WillisBack/dataset-financial-user-claim huggingface dataset:
Data breach by malicious parties and personal information stolen for myself and millions more was announced on XXXX. Breach occurred in the XXXX - XXXX time-frame and was discovered XXXX XXXX. Interesting that it took a month to come clean about this. 

Information that came out says this was a simple hack that could have been prevented by adequate security. Since that was not in place and instead an easily hacked system that I can only assume was used to shave a few dollars off the IT budget. 

Since my private information is now up on the dark web or in a torrent I will always need to use credit monitoring and other measures until the day I die. This will affect my ability to pay my rent or own a home, purchase a car, obtain legitimate credit, my medical expenses and of course other consequences I have now way of predicting. 

We have put trust in financial corporations to keep our private information safe. Shirking your responsibilities to the consumer in the most catastrophic way possible is not the way to do that. 

The pursuit of profit may be all consuming but remember you need consumers to use your goods and services, treating them with this level of disdain for their financial security is unacceptable. There are people who 's lives will be destroyed by this. Actual flesh and blood people who are doing everything they can to survive in this rigged game. Meanwhile 'you ' will likely get a bail out.
I have attempted to contact XXXX XXXX XXXX and have not received a response.

My research has shown that there is NO CONTRACT with XXXX XXXX   XXXX. Any contract they may have thought they had was cancelled and written-off. Their comments on the credit report proves that it is a write off. As a result, they NO longer have ANY rights to the debt, including reporting it on my CREDIT REPORT.
I had bed bugs in my apartment 3 years ago I was only in the apartment for 2 months & it was heavily infested I told the apartments because according to lease they is responsible for getting rid of the bed bugs they sent someone out who said they didnt see anything but I had pictures & all so they broke the lease agreement by deciding not to treat the bugs so I moved later down the line is when I tried to get an apartment I am unable to get 1 because all these charges they placed on my credit report so now Im XXXX all the charges they say was from things I left in the apartment well all them things had bed bugs so I couldnt take them to my next home they say I owe {$2000.00} Hunter Warfield Inc from XXXX XXXX XXXX
In late XXXX of 2015 I received a letter from CMRE Financial Services regarding a delinquent medical account that I was unaware of. In early XXXX 2015 I made a payment in full to CMRE to satisfy the delinquent account. One week later, without having received any warning, a delinquency was noted on my credit report by CMRE. I made a phone call to CMRE, the first time I have ever talked to anyone at that company about this account, where a woman stated that they had been trying to contact me since XXXX 2015 and that is why they put the delinquency on my credit report, even though it had been paid. 

Since no one from CMRE made any attempt to contact me, I was never informed of any possibility of a deragatory mark on my credit report, and the fact that this balance was paid prior to CMRE reporting the derogatory mark, not only is this unfair but it is a clear violation of the law and my rights.
I notified Transunion customer service of some unauthorized credit inquirys and they would not take care of it and as a result my credit is being negatively impacted. I spoke with customer service on  XXXX   XXXX ,   XXXX   at about  XXXX   XXXX   Pacific Standard Time.       XXXX   XXXX ,   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
On XX/XX/2018 I received an email from my employer stating at letter that was received by their office on XX/XX/2018 claiming it was a second attempt to initiate a garnishment of my wages and if not done would sue the XXXX that I was employed by, after speaking with my HR department no first attempt was received by their office and they were garnishing 15 % of my disposable income each paycheck to avoid being sued, when I contacted XXXX XXXX and the number on the form they first tried to pass it off on someone else and then after 2 hours being transferred to 3 different people all of this while I was at my place of employment there was nothing to be done, except loose 5 payments to come out every other week of 15 % with them  then submitting a signed document which I have still to this day not received have called with no answer to how to have this corrected, I am a single mom that depends completely on my income as well as XXXX children who depend on this income, one of  which is on long term medication and has multiple medical conditions that can cost me a lot of money. I am willing to pay but would like to be discussed and a plan set up not threaten my employer and send a notification like the one they sent that has no balance of owed amount of any alternative to pay, my HR person stated this letter looked very different from others that their office had received for other employees. My concern is when I try to track this said information about my loans and where they are housed to set up arrangements nothing is to be found at the XXXXXXXX XXXX XXXX or NAVIENT! Please I need help in getting this taken care of immediately
Complaints : 1 ) Loan Servicer Refuses to recognize and adjust the correct interest rate on the Loan.

2 ) Loan Servicer refuses to contact the Lien Holder to ask for temporary and or permanent forbearance.
On XXXX XXXX, 2015 I refinanced a loan held by Wells Fargo home mortgage company. It was paid in full by the new mortgagor and the excess escrow funds, totaling over {$6000.00}, were to be refunded to me by Wells Fargo. In nearly a decade, every monthly payment due to WF was made early. When the escrow funds did not arrive after more than two weeks, I called on XXXX XXXX and was told that the status of the refund was unknown, but a check 'is usually ' issued within 15 days after closing. After waiting several more days, I called on XXXX XXXX to inquire about the status of the funds. It seems that the bank 's records indicate that the funds were disbursed on XXXX XXXX, and 11 days later their location was still a mystery. ( How the bank did not know that the check was supposedly mailed a day before my call on XXXX XXXX is a head-scratcher. ) As of today, XXXX XXXX, 2015, more than 3-1/2 weeks has gone by and the bank seems unable to account for my money. I have requested a wire transfer of the funds to XXXX of XXXX other WF accounts ... both in the same names as the mortgage, but WF has refused, stating some concern that the mortgage is in XXXX names, so they can not do a wire transfer. XXXX ... .the names on the checking accounts and the mortgage account are the same XXXX people..my wife and I. 

It is becoming clear to me that WF may be holding my money in a float account in order to earn interest on the funds, while paying me zero interest to the funds owners. If every escrow account is similarly held for at least 15 days, and perhaps longer, the total figure is substantial. A bank who invests substantial money in creating software that bounces the maximum number of checks in an overdrawn account ( to maximize the fees they can charge ) gets little benefit of the doubt from me.
Company charged fees to my account which they can not support and will not provide documentation for. 
Company Assessed 2 identical " Fees '' to my account in the amount of {$4500.00} on XX/XX/XXXX and XX/XX/XXXX. The first they say was a charge from my previous servicer. However my previous servicer never charged the fee and it never showed up on any statements. BSI is the only entity trying to charge the fee. They " claim '' it was for foreclosure costs incurred by the previous lender, however I was in active loan modification negotiations with the previous lender all the way through transfer of my loan to BSI. Charging " foreclosure '' fees would have meant they were dual tracking.. Which is Illegal. The second charge is inexplicable even by BSI. I have requested on multiple occasions, documentation or explanation for this charge and they have refused to supply it and in phone calls admit they ca n't even figure out what it is for. They promise to resolve it and then simply never follow through. On one occasion when I made a demand in writing ( of which I have made multiple ) they simply grabbed a stack of ( trash ) paper ( meant for recycling or shredding ) stuffed it in an envelope and mailed it to me. They have assessed a TOTAL of over {$15000.00} in fees some of which they have provided some backup for but most of which seem excessive. Legal fees related to the Chapter XXXX I had to file because they refused to negotiate a loan modification with me despite my willingness and ability to pay. However I am simply pursuing these two charges as they are blatant and unsupportable.
I was XXXX for XXXX yrs. and in this time Wells Fargo opened several different accounts in my name and then deposited my inheritance from my actual account to these false accounts and left me with nothing. I have filed police reports and tried to contact Wells Fargo about it and they refuse to acknowledge anything. Please help me recover over {$130000.00} from my mothers inheritance and monthly payments from her XXXX XXXX XXXX.
I took out a significant amount of student loan debt to attend XXXX XXXX ( XXXX ). One year after starting my XXXX XXXX, I applied for income-based repayment in anticipation of completing ten years in public service to qualify for the PSLF program. I started my payments in XXXX XXXX. I submitted employment certification forms in XXXX XXXX. Only my last two loans for XXXX XXXX qualified. And each of those two loans only had a 14 months and 5 months of my XXXX  payments counting towards the total, whereas it should be 24 months ( since I paid IBR for 24 months during my residency ). Therefore I called FedLoan to check on what was going on. 

I talked to one person this morning, who told me that only the two loans from my last year of XXXX XXXX qualified. He told me that I needed to consolidate my previous loans for them to qualify for PSLF. So he transferred me to a different department, who then told me that once I consolidated, all of my previous five years of payments could not count at all and that the countdown would restart at ten years. 

Needless to say, I was quite irate. I had been told by multiple parties that I should NOT consolidate because it would disqualify me from PSLF and the protections afforded from it. FedLoan took over the majority of my loans when the recession started in XXXX, so I ( wrongly apparently ) assumed that the loans were all under the same roof, so to speak. The entire process of PSLF has been very vague and cumbersome. 

This is not working. And I feel as if I am being screwed over. Any help would be greatly appreciated. Thank you.
Navient hired XXXX XXXX XXXX XXXX to collect on a private student loan debt. Under complaint number XXXX, XXXX XXXX " XXXX '' XXXX alleges that they used " XXXX Collection Advantage to identify, confirm, and/or validate your location information due to the fact that we have been unable to identify your actual mailing address and you have mailed to provide same. '' I had requested in writing to XXXX in XXXX 2015, not to contact me anymore to which they agreed. There was no reason that XXXX needed location information since they had a cease and desist request from me. However, they used the XXXX on XXXX XXXX, 2015, for which there was no reason for it since they were not to contact me after XXXX 2015. The only reason FAMS used the XXXX on XXXX XXXX, 2015, was to harass and annoy me in flagrant violation of the Fair Debt Collections Practices Act. They had already received a written cease and desist in XXXX 2015, so there was no reason to try and contact me after that time.
I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR SECOND ROUND SUB LLC or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR SECOND ROUND SUB, LLC., has sent dunning letters saying I owe them money because they obtained information from another individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for BUSINESS with another CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed, abused and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR SECOND ROUND SUB, LLC., to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR ONLINE COLLECTIONS INC to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR SECOND ROUND SUB, LLC., this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime. 
THIS DEBT COLLECTION AGENCY ONLINE COLLECTIONS DID SHARE THIS INFORMATION WITH ALL XXXX CREDIT REPORTING AGENCIES. 
Because I did not contract with this DEBT COLLECTOR PLEASE DELETE THIS ERRONEOUS, INACCURATE INFORMATION OUT OF MY CREDIT REPORT. A DEBT COLLECTOR CA N'T PUT INFORMATION IN A CREDIT REPORT UNLESS THE CONSUMER HAS CONTRACTED WITH THEM WHICH I DID NOT DO.
I have been paying Pressler and Pressler faithfully every month on a debt that was originally around {$2300.00}. The balance is now around {$1000.00}. This morning XXXX/XXXX/XXXX, I received a phone call from one of their representatives, telling me that I could avoid future legal action by entering into a formal payment agreement. They have a default judgment against me, have already wiped out my bank account. I am paying them and they are STILL threatening more legal action. The original debt was a cable bill that dates back to XX/XX/XXXX. Before they got the default judgment, I contacted them and asked who the creditor was. They refused to tell me. Who in their right mind would send money to a post office box after receiving a rubber stamped, computer generated letter from someone who refuse to tell you who you owed? This is a scam. I need answers. I ca n't enter into any sort of agreement with another party that has already shown that their word is no good, consequently they are threatening more legal action.
We had what was supposed to be a fixed 30-yr. FHA loan. However, XXXX Mortgage has consistently raised our monthly payments - most recently from {$1200.00} per month raised to {$1500.00} per month. They claimed that this was due to them not collecting enough from us for our escrow. I see that most recently, part of that is for a " PMI/FHA Ins. Distribution. " Raising a mortgage payment {$300.00} per month is too much to handle and not reasonable.
XXXX XXXX and XXXX XXXX XXXX can not collect this money again for an account that was settled with the original creditors ... this is against F.C.R.A. law ; original creditors informed me that they did not verify these accounts ... Consequently, litigation will follow if they are not removed ... no contracts exist, and this is false and inaccurate reporting, please update your system, and do away with erroneous XXXX   verification that is causing so many consumers trouble
This debt is not a valid debt it is past the statue of limitations, I spoke with a representative back in XX/XX/XXXX and they explained to me that I owe them over {$500.00} and they said that they would take me to court If I didn't pay. I told them that that this debt is past the limit of being a valid debt according to the statues of limitations. It was a payday loan from XX/XX/2011. Also, I have used that payday loan service since that debt charge-off. They said that openly admitted to the debt, this is valid but not a case that can be handled by XXXX county small claims court, or any other court for that matter. My work received a call today and asked my manager if I was prosecutable or something of that nature and left a number for me to call with a case number XXXX, XXXX. I called the number and it went to a answering machine telling me to leave my Name, reference number and number to call me back stating it was their " legal department. '' Also they called my mother the same day leaving the same message telling her that they had try to call me several times, fiction. I have not spoke to anyone since early XX/XX/XXXX about this and before that was unaware that the debt still was floating around. It isa n't on my credit report and I faintly recollect the debt and uncertain it is even a legitimate accusation.
My chapter XXXX bankruptcy ( Case XXXX ) was discharged on XX/XX/XXXX. After the discharge, I filed XXXX disputes - XXXX with XXXX and XXXX with XXXX - to have an eviction record reported by Hunter Warfield ( collection agency for XXXX XXXX ) removed from my reports. 
XXXX of these accounts was removed on XX/XX/XXXX, the other on XX/XX/XXXX. I recently moved and I 'm unsure why but Hunter Warfield began contacting me via telephone and postal mail, attempting to collect the debt that was included in my Chapter XXXX and had already been removed from my credit reports. 
I notified them via Electronic Mail that I am no longer liable for this debt, and included a copy of my Discharge Certificate. 
Hunter Warfield failed to reply to my e-mail, but I reached out to the City of XXXX ( there was a default judgment against me for this debt ), and they said that although I have proof of filing Chapter XXXX Bankruptcy, since the discharge certificate does n't specifically list Hunter Warfield, XXXX, or the City, they would not remove the judgment from their records, although the City advised me that they would not attempt to collect on the judgment since I had a Chapter XXXX on file. 
After my move, I checked my credit report via XXXX and discovered that Hunter Warfield added this debt back onto my XXXX credit report. I contacted Hunter Warfield advising that this debt was discharged but once again, I received no response. 
I have filed a dispute with XXXX but it could take up to 30 days to resolve. I also feel that Hunter Warfield has violated their rights as a debt collector in the state of Virginia.
My husband and son, who have same name, both had procedures done about the same time at a  XXXX  center in  XXXX   XXXX , Co. I was making payments to them and believed I had made last payment just before received a notice from PFC in   XXXX  . I thought they cro ssed in the mail. For four y ears did not hear a thing, then received a collection notice with an extra {$100.00} dollars attached to it. Yes we did owe the original bill, but I believe this to be an under handed tactic to attach more money to the bill to wait four years to attempt to make contact. Our address and contact information never changed. Maybe barely within the law, but very shady. Should not be allowed to do business this way.
Several different third party collection companies continue to send me a toll bill with different amounts from a state I do not live I have pay several invoices with different amounts from almost a year ago each time I ask is there anymore invoices in the systems they say no this is it then they waive administrative fees and I pay ... I have disputed numerous times based on duplicate invoices cooying of photos and creations of invoices, receivable too old based on date of violation and no violation code on invoice and different numbers and amounts on same collection notices from different companies. I believe this too be fraud and invoice and billing abuse because I am an out of state resident. 

Again I dispute all invoices with. 


XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, Oh XXXX XXXX Account # XXXX Creditor 's Account # XXXX Violation Code 0000000 I was there XX/XX/2017 I have paid numerous tolls while there and the ones sent through mail and was told that was it .... 

Thanks XXXX XXXX
XXXX my mom and grandma handles my bills and calls. My grandma tryed to make payments do to we cant pay my bill in full and he said no he needs to pay the XXXX then later told her XXXX then XXXX and now also told her i will be arrested and it will be a XXXX dollar fine and will need a bail bond then to get me out of jail. Then refused to talk to her now and said after he told her i have till XX/XX/XXXX to pay it turned around and said i have to push this threw that i will not speek to her anymore and i have XXXX hrs to respond. He has called multiple times even when im at work and has even called at XXXX before. I find the treats offensive with the jail time the refused to take payments when we tryed to work with him and even the backout of the date he told her on profesional and this is also illegel.
AES XXXX XXXX XXXX : Posted a Charge off to my credit reports, however it isn't my account, and the contract that they provided upon request doesn't match my social security number. Please remove this ASAP.
XXXX cell phones were ordered on my credit card by someone other than myself the phones were to be sent to XXXX, XXXX XXXX Phone XXXX He is connected to a group of people that scams the elderly out money .the number for this group is XXXXperson affiliated with this group is XXXX, another address XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX, Another phone number XXXX, XXXX XXXX XXXX. i do not know these people personally but i was scammed out of XXXX dollars by them if you need more information please get in touch with me.
I tried to get an deferment and was denied I was on time with all payments and trying to keep my credit right and try to prevent getting fees but they was trying to get fees out of me and trying to ruin my credit and I'm tryin but a house they was no help my next step is getting attorney they was rude and not helpful like they just didn't care.