WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax has leaked my information in nation-wide data leak. I believe they improperly delayed the disclosure of the event. They neglected to take the proper cybersecurity precautions. I believe that they are technologically incompetent for the following reasons : 1 ) Lack of third party security audits 2 ) Creating a whole new domain with a completely different certificate authority signing it just to relay important information. This has prompted many fraudlent other domains with the words " equifax '' " XXXX '' and " security '' to be created that will no doubt be used to further defraud its customer base. 3 ) Equifax lacks the modern infrastructure to manage such a large amount of important data.
Additionally I believe they completely mismanaged the situation. XX/XX/XXXX they were alerted to the breach. They did n't even get their new domain signed ( SSL cert ) until XX/XX/XXXX. Why did it take them over a month to begin notifying users? Why did n't they immediately email or mail their affected customers? Why does it become the consumer 's responsibility to go check if they leaked our information?
I have told them on XXXX other occasion to please stop calling my job. They have called again. They also will constantly call my cell number and not leave a message. 
I will sue next time I receive a call at my job.
Federal Law gives me the right to notify DEUTSCHE BANK of errors regarding the servicing of my loans which resulted in the foreclosure of my property. I previously filed a complaint : CFPB # XXXX which is still open. Deutsche Bank has stated they had nothing to do with this loan, and that XXXX is at fault not them. XXXX has hired lawyers and we are in contact with them. They do not represent Deutsche Bank. Deutsche Bank has been " unthruthful '' to both the CFPB and XXXX XXXX. Find attached the recordings made at the recorders office in XXXX, California showing their involment in this FRAUD. I am requesting full accounting regarding this loan and requesting CFPB take a look at all prior letters from Deutsche Bank for more violations.
Within the company 's " Amex Offers '' XXXX, they list an offer with a headline that reads : " Spend $ 500+, get XXXX Membership Rewards points ''. The listed merchant is amextravel.com, which implies that all purchases made at amextravel.com should be covered. They then allowed me to enroll in the offer without the display of any further terms on their website. Because of this offer, I went on to cancel a flight that I had with a different credit card in order to re-buy the flight with my XXXX XXXX XXXX Card instead. This flight cost {$620.00}, which is above the limit required for the offer. After not receiving the XXXX bonus points, I went back to the offer and noticed there were very materially important terms left out of the headline. Specifically, I had to spend the {$500.00} on hotels at amextravel.com. This was never made clear to me before enrolling in the offer and canceling my flight with another card in order to earn the reward. This seems entirely misleading to me. There was no way for me to know that this would only work on hotels when I enrolled in the offer, and it forced me to make a significant financial decision because of it.
I had XXXX about XXXX years ago in 2011. I canceled XXXX I was all paid up and sent back their equipment and that is what they are charging me for. I sent it back and I do n't owe them anything.
Hello, I had an account with XXXX back in XXXX. I failed to pay. Now 6 years later, ERC has been harassing me with calls at all times. And now i have a collections on My credit report that was never there ALL these years. The lady is rude and continues to say im sure you have been working and can pay this Off already, aggressively. And talking really XXXX.
Midland Credit filed a docket on me at the XXXX Couty court house in XXXX XXXX, on XX/XX/2015 Had my attroney call there attroney, wrong phone numbers on dockets. Look her up to find her phone number on her, My attroney talk to her she said her computer was down that day and would call him back, He called again and left messages several times to call him back. Still no response. I sent her a certifed letter for her to please contact my attorney & send all documents to verify the debt. I reported their attorney to the Fla Bar. I looked up this fake company on XXXX XXXX XXXX. The Company is not real. Have all documents
I requested a investigation into a falsely reporting tradeline with equifax , they received the request XXXX XXXX, as of today its been 37 days with no response from Equifax.
XXXX XXXX XXXX credit of XXXX dollars which I applied for went into my husband account on XX/XX/XXXX I was told and show I was only have to pay the principal and a interest of XXXX dollars they caused me to loose everything buy lieing to me and threating me with lawsuits and jail time can u please help withdraws from XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
On XX/XX/XXXX approximately XXXX I spoke with XXXX XXXX and XXXX XXXX ( Who stated that she was the Transunion 's supervisor of the fraud division ). I advised both that I had several inquiries on my credit file that I did not authorize. XXXX stated that transunion does not control what is reported on the credit file and that all inquiries are facts and the creditor has permissible purpose. I advised her that the creditors do not have my written authorization and I wanted a dispute of inquiries filed in order to get the inquiries deleted.The creditors in question are not required to provide transunion the authorization records is what I was told. They are committing an illegal act and violating my FCRA rights by refusing to investigate and remove inaccurate information. I provided the credit bureau with the police report information and item numbers back in XXXX of XXXX stating that I was a victim of Identity Fraud twice. 1 of the police report item numbers mentioned is XXXX. The inquiries in reference are : XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX & XXXX XXXX XXXX XXXX - XXXX XXXX XXXX/XXXX  - XXXX XXXX XXXX/XXXX - XXXX XXXX XXXX/XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX
sears.com refuses to credit full amount for their 30-day Price Protection original purchase on XX/XX/XXXX {$1000.00} price on XX/XX/XXXX {$870.00} credit to date of {$120.00} leaving an amount due of {$32.00}
Southwest Credit Systems is reporting a collection account on my consumer reports related to a debt that they have no legal authority to collect on. The debt in question was paid in full to the original creditor, XXXX, and Southwest Credit Systems has no legal standing to engage in collections activity on this account. Following my payment to the original creditor, Southwest updated my consumer reports to reflect a " Paid '' status despite the fact that I have never paid Southwest Credit Systems for any debt, nor have I ever acknowledged any ownership of the debt they claim was owed by me to them. 

Additionally, Southwest Credit Systems has engaged in repeated violations of FDCPA legislation. They have never mailed ANY documentation to me as required by FDCPA 809 which would have allowed me to dispute the alleged debt. Then, they refused to provide proper validation of the alleged debt following my written correspondence to them sent Certified Mail, Return Receipt Requested on XXXX XXXX, 2015 and received by their representative, XXXX XXXX, on XXXX XXXX, 2015. This lack of response to my dispute is in direct defiance of FCRA 623 which allows consumers to dispute reported data directly with the data furnisher. Their failure to respond to my dispute while continuing to report the alleged account constitutes illegal collections activity as affirmed in XXXX in which the judge found that reporting collections accounts to a consumer reporting agency constitutes collections activity under the FDCPA. 

This illegal activity by Southwest Credit Systems must cease immediately. If the organization does not immediately delete all references to this illegally-reporting tradeline from my consumer reports, I will move my claim to the Federal District Court in XXXX, New Hampshire, and we can discuss the matter in front of a judge while Southwest contemplates the value of reporting a tradeline that is of no worth to them versus the reality of them paying me {$1000.00} for each FDCPA violation they have engaged in.
Credit score for Transunion has changed by almost XXXX pointsd and I have paid all accounts on time with no closing of any accounts.
ON XX/XX/XXXX I PURCHASED FROM MY BANK OF 30+ YEARS THREE CASHIERS CHECKS IN AMOUNTS OF {$5000.00}, {$10000.00}, AND {$15000.00}. IN THE FALL OF XXXX I HAD OCCASION TO USE THE CHECKS BUT COULD NOT FIND THEM. I INFORMED THE BANK AND THEY PLACED STOP PAYMENTS OF THE CHECKS, TELLING ME THAT I WOULD NEED TO WAIT FOR A WHILE BEFORE RE-ISSUANCE COULD BE MADE. I ACKNOWLEDGED THAT CAVEAT AND CARRIED ON WITH MY LIFE, EVENTUALLY FORGETTING COMPLETELY ABOUT THE LOST CHECKS. IN XXXX I CHANGED OUT THE INSERT OF MY LEATHER BOUND PHONE BOOK AND FOUND THE ORIGINAL CHECKS WITH THE CARBON COPIES TUCKED IN THE COVER. I BROUGHT THE CHECKS TO MY BRANCH WHERE THEY EXPRESSED SYMPATHY, FOUND THE STOP PAYMENT ORDER, AND ADVISED THEY WOULD TAKE CARE OF THE MATTER AS SOON AS POSSIBLE. AFTER MONTHS OF NO RESOLUTION. I WROTE A LETTER TO BANK PRESIDENT WHO REPLIED THAT " SINCE WE ARE UNABLE TO VERIFY THE DISPOSITION OF THESE ITEMS, WE MUST DECLINE YOUR REQUEST FOR REIMBURSEMENT. '' I HAVE THE THREE CHECKS IN MY POSSESSION TODAY. THANKS IN ADVANCE FOR ANY ASSISTANCE YOU MAY RENDER IN CORRECTING THE OUTRAGEOUS FAILURE OF MY BANK TO RETURN MY FUNDS.
Tried contacting, no luck. No help with customer service. Need this taken off credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016 XXXX XXXX XXXX  XXXX XXXX Washington XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX,2016 Sierra Auto Finance XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016
Hi, As a victim of the XXXX hack I am trying to set a freeze on my credit reports. I noticed that XXXX does not charge XXXX residents who have been hacked while Experian does charge XXXX  residents without giving them an opportunity to indicate whether they have been a victim of identity theft. 
I signed up for both of the freezes today on XX/17/2017 between XXXX and XXXX. 
I tried to resolve this unwarranted charge of {$10.00} through Experian 's website but was unable to do so. 
I 'll let them know I am placing this complaint with CFPB, but if there 's any other way I can help please let me know. 
Thanks
Loan depot has a email page with a STREAM LINE refinance they offer which are not existing. 

My credit report was pulled by deception. 

I was asked when my house was purchased XX/XX/XXXX. 

Agent XXXX stated he needed to run my credit report to verify qualification. 

Once pulled I was not eligible because my loan didnt originate before XX/XX/XXXX. 

This was known before by asking the purchase date of the home. 

I was given a horrible ARM offer when I was looking to STREAM line my XXXX XXXX property or go into a VA. 

This I see as deceptive and corrupt practices to obtain the most money off of the client for the company the agent works for ... most likely based on commission and bonuses Im sure. 

Thank you, XXXX XXXX
Recently while conducting a monitor of my credit report I discovered that OPTIMUM OUTCOMES #  XXXX  has furnished some items that have unverified information. I believe under  the Fair Debt Collections Practices Act , I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from OPTIMUM OUTCOMES but I am unaware of the amount due and your bill does not include a breakdown of any fees.   Additionally, I am allowed under the  HIPAA  law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT  OF 1996 ], to pr otect my privacy and medical records from third parties. I do not recall giving permission to    XXXX   XXXX   XXXX   XXXX   to  release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but it is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and  HIPAA  authorization.   1.Please provide breakdown of fees including any collection costs and medical charges  2.Provide a co py of my signature with the provider of service to release my medical information to you.    3.Cea   se any credit bureau reporting until debt has been validated by me.
4.Please send this   information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.   Please note that falsification of the information you received from any medical provider can be percieved as a  HIPAA  compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt.   Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency
I filed a complaint on XXXX XXXX. Today I received a call from someone in their call center in XXXX who was using discriminatory statements, laughing about me the costumer not being to make the payment she was requesting {$3000.00} so they would stop reporting the wrong information on me, even though, I have a payment agreement with them and have been paying on time ( automatic payments ) the person on the phone was challenging me to pay XXXX XXXX+ three times what my agreed payment is to see IF from here on they will start reporting correctly, this is out right discrimination, extortion and unlawful that a credit card company reports false information on a customer. They also closed my account several months ago, they reported it to the credit bureaus which hit my credit score substantially, then they filed with the bureaus that my credit card was open and marked my credit with three late payments even on the months that I have paid my agreements. The account shows open in the credit bureaus and on their site is closed. These credit cards are abusers!
Please see complaint [ Case number : XXXX ] as this is in addition to the previous case. Ditech has now confirmed that we did indeed payoff our loan. They have yet to return escrow funds and mortgage release. 
They have placed a negative incident on my credit report with XXXX, stating that my XX/XX/XXXX payment was 31-60 days delinquent. Since they received full payment for mortgage payoff on XXXX XXXX ( check cleared ) they had no right to give negative incident.
I was in a position of being evicted. I searched online but never really wanted to do one of these loans. I received an email from XXXX  and I was so desperate and they were very persuasive and I ended up borrowing $ 900.in XX/XX/XXXX. I thought I would be able to pay it off within a few weeks. I thought it was a monthly payment. It is {$280.00} every two weeks. I lost my job in XX/XX/XXXX and if I paid it off it will be {$1000.00}. I have already paid {$1100.00}. I see now that the interest rate is $ 740.21 %. I have notified them that I no longer would authorize ACH withdrawls, I have not heard any response from them. I know that if they attempt to withdraw funds onXX/XX/XXXX, I will get charged for an NSF charge. I was involved in an accident on XX/XX/XXXX suffering a concussion. I am now having to look at going back on XXXX XXXX.

I can not fathom it being legal to charge the percentage rate they are charging. I don't know if there's anything that can be done. This should be illegal. I at least needed to file a complaint.
On my experian credit report there are some inquiries that I did not authorize and that I would like removed and are as follows : 1.XXXX XXXXk / XXXX XXXX 2. XXXX XXXX/ XXXX XXXX 3. XXXX XXXX/ XXXX 4. XXXX XXXX/ XXXX XXXX
I received an email from Capital One on XXXX XXXX  XXXX demanding a transfer of funds in to a Capital One 360 Checking overdraft line of credit. It also stated that they were going to report it to the credit reporting agencies as a default. 

I have never had a checking account with Capital One. I have a credit card which I am going to cancel, but this is a blatant attempt to shake me down for cash coupled with a threat to ruin my credit. My credit is excellent ( XXXX ) and I have never made a late payment for anything, nor have I ever defaulted on any account.
Rushmore Loan Management Services continues to defraud and undermine the authority of the CFPB, FTC and other state and federal agencies, through negligent unfair violations of the FCRA, FDCPA and other state and federal regulations. Rushmore Loan Management Services has undisputedly re-aged an account first reported delinquent by XXXX on XX/XX/XXXX, and continues to extraneously verify by, Rushmore finds no evidence to support that your credit has been falsely re-aged. Your loan was acquired from XXXX XXXX XXXX on XX/XX/XXXX. At that time, loan was due for the XX/XX/XXXX monthly installment. Therefore, Rushmore is reporting your loan accurately. This is an insidious deception constituting intentional misconduct under both Federal and State Laws. The FCRA and case law is clear and unambiguous on this matter : the 7-year time clock starts running on the Date of First Delinquency ( DOFD ). Reporting of DOFD is, under FCRA 623 ( a ) ( 5 ), based on information obtained from the Original Creditor. One debt collector selling the debt to another collector is irrelevant to the 7-year rule. The federal FCRA and state statutes of limitations are separate and independent of each other. A review of the attached Customer Loan Inquiry, XXXX Notice of Intent to Cure, XXXX Account History, as well as, the series of attached credit reports, show PROOF POSITIVE that Rushmore Loan Management Services has illegally re-aged this account. The legal obligations under the FCRA Furnisher Rule completely discredit Rushmore Loan Management Services denial of involvement in improper investigations. Well-founded through disputes Ive already submitted, Rushmore furnishes falsified information to the CRA 's, repeatedly verifies it, then wrongfully shifts responsibility to the credit reporting agencies. Attached are dispute responses from XXXX, XXXX and XXXX evidencing Rushmore 's furnishing of fraudulent verifications. As a result of these reckless, wanton and intentional acts, I have suffered and continue to suffer considerable, irreparable, emotional, medical and financial damages. Rushmore Loan Management Services disregard and willful violations of the FCRA, FDCPA, and, my rights as a consumer, have caused unfair harm by seriously diminishing my credit rating, causing denial of credit, cancelled credit cards, missed job opportunities, escalated interest and insurance rates, and, loan terms I no longer qualify for.
Care Credit provides financing for health care, patient 's request financing for XXXX   services, I provide the XXXX services, Care Credit dont want to pay me for my services because my credit history. This practice of discriminating because my credit history is wrong, because I'm not the person who's requesting credit, I'm only an intermediary who provide the service, what does the services I provide has to do with my credit history? 
Also I think this practice violate interstate commerce because is limiting the number of patients I can give treatment, on a basis of my credit history. 
They are also limiting their client decision to be treated to whoever they want, the right to chose his doctor, because they are only going to pay doctors for their services who have good credit, and not paying the ones who have bad credit, again the provider of services is not the person requesting credit from CareCredit is the patient who is requesting financing to pay for the services I provide and is the patient who Care credit give the financing and is the patient who pays to Care Credit, so the services I provide don't have to do anything with my credit history, this is a bad way to use my credit hystory and interfere with the right of the customer to chose his doctor, and the doctor to provide his treatment, and a bad way to use credit history against myself
I contacted this company at XXXX and realized within XXXX hours that it was n't what I had really wanted. I have been trying to get a refund on my credit card from them since XXXX on their 60 day 100 % refund. I have contacted this company at least 5 times and they are n't listening! 
XXXX ; XXXXXXXXXXXX & gt ; XXXX/XXXX/2015 XXXX/XXXX/2015 XXXX XXXX XXXX XXXX $ XXXXXXXXPrint XXXX, TX XXXX US
To whom it may concern : Back in XXXX XXXX to XXXX reached out to me to help with my mortgage, after doing research recently with the XXXX it looks like XXXX XXXX XXXX is contracted and works with Ocwen to contact homeowners. This is illegal because XXXX to XXXX contacted me at my place of employment and I did not hand over my work contact information. 

In any event I went through the steps with them and singed over authority to contact Ocwen to receive access to my file. I provided XXXX to XXXX the necessary information and was informed by them that yes my monthly expenses should be looked at when under a review for a loan modification. All in all the modification that came back was unacceptable. The mortgage payment should be lower with P+I+ taxes.and within 31 % of my monthly income. Whatever they have to do the principal needs to be reduced to go along with the homes current value. I tried to appeal this with XXXX to XXXX and they refused to go back to Ocwen telling me I received the best modification going. REALLY for who, XXXX XXXX?? 

Because of this and getting XXXX to XXXX involved they took it upon themselves to turn around and deny the modification on my behalf which I did not authorize XXXX to XXXX to do,. I requested XXXX to XXXX to go back and negotiate a lower payment for me which they did not obviously at a rate of {$2900.00} payable to XXXX to XXXX. 

Now I received documents from Ocwen stating that there are NO MORE modifications available for my mortgage. Grant it I have been fighting for the past 9 years with Ocwen and in XXXX XXXX this year the CFPB finally sued Ocwen and it was settled over the summer and I have yet to receive information about this law suit. 

ESPECIALLY WHEN THE LAW SUIT CONCERNED FAMILY MEMEBERS INHEIRTING HOMES AND MORTGAGES FROM ESTATES WHICH I HAVE AND OCWEN SHOULD BE ASSISTING HOMEOWNERS AND OCWEN IS NOT DOING THIS.