WillisBack/dataset-financial-user-claim huggingface dataset:
Sensitive information was divulged without permission due to hack. Company ( Equifax ) internal security is flawed and inadequate leading to breach. I am currently in military active-duty stationed in XXXX XXXX and TrustedID credit monitoring service for 1 year does not seem adequate ; also terms of service limiting future legal rights/arbitration seems unethical and unfair.
Portfolio Recovery Associates ( PRA ) reported collection accounts against my social security in the amounts of {$770.00} and {$550.00} to XXXX, XXXX and XXXX credit reporting agencies. PRA has not provided documentation to support their allegation that they purchased and have a right to collect on the debts.
My mortgage was originall with XXXX bank and then was sold to Carrington Mortgage. My first payment with Carrigton was XXXX/XXXX/2015. I mailed a check to get there by the first without realizing that my autopay that I had with XXXX was going to be carried over to Carrington. Even thogh my payment for XXXX was made they still drafted my checking account in XXXX. When I called to resolve the issue the automated system stated that my next payment was due on XXXX/XXXX/2015 ( recognizing that a double payment was made ) However when I spoke to a representative they told me that they could not see that an extra payment was made and wanted me to fax proof from my bank. I did this several times and each time I called back they said they never received my fax. When I finally went to my bank to place a stop payment on XXXX payment so that I could gt back on track Carrington changed the amount of my payment slightly so that stop payment did not work. Today I called Carrington to simply cancel autopay with them so that I could skip a payment since I was ahead anyway and was told that autopay could not be cancelled unless I fax them a letter stating to do so. I fear that they will continue to say they dont receive my faxes and I will be out almost {$1000.00}. It seems like they are intentionally giving me the run around. They refuse to reapply the extra payment to principal or refund the money. I dont know what else to do.
I have had Ocwen serving XXXX loans for my condo for several years now. When the financial crisis hit GMAC lowered my interest rate on these loans. This was done for a short period of time. Now they are raising the rate. I have made repeated calls to Ocwen asking them to provide me with the note holder so I could arrange a refinance or interest rate change. My condo is still worth a fraction of what I owe. They state to me that they can not provide me with any info for the lender. Once more thy state that I have no choice but to pay the increased payment or face credit problems. Now they are calling me on Sat. & Sun. saying that I better make the increased payment even though no bill has been received. I need to mention that I have never missed a payment through all of this. Yet I am receiving threatening phone calls from XXXX. Where is our consumer protection from these lenders and service companies.
On XXXX XXXX, XXXX my son, daughter and I leased a XXXX XXXX XXXX from XXXX XXXX. This vehicle was for my wife of 46 years who had been battling XXXX for some 5 years and was having major mobility challenges. The XXXX would be large enough to fit her person mobility scooter in the rear compartment. 

On XXXX XXXX, XXXX my wife took a turn for the worst and was again admitted to the hospital. She slipped into a XXXX on Wednesday, XXXX XXXX and XXXX on Saturday, XXXX XXXX. We were all devastated. I am still in shock and not able to overcome my grief. 

In XXXX, XXXX, I struggled to drive the XXXX XXXX over to XXXX XXXX and spoke to the associate with whom we originally obtained the lease. I explained to him the entire story relating to the vehicle and the XXXX of my wife. He spent some time conferring with other staff. Finally, he returned and reported to me that there was nothing that XXXX XXXX could do to help me return the vehicle. 

I am finding the death of my wife quite difficult and having the XXXX XXXX sitting in my driveway is a pungent stab in my heart each day. I have advertised the vehicle for sale in a variety of settings and on numerous swap lease sites. I have spent hundreds of dollars trying to find someone to take this vehicle. I finally found someone who said he would take over the lease. However, when I called XXXX XXXX, I was told that KIA did not allow a lease transfer so I lost that opportunity. Recently I decided on another strategy and thought I could just pay off the lease and then hopefully sell the vehicle. After paying for weeks of advertising I finally found someone who agreed to purchase the vehicle. I then called XXXX XXXX and they told me that I had to contact XXXX XXXX. I again contacted XXXX XXXX but the associate with whom we originally worked had left XXXX XXXX. I was transferred to several other people, to each of whom I had to go over the entire story. Finally, I was told that I could not just pay off the lease. There were other fees and charges but when I asked how much these might be I was told an estimated additional {$3000.00} but an exact figure could only be calculated once I began the process of buying out the lease. I was told I would need to drive the vehicle to XXXX XXXX for inspection and odometer verification. I can not do that because the initial 30-day vehicle tag has expired so I have no legal way to drive the vehicle on a public way. The vehicle has only 1,000 miles on it. 

I have continued to make the lease payments and I also have continued to maintain full insurance on the vehicle at a total combined cost of about {$500.00} per month. 

Frankly, I am lost. I need to get this vehicle off my driveway. The memories just seeing it there evokes such terrible grief that it is unbearable for me and my family. However, every time I seem to develop a plan, some barrier appears. It has been now months of struggling to relieve us of the pain of having this vehicle as a persistent reminder of the tragic death of my wife.
When  XXXX  made the change from  XXXX  to Visa,  XXXX  issued me a new credit card. I am also a   XXXX   banking customer. I never used my new credit card, except as a  XXXX  membership card, I have other visas that I prefer using. The card was also never added to my online account.     After roughly 9 months,  XXXX  closed the card, and filed a notice of delinquency. They did not inform me of this, I actually found out v ia   XXXX   XXXX     credit score mon itoring service, if it had not been for this  XXXX  would still never have informed me of the charge. I started calling  XXXX  to figure out which account had a notice of delinquency, and when they identified the  XXXX  account, I did n't understand, never having spent money on it. It turned out that I was charged the  XXXX   membership fee ( automatically ) on that card, and was never told about it. By that point my payment   was about 6 months late and had an addition   XXXX   dollars of interest and late fees on top of the  XXXX  dollar charge. The customer service agent was very pleasant and waived all of the additional charges, I closed the account, and paid the {$55.00} dollars. She also acknowledged that   XXXX    dealt with this situation poorly.      However, this event has turned out to have a profound impact on my  credit score.  The day it happened it fell b y   XXXX  points  , and has recovered    XXXX     points  in the months since. Working with  XXXX  has been impossible and they say nothing can be done now. They actually made the claim that since  XXXX  has NEVER misreported credit data, they do n't have a way to rescind it, in any circumstance, otherwise they would be happy to. Unsure where to go from here.
This is the second time I 've submitted a complaint about ditech ( re complaint numberXXXXXXXX ). I could n't find a way to say that ditech 's response was n't clear. Maybe I was too late. 
On XXXX XXXX, XXXX I received XXXX pages ( cover 'em up XXXX ) attempting to justify ditech 's saying I owed a bogus debt which I did n't owe. 
I 'm sending scans of communications I 've had with XXXX, Green Tree and ditech. Here is a list of what is included : 1_Letter from XXXX dated XXXX, XXXX page 2_Letter from XXXX dated XXXX, XXXX page 3_Letter from XXXX dated XXXX 4_Letter from XXXX dated XXXX 5_Letter from XXXX dated XXXX, XXXX page 6_Letter from XXXX dated XXXX, XXXX page 7_My Escrow Waiver Included in the Original Contract 8_XXXX page of Green Tree 's Spread Sheet 9_Statement from GT dated " due XXXX '' 10_Statement with pay reversal 11_Statement " due XXXX '' 12_Statement from ditech for XXXX XXXX Compare the date of XXXX/XXXX/XXXX on my letter from XXXX ( number XXXX above ) with Green Tree 's spread sheet ( number XXXX above ). Note the letter from XXXX dated XXXX/XXXX/XXXX ( number XXXX above ). I 've included my waiver for escrow ( number XXXX above ) -- I 've never had an escrow account. 
I was never late with my standard payment on the mortgage or for taxes and homeowner 's insurance. 
I never got an XXXX statement from ditech. I had to call ditech for the address which address to which I should send the payment -- It was the same address as Green Tree 's. 
In spite of XXXX letters, XXXX from me and XXXX from my then attorney, ditech still addressed their communications to my attorney 's office and I got them past the due date, the first of the month. 
Statement from ditech ( number XXXX above ) ... has pay reversal but still has the bogus debt named " XXXX XXXX XXXX. '' I received XXXX more statements for the first of XXXX, XXXX, and the first of XXXX, XXXX, which I did n't pay because my new mortgage was in process. I do have a new mortgage with my credit union. 
It cost me nearly {$5000.00} to get a new mortgage, including attorney 's fees, which I could n't afford.
I 'm filing a complaint because Transunion has ignored my request to provide me with validation of the debts that I do not recognize. I sent a certified letter on XXXX/XXXX/2015 and I have yet to receive a reply. Being that they have gone past the 30 day mark and have not sent a letter verifying these accounts, I would like them removed from my Transunion credit report. It is a serious error on their part.
I have repeatedly disputed the derogatory items with Transunion. XXXX and XXXX have removed the fraudulent items that I disputed upon verifying that they were fraudulent debts and not mine. however Transunion refuses to assist and help me in removing these items, leaving me no choice but to write a complaint. Transunion needs to remove the items from my credit report because they have been proven to not belong to me.
My mother got a phone call from Bayside Capital on Monday XX/XX/2016 for an attempt to collect a debt for me. First of all our phones are connected. I am listed so if anyone wants to contact me they can. When I called this company back they had my last XXXX digits of social and my current address. I asked XXXX why they would call my mom repeatly and he refused to answer and hung up.
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 it via social media. 

I also tried to use their services to submit a fraud alert and the website repeatedly failed to submit my information. This blatant consumer abuse needs to stop.
Opened a few investigations in negative credit reporting o f ninety d ays late. Response from loan servicer only responds stating " information reported was accurate, borrower did not request forbearance until  XXXX   XXXX ,   XXXX   ' This in absolutely NO WAY provides a response to the information presented. I understand that forbearance was not requested until  XXXX  because I had no clue that I was in repayment until  XXXX . The statements were being sent to the  XXXX  University email address that I no longer had access to. Not being properly notified of a statement, especially when the repayment first begins is a valid reason for correction with all   XXXX   credit bureaus.     I could not have put my account on e-statements because I just created an account with fedloanservicing. org in  XXXX . The issue is that if I had been made aware of the repayment start in a manner accessible to me, I would never have needed forbearance. Continuing to deny and stating the information is accurate is not providing a response to the issue that caused the problem and the agency refuses to correct their mistake.
I opened an credit card account  with Citi Ba nk on  XXXX / XXXX / 17 . I have never received a bill/statement/e-mail or anything from them since. Today I receive an e-mail saying that they would be waiving my late fee since I have never been late before. This is not my only account wit h Citi, but this is the one en ding in  XXXX . They tell me that since it is late though that I owe  XXXX  dollars in interest charges for that time period. I paid my entire bill immediately through a wired transfer to avoid any other interest charges in the meantime while I worked this out with them. They enrolled me in paperless billing without my consent ( I have never enrolled in paperless billing in my entire  XXXX  yrs ) and knew nothing about this service. You can check my credit history and it will show that I have always paid my bills that I receive by U.S.P.S. on time. I have never been late, paid any fees, interest, charges, anything period. I have an excellent credit history of  XXXX  or better continually. So here is my compla int. Citi enrolled me in a service that I did not agree to. They never sent me a bill ( I 've checked all messa ges in my account since I opened the account ... no bill, only a message that said for me to enroll in the service which I ignored since I have never used this before. ) They will not return the interest fee that I paid this morning and blame me for not checking my e-mails. I would like to have my interest payment returned and for them to ONLY send billing by U.S.P.S. Please help me since I can not get anywhere with them directly.     Sincerely,  XXXX   XXXX
I field a dispute with all  XXXX  major credit bureaus about removing  a Public Record in  which shows inaccurate data. EQUIFAX reported the information has been updated however  XXXX  and  XXXX  has removed the public record.     I 've made a good faith attempt to resolve with no luck hence I am pursuing a formal complaint.      XXXX   XXXX   XXXX .
I am a victim of identify theft and i have been trying to get inquires and other debt collections off my report for months and no luck and i continue to get credit inquires on my credit report XX/XX/18 XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/18 AND XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX  XX/XX/18 XXXX XX/XX/18 JPMORGAN CHASE BANK XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX  XX/XX/18 XXXX XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XX/XX/18
We did reach out to KwikCash for a loan when my credit schore was XXXX. I understood my loan payment for {$2500.00} would be {$180.00} for first payment then after that $ 118 Monthly. I also understood my interest rate would be accessed according to my credit score and credit history. KwikCash pused my interest rate to 125 % with a credit score of XXXX!! That is excessive and abusive lending My family experiensed a finicial hardship and reached out to KwikCash to inform them of our finacial hardship and the exccessive interest rate. Kwikcash offered to reduce our rate to 120 % and requested payments every two weeks. Also threatened to sue by filing a civil suit against us and ruin our credit. I asked for them to except one payment per month until we got back on our feet, we were told the under writer said NO. I was also told we had to provide them with a ATM Debit card to pay going forward. I expained we did not have a Debit card to provided to them and I would mail a money order/cashierspayment. I was told they would only allow us to pay by Debt card. I also explained that our goal was to avoid chapter XXXX bankrupt, i did not also know our interest rate was sooo excessive and to please lower it and work with us. I was told they would only lower to 120 %. This is offeal and wrong to threaten us. To threaten to sure a Military Veteran who severed our country and take advantage a soon to be XXXX Vetern is just offeal. Who can justify imposing a 125 % rate on a consumer with a credit score of XXXX % and a soon to be XXXX Veteran. Also the application was done online and the terms were deceptive, unclear. Small print and the payments were understandable to be monthly, not byweekly. Just wrong, and would not work with hardship and refused to take payment unless it was with a ATM card.
DRS is attempting to collect on a payday loan I did not apply for/did not receive. They have called in the past and most recently, emailed me twice, XXXX different reps contacted me. They have an address of a person with the same name, this appears to either be fraud or a mistake on their end. The address the have for me is XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX, I have never lived at this address. The amount they claim I owe is XXXX from Payday Yes, a payday loan company
this company accessed my credit with no permissible purpose and without my written or verbal consent. The credit bureaus refuse to remove it and state that I must contact the creditor. This is not a case of ID theft or Fraud. This is simply a case where XXXX accessed my credit file without my written or verbal permission or the credit bureau reporting a soft pull as a hard pull. Either way it must be removed per the law as no permissible purpose exists and never has. I need this inquiry removed immediately. Account name XXXX Date of request XX/XX/2017 Comments per the bureau : Unspecified inquiry ( NO PERMISSIBLE PURPOSE )
My husband and I were getting an amicable divorce and we were both working at closing joint accounts. He called to close the Chase Sapphire Care but it turned out I had opened it so he could not close it. This action was turned into a security breach and from then on I tried but could not close the card. I explained the situation but no one would believe me and kept stalling me. I received a letter from Chase dated XXXX XXXX referring to a request for a copy of the statement. There had been no request for this. Finally, on XXXX XXXX I reached someone who could close the account. At that point I realized that there had been a {$3100.00} credit remaining. The agent who helped me said she would send me a check for that amount. I called several times to ask about the check and finally on XX/XX/XXXX after speaking to XXXX people I was told that " the check was in the mail. '' It could take up to 7 days to receive the check. Along the way I had visited the Chase Bank down the street and was told that the account was inactive and I should leave it that way. The divorce had just become final and I forgot about the {$3100.00} in the account. After 22 years of credit cards with Chase or earlier owners of the card I really expected better service. When I asked for the check to be expedited it was refused. My husband and I opened separate Chase cards but now I am sorry I did. Your customer service is usually substandard and it takes several transfers to get the right person. It is XXXX XXXX and I still have not received my refund. I think Chase should at least give us something to make up for the long delay and the poor service we experienced. When you lose your card the response is immediate but returning customer 's money and especially clearing up " security breaches '' is very slow. The last purchase on this statement was XX/XX/XXXX and the balance was paid on time perhaps before the refund of {$3100.00} was received. We have used our Chase card for everything for all this time and were loyal customers.
I received a letter dated XX/XX/2018 from the collection agency. On XX/XX/2018 at XXXX they were already calling me trying to collect the debt. Pursuant to the Fair Debt Collection Practices Act I have 30 days to dispute the validity of the debt. I have just sent them a certified mail disputing the claim, but they have not received it yet. They have no right calling me before the 30 days is up.
I disputed a collection that was added to my credit report from XXXX XXXX XXXX. After disputing this collection. The outcome was to remove this collection and it can never be sold to any other collection.
The debt collection agency, Central Financial Control is attempting to collect on a medical debt in the amount of {$560.00}. This agency is not Licensed to collect in the state of Nebraska per the Secretary of State. This company is also in violation of my HIPPA rights ; as I did not authorize them to obtain any of my medical records. I have tried to rectify this with the company directly, but have been unsuccessful.
There was an unauthorized transaction on my prepaid XXXX card from a company somewhere XXXX. I called the day I found out and cancelled the card. The csr told me she would email documentation that I had to fill out and email back. I did n't receive it and what turned into XXXX csr 's and a supervisor later I still have yet to receive this mysterious documentation. It 's not a large amount but I am a single working parent trying to support my child. It wo n't break their bank it broke mine. A company in XXXX was also trying to make a withdrawal but I cancelled the card just in time.
OnXX/XX/XXXX, I got an alert stating that XXXX has a potentially negative unpaid balance from Synerprise Consulting Service for {$630.00}. Ive never heard of or received any type of communication from Synerprise Consulting Serv. Incidentally, XXXX wont even send me a FREE annual credit report, NEVER signed me up for ( ID THEFT protection ) due to their recentXX/XX/XXXX database breach of id theft, which exposed millions of Americans. 
I dont know whats going on at XXXX. Every time I try to get a credit report, XXXX   doesnt know WHO I am.
I am writing to your agency because I am very upset the way my credit card company ( Capital One ) handled my claim. I disputed the charges of {$780.00} on XXXX/XXXX/2016, {$59.00} on XXXX/XXXX/2016 and {$59.00} on XXXX/XXXX/2016 made by this fraudulent company called XXXX on my card on XXXX/XXXX/2016. These company called me and the representative was very persuasive. I had several contacts approach me by phone on how they were upgrading my site for the world to see it. I did n't understand on what to do. I have never been in this field of marketing. I ended up paying to several companies. All I was looking for was to make an extra income to pay bills. I was approached as owning my own business and bringing in extra cash. But in order to make money I would had to pay even more money to all these companies calling me and pushing me their services as necessary to my online business. And they always call you for more money, meanwhile I kept paying for more services and they were never provided. I was losing sleep unable to think worried about how to pay off creditors. Capital One denied me for the wrong reasons. I was disputing as services not rendered. And is not a billing error. I did agree to pay for their services but they never provided me with them. I tried to resolve with the company 's first but after you ask for a refund they ignored me.
I have been more than 4 months, since XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018, trying to fix my credit with this company ( Transunion ), and it indicates in its reports that the results are verified or updated, but Check the update date does not change, which turns out to be never investigated in the 30 day period. I sent my last claim on XX/XX/2018 and guess what, that 16 accounts never been update date and their still claiming that this accounts are accurate and verified. In addition to other accounts that have not investigated, they hide with the word not specified, when it is assumed that all change and investigation has not been hidden or hidden from the eyes of the consumer.