WillisBack/dataset-financial-user-claim huggingface dataset:
I was one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax, one of the nations three major credit reporting agencies. The breach lasted from XXXX through XXXX according to the FTC. This is a new developing story and so far there have been no exact dates published. Hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. 

I took steps steps to help protect my information from being misused by following the steps regarding the Equifax Data Breach of the Federal Trade Commission Web Site. I visited Equifaxs website to find out if my information was exposed. The site confirmed that I had been affected by this breach. I then put a temporary 90 day freeze on my account to prevent future abuse.
You as a credit reporting agency continually keep returning my disputes back as verified. How is this possible if by design they never actually conduct an adequate investigation? It is public knowledge that they simply verify the disputed items by using the XXXX system. According to the FCRA this is in no way an adequate for an investigation. I have over the course of three rounds of letters have sent demands of validation and verification to the creditors and collection companies. Since there has not been an investigation into these accounts I am DEMANDING an investigation into these accounts. I am aware of your business model you are in no way responsible for the wellbeing of the public nor do you care. You are simply a data collection company that conducts only b2b business, for the sole purpose of selling data to the highest bidder, and the integrity of that data be damned. There is no actual verifiable proof that these items are in fact mine. Under the UCC have you researched or attempted to compile any contract between me and the alleged creditor, I can give resound NO YOU HAVE NOT! I therefore DEMAND that you do a thorough investigation into these accounts as required by law.

Please Delete the following accounts.

1. XXXX XXXX XXXX credit record ( # XXXX ) 2. XXXX XXXX XXXX   credit record ( # XXXX ) 3. XXXX XXXX XXXX credit record ( # XXXX ) 4. XXXX XXXX XXXX credit record ( # XXXX ) 5. XXXX XXXX XXXX ) credit record ( # XXXX ) 6.  XXXX XXXX credit record ( # XXXX ) 7. XXXX XXXX XXXX account ( #  XXXX ) 8. XXXX account ( # XXXX ) 9.  XXXX XXXX credit record ( # XXXX )
I noticed a purported debt on my XXXX credit bureau reported by the US Dept of Ed. The item the report indicated an opening date of XX/XX/XXXX, XXXX years after I took any college courses. I contacted the phone number in the report, and received a bill from ECSI which alleged that I owed them money from XXXX Perkins loans. The bill sent to me by ECSI ( the first one I ever received from them ) indicated a " last payment '' date of XXXX/XXXX/XXXX. I have n't made any payments on any student loans since XX/XX/XXXX, when I paid off all my student loans to another creditor ( and have never made a payment to ECSI ). I disputed the item with XXXX and in writing to ECSI. ECSI responded with promissory notes that totaled less ( {$1500.00} in the promissory notes vs. {$2500.00} in the bill the sent me ) than the amount of the purported debt and were from XXXX years prior to date ( XX/XX/XXXX ) indicated in the XXXX report. The same XXXX report shows the student loans opened by me when I was in college were paid in full with no missed payments to another creditor. I believe ECSI is erroneously attempting to collect a debt I 've already paid to another servicer.
I paid a merchant for a service which was not provided ( XX/XX/XXXX ), but more damage created. Original service was for ~ {$500.00}. After " repairs '' I was facing ~ {$1400.00} in repairs, after 2 other opinions. I filed a dispute with BOA ( XX/XX/XXXX ) and supplied all required documentation to dispute charges. BOA refused to contact merchant and gave a list of excuses why they would not process the dispute ( 2nd opinion not on letter head- I had 2 second opinions 1 quote one paid invoice ), they were not signed ( they were typed on company invoices with technician name and company info ), they did not have cause for damages ( quote and invoice specifically describe what was wrong and how it created additional damage ), merchant was not described in second opinion ( quote stated " previously repair was done incorrectly and caused " parts '' to sieze up damaging " parts '' and requiring " parts '' replacement. Quote was same day and 28 days after merchant " repairs ). BOA refuses to help settle ~ {$500.00} disputed charges and failed to reply within 30 period stated.
On the day of the medical appointment my spouse and I showed up at the XXXX XXXX and checked in with the insurance/payment person. I stated that my insurance had recently changed and if I was not covered, I did not want to be seen ; rather, I would walk away from incurring the charge because I could not afford it. This was all witnessed by my spouse. The insurance person made some efforts to confirm my coverage and told me that I was certainly covered and there would be no problem with going forward with the visit. Of course, later, the XXXX billing department said I was not covered and demanded {$2500.00} for XXXX visits, all charges worked up for the XXXX XXXX doctor 's visit. I offered to pay the amount of my typical deductible, which was refused as payment. They required me to submit to their disputed bill department, which I did, to no avail. Then they repeatedly called me, threatening to send the bill to collections to ruin my credit rating despite the fraud they committed upon me, again refusing just payment, as they promised to accept at the time the service was performed. And now I receive a collection letter from a law firm telling me to submit the same information all over again if I dispute the outrageous charge. On XXXX treatment visits, I rehearsed I did not want to be seen if I was not covered by insurance. My new insurance flatly refused to pay XXXX charges ( XXXX XXXX XXXX XXXX XXXX Arizona ).
I applied to change my repayment plan over three months ago, the amount of time they need for my repayment plan to update has passed, but FedLoan refuses to change my plan, forcing me to keep calling in and asking for forbearance. It is very frustrating and I have wasted hours on the phone listening to empty promises. I just want a simple change to my repayment plan but FedLoan ca n't even do this. It is pathetic.
I was asked severeal security questions, none of which I recognized. I also noticed inquires from places I did not authorize.
I applied for an investment property mortgage with Quicken loans. I was told by the loan application processor that I had a range of options for determining my interest rate by selecting points that I paid or received. I selected to receive  XXXX  points credit in exchange for accepting the highest interest rate on the spectrum. When my interest rate lock came through, it listed me receiving  XXXX  points instead of the  XXXX  I was told I would receive. When the disclosure papers came through, it had me PAYING  XXXX  points with the still highest interest rate. I was told by  two different people at Quicken that it was just a simple error and they would correc t it. They took off the  XXXX  points, but offered me no credits. I then spoke to the  Director of Mortgage Banking at Quicken who ( verbally ) told  me that they could n't honor the  XXXX  points because it was an investment property but he would issue me a credit in the amount of {$1400.00} to pay application and processing fees. On the day of closing,  Quicken st onewalled my attorney and the title company about providing final closing numbers and delayed the closing by  three hours. By  the time the final numbers came in, the credit they issued was {$1100.00}, not {$1400.00}, or even the amount that was guaranteed in my rate lock paperwork which is now archived and inaccessible to me. The original amount I was told I would receive in credits was {$3700.00}, the points I was told I would be credited wa s ~ {$1 400.00} and the credit I was told I would receive was {$1400.00}. The person at  Quicken who submitted the final numbers did n't know anything about any credits beyond the {$1100.00} and the Director of Mortgage Banking did not return my call when I tried to get clarification at closing. Quicken loans acted dishonestly and in bad faith   throughout this process.
The is a complaint against Synchrony Bank where I had several Credit cards from them. I have tried to close all of my accounts with them but they think other wise. My XXXX card I closed, my Walmart card I closed, I tried to close my Guitar Center Gear card last XX/XX/2018 and thought It was closed but it remains open, they will not close this account. I had PayPal credit and paid it off and they will not close this account as well. All accounts are paid off and I want nothing to do with this company. they have told me even though my accounts are paid off we can not close them for sixty days. There are no pending charges nor will there be ever again. I want all accounts with company gone from this world I no longer want nor do I need this company for any reason what so ever!
My credit card was skimmed / stolen and there were many fraudulent charges on my card. Barclaycard US identified the charges as fraudulent and removed them from my account. 10 days later the fraudulent charge posted. I called to get it removed, so they credited me. Then they posted the charge again. So I called again. They removed it once again. Then it posted ... again. So I called and they removed it ... for a third time. Then the charge posted once again. I have called 7 times and no one will help me resolve this issue at Barclay and it is incredibly unfair I am being charged for a fraudulent charge. Barclay has acknowledged that I should not be responsible for the charge but they still will not remove it even after they say they will and I have no idea what else I can do at this point which is why I am filing this complaint.
On XX/XX/XXXX I submitted a Certified letter to XXXX XXXX n regards to two negative inserts that was on my Credit Report. They were both for the same company but one was from the Credit card and the other one was from a collection agency ( XXXX XXXX XXXX ) both for XXXX XXXX XXXX. 
I asked to please Validate the accounts and to provide me with copies of any documentation associated with this accounts bearing my signature. 
On XX/XX/XXXX I received a Credit Report from XXXX XXXX dated XX/XX/XXXX stating that the account was verified and updated. Not receiving any proof that this account bared my signature. By that time it had been 30 days before i rec '' d any response so on XX/XX/XXXX I sent in a .SECOND WRITTEN REQUEST. stating that the unverified items listed below remain on my credit report. 
On XX/XX/XXXX I received a letter from XXXX XXXX dated XX/XX/XXXX that the account in question was Verified and updated, yet no proof was submitted bearing my signature. 
On XX/XX/XXXX I submitted my 3RD request stating that this was my final communication in regards to the inaccurate entry and yet no evidence to support their reporting was ever provided to me. 
On XX/XX/XXXX I received a letter XXXX XXXX dated XX/XX/XXXX stating that the investigation results were verified and updated. I feel i have been treated unfair from the Credit Bureau and they have not complied with my request for verification and they have also Violated the Fair Credit Reporting Act.
I can not afford a lawyer, but I have tried to fix my credit in every way possible. Equifax, XXXX, and XXXX REFUSES to remove items off of my credit report that were CLEARLY identity fraud. I provided police reports on several occasion. Ive sent in copies of my Drivers license, SS card, utility bills, FTC complain forms, detailed account information, AND police Reports ... and EVERY SINGLE form they asked for. ALL they did in return was either deny the claim, or say they never received proof, just like in my previous complaint. I will now move forward and file a complaint with the FTC, and I will look into what other avenues I can pursue. I am trying to sell my home, and buy a new one ... and because my identity was stolen I am STUCK. I need this rectified ASAP. I have done ALL I can do.
there refusing to let me speak to the underwriter i asked for an increase since this is my longest account opened they only raised me to XXXX when they gave my wife XXXX who has no credit and i always pay in full on time and i want my limit to be at lease XXXX
I purchased a plan from XXXX XXXX in XXXX and used. However when it showed up on my cardin XXXX it appeared that it was a rental and so I put a dispute on the charge. I spoke with CITI in XXXX and informed them I had researched and the charge was correct. They informed me that the credit card company would get their money. I spoke with the credit card company in XXXX and they informed me they had not received any money. I called CITI back again and they informed me that they should be getting paid but they would put in information to make sure that they money would be sent. I spoke with the merchant in XX/XX/XXXX and again I was informed they had received no money. I spoke with the credit card company XX/XX/XXXX and they informed me they had done all they could and I was responsible for paying them and that XXXX had the merchant money. They informed me and the merchant that they would have to get in contact with XXXX. After XXXX spoke with a supervisor, they claimed they were working on the problem and would let XXXX know the money needed to be cleared but that was all they could do.
We entered a payment plan with Greentree mortgage with the understanding after we completed the plan, which we did accordingly that our XX/XX/XXXX payment would be deferred. We learned this was not the case after our plan was completed and receiving a call from them requesting the payment. We were informed that XXXX XXXX XXXX, the investor decided as of XXXX XXXX, 2015 they were not honoring deferments agreements made prior to XX/XX/XXXX or after. What is our recourse?
Verbal agreement with a third party debt collector ( XXXX XXXX XXXX ) to  pay an account in full and they would remove it from my credit reports. I paid them in full ( {$190.00} ) on XX/XX/XXXX and after over a year the tradeline is still reporting on my XXXX & Equifax Reports. They have continually fought against removing the tradeline even though they originally agreed to do so. Disputes with all three credit bureaus led to only XXXX deleting the tradeline. I filed a complaint here with the CFPB and their response was " CFPB referred complaint to the Federal Trade Commission on XX/XX/XXXX. '' I have also informed XXXX XXXX XXXX, XXXX, and Equifax that they are all in violation of Texas Finance Code Section 392 which states : ( a ) A third-party debt collector or  credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state.
( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter.
( c ) The bond must be in the amount of {$10000.00}.
The TDCA applies not only to professional debt collectors, but also to any person who directly or indirectly engages in debt collection and includes a person who sells or offers to sell forms represented to be a collection system, device, or scheme intended to be used to collect consumer debts. TEX. FIN. CODE 392.001 ( 6 ), MEANING XXXX & EQUIFAX
Trading Financial w ill not submit any payment history, statements, payoff letter or any of my requests for tangible copies to a title loan I got from them for {$5000.00}. I have made several attempts to call and email for this information and they do not respond.   In addition the payments I have made for the $  XXXX /month owed have been for $  XXXX  mos  and above. That was 22 months ago.  Three  months ago I asked over the phone what is my payoff balance and I was told " {$3800.00} ''. I requested payment history, provided an email address in which to send it to and got nothing.   Yesterday I called again, they said my account was in " recovery '' ... I explained I 've paid extra every month, where is the payment history that I never received? I asked what is today 's payoff balance? They said " {$5100.00}!!! '' I ca n't get an answer from these people as to why, what or anything and I have no idea if they are practicing legitimately.
In response to Wells Fargo 's closure to my complaint ( ref # XXXX ) I am very displeased with the lack of accountability and total disregard of the financial harm inflicted on all victims of Well Fargo 's Pick-A-Payment mortgage loan that it so sanctimoniously stands behind and thereby supports. 
In a response letter dated XX/XX/XXXX, Wells Fargo has claimed that my once mortgage loan and all modification requests were handled properly. 
I vicariously disagree and have lawyer-ed up to prove the unjust handling of my then home loan and all attempts to work out this now known predatory pick-a-payment home loan via a viable loan modification. A modification that was once afforded to all pick-a -payment loan customers via a non-hardship interest rate modification option, but later was rescinded by XXXX once the finical crisis hit and when Customers needed to exercise this option the most ( have supporting documentation of MOD option ). It is my position that in XX/XX/XXXX after falling behind on my mortgage payments I requested financial relief via a loan modification, but what I was offered was yet another destructive loan agreement that XXXX called an " approved '' modification. This Modification did nothing to provide any sustainable financial relief, but rather placed my outstanding payments due on the back of the loan with no interest rate relief plan. In fact by accepting the " Modification '' the stipulation was that I forfeited my rights to pursue any legal action ( have supporting documentation ). It was at this time that XXXX, now Wells Fargo, left me with no other option other than to begin legal proceeding against XXXX/Wells, in doing so Wells dragged my suit out in court over the course of several years that when Wells finally agreed to another modification consideration in XX/XX/XXXX my financial state was not as dire as it was five years ago ... Subsequently Wells neglected to revisit my XXXX modification to see if it conformed to the mandated mod agreement of the class action pick-a-payment suit settlement. Instead Wells duped me again and applied my XX/XX/XXXX financial state as a modification qualifier and thereby rejecting my request for a loan modification and appeal. Providing no Modification or outstanding loan balance relief Wells left me with an underwater loan with the same pick-a-payment rate terms that would continue to balloon as rates continued to rise leaving me with the same destructive loan. Instead of Wells working to keep, its since outlawed, pick-a-payment loan customer and his family in their home they instead looked to drive us to our imminent financial demise and damaging credit rating via their demand of foreclosure, as again there were no payment plans being offered in lieu of foreclosure.
Over the past three weeks, we have been getting repeated phone calls from green sky financial. We went through XXXX in order to finance our solar panels. We never received a billing statement, and so when they called to say the amount was passed due, we asked for billing statement. On three different occasions, the billing statement was ordered but could not be processed due to insufficient information quote on the end of the lending institution. Over the course of the past three weeks, we have received over 20 phone calls telling us the amount is past due. We have not had any luck ceasing the phone calls Despite the fact that the bill is now paid and we still have not received the billing statement. This is harassment.
I settled my account with XXXX XXXX eight years ago and Equifax still reports my credit score with this account as a negative. Can this be reported? 
Many thanks, XXXX XXXX
Issues regarding Innovis involve representatives that are uneducated, untrained, emotional, lazy and purposely ignore and violate fair credit reporting act standards is common place. I called to get information on my credit report. Not only to receive a copy, but to dispute info over the phone. 3 hour conversations, leading to an emotional supervisor named XXXX, described my situation as suspicious because I wanted him to identify specific information over the phone. Innovis will dispute this and claim that they never did this or decline the fact that they provide info over the phone. I received partial info over the phone. Meaning I requested specific accounts listed on my report, after I fully verified my phone number, address and social sec, and physical address. The rep stopped mid-way through and transferred me to emotional XXXX who declined to provide additional info. Innovis is declining my right to dispute information regardless of knowing some of the information listed on the report. Incompetent Innovis representatives need to remove specific pieces of information from my report and decline to do so, as the standard comprehension level is comparable to a child in grammar school.
SouthWest Credit Systems on my XXXX report has it that I owe XXXX XXXX {$390.00}. Back on XXXX XXXX, 2015. That 's impossible, because I was XXXX in XXXX on the above mentioned date.
On XXXX, I did a balance transfer of {$15000.00} online using my credit card on Citibank website for a {$450.00} fee. However, on XX/XX/XXXX, the full balance plus interest was paid off automatically instead of just the minimum due being paid. The amount was paid off from another bank account. Even though the amount was bounced due to insufficient fund, Citibank tried multiple times to withdraw the fund in the next few days and overdraft fees were charged multiple times. I realized about the error and called Citibank on around XXXX XXXX and they promised to provide me an adjustment within a few days. I did n't hear anything and called back on XX/XX/XXXX, the representative promised to refund the money within 10 days and sent me an email for record. I did n't receive the refund after 10 days and called back on XX/XX/XXXX and on spoke with Customer ID XX/XX/XXXX, she says that I 'll get a refund in XXXX business days. After not hearing anything a few days, I called again sometime in XX/XX/XXXX and got the same response. I called again on XX/XX/XXXX asking to be transferred to a supervisor and the supervisor mentioned that the money will be in my account by XX/XX/XXXX. Currently I still have not received the refund and it has been 2 months. I would like to make a complaint and hope to get this issue resolved. Thank you.
My name XXXX dob XX/XX/XXXX had XXXX scam out of my account with Direct Express, I called and reported it within minutes of discovery, on XX/XX/XXXX.filled Out and returned paper work still no return of funds will be 4 weeks in 2 days, please help Me before I go broke.My Social security is put in this account, Direct Express has not meet Expectations.Thanks for any help. XXXX XX/XX/XXXX