WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of the Equifax security breach. Per https : //www.equifaxsecurity2017.comXXXX  ( I input my last name, last 6 digits of my social security number, and completed the Captcha ) I am affected and would wish to file a complaint against Equifax and their security practices.
At chase XXXX XXXX today I spoke to XXXX and she confirmed this is fraud. she indicated that XXXX XXXX has the case but she has always had the case and this is a big fraud cover up from within. please provide the updated information revolving around loan XXXX to the CFPB.
I had previously tried to get Dyck O'Neal to correct their improper reporting on my credit reports. This last time they finally listed the original creditor which proves they are indeed a collections account. Yet they are not listed on my report as a collections account but rather as an open loan. So this makes my account look like I haven't made payments on a recent loan these past 120-149 days. The first deliquency was XX/XX/2016. This is basically termed, 'parking a debt ' to make it appear newer than it really is and is thus illegal. I have told them I am willing to pay the debt provided they furnish me a true validation that they own the debt ( not just them saying so and not a contract with the XXXX or bill, but a purchase agreement between them and the XXXX  or a simple letter from the XXXX on XXXX company letterhead ) AND they correct the illegal parking tactic reporting they put in my report. Just correct what is wrong. That's it. No deleting, just accuracy. I even asked if I could disputed the inaccuracy and they just not reply, because they are wrong, but they declined stating they must accurately report to the agencies by law, though they are inaccurately doing so. I'm running out of available options and feel that the company 's tactics infringe on my rights.
SW Credit Systems  is violating both the Fair Debt Collections Practices Act as well as the Fair Credit Reporting Act.  SW Credit Systems  is using deceptive practices to collect money from me and they need to be investigated.   I obtained copies of my credit reports and noticed a listing from  SW Credit Systems . I did not authorize  SW Credit Systems  to obtain my credit file . SW Credit Systems  never sent me a letter stating that they obtained my credit file and that they were going to place this account on it. I then sent  SW  Credit Systems a validation letter to prove that they own this debt they claim I owe.  SW Credit Systems t hen sent me old statements from  XXXX .  SW Credit  Systems did not send me a purchase agreement, bill of sale or any type of proof that  SW Credit Systems  is legally entitled to collect anything from me. To this day , SW Credit Systems  is still reporting this account on my credit file and trying to collect money from me . SW Credit Systems  deceptive tactics are malicious and intentional.   The account I am referencing is  : SW Credit Systems  Acct #  XXXX
2 credit collection companies are trying to collect on the same debt from XXXX. Southwest Credit Systems placed a tradeline on my credit report on XX/XX/2016 and XXXX is also listed on my credit report trying to collect for the same company. I had to look Southwest Credit Systems up on goggle to get contact information. Once I contacted Southwest Credit they had over 5 addresses listed for me and none of them belong to me.
Eastern Account Systems and XXXX XXXX XXXX are negatively reporting on my credit report with XXXX in the amount of {$390.00}. I filed police report # XXXX and Report # XXXX regarding identity theft that occurred in XXXX TN with the XXXX XXXX Police Department. I have provided a police report, affidavit, and lease agreement where I resided in XXXX TN at the time of the ID Theft. I have presented this information to both XXXX and Eastern Account Systems. When I spoke to the Id Theft Department for Unauthorized Charges at XXXX they were unaware of Eastern Account Systems reporting to XXXX and explained that Eastern Account Systems should not be reporting. I have submitted information on more than XXXX occasion and disputed information with XXXX and Eastern Account Systems continues to report that I owe {$390.00}. I attempted to have cable services installed through XXXX on XXXX XXXX and they canceled my installation appointment without notice after I took off from my job. They gave me a new appointment then after having cable for 3 days they then disconnected my services because of the unauthorized charges from someone in XXXX TN in XXXX and XXXX. I do not owe XXXX or Eastern Account Systems any money. I have lost time from my job and wages because of this as well a major blemish to my credit report for several years.
I was a victim of identity thief when my car was broken into in XXXX XXXX la. I have tried to submit the police report to XXXX and disputed through credit agency. When I call numbers for XXXX, companies have different names never the same. They are trying to sue me I have yet to receive any information from them other than courts. If they would talk with my and answer my disputes with request for information so that I can forward the police report this would be easier to handle. I dont know if this is a really company or scam. I need a correct number and address.
I took over the lease of this vehicle from another man. The subject vehicle was returned in XX/XX/2017. When I returned the vehicle, nothing was said regarding any issues. Sometime later, I received a letter from Ally stating that the rear of the car or back of the car was missing and I had to pay around {$500.00} for it. I called the Ally help desk and was told repeatedly that the back of the car or rear of the car was gone and I owed Ally for it. I pointed out that were the back of the car missing it would be significantly higher than {$500.00} so none of this made any sense. I then asked to speak to a manager and they said a manager would call me. No such call was received. 
What followed was a morass of calls ( and letters ) from Ally demanding payment, with me continually stating that the back of the car was there when I turned the car in. It did not matter to the person calling, I owed Ally money for the back of the car. 
At some point ( over a month after turning the car in ) someone at Ally told me that it was not the back of the car that was missing, but rather the charging unit for the XXXX ( it is an electric car ). I told this person that I did have the charging unit. When I took over the lease from the prior lessee, he gave me the charger ( he was giving it to me with the car and I understood it was his personal property which he did not need anymore ). I was not aware that the charging unit was to be returned with the car. In any event, I told the Ally representative that I did have the charging unit and would gladly drop it off for Ally. I was told it was now too late and that I must pay for the charger ( roughly {$500.00} ). 
I told the Ally representative, and have repeated it many times to the numerous calls seeking money from me, that I was glad to return the charger but would not pay for it. Since Ally did not tell me what the actual problem was for well over a month, I was not paying for a charging unit when your firm told me that I owed Ally for the back of the car. 
The upshot of this is I recently tried to get a loan from XXXX on my home. While I would normally not have had a problem getting a loan, this issue with Ally regarding the lease of the subject vehicle is significantly and negatively impacting my credit score. The amount of the loan was limited, and according to XXXX, I was now paying 88 more basis point for the loan due to my credit score having fallen more than 200 points. The reason for the credit score falling was Ally reporting me as delinquent on this loan. This is all in spite of the fact that to XXXX knowledge I had no other payment/credit problem in my life ( I am not a young man ). 
If you check both written correspondence as well as the many recorded ( by Ally ) telephone calls you will find what I am telling you is accurate. I ask my credit score be fixed. I am, as always, more than willing to return the vehicles charging unit..
American Education Services Management needs to make a concerted effort to improve the AES website for borrowers AND co-signers. I am a cosigner for my daughter and recently attempted to setup recurring payments to her loan account while she's in school. There appears to be one option to setup recurring payments, snail mail to XXXX, PA, then watch and wait to see when change is actually implemented ( no indication of whether payment amount can be changed at later date as loan amounts grow without submitting another snail mail form ). Before throwing in the towel and surrendering to the snail mail form ( s ), I'm going to get my daughters login information to see whether i can withdraw direct from my account from her account. This process is nothing like other online processes, as online banking/bill and loan payment, online investment houses, online shopping, etc. AES Has made an already frustrating process even more miserable. Someone who understands the process needs to redesign your website and simplify the online payment process for both the borrower AND the cosigner. I suggest using online banking with online bill and loan payment options as your guide.
I filed bankruptcy several years ago, which was dismissed in XXXX of 2014. I have since waited for Ocwen Mortgage to get my paperwork straighten out since they purchased my mortgage from XXXX. However they have just now 18 months later sent me paper fork saying that my payments are past due and that I owe them a lot of extra money. and that I have made XXXX payments in one day. I want a detailed explanation of increases in escrow and past due amounts also an stop in any other proceeding until they can explain what is happening.
I AM LIVID WITH EQUIFAX AND XXXX XXXX. I HAVE BEEN TRYING TO UNLOCK MY CREDIT REPORT SINCE SATURDAY XX/XX/2017. FIRST I TRIED TO UNLOCK MY CREDIT REPORT ON XXXX 'S WEBSITE, BECAUSE I HAVE SOME URGENT BUSINESS TO TAKE CARE OF. THE REQUEST CAME BACK ADVISING THAT MY REQUEST FAILED AND TO CONTACT CUSTOMER SERVICE. WELL I HAVE BEEN TRYING TO GET MY CREDIT REPORT UNLOCKED. THIS HAVE BEEN A TOTAL NIGHTMARE AND I CAN NOT GET ANYONE AT XXXX AND EQUIFAX TO GET ON THE SAME PAGE!!!!!! THEY ARE NOT WILLING TO TALK WITH EACH OTHER TO FIGURE OUT A RESOLUTION. THEY WANTED US TO SIGN UP FOR THIS PRODUCT, BUT IT 'S NOT WORKING AS PROMISED. I SHOULD BE ABLE TO GO ON THE WEBSITE AND REQUEST TO LOCK AND UNLOCK MY CREDIT FILE WHENEVER I HAVE PERSONAL BUSINESS TO ATTEND TO. I HAVE LITERALLY BEEN ON THE PHONE ALL DAY!!!! CALLING BOTH COMPANIES JUST TO BE PASSED AROUND. YOU CAN NOT EVEN CANCEL THE XXXX XXXX SERVICE ONLINE. I WAS ADVISED TO CALL EQUIFAX WHO THEN KEPT TRANSFERRING ME TO XXXX XXXX. ITS LIKE THE RIGHT HAND DOES NOT KNOW WHAT THE LEFT HAND IS DOING. THIS IS A HOT MESS!!!! I CAN NOT CONDUCT MY PERSONAL BUSINESS BECAUSE OF THESE COMPANIES AND THEIR SYSTEM FAILURES.!!!! I WANT THIS SERVICE CANCELLED IMMEDIATELY!!!
I purchased a visa master card at my local XXXX for XXXX dollars. My husband tried to use the card and it said declined. and I tired to use it too and it said declined, it was never activated. We called the number on the card and the lady was very rude and would n't listen to us. She said they thought it was fraudulent activity so it was canceled. It was canceled before we could use it. I even tried to get online and put my information in like the card said to do and it never let me. It said that the card number was incorrect. The rude lady on the phone said to fax a copy of our receipt and address and number and copy of the card to her, and that she did n't know when we could get the XXXX that we put on the card. It could take a week she said. So they took our money and do n't know when we will get it. What 's the point of a gift card if u ca n't even use it. They did n't seem to want to help and resolve the problem. She never said we would get our money back, I felt like we where given the run around. I feel like I was scammed. My husband got the money order to buy me wigs online because I 'm sick and have no hair because it fell out. And now I have to wait a week or more or may not even get the money back and have no wig to cover my bald head. I ca n't wait a week or afford to be ripped off. I 'm already sick and suffering.
You have previous complaints from XXXX XX/XX/XXXX The response from SPS was they have everything for review, yet as of today they have done nothing.As I have said previously I SUBMITTED EVERY PAYSTUB/TAXES FROM XX/XX/XXXX to the many times. 
Im requesting that you ESCULATE THIS TOO THE US ATTY GENERAL OFFICE and get a stay from any further procedings IF SPS refuses too file motion to dismiss voluntarily. 
This is insane and CAN NOT BE ALLOWED.Im aware that they r under FEDERAL INVESTIGATION. 
Please ESCUALTE AND STOP THIS.
When checking my account at Bank of America today I discovered I was charged {$140.00} for overdraft fees (  $  XXXX x4 ). I kee p  my money at different institutaions and use my checking account and BofA only to pay certain bills. I s et up an alert to notify me if my balance dropped below a certain amount, but when I was notified it was alreay after they charged those excessive fees. In addition, when looking at the different transaction they are processing the big $ amount items first so they can collect more in fees. Wi th one of the transacations I endup paying {$35.00} in overdraft fee for a cup of coffee I purchased. I reached out to  them today, but they were unwilling to offer any help even though I 've been a client for over 15 years. Thank you in advance for your consideration.
During a recent review of my credit file, I discovered a collection account that had just been added to my report. On XXXX XXXX, 2015 I contacted the collection agency via certified mail, to request debt verification. I received a response on XXXX XXXX, 2015, which contained a printed statement from the original creditor. The printed statement does not show my correct name or address. I contacted the original creditor with regards to the debt, and was informed that the only identifying information on file was a name and address.The agency did not provide any competent proof whatsoever that I am indeed the party responsible for this debt.
Around 2015, i applied for a graduate program in XXXX XXXX which i was granted and i was given a grant of 2,000 plus, but in my admission letter, it was not stated that i will pay back the grant if i drop out of the College, but the college wanted me to pay back the grant after, they have me pay the loan i borrowed for the little time i was there. 
I have asked them so many times to send me where or a letter that states i have to pay back the amount if i do not finish my course in the college, which till date i have not seen and thing from the college and just for me to see that i had been taken to a collection agency. 

Thanks XXXX
Started a refi with bank of America in XXXX 2015 today is XXXX XXXX 2015 .I fill i have been discrimanated agaist starting with the loan officer to the underwriter. Bank of America XXXX XXXX like laws have made this very frustrating.After a heated conversation with the loan almost immediately he change all my info .I havent spoken to him since XXXX, someother person has been assiting me.Never have i had such awful service .All info submitted and still no CLOSE/
I received a settlement check from my ally car financing company The check was deposited and it bounced in my account for amount of {$430.00} When I called to complain they said to send them proof because on there end it was cashed Which I submitted forms and every time I call them I get new reference new worker and no end result just that check is coming
This is synchrony Ba nk Wal-Mart credit c ard. They call me about  10  times a day every day ranging from  XXXX    XXXX   to  XXXX    XXXX   I 've asked him numerous times to stop calling me as I was without a job and could not pay until I got a new job and I still continue to call m e 10 tim es a day.
I obtained a copy of my credit report from Equifax. There 's a XXXX XXXX XXXX Court items listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Per the attached, the XXXX Courts emphatically states that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. In this case, they claim to have validated this information through XXXX XXXX. However, per the XXXX attachment, I have a security freeze on my XXXX XXXX account which makes it impossible to validate that this information is correct. I have asked Equifax to remove this derogatory information from my credit file, yet they have refused. Considering the information indicates a Fair Credit Reporting Act violation, I need all XXXX information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
I have recieved XXXX letter from TRS Recovery Services, linked to Telecheck, stating that I am being contacted due to unpaid debt for my bank account at XXXX Several things wrong ... I do n't have any debt with my bank, I have never received anything from the actual bank telling me that I have a bank overdraft amount of XXXX, and when i call the number listed it says the number is no longer in service. The letter is dated XXXX/XXXX/15 and it says to pay in full promptly, that I have 30 days to dispute. Not only can I not contact them via the number listed but I also have read that this company is being sued by the government for this issue.
I receive a notice from XXXX XXXX in XXXX that XXXX XXXX XXXX have place a XXXX bill in collection for {$290.00}. First i never received a validation notice to inform me of this matter before they just place the account in collection and on my credit report. I immediately sent them a I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it.This company has reported this collection account to XXXX XXXX and XXXX XXXX that stated I owe them in the amount of {$290.00}. I have received a return mail letter stating this account is valid. However they did NOT send adequate information that needed to validate this debt. I asked for the original contract with my sign date and signature. They just sent me a bill
New mortgage with XXXX which was sold to shellpoint mortgage company. With all of the sudden change and confusion I had sent out post dated checks from XXXX. Upon no response as to checks received when I asked on the XXXX of XXXX I issued another set of checks for the monthly payments. I informed shellpoint that I stopped payments on checks XXXX to XXXX and replaced by checks XXXX. I asked them to destroy or return the checks upon receipt and keep the new checks. Shellpoint refuse to destroy the checks but submit them both monthly. I told them I can not afford XXXX sets of checks to be cashed monthly as payment on my account. Shellpoint is charging me NSF payments and late charges to my account for every month although they are receiving the monthly payments from my account monthly. I was told that I have until the XXXX of the month to make monthly payments. The checks they have on file are dated the XXXX of each month. 
I was told over and over after numerous phone calls and also after lodging a complaint that it is my error and the fees will stand. I find it very misleading by shellpoint for charging me all these fees and also telling me my account is in good standing. I asked if I could do auto debit from my account or pay over the telephone effective now for future. I was told the checks will still be deposited and I will be charge. Checks for XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX which they should return to me or destroyed ; instead they are depositing them and they were notified well in advance that they were stopped. A total of XXXX checks I am getting charged nsf fees and late payments for each month. They were notified immediately in XXXX. When I initiated the calls each time I was told they did not have my file from XXXX. I got scared and cancelled the checks and contacted my lawyer that did the mortgage because I did not know where they went. I only cancelled the first set of checks because I was instructed to do that by my mortgage broker and the mortgage lawyer. I would like shellpoint to destroy the checks or return them with confirmation and remove the late and nsf fees they are charging me unnecessarily which will run until XXXX XXXX.
I have been disputing this debt inaccuracy for months now and my latest letter from experian said my dispute letter was irrelevant information which is so untrue, the address that the debt was originated is listed on my report at two different locations, and the dates are unfamiliar to me, the debt is so old. It was opened in 2008.
Gentlemen, Sometime of XX/XX/XXXX XXXX of Arizona posted an On-Line advertisement for a XX/XX/XXXX XXXX for {$22000.00} and went to the Dealer and Traded-In my XX/XX/XXXX XXXX for {$12.00} since, I needed a bigger size sedan. The Dealer optaine financing from the Nissan Motors Acceptance Corp. for XXXX % interest for me with XXXX months term.which included an Extended Warranty for {$2500.00} and {$1000.00} Gap Insurance. And I found out after driving home while reviewing the sale contract. The Dealer had charged the said car for {$26000.00} instead the {$22000.00} as what they advertised for the same car. I made a complaint with Arizona State Attorney Genera Office. The said Dealer had adjusted the said price and reduced the price of the GAP insurance to {$590.00} and cancelled the rest of the added option. However, The Nissan XXXX did n't adjust my monthly payment after the said adjustment. My Contract account number with Nissan XXXX is XXXX That started on XX/XX/XXXX and will end XX/XX/XXXX respectively. The original amount finance was {$35000.00} as I was upside down on my Trade-In. After the dealer returned and all those price adjustment and cancellation of all the add-ons. The Nissan XXXX failed to adjust the monthly payment term. I used to pay on my old car just {$310.00} a month. With my New Car Nissan XXXX. It cost me {$550.00} a month. I want them to restructure my car loan with them. For reasons I am a working XXXX. The {$550.00} monthly payments is blowing my budget. And might fall behind in my payment with them. I never missed a single payment with them. But, XXXX XXXX will affect my budget as time at work. I am appealing to your good office to intercede on my behalf. As I can foresee the bleak future ahead while balancing my financial obligation and the XXXX advancement for me and the future. I do hope the Nissan XXXX Dept. We give me their utmost consideration with all my undertaking. They are even rewarding XXXX with bonus rebates. All I am asking from them is to restructure my loan and payment. Even, Giving me a XXXX months term to lower my payment and achieves my goal and XXXX at the same time with a good standing with them and be a loyal customer hopefully if things turn out for the better in my situations. 

Thank You very much for your kind Understanding and Consideration and more power to Office and Staff members. 

Sincerely, XXXX XXXX XXXX, AZ XXXX
Their website does not include the loan interest rate and whether it is variable or fixed. Also, student loans should be required to show you the interest that is accruing each month, just like credit card company statements. When I inquired with the company they would n't tell me whether it was variable or fixed. This is a deceptive business practice designed to trick students and must be stopped.