
In XXXX, I sent certified letter to dispute an inaccurate acct on my credit report. In XXXX I sent a fax with proof of inaccurate reporting. According to my understanding of the Fair Credit Reporting Act, their duty as creditors/reporting agency is to accurately report on all accounts and to correct any and all mistakes as found by their accounting department or by myself as the consumer. I thank you in advance for upholding the federal law as dictated by FCRA, and removing these accounts immediately.
Ocwen Loan Servicing LLC have been over charging me for escrow account by {$4900.00} per year. I have talked to ocwen call center staff in XXXX numerous times to resolve this but they have not resolved this issue and they are not able to communicate in this regard.
Last evening at   XXXX   XXXX   Midlanding funding went into our   XXXX   XXXX   account and withdrew {$1800.00}  plus  &  XXXX  process fee with no warning, which is my  XXXX  pension that I live on. The bank said they won a court judgment against me for a previous credit card debt. This  3rd  party is not even the original creditor -- it was  XXXX   XXXX  or  XXXX   XXXX  I believe. I had lost my job as a   XXXX   XXXX   and went our on a   XXXX   %  XXXX . When the economy crashed in   XXXX   around the same time my husbands   XXXX    business crashes as well and we were in survical mode with  XXXX  children. and a sick  XXXX . They have left me with not enough to pay my bills!!!
I have been victim of banking fraud for both Wells Fargo and XXXX XXXX XXXX.

My bank is XXXX XXXX XXXX and other party is Wells Fargo. I made transfer via XXXX on XX/XX/2018 and it was accident to send wrong person and same day, I have contacted my bank to be protected and I also contact the other party who I sent wrong. He is very cooperative with me to return money. As of XX/XX/XXXX, he sent me letter from his bank that they have reversal and claim was closed and return money to my bank. I filed dispute with XXXX XXXX XXXX and the lady from XXXX XXXX XXXX   called me and said Wells Fargo which is his bank, said they refused to return money due to unauthorized and my money is forfeit. I was so mad since I have evidence that they reversal but XXXX XXXX XXXX does not want to return money and I have no where to go than go back to file another dispute and drag Wells Fargo in. Since the other party said he is volunteer to return and cooperative and my bank refused to talk to him and I dont know what else to do to get money bank when Wells Fargo had send back to me
For some reason XXXX XXXX has not sent me proof of my obligation of this alleged debt as requested and continues to report this trade-line to the XXXX major credit bureaus. This is creating major issues for me, such as, higher interest rates, denial of credit, lower credit scores, and job declines. 

I disputed this account on multiple accounts with all three major credit bureaus. Starting back on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I also sent a dispute request directly to XXXX on XXXX/XXXX/XXXX. To date, XXXX continues to ignore my requests and they continue to ignore my consumer rights. 

I believe this account does not belong to me. I requested the documents in their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit file. All unverified accounts must be deleted. 

Who verified the account? What documents did they use to verify the account? Where are the documents used to verify? 

The only correspondence I have received was a billing statement. This item does not qualify as verification per FCRA. This company is in violation for continuing to verify the account with the credit bureaus without providing the evidence as requested. It is my contention that XXXX know they can not tie me to this alleged account, otherwise, they would have done so when I made my other attempts. XXXX is blatantly disregarding the law.
OCWEN Loan Servicing LLC is at it again. 

I 've already had to file a complaint on them for changing our mortgage payment without notice XXXX XXXX 2013? XXXX. They complied and changed our payment to XXXX reflective of our loan terms and APR. 

Now they are attempting to do so again. They 've sent a document stating that our APR is the same, but our payment has increased by 243 %. How can this be?
I attempted to purchase a concert ticket from someone using XXXX. This person asked me to send him {$250.00} on the XXXX app. He had an email account associated with XXXX so they should be able to track him. He then did not send me the ticket and ripped me off. I called my bank that was connected to XXXX to try to reverse the charge. Since XXXX has confirmed him as a customer, they should not allow him to commit these crimes of fraud. I would like to have charges filed against him.
XXXX took {$6000.00} from my bank account last week. The first withdrawal was under my consent. The additional XXXX withdrawals were not. 
I have had some issues with this company in the past, but over the years they have accommodated my need for an adjusted payment so I was n't overly dissatisfied ... until now. 
Part of my adjusted payment plan meant I was required to sign up for XXXX XXXX which is an electronic direct withdrawal from my bank account monthly for the AGREED upon amount. When I have extra cash from a tax return or bonus I will add this to the payment. 
About a week ago I decided after getting a hefty bonus payment that I was going to make a large lump sum payment to one of my loans. 
I set the payment online, hit submit ONCE, and got ONE confirmation number. Fast forward to yesterday and XXXX has fraudulently withdrawn an additional {$6000.00} dollars from my bank account. The amount of catastrophe this has caused is unmeasurable. 
In all, XXXX made XXXX {$6000.00} withdrawals in two days from my account, a total of {$18000.00} dollars of which only XXXX installment was returned leaving me - {$12000.00} and unable to pay my bills on time. 
I spoke with XXXX at XXXX yesterday who informed me the 'refund ' process takes 30 days and my best bet is to speak with my bank. 
XXXX took money from my bank account without my permission. Having my bank information for PREVIOUSLY AGREED UPON monthly charges does not permit you to take large sums of money from my bank account. 
I will be calling the company again on Monday and requesting a more timely resolution to this issue, if not I will be seeking legal counsel and seeking damages for the other accounts that I can not payoff while this issue is being resolved. 
My bank account is now negative thousands of dollars and I can not pay my rent, buy groceries and will be late on and charged fees for a number of other loan and utility accounts. Furthermore, I am being additionally charged for everyday it is negative. Which will be until the payment is refunded.
I sent the following correspondence to credence on XX/XX/XXXX : Dear : Credence Resource Management On XX/XX/XXXX I noticed this debt on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and Louisiana Fair Debt Collection Statute RS 9:3562. Please forward the following : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. 
I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act. 
Aside from verifying the debt, do not contact me about this debt. The FDCPA require that you honor this request. 
Sincerely, XXXX XXXX On XX/XX/XXXX they let me that they had received my complaint and would investigate. On XX/XX/XXXX I requested the results of the inquiry in writing with additional calls on XX/XX/XXXX and XX/XX/XXXX with no response. The company then responded on XX/XX/XXXX indicating they were still investigating. I then called the same day and received no clarity.
a collection Agency ( Hunter Warfield ) tries to collect a Debt from a Company ( XXXX XXXX ) that doesn't exist and failed to verify the Debt to my person! The company still threatens me and damaged my Credit
I was trying to modify my FHA loan, and the lender ( U.S. Bank National Association ) denied me base on " insufficient down payment '' requirement. FHA does not require a down payment, since then they have tried to gain possession of my property. I have a court hearing tomorrow XXXX/XXXX/2015 in XXXX to try to stop this injustice. This has been a great burden on me and my family.