WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax breach. And exposure to personal information, in which can be used for all three credit branches. Exposure to theft and fraud.
I was recently discharged from a Bankrupcy ( XXXX XXXX ). As soon as the discharge was ordered, Select Portfolio Servicing stated sending harrassing letters & calling saying that I had missed a payment during my bankruptcy.I have provided them a copy of the check of the month in question, but they have been unable to resolve the issue. Further, when Select Portfolio alleges that I missed a payment, is the same month when Select purchased my mortgage from XXXX loan servicing. I contacted XXXX on XXXX XXXX, XXXX & was told by an agent, that she was unable to pull up my file since it was so long ago. This has been quite frustrating, as I have not missed a payment on my mortgage.
I contacted Discover student loans for a student loan for my daughter which I was going to co-sign. They asked how much I make, but also asked how much was in my savings and retirement accounts. 
I 'm a XXXX so I only make approximately {$15000.00} a year but my FICO score is XXXX ( which I would say is better than most ). 
The form also proceeded to ask what my savings account had as well as my retirement account. I told them {$20000.00} in savings/money market and {$300000.00} in retirement. 
Well, it came back with a 8.990 % loan figure which is ridiculous. 
I proceeded to contact the bank at which time they basically told me that the only things they look at are the income and the FICO score. So I asked the girl that was helping me why they asked the questions about how much money I have and she did not know. She even put me on hold for a few minutes and came back and still did not have an answer. 
At that point, I asked why do they even ask the questions about how much money we have in our accounts if you are not even going to consider them, and she did not have an answer for that. I then told her that the bank needs to take those questions off their form if they are not going to use them as a basis for the loan. She really had no comment except she said she would pass the suggestion on.
I am age XXXX and have spent XXXX days trying to call and email paypal in reference to the attached charges Please note that paypal is charging me and blaming my bank for " declined direct debit payments '' during a specific time period last summer. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- according to XXXX Bank -- this is 100 % FRAUD and never happened -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The bank is instructing me to ask for documentation in reference to all the transactions and the reason paypal states that the bank rejected the payment. The bank states they never did anything like that. 

It cant be legal for paypal to charge me and blame the bank with out any further explanation -- -numerous attempts to contact paypal have not had any results. I have been promised email documentation I never received I can not get through to anyone intelligent who will address this.
Wells fargo has lost my paper work for over 5 years for a loan mod. They are now foreclosing on me and I have no other choice but to sell. But they are not letting me sell. they are foreclosing! I have asked them for a HAFA short sale but they are selling my home. I have attached my hardship letter and other documents for your review. I would like to be at least considered for a HAFA short sale. It has taken them so long they want me to pay for their mistake in loosing my documents for what I got behind with. it 's their fault. I have a real estate agent who listed my home yesterday. 

Please help me.
I have disputed an inaccurate debt that is not mine on 4 different occassions with XXXX for $ XXXX.I have neverdonr any business with the company that XXXX is representing.
I transferred a balance that is supposed to be interest free for 15 months, I believe. I also make purchases with the same card I have the transfer balance on. Although I pay my purchase total in full each cycle, I am still being charged interest, when the only balance that is left is my transfer balance. When I called to ask how this can be, it was explained to me that basically my purchases made after I transferred my balance over falls behind the transfer balance amount, so in essence I will never pay off my " purchases '' until I pay off the transfer balance ( which is a substantial amount ), since payments are applied to the oldest transaction first. By them doing it this way, I will forever be charged interest on my " purchase '' totals until the full balance is paid. I have since stopped using that card for purchases, realizing the interest is just going to grow, but this seems very unethical to me. Seems like my purchase balance and transfer balance should be kept separate and payments should be applied to purchases first, since that is where interest currently accrues. Is this ethical?
I had a my Best Buy Visa through Citi and it expired on in XX/XX/2018. When I logged onto my account it stated that there was a document for me to review ( I am attaching it to this complaint ). The letter states " We appreciate your business as a My Best Buy Visa Platinum customer. Unfortunately, as the result of a recent review of your account, we regret to inform you that your My Best Buy Visa Platinum account will not be renewed beyond the expiration date on your credit card. '' It also states the the account is in default. So the bank expects me to pay the charges and will continue to charge me interest at a rate of 26.99 % on a card that I can no longer use.
Portfolio Recovery from XXXX, XXXX, XXXX, XXXX. 
Have relieved 4 calls today on XX/XX/2018 alone to work #. It states XXXX XXXX and until yesterday, it had my full name on it. My company can not block them as they spam call from all different # 's. I have been called without picking up 13 times in just the last 8 days. They call from all sorts of spam # 's. I do not ant to answer the call as # 1. I am at work and work on the phone all day. # 2-the debt is past it's statue of limitations and if I answer I will restart the statute from what I understand. I am going to lose my job if IT gets too many more of these calls and it is not worth them harassing me like they have previously telling me to make lunches and sell them to pay my debt to answer to tell them not to call me at work because like I said then I am validating the debt! I don't know what to do. They also robocall my cell # and I have recordings as I started using XXXX to block them on my cell phone as that is illegal but they do it anyways. Please help.
In late XX/XX/2017 a checking account was opened with Fifth Third bank and {$100.00} deposited in via ACH transaction from one of my other accounts. 
My Michigan Drivers License was provided along with my home address I registered for online access and provided a user ID and password. 
This information was auto saved on my computer for easier access. 
A about a week after opening the account I was unable to sign on. Therefore I called and reached the security or fraud dept. 
The male representative said I needed to answer questions to verify my identity. I was asked 6 questions about my past ; example, previous address, mortgage info etc.. All the questions were answered CORRECTLY. I was impatient with the representative due to his tone and I believe as a result the representative retaliated by refusing to take the restriction off although I did correctly answer all the security questions. 
As a result, I had to cancel large deposits to cover payments which ultimately bounced. However, with my account restricted and being unable to get to a branch ( work takes me out of state 4 days a week ) There did n't seem like much i could do. 
For the representative to question my identity is absolutely insane and reckless. My information matches information on all my credit reports and with my drivers license and the fact mail has been received by me at my address ( see attachments ) this representative was simply retaliating and I refuse to allow that.
I opened a checking account with HSBC, followed the step which is depositing {$1500.00} and maintained it within 90 days upon account opening, fine print said after maintaining {$1500.00} within 90 days {$200.00} bonus will be deposited to account after 8 weeks, its been 6 months and 1 week now, bonus was not credited to my account. I call customer service several times action was not taken.
I have been in the process if trying to buy a car. Once I was denied I pulled my credit report. Upon pulling my report I saw numerous accounts that did not belong to me. I was amazed and very saddened that the credit reporting angencies were able to report false information. I have tried and tried to resolve these issues with no good results! Please help! This has been an awful experience and no American citizen should have to go through it! The accounts on my report are XXXX XXXX XXXX ( Which reports twice! ) I have no knowledge if this debt! XXXX XXXX, I have no knowledge of this debt! XXXX/XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX XXXX. I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX ( which reports twice ) I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! XXXX XXXX XXXX, I have no knowledge of this debt! XXXX XXXX, I have no knowledge of this debt! There are several unauthorized inquiries that are in authorized! They are XXXX XXXX XXXX XXXX, ( unauthorized ) XXXX XXXX, which reports twice ( unauthorized ) and XXXX XXXX ( unauthorized ).
Wells Fargo refuses to respond to my previous complaint, which was number XXXX. The complaint was sent to Wells Fargo on XX/XX/XXXX. Currently, there is an auction date of XX/XX/XXXX, and Wells Fargo has not responded to my attorney 's calls. We have been attempting to resolve the pending issue regarding the loan modification approval. I have submitted all documents that Wells Fargo has requested in order to move forward with assuming the existing loan on the subject property ; however, Wells Fargo refuses to cooperate to resolve the issue regarding the approval of the loan modification. Furthermore, Wells Fargo has specified that they do not have to communicate with any of their clients whatsoever. We have been trying to negotiate with Wells Fargo, before they file bankruptcy, and leave their clients in limbo. We are ready to begin making mortgage payments in order to settle the debt on the subject property, but Wells Fargo appears to be very stubborn. The California Attorney General 's office needs to continue investigating this fraudulent and unethical company that has been continuously taking advantage of homeowners. My family and I are ready to resolve this issue, and Wells Fargo needs to negotiate in order to settle this dispute. Finally, there is no unauthorized third party regarding this pending matter. Wells Fargo needs to stop creating fantasies, and deal with this dispute in a sound and reasonable capacity.
Applied for income based renewal within the time frame giving them at least 2 weeks to process it before it returned to the whole amount. I have it in automatic payments and this last payment they took the entire amount of {$670.00}. This caused an overdraft of my account and they will not return the payment.
On XX/XX/2017 I paid XXXX to XXXX accidentally. I immediately called both chase and XXXX card service and they both said the money would automatically bounce back into my account. This has NOT happened. The transaction ID is XXXX. XXXX card services has already investigated this through the consumer financial protection bureau and says that chase is the one who should issue the credit. The initial consumer financial protection bureau is number is XXXX. Please resolve.
US Bank removed XXXX of the benefits of their Club Carlson Premier Visa Card, for which I can book a reservation with points at XXXX XXXX properties and get XXXX night XXXX. 

US Bank refer to this benefit as : Bonus award night exclusively for card members '' '' enjoy all these benefits after paying {$75.00} annual fee. 

They did not offer any compensation for removing this benefit after I paid the {$75.00} annual fee in anticipation of receiving this benefit.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
I entered into a debt reduction program. Cease communication papers were filled out and sent on. I have also sent them messages with the phone number of the credit counseling firm. I asked that they call them instead of me. I am still getting at least 5 calls a day. Sometimes 8 to 10 calls.
Freedom Mortgage paid my house insurance premium of {$750.00} out of the account for my four-plex mortgage. The statement that I can download online shows that the {$750.00} was deducted and then credited, but there is no actual balance that reflects this. The escrow account disclosure statement that was mailed to me XXXX attached ) shows that the {$750.00} was deducted, but not credited. The accompanying balance on this statement reflects the {$750.00} deduction, but as mentioned, there was no credit back to this balance. 
I asked for documentation that shows a balance to clarify this. Freedom Mortgage has sent a statement with the deduction and credit of the {$750.00}, but were hiding the balances. I responded within their email system asking for documentation of the credit with the corresponding balance. They responded that I did not have authorization for such information. 

After multiple phone calls and emails, representatives are unable to answer what has happened with my account and they refuse to give me the information that I am requesting ( i.e. the debit and credit of the {$750.00} with the accompanying balances XXXX. They are definitely trying to hide something.
I have a Walmart credit card with a {$500.00} dollar limit. I have always paid my bill on time. In XX/XX/2016 they lowered my limit down to {$400.00} dollars without any notice. I thought it was fraud on my account because I did not receive a lettering in the mail, no email not even a phone call. So, I contacted Walmart that 's how i found out my limit was lowered. I ask if they can notify me if this happens again. They did it again in XX/XX/2016. lowered my limit without notice. I was in the store in line paying for my item and my card rejected. I felt so humiliated when my card declined, i had my children with me. I called Walmart and they lowered my limit again without any notice. I never gave Walmart auth. to check my credit report. My credit report has not changed since I had this card. So this is why i am confused as to why they keep lowering my limits without notice. This is also leaving a negative rating on my credit report. I have never paid late on this card. I an not understanding how this can be legal. I am trying to get a loan for starting a new business and this is negatively affecting my credit. Please help!
My line of credit was being modified in XXXX of 2016. The modification was complete on or about XXXX, 2016. During this period I made payments. My bank - PNC Corp however reported that I did not pay and that my loan - line of credit was delinquent. I reported this to the credit reporting agency as well as PNC bank. So far it has not been resolved as I have gotten the run around by PNC transfered to several people then back to XXXX XXXX, PNC bank rep.
On XX/XX/XXXX my husband and I entered into a WI 128 amortization of debts. On XX/XX/XXXX a court order was entered stating that all debts are paid in full and satisfied. The creditor is continuing to report unpaid balances to the credit bureau which I assume is attributed to poor record keeping or illegally continuing to charge interest as the 128 plan prevented any more interest from accruing. I have disputed this through the credit bureaus 3 times and the creditor refuses to remove balances owed from my credit report.
XXXX/LenderLive wrongfully charged me a late fee for a payment that arrived to their facility prior to the XXXX of the month. When I contacted the company, I received different answers from different people and was left on hold for long periods of time when I asked to speak with a manager. Additionally I had to call several times to get the issue resolved. This issue has occurred more than once and is starting to become a monthly chore.
I am a victim of identity theft. Someone stole and used my personal information and obtain a state drivers license with my picture on the license and with a date of birth of XX/XX/XXXX and opened up a fraudulent and unauthorized checking and money market savings account with Bank of America. I was incarcerated at the time the fraudulent accounts was opened. Please review attached documents. My date of birth is XX/XX/XXXX. The checking and savings account that was opened in my name with Bank of America is fraudulent and unauthorized.
I have been paying my mortgage religiously ( even when i was XXXX by the Government ), we refinanced our VA loan in XXXX XXXX and were told that our payment would not be due until XXXX XXXX ( which we made ). Never paid much attention to our credit report because we were n't making any purchases ( houses, cars, etc ) but when my car went belly up i was surprised at my high interest rate on my car loan ... .so i had my credit looked at by a financial planner friend of mine. 

And low and behold, LoanCare " services " filed on me not paying my loan in XXXX XXXX, my credit score dropped almost XXXX points and has caused my car loan rate to be higher and blocked the ability to buy another house if i wanted to in the next 4 years.
Nationstar Mortgage used my escrow account to pay property taxes which were not to be escrowed. The mortgage states I am to pay the property taxes out of pocket. Now, Nationstar Mortgage is raising my monthly payment to increase the amount of the escrow account. This increase is to happen for the next two years or I can pay {$1000.00} up front costs. I believe Nationstar Mortgage should reimburse my escrow account for their error and take the loss. If this would happen, my escrow account would be in the postive.
I started a lease with GM Financial. I put the lease payment on auto-pay so i can avoid late fees which is the reason for auto pay. It turned out it was only good for 6 months which is something i never heard before, and the representative i spoke with never mentioned that either. When the 6 months passed i was not reminded in any way that the auto pay is no longer there and my account was late for three months. I never got a single phone call from this financial company telling me that my account is past due and asking me why am i not making payments. My credit was perfect before i started the lease with this company and i had 100 % payment history ( i have 3 cars under my name and none of them ever gave me a single problem except for this one ). Also it shows different amount for the payment online and different amount on my paper bill. then i called them they didn't want to help me to remove the late payment that went on my score because of their system and told me it was my fault. i made the payments with the representative and then went and created a new auto-pay for another 6 months. Now I get another late payment on my credit score and my account is on auto-pay. So i do not know what the problem is with their system but because of them i have 4 late payments on my credit history which is bothering my business and my whole life because i get rejected from everywhere I apply. the amount is very little it is only {$140.00} dollars and some change ( which is really no problem for me to pay on time ) I have a lot bigger bills and I am always on time but because of their confusing system i have multiple late payments on my score.
XXXX XXXX spoke with respentstive in reference to fradulaent account on credit report. Representative advise me that the negative report will be removed from credit report and the report is still on present showing negative and it will not let me dispute due to inaccurate and the company not being able to prove when the services was conducted. I want this negative report removed from my credit report.
I spoke with someone representing the company Bridgecrest on several occasions and told them not constantly call all day and night. They call from different numbers back to back. They aggressively call my place of employment informing them of my personal business pertaining to the vehicle and demanded to speak to me. They are constantly harassing me morning and night even after making payment arrangements. It 's very stressful and humiliating.
On XX/XX/XXXX I called XXXX XXXX, XXXX, Experian to report that I show some hard inquiries that Ive never approved I dont even know who these companies are and asked them to send me documents that I have applied for these services. They stated that they dont have the proof of my consent so I asked them repeatedly to remove these items and they refused to help me just stating that I need to call all of these companies and get the verification and then send it to them. I filed an investigation online and still they sent be forms stating that they dont have proof they need me to contact these companies to get the proof and send it to them. What is the point of even filing an investigation. The worst part is I have fraud alert on my account because I was an victim prior and I placed my number so before anything is approved or ran I am to get a call which guess what it was never done. Once again they dropped the ball and did not protect me. I have worked so hard on my credit and to see it being taken advantage of is really heartbreaking my score has dropped maybe 20-30 points from this.