WillisBack/dataset-financial-user-claim huggingface dataset:
My information was not secured properly by the company that is essentially telling other companies how trustworthy I am. After they became aware of the security breach, they waited for one month to report the information leak. I do not trust them to continue to act ethically with my information.
In XXXX I purchased a XXXX from XXXX in XXXX XXXX California. I provided them with my ssn and gave them permission to pull my credit ONLY ONCE my score was XXXX so there was no reason for them to continue to " shop my loan '' XXXX Pulled my credit for their own financing and they allowed XXXX other vendors to pull my credit they are all on the same day so its easy to know the purpose. I have repeatedly requested to have all inquires deleted except the initial pull and as of today they are still on my Experian Report and EXPERIAN has not removed them despite my requests. 
In XXXX i only authorized XXXX pulls of my credit, XXXX ( pulled twice for same apartment application ) XXXX time for my apartment and the utliities despite my ongoing efforts Experian has failed to clean up the UNAuthorized inquiries from XXXX and now again in XXXX as a result my credit score has lowered despite my perfect credit history.
I recently had an investigation conducted for my account with XXXX XXXX XXXX XXXX. The account says that my XXXX 2015 payment was 30 days or more late ; however, this bill was paid. This bill was not 30 days late, and this is evident in the reversal of the late charge on XXXX/XXXX/15. This is included from my online account summary.
On XXXX XXXX, 2016 I notified U.S. Bank about fraudulent activity on my account which took place with a debit card. During the same phone call which I reported the fraudulent activity that U.S. Bank customer service representative who I was speaking with decided to put a restriction on my checking and savings account, this did not allow me to do any type of transactions. 

It was set to close within a certain amount of days. I was told that I will receive a provisional credit 10 days after I filed the dispute which the bank is required to do in accordance with federal regulations. I went into my local branch to withdraw my current balance and I was unable to make the withdraw until I closed my previous checking account with U.S. Bank. 

So in order to receive my current funds I closed my account and reopened a new checking account. I was told that the provisional funds that I was required to receive would be deposited into my new checking account which did not happen to date. 
I was notified that provisional funds were sent out to me on XXXX XXXX, 2016 but they did not go to my new account instead they attempted to deposit the money into my old checking account which I was forced to close. I have contacted US bank fraud department multiple times and an attempt to fix this issue so they make the deposit into the right account but they do not seem to be able to determine where the money was sent out to. I have been bounced around and spoke to multiple customer service representatives within the fraud department at U.S. Bank but I have been unable to get a resolution. 
I have been told that I would receive a paper check or that they will deposit the credit into my new account that neither of these appear to be true and correct statements. It has been 10 days since I made the report and I have yet to see a resolution of my claim or the provisional credit as required by my bank in order to comply with federal regulations. 
Routing Number ... XXXX
On XXXX XXXX, XXXX I submitted a dispute via ChexSystems about an account I previously had with XXXX XXXX. The previous week I had applied for an account elsewhere and was turned down and upon checking my credit file from ChexSystems I noticed I had been reported for an account abuse closure by XXXX XXXX While I did not dispute the fact that my account was closed with a negative balance I did and do dispute a reporting of account abuse on my credit file. In what was at best a few days later I received correspondence twice from ChexSystems one stating a investigation had began. The second a day or two later stating the account was affirmed. On Monday XXXX XXXX I contacted the XXXX XXXX collections department not once but twice as to inquire why account abuse was reported. From my standpoint the account had not become overdrawn because of any transactions that were paid to any institution on my behalf for me to personally benefit from. My knowledge is that the account was closed because of return payment and sustained overdraft fees the bank accessed for not paying on my behalf. No checks were written no transactions were processed to the debit card the account was overdrawn because of bank fees. The first call resulted in me being transferred to a collection agency the second resulted in a hang up because the representative had became disrespectful over the phone which is the norm for XXXX XXXX when you question there just accept it justification. In both calls I agreed to pay what was owed in full even though I dispute the amount. This would be contingent on the inaccurate " abuse '' reporting being removed from the file because I feel it was only reported in that manner as a form of retaliation or malice. I believe it was reported improperly to ChexSystems because XXXX knew that for that particular agency abuse could mean anything and would n't be questioned.
I disputed this claim in 45 days ago regarding this debt. It was never validated never given proof of debt or were it came from. I placed fraud alert on my account a month ago. They have put inquiries on my report that were n't authorize. I would like this company to validate their claims of debt. I have no paperwork from this collection nothing. The amount is for XXXX. I submitted a complaint to BBB XX/XX/2017 also.
CHASE mortgage offers all kinds of alert features, that can be sent to customers via phone email ; HOWEVER, they DO NOT offer customers the option to schedule alerts for payments for that are late, at least until after they can charge you a late fee ( i.e. after the grace period ). This of course would be easy to provide by writing a few lines of code. But no. Instead, they will only alert the account holder until AFTER they can charge a late fee. No other financial services company I use does not offer a pre-penalty alert feature. No one. Chase should be ashamed of this obvious tactic to fleece its customers of fees.
after disputing a inaccuracy on my report, with proof attached equifax claimed they contacted the reporter and the reporter claimed the account was still open and in collection : see attached equifax responce. they did offer me a service for XXXX to expedite my dispute. they reported to the cfpb they had not contacted the reporter. i submitted a copy of their response to me to the cfpb showing the falsehood. now im seeing a XXXX point drop on my equifax score! Is this retribution? see other attachment.
I have disputed a dental bill on my XXXX credit report. It was denied due to dental office provided record of my visit. I called dental office as well as cornerstone credit to explain my dispute. I did not deny visit my problem is this. 
1 ) the bill was sent to an address I lived at in XX/XX/XXXX so I did not know it existed. My husband and I currently use this dentist and they have our updated address so I dont know what they mailed something to an address from XX/XX/XXXX. 
2 ) the dentist at the time ( who is no longer with Office ) saw me to look at a XXXX he made that was giving me problems. He told me there was no charge due to circumstance of it not fitting properly. I was given the option to send to the lab for a few days with charge of around 500.00. I declined at the time because I couldnt afford it and did not want to be without it for 3 days at work. He put a temporary repair on it no charge until I could get a permanent fix. I did not know of or expect a bill for this. 
I disputed and was denied due to dental office providing proof of service I resubmitted dispute under the information I just provided to you On XX/XX/XXXX The estimated time for dispute under XXXX web sight for investigation to be complete was XX/XX/XXXX. Checking the status of that dispute it was never completed by XXXX. As of today XX/XX/XXXX conformation # XXXX Is still showing a pending status and has he ever been investigated. I did resubmit a dispute XX/XX/XXXX for the same debt and it was denied again. I believe my dispute should be granted due to the fact that the XX/XX/XXXX dispute was never completed properly according to my rights as a consumer their job was to investigate and complete investigation within a timely manner. It has not been completed as of this day. As far as my most current dispute on same credit issue I am disputing the conversation the doctor and I had about not charging me for the visit, as well as the mail not being sent to the appropriate address. The staff in the office currently are all mostly new as they had a huge turnover since my XX/XX/XXXX visit. When I talked to a lady in reception at dental office she encouraged me to dispute this, as according to her files are so messed up from old staff, I am still trying to fix things, we have found so many errors its a nightmare. I wanted the dentist no charge promise investigated and the problem regarding mail not being accurately mailed to me to be looked at I would like my disputed granted due to incomplete investigation from XX/XX/XXXX and would like proof of current dispute that was denied was investigated properly.
On XXXX XXXX, 2017 i received notification that Sierra Auto Financing pulled my credit for an auto loan that did not authorize.
This is the second formal complaint I am filing against PayPal because they are dishonestly preventing my law firm clients from paying me by credit card for 30 days or more by forcing me to continue to unlawfully, unethically, and immorally verify my account again and again, time after time, for this the 6th time in less than 3 months, simply because I keyed a payment in based on a faxed and signed retainer agreement from a client rather than an in-person swiping of the card, and using that as a pre-text to hold on to my money ( last transaction they kept {$2000.00} out of a {$2500.00} credit card payment ) and then once again " limiting my account '' so that I could no longer accept credit cards or get access to my money which I desperately need to pay court ordered child support, rent, phone bills, or other necessities for me and my minor children to live. 

PayPal does not even let you know beforehand that they engage in this type of unfair and deceptive trade practice with any degree of notice ( I am a XXXX for 15 years and even I missed any notice, if there even was any, so I can not imagine a XXXX knowing about this ). 

PayPal also neglected to tell me that I can actually " invoice '' my clients by emailing them a bill, which they can immediately pay online, which sends money directly into my account, but of course they do n't want to tell their clients about this because then how else could they steal and collect interest on your hard-earned money for a minimum of 30 days? 

Fraud, deception, and unfair trade and business practices is apparently part of their business model, and their customer support, all of whom who are apparently XXXX speakers, do n't even understand their business model let along able to explain it you. 

PayPal 's actions are exposing my minor children to starvation and me to jail or loss of XXXX for non-payment of court ordered child support and home/office eviction simply because they want to dishonestly and deceptively hold on to my money ( after they have collected their large finance fee ), collect the interest thereon, and otherwise XXXX their customers in violation of both law and ethics. I demand that PayPal release my help up {$2000.00} immediately as I desperately require my rightfully earned funds from my XXXX clients. If my money is not returned I demand a formal criminal and civil investigation and indictment of this company.
I have tried to order my credit report through Equifax 's XXXX XXXX and I have tried to use the free credit report website and I can not get my credit report. Months ago, I have contacted them and was told to fax in a lot of information with copies of my driver 's license and social security card. I was told to ask for them to review it. I was also told on another occasion that my credit report maybe split. I still have had no success getting my credit report.
on XXXX/XXXX/XXXX, I received a text message from my Barclay bank asking me if I authorized a cash advance on my credit card for a cash advance from  XXXX XXXX XXXX for {$600.00}. I immediately called Barclay Bank and told them that I did not authorize any cash advance. They also asked me if I made a purchase at XXXX for {$9.00} also on XXXX/XXXX/XXXX. I told Barclay bank representative that I did not make this charge as well. My card was also charged for a cash advance fee of {$30.00} twice for a total of {$60.00}. I was charged a total of {$680.00} that included an interest fee of {$12.00}. I called Barclay bank Fraud department and the investigator told me that they would start an investigation. On XXXX/XXXX/XXXX I received a letter from Barclay Bank stating that I was not responsible for the charges and interest while they were investigating the disputed charges. On XXXX/XXXX/XXXX I received another letter from Barclay bank stating that the investigators concluded I was responsible for the charges. 

on approximately XXXX/XXXX/XXXX I called Barclay Bank fraud department and told them that I did not make these charges and disputed them. Barclay Bank investigators told me that they would reopen the case and perform another investigation. XXXX XXXX, I received a statement from Barclay Bank stating that I owed {$690.00} that included a XXXX service fee and a {$15.00} interest charge. Again I called Barclay Bank and the Investigator told me that the  investigation was still in process. The investigator told me that the chip was activated on the card and  since the card was not reported stolen I was most likely responsible for the charges. I told the investigator that someone must have had a card sent to their house since my card was in my office and I did not make the charges.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX They put a collection item on my credit report and it is not my item!
Hello- I am writing you in regards to the recent Equifax hack. I  am very upset and discouraged about the events that has led to the worst hack in US history. My husband and myself were both affected. I feel that the one-year protection plan Equifax is offering is insufficient. Being an XXXX XXXX professional, I know that hacked data is typically sold on the black-market years down the road making a one-year protection plan completely useless. This hack will affect us for the rest of our lives. We will have to continuously be on guard to ensure that no fraudulent accounts are activated using our social security numbers. This also opens us up for tax returns to filed fraudulently so now every year we will have to worry and be on guard. 

This hack is the worst case scenario for most Americans. Unlike all major hacks up to this date, the data stolen from this company, that I never gave my permission to have access to my info, was the most sensitive information that could be used, my social security number. I can not go get a new number, so now I am faced with the constant worry and potential to ruin my credit and have to fight multiple companies to clear my name if it my info is used. The only option I have is to pay money to freeze my credit. That alone is unethical. I never gave permission to any of these companies to have access to my information, yet if I want to freeze my credit I have to pay a fee. 

We should have the option to pick one credit reporting agency that we trust to have access to our data. That way we have some buying power with these agencies. Also, I feel these companies should be ran by the federal government. Why does a non-government agency have access to my sensitive information? If it was a federally ran organization, then better safeguards would have been in play to protect the American people. 

To frame the potential after effects, if you look at the XXXX XXXX hack in 2015, there were claims that user suicides followed the hack. This hack only affected 37 million people and their SSNs were not compromised. 

I feel angry, discouraged, disappointed and now I will forever be in a constant state of worry that my personal info is going to get used and my credit will be ruined. Fraudulent charges on your credit take years to dispute and clean up, potentially preventing me from buying a house, getting student loans for my family, or getting financed for anything at all. This is unacceptable and I look to you, as a leader for the American citizens, to do something to compensate the victims and to change the processes of credit monitoring to prevent a data breach like this from happening again. 

Thank you for your time and appreciate your assistance in getting the victims the help and compensation they need and deserve. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, IL XXXX XXXX ( XXXX ) XXXXXXXXXXXX
XXXX continue to provide false information and now is stating that Lexis Nexis does not report the XX/XX/XXXX Bankruptcy but they are reporting to them that the bankruptcy is correct. I was informed by the representative that the XX/XX/XXXX Chapter XXXX Bankruptcy is still showing on my credit report and it can not be removed until Lexis Nexis sends them a letter stating it needs to be removed.

XXXX representative stated although I submitted the letter from Lexis Nexis dated XX/XX/XXXX showing Lexis Nexis has removed the Bankruptcy from their records, The need a letter from

Lexis Nexis telling them to remove the Bankruptcy. I'm not sure what Lexis Nexis is reporting to them but XXXX is the only Credit reporting Agency
that is reporting this false information while all the other reporting agencies conducted an investigation and removed it from the report. Every time I contact XXXX I get a different representative who continue to states it has been reported a verified. One Representative states information verified from the Court, when asked for documentation they have no documents, and the others are stating as per Lexis Nexis. When asked to speak with a supervisor, all calls are transferred to a voice mail of XXXX/XXXX I'm requesting CFPB investigate what XXXX is doing and assist me in seeking monetary damages for their actions. I have contacted the media to go public so other consumers who are going through the same issues could purse a class action claim against XXXX.
Wells Fargo Bank charged me XXXX {$35.00} Non Sufficient Funds fee 's and XXXX {$35.00} Over Draft Fee 's for Non Authorized Debits. I disputed the Non Authorized Debits and they still took {$150.00} out of another Wells Fargo Checking Account of mine without my consent.
I paid Omega RRC for a debt they said I owed for XXXX XXXX XXXX, however, XXXX XXXX XXXX closed and I am not able to use the services or have services provided prior to their closing. I paid Omega over {$2500.00} so that they would n't ruin my credit as they were threatening to do so. I called Omega and explained the situation and they supervisor XXXX said that I should continue to call XXXX XXXX which the line is busy XXXX. I paid Omega travel on XXXX via XXXX XXXX the balance they stated we owed. Omega collected on a company that is closed, the XXXX also states they are out of business and Omega has n't been able to send us documentation that the amount was owed. I feel we received NOTHING for the money we paid Omega so we should receive our funds back from them. Any assistance you can help in resolving this matter would be greatly appreciated.
Hello I am having an issue with XXXX and XXXX XXXX  removing a repossession from my credit report. I had an issue with the company the entire duration I had financed the XXXX XXXX. They intentionally make it hard for you meet the terms of their agreement and to ultimately fail the program. The car was valued at {$4500.00} and I was told before signing the contract that the total cost over 3 years would be {$13000.00} which also included the price of a warranty agreement. I later find out after the finance manager went over my contract rapidly, like an auctioneer, that the total amount would be {$21000.00} with a fixed interest rate of 19.95 %. I was told that the interest rate was based on my credit score. I later find out that this rate is given to everyone no matter what their credit rating is like. 
They allow some customers to pay via phone with credit/debit while demanding others to make payments in person. This is inconsistent of their contract terms. If I were even a day late on my payment, the company would call and leave me voicemail messages several times in a day, sometimes within minutes of each other, threatening to repossess my vehicle if I did n't pay. I still have these voicemail messages. I once became ill, was out of work, and could n't make my payments. I explained this to the fiance company and was told I had to bring doctors notes explaining my diagnosis in order to keep my car from being repossessed. This is a violation of my HIPAA rights. 
In the end of XXXX I got a new job where I 'm paid monthly. I called to make the finance company aware of this and to let them know there would be a lapse in payment. The finance company then, without notifying me, repossessed my car on XX/XX/XXXX. On XX/XX/XXXX I had just withdrew the money from my bank account to bring my payments to current. If a curing default notice was sent to me, the repo could have been prevented. In addition the finance company did n't send me any notice to make me aware of what their intent was with the now repossessed vehicle. When I saw that the company was reporting late payments on my credit report, I decided to sue them for predatory and unfair business practices. I had an issue with their entire process.I sent my intent to sue. A few weeks after I sent my intent to sue, I called the finance company to learn of what happened to the car. I was told by XXXX that the car was purchased back by XXXX XXXX for {$5000.00} and my balance of {$13000.00} was forgiven and deemed as paid off. I now want this removed completely from my credit report. I was never given proper notice of their intent to repo, by phone, certified notice, or a mailed notice. They continuously harassed myself and family members when a payment was due but conveniently did n't make me aware of their intent to repossess.