WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax carelessly handled my data, which was part of the recent hack. I 'm disgusted that such for-profit companies are allowed access to some of my most vital data, and that to be a functioning adult in society I have no choice but to yield my data to them. Shame on them for not taking better measures to protect consumers. Shame on our legislative bodies for not divising a modern system to replace the antiquated social security number. I urge you to hold this company accountable for their actions. The harm they 've done is immeasurable. Those in charge need to be in jail for a long time.
Discover Card : XXXX As it appears on account : XXXX I have just been made aware of these charges. Discover claims they have me signing up for the service in XX/XX/2010. Through a verbal agreement. I do not recall signing up for this service nor can they provide my with a recording of the agreement. 
Since XX/XX/2010 until present date an estimated $ 3,800+ dollars have been paid out to this protection service. 
I asked for proof of the contractual agreement and they can not provide me with it. 
And as I stated I do not recall signing up for it.
Received a phone call about a collection for  XXXX , contacted  XXXX  over the phone,  XXXX  stated no account was active and or open, requested from  XXXX  written information on account, was not able to receive information, because nothing was on file. Disputed account with  XXXX  back in  XXXX  over phone service which was provide and did not meet customer approval. This collections appeared on my credit report,  Diversified Consultants INC. Disputed collections, requested a settlement agreement with paperwork over the phone in a  conversation with Diversifi ed Consultants Inc . Th is conversation took place at my home in  XXXX    XXXX  , requested paperwork to prove nature of collections either by  XXXX  and o r Diversified Consultants Inc . I was not granted the paperwork for proof of debt and or billing statement being disputed from  XXXX  and or  Diversified Consultants INC. Re questing this company removed from my credit report any debt collections, we reached at a settlement and paid on  XXXX  the amount of  XXXX  $ I was told this would be removed from my credit report, however  XXXX  could request the addional  XXXX   . And could turn this over to a debt collector. Requesting an investigation,  XXXX  who hired this  comp any Diversified Consultants Inc. To  collect a deb, I need to know this is a true collections agency seeing nothing is listed in the State of Wisconsin  . I also  want this removed from our Credit report from  XXXX    XXXX  , all debt collections seeing we were not able to receive information on billing debt from both parties. Note we have been in contact with  XXXX , and requested to settle with  XXXX  directly, however no information was on file at  XXXX , Since  XXXX  we have been disputing and requesting data from  XXXX , which  XXXX  was not able to provide, In closing I would like a response to this investigation.
I found a Bankruptcy reporting on my consumer report with Lexis Nexis, I sent a letter requesting documentation bearing my signature. I received back a letter stating it was verified with no documentation of verification. 

I then sent a second request demanding per FCRA SS 611 ( 15 U.S.C ss 16811 ) description of procedure used to verify and under rule Bankruptcy Rule 9037 in addition to a " personal identification of prmation defines as individuals social security and taxpayer identification numbers, names of minor children, last 4 of SS and dates redacted. Therefore the claim of verified is in violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the dispute information, also in violation of Section 5 ( a ) of federal trade commission act ( 15 USC ss 45 ) which prohibits " unfair '' or deceptive acts or practices. Lexis Nexis replied with disputing on my behalf with XXXX. I am disputing Lexis Nexis in their  reporting of a bankruptcy on their report they hold under my personal information. 

Lexis Nexis can not verify a bankruptcy through a 3rd party, I am entitled to have the name, address and phone number of the PERSON who responded back with verification per FCRA Section 611 ( a ) ( 2 ) this can not be done and therefore it must be removed from my report with Lexis Nexis.
I originally borrowed a total of {$7500.00} ( {$2500.00} on XXXX/XXXX/XXXX and {$5000.00} on XXXX/XXXX/XXXX ). These loans were serviced through AES ( American Education Services ). As of XXXX/XXXX/XXXX I have paid a total of {$6600.00} and the loan balance is {$6000.00}.
I submitted proof to XXXX that my loan with Citibank was paid in XX/XX/XXXX. The loan was initiated in XX/XX/XXXX. Citibank continues to provide the wrong information. Over the past two decades, I have received multiple letters from Citibank, and I have copies of my old, paper-version, credit reports. I have proved in multiple ways that my loan was paid. Nevertheless, Citibank is erroneously reporting that I was past due for 60 days in XX/XX/XXXX. You can't pay a bill in XX/XX/XXXX and have it past due in XX/XX/XXXX. I have asked them to correct this, and they are not choosing to do so. Since the credit agency has records revealing that this should not continue to be on report, they have the duty to correct it. I want either Citibank or XXXX to be accountable ; preferably, both agencies should work toward greater customer responsiveness and business accuracy. My first bank was Citibank, and I chose to stop banking with them entirely in XX/XX/XXXX because they do not appropriately manage their records. I expect this to be fixed immediately, or I will initiate a lawsuit.
My defaulted student loan has been paid in full as of XXXX/XXXX/XXXX with Department of Education. I attended XXXX XXXX XXXX XXXX located in XXXX XXXX, NJ ( original transcript attached ) and graduated with XXXX in XXXX. While attending this XXXX I took out a XXXX loan. The original servicer was XXXX XXXX who transferred my student loan a few times. I made a few payments and later defaulted on the loan. In XXXX the debt was paid and I received a paid in full letter from the secondary agency XXXX. I have sent supporting documentation such as Federal Income Tax return, proof of payment history provided by XXXX, certified original note reflecting the debt in question is one and the same without avail. The contracted agency Account XXXX XXXX XXXX have harassed and dismissed my statements about my debt is paid in full. They Collection agency is currently garnishing my payment with my employer with is a violation. I have paid this debt and they are getting twice for my loan. I am without any help and need guidance and direction.
My lender mailed me correspondence stating that my mortgage payment was due to increase effective XXXX XXXX, 2015, due to increase in tax amount. I disputed this because they were basing my amount from the previous owners taxes and it did not reflect my homestead exemption ( credit ). Called my lender and was instructed to go to my local tax office and obtain the estimated taxes for 2015 and then fax that along with the letter to a number that was given to me for the tax dept. On XXXX XXXX I went to my tax office an obtained the document that was now available. Faxed it directly along with the document that was sent to me from the lender to the number given then called to check that it was received. Confirmed it was received. Was told that it would take a week or so and that the monthly payment would be corrected to reflect the exemption and new tax amount. Was instructed to make the " new higher '' monthly payment XXXX XXXX, 2015 so that we did not default and any overages would be refunded. As of today we still have never been contacted by anyone from Pacific Union Financial regarding are payment issues. We had been in constant contact throughout the month of XXXX with the lender because we had a new baby and our payment was going to be slightly late. We were told numerous times by customer service agents that it was ok, this was our XXXX late payment, no late fees would be added, and any other fees that might apply would be waived. We felt certain all would be fine since lender instructed us that it would be. We did make the payment before the month ended. 
On XXXX XXXX, 2015 called Lender to discuss the payment/ taxes. Was told by CS that nothing could be done until XXXX 2015, which is in direct contradiction to what was originally told to us by the tax department! Asked to speak with a manager immediately, or someone in authority. No one was available and was told I would receive a call back, no one called back. Next day, someone did phone my husband and again said nothing could be changed until XX/XX/XXXX, so he requested to speak to a manager or senior manager to discuss all the issues that we have been having. As of yet, no one from our loan company has contacted us. 
Yesterday we decided to look into refinancing the house to get away from this lender, the XXXX lender I contacted informed us that in XXXX 2015 our lender filed with the XXXX major credit bureaus a 30 day late notice, making both myself and spouses credit scores drop XXXX-XXXX points, putting us into a lower bracket that we now do not qualify for a refinance. This is extremely unsettling considering our lender numerous times as we were in contact with them stated that our account was fine, no fees or actions to the account would be taken. We have been lied to, mislead, and still have open ongoing payment and tax issue with this company that refuses to contact us or attempt to fix the situation, we have no idea what we can do next!
XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,  NC,  XXXX  SSN :   XXXX   XXXX   XXXX   XXXX   Regarding : My  XXXX  file :  XXXX  According to Fair Credit Reporting Act, Sectio n 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifie d accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove all accounts listed below and thank you.  <P/> I am asking for the following accounts to be verified or removed immediately.     XXXX   XXXX   XXXX    /  XXXX    XXXX   XXXX   XXXX   XXXX   /   XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX      XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   .
XXXX has updated that this XXXX account is paid a settled. Whereas XXXX  and Experian has not updated the account as a paid and settled charge off with XXXX balance. Its an XXXX account store card account number is XXXX. Need XXXX and Experian to update comments as paid charge off settled account as XXXX  did
Citicard Corp. continues to decrease my credit as I am paying down my balance, My desired resolution would be to get permission from me to run a credit check continuously when ever they feel they want to without asking. They say they sent me an email but I received nothing and also a text message but again simply not true. I authorized them one time to do this credit check initially to obtain their card I no longer desire to have their credit cards so I am paying them off and closing the accounts. The card company representative had informed me that she checked into this and seen that XXXX credit consumers has this listed on my credit report I did not give them permission to check my credit over and over again without consulting me first.
discover card wo n't dissolve new card account. I closed account and received new card and did not authorize it and it is getting used by someone. 'I did not want it used. I ca n't make them understand to not use this account. 
I 'm also having problems with my other c/cards. My fraud people will go and change my passwords or pretend to be me and authorize my changes when I want to place a hold or try to cancel. 
There has to be a better system in place to keep my accounts safe when someone finds your ss #. I need help.
1. XX/XX/XXXX XXXX # XXXX spoke with me to handle my request for a loan verification to submit to my loan officer for escrow. She said it would be emailed to me in 2 weeks 2. XX/XX/XXXX XXXX # XXXX informed me XXXX sent it out then when she looked again told me they cancelled my request because I did not submit verification forms. Though it was in my upload history she claimed she needed employer verification and I needed to resubmit it. I submitted it the same day. She informed me I would get credit in PSLF payments once they verififoed the employer.

3. XX/XX/XXXX XXXX  # XXXX at XXXX PST told me the forms were received and I should expect an email in 5-7 business days to the email on file.

4. XX/XX/XXXX XXXX # XXXX  informed me that although there were no instructions on the PSLF my form was rejected because it didnt follow the MM/DD/YYYY format for my employment beginning date. This was completed and after uploading it 3 times she finally confirmed seeing it to send in for review with the loan verification request.

5. XX/XX/XXXX XXXX XXXX confirmed my documents had been received and were in review. She informed me to call back XX/XX/XXXX if I did not hear back ( get the email with the loan verification.

6. XX/XX/XXXX I get an email saying section 3 which is the start for employment of incorrectly filled out.

I followed the instructions and I am livid that I keep going through the ringer with these people. This company functions like the loanshark for profit company XXXX. You never get the same person, they dont want to give you a supervisor, no responsibility is taken for their mistakes and they lack professional organizational skills.

This is unacceptable
Diversified Consultants This account showed up and I had proved to them I had already paid the account. It is still listed on XXXX as paid in Full, was a Collection. It never was a collection. It has been paid in full.

The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. Should I not get this resolved in a timely manner and you continue your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I will pursue further action and you may be liable for your willful non-compliance. Failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will then be required to appear in court at a venue local to me, in order to formally defend yourself. Please advise immediately how you expect to proceed.
Greetings my name is XXXX XXXX. I have been trying for weeks now to get Wells Fargo to refund money I sent from my bank account to another account. This all started on the XXXX of XXXX. I sent an ACH transfer from XXXX XXXX XXXX  to my XXXX   account. The money has to go through Wells Fargo to get there. The total amount sent was XXXX. I setup the transfer from XXXX XXXX XXXX online it only took me a few minutes to complete the transaction, I hit send, XXXX XXXX XXXX  sends me the confirmation the transfer is going through and will be sent by next day. Friday came no money was in the account. Monday and Tuesday came still no money in the XXXX account. So I called XXXX for the next 5 days asking why the XXXX had not posted to my account. XXXX does an investigation and they can not find any trace of the money coming to them. So I contacted XXXX XXXX XXXX  and was told that the money was sent and they received confirmation from Wells Fargo that they received the money. I contacted XXXX again and told them the bank sent the money and it should be there. XXXX does a longer investigation for about 1 day and still they could not find the money. I recontacted XXXX XXXX XXXX and they started and looking into it and found out that Wells Fargo was sending the money back to me because the routing number was incorrect. It should be returned to me in about 1-10 business days. 10 pass and nothing from Wells Fargo, I contacted XXXX XXXX XXXX  and ask for a claim to be filed against the money I sent. I called 5 days later and XXXX XXXX XXXX  told me Wells Fargo still has not contacted them. Next I file a claim against Wells Fargo on the XXXX XXXX XXXX website and awaited a response that came. I was told that there wasn't much that person could do to look into the matter and I needed to speak with XXXX XXXX XXXX. It is now now 4 weeks later I am still waiting on a response from XXXX XXXX XXXX  from Wells Fargo and the person who handled the transaction and still no answers. This should not take this long.
my last two payments that were made via XXXX XXXX have not been posted by Ocwen loan processing, yet XXXX XXXX shows they hasve received it
Multiple attempts per day. The phone will ring once and will hang up before I can answer. Wo n't identify themselves when I can answer. Wakefield has used unfair practices on a number of people I know. Including not honoring payments sent towards the actual debt!!! My wife for instance and a garnishment. I never get mail from Wakefield.
On  XXXX / XXXX / 2017  I went to use my  XXXX  Credit Card and was discovered my account was closed and turned over to a collection company and is now reporting as a charge off. I tried to contact  XXXX  and am not allowed to speak to them only the collection company. On  XXXX   XXXX  I accidentall y made two electronic payments. I placed a stop payment on one of them to avoid an overdraft and le t the other payment process through my bank. I notified  XXXX  of my Intentions on the  XXXX  to let them know what I had done. I have never been late with a payment and always pay more than the minimum amount due. The fact that I placed a stop payment should not have caused my account to be charged off as the other payment cleared my bank and was received before the due date and was for more than the minimum amount due. Now  XXXX  is reporting to all  XXXX  credit bureaus that my account is a charge off and non collectable. I have provided all if my bank transactions to them which shows I have never been late in  the two ye ars since opening this. I am asking they remove this from all  XXXX  credit bureaus as it is absolutely not accurate if my payment history.   If you need a copy if my bank statements I would be happy to provide you  with one
I went to XXXX XXXX XXXX XXXX XXXX in 2011 and it ended up being shut down. I originally got my private loan through XXXX which they now transferred the loan over to UAS XXXX and I ca n't afford to make the payments and feel that if Im able to have my federal loans forgiven that I should be able to have my private loans forgiven or some sort of help with this loan.
I have several late payments that are reporting on my consumer report, that indeed I know for a fact was not late, my husband and I got a letter in the mail from XXXX XXXX XXXX stating their were a payment processing errors for certain months and they would contact the credit bureau 's to update those derogatory payments, but it has not been updated yet. The late payments that needs corrected are : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Received a suspicious letter in the mail offering credit to my personally owned XXXX. Letter contains a " card '' with numbers, my name, a misspelling of my company 's name and says call to activate. The card lacks any emblem for XXXX, XXXX, or other processing companies and is offering {$150000.00} in credit at 0 % for 90 days. I immediately recognized it as a scam and am now reporting it.
Yesterday I questioned a company of why there was no refund apply to my credit card but a debit. They reply that I owed them XXXX in 2011 and deducted that from credit card as well as shipping charges. When I asked to see invoice of this charge in 2011 the company said they did not have XXXX. When I asked them to return the money to my card they refuse. I did not authurize this company to collect a past debt only a refund/exchange plus shipping. I do not know the reason for the this charge and I want them to put my money back.
I cancelled my service with XXXX and chose XXXX cable service. I no longer had any contract term and was looking for better pricing which XXXX was able to bundle. Equipment boxes were sent to us and all XXXX equipment was promptly returned. 
I never received another bill from XXXX but rather was sent a collection notice from XXXX ( {$220.00} ) I sent a letter ( attached ) to XXXX who sent a letter back to me stating that they no longer were handling the account ( also attached ). The date of this letter was XX/XX/18, the same date as yet another letter had been sent to me from Sequium, a different debt collector asking for the same debt information. I then sent a letter to Sequium ( attached ) which to this day has been unanswered. I noticed that this false debt is now registered with the reporting agencies. This is clearly a shell game for collection agencies who feel they don't have to respond to consumers. As you can see, I have spent much time and money on certified letters and tracking information but still have no resolve. This clearly is an attempt to simply wear down consumers and just have them pay.

I've never received any details as to what the debt could possibly be. Service was terminated by choice and equipment returned.
My loans are repeatedly sold and resold without my knowledge! I 've been paying ( actually overpaying ) faithfully for well over 2 years now, only to learn that I am in " default '' with XXXX and ECMC because the latter sold to the former ( without my knowledge ) and payments continue to go to the latter. THIS HAS GREATLY AFFECTED MY CREDIT RATING NEGATIVELY and has caused great financial and professional injury. Moreover, ECMC, the lender I came to terms with years ago and continue to send a check from my bank weekly, FALSELY REPORTS A HISTORY OF NON PAYMENT LEADING TO CHARGE OFF STATUS, as does my current loan servicer XXXX. I 've never had any way of knowing that XXXX now services the loan ( s ) until a check of my credit score, EVEN AS I WAS IN DIRECT AND REGULAR CONTACT WITH ECMC, who I had been paying faithfully. Finally, ECMC lied to me when telling me that if I paid faithfully ( no payments missed and on time ) for " 6 months '', all derogatory entries regarding the loans would be removed and loans would appear as " good standing ''. THEY DEFRAUDED ME IN THIS RESPECT AS WELL. They never did what they promised, even as I have NEVER MISSED A PAYMENT and have paid them WEEKLY ( a check every week ), when I was only required to pay them monthly - cashiers checks from XXXX XXXX - ( did this to ensure I would never miss a payment ) .This is unfair, unjust and should be investigated as illegal.
I made an online purchase with a merchant and I did not receive what I ordered. I tried resolving with the merchant ; with no success. Then I disputed the charge with my credit card company to pay the merchant and credit back my card. My credit card company would not submit my request because I did not have computer screen shots of the online order.