WillisBack/dataset-financial-user-claim huggingface dataset:
I am extremely concerned about Equifax 's massive failure to safeguard my personal information. In addition, the entire system of credit reporting and security in this country needs to be overhauled. It is ridiculous that I have to pay a {$10.00} fee to freeze and unfreeze each one of my credit reports. What 's more, these credit bureaus do n't even consider me a customer. They should charge the potential lenders the fee, not me. If you made this simple change to the laws, then this would cut down on 99 % of the identity theft. Currently, it does n't cost the thieves anything to make unlimited attempts to steal my identity. But if they were forced to pay {$20.00} to attempt to access a credit report, it would cut down that activity significantly.
I REACHED OUT TO THE CREDIT CARD COMPANY XXXX BACK WHEN THE CHARGES SHOWED ON MY STATEMENTS AND LET THEM KNOW THAT THESE CHARGES WERE FRAUD AND I DID NOT AUTHORIZE THEM OR HAVE ANY DEALINGS WITH THESE COMPANIES. AND I DID NOT GET ANY RESPONSE FROM THEM LETTING ME KNOW THE OUTCOME. SO I THEN CALLED WITH A FRIEND OF MINE TO GAIN SOME HELP AND THEY SAID THAT THE CHARGES WERE TOO OLD AND THEY COULDNT HELP ME. I AM XXXX AND HAVE BEEN THROUGH SO MUCH WITH THE CREDIT CARD COMPANY THEY WERE VERY MEAN TO ME TALKING DOWN ON ME AND IM SO  STRESSED OUT ABOUT ALL THIS. I WILL LIST ALL THE TRANSACTIONS THAT WERE MADE ON MY ACCOUNT ; FROM XXXX CREDIT CARD ; XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX THIS IS ALL THE CHARGES THAT WERE MADE ON MY ACCOUNT THROUGH THE YEARS OF ALL THE MONEY THAT WAS STOLEN FROM ME TOTAL OF XXXX AND THE CREDIT CARD COMPANY WILL NOT HELP ME WITH NOTHING. THIS IS VERY UPSETTING AND IT MAKES ME SO UPSET HOW THEY TREATED ME AS THERE CLIENT AND NOW THAT IM XXXX THEY TELL ME I FORGOT I DID ALL THIS AND TOLD ME SOMETHING IS WRONG WITH ME AND I NEED TO GO IN A NUSRING HOME. THIS IS JUST NOT RIGHT. PLEASE HELP ME GET ALL MY MONEY BACK THAT WAS TAKEN FROM ME OVER THE YEARS PLEASE.
XXXX/XXXX XXXX transferred a mortgage that had been paid in full and released a XX/XX/XXXX mortgage with countywide that had already been released. We continued to pay Ocwen under threat of foreclosure until they released a XX/XX/XXXX mortgage that was also released twice. Now we are transferred to XXXX also under threat of foreclosure for a brand new loan no one ever gave us. 

1. They are collecting {$8700.00} for {$6900.00} Taxes and insurance 2. In XX/XX/XXXX there was a new loan set up that no one gave us and charged us a {$450.00} late fee. 

The only explanation is that the loan started over. - what does this mean? What is this loan?
At the end of XX/XX/XXXX, I went through a very nasty divorce that brought financial burden on me and lots of instability by making me change my residence 5 times in 2 years and lastly ending up living in my car for 8 months. Despite all these events, I was able to secure employment and an apartment. Meanwhile, the Student Loans were sent to a collection agency that imposed very high collection fees. On a debt of $ XXXX, the agency added $ XXXX.in collection fees. I called the collection agency on two occasions ( XX/XX/XXXX & XX/XX/XXXX ) and wrote them once ( XX/XX/XXXX ) in hopes to lower or remove the collection fees, but they refused. On the contrary, they mentioned that the collection fees will be going up every month if there is no payment received on the entire balance due of {$31000.00}. For 8 months, I lived in my car during XX/XX/XXXX-XX/XX/XXXX. How can I have {$31000.00} in my back packet to pay them when I need to pay rent and secure food and shelter for myself?
I have attempted repeatedly to work with TransUnion to remove three hard inquiries that were made on my credit report that I did not authorize. The date listed is for XX/XX/2017. I am repeatedly told by TransUnion, that there is nothing I can do about the hard inquiries, and that I need to contact each hard inquiry and attempt to get them to " write a letter '' on my behalf in order to get them removed. We I contact these companies, they are confused as to why I need such a letter and refuse to assist me. I have been working on this issue for over a year now. It is imperative that this get resolved in order to have the credit rating I have worked hard for. Listed below are the hard inquiries I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
There is information of SANTANDER CONSUMER USA on my credit report. I do not have, nor have I requested a loan from this company. I would want proof any documents signed that state I am owner of this debt.
The amounts filed on the attached vary from their {$11000.00} balance. I have been paying {$400.00} a month for 7 months and there is about a {$1000.00} discrepancy between their balance and mine. The interest rate is also higher than daily rate disclosed on the attached paperwork.
On XXXX XXXX, 2015 I received a letter from American Express Co XXXX AE XXXX. dated XXXX XXXX, 2015. The letter states " A merchant where you used your AE Card detected unauthorized access to its data files. '' I called AE to inquire as to what merchant was involved and when the breach was found, but AE told me they were not given that information, so we closed the account. I believe that AE, and all credit card companies, should receive full details of data breaches and be allowed to pass that information along to affected card holders so they may be better aware of impacts to their personal credit and identity theft. I also believe that withholding this information is not in the publics interest and serves the criminals by allowing them to operate in the dark. I ask that you, or AE, provide me with full disclosure of this data breach. Thank you for your time.
I received a loan from XXXX XXXX XXXX back in XXXX and the vehicle loan was paid off in XXXX! I had a late payment twice and it is still on credit report after 5 years that the vehicle was paid off. I was delinquency XX/XX/XXXX and XX/XX/XXXX that was 7 years ago! I think it should be dropped from my credit report bye now! Equifax report!
ON XXXX/XXXX/2016 @ XXXX 
I phoned AMERICAN EXPRESS & advised a female representative to CANCEL ALL BUSINESS with AMERICAN EXPRESS et al ; due to their inability to correctly respond to fraudulent activities reported to AMERICAN EXPRESS & police by this author ; & AMERICAN EXPRESS failing to assist with the prosecution of the offender. 

ON XXXX/XXXX/2016 XXXX My wife & I submitted e-mail to 'AMERICAN EXPRESS ' documenting our previous verbal cancellation. 

YET, WE CONTINUE TO RECEIVE mailings from AMERICAN EXPRESS ranging from 'ACCOUNT IS PAST DUE ', 'FAILURE TO PAY ', TO the receipt of TWO NEW AMERICAN EXPRESS cards (! ) ; that included a notation- " You can cancel your card without obligation to pay any fees or charges until you se it to make a payment. '' Both my wife & my AMERICAN EXPRESS cards were destroyed on XXXX/XXXX/2016- the date of our cancellation. We have made no attempt to do business with AMERICAN EXPRESS since in any way, shape or form ; & wish their mailings to cease, immediately ; as these mailings now should be considered harassment by mail. Postal authorities will be notified.
On XXXX XXXX, all of my inquiries were deleted. I logged in today and they were back and I did not receive any notice.
I recently completed a short sale of my previous home. I had XXXX mortgages on the property. The primary mortgage was completely paid off and the second mortgage received a portion of the remaining balance. I thought the sale went through appropriately and we coordinated with the lenders to make sure they would accept the terms. After the sale everything appeared to be processed correctly ; however, I was recently notified that the second mortgage lender ( Citibank ) is suing me for the remaining balance. This is extremely upsetting because prior to the sale Citibank provided a letter stating they were accepting of the terms and waives their right to pursue deficiency judgement against me. I am now in shock and nervous about what to do. I thought we did everything per the book and now I 'm in this mess. Any help would be appreciated!
I have a credit card with XXXX balances ; XXXX balance is a transfer rate at 0 % and the other is purchases I make on my account. I am making excess payments that I understand from the Federal Credit Card Reform Act that should decrease my balance on the interest part of the card, however I am told by US Bank that that is not correct and I must pay off the card before the interest part of the account starts paying.
So on XXXX XXXX while at XXXX XXXX Course I noticed a charge on my Government Travel Card that I did not make or authorize, when I called Citi they said that some one gave my card number to the travel company instead of another soldiers card number when booking their travel. So I called citi bank to dispute it around XXXX ( XXXX ). Citi bank refused to do anything about it and said they would not take off the charge and that I had to talk to the travel agency that booked the flight, so I did. I called XXXX XXXX XXXX at XXXX And talked to XXXX and XXXX who said that they got my card number from XXXX XXXX, who is the XXXX account manager, and charged my card {$570.00} for travel. XXXX XXXX gave the travel agency my card even though the personal info on the account he was supposed to give had a birthday of XXXX which is clearly not my birthday. The travel company called Citi and told them it was charged by accident that same day and the XXXX account manager called Citi on XXXX XXXX to tell them the same but Citi still refuses to remove the charge from my account. Then in XXXX I called them again and here we are now in XXXX and they are still refusing to remove the charge and they said that even though they know it is an unauthorized charge they 're going to keep the account in the past due status and they refused to send me a letter stating that they know it is not my charge. They are saying that there 's nothing they can do about it that I have to find a way to take care of it even though I already reported it to them that it is not an authorized charge. Originally I was supposed to get a refund from them because I had over paid by about {$180.00} on a previous bill but now I ca n't get the refund or the charge taken off my account
XXXX calls everyday more than 10 times per day. When the phone is answered by an employee XXXX is very abusive and derogatory. He calls me a XXXX woman with no manners. That I am XXXX and can not add or subtract. He even asked me if I was alive during the day when I would not answer a question I did not know the answer too.
I  XXXX   XXXX , hereby report an illegal collection against me personally an indebtedness that is no longer enforceable in th e Commonwealth of M assachusetts. In addition, the account balance in question was a corporate account with   XXXX   XXXX   XXXX   that was settled through one of my corporations back in  XXXX . The account dates all the way back to  XXXX , and the matter does not apply to me personally. This organization known  as LTD Financial Services, L. P. I re alize that this company  may  be in 100 % compliance to deal with Massachusetts consumer as a licensee with the Massachusetts Division of Banks, but this matter was a commercial one, and the legal timeline for any collection activity has long passed. The matter was 100 % negotiated with   XXXX   XXXX   XXXX   back in  XXXX , and has absolutely no connection to me by personal guarantee, and the six-year timeline has long passed.  LTD Financial Services L. P.  acquired my information through debt pooling arrangements that the Federal Trade Commission has levied fines against such abuses against individual in the tens of millions of dollars over the past few years. My information needs to be purged by not onl y LTD Financial Services, L.P. , but by   XXXX   XXXX   XXXX   as well. This account information and any reference to  XXXX   XXXX  has no personal connection and needs to be purged permanently.  LTD Financial Services L. P. i s in strict violation of my rights under the Fair Debt Collection Practices Act and  Commonwealth of M assachusetts  General Law.
I borrowed {$9800.00} fro m Avant  and it turns out the interest rate is predatory at 33.95 %. I called to ask for an interest rate reduction. I was given the standard " you agreed to the terms '' speech, but as I remember, it came in pieces and I did not see the entire contract until the transaction was completed and the money had been deposited into my account. My complaint was escalated to the compliance department which can only be reached by email so do not have any faith my interest rate will be lowered or that I will be contacted in the stated 20-day time frame.     My credit rating is fair and I did expect an elevated interest rate but this is usury. I would like to warn anyone with a fa ir credit score co nsidering using Avant for a loan to ask what the interest rate will be because I do n't remember getting the contract before the money was deposited into my account.
I am writing to dispute a fraudulent debt on my credit in the amount of {$7000.00}. I do not recall this debt. I am requesting that the debt is removed off my credit report with the XXXX bureaus XXXX, XXXX ( r ) and TransUnion ( r ) and any finance and other charges related to the fraudulent, as well. 

I have previously sent you a request to validate our debt under Texas Finance Code and all I received was an itemized list of the alleged charges you claim I owe you, which I do not. I did not receive a lease agreement showing my signature nor the required information by Texas financial code. This does not meet the Texas Financial Code guidelines of what constitutes proper debt validation and must be deleted. Please remove off credit reports for Transunion, XXXX, and XXXX. I am attaching a copy of the original DV letter with the Texas Code on it and will be contacting the Texas State Attorney General office on your non-compliance and better business bureau. I have listed below how you are not meeting the Texas Financial Code. 

Please note Transunion, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. 

If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX, XXXX or TransUnion ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : *Violation of the Fair Credit Reporting Act *Violation of the Fair Debt Collection Practices Act *Defamation of Character National Credit is sending invalid information on behalf of the Merdian/UDR and this is completely fraudulent and not owed by me. Remove this from my credit, you have been reporting this fraudulent debt for 6 years. 

XXXX has stated they have no record of my information, yet they are reporting on my credit report. This needs to be removed.
Company calls my cell phone repeatedly from " spoofed '' numbers from area codes XXXX, XXXX, XXXX, and XXXX ( all Alabama area codes where I live ) and every time I tell them NOT to call me again until I receive something in writing from them showing where all efforts to bill BOTH my insurances in the proper order have been exhausted. They have NOT sent me anything and refuse to quit calling, but tell me every time that they are " making a note on my file to not contact me again. '' The last straw was when they called while I was in intensive care in the hospital and they refused to let me hang up without threatening to take away my XXXX check.
I was prequalified for a mortgage iao $  XXXX  with   Pen Fed Credit Union   on  XXXX / XXXX / 17  I then submitted all my financial documents, and was " Approved '' to purchase a home iao $  XXXX .     After getting the inspection, appraisal, title, insurance I was told the  UW made a mistake and denied.       Multiple Pen Fed e mployees advised me both verbally and in writing that a n UW  had reviewed the file and there were no issues.     I can understand this issue not being addressed during the Pre-qualification stage, however I submitted ALL m y Income & Asset d oc 's to PenFed on  XXXX , it too k 2  weeks to determine the loan did not qualify??     In addition, Title work, Inspections, Appraisal,  Home Owners Insurance have all been completed ... we   were set to close  XXXX . Not to mention my lease expires this month, so  I may  be potentially homeless ... .hopefully my landlord did not lease my apartment.     I can certainly understand guidelines, policies and procedures. However, the # 1 question I have is, why are we just now having this conversation?? The typical mortgage transaction should take roughly 30 days or less in a perfect world ... surely your underwriting staff is not waiting until da y 14 to  rev iew Income? ? There definitely was no delay on my end, I had all doc 's uploaded usually w ith in 24hrs .     After bein g a PenFed m ember for  9yrs I certa inly did not expect that this would be my experience, especially considering this bein g one of  the most important financial decisions of my life. I was misinformed and miseducated the entire process.
After receiving several threatening phone calls from XXXX, I gave them bank information via email. They proceeded to collect on a debt which was previously paid. When I contacted the banks ( XXXX XXXX XXXX and CitiBank ), I provided the previous payment information, including a forgiveness of debt statement from the IRS. I let the banks know I was being called and threatened with arrest even though the bill was in dispute. Based on my email, those banks paid the collection agency. Now they are harassing me on the phone, they know I am XXXX and lost my job.
Before you attempt to read this message I want to let you know that this isnt a letter to collect debt. I am writing this letter as an affidavit and a dispute. The accounts listed in this letter is inaccurate and is an error. ERROR ACCOUNTS : XXXX, XXXX  XXXX & INQUIRIES WILL BE IN THE ATTACHMENTS. I have contacted your company 90 days and you seem to be ignoring me which let me know that you are aware of every certified letter I sent to you and you have nothing with my signature bearing my signature or any documents that is attached to me. By law you must remove the items immediately and I am only allowing 24 hours for this to be resolved. I am unaware of the accounts and inquiries listed. I mentioned this in 3 previous letters 90 days ago but your intentions were all wrong and youve violated my rights as human being and Im forced to take legal actions for using my consent with out contacting me. This is a special moment for me knowing that we will be in court soon because you owe me time and damages that youve caused stress and more to my life than you ever can imagine. I will be filing a lawsuit very soon and will be looking to be compensated an amount of {$30000.00} for all the damages.
Ongoing issue with Ocwen Loan Servicing.No mentioning now of any loan modifications in incomplete mortgage file or in response to Florida Attorney General 's office.Both loan modifications omitted from file.Latest was approved in XX/XX/XXXX.Revoked by Ocwen without providing adequate legal basis.Trial payments were made.Payment under new agreement was made and applied.Consequent payments returned.Requesting AGAIN to get complete copies including cover letter of both loan modifications.Questionable misconduct by XXXX XXXX assigned Florida attorney representing Ocwen in Court.Failure to disclose Loan Modifications in initial complaint to courts.XX/XX/XXXX GMAC Mortgage had a four per cent fixed rate.XX/XX/XXXX XXXX XXXX Ocwen Loan Servicing Relationship Manager called me and conformed Hamp Modification was approved with payment of XXXX Dollars monthly escrowed.Fixed rate.Questionable dual tracking based on timeline events.Served via Publication when available and charging XXXX XXXX County unnecessary fees for such publication.Questionable vendetta because prior verdict not in favor of plantiff.
Paypal refuses to refund a purchase that I have proved was a fraudulent transaction of a product I could not use. 

I used my Paypal account to purchase a ticket to an event in the XXXX, from a website called XXXX believing it was an authorized ticket seller. When the ticket arrived it was in someone else 's name and I had paid 3 X the face value. It was a scalped ticket. I filed a dispute BEFORE the day of the event to attempt to get a partial refund and because the ticket was not in my name. The vendor did not respond in time, and eventually paypal closed the dispute without even advising me via email. 

Online the dispute explanation cited : " The item violates the PayPal Acceptable Use Policy. It 's ineligible for PayPal Buyer Protection ''. When I called to have this reasoning explained the representative said " oh you can ignore that, its just a standard response that does not relate to your claim. Your claim was denied based on the fact that the vendor says the ticket was still usable ''. Strange to publish a reason it was denied, but then explain that was not the reason. On the day of the event, I was unable to use the ticket as the vendor checked my ID and the name did not match my ticket. They denied me entry to the event, confiscated the ticket and told me to check their ticket terms and conditions. When I did I saw that they do not permit 3rd party ticket sales or their tickets to be resold on the internet. Paypal does not offer the capacity to submit a NEW dispute on a charge, so I was forced to APPEAL the original dispute/claim, even though it is actually a new dispute. I advised them of the following : 1. I went to attend the event and was not admitted as they checked my ID. 
2. The basis of Paypal 's last determination was that the ticket was still valid, regardless of the name on it. 
3. This has been found to be untrue and incorrect. 
4. When I questioned the event organizers who were not admitting me, they advised me to consult their website for the ticket purchase terms and conditions. 
5. I did so, and found that the vendor XXXX with whom I engaged in this transaction was violating the terms and conditions of the ticket sales from the issuer, and therefore sold me an unusable product, in a fraudulent transaction. 
6. I uploaded a PDF with a highlighted paragraph from the ticket issuer website pertaining to resales. 
This is the link XXXX 7. I use Paypal for such transactions as I believe it provides me protection from fraud 8. I expect this amount to be refunded, and retrieved from the vendor in a timely manner. 

The claim was denied by Paypal with only this explanation : " After careful consideration, we 're unable to decide this claim in your favor at this time. '' This process and outcome is not acceptable to me. Paypal has engaged in a fraudulent, cross-border transaction, and refuses to refund my money.
I filed a complaint reference # XXXX. I received a response that the inquiry was satisfied in 2008. Not SATISFIED!! I was not offered any documents supporting the evidence of this TRANSACTION. I have the ORIGINAL CD in my possession. I have contacted the representative XXXX XXXX directly at ( XXXX ) XXXX. I have received no response. I contacted BB & T before the initial complaint was filed in person at my local bank, then by phone at the XXXX office with NO RESPONSE at ALL. The documents supporting this TRANSACTION I would LIKE to have sent to me VIA emal and mail ASAP. I am attaching THE REAL AND ORIGINAL COPY OF THE CD that I am seeking for my funds due to ME ....