WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. 

This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Been receiving calls for about 2 weeks from someone from XXXX XXXX XXXX. On the first call I told them that I have no debt with XXXX XXXX XXXX and that I never received collection letters from them. The person was insistent asking for a payment method while I was talking. He started to ask so fast that a I couldn't understand him, so I asked for someone who's speaks XXXX, but the person didn't let me talk. He only asked for the payment method and insisted that I had to pay the debt. I told him that a owe no money to XXXX XXXX XXXX and requested evidence of the debt. I received calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. Sometimes up to 3 calls a dya.
I was contacted by IQ Data International who 's office according to a letter I received in the mail is based in XXXX, WA. I contacted this debt collection agency to work out a debt payment plan and was put in contact with an individual named XXXX XXXX at XXXX x XXXX and his supervisor XXXX XXXX at x XXXX. I was told by XXXX sometime during the last two weeks of XX/XX/XXXX that I would only have to pay a sum of {$800.00}, and this conversation and all others I was notified by XXXX was being recorded, I first made a payment of {$200.00} and two weeks later made a payment of the remaing {$600.00} over the phone. XXXX XXXX had me give my Debit Card information and security code to him over the phone to arrange the payment, unknown to me IQ Data International had already charged my account almost {$600.00} in the form of a check that same day. I unknowingly paid DOUBLE the amount I initially agreed to and was not notified that this circumstance had transpired until my card was declined at a convenience store while I was trying to buy my child supplies and gas for my car. I have made numerous attempts at contacting IQ Data International and have received absolutely no word at all and no one has made any attempt at resolving this issue with me. At current standing my bank account is overdrawn $ -XXXX. This is absolutely unacceptable. I would be glad to let them keep the agreed upon payment of XXXX XXXX if they will refund me the other {$600.00} plus a {$35.00} overdraft fee. I have already contacted the BBB and filed a complaint, I will continue to report this issue to every department of the Federal Trade Commission, Offices for Consumer Protection, and the Trade Commissions and Attorney Generals Office of Washinton State until my funds are returned and this issue is resolved.
XXXX XXXX  XXXX is reporting my XX/XX/2017 bill as 30 days late, however, the payment was not late. The bill was due on XX/XX/17 and was paid on XX/XX/17, which is 12 days. XXXX XXXX and Experian refuse to correct the issue.
Complaint # XXXX Transunion XXXX XXXX does not show on my report as of XX/XX/XXXX File # XXXX It does not show and it is right according to the report mail to me on XX/XX/XXXX by Transunion
I took out some partnership loans when I was first out of high school to help assist with tuition and book expenses for college. I have five partnership loans that were opened in XX/XX/XXXX and XX/XX/XXXX. I never did finish college, however, I have been paying on my student loans for over 10 years. I have never been late on payments. I have five partnership loans that are all 8.4 % interest and most of the payments have been going to interest. I did file bankruptcy in XX/XX/XXXX, which I knew it would not discharge the student loan debt, so I continued to pay these loans. It has been enough time that my bankruptcy should be close to if not already removed from my credit reports. I have tried three times now to consolidate these five loans into one, so I am not getting robbed on all the interest. I understand interest needs to be paid, but I have been seeing not very much movement in over 10 years and I am just tired of it. I can afford the payment, that is not the problem. I am juts tired of paying over {$300.00} a month and only paying {$75.00} in principal payments. Every time I call in and talk to them and tell them I have been paying then for more than 10 years, I have shown I will pay, but they still will not consolidate these loans into one. It is very frustrating!
Experian wrong address Experian has a lot of the same address that are not mine. They no the right address and keep having all this false information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) -- -- -what is XXXX and who does it belong to not me XXXX XXXX XXXX XXXX XXXX XXXX who does this belong to this is not my address some more made up information that does not belong to me. 

I 'm reporting to this to the FTC as well My address at the time was XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
I have no information or details on the debt the have sent into collections as I have never been notified of this debt. There is a debt of {$970.00} on my credit report and I don't know what it is for.
I reached out to you all for help with items on my credit that are not mine. When I took a look at my report again there are still items that are not mine. I'm really trying to help my child with school and this is hurting me.XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX , XXXX  XXXX XXXX , XXXX, XXXX XXXX XXXX , XXXX , XXXX , XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX .
I have disputed with Transunion to immediately remove and delete negatives collections on my credit reports and Remove and Delete the " Fraud Alert '' .Also Transunion are allowing unauthorize collections and many unauthorized hard inquiries and inquiries. 
Transunion and credit debtors collections can not attempt to collect any debts collections because l am on XXXX XXXX XXXX and Retired. 
Transunion is allowing collections and credit companies report collections on my Transunion credit report and also allowing collection and credit companies pull my credit without my written consent. 
Transunion.XXXX and XXXX are violating my XXXX XXXX Act Civil Rights Laws. 
On my Transunion there is over XXXX or more unauthorized hard pulls inquiries and inquiries that is affecting my credit scores. 
Also Transunion needs to remove and permanent Delete a Fraud alert on my credit Report immediately. 
I have requested by phone conversations from my cell phone number XXXX and Transunion Rep stated they remove it but when l checked my credit online, the Fraud Alert is still on my Transunion XXXX and XXXX. 
I requested written confirmation by emai and regular Postal Post office mail and l still have n't receive Fraud Alert deletions from my credit report. 
I am a Military Veteran. 
This is a Urgent Matters. 
My credit scores are suffering because Transunion XXXX and XXXX are allowing unauthorized hard inquiries and inquiries and collections on my credit reports. 
As of XX/XX/2016 my Credit scores with Transunion.XXXX and XXXX is around the XXXX mark. 
Consumer Financial Protection Agency can pull my credit and view all the issues on my credit reports with Transunion XXXX and XXXX.
I have been receiving these types of letters since last of XX/XX/XXXX. I have spoken to a XXXX of representatives on your end in regards to this. The XXXX of times that I have called all representatives were unable to provide detail information as to why there is a " charge-off balance '' from XXXX? I am and have been a current provider with XXXX and can not be provided with an explanation as to why? I do not want this inaccurate information to be effecting my credit for something that is not irrelevant and or current when XXXX is my provider and have never had a problem with my bill and it being paid on time every month. 

My thoughts, concerns and question is WHY after 4 years ( charge off last payment XX/XX/XXXX which is nto true I can show I pay my monthly bill ) was this being brought to my attention in XX/XX/XXXX? Why ca n't anyone from MCM tell me XXXX who is and has been my provider sent this off? 

If MCM and nobody in the business end can provide me with any of the following information to explain to me who, what, when, and why this has happened, I wish MCM make no more contact or communication with me and wish to please be forgiven of the mysterious " charge-off '' I owe in the amount of {$190.00}. I have done all that I can do by receiving these letters, following up with MCM and I get the same run around with no answers to my questions and especially this debt going on for 4 years is now unacceptable with no resolution.
I had a membership with XXXX, which used XXXX XXXX as its credit card provider. XXXX changed its credit card to Citicard and start- ed sending me notices to change cards. Citicard, meanwhile, inundated me with application forms. I decided not to renew my membership with XXXX. Citicard, without my permission or contract, created an account in my name after almost a year lapse and had the audacity to charge me for for who knows what plus interest, penalties and fees. Citicard and XXXX act like they can not understand my objection. It is simple : I do n't want the account Citicard, I did n't agree to it and I want it expunged. 
does not know what what I am talking about
On XX/XX/2016 my computer was not working properly and soon afterwards I got a text message from XXXX ( XXXX ). They informed me my computer was hacked and they convinced me to dowload some software that amounted to {$1100.00}. I gave credit card info over phone and they downloaded the software. XXXX month later on XX/XX/XXXX same outfit texted me again and informed me my computer was hacked but this time they wanted me to pay {$2000.00} using checking account ... they asked me for check number. I immediately hung up and it dawned on me that above outfit is XXXX who hacked my computer and wanted to charge me again to download software ... .thus an online computer repair scam! I called CITI and told them what happened and they promptly credited my account {$1100.00}. They informed me and investigation would ensue and I would be recieving paperwork in mail. Several weeks later I recieved paperwork and filled it out completely and sent it back to CITI. In letters to me in XX/XX/XXXX ... CITI informed me that trasnsaction was legal and the {$1100.00} would be credited back to scam outfit AUROPCSUPPORT. XXXX things here XXXX. ) This is case of online scam that I clearly was a victim of. XXXX. ) This was NOT a case of someone fraudulently using my credit card via stolen from me ... ..I was in fact scamed into giving that info over phone which was in fact done fraudulently ... .something I informed CITI when I called them on XX/XX/XXXX I surprised that CITI credited back {$1100.00} to a SCAM OUTFIT after telling them thouroughly what happend. As though it was legal given that I gave info over phone which is not the issue here ... ..I was in fact SCAMED via clever tactics on part of XXXX. I have since learned other things of this outfit and it is posted online that this outfit a ) has a trust rating of 30 % b. ) owner is hiding identity XXXX ) malware has been detected on site .... go to googe and put in ... 'review of auropcsupport.com ' and see for yourself. 
I have called CITI fraud Dept XXXX times of this and they told me someone would call me back ... .they HAVE NOT even bothered to call me back after XXXX phone call to them! 
I sent images of documents link of what I found online after putting in 'review of auropcsupport ' on google ... they might be a unreadable but will submit these and others about this case either via mail or fax just so you know.
I am XXXX Veteran and I reported all my award letter information XXXX. I spoke with them and was told that they told TransUnion that my student loans had been discharged to Zero balance due to my XXXX veteran status. TransUnion did several investigations and refuse to remove the student loans from my credit report XXXX. I can not make purchases of a new car or home due to these erroneous items still being listed on my credit report thus lowering my score significantly.
My total loan from Naivent is {$140000.00}. I am currently paying {$1300.00} a month in student loan repayment. I am unable to afford this payment seeing as I work at a non profit and pay rent. My mother, who is my cosigner, recently lost her job and is not working right now. My monthly payment is over half my income. I have contacted Naivent on multiple occasions about lowering my monthly payment and they said there is nothing they can do about it. They suggested I consolidate my loans, but I do not have good credit. After graduating from college, I did a year of service called XXXX XXXX XXXX and could not pay my loans. Navient refused to put me in forbearance and therefore put late payments on my credit report. I asked them to remove the late payments so my credit could go up and they also refused. They have not been any help and are extremely rude. There is no way I can continue paying the {$1300.00} a month and I am not sure what to do.
This is regarding a collection account with the collector XXXX XXXX. The original creditor was XXXX XXXX XXXX They have sent me a letter through Fenton Law Firm from XXXX XXXX. 

I received a civil summons from Fenton Law Firm on behalf of XXXX XXXX months ago. There were no instructions on how to respond to it or who I could respond to. I sent an email to the law firms email address that was listed on the paperwork. They did not respond to me after many attempts to email them and follow up over a period of weeks and weeks. I then received a notice that a civil judgment had been filed against me with my local court. I had no idea how I was supposed to prevent this from happening and the law firm did not respond to my requests for assistance in settling this " debt ''. 

The debt they are collecting is not fair. I paid more to XXXX XXXX in payments while that credit account was open than I ever charged to the card. The " balance '' they are claiming I owe consists of only unfair and excessive fees imposed on the account by XXXX XXXX. None of that balance is reflective of money I had actually charged to the account. The ridiculous fees they added to my account was the only reason there was any " balance '' remaining at all. They had me in a vicious cycle of repaying fees month after month and I was n't even paying for anything I had charged at all. This should not be allowed. I paid them much more than I ever truly owed them. I can document this with statements if needed. 

Fenton Law Firm sent me a letter last month requesting a settlement amount of XXXX. It was sent from XXXX XXXX and listed her email address. I attempted to email her directly to explain what I have explained about but did not get a response. I have emailed her XXXX times. I do not wish to have any communication with them that is not in writing so that it can all be documented. I feel like they did not respond to my initial emails on purpose so they would automatically win against me and have the judgment lien placed. I offered them in my email to settle this for XXXX just to have it taken care of, even though I feel this debt is completely unfair and unfounded. This collection account has been detrimental to my credit for years now and I ca n't repair my credit until I get this taken care of. They have not appropriately communicated with me so that we could come to an agreement.
My complaint regards one DiTech mortgage payment made in XXXX 2016 ( FYI-The account was paid off XXXX 2016 ). In XXXX 2016, Ditech sent me paperwork ( attached ) which indicated that my new payment had decreased by {$84.00} because my tax escrow amount dropped. When I adjusted my online banking automatic payment, I inadvertently set the new amount to be paid in XXXX, the next month. Unbeknownst to me, the new amount was n't to be paid until XXXX. On XXXX XXXX, a DiTech representative ( XXXX ) contacted me to say I missed a payment, which he later discovered was not correct. He said my payment was made on-time, but it was short {$84.00} because I paid the new lower amount a month too soon. I immediately paid the difference over the phone ( see receipt from XXXX XXXX ). He said it was an honest mistake and not to worry about it and he would take care of it and he would also remove the fee. Then, a month later in XXXX when I was preparing to sell that house and buy a new one, I discovered that my credit score had dropped about XXXX points because of that mistake. I immediately called Ditech and spoke to another representative ( XXXX ) and she too said it was an honest mistake and not to worry about it. But, I requested a letter stating what happened for my new loan and the credit bureaus. She said YES and that it would be mailed out to me in 5 days. When I did n't receive it after 5 days, I called again about where the letter was and spoke to a third representative ( XXXX ) and she said DiTech can not do anything, not even a letter. I then asked to her supervisor ( XXXX ) who also said she could do nothing. At that time, I had my loan officer get on the phone and XXXX who insisted that she spoke for the entire company and that we can not talk to her boss or anyone else above her and she would not transfer us. She said in this matter she is the only person I can speak to. She could see from all the notes that the {$84.00} issue was correct, but she refused to do the right thing. Since that conversation, ironically, DiTech still keeps sending form letters stating that they are looking into the matter which is evidence that some people in that company think I have a case, despite XXXX 's insistence that she governs all such matters. She would not give me her last name. So, I am writing to you for help. I have had mortgages and made full payments on-time for many homes time for about 20 years and not rectifying a simple {$84.00} mistake seems abusive on the part of Ditech. I lost valuable time and lost a lot of money ( {$25000.00} ) trying to navigate around this issue. They need to honor their promises verbal or not. She could see in the notes from the different representatives that my story was true, but she refused to provide me with a letter to send the credit agencies. My credit score was once XXXX and now it is XXXX and I had to liquidate some accounts $ XXXX in order to qualify for a new mortgage. And, now I was just denied a a home equity loan because of the low score from a silly {$84.00} issue.
THIS DEBT WAS PAID BY THE VIRGINIA CRIMINAL INJURIES COMPENSATION FUND TEL:XXXX
Company was asked twice previously to stop calling me at work. Today they called again and spoke and left messages with a sales manager, the president of the company, hr manager and a payroll person ( on her cellphone )
A.R.S. 12-548 ( A ) ( 1 ) specifies a contract in writing that is executed in Arizona State.

Section 609 ( e ) ( 1 ) of Public Law 91-508, Fair Credit Reporting Act, strictly prohibits  reporting information for which there is no copy of application or substantiating signed document. 

As it stands, Wakefield & Associates are currently in violation of Section 621 ( a ) ( 2 ) ( A ) of the Fair Credit Reporting Act.
Loans opened on ( XXXX from ) XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX from ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all show the same four late payments spanning XX/XX/XXXX and XX/XX/XXXX and I was a XXXX XXXX XXXX at the time and not in repayment. Please removed these from my credit scores.
From My bank account they took money from several ATMs and made several purcharses, their are not mine and the bank does not to make responsible. I put the claim but the bank is not responsible, I have as prove that I did not take that money. Can you help me?
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from MIDWEST RECOVERY SYSTEMS in XX/XX/2017 in the amount of {$410.00}. First and foremost, I have confirmed that the debt collector, MIDWEST RECOVERY SYSTEMS is not licensed in the state of Texas to collect on this debt. Secondly, MIDWEST RECOVERY SYSTEMS violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to MIDWEST RECOVERY SYSTEMS? I have never heard of them, have no written contract with them and have never received any benefits from them, yet MIDWEST RECOVERY SYSTEMS has submitted negative information to all three credit reporting agencies ( XXXX, XXXX  and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$410.00}.
This is my second complaint for Capital One 360. This is a different issue. A check written to me ( # XXXX ) for the amount of {$730.00} was reversed out of my checking account on XXXX/XXXX/16. After talking to Capital One 360 they said it was redeposited by a XXXX customer. ( as my older complain # XXXX in which i was reimbursed ). Check # XXXX is in my possession with VOID written on the front and the back of the check. There is no way that this check was deposited again at a different bank.
I filed XXXX complaint against Wells Fargo but nothing was accomplished. I 'm not sure what good it does for filing a complaint if you guys believe whatever the bank tells you. I tried to get a pay off amount for our loan and they told me they had to order XXXX which would take XXXX to 7 days and my sale date is XXXX XXXX. The supervisors name is XXXX XXXX is his employee I 'd. We are submitting new paperwork tomorrow for a loan modification and we 'll see what they say now since my wife no longer is in the military to get les statements. It 's pretty sad that banks would force people to file chapter XXXX bankruptcy rather than work with them to save it