WillisBack/dataset-financial-user-claim huggingface dataset:
I am among the unlucky people whose information was released in the Equifax data breach. In obtaining my credit reports, I saw that Equifax listed two wrong previous addresses for me - including one in suburban XXXX that was linked to fraudulent charges on my credit card. 
I filed a complaint about the incorrect addresses. 
Somebody -maybe real Equifax maybe phony - sent me a form asking me essentially to repeat that complaint in writing or online. 
The site I was sent to was : XXXX There apparently is no such site. XXXX dubbed it suspicious. 
So I went to the equifax site and found the connection for filing a complaint. 
The site asked for my COMPLETE social security number - the very one they gave hackers - but said I could hide all but the last 6 digits. Despite my choosing that option, they displayed the whole number. 
I tried to remove it but could n't. 
I filed my challenges as directed - one incorrect address, one clearly fraudulent one. 
Then, the site asked me to send a copy of my Social Security number, drivers license or utility bill. 
This is outrageous demand from a company that has ruined my and many others ' financial lives. 
I tried to cancel everything, but the site snatched it away. 
Equifax is not only a stupid company, it 's a ruthless one. 
Please stop these creeps - who incidentally are still hawking their useless security service at every turn - from further damaging innocent people like me.
Sir/madam : Re : Chase Bank Visa credit card # XXXX I was vacationing in XXXX XXXX, XXXX when I developed an XXXX and decided to checked in to XXXX Hospital. I was treated and they did other procedures like XXXX that in retrospect I suspected that it was done to increased their medical charges. I was released after 3 days. <P/>To our outmost shocked, I was billed for {$62000.00} in our Chase Bank visa credit card and Chase Bank accepted their charges. We now owe Chase Bank an additional {$62000.00}. We have just received a billing statement from Chase Bank Visa credit card that we now owe them this amount. My visa credit limit is only for {$15000.00}, but Chase Bank billed me way beyond my credit limit. <P/>The XXXX XXXX XXXX in XXXX cost only {$21000.00}. This hospital charged me {$62000.00}, three times of what a patient would pay for an XXXX XXXX XXXX. An XXXX treatment in XXXX would only cost a couple of thousand dollars. I was victimized like other American tourists in XXXX that needed some medical treatment. <P/>Chase Bank is not giving us any protection at all ; because XXXX Hospital could have charged me {$100000.00} and Chase Bank would just go along with it. My wife and I are both retirees and depending on our XXXX pension for our daily existence. We are on a real budget to survive. We saved many years so we can afford a vacation to XXXX. <P/>We can not afford to pay this humongous bill. We just ca n't. The monthly interest and principal on this amount would be around $ 600.00- {$80000.00} a month. There is no way we can pay it. The most we can do is pay this hospital to the maximum limit of our credit card. Prior to my checked in to this hospital, our credit card balance was XXXX and we still have {$8000.00} that we can spend. We are willing to pay the whole XXXX to XXXX just to go on with our life. <P/>Please help to right this unjust charges being imposed on us by Chase Bank. We appealed to them but they refused to listen to our side. They are a XXXX company and they should show more concern of the welfare of their customers and not treat them as trash. They should also be aware of the abuses of hospitals in XXXX to American tourists needing some medical treatments. <P/>Sincerely, XXXX & XXXX XXXX Email address : XXXX Address : XXXX XXXX XXXX, XXXX, Ca XXXX
XXXX XXXX {$0.00} balance paid off in bankruptcy Reported XX/XX/XXXX ( Total of 15 XXXX XXXX  paid off from my bankruptcy, that has not been pulled from my report that is all settled and paid through bankruptcy ) General Acceptance {$0.00} balance paid off in bankruptcy Reported XX/XX/XXXX Bankruptcy public record still on my report ( Chapter XXXX, Filed XX/XX/XXXX, Discharged XX/XX/XXXX. ) ( still not dropped from report ) All of these items have been reported through the credit monitoring, but are not being removed, and it has been over a month to a month and a half and no changes have been made, and I was referred to your company from my bankruptcy lawyers company that you all would be able to take of these issues. Thank you for your time.
On or about XX/XX/XXXX I contacted GM Financial to seek a lower monthly payment. The customer rep I spoke with put me on hold after looking over my account and told me that she would be asking her supervisor about a rewrite for my loan. She explained it to me and rotated my account and said she would forward this for review for approval. When a few days went by I called GM back and explained the situation and that no one had called me back concerning the rewrite I was pushed through to XXXX XXXX and he informed me that I was approved for the rewrite and after I made a payment for XXXX that was late my account would be current and the paperwork for the rewrite would be emailed to me and I would then have to sign and mail them back. XXXX went over the terms and payment amount which were great and I was very happy : 8 % interest monthly payment of {$400.00} and term of 12  months added to my current loan. I said I would take it as it lowered my payment {$160.00} dollars. My husband and I have been struggling with the payment over the years due to his layoffs. I had looked into refinancing but nothing worked out. On XX/XX/2018 I got a call back from XXXX whom I had to call the day before to ask where the papers .I need to sign were since they were not emailed to me ... he told me that now I am denied the rewrite. GM is denying all rewrites until further notice. How can they go back on their word? This information was documented that I was approved. They lied and were deceiving to me and my husband and gave false information I doubt they were going to even do the rewrite at all. I was a month behind on loan payment and called them seeking a solution to high payment due to hardship not wanting to voluntarily have car repossessed as last resort and they gave me hope made me believe that I would get paperwork to sign and have to send back before XXXX payment was due so that I would get the lower payment to start for next payment. I was waiting to do all that prepared to pay for documents to mail back to them quicker only to have been lied to. I'm stuck now with not knowing what else I could do.
Due to Flagstar 's mistake, I had to incur an additional {$200.00} charge. They now belatedly and incorrectly claim ( after initially basically conceding that it was their mistake ) it was my mistake. 

Here 's the background : we have a mortgage through Flagstar, and our property insurance is paid through escrow they collect. We purchased the property in XXXX of XXXX. In XXXX of XXXX, Flagstar accepted our property insurance policy ( in only my brother 's name ) and renewed and paid for ( out of the escrow ) our policy in XXXX ( with only my brother 's name ) and then now in XXXX they refuse to accept it/pay the renewal from escrow because my name was not also on the policy. 

A representative ( who was very polite ) first informed me over the phone that it appeared that they had previously made a mistake in renewing it. So, I reached out to my insurance agent to see what they got do and arrange for them to speak with Flagstar. I called Flagstar back and they informed me over the phone that they had renewed it in XXXX as a " courtesy '' but never told me they had just renewed it as a " courtesy. '' ( Nonsensically they claimed they " renewed '' it in XXXX as a courtesy as well, but that is when we first got the policy ). They then claimed that they 'd sent me three notices about this issue. Remarkably, they only mailed me a letter dated XXXX XXXX, XXXX informing me that they refused to accept the policy ; I received the letter on XXXX XXXX, XXXX, a Saturday and the very day the policy expired. The two prior letters were sent in XXXX and XXXX *prior to Flagstar 's renewing the policy with just my brother 's name*!. Now, because Flagstar refused to extend their prior " courtesy '' ( if that is even why they renewed it in XXXX ; their first customer service rep. told me it was likely renewed by mistake ) or at least notify me in a timely fashion, I had to pay an additional {$200.00} out of my pocket to extend the insurance so it could be re-submitted to Flagstar. When I tried to speak with Flagstar about what to do, they shouted at me repeatedly ( a different representative named XXXX XXXX and only recommended I buy different insurance. Remarkably, the money to buy the insurance is sitting in escrow. So, I had to pay out an additonal {$200.00} because of Flagstar 's error
i hired all star moving company from XXXX to XXXX XXXX to pick up my goods on XX/XX/XXXX, i paid XXXX % ( XXXX ) as a advance, but then i found out that they have very bad reviews, and bad reputation with XXXX, so i called them to cancel and refund my money, they refused to refund the money because it is not refundable according to contract, then i called my credit card company for a charge back, they put the money on the side but advised me to work with merchant anyway, so i called the mover ( XXXX XXXX ) they insisted not refunding the money, but they insisted to show up to pick up the goods, so i hired another moving company ( all city movers ) and they charged me {$100.00} advance so i booked them, for XX/XX/XXXX thinking that if all star shows up on XX/XX/XXXX i will go with them and will cancel with all city and will loose {$100.00}, but surprisingly all star never showed up on XX/XX/XXXX, i thought they are not interested to fight the chargeback and moved with all city movers smoothly to houston, now after 2 months city bank revered the charge in merchants favor, i called several times to citibank i just got one call back from citibank and she said that because i signed on a not refundable deposit so i should not get any money, but i do not understand that when a moving company does not show up for the job they were supposed to, how can take XXXX % of the money, yes i called to cancel it but mover did not accept the cancellation, and kept insisting that they will show up according to the contract and i waited all day for them, but they never showed up, plus this company charged XXXX % as a deposit that showed their bad intention, because the other company charged only XXXX % as a deposit, it was a red flag which i did not catch, but even charging that big money they did not bother to show up, so i think that citibank is wrong to reverse the charges in favor of merchant, first of all this is not a merchant, it is a mover ( a service company ) but they did not provide me any service according to the contract and still rewarded for XXXX, it is a big loss to me without getting any thing on the other hand, i hope you will ask citibank to reverse this in my favor, my name is XXXX XXXX XXXX XXXX XXXX XXXX and my phone is XXXX XXXX XXXX
Diversified Consultants, INC XXXX XXXX XXXX XXXX XXXX, FL XXXX Florida Office of Financial Regulation License # XXXX XXXX Department of Consumer Affairs License # XXXX Ref : Agency Reference Number # XXXX / Account # XXXX To whom it may concern : On XXXX-2017 Diversified Consulting Inc sent me a letter stating that I owed a debt. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt XXXX to send specific written documentation verifying the debt. Under section 2-190 of the Rules of the City of XXXX XXXX, verification requires all of the following : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Moreover, this debt appears to be past the Statute of Limitations. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act. ( section 1692g ) Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the City of New York ( section 5-77 ) require that you honor this request.
In XXXX XXXX we filed a Chapter XXXX bankruptcy retaining our home at XXXX XXXX XXXX in XXXX, Maine XXXX. NationStar is not showing proof of payments made via the bankruptcy and stopped taking our payments. They have now started a foreclosure case against us and have not been sending statements since XX/XX/XXXX. Then in XXXX XXXX they sent a demand letter stating we need to pay {$14000.00} to cure our default. They cashed our checks up until XXXX XXXX. Our bankruptcy attorney sent a check for {$5000.00} where they were not accepting his payments and they returned this check back as well. This should have never happened as we have complied with our bankruptcy guidelines. We ask that you assist us in getting this problem rectified as soon as possible. Our home is also being shown for sale on XXXX, XXXX, XXXX, XXXX, etc and they can not sell our home as we have not been foreclosed on.
I SENT LETTER TO XXXX ON XXXX/XXXX/2015 AND NO RESPONSE.
Ability Recovery Services has inserted this account on my report and have not sent me a dunning letter or any notification that they were attempting to collect a debt. This is in violation of my consumer rights. Additionally, this is a collection company of which I have never heard of nor ever did any business with them. How then are they reporting that I have a 1-month term with them? How do I have a balance and a past due balance with them when I have never heard of them. This account is inaccurate and unverifiable. It should be deleted from my report immediately.
On XX/XX/XXXX someone used my identity to attempt to apply for a Walmart Credit Card with XXXX XXXX. I contacted Synchrony immediately when I received the alert from my credit monitoring service that someone had attempted to open an account. I notified them that the account was fraudulent the same day. I was told they had to investigate before the inquiry would be removed and given an address to mail a written request for removal. I wrote a letter and sent the request to XXXX XXXX XXXX XXXX, FL XXXX as I was instructed. I was told that they would send me something in the mail. I have not received anything from them. I called back on XX/XX/XXXX and was told it was still under investigation. None of the information on the application matched my information except my name and social security number. I already had a fraud alert on my credit report advising them to contact me before accepting any applications and no one contacted me before this inquiry was placed on my report. I want this inquiry removed it is affecting my score and it is fraudulent.
My identity was stolen in XXXX, and several debts were incurred in my name. For XXXX of these debts I am still receiving debt collection notices, from different companies. It appears that the debt has been transferred or sold by these companies, despite knowing that the debt was based on identity theft, and not collectible. The account is a credit card that was opened in my name with XXXX XXXX XXXX XXXX, with a balance of {$460.00}. 
I first learned about the account on XXXX XXXX, XXXX by phone call from XXXX XXXX, who worked for XXXX XXXX XXXX, and said she represented XXXX. I faxed her a copy of the police report to fax # XXXX. I also sent a letter to XXXX, with a copy of the police report. 
On XXXX XXXX, XXXX I received a demand letter from XXXX XXXX XXXX, attempting to collect {$540.00} on the same fraudulent account, current owner XXXX XXXX, XXXX. I sent a letter to XXXX XXXX XXXX the same day, with a copy of the police report. 
On XXXX XXXX, XXXX I disputed the account with XXXX. 
On XXXX XXXX, XXXX the account was removed from my XXXX file. 
During the month of XXXX, XXXX, I received phone calls from XXXX with XXXX XXXX in Florida ( at XXXX, or XXXX XXXX ). He told me the current owner was Credit Card Resellers, and the balance was {$450.00}. I do not know why the balance was lower, as I had not made a payment on this account. I emailed XXXXXXXXXXXX the police report, the XXXX letter stating the account was removed from my file, and a reminder not to try to sell my account to someone else. On XXXX XXXX, XXXX I noticed a charge for {$450.00} on my XXXX XXXX business credit card. I spoke with my office manager, who told me someone from XXXX had called the office and demanded payment for a past due debt, upon which she had given them the office credit card number. I contacted XXXX XXXX to reverse the charge, which they did on XXXX XXXX, XXXX. I could not believe XXXX XXXX was trying to collect on this account behind my back, knowing full well it was a fraudulent account. 
Last month I received a demand letter from Dynamic Recovery Solutions referencing the same XXXX account, with a current balance of XXXX, current owner International Collection Services. I am mailing them a cease and desist letter, a copy of the police report, and a copy of the XXXX XXXX, XXXX letter from XXXX.
I borrowed {$700.00} and am attempting to make arrangement with the lender. However the lender insists on charging me 400 % interest and applying all payments to interest first. This is completely usurious and unconchionable. The contract should be void as a matter of public policy.
I am very disappointed that the CFPB did not help to resolve this fraudulant loan. # XXXX between XXXX XXXX and XXXX, FF ( AKA ) One West. Case # XXXX with CFPB.
I have had a very difficult time with Bank of America. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Bank of America always seemed to lose my paper work, which I constantly had to re fax. 2015 we a very difficult year for my family. I lost my job, and went on unemployment. My wife was diagnosed with XXXX She was unable to keep her job as well. An unbelievable hardship for our family. I am now back to working full time with XXXX XXXX XXXX My wife now has XXXX income as well. Our family is now over our hardship and wants to keep our home. Bank of America has refused to help us with a modification and is forcing us into a bankruptcy.
On XX/XX/XXXX we signed a JOINT ( husband and wife ) 36 months lease for new Chevrolet truck Silverado 1500. 

We received TWO separate letters dated XX/XX/XXXX stipulating the terms of the lease. Fortunately the TWO letters referenced the same Lease #. 

On XX/XX/XXXX, we received TWO separate billings, one for husband and one for wife. It is important to note here that the due date is the 3rd of each month and the payment must reach GM Financial in XXXX, AZ XXXX. Distressed, we called GM Financial at XXXX on XX/XX/XXXX. We were told by GM rep. that they made a mistake in setting up our lease on their system. We were assured that it will be corrected and that we will receive payment coupons in a proper time frame to be able to make the payments on time. On XX/XX/XXXX, we sent a certified letter to GM Financial Leasing XXXX XXXX XXXX, XXXX, TX XXXX demanding correction of our records. We also sent, on the same day, separate certified letter containing our payment for the XX/XX/XXXX installment and demanding 1 ) combining of our names on the payment coupons and, 2 ) stoppage of sending us double billings for the same lease, 3 ) booklet containing payment coupons for the lease. We kept repeating the same requests with each subsequent monthly payments To make sure we also filed the same complaints on the GM Leasing web site XX/XX/XXXX, then again on XX/XX/XXXX and again on XX/XX/XXXX. 

The only response we received from GM Financial was an e-mail of XX/XX/XXXX from XXXX XXXX responding to our Survey of " dissatisfaction '' that we completed before advising us that we better pay our bills on the Internet to avoid double billings. Another change we noticed was that for the XX/XX/XXXX billing they sent us only one billing for the husband but no change reflecting JOINT ownership of the lease. The bills from GM continue to arrive FIVE days before due date. As a side note, it takes approximately 7 days for the US Post Office to deliver our payments from our location to GM location in Arizona
The amount of the loan quite large and the interests alone is too large for us to even make a dent on the actual lone itself. I dont know if the actual amount of the loan is even true to what i should be paying. I think that the school is charging more than i was told when signed up with the school.
My husband got into a scuffle with someone one day I was trying to break it up and had my wallet in my hand, my wallet fell out of my hand this was back in 2008 and my identity from my credit card, social security card, and my state ID and my money were all stolen, and my identity right along with it all.
I did not authorize anyone to misreport any information on my credit history.. Given that Transunion is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint. I have attempted to have Transunion clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me XXXX/XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX,
XX/XX/2018 at XXXX, I called to inform Experian that they have failed to dispute items on my credit report within 30days from the date of my certified letter. I was informed by a Experian Supervisor that they have never received validation letter, and the information I disputed was just verified. I informed them that I have proof of certified letters from the United States Postal Service with a date and time stamp. The supervisor was rude and told its not the company fault that they did not receive my certified letters, and next time send them regular mail because they don't receive certified mail. I explained a Experain rep told me where to send my dispute, and gave me the dispute departments address.
I made a purchase at amazon dot com and swiftly cancelled it no more than half an hour later. XXXX put a hold on my card for the purchase at {$160.00}. I received a cancellation confirmation from XXXX and a settlement verification code from them after complaining about the standing hold. I contacted American Express Serve on four different occasions in a 20 hour period. Each time I was told something different about the transaction leading to confusion and misguidance. I finally reached a supervisor and supplied her with the verification code from XXXX and she told me the funds MIGHT be released in 8-10 days. I need my money now for bills and food which is why cancelled the order in the first place. The extremely misleading service and the absurd wait time to access my funds is why I am filing this complaint.