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. My personal information was gathered by Equifax when my credit was pulled in order to open a bank account earlier in the year. With the breach of information that has occurred, I and numerous others received no direct information about the breach from Equifax, but instead I had to hear about it through the morning news. To think that Equifax has known about the breach for over a month and people are just now discovering the impact of this is appalling to me.
Equifax is offering a verification page to see if your information has been breached or not. However, this page is a third party site with less than optimal security that is asking you to input 2/3s of your social security number as well as your last name. It appears questionable as well about whether or not the use of this service prevents you from seeking part in class action lawsuits further down the line. I inputted my information into the system regardless because I was genuinely worried my information had been affected. The site came back with the statement that they did not believe my information had been impacted at this time. However, upon further reading from other 's testimonies, it appears that there is evidence that this statement on the site could possibly be randomly generated, as some individuals have stated that they received different statements different times they 've entered their information and will also receive information stating that their identity has been stolen even when they input bogus information. So I ca n't even state with any certainty whether or not my information was affected. All the while the site keeps pushing for use of their free credit monitoring system, which will expire after one year, after which you have to pay for the uses, in effect paying protection money to the company that violated that information in the first place.
In all honesty, while the third party site may have stated that my information was not affected, I have no way of knowing besides this statement, made by the company that allowed this breach to occur on their watch. I truthfully question how comfortable I can be with their assertion.
As permitted by the FDCPA, I sent a letter to Debt collection company ERC ( XXXX XXXX XXXX ) asking them to validate a debt they have continually harassed me about. They sent me a letter months ago stating they that they will no longer pursue this debt. This response was due to the fact that I asked for validation before and they could not provide it.. This supposed debt they say I owe they have failed to validate as required by the FDCPA. This letter was sent certified mail return receipt and ERC received this letter on XX/XX/2018, signed for by XXXX XXXX. I attached below a document showing evidence of this signature. My letter asking them to validate this debt has gone without response and they have unlawfully placed this on my credit report. Once this letter is received, the collection agency must stop attempting to collect the debt and remove it from my credit reports until they supply validation. This company however has gone out of their way to defame me by putting negative information on my credit report unlawfully. This is grounds for a lawsuit. It is quite clear they do not have what is required to validate this account and must stop contacting me and remove the fraudulent entry from all three credit bureaus right away I attached a copy of the return receipt I got proving they received my letter and willfully did not respond but broke the law instead.
There was a late payment made on the account, which was not negated, however, I sent a letter to the company after I corrected the payment default and asked for a goodwill adjustment. The late payment was totally my husband and my fault, as we thought the other had made the payment. I explained the circumstances to the company and never received a response.
Since then, we have refinanced the car with another company and the account with XXXX XXXX has been closed and paid. XXXX XXXX continues to make monthly adjustments to the account. The late payment happened in XX/XX/XXXX. On my husband 's credit reports, he 's seeing different months of default. XXXX is reporting XX/XX/XXXX. XXXX is reporting XX/XX/XXXX. XXXX  is reporting XX/XX/XXXX. On my report, XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX.
The negative payment is already reporting negatively, but to see an update to the date getting changed every month is hurting even worse.
Throughout the entire course of the loan, we have only ever been late 1 time and fixed it as soon as we saw that we were late. We can understand not being forgiven for the 1 late payment, but to continuously update our credit reports with incorrect information is inexcusable. I would hate to have to file a complaint with the Better Business Bureau over the information. We are in the process of purchasing a home and this information is reflecting poorly on our loan process.
I applied for Citigold XX/XX/XXXX and was told I would receive XXXX XXXX bonus miles after I met some purchasing requirements. So I met the requirements in XX/XX/XXXX, and was told miles would post by XX/XX/XXXX. XXXX did n't post, investigation started was told I was n't targeted. I had Citi open another investigation, but it was denied again. I think it is not fair, since Citi should tell me the result when I open the account. Thanks for your help.
On XX/XX/2018 I requested that XXXX XXXX validate NOT verify a debt they are attempting to collect from me. I asked for a signed agreement and other supporting documentar. They provided me with billing statements which does not prove that I'm obligated to pay them anything. They have reported delinquent information to the credit bureaus that I'm asking to be deleted.
Hello, I am writing to complain against PayPal Inc for purposely limit my account and hold my fund from being accessed. 

On XXXX XXXX, I wrote an complain against PayPal for loading money into my account using PayPal cash card. The problem was solved yesterday ( XX/XX/XXXX, XXXX ) and I was able to loading fund into the specified account. Since PayPal has a limit for loading money everyday using cash card ( {$500.00} per day ) and I have XXXX cards for {$1000.00}, I need two days to finish loading ( yesterday and today ). I loaded the XXXX cards this morning, and wait for the fund to be settled ( according to PayPal, it requires one day ), and several hours later just after my loading, I received an email says my account was locked. It shows apparently that PayPal purposely let me load the money but lock the fund immediately after that before I even have a chance to use it. I called customer service to request my funds back but was told to wait for 45 days for no reasons. This is what had happened. Thank you! 

Regards, XXXX XXXX
First of all I am a veteran so I cant get payday loans.  Look me up.  Also I have provided the police report number, told them to retrieve since they are the ones whom did this to me.  Also where is my actual signature.  Electronic signature I  would never do that for a loan.2nd this person was awfully rude.  Unbelievably rude.   That is not my bank if you must know.  I go to a well known bank which I won't be giving any information because I still do not know whom this company is.Because I do not know whom you are.  The number you gave me was out of state.  Now you are being incredibly rude to me.
On XX/XX/XXXX, Bank of America ( the Servicer ) declined our imminent hardship ( one is a XXXX veteran ) for one of our many US, and one of the Services many, home retention ( loan modification ) options. 

On XX/XX/XXXX, the Servicer declined our imminent hardship ( one is a XXXX veteran ) for one of our many US, and one of the Services many, home retention ( loan modification ) options. 

As evidenced attached A1 and A2, each Servicer decline letters are vague?! 

The Servicers ' decline letters DO NOT ascribe, the Servicer do not evidence, what the Servicers ' REPAYMENT PLAN program guideline delinquency requirements are?, the Servicer DO NOT ascribe, evidence what the Servicers ' basic eligibility rules are?, the Servicer DO NOT ascribe, evidence how the aforesaid disqualify the imminent hardship homeowners for the Servicers ' Repayment Plan. 

The Servicers ' decline letters DO NOT ascribe, evidence what the Servicer 's 40-YEAR AMORTIZATION MODIFICATION PROGRAM requirements are?, and the Servicer DO NOT ascribe, evidence how the aforesaid disqualify the imminent hardship homeowners for the Servicers ' 40-year amortization modification program?! 

The Servicers ' decline letters DO NOT ascribe, evidence what the Servicer 's END OF DRAW MODIFICATION PROGRAM basic rules?, and the Servicer DO NOT ascribe, evidence how the aforesaid RULES disqualify the imminent hardship homeowners for the Servicers ' End of Draw Period modification program?!
My apartment complex sent an incorrect amount into collections. I spoke to agency which until was corrected I did not pay because of misinformation from old leasing complex which I was never contacted about. Agency claimed that it will not impact credit if paid which I did in full and have proof.
XXXX has incorrect information reported on my credit report. High balance is not correct. I have asked XXXX XXXX for removal but she will not delete that tradeline. She told me the balance was {$1000.00} but I settled for {$500.00}. She tried to make a deal where if I paid the remaining {$500.00} that she would delete the tradeline. She does not understand the balance was incorrect so I was not able to comply with her terms. The account was serviced by a collection agency named XXXX XXXX. It was there that they told me that after payment ( settlement ) that my account would be deleted. However, the tradeline is still listed on my credit report.
Erroneous item CHASE # XXXX ( or Chase Mortgage XXXX. ) reported by Chase to all three credit bureaus. I have repeatedly disputed and requested verification and validation of this inaccurate debt for over two years now. Chase has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. To properly validate a debt by law, a copy of the original contract signed by and obligating me to the debt must be provided to myself. Chase has negligently and willfully failed to validate this debt, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance.
There are anywhere from 30 to 40 loans listed with late payments on my credit report. My loan has gone from XXXX XXXX to Navient/XXXX XXXX XXXX and now, since I am a XXXX, XXXX will be managing my loan as part of the Public Service Loan Forgiveness Program. I no longer have any understanding or control of my credit or a signed contract to reference all that is happening to my credit as a result of my students loans completely overwhelming my credit profile and the poor servicer management of it ; however, the Fair Credit Reporting Act prorects me and allows me to know exactly why something is being reported on my credit. As a result, I am demanding that XXXX XXXX/Navient/XXXX XXXX XXXX send me VERIFIABLE PROOF as to every single late that is being reported on my credit profile. If this can not be provided, as afforded by the Fair Credit Reporting Act, every single loan on my profile must show as current. As a XXXX year old XXXX approaching an early retirement to care for my sick mother, I need this completed immediately.
On   XXXX   XXXX   XXXX     I initiated a bill payment at a  XXXX  I have been to before several times for the same service.  XXXX  is not the problem here. But they have a bill payment service that runs through  CheckFreePay, w hich is a payment system used by other stores like  XXXX . My issue is with CheckFreePay losing my money and delaying payment.     As a customer using the  CheckFreePay  service at such large department stores that offer it, you can pay a small fee  ( {$1.00} ) t o send a bill and pay it with debit, which I did. I used a prepaid  XXXX  debit card ending in  XXXX  which was charged {$500.00} ( I can see its transaction history online ) and I paid a bill to my equity line in the amount of {$490.00} ( $  XXXX  $  XXXX  {$500.00} ). The payee is  XXXX   XXXX , which is in the store 's bill payment system, and the  XXXX   XXXX  clerk was familiar with this transaction as I had done it several times before this year. I was given a receipt after the clerk was successful in entering all information, including my  XXXX  account number, which ends in  XXXX , from my supplied bill.     The payment never reached  XXXX  and I had to pay them another way to be on time for the statement ending in mid  XXXX . I called  XXXX  and they told me to try callin g CheckFreePay  at  XXXX   XXXX   XXXX . On   XXXX   XXXX  , the CS rep acknowledged that at the end of  XXXX , the company experienced a serious system failure and could not be sure when payments would be sent or the problem fixed.     I waited and on   XXXX   XXXX   I called  XXXX  to find the payment still had not been sent and so I called CheckFreePay again. I went through menus telling of the issues for   XXXX   and got through to a rep each time I called, but once I told them what I was trying to get fixed, they said they had to put me through to another department. As though there were some sort of planned scam going on, once I was transferred, all calls suddenly got routed to totally different companies! It was as if each rep was sending me away. For the first three times I tried calling in about my issue, I was put through to  XXXX , the software company, which is completely unrelated to CheckFreePay, and a rep there was even telling me how this was happening all day!     Finally I did get someone at  CheckFreePay  that was willing and able to keep me on hold while dialing a supervisor. That person eventually came on to tell me that the payment was in fact sent   XXXX   XXXX  . These payments usually go through electronically and I can see them on the receiving end in a matter of days.  XXXX  said they did not have the funds. So where is it? Even if they mailed a paper check it should have been received by now. The supervisor I spoke to gave me ID #  XXXX . I have no idea where my money is and am asking for {$490.00} to make it to my  XXXX  account right away. If this is not done quickly there will be interest penalties or late charges.     I have the supplied  XXXX  receipt with  Reference  #  XXXX .
XXXX XXXX XXXX represented by Machol & Johannes, LLLP XXXX XXXX XXXX XXXX XXXX, nm XXXX XXXX contact person XXXX XXXX XXXX filed a lawsuit and a writ of garnishment XX/XX/2018 claiming to have a default judgment against me for an amount of {$2300.00}. I contacted these people numerous times via us mail with return receipts, faxes, telephone calls, emails to verify the above mentioned debt and where I agreed to pay this. Still no debt validation. 

However, they decided to file a lawsuit without notifying me or having me properly served. I do not hear anything else from them, then I receive a writ of garnishment.
I 'm absolutely APPALLED at the " investigation '' into my credit report issues! These 2 companies have failed to correct or remove inaccurate info for 5 months now and I 'm tired of it! Their JOB is to make sure that all accounts on my credit report are accurate and complete and Congress states that they are required to go beyond the original  source of information to make sure of this. I 've requested the method of verification, procedures used to investigate as well as the proof they 're using to say that these are reporting right! For example, the XXXX XXXX account # XXXX is NOT even mine and although it 's reporting accurately, why have n't they removed it? I only have ONE account with this company! Secondly, for the XXXX accounts, they 're reporting that I was late when I was n't! Insurance was supposed to pay, and I had no obligation to pay anything on the months that are reporting late. I asked for the actual contract or agreement with my signature that states I would pay on these months and of course, I never received anything! I was NOT late on these months because I had NO obligation to pay on these months! They need to remove those! Thirdly, for TransUnion, they 're reporting inaccurate info for the public records and I 've clearly pointed out where the issues are and have requested correction or removal and of course, nothing has happened. They are required to have this documentation in their possession to keep an item on my credit report. Failing this, the item must be removed. For XXXX the XXXX XXXX account # XXXX is reporting me as late on XXXX 2016 and yet not only did I pay on time, but the other 2 bureaus are reporting accurately that I did! I asked for them to correct this and nothing happened other than that this was allegedly " verified ''! I 'm attaching all the letters that I sent to both companies and I require that these late payments and other inaccurate information is removed immediately due to violations under section 609 and 1681.
I logged onto my Bestbuy account to make a payment and noticed a deferred payment for XXXX dollars for Life Insurance. So I called CitiBank who is the creditor for my best buy credit card and they said that I have been paying .XXXX cents for every {$100.00} dollars on my account since 2007. I had no idea about this and then I asked them how much have they taken from me in this time frame and the customer service rep said XXXX Dollars. So I told them to cancel my protection plan, in which I did not sign up for anyways and that I want my full refund of whatever they took. No resolution has been made as of yet and it 's been a month later.
I have a collection on my Equifax credit report. It does not state what company it is from. It should be not be on my report. I am not delinquent with any company. Please get this addressed immediately. I will like to act upon my rights according to the FDCPA. I know the FTC also believes in consumer fairness as well. This is not reporting on my XXXX   and XXXX report. The Account number listed on the Equifax report is XXXX. I strongly dispute the inaccuracy of this being my reported on my Equifax account.
I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : SANTANDER BANK NA XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX-XXXX
XX/XX/XXXX : I attained a line of credit loan through XXXX XXXX XXXX. The representative assured me that it was different from a payday loan. I asked specific questions regarding payments..ie " When will it be paid off by making the monthly payment '' I was told by XX/XX/XXXX. I asked about interest rates and was told they were not nearly as high, compared to payday loans. The gentleman was charismatic and lead me to believe the lie. I made 4 payments of around {$200.00} a month. In XXXX I looked at my account and noticed the balance was going up. I contacted XXXX XXXX XXXX and was informed of the 246 % interest rate. I was livid given the original conversation lead me to believe otherwise. I asked the representative to please listen to the recorded message in XX/XX/XXXX. Was told there was no need, since I signed the contract. I told them that they had received enough of my money and practiced predatory and illegal methods to attain the loan account and would not pay them anymore, until they would listen to the recorded phone conversation. They repeatedly attempted contact me and I refused to talk to them. 

Today XX/XX/XXXX : I received a phone call from National Credit Adjusters attempting to collect a debt from XXXX XXXX, I explained my history with them and told the representative that I will contact XXXX XXXX directly to get something resolved. 

I contacted XXXX XXXX and spoke with XXXX. I went through the entire story ( explained above ) and requested once again to listen to the conversation in XXXX Again, I was told that they would n't because they have a signed contract.
On XX/XX/XXXX an employee of the Bank of America XXXX XXXX XXXX sent an international wire to XXXX XXXX without first negotiating the correct bank and its destination. The Funds Transfer Request Authorization transaction form records that funds of XXXX dollars were sent mistakenly to XXXX , an " additional '' or intermediary bank. THE final destination, a building society XXXX, however, was not written into the transaction at all. XXXX only uses XXXX as a clearinghouse for large automated tasks. The employee ignored the absolute necessity of listing two banks. Rather, he omitted XXXX, and gave the name and account number directly allocated to XXXX and its enormous headquarters in XXXX. This account number and name would only have legitimacy or meaning at XXXX XXXX XXXX, and not at XXXX XXXX main headquarters. On XX/XX/XXXX, after our trip, we studied the form and agreed to cancel the transaction using the Bank of America collect call overseas number on our FTRA form. We called again on XX/XX/XXXX and XX/XX/XXXX, but the transaction had not been cancelled because of their completely new requirement for XXXX to respond to their faulty wire transaction. We needed to explain repeatedly that we do not have an account at XXXX, and insisted that the error be corrected and our funds returned. On XX/XX/XXXX we have yet to ascertain the situation, although our funds have been " floating '' or " on hold '' now for 19 days because of the seriousness of the bank error. To prove our affiliation we have a checking account, checks, debit card and credit card with the correct XXXX account number ; XXXX is simply not able to recognise this transaction.
This is my second complaint to this company, this is not my debt it is identity fraud. I asked for proof in my last report from perfection collection and I'll ask again please send all documentation with my name and signature showing I knew or was aware of the debt and he 3 times you spoke with me. besides the ONE time I called this company. They have never reached out me via phone email or mail EVER! They did attach a paper with my name Ss # with a co application XXXX XXXX please send me proof with my signature that I signed and authorized this. I am not willing to pay someone else 's debt and paying half of XXXX when the original debt is XXXX isn't working for me. Send me more info than the image I attached hat u originally sent Or I'm reporting you to the XXXX
Sallie Mae / Navient is my servicer. 

I was pushed into using my forbarence and other repayment options up front causing me to collect interest and fees while on the programs. 

I wasn't explained to that this was IT. I can never miss a payment and I have no options if I get sick or can't find the money. 

Also, I have in the past been harassed by Sallie Mae operators being told what I WILL do or else. I've had them yell at me and threaten my co signer. 

I have asked repeatedly for income based repayments but they don't exist I guess. 

These loans are very difficult to afford every month and now my protections are not available because they pushed me into using them up.
www.socialsecurity.gov Attn XXXX XXXX XXXX XXXX XXXX privacy policy www.ftc.com. XXXX Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigation XXXX represented XXXX. XXXX Customer Services Topics XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tele/fax Order # Order Status XXXX. I would Like Returns Policies Personal Checks Customer Services Shipping Handling. They charge $ XXXX XXXX XXXX XXXX XXXX XXXX10 Business days. I called on XXXX/XXXX/16. I sent over XXXX pages faxed