WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax was hacked and had 143 million accounts stolen including social security number, drivers licenses, personal information. 
This happened in XXXX 2017 and I did not know anything about it until I saw it on the news. 
They need to be investigated and taken to task and be for why it took a month and a half before it was known they had a security breach of this magnitude. 
Also why are they not required to notify every single person by mail whose information may have been impacted. 
Thank you
I made a payment to pay off my us bank credit card in the amount of {$12000.00} and us banks system decided to take that payment out twice. So they overcharged me {$12000.00}. I called them right away once I noticed my checking account was in the red. I was told it would be taken care of right away, the next day the money had not been put back into my account, had to call us bank back and was then told I would have to wait XXXX5 days for the {$12000.00} to be given back to me ... ..I told them this was not an option and was not right for them to hold money they should not have removed from my account to start with, I never athorized {$24000.00} only the {$12000.00}. I have been on the phone for over 2 hours now trying to find ways that they can give me my money back. They just keep saying thy can not do anything. i am very very upset that they first off took that much money from me and second telling me they wo n't give it back to me right away. Thy will not release my funds for at least XXXX5 days and are not willing to do anything to fix the mistake their system made.
Barclaycard Arrival Plus card lowered my credit line when I had a balance on the card. I paid in full every month and should not suffer the credit hit ( FICO went down XXXX points ) because the balance was instantly above my credit line. 
I feel it is because they do not have the capital to lend anymore ... is that legal.?
On XX/XX/2016, I began my annual XXXX shopping. I started by going to a Key Bank ATM and withdrawing {$400.00}, then went to a department store where I purchased slightly under {$200.00} worth of merchandise using my debit/ATM card. Following the same pattern I use nearly every year, I then went to a discount big box store and selected a couple of items, as well as XXXX gift cards worth {$300.00} each. Although I have done this every year for the past XXXX to XXXX years, using either the same debit card or a Key Bank credit card, the debit card was declined with the message that I should contact the issuing bank. I had more then XXXX times the amount of the charge in my account. I completed the purchase using my Key Bank credit card without any difficulty. 

When I returned home and called the issuing bank, using the customer service number on the back of the card, the automated system refused to recognize that such a card existed. Not only had Key Bank declined the purchase ; it had effectively canceled the card entirely, so much so that I was not permitted to talk to customer service. 

When I finally received a voice mail message from the fraud department of Key Bank, the message said to call back and gave me a reference number. I made the call, only to discover that the fraud department does not take calls and that the reference number was of no use to the customer service department to which the call was automatically forwarded. In other words, Key Bank had constructed a system which prevented me from using my own funds, completely blocked the card I had just used twice successfully, gave me a fake reference number and forced me to deal with someone who could provide only formulaic responses to my questions. 

The claim the customer service department made was that the purchase was blocked because it was an " unusual '' transaction. That was not true. As noted, I make the same kind of purchase every year using Key Bank cards, so Key Bank had the information it needed to know that the purchase was quite normal. In fact, it approved the credit card purchase, despite the fact that I use the credit card almost exclusively for online purchases, which this was not. Nor have I received any communication from the Key Bank fraud department about the credit card purchase, even after the fact. 

In addition, the customer service department informed me that my daily limit on the debit card is {$10000.00}. That is patently untrue ; it is inconceivable that one could make sufficient purchases to equal that amount when any large purchase is denied. 

In sum, Key Bank has constructed a system which denies me access to my own funds at the time I need those funds. The bank seems to believe that it has more right to my money than I do.
I was notified by wells fargo bank and also a law firm called XXXX XXXX XXXX about opting into a class action lawsuit against wells fargo bank for unauthorized accounts and also unauthorized charges made to those accounts. I currently have a checking, savings and also a brokerage account with wellsfargo bank. I have been charged several times in overdraft fees and had to have some rembersed because of bank error. I believe wells fargo bank has been using my personal information to open up accounts and also have made unauthorized charges to my account.
On XX/XX/2018 I WENT INTO XXXX XXXX XXXX TO TRY TO PURCHASE AN CAR. I WAS VERY PACIFIC TO NOT RUN MY CREDIT MORE THAN TWICE TO FIND OUT THE NEXT DAY THAT MY CREDIT WAS RAN 8 TIMES. I WAS APPROVED THROUGH ONE LENDER XXXX XXXX BUT THREE WEEKS LATER THE LENDER DECIDED TO DECLINE THE LOAN. THEN WHILE I WAS AT WORK UNAWARE WHAT WAS GOING ON XXXX  XXXX XXXX DECIDED TO RUN MY CREDIT 3 MORE TIMES WITHOUT MY CONSENT. THIS HAS DAMAGED MY CREDIT SCORE SOME MORE. THESE ARE THE COMPANIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( RAN TWICE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Statement date XX/XX/XXXX received notice from Ditech of escrow shortage in the mail.
Tried to call several times but could not get through due to heavy call volume due to the hurricanes.
Statement date XX/XX/XXXX received notice of service transfer from Ditech to XXXX XXXX XXXX XXXX. It clearly states Ditech will stop accepting payments received from you after XX/XX/XXXX. 
Called upon receipt of the service transfer notice and spoke to XXXX customer service rep # XXXX about the shortage and service transfer. 
XXXX told me I needed to make no payment until XX/XX/XXXX because of the service transfer and that she was applying undeclared extra funds paid to my account to the escrow shortage, a late fee, and principal. I would send extra money every month thinking it would be applied to any shortages and principal. I requested a statement describing what she had applied to our account. She said she could not provide one at that time.
I just received a debt collector notice from XXXX dated XX/XX/XXXX. We make our payments every month and pay a little extra. I pay bi-monthly due to our finances. We did not pay XX/XX/XXXX because XXXX, XXXX informed me NOT TO PAY. We have no idea what is going on. 
I have not received a bill from the above named new company as of XX/XX/XXXX. 
Thank you, XXXX XXXX XXXX
trans union and XXXX I could n't get my credit reports. my XXXX report I recieved but not the others
I am a ( pending ) customer to RushCard for a few years. Over 2 weeks I have n't been able to access my XXXX accounts/funds ... My XXXX & payroll checks both gets deposited into my accounts ... Have n't been able to pay my bills, ex : made a budget payment plan with my daughters cellphone company, since Rushcard declined to process the transaction ( which I have available in my account ) now her total bill is due & service has been interrupted ... XXXX How fair is this to her & I? Running low on food & toiletries ... .. Rent is about due, but the most importance overall is putting a smile on my daughter 's face for her XXXX birthday this Friday ( XXXX XXXX ) ... .. I 'm having XXXX as I know & feel I still wo n't be able to access my funds yet another week : ' ( XXXXPlease help me!!!!!!!!
I believe that I filed a complaint last year with you against Navient ( XXXX XXXX ) i was told that you could not help me at the time, however while you were investigating this they had sold my supposed debt and I being sued for this ridiculous amount they claim that I owe .All the things that I had said they were doing and more is the exact reason you have now gone to the federal courts to solve ... What can be done to help me now????
We chose Bank of America to do our mortgage when we decided to purchase a house. Bank of America assured us they would make our closing date, but when the closing date came, neither I, nor my realtor, nor the title company could get a hold of them, until they admitted they had n't completed the paperwork on their end and the house would n't close on time after all. The house went out of contract.
Federal Tax Lien Docket # XXXX {$3700.00} Federal Tax Lien Docket XXXX XXXX {$3700.00} Federal Tax Lien Docket XXXX XXXX {$550000.00} State Tax Lien Docket # XXXX XXXX {$100000.00} State Tax Lien Docket # XXXX {$25000.00}
I 've been getting collection calls from JCPenney about a car that I do not own. I 've never had a JCPenney card. I do not do business with them
Expenses for Reimbursement : Condo Inspection - {$350.00} Copies from XXXX - {$4.00} Attorney Fees - {$880.00} Condo Questionnaire - {$140.00} Mortgage Application Fee - $ XXXX - XXXXWe expect the Bank of America to honor and accept the mistakes and shortcomings that occurred by their employees.The purchase of our condo fell thru XXXX days before the closing of XX/XX/XXXX.We ca n't express enough the disappointment of the loss of this purchase and expense and lack of trust and communication of Bank of America to do their jobs properly. On Monday, XX/XX/XXXX, our Attorney called us to let us know that the deal had fell through due to the neglect of Bank of America Mortgage Loan Officers doing their job in a timely fashion. The mortgage was approved. All papers were submitted to Bank of America by us for the approval. We were trying to reach the Bank of America Mortgage Officer & his Manager XXXX XXXX for days and only received a call XXXX days after I had submitted a complaint with the XXXX telling me that they would not refund all of our money even though it was their fault. What a disgrace. They always called us to call each of them as their way to communicate. It was bizarre. It was like they never even spoke to each other. The Mortgage Officer would not take care of the Condo questionnaire. We had to have our realtor pay for it up front. He would never answer her calls or emails. Then XXXX week after the questionnaire was completed, another Bank of America employee called because she wanted to take care of the questionnaire and wanted our credit card number. The Loan Officer had called us for our credit card number to pay for the mortgage fee application and said he was charging the card {$440.00}. He charged our card {$660.00}. Who does this? Is this how Bank of America does business? Our Attorney called us once a week complaining that both Bank of America Officers would not respond to their calls and emails. They put all of us from the very start in a very bad position with this whole process. The burden of their jobs was pushed on us XXXX a week. It was like every day was their first day on the job! My husband and I are just XXXX over this and their neglect. Please help us. 
Time Line : Bid with Realtor - XX/XX/XXXX Inspection on Property - XX/XX/XXXX Mortgage Approval with Bank of America, - XX/XX/XXXX Condo Questionnaire Sent to BofA Mort Loan Officer to Complete - XX/XX/XXXX Condo Questionnaire Completed by Realtor - XX/XX/XXXX We were notified that Deal Fell Through - XX/XX/XXXXthe closing was set for XX/XX/XXXX ... ... We just want our expense back for their shortcoming ...
My parents set-up a trust account 3 yrs ago due to health issues and to make it easier for my brother & I to have access to their financial accounts once they passed away. They listed me as the first trustee and my brother as successor trustee. Chase Bank is making us work to get to the money. Here are some of the things that have happened : 1 ) Chase lost the form that my Mom signed listing my brother & I as the beneficiaries of one of her accounts - we had to hire Mom 's attorney to do additional paperwork at a cost of {$500.00} to get the account moved into the trust so we can access it ; 2 ) I was asked to create a NEW trust account with my name, SSN, and Federal EIN number in order for Chase to move the old trust funds into the new trust account ; 3 ) Now I am being told that I have to create another trust account because they are unable to move the original trust funds into the newly created trust fund ( different EIN and SSN numbers is the excuse ) ; 4 ) the trust account was frozen after my Mom passed away but when we needed to access funds, they were able to unfreeze the account but then the problem with getting some funds was that " someone '' had started reinvesting the money. This was odd because we were told that XXXX was the person in charge of Mom 's account. We had n't authorized any reinvestment of the account.
I had a loan due XX/XX/2018, had told them i would pay when i could. Called my work mutipe times even after told to stop. I was always on the clock when they would call me so i couldnt answer. They thought it'd be best to go ahead & show up to my work place to ask when i was going to make a payment ...
On XX/XX/XXXX, I contacted Trans Union to lift a security freeze on my credit report. I received a confirmation on their website that read : temporarily removed your security freeze from XX/XX/2018 through XX/XX/2018. 

On XX/XX/XXXX, my lender tried running my credit report as I am applying for a new mortgage however, the security freeze remained and my lender could not run my credit report. 

I logged into my Trans Union online account and REMOVED my security freeze. My lender ran my credit report again and it still does not work. I tried calling Trans Union and they insist that my account is UNFROZEN.

My online account also indicates that my credit is UNFROZEN. My lender received a response when trying to run credit that an 8 digit number is required in order for them to run my credit report.

I contacted Trans Union again and they insist my credit is UNFROZEN. I  asked them for proof and they said they are unable to provide any proof. 

I had the same exact experience with XXXX however, they are demanding a 10 digit number in order to to release my credit report. 

XXXX is a whole other issue. There website refuses to acknowledge me and I am unable to login or even create a new account. When I call them, they forward me to another country and I speak with representatives that are very inexperienced with helping me. All I am able to get from them, is a confirmation number that my account is unfrozen. Here is what I have from XXXX  : XX/XX/2018, XXXX XXXX ID # : XXXX Confirmation # : XXXX ( that credit is UNFROZEN )
XXXX and Perfection Collection have attached my social security number to someone else 's debt. They installed an alarm system in a house in TN for an individual with a similar name as mine. A name that I have not used in over 20 years due to divorce and remarriage and I live in NC, and have never owned property in TN. I filed XXXX disputes with transunion and perfection collection still claims this is my debt. I am filing a police report on monday and filed a dispute with XXXX today. I requested a copy of the original sales contract to verify where they have obtained my social security number but I have not received a copy as of yet. They have illegally accessed my social because I have not applied for any service or loan with them.
There is a laundry list of issues with equifax, first they refuse to allow me access to my own credit report. They ask me to identify information on the reports which they have listed as incorrect, for instance, an address I haven't lived at in 15 years, and an employer i haven't worked for in over 20 years. Secondly I've sent identifying documents to this agency three times, drivers license social security cards, birth certificates, utility bills, and they refuse to allow me to access my credit report. They also are allowing a fraudulent creditor who is under a XXXX XXXX XXXX  advisor alert to add fraudulent and false information on my credit file. They aren't allowing me to dispute the entry, and they refuse to seriously investigate, I've attempted to dispute three times with the little info I have. I was able to successfully retrieve a report through XXXX, but this agency will not talk to me over the phone about my own credit file, they are again wanting me to verify information such as addresses that they have wrong on their file, and they will not remove this fraudulent entry nor seriously investigate if it should be there.
Professional Account Services, Inc. called me today, tried to get my bank account information to collect a debt. I knew I owed medical bills but I got a website from them to pay on because I do n't trust phone calls. I pay the bill online but the invoice does n't say anything about what it was for. When I call back to give them the transaction ID number for the payment they said that the debt was for XXXX ambulance rides totaling {$4700.00}, they said {$1000.00} something for XXXX and {$3000.00} something for the other one. I said ok, but when I got home I noticed that those ambulance rides only totaled to {$3300.00}. I called the original debt owner, the ambulance service, and they said that the collection agency charges an additional 40 % for themselves. I go to my bank to try to cancel the payment until I can talk to my lawyer. I could n't stop it because it was pending. I call Professional Account Services, Inc. to ask them if I had to pay the extra XXXX %. They said yes. I told them that when I talked to them earlier they misrepresented what I was paying by saying that I was paying it all to the ambulance service. They said they did n't have to tell me added on fees unless I asked, but I believed there was no reason to ask because they quoted the money going to the ambulance service bill, plus they were talking about taking me to court, plus I trusted the website which also told me nothing. Now I have to wait until Monday or Tuesday to see if I can cancel the payment through them until I can at least get everything in writing or talk to my lawyers, who are also closed until Monday or Tuesday.
Equifax, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Ms. XXXX, in 30 days and or til date, despite Ms. XXXXs repeated requests. Second, Ms. XXXX requested Equifax to provide the method of accuracy & verification used by Equifax pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Equifax remains non-compliance till date. Third, Ms. XXXX requested Equifax to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Ms. XXXX. Hence, Equifax again went silent.
Transunion refuses to investigate and remove inquires that are unknown and not inquired nor authorized by me.
I pulled a copy of my credit report and noticed that there are several inquiries being reported on my credit report in error. I have sent 2 letters to Experian Credit Report agency via certified mail requesting removal or to provide proficient validation of the inquiries. They have failed to comply with my request. Before I seek damages, I'm filing an official report now as a last request. It is my understanding that the FCRA states that the only permissible purpose for pulling someone's credit report is : a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

1. XXXX  XXXX XXXX XX/XX/2017 2. XXXX XX/XX/2017 3. XXXX XXXX XXXX XX/XX/2017 4.  XXXX XXXX XXXX XX/XX/17 5. XXXX  XX/XX/17 6. XXXX XXXX XXXX   XX/XX/17 7. XXXX XXXX XX/XX/17 8. XXXX XX/XX/17 9. CBNA XX/XX/17 10.  XXXX XXXX XXXX XX/XX/17 11. XXXX XXXX  XX/XX/17 12.  XXXX XX/XX/17 13. XXXX XX/XX/17 14.  XXXX XX/XX/17 15. XXXX  XX/XX/17 16. XXXX XX/XX/17 17.  XXXX  XX/XX/17
I am writing this letter to you regarding the service that I received from the credit reporting bureau Transunion. Beginning in XX/XX/XXXX, I have been working with Transunion Credit Bureau to dispute items that are posted on my credit report that are being reported in error. These items are drastically affecting my credit score in a negative manner and is causing me to be denied credit opportunities. I have sent four letters by certified mail within the past nine months to Transunion Credit Bureau requesting that any, and all disputable items on my credit report be verified properly per the Fair Credit Reporting Act Section 609 ( a ) ( 1 ). 

Certified letters were delivered to Transunion on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

According ; to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit reporting bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract on all accounts that are disputed on a consumers credit report. Along with the verification process, I demanded to see Verifiable Proof of ( an original Consumer Contract with my Signature on it ) for the accounts that were being disputed on my file Under the FCRA, disputed accounts must be removed, if the credit bureau is unable to provide a copy of verifiable proof ie. ( Consumer Contract with Signature ), then the disputed account must be removed from the credit report. I have sent Transunion several letters demanding that the accounts be verified per the FCRA. In their response to me ; Transunion has stated that the accounts have been verified and updated. However ; Transunion has yet to inform me on how they verified the disputed accounts and they have not provided me with a copy of the original contract with my signature on it as proof that the disputed account has been accurately verified. 
I have enclosed a list of the disputed accounts that remain on my credit report, as of the last credit report that I received from Transunion dated XX/XX/XXXX Name of Account Account Verification Status per Credit Bureau XXXX XXXX XXXX XXXX XXXX Placed for Collection XXXX XXXXXXXX XXXX XXXX XXXX Paid Collection XXXX XXXX XXXX Unpaid Balance Charge Off XXXX XXXX XXXX   XXXX Acct. Sold to XXXX XXXX XXXX XXXX XXXX XXXX Placed for XXXX XXXX XXXX XXXX XXXX Placed for Collection
I am consistently receiving bills to make payments on loans that were aold, closed, paid and have a negative status reporting on my credit reports. There are 3 different service providers trying to collect on these loans. I have been employeed in XXXX XXXX XXXX  and filed for loan forgiveness however once I have successfully xompleted these programs no adjustments to the balance have been made and all old loans have reappeared along with XXXX, XXXX, XXXX XXXX and now XXXX trying to collect. I do not know to whom I should be making arrangements with when all the companies are trying to collect. I am near homeless because I can not purchase a home due to how the credit bureaus are reporting these amounts.