WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax was hacked. They have a tool to check if you were included, which is nearly every adult in the US.  Instead of telling you if you were hacked they auto-sign you up for their TrustedID Premier service. So not only is my information insecure, they use this moment of panic to both market to me and continue to perform a bait and switch without my consent. This is disgusting. 

Here is the text of their warning on their website. It says " OR '' but never provides an option to sign up, while never sharing if hacked : Equifax Cybersecurity Incident : To learn more about the cybersecurity incident, including whether your personal information was potentially impacted, or to sign up for complimentary identity theft protection and credit file monitoring, click here And here is the text you are provided when submitting to see if you have been compromised. You are forced to use their service : Your enrollment date for TrustedID Premier is : XXXX/XXXX/2017 Please be sure to mark your calendar as you will not receive additional reminders. On or after your enrollment date, please return to faq.trustedidpremier.com and click the link to continue through the enrollment process.
Equifax poorly performed its duties in seuring my personal and financial information. 

They were recently hacked ( XXXX XXXX, XXXX ), and have confirmed that I have been a victim of the hack ( as of XXXX/XXXX/XXXX ). The company demonstrated gross negligence in this matter by : 1 ) Waiting over a month to alert the public ( me ) of this breach and security risk.
2 ) failing to secure data in a manner accordance with the laws and standards ( PCI and PII compliance was not met ) 3 ) Acting insufficiently in the aftermath ( Filed a press conference as opposed to contacting me directly, having a weak PIN solution for credit freezes ) Due to this breach, from this point forward I need to be vigilant over my credit report as now anyone can have access to all of my personal data. This will require at a minimum, a premium monitoring solution. It 's entirely reasonable to assume that I will also need to deal with a compromised identity in the future, which will take hours of personal time and effort to mitigate, and can potentially range into the hundreds of thousands of dollars in damages.
XXXX XXXX, XXXX was being reported on all 3 of my credit reports. On or about XX/XX/XXXXI disputed this item with all 3 credit reporting agency and on or about XX/XX/XXXX XXXX XXXX was deleted from all 3 credit reports. Now we are in XX/XX/XXXX, XXXX  XXXX, XXXX is now being reported again
I have submitted several complaints in regards to the deletion of obsolete credit reporting on my credit file. Transunion is also reporting incorrect payment history with this obsolete account with  XXXX   XXXX , account number  XXXX . I have not been late. I am within my rights as per FCRA to have old account stemming from  7-10  years of age removed and this old account fslls within thst category. Transuion should have removed the old account ; is too old to be on credit file ; however, since  Transuion  did not remove the account, I requested for deletion. I also requested verification of form of dispute and who verified the dispute. I requested this information so if the old debt is not removed from credit file, I will have the information when I seek legal representation for the removal of the outdated account
For the past two months I have requested that all 3 credit reporting agencies address and correct multiple errors on my credit report. However, once their investigation is complete they do n't fix nor remove anything but instead stare they have updated my account information with each debt collector I inquired about. Sixteen negative remarks are from the Department of Education and XXXX  ( both student loan lenders ). These two debt collectors have multiple listings of the same account number and loan. I found that one account is reported four separate times. The credit reporting agencies are maliciously and intentionally allowing the lenders to falsify my credit report. I know this to be true because each debt shows up repeatedly. Moreover, the creditors have multiple accounts listed as : each debt collectors name, account number, initial balance owed, listing date, and have N/A reported for current amount owed, monthly payment applied, etc. Also, the credit reporting agencies have inaccurate addresses listed, phone numbers, valid prior addresses have been deleted or removed and they also have two negative remarks that are medical debt. The medical collections are also counting against my credit report and score. Please advise
The law firm of XXXX have contacted my family members in an attempt to reach me to collect a debt. This has upset my family, and me, especially after they are trying to collect a debt that is more than five years old, and after being requested to submit any correspondence and contact information in writing.
In XXXX XXXX we were contacted by our Mortgage servicer stating we had missed XXXX mortgage payments XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. We acknowledged missing XXXX of those payments, XXXX XXXX. We submitted our checking account balance activity for the period of time that the missed payments were to have occurred. We also included photocopies of the endorsed checks stamped by the mortgage company showing they were deposited into the mortgage company 's XXXX XXXX account. We submitted a written qualified request XXXX XXXX, XXXX requesting a researched answer to the amount in arrears. We also have paid {$800.00} towards the amount we believe we are behind. Nationstar acknowledged receipt of this letter XXXX XXXX, XXXX and said they had 30 days to respond but most likely would have an answer within 7-10 days. We have yet to receive an answer from their research department. We 've received several other confusing communications from them. XXXX XXXX, XXXX I sent another letter requesting a researched answer. We assert our overdue amount is {$1800.00} of which we have already paid {$800.00} of. Our figure represents XXXX missed payment {$1300.00} for XXXX XXXX and 10 months of late fees {$410.00}. 
The confusing communication from Nationstar has included saying our overdue amount is anywhere from {$5500.00} to {$2900.00}. We received communication saying we have varying amounts in unapplied funds. We 've received communication stating they are returning funds to us- though those amounts have been deposited by Nationstar XXXX Also their communication states we face acceleration and possible foreclosure. It seems like the left hand does n't know what the right hand is doing. As soon as we were made aware of this issue we have researched and done our best to become current. This lack of a researched answer to our dispute has caused distress and anxiety.
Creditors called my aunt and uncle 's home and cell phones looking for me. I had never given them their information to contact them. I called Ally Financial to tell them not to call my family and they assured me that they would not. They told me that their number was not one they used to contact me. When I asked how they were able to obtain such information that said they did not know how or why they were being called. They said a third party may be responsible but they were not able to give any further information when I requested it. They reassured me that they would not be calling them again. However a few weeks later my aunt and uncle called saying they had more harassing phone calls from the company.
There is an account that is reporting twice on my credit report. Once by the original debtor and one by  the company that purchased the debt. This is still showing as derogatory XXXX/ XXXX  XXXX and XXXX XXXX XXXX XXXX. This is hindering me from purchasing a home due to the derogatory status.
Bought {$5000.00} worth of  XXXX  from Coinbase on  XXXX   XXXX .  XXXX  was promised to arrive in my Coinbase  XXXX  wallet on  XXXX   XXXX . It is  XXXX   XXXX  today and I still do not have the promised bitcoins. Funds were taken out of my bank account by Coinbase. Coinbase customer service is non existent.
Company Involved XXXX, XXXX : Chase Bank On Saturday afteernoon XX/XX/XXXX I went to my neighborhood XXXX to return an item for the amount of {$17.00} using my debit chase card and On Monday XX/XX/XXXX my Chase XXXX account was credited the full amount. Later on in the evening of XX/XX/XXXX my XXXX Chase card was debited {$110.00} from Target. I was made of aware of this transaction on Sunday evening and immediately called customer support to file a claim with Chase Bank advising them that a transaction was made on my debit card that I did not authorize nor was I anywhere near a XXXX store to make this transaction and that I was concerned that my account was in jeopardy. My debit card was immediately cancelled and a new card was issued to me and I was given {$110.00} credit back to my Chase checking account until an investigation was complete. On Friday XX/XX/XXXX I was looking at my on-line mobile chase app and noticed the Chase Bank reversed the claim charges of the amount of {$110.00}. I immediately called Chase customer support to fined out why the charges were reversed and I was told by customer support they felt that because my debit card was used via " Chip '' insert it is their policy to deny the claim because of the security of the " Chip '' yet I had the customer support manager confessing that it seemed unusual that this would occur on the same day at the same XXXX location I am beyond frustrated and feel I have been a victim of fraud and yet I have been denied by my very own bank. My claim # XXXX. If I could be of further assistance please feel free to contact me.
XXXX XXXX XXXX. at XXXX XXXX XXXX, XXXX PA XXXX ( XXXX ) XXXX obtained my credit report from XXXX XXXX at XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX on X/XX/2017. This inquire for credit purposes was then released to other credit report agencies which is illegal. Additionally, I do not remember ever applying for a loan with XXXX XXXX XXXX.
I received info from XXXX stating that the information on my credit report is accurate from XXXX XXXX XXXX, however when I spoke to the person who collected my last payment he made it clear to me that it will be removed, now its showing as charged off / settled for {$290.00} which us another lie because I paid {$300.00} because of this back in forth I have no other option than to sue this company.
In late XX/XX/XXXX ( twice ) I made sure to set myself up into an income base payment plan over the phone, because I knew I would be losing my Job in XX/XX/XXXX. They were able to defer my loan and I would be all set. Come XX/XX/XXXX I noticed my credit report showed that I was 90 days ( and some 120 days ) late. This was all supposed to consolidated into one loan, and deferred. I have disputed this several times with both the credit bureaus and with Fed Loan Servicing ( who manages the loan for Dept. of Education ) but they will not comply or admit fault and remove the negative remarks from my credit report. I issued a summons in small claims court, but they had their lawyers move it to Federal court -- -which I can not afford an attorney to handle in Federal ( they knew what they were doing ). All I want is for them to do the right thing and remove the negative remarks off my credit. I have a job now, and intend on paying my loans back, but because of my job loss, I had to eat away at my savings, and dipped into my credit cards. I 'm stuck and struggling to get by now.
A company by the name of MCM has reached out to a higher department at my work through via email to unknow co workers within the healthcare system
I have a loan with BK OF AMER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX and BK OF AMER with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
I am a Chase customer who had fallen to hard times. I had charges against my account that were NOT paid by the bank, as in declined due to negative balance. Yet they still charge XXXX for each zap. I dont wnat to have an extra {$500.00} negative balance just in fees for NOT having the money and accounts charging were not paid either. I accept NSF fees only if the overdraft is paid.
NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Per XXXX reporting regulations and the XXXX XXXX XXXX XXXX format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim XXXX XXXX ). Per law, any deficient of substantial and evident matters of fact XXXX XXXX ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of hich is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider -- XXXX XXXX XXXX Not Proven Compliant Account -- > XXX
Due to a " Regulation D '' violation ( too many transfers ), my savings account through Citibank , N.A . was closed on XXXX XXXX, 2015. All correspondence up to that point indicated that the funds from that account ( {$4100.00} ) would be transferred over into my Citibank checking account. It it currently XXXX XXXX, 2015 and those funds are nowhere to be found. Every Citibank representative with whom I have spoken has given me a different answer as to when I can expect to receive them ( including the XXXX week when no mention of a check was made, whatsoever ). At this point, I have absolutely no idea when I can expect to receive this money, and Citibank has been no help to me at all.
XXXX XXXX has reported a {$920.00} bill on my credit that does n't belong to me. It was for a child that is not biologically mine and was not on my insurance. It should be reported on her father and or mothers credit, not mine. I have called both XXXX XXXX and Capital Accounts which is the collection agency it is with and they keep giving me the run around and telling me they ca n't do anything and to call the other one, that they are the only ones that can make changes. I have been trying to get this resolved for 3 years and am tired of it. I am trying to clean up my credit and this is n't helping. If it was my responsibility I would take care of it, but it 's not and I just want it off my credit.
My husband and I had what we thought was a home equity line of credit on our home but found out that is was a loan that matured at then end of so many years and the total amount of the loan would be due. The loan was with PNC bank, the approximate amount of {$82000.00} and was due XX/XX/2017, we started working with PNC in XX/XX/XXXX to get this loan converted into a regular second mortgage loan. After speaking with numerous people we finally receive a call from a representative that sent us a package to complete and return. Weeks after PNC received the information they finally contacted us needing more information. I would call the representative that was suppose to be our contact person and leave messages regarding the loan and would rarely get a phone call back if one at all. I can not count the times I left messages and no call back. Once we did hear from her we were told that our debt income ratio would not support the loan. We were told to supply them with more information regarding our income and we did so. There again I was trying to get in touch with her because I knew the loan was coming due and there again no call back. I finally had to email someone at the branch to get our representative to contact me. Again, we were told they could not help us with the loan, even after they have had the loan for years and could look back and see how we paid each and every month with not a late payment at all. We then went with another bank supplied all information they needed and toward the end of the process with no problem. But when the mature date came due ( XX/XX/2017 ) and the total {$82000.00} was not paid in full PNC hit our credit with a late payment which dropped both our credit scores by XXXX points and I am sure we will get another hit for XX/XX/XXXX. Because of this, drop in our credit score, our new bank has put a halt on the loan. Therefore, PNC will not grant us the loan and they are preventing us from getting it with any other bank. We just need for PNC to remove the late payment so our credit score will go back to normal and we can get the loan and pay them off.
bought used XXXX truck at local sales outlet in XXXX 2016 with trade and cash. Received new loan from Westlake Financial ( XXXX ). Given 1st payment date due ( about 30 days out ), amount and payment address from dealer. Had to call Westlake for account number. No bill/statement sent thru USPS. Set up payment by check with my banks online account. Payment delivered 5 days before due date ( verified ). Received call from Westlake on day after due date claiming late payment. I had to waste time researching check number for them. Check was finally cashed about a week later. Now it 's been another month and I paid early again thru a different online bank account. Same result. Westlake calls 3 times same day insisting on payment. Check number was harder to research here and when I attempt to phone Westlake back all calls are dropped before reaching an agent. Over two months have passed and still no bill or statement via USPS. I have repeatedly verified my address every time they have called. These people have completely soured this truck trade with headaches/wasted time and I 've only made two payments. Is this a legitimate company? I made a large down payment and the value is well above the loan amount. Could they possibly repo my truck by claiming I have n't paid when they seem to loose every check I send?
I was never late in paying my XXXX XXXX account. The account was on autopay set up through Synchrony Bank and that had been the mode of payment since establishing the account. I paid the account off in 2013. I do n't know how they can justify destroying my credit by stating that I was 30 days late for account number XXXX. My credit score has dropped at least XXXX points because of this false reporting to all XXXX credit bureaus!! When I call and wrote ( certified mail, twice ) Synchrony Bank they refused to take this enormous mark off my credit. That account has been dormant for several years. This behavior is not in good faith and I dispute the last report to the credit bureau. Please investigate and remove the late payment from 2013 off my credit report.
My dispute is against XXXX XXXX XXXX XXXX My wife and I attempted to refinance our home last year and discovered a lien in my name filed in the land records of XXXX XXXX , Georgia . Pursuant to lenders instructions, we had to satisfy the {$1400.00} lien at or before closing. My wife and the lender attempted to contact the creditor to no avail. I contacted an attorney in XXXX to assist with acquiring the necessary information from the creditor to satisfy the lien. The attorney contacted several attorneys before finding the firm handling Midlands accounts. It was discovered that the creditors attorney failed to comply with Georgia law and re-file the lien within the seven year period from the original filing date. Therefore, under Georgia law, the lien was expired. However, the title company informed our attorney that the lien must be cancelled of record in order to obtain title insurance for the refinance transaction. Herein lies the problem, representatives from the creditors attorney stated there was no money due for the account in my name. When our attorney asked for a cancellation of the lien, the creditors attorney would not cancel the lien in the county land records. My wife and I asked our attorney to obtain the amount to pay off the debt. Again, our attorney contacted and spoke with several persons with the firm handling Midlands account and could not even obtain an amount to pay the debt off. We have been trying to refinance our home since XX/XX/2017. We can not refinance our home due to Midlands failure to release the lien or provide an amount to pay off the debt. Also, we have suffered significant damage because the interest rate locked by our lender has expired. We were not waiting for approval to refinance, but ready to close the transaction. Our attorney has suggested a suit against the creditor for slander of title. However, it our position that extra money on our part should not be spent. We are willing to pay monies to the creditor, if we can speak to someone with authority to handle the situation. We would like any assistance in being able to contact XXXX XXXX to release the lien or negotiated a payoff for satisfaction of the debt. Thank you.
I have had Wells Fargo for over several years now. The purpose of my complaint is because I was  XXXX  in the beginning  of 2017 b y the United States  XXXX  to  XXXX . While away my checking account took A large loss of funds by someone making unauthorized transactions in the United States. Upon arriving back t o America I acted acco rdingly and notified the bank immediately after finding out. I was notified by my personal attorney of the The Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer  Act ( EFTA ) and did everyt hing correctly. I also notified the bank that I have Military orders that show I was   XXXX   XXXX   XXXX   but withi n two days  after filing a dispute they denied my claim for reasons that show an investigation was not fully done. Wells Fargo stated because there was a transaction that included the entire claim of  over 20 transactio ns and over {$1000.00} of my hard earned money was denied. Yet again after filing a compliant to CF PB, A   XXXX   XXXX   XXXX   XXXX   from  the ATM/Debit C ard Executive Office r eached out to me stating the reasons he believed the fraudulent transactions were authorized due to no incorrect pin attempts. The fraud activity could not have been authorized because I was in the   XXXX   XXXX     XXXX   XXXX   XXXX   and have even went as far as to furnish and provide my  Military orde rs to help with the investigation.
Equifax has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX