WillisBack/dataset-financial-user-claim huggingface dataset:
There was not an accurate prompt to describe this problem, so I did the best I could. 

The Consumer Finance Protection Bureau should investigate and take any necessary action against Equifax for what could have been lax security protections for consumers ' personal and highly sensitive information, and for keeping news of the breach from the public for an extended period of time. 

If Equifax can not keep consumer information safe, then they do not deserve to have such information, and should be out of business. 

Additionally, consumers concerned about the security of their information in the wake of this breach are being prompted to enroll in Equifax 's monitoring program. The enrollment agreement for this program includes a limit of liability and an arbitration agreement including a class-action waiver. This clause is a detriment to consumer safety. 

Please, help protect consumers by holding this company accountable and liable for the breach and fighting against its class action waiver. 

Thank you.
I filed a complaint with CFPB and Bank of Amerca has modified their response with more information they failed to disclose at any previous time and altered the timing of their actions to better support their explanation. The Bank 's responses are factually incorrect. Further, they have ignored providing the information which speaks to actual events. This information is available but Bank of America will not address the information because it will not support their explanation. This complaint is a new complaint which states Bank Of America has changed facts, failed to provide information in support of their actions, and is dishonest in addressing complaints. This complaint speaks to the CFPB ability to protect consumers when the bank alters the information to cover up their errors. If this kind of behavior is left unchecked no consumer will be protected. This kind of action will actually create a bank more likely to abuse consumers. A bank confident that they can act in whatever fashion that suits them because no one can create any penalty or harm.
My information was exposed during the Equifax Data Breach. Shortly after being notified of us, I noticed 5 separate accounts listed on my XXXX, XXXX and TransUnion reports which were the result of misuse of my sensitive personal information. I promptly filed an ID Theft Report ( including 3 separate police reports ) with these credit bureaus. The information was sent to XXXX using XXXX Tracking XXXX. Sent to TransUnion using XXXX tracking XXXX. And sent to XXXX via XXXX XXXX Mail XXXX ( i do not have the tracking offhand ). In my identity theft report, it stated that these accounts were the result of the misuse of my sensitive personal information. I included a copy of my birth certificate, my New York State Issued ID, XXXX Card and proof of my address. I asked for these credit bureaus to block all of the fraudulent information from my credit reports. TransUnion complied almost immediately although all of the inquiries on my report are a result of fraud which they did not remove. I followed up with a letter with TransUnion but have not heard back at this time. XXXX and XXXX removed one of the accounts but 4 of them still remain. I am filing a complaint because I do not believe that anybody should have fraudulent information appear on their credit reports. It is not fair to anyone.
I applied for assistance in saving my home by hiring an attorney who faxed my fully executed and complete financial package to Wells Fargo Home Mortgage on XXXX XXXX, 2015. My attorney confirmed Wells Fargo Home Mortgage received my application on XXXX XXXX, 2015. 

On XXXX XXXX, 2015 Wells Fargo Home Mortgage via XXXX XXXX XXXX filed and recorded a Notice of Sale on my property. The sale date was originally XXXX XXXX, 2015 and was extended to XXXX XXXX, 2015. 

On XXXX XXXX, 2015 my attorney confirmed Wells Fargo had denied me for a loan modification. My attorney has requested a copy of the denial letter and NPV chart as we believe an error was made in the review. As soon as we have a copy of the NPV chart my attorney will appeal the denial. However as of today Wells Fargo Home Mortgage states my home is still set to foreclose on XXXX XXXX, 2015. 

See Attorney 's note:XX/XX/2015 XXXX ( PST ) XXXX XXXX & XXXX XXXX Spoke to XXXX. XXXX said sale date is still set for XXXX/XXXX/15. He transferred me to foreclosure dept. XXXX XXXX she said sale date is still set XXXX/XXXX/15. She asked if we sent in appeal. I told her we have n't received denial letter or NPV so how can we send an appeal. She transfered me back to Loss Mitigation XXXX XXXX said we are under protective status and he agreed that sale date should be pushed out at least until XXXX/XXXX/15. He put me on hold to try to get a hold of the foreclosure dept and we got disconnect. 

Tomorrow will be XXXX business hours before my foreclosure date. Per CFPB Regulation x ( 1024.41 ) I am allowed 30 days from the date of the denial to appeal my review. XXXX XXXX, 2015 falls before my timeline to appeal. Per my attorney Wells Fargo is not supposed to move forward with the foreclosure sale date until # 1 ) I have advised WFHM that I am not going to appeal or # 2 ) I have appealed and my appeal has been denied. 

If you look at the attorney notes ( above ), even Wells Fargo staff itself states by law I have until XXXX/XXXX/2015 to appeal and no foreclosure should be scheduled at this time. 

I am demanding Wells Fargo confirm the sale date has been post phoned. I plan on appealing my denial. This is in violation of Regulation x.
Following the news of the recent Equifax security breach, I went on the company 's own website ( exifaxsecurity2017.com ) and after putting in my last name and last 6 digits of SSN, it reported that : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' This includes : Name, Social Security #, Address, Birthdate, etc The company mishandled my information, which puts myself an millions of other people at risk. Additionally, they did not notify anyone quickly enough about this potentially life-damaging breach to millions of consumer 's personal and financial information.
Was living in a home that was being managed by XXXX XXXX Rental Address : XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX we complained of smelling mold in the home. they had people to come out to try to fix the problem with no success. we gave them 30 days notice informing them we could not live in the home due to smell since we had children. they tried to make us stay until they found a new tenant. due to our safety we left after 30 days of finding a home and they put this on our credit without us knowing
To whom it may concern, Im filing a complaint against my mortgage servicer Cailber Home Loans (CHL ) due to multiple foreclosure violations that relate directly to the National Mortgage Settlement (  NMS ) which is the largest consumer financial protection settlement in US history. XXXX XXXX XXXX My loan is owned by XXXX ( XXXX ) and being serviced by CHL, which means automatically by default CHL, is obligated to follow the terms of the NMS of XX/XX/XXXX. 
Under the terms of the NMS, which involves CB, it is prohibited to move forward with foreclosure  while in possession of a full loan modification request package. On or about XX/XX/XXXX, a full request package including all applicable financials and other requirements was faxed to CHL, and confirmed that it was received by unknown agent of CHL, XX/XX/XXXX. As of XX/XX/XXXX, CHL advised me that a sale date was still pending and that it was too late to review me for modification assistance because my pending sale date is within 37 days of my request. This is untrue, because the documentation was submitted in time for a review however CHL, has not timely uploaded my documents and as a result my family and I are paying a steep price for the error or oversight of CHL. These violations of abuse also infringe against homeowners rights laws which govern the State of Indiana. We are also filing complaints with our attorney general XXXX XXXX and Indiana Department of Financial Institutes commission for lender fraud and loss mitigation abuse. National banks were required to regularly report compliance with the settlement to an independent,outside monitor that reports to state Attorneys General. Servicers had a duty to pay heavy penalties for non-compliance with the settlement, including missed deadlines. Furthermore per the CHL, has also failed to adhere to a settlement conference, which is a face-to-
face meeting with the lender to work out a foreclosure prevention agreement. ( Ind. Code 32-30-10.5 et seq. )
I set up payment plan and yet they keep calling everyday. They had told me the calls would stop as long as I make reoccurring payments. So I called them back to find out why the are still calling me and turns out my payments is going to them and not the company I owe. I had to talk to XXXX different representatives and XXXX had told me XXXX so I asked to speak with the manager who proceeded to call me uneducated because they lied and did not explain very well to me where my payments are gong to. They were all very rude and unprofessional. The first guy I spoke with demanded my card information. The " manager '' literally had me crying with how rude he was. And all XXXX of them would talk over me and then yell at me if I tried talk. I had to call my bank and tell them to unauthorized the transactions since they would not do it. Ummm is that even legal?!?!?!. I do not trust them whatsoever. And to make matter worst when I called XXXX they told me they should not be taking that much money for themselves. Horrible company, how are they even in business?!
I checked My XXXX XXXX and just noticed that there are two hard inquiries on my credit that I did not authorize in 2017. 

One is from capital one in XX/XX/2017 and the other is from XXXX/ XXXX XXXX , Florida in XX/XX/2017.
For 4 YEARS NOW I HAVE SENT IRS release FORMS, HIRED AT MY OWN EXPENSE CREDIT REPAIR COS, AND WRITTEN LETTERS, iNSTEAD OF HELPING ME, THE MATERIAL IS ADDED ERRONEOUSLY AND IS WORSE THAT NEVER.NOW i MUST TAKE A STAND AND ASK THAT ALL 3 COMPANIES REMOVE LEIN INFORMATION ( WHICH CAME ABOUT WHEN i WAS IN HOSPITAL BATTLING XXXX AND COULD NOT BE REACHED ) WHEN ON MY FEET, i CALLED AND ALL WAS PAID OFF.i HAVE LIEN RELEASE INFO FROM XX/XX/XXXX.i LOST MY HOME IN HURRICANE iRMA AND NEED TO RELOCATE* AT GREAT EXPENSE TO ME, A XXXX YEAR OLD.ALL LOAN applications STOP AT LIEN - DO NOT EVEN READ print.AND 1 CREDIT REPORTING AGENCY HAS DATES AND ALL WRONG.iF IN DOUBT GO TO XXXX  COUNTY, FL COURTHOUSE AND SEE WHEN RELEASED.i PAID XXXX XXXX DOLLARS OUT OF POCKET TO FIGHT AN ILLNESS AND OBSERVED LOTS OF HARDSHIP-..i NEED A BREAK. THE XX/XX/XXXX XX/XX/XXXXIRS INITIATIVE STATES FRESH START.i GOT WELL AND PAID..PLEASE ** HAVE ALL 3 AGENCIES REMOVE ANYTHING REFERRING TO A LIEN.iT 'S PAID AND MISCONSTRUED EVEN BY CREDIT REPAIR .tAKE ALL OFF..iRS STATES THAT CUSTOMER MUST FILE FORM XXXX i HAVE DONE THAT TWICE AND THEY RE ENTERED again dates etc.INCORRECTLY..TAKE ALL OFF..SO i CAN START MY LIFE AGAIN- need a home loan.. HOME IS ravaged ..THIS IS A GREAT HARDSHiP TO ME WHO FOLLOWED ALL THE RULES..XXXX  XXXX XXXX XXXX XXXX XXXX, fL XXXX, XXXX XXXX XXXX..THANK YOU XXXX XXXX and staff FOR HELPING ..*XXXX XXXX WHO DOES NOT DESERVE THIS ( there was no box under military for XXXX.My husband is XXXX just me living )
XXXX is trying to collect a debt and I am in good standings with the company and have been for sometime now. When I restarted my service I was told that my debt has been taken care of and I continue to this day to be in good standings with wind stream communications. Thank you XXXX XXXX
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX ss # XXXX dob XXXX Inaccurate Reporting of XXXX XXXX in bankruptcy on my report A XXXX bankruptcy must be listed accurately in my credit report. 

the Dates and court numbers the high balance and the payments are incorrect I demand you show me the following Method of Verification : ( a ) The name of the courthouse ; ( b ) the person 's name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ( e ) the documentation used to verify the information.
Premier Credit, a debt collector for the Indiana Department of Revenue, was tasked with collecting a tax warrant in the amount of {$4700.00}. They garnished my wages and received all but {$900.00} the amount owed. Even though they had confirmation from my employer that they would honor the garnishment order, Premier Credit proceeded to levy my bank account for the full {$4700.00}, as if the garnishment order had not been made and received -- which my bank immediately transmitted to them by cashier 's check, without prior notice to me.. Premier admits it overcollected, having received almost XXXX the {$4700.00} owed,, but refuses to refund the difference to me or my bank. They said the large overpayment, though recognized as such, will be submitted to the Indiana Department of Taxation, even though the Department only authorized them to collect {$4700.00}. A debt collector can not legally charge and retain from a debtor, more than its creditor is owed, yet that is exactly what Premier Credit has done. This is oppressive and unlawful conduct, in violation of the Fair Debt Collections Practices Act, but Premier 's policy is NEVER to refunds collected in excess of legal authority and to remit all such overpayments to the Department, to the detriment of taxpayers across Indiana.
I received a collection bill from XXXX. They are stating that I owe them XXXX due to breaking a contract, when I wasnt under a contract. I lived in XXXX for 3 years. During that I time, I used XXXX for internet and cable. I moved to TN  and XXXX does offer services in this area. When I spoke to XXXX, I asked from a copy of the agreement that I supposedly made but didnt hear back from them. They sent the collection notice to Credit Management in XXXX, TX.
We are in a Hurricane Irma XXXX designated area ( XXXX XXXX XXXX XXXX FL XXXX ). 

We applied for and were granted a deferred minimum payment grace period on our XXXX credit card ending in XXXX. 

We have not received any payment deferment as of today XXXX Sunday, XXXX XXXX, XXXX ). When we call XXXX XXXX XXXX at XXXX XXXX XXXX the XXXX representative is not able to help us resolve the issue for deferred minimum payment. 

Thanks. 

XXXX XXXX
Refer to case # XXXX. Update : at my request due to distrust with Discover ( 30 year customer ) it has been found the issue was with them never changing the address and have notations as I do with all accounts showing address change request etc. After many months and hours and a file over an inch thick, XXXX XXXX XXXX has ask me to send him the information showing the address change exercise ... ..with so many hours in and conversations I first was not going to waste my time but have decided to do that and will before year end. Account has been closed at my request and notified all the credit reporting agencies, but ... ... my FICA score was never changed back and apparently from what I have been told, can never be changed even if it was not my fault! Now I am wondering with what has been discussed with the CFPB they protect the company, not really the consumer based on information recently discussed on TV from the 2008 leadership? I will also tell you this whole issue ( so XXXX looking back ) was presented and will continue to be presented to consumers and have been told a few have already contacted Discover telling them they will no longer use their accounts. This whole issue has been so disturbing and has awakened so many people ... ... ... a 30 day late payment in 30 years was given to credit reporting agencies when in fact that issue was Discover 's problem being they never changed the address! Consumer suffers. That is wrong, someone is protecting someone!
I first contacted equifax by phone to dispute several inquiries on my credit report and I was n't allowes to dispute the inquiries by phone. I was told I could dispute them online or in writing. I disputed them online and the investigation was completed the same day. I was told that the inquiries were factual. The inquiries on my rwport werw not the result of any request made by me. They did not investigate my dispute. I also contacted the creditors to have them removed and they directed to request the inquiries be removed by the credit reporting agency. Tge inquiries are affecting my credit standing. I understand that inquiries that I initiate will remain on the report. I only want tbe ones that were not initiated by me removed. 
Thank you and I wiuld appreciate assistance in this matter.
I have a XXXX XXXX store card issued by XXXX Bank. This bank doesn't provide auto payment feature on purpose and rips people off on late fee even if they are late by one day. I have requested that they provide this feature as this is a minimum standard every credit card company provides and it is extremely difficult for people to remember that they have to make this one credit card payment manually every month.

The company just keeps on ignoring the complaints and continues to rip off people on late fee by NOT PROVIDING THIS FEATURE on purpose. 

I strongly feel that they business model is to make money out of late fees. 

I request that CFPB looks into their business practices.
It is a scam to collect personal information. After they realized that I was not gullible they said it was a mistake and they promised to remove me from the mailing list. I will send the notice of debt as an attachment.
On XX/XX/XXXX, I sent a request for mortgage assistance to my mortgage servicer, Caliber Home Loans , Inc.. They received my request but told me that my request was incomplete and requested I send the more paystubs and bank statements. I promptly sent the requested documentation. A short time later I called Caliber and they informed me that my request was complete and I was being reviewed for a modification. Next, I received a Notice from Caliber 's attorney that they were foreclosing the mortgage and auctioning my house off. I repackaged my modification request and resubmitted everything to Caliber on or about XX/XX/XXXX. Caliber requested additional documentation in the form of bank statements and paystubs which I prompty sent to them. They acknowledged they had a complete package for loss mititgation review and postponed the forclosure scheduled for XX/XX/XXXX to XX/XX/XXXX. At the end of XX/XX/XXXX, I once again called toncheck on the status of my request and was told by Caliber that my request was not complete and that they were moving forward with the foreclosure in complete contradiction to what they had told me in XX/XX/XXXX when they agreed that my package was complete and postponed the foreclosure sale. 

I believe that Caliber Home Loans, Inc. does this type of " bait and swkitch '' tactic routinely to its mortgage servcing customers and they should be punished for this type of dispicable behavior. I am certain that my case is not an isolated incident and I hope that the Consumer Financial Protection Bureau will throroughly investigate my complaint so that Caliber will cease doing this to me and others affected similarly.
A couple of years or so ago, I attempted to understand better how to make principal-only payments on my student loans that are handled by Navient. After a lengthy conversation with the service representative, I was told that there is no effective way of making a principal-only payment even in the means by which the  Navient  website describes. The only recourse was to submit a special  XXXX  spreadsheet with a specific date and amount that was designated for principal only, and mail was the only means to accomplish this task.     Because of these obstacles, I chose to continue paying my student loans via the regular way provided conveniently on the Navient website which allows for easy auto payment, but not much else. Even when I would make several  XXXX  dollars extra in payments per month to try to have extra money count towards principal, only about  XXXX  % would be applied to principal, again, with no way of effectively directing the payments as I desired to pay off my loans in accordance with the advice of every  financial advisor I h ave spoken with ( i.e. pay extra towards principal whenever possible ).     Their tactics of making the principal-only payment so prohibitively bureaucratic are obvious and they do nothing to help me or my family be debt-free any sooner than Navient can keep us from doing so. Please help me, so I can pay off my debt.
I advised Ocwen that I received a loan modification approval with my XXXX lien holder. I called them for three days straight and they said I had to come up with the total due to reinstate loan, I expressed that I wished to modify as my first did and they said that it was too late that they had to have a package in 7 days prior to sale date. I found out that was untrue and that XXXX and XXXX are exempt from that rule. Had I been told the truth, I would have done everything I could to get a packet to them. The kept putting me on hold, saying they would try to escalate file and yet they did not and lied to me. I want the oppurtunity to stay in my home and continue with my modification trial months with my first and work out a modification with my XXXX yet the sold my property.
Immediately after purchasing my XXXX home in XXXX, my mortgage loan was sold to LoanCare in VA. Since then they have put me through the ringer for trying to lower my monthly payment, knowing full well they were overcharging me for a small home in FL. I spoke to no less than XXXX people during the month of XXXX ( beginning on the XXXX and ending on the XXXX ) to do just that attempting to do the right thing in following all of these people 's directions. They were extremely inconsistent in that each person I spoke with had a different take on why I could n't achieve the desired result. I first paid {$1700.00} for the month of XXXX, then {$1500.00} for the month of XXXX, then finally {$1300.00} for XXXX and, which they say, will remain the payment going forward. They insist part of the payment go towards homeowner 's insurance which I already paid in full for the year XXXX XXXX XXXX XXXX ). They will NOT refund me that payment and continue to extract that from me. In addition, I also prefer to pay my own taxes, but they refuse to delete the escrow account ( claiming a ridiculous fraction of an amount between loan and equity ratio ). I can, and have, paid these XXXX items on my OWN and prefer to do so.