WillisBack/dataset-financial-user-claim huggingface dataset:
Another user adequately summed up how this has impacted me ( please do not disregard as what follows is mostly copied verbatim ) : Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media -- seriously, there 's something wrong with the fact that I learned of this on XXXX XXXX and foremost ... and I keep up with breaking news on XXXX/XXXX/XXXX/XXXX constantly. Regardless, Equifax should have notified the millions of people whose information it compromised much earlier. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
To Whom It Might Concern, XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX XXXX My name is XXXX XXXX XXXX, I am a XXXX patient, divorced, and owner of the above real property. I am struggling on my mortgage payments, I pray to keep my only home for my XXXX young kids and I would like to have a more affordable monthly payments. Recently, I got pre-approved for a Trial Payment Plan on XX/XX/XXXX for our account, the Trial Payment is {$430.00}, Chase Relationship Manager Specialist XXXX XXXX said the amount to be paying permanently will be approx close to {$430.00} and now it could be {$480.00} or more monthtly according to the new letter dated XX/XX/XXXX we just received. I am confuse of What Chase is Doing : This is higher than what I have paid before. Language of the benefit of Modification said this option make our payments or loan terms more affordable, this is not more affordable because it is higher than before. I pray Chase to do maximum year terms and lowest fixed rate so I can continue to fufill my duty to Chase as a customer and my duty as a mother to provide a roof to my young children. I do not know how long I live but day by day I struggling to pay all the bills not limit to the first Mortgage  that I am obligated to monthly. The root of the problem was I trapped in default when the amoutn we were paying was {$400.00} in XX/XX/XXXXkeep balloonly increased. It does not make sense to pay $ XXXX/m since I went fell to default for $ XXXX/m. My heart and soul do not want to have our only home to fall into foreclosure again.
Through the XXXX of XXXX XXXX I was able to get a monthly payment reduction on my delinquent Mortgage with Bank of America to {$1800.00}. The XXXX requested the Bank restore my original payment of XXXX this is what i got.Now after 7 month later once again Bank of America has increased my Monthly Mortgage payment to {$1900.00}. i was told by them my taxes have increased.My situation is still very dire. My wife has a XXXX illness,XXXX year old child, and my single income pays all the bills in my household.I am at the mercy of the Bank to plead for another modification or refinance to somehow, someway reduce my Mortgage payment so i can stay in my home and keep my family together.Please help me, or somebody at Bank of America please help me to save my home, Because i am drowning in debt. I need very serious help i plea with my life and livelihood on the line to save my home .Please someone at Bank of America please help me with the kindness of your heart ... Thank You XXXX XXXX XXXX
Consumer has reached out to Equifax on several occasions in order for Equifax to remove erroneous information that should not be reporting on this consumer 's credit report. 
On XXXX XXXX, 2017 the Debt collector XXXX XXXX, XXXX withdraw all accounts from this Consumer 's credit report. 
As of XXXX XXXX, 2017 ) today ), Equifax continues to report this erroneous information despite having this information from the Debt Collector. 
Equifax is uncooperative and refuses to remove this negative account which is causing this consumer great harm. 
Equifax needs to remove this account ACCT # XXXX, IMMEDIATELY form this consumer 's credit report and any accounts originating from this account.
MATRIX CARD, CONTINENTAL FINANCE REFUSES TO HONOR THE CREDIT PROTECT AND LIKE WIFE XXXX XXXX MUST DISCARGE ENTIRE BALANCE OR BE SUED IN STATE COURT FOR MIS LEADING THE CONSUMER ETC
I had a debt with XXXX. over 7 years past, the debt was charged off. 
however, XXXX continues to report to credit bureau. 
I checked to make sure the account is not listed in public records,
on XX/XX/XXXX I submitted a application for a refinance on loan I have with citizens one bank for which I have a mortgage with now. this a new complaint for an old problem I have a claim # XXXX I was told that I would need to have permanent income to qualify for a refinance because I was on temporary workmens comp income. I was deemed XXXX in XX/XX/XXXX, also I have a pension and rental income I sent XXXX XXXX this income imfo and we did a loan app. I had to supply all kinds of documentation which I did. then I was told once everything was accepted I would need to submit either credit card or debit card so they would be able to pay for appraisal. I was told they would not take money or order appraisal if my loan looks like it was not going to be approved. this is XX/XX/XXXX during the month all was well, looked like they were going to approve my refinance. but then they kept emailing me for documentation I had already sent to them, I questioned why you did n't have this because I know I had sent it. now we at the end of XX/XX/XXXX I was asking when were we going to close all I got was robo type answers from XXXX XXXX. his prepared statement was that he would check into it shortly unfortunately his shortly was 2 weeks. when I asked about why I had to send duplicate imfo he submitted the same robo answer. so I emailed him back and replied that your shortly is 2 weeks or no response at all. then on XX/XX/XXXX I got a called from XXXX XXXX to imform me that my refinance was denied after all this time, he knew it was denied before me, then he went into my account on XX/XX/XXXX and took the appraisal fee when the time to withdraw it from account it had expired. just like I had so much time to submit my documents if I did not submit them in time the loan would be cancelled. this is bad business and borders on criminal. this time there excuse for not refinancing me is that my rental properties looks like a loss on paper from my taxes. for real!! these people are bankers they know how that works I showed XXXX the same taxes when they refinanced XXXX houses for me they knew when you file your taxes sometimes it shows a loss but that does n't mean you are not able to handle responsibilities I 'm sure they have a lot of investors such as myself that they refinanced and did first mortgages for this is how banks make money.
RE : Request for Investigation of Unauthorized Inquiry, I checked my personal credit report, which I acquired from your organization on XXXX XXXX, 2017, Report Number XXXX, and I noticed unauthorized inquiries had been made. 
I contacted ALL inquiry sources, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile.
On XX/XX/XXXX I noticed that there was a charge for {$160.00} on my debit card that I had not authorized. It was to a XXXX store that I had little to no history of shopping at. I also was not in the XXXX area that day, making the purchase virtually impossible. 

I immediately called Chase bank and was forwarded to the claims department, where it was determined that my debit card had been compromised. I have been told by numerous people that this is a possibility, even with a chip card, and it is not uncommon for this to happen as a result of using your debit card at a gas station. Chase cancelled the card, said they would be sending me a new one, and refunded the money to my checking account. To my understanding, the issue was solved. 

On XX/XX/XXXX, without contacting me to give an explanation as to why, Chase suddenly withdrew {$160.00} from my account. When I reached out to the claims department, they stated that this was because I lived in the same city where the purchase took place and because the card had a chip it would have been " virtually impossible '' to compromise. Clearly, this was not the case. My card was compromised. 

Not only did Chase refuse to refund the money, they suggested I launch my own investigation utilizing cellphone pings. When I contacted my phone provider, they were unable to provide me with this information. 

I have only filed one other claim with Chase, ever, when an ATM machine did not accept my money and the matter was quickly resolved. The debit card was cancelled immediately after I discovered the error. I have no history of shopping at the vendor. I don't even know what was purchased, nor do I have any receipts to prove it.

Most frustratingly - when Chase pulled the money would of my account, it triggered an overdraft fee. I am currently left without money to buy food, gas, groceries, or anything related to basic needs.
PHH Mortgage was reporting negatively to the credit bureaus during the time I was being monitored through a chapter XXXX bankruptcy. This has caused serious problems for my family and the purchasing of our new home. My wages were being garnished by the BK Co the entire time and they were making the payments on time for me. We provided my bank statements along with the payment history from the BK Attorney and PHH is still refusing to correct my credit. I contacted my bankruptcy attorney about this and he was going to get me some information on the payment process from the ChapterXXXX office, however, he stated that 1. The payments were made electronically and 2nd, that they should not have been reporting to the credit bureau until after the bankruptcy was discharged. 
I also spoke, again with PHH Mortgage today and the lady I spoke with suggested I file a dispute claim with their Credit Report Disputes department, which after I get the information from my attorney I will do as well. I wanted the CFPB to know so that other consumers are aware!!! This has caused me entirely too much stress and wasted my time.
Per the requirements I have been sending payment with instructions to Navient as how to specifically allocate the payment, starting with the XXXX loan ( by name and number ) and allocating all fund required to pay off that loan, and then moving to the next. I do this each time I send in a new payment. XXXX out of XXXX times I have done this, Navient has not applied the payment correctly. I have had to email them and request that they go back and reallocate the payments as I instructed in my letter. This, to me, is not only illegal, but extremely deceptive. I have followed all their requirements with each letter ( I have saved copies of each ), and yet, they continue to apply the payments to lower interest loans not specified in the instructions. Only after I send them an email threatening to report them do they re-allocate correctly. I, personally, am tired of having to do this. Navient is not only ignoring the initial instructions, they are breaking the law. I truly hope this will be looked into ; I am sure there are students who send payment and do not double check that the amounts were applied correctly.
Navient employee told me on the phone I could do the XXXX and the XXXX XXXX XXXX XXXX ( XXXX ) at the same time without issue. I asked TWICE if there was anything that was going to make me not eligible. The employee said everything looked great and I was on track. Once Navient transferred my loan to XXXX XXXX to complete the XXXX just after XXXX was approved. XXXX XXXX said that I had to start over on the XXXX because I had already been awarded the XXXX. I am only XXXX payments into the XXXX when I was closer to XXXX before. Now, when I finally meet the XXXX payments, I will be almost paid off anyway ( about 6 months away ). This information about XXXX and XXXX is a little better explained NOW but a couple years ago when this happened it was not. I even talked with financial aid counseling and no one caught it until it was too late. The employee at Navient was not honest and I am literally PAYING for it. Anytime I try to write a letter to XXXX XXXX, they ignore my complaint and only say that I have to continue paying my loan to be eligible for the XXXX. The XXXX is not helpful to most XXXX anymore because the cost of college has gone up significantly. It should be either removed or allowed to be done with XXXX. Why not? If it 's going to be forgiven anyway, why ca n't it be done at the same time?
My Bank of America Travel Rewards ( Visa ) Card is advertised as having no foreign transaction fee. On XXXX XXXX XXXX I made a purchase for XXXX XXXX and was charged XXXX USD, which implies an exchange rate of approximately {$1.00} per XXXX. XXXX discloses an XXXX exchange rate on their website of XXXX for XXXX XXXX XXXX. XXXX also discloses a XXXX exchange rate of XXXX. These rates are not inverses ( XXXX - XXXX = XXXX ). The difference in these rates constitutes a spread - the profitable difference between the rates at which XXXX buys and sells XXXX. 

Supplement XXXX to XXXX XXXX a ) ( Effective Date : XXXX/XXXX/XXXX ) makes clear that a markup over a fair exchange rate is itself a foreign transaction fee : " The foreign transaction fee is determined by first calculating the dollar amount of the transaction by using a currency conversion rate outside the card issuer 's and third party 's control. Any amount in excess of that dollar amount is a foreign transaction fee. Conversion rates outside the card issuer 's and third party 's control include, for example, a rate selected from the range of rates available in the wholesale currency exchange markets, an average of the highest and lowest rates available in such markets, or a government-mandated or government-managed exchange rate ( or a rate selected from a range of such rates ). '' That Bank of America passes that charge on to me, the cardholder, also clearly makes it a foreign exchange fee : " Fees imposed by a third party are included only if they are directly passed on to the consumer. For example, if a credit card network imposes a 1 percent fee on the card issuer, but the card issuer absorbs the fee as a cost of doing business ( and only passes it on to consumers in the general sense that the interest and fees are imposed on all its customers to recover its costs ), then the fee is not a foreign transaction fee and need not be disclosed. In another example, if the credit card network imposes a 1 percent fee for a foreign transaction on the card issuer, and the card issuer imposes this same fee on the consumer who engaged in the foreign transaction, then the fee is a foreign transaction fee and a finance charge. '' The simplest test of whether a customer is charged a foreign transaction fee is if a purchase and a return on the same day ( and for the same amount of foreign currency ) leaves the customer worse off. Clearly this would be the case : a XXXX XXXX purchase followed immediately by a XXXX return given the above spread of XXXX between the XXXX and XXXX exchange rates would cost the customer about XXXX dollars.
this collection sat dormant for a few years so i decided to make a reasonable offer to settle case..my offer was rejected and they countered offered me a ridiculous term which i declined. Then i noticed they started changing the amount they say i owed every month to effect my score falsely. I believe this is illegal and is retaliatory..!!
To Whom It May Concern, I 'm writing to inform appropriate authorities about Discover Card fraud tactics. 
During a month long trip to XXXX. Many of my financial accounts had been compromised. I 've been able to successfully refute all fraudulent activity with other financial institutions - with the exception of Discover Card. 
Their process is very unorganized, aggressive and unjust. 
Every time I call into their XXXX - get a different " customer expert ' from a different city that interprets the notes on my account inaccurately. 
On XXXX occasions I 've called in concerning status of my dispute and XXXX It was stated to me " sorry that XXXX has done this to you '' 1. XXXX is my wife and was with me in XXXX. Never have I even gave them the name of XXXX in my original complaint. There is no way she could have done any of this. This is false judgment/deformation of character and slander. 
2. I 've tried on multiple occasion correcting the " random '' customer service agents that answer the phone for Discover but have reached my patience 's end. 
3. Discover should provide consistent and accurate information when customers call in. Period.!! If that means I need to speak with the same agent, someone familiar with my case every time, use a special number, then Discover needs to assign such a person to my case. 
4. Due to the fact that Discover has got too many reps hands into this case - there have been many inconsistent account charges being credited/debited from my account. 
5. I 've not had any of these issues with other financial institutions since my return, only Discover. The company that uses " {$0.00} Fraud Liability '' as XXXX of its lures for customers. 
With the Consumer Financial Protection Bureau and other regulatory agencies now involved my hope is this can be resolved without any further legal escalation. Which might include : character damages, the subpoena of Discover phone recordings and account notes. 
Thank You, XXXX XXXX
I applied for a new credit card. 
XXXX XXXX XXXX XXXXnformed me that experian has a false social security number listed with my otherwise correct demographic information I have been trying to call experian for several weeks and can not reach anyone I have received no response to email sent to experian the bank could not help me. 
I looked at my XXXX credit report and the social security number is correct I am worried because my true social security number was fraudulently used in 2014 to get a refund from IRS. 
I need to know why experian has a false SS # in their file
My father wired me {$20.00}, from XXXX in the middel XXXX ; while I was in the XXXX. I for got and drove back to XXXX without picking up the money. I have tried to get my money for the last 20 years. I was told that my dad would have to write for it. My father is at this time my father is in his XXXX. I told them it was sent to me I should be able to pick it up and why have n't you sent it back to the sender? I was then told that I would have to go back to XXXX in order to get the money. That no matter what the money has to be picked in the state it was sent to. Then as time went by Money Gram informed me that I ca n't pick the money up no matter what I do, and I might as well let this situation go unless I get my father to write and request the money, I will never get my money. They have refused to even be civil about the situation amd extremly rude, and hang up on me. Money also refused to tell me where to file a complaint. I just happend to see this on a money gram recept. I found myself wondering how many other people this has happend to!! And it is a issue that should be looked into. My dad is now XXXX years old, at the time the money was sent he was in his XXXX 's. And for awhile we were so frustrated with how we were treated. Even when I asked to please have a written policy sent to my email so that I can see for myself why I could n't pick up my money.
On XX/XX/18 someone stole my XXXX XXXX card number and information from my XXXX XXXX account, they hacked into the XXXX XXXX and gotten my card information that was on file and made two unauthorized purchases with my card number. They made 2 purchases in the amount of {$90.00} and {$72.00} and attempted to ship it to themselves out in XXXX. Using my name and my information. I called XXXX XXXX but they kept giving me the run around. They transferred me over to the dispute department, unforturnally the line kept disconnecting on me due to high volume calls, making it difficult for me to dispute and get my money back. I don't have all this time to play with them, I need my money. I have bills to pay. I am tired of getting nothing done, they are not doing their job but transferring me and I am being cut of daily as I try to put in a dispute.
# 1 XXXX from XX/XX/XXXX to XX/XX/XXXX Was the originator of my Mortgage wich was a fraudulent loan with excessive brokers fees and charging XXXX intrest in the state of XXXX. Listed in the XXXX district court from XX/XX/XXXX to around XXXX is XXXX as the Mortgage lender .XXXX , Wich I was part of a class action Law suit for this transfer and a 2 year clause not letting borrowers refinance at a lower intrest rate, XXXX found in favor of the borrowers in this class action suite , but this did not stop the fraud. XXXX had the mortgage 3 months then transferred to Littion Loan servicing or XXXX XXXX, None of these banks are on the Mortgage as the note holder as required under consumer protection Law, 30 days in state and 90 out of state or lose your right to collect. This is XXXX State Law as well as Federal Law. When oer XXXX documents were sent to you HUD and Federal Trade Commision Documenting this fraud Litton Loan servicing was to be removed from my credit report. Not documenting payments putting insurance when I had paying taxes when not late. wich is a consumer fraud from high intrest loans mine was at 9.9 ad more. claiming less money paid in to IRS wich I sent XXXX XXXX receips to and they filed charges agains Littion Loan Servicing. then after being found for Fraud by you with the documents sent you. Littion Loan servicing transferred to XXXX. who is currently claiming there are foreclosing on my property. When the XXXX district court left XXXX XXXX do that. as they registered with an out dated notary form that they owned the Mortgage on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
This same person transferred my mortgage on the same day from XXXX to XXXX then to XXXX XXXX. XX/XX/XXXX after the Law suite with XXXX and XXXX was settled and both went bankrupt. I have had no contract with XXXX XXXX and never got anything from any one saying these people owned my Mortgage. and Litton Loan servicing was collecting my Payments not XXXX XXXX. But never registered as the bank to collect my mortgage. 

How does a bank that I never signed anything with nor agreed to this transfer with for close on my mortgage? When under my contract they could only transfer 1 time? 
How can they collect intrest after I stoped paying because of the excessive fraud also claming a XXXX dollar loan was now XXXX XXXX taking away all my equity in this property? When XXXX does not let you charge intrest like this? This is our justice system? This is consumer Protection? 
Ocwin did not foreclose on my Property XXXX XXXX did with out any legal right. How can this be? Why is this on my credit report? No refinance was offered for this fraudlent loan eather wich prompted my finding out about all the fraud. Please return my property tome and clear up my credit report within 5 days of this complaint.
I have repeatedly received calls early in the morning, as early as XXXX. I want this to stop.