WillisBack/dataset-financial-user-claim huggingface dataset:
This is not a personal account of what happened to myself, but an account of what TransUnion and XXXX is doing in response to the XXXX data leak. Bottom line is congress needs to step up and make freeze and thaw free under federal law. 

TransUnion is trying to " persuade '' customers to enroll in their product TrueIdentity by redirecting clients who are trying to put a freeze on their credit through webpages that are misleading and aimed at convincing the client to enroll, rather than freeze. XXXX is doing the same with their product called XXXX XXXX. This practice by TransUnion is described below : " If you want to place a credit freeze with TransUnion now : 1. You have to get through a page of info about credit and fraud, and then the action it tells you to take is to " Lock your credit information by enrolling in TrueIdentity. '' 2. The option to freeze your credit is under " About credit freeze '', deliberately passive in their use of language 3. The description about credit freezing is dissuasive : " A credit freeze may be available under your state law '' 4. The link for the credit freeze is also a passive " click here '' compared with " by enrolling in TrueIdentity '' language used for the link to their own product.
5. Clicking the link to learn more about credit freeze brings you to yet another page that tries to convince you to enroll in their product over placing a credit freeze 6. After searching through their page of XXXX, you finally get to the link to freeze your credit. '' Fortunately, I was not affected by the XXXX data breach, however, I am not one to stand by while others are taken advantage of during a crisis like this one. If you 've read this far into my message, then thank you for your consideration.
I bought a XXXX washer and dryer set plus a XXXX refrigerator and a stove. The washer stopped working about 3 months ago. I called Conn 's to get it repaired. They sent out a technician to fix the recall but not the washer. The technician stated hat there was no work order to fix the washer but he would but one in. So after a month we called them back to see why they have n't fixed the washer. They said we will have to call XXXX because it 's still under warranty with them but that warranty expired in XX/XX/XXXX. The warranty with Conn 's was valid til XX/XX/2017. About going back and forth with Conn 's they stated hat the washer could not be fixed. XXXX said that we had to fill out paperwork to get our refund for the washer. I did everything that XXXX wanted us to do. Conn 's still want me to pay for the washer that do n't work. They call my house and cellphone all hours of the day and night. Just the other day they called at XXXX. That 's too late for anyone to call about a bill.
In the XXXX, I was accepted into a XXXX at the University XXXX. On XXXX XXXX, XXXX, I received the email below from fedloan servicing. 

" UNIVERSITY XXXX notified us that you 're enrolled in school. We placed your loans on an In-School Deferment or updated your existing deferment dates. This means you are not required to make payments until your deferment ends. However, if you are able to make payments while on a deferment, it helps to reduce the total amount you have to pay back. 
In-School Deferment Dates Deferment Begin Date XXXX/XXXX/XXXX Deferment End Date XXXX/XXXX/XXXX '' So, since I was under the impression that my loans were in deferment, I did not make payments in XXXX or XXXX. That was fine. There were no issues in XXXX or XXXX XXXX. Then, on XXXX XXXX, I received the following email ... 

" Account Number : XXXX Your FedLoan Servicing account is due for a payment on XXXX/XXXX/XXXX. 

To make this payment, select " Make A Payment '' below and sign in. Or go to Account Access at MyFedLoan.org and select " Payments & Billing ''. You may also view your most recent billing statement at this same location and in your paperless inbox. '' Please note - the email was sent XXXX XXXX, and the bill was due XXXX XXXX. Really, I get one day notice when I was under the impression the loans were in deferment? When I called fedloan servicing this evening, the gal I spoke to could not find evidence of a bill and apologized because this delinquency was their fault. I was presented with two options - pay the amount in full, or file a one-month forbearance. A forbearance would have helped, but when you 're paying XXXX dollars a day in interest it 's not really worth it at that point. 

I graduated with about {$45000.00} in student loan debt. Not nearly as bad as it could have been, but I 've worked my XXXX off to repay my loans in full and on time. I 'm not on income-based repayments, and I 've NEVER missed a payment, but now, I 'm responsible for " fixing '' this problem that was not my fault. 

How can they change the status of your loans without notifying you? How do you know you need to make a payment when you do n't receive a statement? 

Note to all, login to your accounts and stay on top of things! If I would n't have caught this mistake when I did I would have risked it damaging my credit score, the score I 've worked hard to build, the score that controls your financial well-being.
On XX/XX/XXXX Nationstar approved the hurricane Irma Forbearance Plan beginning XX/XX/XXXX due to the damage of hurricane Irma that impacted our area. They sent me a letter approving the Forbearance 6 months which lowered my payments. I received the letter approve the Forbearance on XX/XX/XXXX and another approval letter on XX/XX/XXXX I received a phone call from Nationstar end of XX/XX/XXXX that I was no longer approved for the Forbearance and that I would have to send them a check {$16000.00} they said I missed a payment in XX/XX/XXXX they had approved the payment to be put on the back of the loan.
I had a judgment against me on a {$5000.00} balance from an old XXXX credit card from my early XXXX and I 've been paying on it for almost 7 years now, around XXXX every year has been taken from my check and I have more than paid this debt back and I feel I 'm getting taken advantage of by their debt collection service, Kohn Law Firm.
Applied for a CITI card. They stated that THEY WOULD NOT PERFORM A HARD CREDIT CHECK. looked at my credit report today X/XX/17 and it had already shown up that CNBA had performed a hard credit check. I want it removed from my credit report as I DID NOT AUTHORIZE THIS!
I submitted a package to Bank United back on XX/XX/XXXX in request to mortgage assistance. They requested additional information in which I sent to them in a timely manner, as of XX/XX/XXXX, I was informed my application is with the underwriter and is in active review. I am facing a foreclosure sale date on XX/XX/XXXX and the lender nor the foreclosure attorney have postponed the trustee sale, leaving me in a panic and stressful situation. I am aware of the laws of dual tracking and I know I must be provided a decision prior to the lender proceeding with the foreclosure. If I am denied loss mitigation assistance, I have the right to appeal in a timely manner. I am not sure why Bank United can not postpone the trustee sale given there are only 2 business days left until the trustee sale and leaving me to be unsure of how things will proceed and to be in a panic. Additionally, I was never provided a direct point of contact nor did Bank United reach out to me for options to save my home both which are violations of the Homeowner Bill of Rights.
On XX/XX/2018, we rec 'd two unwanted cards we needed to activate, due to XXXX XXXX changing banks. We did so, and per directives, destroyed the old cards. About three days  later, we began finding out odd things. First, the credit bureaus reported the former XXXX   accounts closed XX/XX/2018. However, the cards worked thru the morning of XX/XX/2018. We were told PINs would be automatically sent on XX/XX/2018. When they hadn't come in two weeks, we called and we were told they would be sent again. There seemed to be little interest in what happened to the first ones. Finally three days ago, one of the two PINS arrived. When I communicated via secure message, I was told ( today ) that another (! ) PIN would be sent for a name not at all a part of our account. When I just called about that, the agent suggested it must be a fraudulent message ( in their secure message account!!! ). The lack of the credit limit has prevented us from automobile shopping needed to be completed for a grandchild. There's an unknown person receiving one of our PINS. We are financiually vulnerable.
USD ) on XX/XX/2016. The date of expected payment/ deposit of the USD was XX/XX/2016. I was using XXXX transfer services. I had problems in the past sending a smaller amount. ( A staff had helped me over the phone to send a previous amount and gave me the wrong info. - which I found out a week later when the transaction did n't process and had to redo it which delayed my payment further ). On XX/XX/2016, I was called by an XXXX transfer rep regarding the XXXX XXXX transaction and I stated that I had a lot of problems in the past with my personal bank and I did n't think it would work since my personal bank had to verify the account first, then may send the money. The verification process takes 2-3 business days and I would miss my deadline of XX/XX/2016 so I requested to cancel but she said I could n't cancel because I signed a " legally binding contract '' to pay for the XXXX since they " had purchased the XXXX based on my order '' at the exchange rate for the day and to cancel may incur loss. She then transferred me to her boss who said the same thing and asked that I speak to my bank. I called my bank and they said I could complete the transaction with bill pay online. I tried this and it did n't work. I relayed this info. to the XXXX rep the next day and he said that they could override their way of doing things and have the total amount direct debited from my account ( previously, they would only allow no more than {$5000.00} be debited at once ). I asked him on XX/XX/2016 to cancel it. He then stated that I would have to pay overage for the amount the exchange rate changed from XX/XX/2016 to XX/XX/2016 in the amount of {$2900.00} to cover their loss for the purchase of the XXXX at the exchange rate ( which was higher ) on XX/XX/2016. I then sent him an emailed request asking for proof of purchase for these XXXX in the exact amount that I requested on XX/XX/2016 with time stamp to prove that, indeed, they purchased these XXXX specifically for me, at the exchange rate for XX/XX/2016 - which would justify their claim for reimbursement. I have received no such receipt/ proof, yet they continue to demand I pay them.
I closed my account with XXXX XXXX of XXXX. To my knowledge at that time, there was a paid balance, and I had {$0.00} due. Was not aware that there would end up being a closing bill of {$90.00}. I 'm guessing the summer went by and they sent my account to a collection agency. During that spring and summer XXXX failed to notify me of that closing bill. Now here is the issue. Collection agency also failed to notify me of their attempt to collect debt. Did not receive a letter by mail, e-mail, or a phone call. I found out through my credit report I had a derogatory mark and called the collection agency immediately. They claim that they spoke with me XXXX times WITHIN THE PAST XXXX WEEKS. but all three times were me calling them to verify my dispute status after my credit report gave awareness to their attempt in collecting debt.
Regarding account : XXXX XXXX XXXX account number XXXX***. I no longer have a contract with this company. This account is closed and was sold to a collection agency, then written off on the creditors taxes which voids my responsibility to pay further.
If it will be determined that I do have a contract with such creditor, I am requesting under FCRA 611 ( a ) ( 5 ) ( B ), which state it is my right as a consumer to ask for a copy of all information obtain by the reporting agency that warranted the placement of this account to be legal, documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, that justifies the reporting of this account after it has been closed, paid and sold to a 3rd party collector.
Ability recovery services Did not provide adequate verification for debt in question no documents were provided showing a contract or signature
Yes, I applied for a credit card from USAA in XXXX with a credit limit of {$5000.00} given to me at that time I borrowed from that card {$3000.00} to pay off another card. After that on XXXX I was requested to show proof of who I was I did in XXXX. And then XXXX became XXXX as I was told all will rectified in 2-3 days and then it became XXXX with no resolution. Just multi answers from anyone who picked the phone.And all of this time I would be told not to Worry and that all will be fine.And all through this I was making payment and by the end of XXXX I was then told that my account was to permanently restricted and that a payment due. And at no time was I sent or in any form my statement what I owed neither what the amount due to me.And as of this I am still without any knowledge of the total amount or was is due per month for payment and when I called on XXXX/XXXX/XXXX I was told that I had NO right to receive any statement what so ever. And for payment they would tell that I had several way of payment but I asked I was told to send it by mail with statement, which I have not been given any. ( Note : I only wanted a Credit Card and nothing more )
Before XXXX purchased this student loan from XXXX i was under an approved Deferment and i am seeing that I have been reported 60 days late XX/XX/XXXX and XX/XX/XXXX
How is this company not being investigated yet????? I was on the phone with them 2 hours a day for three weeks and it's like taking 2 steps forward and 5 steps back! When calling today, the escrow analysis that was expedited on XX/XX/XXXX after talking to XXXX, XXXX, XXXX, XXXX and the finally the manager, XXXX and was told on a good note, XXXX XXXX, there's no sale date for your house yet. YES THERE IS! It'sXX/XX/XXXXat XXXX XXXX, hence why I can't wait till XX/XX/XXXX for an escrow analysis!!!! When I called today, XX/XX/XXXX, I also spoke with 5 representatives and was told this was never ordered onXX/XX/XXXX, but they'll put the request in for me now. Sure .... while my house is going up for sale on XX/XX/XXXX and this reinstatement quote is only good until XX/XX/XXXX!!! I called CFPB direct and didn't get much help either. I was told they have until XX/XX/XXXX to respond, however if they don't respond .... then what? Where's the accountability here?

Dated XX/XX/XXXX I was promised a reinstatement quote before the end of the business day today and after talking with 2 representatives and a supervisor and was told it was being expedited .... I still haven't received it. I sent you a registered letter last Monday requesting this information as well as an email on Wednesday requesting the same information. I haven't been able to reach anyone at your company in 4 months until my house was put into foreclosure. I do mortgages for a living and I have the funds to pay, but it's really convenient when you don't use the attorney you hired locally to do the reinstatement and I have to go through your office that I haven't been able to get in touch with for 4 months!!!!

What do I have to do to obtain this information from you and how is it your company is still in business? There's an open complaint with the CFPB ( XXXX ) and I will be fighting any attorney fees and cost that you requested from XXXX XXXX XXXX XXXX XXXX last Wednesday and request repayment of my attorney fees if I have to get him involved tomorrow. If my phone call was taken the 21 times I've tried calling to make payment with hold times no less than 1 hour 30 minutes, you wouldn't have had to hire an attorney. How many other people have you swindled their house from under them? I'm knowledgeable in this industry and can't believe what I've had to go through to get this information. XXXX  help those people that know nothing and just lose their house!!!
The account with XXXX XXXX has been declared not mine and documents have been sent to XXXX and XXXX and XXXX .XXXX has refuse to remove the collection from my credit report I have sent paper work proving my statement Debt agencies Portfolio Recovery account number XXXX amount of {$1000.00}
XXXX XXXX XXXX XXXX, connected to XXXX XXXX XXXX, incorrectly billed me {$88.00} for a charge that was to be included in an overall procedure as agreed by XXXX XXXX XXXX. I paid in full, my portion for the overall procedure. After four attempts to resolve the issue, both verbally and in writing, one of their representatives, XXXX admitted to the error and adjusted the balance to XXXX. However, following her advising me that the matter would be corrected, XXXX XXXX XXXX XXXX erroneously sent the matter to collections.
I was with a company Called Green Tree Mortgage that wrongfully handled my mortgage on top of denying me over and over again for a modification and also accepting a program that i was approved for called the " The Home Safe of Georgia '' program, that would have been approve for up to 18 months had green tree accepted, allowing my husband and i to get on our feet due to occupation loss. I had the gold seal approval from this company and every thing was ready to go and Green Tree representatives would n't accept it, having me to result to filing bankruptcy to save my home so it would not go into foreclosure. It was n't until another company took over now, 2 years later i am approved for a modification with no problem. Green took extra monies from me that was over paid they have me up side down now in my home and now i am really just paying rent seems like until i can find my way. The representatives that worked for this company gave me the run around i sent inn documents over and over again whether it was through certified mail or fax with a conformation report, sending inn enormous amounts of documentations for them to say they did n't get it and the time period for the modification had expired. They made me and my family of trying to keep my home modified after my husband lost his job XXXX. My husband is a retired vet so that made us qualify for " Home safe of Georgia and they would not accept it made excuses like it was too late. Even Green Tree attorney at the time contacted them inference to accepting the program to keep from allowing my home to go into foreclosure and they would n't accept the program which was one of the programs they were known to work with, so the day before my home would have been sold i had to file bankruptcy. This company has wrongfully service individuals and have gotten away with it. My husband and i have lost a lot of money with this Mortage Company and almost lost our home that we both worked hard for. I need you all to please investigate my mortgage during the time it was under them and i am asking that i received every penny that i paid extra that should n't have been a fee and also for the pain and frustration this company took me through. Green Tree Mortgage which was a finance company should n't have had the power to do what they did to people. Also the employees who they had working showed no compassion for people they were rude and ignorant and down right disrespectful also the ones over them because the problem was n't corrected after complaining.
I rented an apartment on XXXX XXXX XXXX XXXX ( name of complex and name shown on my credit report ) in XXXX XXXX  on XX/XX/XXXX for a period of one year. In the lease agreement there was a clause saying if I get transfer to another job far  from that location I could leave my contract early, which it happen. I communicate the management that I received an offer to move to XXXX which I did in XX/XX/XXXX so I would be vacating the apartment in the end of XX/XX/XXXX. They told me that I was responsible for the remaining of the month in contract for that unit until someone else rents the apartment, I also had one month deposit on that contract. I left the apartment clean and perfect conditions, and I had friends and neighbors checking the unit if someone had move in, which it did within less than 30 days. So the month deposit I had given before moving in to the apartment should cover the month the unit was empty and getting ready for a new tenant. The rent was around {$1000.00} per month in the contract, and in the worse case scenario, I would had default in around {$5000.00}, but they rented the unit rightway due to the high demand on the area, but the management company put on my credit a debt of over {$11000.00}. I disputed and never received nothing from the credit bureau or the furnisher other then a letter telling me that the collection meets FCRA requirements. Everything it is in the contract, which they have a copy but I lost my when I moved to XXXX. The Fair Resolution. They should remove the collection from my credit as they rented the unit within the time of less than a month and so they could keep my deposit. or in the worse case scenario asked me for one other month of rent, which I offered several times to them when they called me.
I was applying for the Discover It Secured Credit Card online. The application was filled out at XXXX on X/XX/2017. I understood that there was going to be a hard inquiry reported against my credit. The application was for a " Secured Card '' and that they were going to be requiring a deposit which would act as my credit limit. At no time during the online application process did it mention the possibility of being declined. If there was I would have pursued other avenues in which to raise my credit score. I called there customer service center at ( XXXX ) XXXX. At this point I was told there was nothing that they could do at this time. I asked XXXX who I was transferred to where in the application process it stated that there was a possibility of being declined. The answer I received was something to the affect of, " Where did it say you were guaranteed to be approved? '' I was then told that because they were going to be reporting to the credit bureaus on a monthly basis that they had the right to require more than just a deposit. I also have emails associated with this along with the application number XXXX. I currently can not create a .pdf file but would be able to forward these.
They have filed the same case 4 time in three different counties and are willing to take my payment plan. I called and the rep told me that they would get more when they take my wages vs the XXXX a mth payment plan and it was over XXXX. Also lawyer XXXX XXXX XXXX works for both collection companies offices and I feed that they shared my information without tell me the customer. 

Case XXXX ( FILED XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX account ( by XXXX XXXX XXXX ) o Made several attempts to resolve the issue with XXXX XXXX XXXX to no avail o After two years and another open case in XXXX County XXXX o No documents sent court for payment plan from lawyers office XXXX ( Filed XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX account ( by XXXX XXXX XXXX ) o Made several attempts to resolve the issue with XXXX XXXX XXXX to no avail o No documents sent court for payment plan from lawyers office XXXX ( Field XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX account ( by XXXX XXXX XXXX lawyer also works for Roosen Varchetti Olivier Attn : XXXX XXXX XXXX ) o Notice was provided by ad for lawyers o Sent a letter to XXXX County about the update and they closed case XXXX due to no moment from the lawyers office in two years, yet refiled the case in another county. 
o Sent a payment plan request to both XXXX County Court and Roosen Varchetti Olivier to no avil o XX/XX/XXXX : sent another response letter to move the court date to XX/XX/XXXX to seek a lawyer or a payment plan and I also sent my bank info for a {$50.00} by weekly payment plan with {$100.00} down.