WillisBack/dataset-financial-user-claim huggingface dataset:
I have multiple problems with the latest Equifax breach. 1 ) I was already the victim of the breach. Someone stole my credit card information. Fortunately, my bank is awesome and caught the fraud before I lost any money. 2 ) Why the XXXX did it take so long for Equifax to alert the public?! 3 ) Why do I have to shell out {$10.00} a piece to each agency to freeze my credit? I understand that that is an optional step ; however, I would rather be safe than sorry. I am in my XXXX with kids and have many needs still for a solid credit score. This is money that should come out of Equifaxs pocket-NOT MINE! 4 ) When I did go to each website to freeze my credit, only XXXX website was operational. The only thing I can deduce is that these multi-billion dollar companies are employing a bunch of teenagers to run their technology departments. First Equifax loses personal information on half of America, knows about it for 3 months without disclosing, THEN ( the cherry on top ) theyre not even prepared for the fallout. What a bunch of total IDIOTS!
Filed XXXX in XX/XX/XXXX to keep my home of 25 years, ( tried for a home Mod but u have to be 3+payment behind which puts u in foreclosure so to stay off the bank i filed Ch XXXX ). For two months once my home was foreclosed I attempted to re purchase it through XXXX XXXX, but no luck in XX/XX/XXXX after XXXX informed me i needed XXXX in a secured account, which I did, still no response until I had my Atty. and XXXX XXXX office got involved. We found my Mortgage when refinanced through Bank of America ( which they did all the paperwork since they did it originally ) was unsecured because of being on XXXX Land, which is necessary through the XXXX XXXX XXXX XXXX. Everything thing stopped, no calls from BoA nothing though I still made the XXXX XXXX payments, until last month. In the last 40+days, my home has been listed for sales w/ disclaimer not to contact the occupant at any level ( me ) ... My Atty. is still involved but Bank of America, will not respond to anything. I received the usual correspondence from BoA, with each of them giving a Ph # for contact that is usually not working. 

My Attorney is convinced that the Loan should have been dismissed during the Chap XXXX, but the worst case scenario would be that the bank would simply sell me back my home for the balance of the mortgage. But so far nothing and my home is still listed
I send a certified letter to the company and they refused to investigate my request listed below. I have already filed a complaint with the Texas Office of the Attorney General. 
I listed below the request I send to the company and I included proof as well. 

Please be advised that you are in violation of Section 392.101 of Texas Finance Code which prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Furthermore, Sec. 392.301 ( a ) ( 4 ) of Texas Finance Code prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the consumer debt or would be subject to illegal collection attempts. 

I am writing to advise you that you are in violation of Texas Finance Code Section 392 as well as the Deceptive Trade Practices-Consumer Protection Act. I will file a complaint with the Texas Attorney General Consumer Complaint Division as well as the Consumer Financial Protection Bureau if theses collection accounts listed below are not deleted. I request the immediate removal of these tradelines from the credit report, as you and the original creditor have violated the aforementioned. 

I am maintaining a careful record of my communications with you for the purpose of seeking remedies provided to me under both state and federal laws should you continue in your non-compliance under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, Texas Finance Code Section 392 and the Deceptive Trade Practices-Consumer Protection Act. I further remind you that you may be liable for your willful non-compliance. 

These accounts listed below are in violation of Texas Finance Code Section 392.301 ( a ) ( 4 ) of Texas Finance Code. 

As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. I will be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
CFPB SENT A COMPLAINT TO EQUIFAX ABOUT MY CREDIT REPORT AND ASKED THEM TO REMOVE AN ACCOUNT ON MY REPORT. 
EQUIFAX DID AN INVESTIGATION AND REMOVED THE ACCOUNT BECAUSE IT WAS LINKED TO A FRAUDULENT ADDRESS LISTED ON MY REPORT. 
EQUIFAX REMOVED THE ACCOUNT AND ADDED IT BACK A COUPLE OF WEEKS LATER WHICH IS ILLEGAL TO REMOVE AN ACCOUNT THEN ADD IT BACKI FEEL THEY DID THIS CAUSE I HHAVE BEEN REQUESTING INVESTIGATIONS INTO THESE FRAUD ACCOUNTS. 
PLEASE REMOVE THE FRAUD ACCOUNTS ASAP OR I WILL BE FORCED TO FILE A LAWSUITE AGAINST EQUIFAX. I CAN PROVE THAT THEY REMOVED THE ACCOUNT THEN RENINSERTED IT BECAUSE OF SOME TYPE OF PERSONAL PROBLEM WITH MY DISPUTES OR IT COULD BE SOME KIND OF RACISM GOING ON AGAINST ME. I HAVE ATTACHED MY STATE ID, SS CARD, AND A SNAPSHOT OF THE ACCOUNT EQUIFAX ADDED BACK TO MY CREDIT REPORT AFTER THEY REMOVED IT.
Today, XXXX/XXXX/2017, I attempted to cash a check from my son-in-law made out to his mother, my wife at Bank of America, XXXX branch, XXXX, NC. Since my wife is not only XXXX but recently XXXX, she is rather XXXX. However, I have cashed 7-8 checks from him to us at the same location. I place our identification - Id/drivers license, both bank cards from the XXXX banks we do use, not Bank of America. They use the " California security screens '' which consist of 1 '' of bullet proof glass and a 3 '' opening to place your identification. I had placed her ID on the left side and my ID 's on the right side of the half-round tray. The Financial Center Operations Manager, XXXX, was starting to give her OK by initialing the check for cashing. As she stopped and reached for my ID, I reached over to push it up for her to reach. My ID and XXXX bank card fell down on the counter. I said excuse me. She suddenly stopped and said " NO ''. I asked her what was wrong as she replied, " I am not going to authorize it because you threw those cards at me! '' Remember this is the bank my step-son had written the check on and I have cashed his checks to us there several times before. XXXX started walking away and I called out and asked for her name. She said she was getting me a business card, which she did produce. 
I believe other people, potential customers and Bank of America officers should be aware of this women 's attitude and refusal to cash one of there own checks. I plan to make everyone I can aware of the XXXX service or bad attitude I encountered this morning. 
Being XXXX, I was XXXX, I am used to people being rude to me but I did not give this lady any reason to prejudge me and fly off the handle so quickly.
My FICO score about 790, but they reported only XXXX,. XXXX use that reason to deny my service.
Saks Credit Card Service will not issue a refund check even though I have a credit balance on my account. 

On XXXX XXXX, 2015, I called Credit Customer Service to request a refund check. On XXXX XXXX, 2015, I emailed Credit Customer Service to request a refund check. On XXXX XXXX, 2015, I sent a letter to Credit Customer Service via US postal service. 

I have made multiple calls to Credit Customer Service to inquire on the status of my check. Last week, I spoke to a Credit Customer Service Supervisor named XXXX who took my information and promised to call me back within 24 hours. He did not ever call me back. 

On XXXX XXXX, 2015 I emailed XXXX Customer Service about my refund check. I was told I would be getting a personal response within 24 hours and still have not heard back. 

I have not received my refund check which I requested 17 days ago. By law, I should have received it within seven business days of my initial request. 

XXXX. If you have a credit balance on your account, you can keep it or write your issuer for a refund if the amount is more than one dollar. Your card issuer must send you a refund within seven business days of getting your request. If you do n't ask for a refund and you do n't make any other purchases for more than six months, the issuer must make a good faith effort to send you a refund.
XXXX XXXX has added herself to my Capitol One Credit card as an authorized user without my knowledge. She is using this card for her daily living expenses, vacation, and cash advance withdrawals. According to the transaction since XXXX XXXX, I have used this credit card by setting up automatic charge to pay for XXXX XXXX XXXX for the amount of $ XXXX monthly. This $ XXXX monthly has been moved to another credit card since the credit card overcharged. In addition, on XX/XX/XXXX and XX/XX/XXXX I charged the amount of {$1400.00} for XXXX for a total of {$4200.00}. However, I have paid it off a couple of days later. On XXXX XXXX, I received a credit adjustment of {$4200.00} due to the fraudulent act of the company. She has used all of this credited amount without my knowledge. XXXX XXXX, XXXX XXXX, and XXXX XXXX, XXXX, she confessed to me what she did and I paid a total {$10000.00} to try to get her out of trouble and she stated she will take care of the debt. However, she did not do what she promised that she will repay me and pay off the credit card debt. Therefore, she added herself as an authorized user, overcharged for her daily living and luxury vacation, cash advances, used my credited amount fraudulently. Capital One refused to take this as a fraud case. They claim that I am responsible for the debt that XXXX has charged. I have been calling Capital One since XX/XX/XXXX. However, the conversations with the representatives are different each time. There are different issues and suggestions stated by the representative. I was told that all I need is to have XXXX signed an admittance letter stating that did used my credit card without my knowledge and will take responsibility for this debt. XXXX stated that she did signed the admittance letter and sent to them. However, Capital One stated that they never suggest the admittance letter and never received it.
I did apply for a payday loan with cash net usa. The only reason I know its them is because I XXXX the phone number, and the people under it says thats who it is. Anyway my complaint is that I have XXXX sisters that this company keeps calling them and harrasing them 20-25 times a day. They threatened my sisters saying that they are coming to get me and take me to jail. Then XXXX of my sisters talked to them and they claimed they were not a debt collector but just needed to talk to me. Also they are calling a job that I havent been employed with since 2006. And my ex boss is really mad because she thinks Im trying to ignore them and Im not. Plus they are calling me by my maiden name. I have been married for nine years so this debt is really old. Please help me.
I was reviewing my credit report and found a chargeoff for {$21.00} was reported, along with 60 months of XXXX 's for {$21.00} balance. I do n't have any record of them contacting me collections or otherwise. I feel like they may have bad email address and were only sending email notices. I was sure I had closed this account and had no balance.
I have contacted Lowe 's on several occasions about a credit inquiry that was placed on XXXX XXXX, 2017.  As soon as the inquiry was placed on my XXXX credit report on XXXX XXXX, 2017, I called the company that evening for the first time to let them know that I had not applied for a credit card with them nor did I authorize anyone else to do so. I was advised I would have to wait 7-10 days before I could dispute this with them to see if I was approved for their companies card, I again stated to their representative that I did n't apply for the card and did not want it. I have a credit freeze place on my report, therefore I would n't apply for anything. After 10 days passed I contacted the company again, they said to wait 30 days for them to do an investigation on their own, that it could take up to 60 days. I again contacted them and they said that they could not remove this unauthorized inquiry from my report even tho I did not apply for it.
My XXXX XXXX accounts for the school that I attended back in XX/XX/XXXX in the amount of {$2500.00} & {$3500.00} for XXXX XXXX XXXX XXXX, XXXX XXXX, CA ended up being sent to U.S. Department of Education collections department due to supposed DEFAULT. I have all my statements supporting that I have been in good standings with my federal loans. I have talked to XXXX   XXXX associates XX/XX/XXXX & XX/XX/XXXX and yet they have not attempted to reach out to U.S Department of Education to inform them that my Lone needs to ben Referred back to XXXX XXXX. I actually have a letter from XXXX XXXX stating that my two loans XX/XX/XXXX have been discharged on the basis of false certification from the school that I attended. I am no longer obligated to make payments on lones. But yet my account was sent to U.S Department of Education even tho my account was in good standings. As far as I know somehow XXXX XXXX staff made a major mistake and they should fix it, my credit has been impacted due to them over looking Important details on my accounts. Staff maid a huge mistake on my XXXX account.
My credit went from XXXX to XXXX due to the Great Recession and problems in paying medical bills and being unemployed. In XXXX I landed a job and have not missed any bill payments since then. Accordingly, my credit went from XXXX to XXXX in XXXX. However, in XXXX of XXXX my credit suddenly dropped from XXXX to XXXX per XXXX XXXX 's data collected from XXXX and Equifax. When I checked to see why I discovered a XXXX NEW entries for unpaid balances that were XXXX YEARS OLD, both dated XXXX XXXX, XXXX. Both entries involved " XXXX XXXX XXXX '' which I have never heard of in amounts of {$13000.00} and {$4600.00}. I contacted Equifax and XXXX and got their typical barrage of obfuscation and confusing emails, none of which addressed the problem. Then they simply noted the " entries were removed '' but my credit remained dinged by XXXX points. 
I want to know if the Big XXXX credit reporting firms business models rely on keeping people beaten down, downtrodden, and miserable to enhance their profits by selling their services? They seem quick to harm someone but unresponsive in fixing problems. For me, this is very damaging in that it may preclude me from getting a mortgage. Worse yet, credit in this range will likely have an adverse affect on me getting a promotion. 

There is no salient documentation as my complaints were filed with XXXX and Equifax on line and I was unable to save correspondence in their website. There responses did not address, or rectify, the issue. 

Thank you.
My Balance on my XXXX XXXX Credit Card was {$1000.00}. I decreased the balance to {$200.00}. That is a Decrease from 100 % to 20 %. I got an alert from experian of this change and my score dropped 5 Pints.. I contacted Experian and spoke with XXXX and she was not able to give me a reason that this happened.. This is a Big issue.. If my Balance on my credit card increases they drop my score now if I pay my balance down on my credit card they drop my score as well.. This just is n't correct and there needs to be some type of investigation into this credit bureau. 

There is something fishy going on for this to happen.
Delete, delete, delete.. ALL bureaus are suppose to have physical copies of all documentation from the creditors for the accounts they choose to report. So by not having a sign contract with a third party collection is illegal for them to collect on a debt, that 's " not contracted '' with them. Last but no least, THE RIGHT OF SUBROGATION DOES NOT EXIST FOR A STRANGER TO THE TRANSACTION. 73 AmJur 2nd, Section 90.
3rd party collectors are NOT ON ORGINAL CREDITOR CONTRACT! Never sign a legal binding contract : .Cant show internal verification, so please delete immediately. " so Canceled contract '' as another dispute reason .They do not have a contract with the entity they purchased the debt from along with contract rights.
Please be advised that the following statements are not limited to the legal complaint found herein I had requested specific documents from the bank aka Wells Fargo received by me on XX/XX/XXXX concerning copies of original closing Settlement statement with the U.S. Department of HUD concerning my home located at XXXX XXXX. XXXX XXXX, XXXX XXXX, Florida XXXX After careful evaluation of the documents sent from the bank, I compared the copies sent from the Bank with the originals I have and hold in my possession. I have clearly noticed that the documents sent from the bank that the signatures did not exactly match those of the original documents. The signatures OF SAID DOCUMENT provided by Wells Fargo APPEAR TO HAVE BEEN Noticeably TAMPERED with, SUPER IMPOSED, SCANNED FROM OTHER DOCUMENTS then POSTED ON THE COPIES SENT FROM WELLS FARGO and are not considered OR ASSIMILATE AS being AUTHENTIC IN COMPARISON WITH THE ORIGINAL HUD SETTLEMENT STATEMENT ( XXXX XXXX XXXX ) and is better translated or considered as some kind of intentional forgery in reliance to the signatures which consequently would affect and disrupt all legal passive actions and judgments that the Bank as exercise or implicated against me. 
In consideration of the following this causes a serious and dangerous act againts my person, which can be remedied accordingly. After reviewing the documents I decided to dig deeper so I went and pulled documents from the foreclosure process and came to discover that many documents submitted to the Court where missing paragaphs, signatures, pages, and the list goes on, WELLS FARGO EXECUTED MANY ANSWERS THE COURT VIA ATTORNEYS THAT SHOULD HAVE BEEN DISMISSED OR ADDRESSED. 
In pursuit of my complaint the Bank as been known to use constant illegal methods, and strategies, to unjustly FORECLOSE AND PLACE LIENS OR INFLUENCE JUDGMENTS THAT SHOULD HAVE NEVER CAME INTO EXISTENCE. 

There is no word to describe how difficult the dealings with Wells Fargo have been since the origination and transaction of the loan that was transferred from XXXX XXXX TO XXXX, TO WELLS FARGO and reassigned to XXXX XXXX XXXX XXXX. It is my clear understanding that WELLS FARGO sold the loan to XXXX for a discounted reduced sum much inferior to what was owed concerning the balance of the loan. Wells fargo also purchased insurance policies at my expense 4 times the normal amount itwould cost they would charge for a year of coverage and then cancel the insurances within 3 months or less still charging the full amount. Corruption added with injustice is the practice that this banking system operates on. 
They CAN NOT BE TRUSTED nor can they be rewarded for causing this kind of voluntary damage to my person Which reserves the sound right for me to defend my just cause and expose on founded grounds the continuous perversion associated with this peticular banking system. 


Thank you for reading my complaint I ask that appropriate remedies be initiated and applied concerning this matter.
I have been fighting for months for Nationstar to remove the PMI portion of my loan. At time of purchase we were notified that as long as I was XXXX % or higher on loan to value this would be removed. I began asking questions in XX/XX/XXXX and was sent in a constant loop until I got nasty. I asked and received an appraisal which shows my loan to value is XXXX % just received a letter stating that the range " could '' be XXXX-XXXX % LTV and denied my request. My house has the required LTV, I have excellent credit and never missed a payment ... .Shame on you Nationstar. I was so excited to read about your organization please help they have been trying to string me along since XX/XX/XXXX!!!
We are a law firm that represents Hurricane XXXX Victims. We have achieved a settlement for our client. We are listed as a payee on the settlement check as well as JP Morgan Chase. JP Morgan Chase refuses to endorse the check so we may recover our contractually obligated fees and expenses.
In XXXX I had numerous issues with XXXX ( XXXX ) billing and it would take me hours and even days to clear up the issues. I had been treated very poorly by XXXX representatives. XXXX ( XXXX ) was billing me on behalf of XXXX ( XXXX ) so XX/XX/XXXX I asked XXXX to stop billing for XXXX and contacted XXXX to begin billing me directly. XX/XX/XXXX, I paid {$130.00} to XXXX. XXXX tried to bill me same amount ( {$130.00} ) that had already been been paid to XXXX. I received a letter dated XX/XX/XXXX from Central Credit Services ( CCS ) that I owed XXXX {$130.00}. I called CCS and spoke with XXXX who said to send proof the debt was paid. I faxed the proof XX/XX/XXXX. I pulled my Experian credit report on XX/XX/XXXX and found that CCS had reported the debt to XXXX ( and probably the other credit reporting agencies. ) I called CCS and XXXX spoke with XXXX then XXXX ( the first rep I had spoken to in XXXX. ) I asked XXXX why the debt showed up on my credit report when I had sent proof of payment in XXXX. She said that I still owe the debt to XXXX even if XXXX was paid. There was no indication that the proof had been forwarded to XXXX. I argued I did n't owe XXXX but XXXX repeated I did. I asked why I was n't contacted and told this after I submitted my proof of payment in XXXX. She said she had been out on XXXX leave. I asked if her desk was covered while she was gone and she said no. I believe this to be unfair collection practices and that I was lied to by XXXX. As I have a pristine credit report, I am livid this ended up on my credit report. So not only does XXXX try to collect on a debt already paid, but they involve Central Credit Services to harass the debtor.