WillisBack/dataset-financial-user-claim huggingface dataset:
Data Breach that is all over the news and internet. My personal information is out for anyone to see. In addition to that a prior situation is that I was not advised nor did I allow the bankruptcy information to be added to my Equifax credit report. 
603 Define adverse action Adverse actions '' include all business, credit, and employment actions affecting consumers that can be considered to have a negative impact as defined by Section 603 ( k ) of the FCRA.
Adding a bankruptcy to a consumers report is and should be considered an adverse action due to its negative impact.
604 ( 1 ) ( C ) ( 1 ) Users Must Notify Consumers when adverse actions are taken.
615 ( a ) requires the user to notify the consumer. 
Equifax has not added a line in regards to US Bankruptcy Court of Nevada dispute per section 623 ( a ) ( 3 ) Your bureau has published inaccurate information in my credit report. Stating that US Bankruptcy Court of Nevada was the furnisher of the information. When in fact a third-party XXXX ( information reseller ) is the furnisher of the information. The US Bankruptcy Court of Nevada does not solicit or give information to third party companies ( Proven by Letter ) Your company has also admitted to the use of a third-party company via correspondence. 
Your companys interaction with an information gathering company has also been proven by XXXX. 
XXXX confirms that they retain information mainly from public record on the XXXX company website page About Us. 
The public record from the US Bankruptcy Court of Nevada is also heavily redacted, thus making identification virtually impossible or extremely difficult. 
Definitions : Furnisher A Person or Entity to provide what is necessary for an activity or purpose. 
Identity Theft The fraudulent acquisition and use of a persons private identifying information, usually for financial gain. 

Equifax has failed to respond satisfactory within 30 days on response letter dated XX/XX/2017.

Equifax has repeatedly verified without yielding proof of verification in response letters da

ted XX/XX/2017 & XX/XX/2017. Equifax has failed to reply to letter asking for proof
of owner verification. 

Equifax has failed to sign for the receipt of second letter asking for proof of owner verification. In possible effort to avoid interaction.
Willful noncompliance with FCRA Disputed Accuracy Section 611 Willful noncompliance with FCRA Furnishers Obligations Section 623
A scam " locator '' named " XXXX XXXX '' said he was going to come to my job and/or home to serve me papers regarding some case that I do not know about. He had a case number of " XXXX ''. He gave a return number of XXXX, which is for a company that does not exist.
Bank of America and their representatives, including XXXX XXXX, have engaged in the practice of distribution and sharing financial, personal, private, and privileged information contained within the borrower Home Loan Modification Status iportal, My Documents tab page with external users without my permission or consent. It is this long established Bank of America practice that has allowed for the destruction of documents and documentation related to my home loan mortgage account. 
This on-going conduct on the part of Bank of America and their representatives is, in part, the reason I have ha to lodge over sixty ( 60 ) CFPB Complaints regarding Bank of America 's handling of my home loan mortgage account records throughout the loss mitigation and modification processes and have been incorrectly denied a MHA HAMP, MHA HAMP TPP, and incorrectly forwarded to foreclosure. 
There is simply no way Bank of America can come up with an explanation for such errors in processing and handling upon complete and independent reviews of the mortgage and service records for which decisions are based and made. The whole reason for such reviews are to ensure any action taken on an account are based on the complete and current record resulting in accurate and correct decisions. This simply has not been the case in this instance throughout the modification and loss mitigation processes to date as evidenced by the multitude of errors in processing, procedure, law, regulations, and guidelines. In other words, these errors have not been due to Bank of America representative and employee lack of knowledge of specific procedures required in the performance of their duties.
XXXX XXXX XXXX took me to court over a debt that was dismissed with prejudice in my favor. The information was sent to the credit bureau and they refuse to remove it from my file as XXXX is still reporting it even though legally I am not obligated to pay the debt.
This bill with XXXX XXXX was reinstated on my credit report XXXX 2017. I have proof it was not on my report before. It had been removed several years ago. After it was removed it was sold twice. XXXX XXXX is now reporting it as XXXX, I disputed the original amount when on report. It was XXXX. I had turned in equipment and they never fixed balance. Equifax is ignoring this as I have credit report from them in XXXX and this is not on my report. I 'm attaching all evidence. They are not investigating and are just closing case.
Related Case # XXXXChexSystems had been re-inserted into my credit file derogatory marks from XXXX XXXX XXXX. 

You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
I opened an account with CarMax Financing in  XX/XX/XXXX  to purchase a   XXXX   XXXX   XXXX  . Throughout the course of the contract, I ensured that the payments were made on time in at least the agreed amount. In mid- XXXX , my cosigner declared bankruptcy and I notified CarMax that I intended to continue with payment until the vehicle was paid in full, per the agreement. However, CarMax stopped reported payments to the credit bureaus which caused irreparable damage to my credit score. I attempted to reconcile the situation by removing the cosigner from the account, but CarMax would not cooperate. I even enlisted the assistance of an attorney that was unable to remedy the situation, forcing me to refinance the vehicle.
They have conducted themselves in violating of the original contract, claiming that I declared bankruptcy and taking inappropriate action against me and the account. They exhibited predatory business practices and refused to work with me to correct the situation.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ( XXXX  ) XXXX to whom this may concern My name is XXXX XXXX and I want to file a complaint against XXXX XXXX, XXXX. Experian because the information that they are putting on my credit report is not accurate and it's fraudulent.

I have been a victim of this crime twice and this time am fighting back am no longer going to allow the credit company to keep putting fraudulent accounts on my name with out proof it's me. 
I had a block put on my credit report many years ago so what am trying to understand is how do one have a block and still criminals still some how gets a hold to my personal information and open up fraudulent account with my driver license number and my social security number and how do they get this information it baffles me every time. I lost my driver license back in XX/XX/XXXX in XXXX XXXX when I went there to visit my mother but I never thought nothing of it until I look at my credit report and saw all that fraudulent stuff on it and I made call to each and one company and nothing has been done. I even call the account holders about the account and they told me it was in my name my I.D . and my social security and there is nothing they can do about it and am not going to stand for it no more longer. it's there job to keep that fraudulent mess off of my report and if I have a block I should of been notified when account were open in my name but I was never notified about anything and when I look at my report I just seen so many fraudulent account so many different ways of my name and many address that I never live at ( like XXXX XXXX ) I never live in XXXX XXXX in my life and when I told them they did nothing about it. 
then they had a address that was a XXXX XXXX and how I found that out I live on XXXX  and when I saw the address I went to it and it was a close XXXX XXXX and I fall to the floor when I seen that.

so now am more convince that the accounts on my report are fraudulent and that's not right for some one to open up account in my name when I have a block on my name. 
I want all those fraudulent account remove from my credit report because I no nothing about any of those accounts the only I want is my name right and not put something on me that I did not do. 

Thanks XXXX XXXX XXXX
I have an FHA 203 ( k ) loan for a major home renovation. My original bank sold the servicing of the loan to LoanCare. We have submitted a draw request which was subsequently approved so a check was mailed. Unfortunately the check bounced. It has now been 4 days since I notified the bank and there is still no resolution. My Contractor has written checks to pay the subs that have done work on the house and now those checks are bouncing. Not only does this affect my Contractor, but now he is losing credibility with the subs and impacts their desire to want to continue to work on my project which will delay my project causing me to have to pay more months of mortgage than necessary. Please help.
ON XX/XX/XXXX I PULLED ALL THREE OF MY CREDIT REPORTS AND NOTICED SOME ACCOUNTS, ONE ACCOUNT THAT IS LISTED IS FROM A COMPANY CALLED XXXX XXXX XXXX. I DISPUTED THE ACCOUNT. XXXX AND XXXX XXXX RESPONDED ON XX/XX/XXXX AND THE ACCOUT WAS DELETED DUE TO THE COMPANY NOT PROVIDING PROOF THE ACCOUNT BELONGED TO ME. EXPERIAN ON THE OTHER HAND RESPONDED BACK SAYING THE ACCOUNT WAS VERIFIED AND ACCURATE AS BELONGING TO ME. I ASKED FOR PROOF AND THEY DID NOT RESPOND TO ME. I AM REQUIRED BY FCRA TO REQUEST ANY KIND OF PROOF DURING A DISPUTE PROCESS. EXPERIAN FAILED TO SEND ME ANY INFORMATION. THE ACCOUNT THAT IS LISTED ON MY CREDIT REPORT DOES NOT BELONG TO ME.
IMy car a XXXX XXXX XXXX was financed for {$7000.00} by American Credit Acceptance. On XX/XX/XXXX, I give the car back by voluntary surrender. As of today XX/XX/XXXX they are reporting to Credit bureaus that I owe them {$6700.00} I owe American Credit Acceptance nothing because they have the car and sold it at a private aution. I want them to report to all credit agencies that I owe them nothing. I feel American Credit Acceptance is committing Fraud and trying to get double what the car was woth. I want a full investigation and will be waitng for your respnse. XXXX XXXX XXXX
Mortgage company keeps increasing interest rate and late fees. My total current fees are {$2200.00}. I have not made late payments at any time.
On XX/XX/2018 i was approached by XXXX XXXX and XXXX XXXX from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to refinance my home. After providing them all of my financial information and documents, they were offered me a better deal on my current mortgage so we proceeded with the formal application. They also told me I had to pay for 2 appraisals ( {$720.00} ) each for a total of {$1400.00}. I gave them my credit card info and they ordered the 2 appraisals from 2 appraisers of their choice. Both independent appraisals came back at approximately at {>= $1,000,000} which is what i paid for the house a year earlier. I don't hear back from them for over a month and then i finally heard back from them and learned that the lender they picked did not " approve '' the appraisals and decide to come up with their own valuation at $ XXXX without setting a foot in my property. Since they didn't use or approve the appraisals they made me pay for, i asked for a refund on them. After a lot of arguing, back and forth, they agreed to refund me only one appraisals. I involved the president of the company, XXXX XXXX and he stopped responding to my emails despite several attempts. The company refused to refund me for the second appraisal and i honestly think it's absurd. They approached me, made me pay for the appraisals and then don't use the appraisals. What type of accountability process do they have in place? I have emails of everything mentioned in this report.
I owed a debt to XXXX XXXX XXXX, which was forwarded to Diversified Consultants. I paid the debt off to DC in XXXX, 2017, and as assured the derogatory remarks about the collection would be sent to the 3 credit companies. I have written to two companies, but only one has showed as removed. I am very frustrated because I am paying my debts and am trying hard to repair my credit, but the two companies ( XXXX, XXXX ) seem reluctant to remove the information or notate it as paid in full. Please help.
Discover is now offering consolidation loans. I took XXXX out and I also opened a discover " bank '' account. The bank account pulls money from my checking account but then holds the money for over a week. I want to say the funds were held for 7-10 days. That 's fine if it was a check but this is an EFT transfer. So, I 'm losing the money out of my bank and not able to use it to pay my loan. So, In the meantime I look at my loan and pay the bill but the payment gets returned because the funds that they pulled electronically are n't available yet. Ok fine that does n't seem right but whatever. So, I paid 2 months on the loan and it should be due again in XXXX. I get online and verify this. Then today I find that the loan payment pulls monthly even if it 's not due. So, the site a few days ago says the payment is due in XXXX. I look at the next payment and that says XXXX and yet the payment gets pulled for XXXX anyway. So now I 'm overdrawn on the bank account will pay a fee for the return on the loan as well as an overdraft on the bank account. Then they 'll pull the money from my checking account. Hold it for 7 plus days and take fees out of it. So, when it 's time to pay XXXX bill it will be short and I 'll have to send more money that will get held and have fees taken out of. So, it 's this vicious cycle that you ca n't get out of. They should n't hold a deposit that they pulled eft out of my bank account for that long. They need to give better info on when payments are being pulled and they should n't say a payments not due and still pull it. It all ends up costing the consumer a lot in fees. After the last time this happened I thought I was planning ahead and getting the money into the " bank '' account a month early was enough time. It is n't. I 'm out fees again. Does n't seem right. Maybe it 's just me,
I received an invitation to apply for a XXXX credit card from BBVA Compass Bank and went ahead and applied online ( application ID : XXXX ) my application stayed pending for over a month and during this time I received false information from more than 10 people in customer service about the application being pending credit review. After a long period I spoke to someone who claims to be a supervisor ( XXXX XXXX ) but he was rude, not helpful and had no power or authority to demonstrate that he is a read supervisor. He told me that the bank won't approve me because I am not a XXXX XXXX which is a total discrimination based on Citizenship and Country of Origin. I told him if that's how the bank evaluates potential customers why did they send me an offer in the mail to apply for credit card even though I am a citizen to which he never had a good answer and then he started blaming me for applying online even though the letter says that I can apply online, in branch or by the phone. Federal credit regulations state that when a bank solicits a customer through mail to apply for a credit card their offer must be firm, legit and final approval is subject to CREDIT approval not citizenship status. If this bank made me an offer they were never going to honor it even if my credit was perfect because they are discriminating against people who are not citizens which means that the offer was not legit, illegal and against federal regulation. I asked if they are willing to remove the inquiry and he refused and told me to go contact the credit bureau. I read the offer letter again and not a single word says anything about being a XXXX XXXX before applying. Later I received a letter in the mail stating that they won't approve me because of fraud risk which is a complete joke because I tried to work with them and submitted verification documents including my social security card and state ID and even went to a branch in person to resolve the issue but no one wants to help. I was treated unfairly by this unprofessional bank and it's useless customer service team and I expect CFPB to protect me and my rights from this whole encounter. Attached are all the pages from the offer letter and the denial joke letter.
I am a 100 % legal US born citizen living as a 100 % legal resident in the XXXX with my wife and daughter. 11 months ago a check I wrote from my US CHASE bank account to my local XXXX bank bounced. The account balance was much more than enough. Our local bank then showed me a telix image of my check clearly stamped " ACCOUNT CLOSED '' we we're shocked. Neither I nor my US based account manager had even been notified by CHASE Banks as is legally required. The saga is very long and drawn out involving mounds of correspondence and scores of conversations. I'm attaching my latest letter to Chase as a synopsis. The short version is that CHASE Bank has been continuously evading returning my. {$87000.00} account balance well past the point of serious criminality.
Good morning, on XXXX XXXX, 2017, I made an international transfer in the amount of US {$21000.00}, from my savings account in the XXXX XXXX to my savings account of CHASE Bank, the International Transfer department of CHASE registered the amount of US {$20000.00}, lowering US {$25.00}, amount not authorized to deduct from the transfer, since they only have to charge a commission of US {$15.00} and after crediting the amount sent. This is an illegal practice of this Bank.
My husband and i had a water softener installed, we were both working at the time and have paid monthly payments on time for 2 years so when my husband lost his job for medical problems and my job cut everyone to part-time we fell back on payments and asked the company ( XXXX Finance ) to pick-up and take away the softener as we were not going to be able to keep up the payments. They said that was not possible and have frequently calling and harassing me and him on our phones and now my workplace. i have been embarrassed at my workplace and reprimanded by my supervisor. We have instructed them to stop this harassment but they are n't they keep calling. 
What can i do? i can not afford to lose my job by their calls.
This is my SECOND complaint filed against LoanCare regarding illegal and unethical escrow account practices. The first time around, LoanCare was illegally maintaining an overage of {$8000.00} in my escrow account as of XX/XX/XXXX after my XXXX taxes were paid. They did issue a refund ( finally after multiple complaints and a CFPB complaint filed. However, they refused to lower the monthly escrow amount. My property taxes are no where near the estimate of {$7500.00} their reps insist they are. XXXX taxes were based upon land only, but I have since received a tax estimate that I sent to LoanCare and they completely ignored. I requested, in writing, another escrow analysis more than a month ago, and did not receive a single response. They were scheduled to do an escrow analysis in XXXX as well and did not complete either. I have left messages and have gotten no response. Nothing! This company is running a completely unethical business and their practices regarding escrow accounts are illegal. After the crisis that arose in XXXX, and the subsequent regulation and legislation that went into effect, I am shocked that LoanCare would even dare to attempt to commit escrow account violations. Consumers have rights, and they simply can not be allowed to ignore their clients and illegally benefit off escrow slush funds. Laws are in place to prevent this. Why and how LoanCare continues to get away with illegal escrow account practices is beyond me.
School is XXXX in XXXX, NC. Simm Associates, a collection agency, left several voice messages and then sent a letter informing me they were collecting for a delinquent student loan, for which I am the cosigner, with XXXX. This loan is being serviced by XXXX. After contacting XXXX, I was told the loan was NOT delinquent and since the student not graduated yet, it is impossible for this loan to be declared deliquent. The agent at XXXX was very helpful. When I contacted Simm Associates, the collection agency, at the number listed on the letter they sent, I was asked for identifying information such as my date of birth. I declined to provide any personal information and offered the account number from the letter. The agent refused to continue the call unless I provided this personal information, and which point I ended the call.
this is my second loan with speedy cash and things went well, until the last couple of months, my company changed pay roll dates. I reached out to speedycash to see if I could change my due date, because each week, I have to extend out my due date and get more accured interest. I have never missed a payment and ca n't help that my company made this change, unfortunately I am not at an executive level to help with decisions as such. All I want is a due date that corresponds with my new pay cycle. When I reached out to customer service, I was told it had to stay the same as was only original loan documents. I do n't understand why that ca n't be altered, and no one took the time to explain that, I just received a no answer. 
Thanks! 
XXXX
I have a auto loan from SANTANDER CONSUMER USA on a XXXX XXXX XXXX. over the last two years I have been paying a extra {$60.00} a month to go towards the principal. Instead this company decides to apply none it to the principal and take half and add it to the interest and add 22 % on top of it. I call the company to talk about this and they admit that they did this on tape that I have. After doing some research on this company this the same company that just settle with the fed because of cheating XXXX men and women. I am a XXXX veteran and do not understand how this can still happen with with company. There are many lawsuits that have been filed against this company and this company still try to cheat its customers with this illegal practice. I had a account look at my history of payments for the last three years and none of the payments that have been made have been applied correctly to the loan amount. I have made a request to have all of my payment history mailed to me over two weeks ago, I was told by XXXX a manager that the extra payments will be added to the principal and correction made. So far nothing has been done, the payments still do not show correction made. I would this department to get involved to help make correction and expose this company for what it is.