WillisBack/dataset-financial-user-claim huggingface dataset:
Apparently my data was stolen from Equifax as part of their massive data breach. This is beyond unacceptable. Their " protection plan '' wants me to waive my rights to sue them in the event that someone uses my personal data to carry out fraudulent activities using my identity. Additionally, their coverage is inadequate in that the actual impact of a potential fraudulent use of my identity may result in damages far greater than what they offer.
This is a serious issue that a company that I have no business with, no contract with and no control over has this much of my personal information. What recourse do I have in the event that something happens as a result of this breach? What is the CFPB 's recommendation regarding waiving legal options to get their 1 year of inadequate coverage.
This should not be optional coverage, and it should have no limit nor term. Should identity theft occur as a result of this breach, it should be Equifax 's responsibility to cover the damages regardless of when they occur and how much the damages are.
These companies should not be allowed to have access to this data without the individual 's consent. People are effectively forced into a business relationship with a private company that clearly has inadequate protections in place. As a result, millions of American 's are at risk to massive fraud and financial damages.
I was in a hospital and the bill was to be paid by the VA in XX/XX/2013. The hospital took the information and was paid. The XXXX emergency specialists was given the information every time I or my wife talked to them and they failed to bill the VA. I found out it was out for collection and told OPTIMUM OUTCOMES INC to contact VA they said they could not pay up so I instructed them to send it back to the doctor so it could be billed they refused and said they were going to collect on it. I told them the VA would pay the bill IF THEY WERE BILLED. That was last I heard until recently I had a call about my son 's credit and thought the recently visit to hospital was being collected already and called and found out the bill was still in collections. I called the VA and was told if the XXXX would send them the bill they would look at it review it and pay it. EVEN THOUGH VA policy is doctor has to bill them within XXXX days. I called the doctor back explained all this to them and told them they had to submit the pink part of the bill what ever that was for payment they refused because it was to old and the collection agent has it. I either want them to take this off my credit report and bill it or write it off. Their not being paid was not my fault THEY NEVER EVEN BOTHERED TO BILL IT and they hold a government contract to accept payments from the government for payment of patient expenses XXXX, XXXX, or VA. If they failed to follow the contract that is not my fault they were notified WHY if the VA was paying the bill would I refuse to provide them the information?
I would like to know if PNC bank loan officer violated any laws. And if there is any way PNC can refund the money we paid for an appraisal that should have never being ordered by PNC bank.XX/XX/XXXX my husband and I applied for pre-approval of a mortgage loan with PNC Financial Services Group, XXXX XXXX XXXX MD XXXX. We were pre approved so we began looking for a property. From day one I was clear with our Pnc loan office XXXX XXXX XXXX ID XXXX that we were looking to buy a property that may need repairs. After we found a property I informed XXXX about the condition of the property, it was a foreclosure. The HVAC system was destroyed, some pipes and sheet rocks was missing from the basement area. XXXX said once there was a kitchen we should be fine. When our contract was accepted, we sent a copy to XXXX ; now I am not sure if he went over it. It clearly stated we were buying the property As Is. And on several occasion XXXX said the XXXX condition was not a problem because our agent was also concern about HVAC condition.XXXX suggested we could ask seller to fix. I reminded him we agreed to buy as is so they would not fix, XXXX then said he can set up an escrow account for repairs. He was clear about it because the seller agent was trying to see if seller will pay for follow up inspection after we close ; to ensure that repairs were done. After the appraisal the underwriters wanted the pipes replace, Hvac fix and sheet rocks replace. XXXX still said he can set up repair escrow account ; we got contractors to go out and look at the property. After all that he comes back and say the property may have mold, we need mold certification and later that same day he calls our agent to ask him if he can get seller to make repairs. Apparently XXXX did not know that PNC could not create an escrow account for the repairs, they did not provide that service. How can he work for PNC as a loan officer but do n't know what product they provide? Why should hard working people suffer because he do n't know what he is doing? He Placed our {$2000.00} earnest in jeopardy and we lost {$500.00} on the appraisal. The time we lost in the process is the worst part, we are renting and every day counts. After I confronted XXXX he said he can pay out of pocket for our next appraisal but we need to find another property, because PNC can not finance our current property. I always taught it was the loan officer responsibility to know what product thier company offers. He even recommended a lender we could use, like we was crazy enough to use his referral. Who gives him the right to tell us what property we should buy, the way he handled everything was very deceitful. I have reached out to his manager and he was no help. No one should have to go through what we had to endure with our loan officer from PNC bank.
My personal information along with my addresses are not mine XXXX of those addresses are not me at all!!!!
I contacted National Credit Systems after a rude woman by the name of Ms.XXXX called me. I sent back the form I had to fill out concerning the fraudulently debt so National Credit Systems could do their investigation regarding the debt. Also, I took it one step farther and contacted XXXX XXXX XXXX and spoke with XXXX the assistant manager. She informed me that once I dispute XXXX XXXX should receive the dispute and she would have them {$0.00} the charge out for identity thief because they have no paper application, drivers license and none of my personal contact information. National Credit Systems has failed to contact XXXX XXXX XXXX. When you dispute a collection charge the collection agency has to follow up with the original creditor and National Credit Systems has fail to due so. Please investigate National Credit Systems and have them send the CFPB proof that National Credit Systems has disputed tis with XXXX XXXX XXXX. Ms. XXXX who works at National Credit Systems is very rude and unprofessional. Again if I have to pay this debt I will take National Credit Systems and XXXX XXXX XXXX to court.
On XX/XX/XXXX I attempted to use my XXXX XXXX ( Social Security XXXX   benefit ) card to purchase items at a local supermarket near home in XXXX MI.   I was shocked when informed my card was " invalid '', knowing there should have been more than enough money to cover my small purchase. I immediately went online to check the status of the card and discovered things were very wrong. My geographics were changed to a new address at XXXX XXXX XXXX XXXX XXXX GA XXXX  on XX/XX/XXXX with new card replacement and expedited shipping fees to the hacker 's address equaling {$17.00}. Then, I discovered on the same day of my attempted shopping trip in MI onXX/XX/XXXX, between XXXX-XXXX there were 4 ATM withdrawals made in the amounts of {$200.00}, {$200.00}, {$200.00}, {$100.00}, and three {$.00} fees at XXXX XXXX XXXX XXXX XXXX XXXX GA. I called XXXX XXXX and notified them of the ID theft, robbery, forgery as the hacker would have had to sign the new card in order to validate it, and tampering with US mail. The hacker 's card was cancelled and a new card is en-route to me. But I have yet again been mandated to pay an additional {$17.00} for this card/shipment. 2 police reports were made to report the crimes in XXXX, MI and XXXX XXXX GA. The SSA admin, XXXX, and Medicare have been notified. All 3 credit bureaus have been placed on fraud alerts with credit freeze. I am highly concerned as I change passwords to my account frequently and do not give out private data, except to those privy-need to know information.
I explained I am at work and can not receive call during the hours of Monday thru Friday XXXX to XXXX. They continue to call.
Open collections AFNI from XXXX. 
I contacted XXXX on this matter and spoke with XXXX different people. No one could provide any infromation about why I was turned over to collections. When I called XXXX they had all my personal information. Since I had canceled my service over 4 years ago they had no record of my account. At the time of canceling service I was told I would not owe anything as long as I returned the equipment. I returned the equipment to XXXX in the allotted time given. 

I canceled my service with XXXX due to price increase I was no longer under contract with XXXX when canceled I returned all equipment to XXXX I provided my current billing address to XXXX I provided my current email address to XXXX I provided my current phone number to XXXX After all with I never received any emails, phone calls, or bills from XXXX.
at this writing please be advised that I am a victim of predtorary lending and senior citizen explortation loan.   nationstar mortgage has not response to my qwr request law office of   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , il  XXXX  cae #  XXXX  is theating foreclosure
I have become a victim of identity theft and am desperately trying to be proactive in regards to protecting my self. On XXXX/XXXX/16 I sent CONN CREDIT CORP documents to remove my name off the fraudulent account and they have ignored my request and continue to collect. This has caused me so much anxiety. I never went to Conns an d signed any documents someone stole my information and forged my signature or something. The police ar n't any help either but they are powerless until they catch whoever did this. 

Please help me b/c Conns is still harrassing me and threatening me after I 've sent in the FTC Fraud Affidavit. I did research on the FACTA and it is very specific on victim protection. The CEO of this company needs to education his/her employees on identity theft. 


Thank you for being a voice of the consumer XXXX
Back in 2014 a internet scam company from XXXX had me purchase XXXX products on AMX than send the products to XXXX. AMX was on the phone the whole time approving each transaction and increasing my limit as I told them exactly what was happening. When the product was sent and no money, AMX expected me to pay the amount even though AMX clear the increase in credit limit and was an active participant in the scam
I own a condominium unit in  XXXX , Illinois .I have owned it since  XXXX . Approxiamaately 9 years ago the mortage was sold  to Ocwen Mortage loan  Servicing. During that time it has been a total mess trying to deal with them. They raise the mortage whenever they want to, charge me whenever they want to. I have a speech impediament, Stuttering, so when I talk to them its always a problem. Normally its a person from a foreign country that I am talking to.I am  XXXX  years of age with serious health issues. I have  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  Prescribed by my doctor. I weigh  XXXX  lbs. and when I walk up the stairs at the condo, ''  XXXX  floor '',   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . There is no elevator in the building.I had to stop working because of my health! I was a   XXXX   XXXX   XXXX   for 37 years. I ca n't do that anymore. According to Ocwen, I am behind {$4300.00}. Loan #  XXXX . And the mortage is not going down! The principal balance is still at {$63000.00}. I sent them a letter explaining my situation. And they keep sending me BILLS!! The latest  is Delinquency Information.   dated  XX/XX/XXXX .
I called NAVY Federal Credit Union customer service number to request membership as they said I was eligible for membership through my XXXX old daughter f ( as my ex-husband was retired military ( per the Navy FCU Rep ). As requested, I forwarded the requested copies of identifiable docs to start my account ( DL, car registration, etc. ). I knew I was in the market to purchase a home through Navy so until I was ready I began to have {$500.00} per check directed deposited into my new checking account. I was excited weeks ( after deposits were made to my account ) later I was officially APPROVED through Navy 's mortgage team for a 100 % home mortgage. I found the house, signed the contract, received the Navy 's approval letter, paid the seller the earnest money - and started the underwriting process. It was at the time I was instructed by Navy FCU to pay them $ {$650.00} so they could get the appraisal ordered that things went south. I paid the money to Navy, appraisal was ordered, and while waiting on the appraisal report, I was told by my Navy Load officer that she could not move forward with the loan b/c my membership was frozen and eventually CLOSED as an invalid account. I asked for at least my refund for the MONEY lost ( including appraisal fee ) since I put earnest money down and everything based on their mortgage approval letter ... I had signed a contract for a home, put earnest money down ( no refundable ) and just gave Navy {$650.00} for the appraisal and NOW they tell me after further review of my membership application, I am NO LONGER eligible for a Navy Federal membership after all. I tried to beg the Loan officer AND Manager that I am going to lose tons of money b.c THEY did not do their due diligence BEFOREHAND. I did not do anything wrong when applying as I called and spoke with a Navy Rep who completed my my application. I should at a bare minimum my appraisal fee reimbursed by Navy FCU since it is NOT my fault that they did not tell me WEEKS earlier that I was not eligible for a membership after all. Their Manager said, that they will NOT reimburse my money and also said that I am banned from being eligible for membership for Life ... Really? For Life???? What did I do to deserve that? I asked to speak with someone else to get an explanation as to why I am being treated as a criminal and they said there is no one for me to talk to ....
I make my payments early and on time it's a fairly new loan but the interest rate charges make no sense when I first got this loan they sent a video stating that if you pay on time more of your money goes to the principal and less to the interest rate so this month I paid early and on time and their saying they had to charge me for 35 days of interest which makes no sense to me this cant be right. Please help me resolve this matter
On XX/XX/XXXX, I went into bankruptcy. On XX/XX/XXXX, I completed the bankruptcy, paying around {$68000.00}. XXXX, had the mortgage but transfer within the month to XXXX XXXX XXXX. About XXXX months before completing the bankruptcy XXXX, transfer the note to Nationstar XXXX. And as soon as I completed the bankruptcy, Nationstar XXXX, stop cashing my monthly check payments.My checks were being sent to the law firm that had represented me. No reason was ever given as to why they had done. Then I started to receive advertisements from law firms that wanted to represent me because my property was being foreclose. When my lawyer had file the bankruptcy he included a provision that the loan was to set to a Fix loan, payment set at {$350.00}, this plan was sign by A JUDGE, Chapter XXXX TRUSTEE, MY Attorney and ME. No members of the BANKS, showed up. Now I am being told that the judge should not have sing this order. At this point I do n't know who is responsible.
I received a credit inquiry alert from Experian credit monitoring service that 's provided to me. The following credit inquiry listed on my Experian credit report is fraudulent and unauthorized : XXXX, XXXX XXXX XXXX, XXXX, OH XXXX
I continue to receive credit card offers from CapitalOne at my home address. This is an issue from several perspectives : 1 ) Mail Theft - Someone can steal the promotion and with enough information obtain a credit card in my name without my knowledge. CapitalOne offers a " personal application code '' to make stealing my identity even easier 2 ) I have called and opted out of CapitalOne solicitations and yet I continue to receive these offers. I have NOT done business with CapitalOne for over 15 years because of their abusive credit business practices 3 ) I have  submitted the form with my name from the XXXX website to be permanently removed from all credit solicitations. All OTHER credit card companies have stopped sending solicitation yet CapitalOne apparently IGNORES this request 4 ) There is no CLEAR way to opt out of CapitalOne solicitation either in the mail solicitation or on-line. If you search online for CapitalOne and opt out you will see this frustration with various suggestion on how to opt out but no CLEAR way to do so
On my checking account, Well Fargo withdraw : XX/XX/XXXX amounts {$720.00} XX/XX/XXXX amounts {$1500.00} XX/XX/XXXX amounts {$6700.00} XX/XX/XXXX amounts {$1500.00} On my saving account XX/XX/XXXX amounts {$1000.00} XX/XX/XXXX amounts {$2300.00} I can not pay the amounts for my personal credit card then I check on my business bank account, Well Fargo withdraw money from my business bank account. According to legal adviser and Fair credit reporting act, Well Fargo do n't have authority to withdraw money from my business bank account.
I signed a car loan in XX/XX/XXXX. Since then, due to thousands of dollars in repairs, the loan company allowed me to get an extension on a monthly payment 3 or 4 times. I was told that in getting the extension, it would merely extend my loan by that many months. In XXXX or XX/XX/XXXX, my Loan was transferred due to bankruptcy. The new loan company has conducted business by collecting monthly payments and continuing to confirm how many I have left before my loan is paid off. That is, until XX/XX/XXXX. I called to make a payment and was told I owe a balloon payment. I have never been told of a balloon payment in the life of this loan. They are now threatening to take my truck if I do not pay $ XXXX+ a per diem interest. One of their employees told me " that's what this kind of company does. They get you to the end of the loan and then tell you to make a payment that most people can't afford. Then they repo the property, resell it and still have you in debt for the rest ''
I disputed an item from my credit report. I included all documents ( Lease agreement, rent stubs ( XXXX XXXX XXXX ), 30-Day Notice to Vacate, Collection letter ), and it still shows that I owe a debt. I have included the Credit report as well
Over 30 days ago I sent Equifax a letter disputing that the information they have reporting on a car loan by XXXX XXXX is showing inaccurate. In fact there was never a late payment on this loan. As I did more research Equifax is showing the wrong open date of XX/XX/2017, the wrong high balance of {$89000.00} and is not showing the paid off amount of {$86000.00}. XXXX  is showing the account as paid but all three bureaus are showing different balances and open dates. Since Equifax seems that they are not in any hurry to fix this problem I reach out to the Finance Company that I paid the loan off with which is XXXX XXXX XXXX XXXX, and ask them to provide me prove of payment and all data of the transaction of payment with my signature attached.
I had a Cash Call/XXXX payday loan. I went to make my payment and the account is gone and was told by the lender the account was paid in full. They said they could n't discuss the account with me. Why and who paid the account? I saw where Cash Call/XXXX was sued, who sued them and what happens to all the money I paid in?
I was referred to the American Express Platinum card by my son in law, who speaks so highly of American Express. I applied for the card and was approved. I learned later on the same day that the card carries an annual fee of {$550.00}. Upon receiving my Platinum card 2 days later, I called American Express to have my card converted to an American Express Green Card ( which has a promotional offer of {$0.00} 1st year annual fee and then {$95.00} thereafter each year ). I was told that I am not eligible for any promotional offers on the Green Card since I am downgrading the account. I explained that I am new to American Express, my Platinum account was opened lass than 3 days ago, I hadn't used my account yet, and felt it was unfair. I was told the the all of my promotional offers on the Platinum account will be null and void ( which I agree with since I was downgrading to a Green Card ) ; but I was also told that all promotions on the Green Card will be unavailable. The promotion for the Green Card is : 1 : ANNUAL FEE : The American Express Green Card will have a {$0.00}  introductory annual fee for the first year of Card Membership. Also, if you add an Additional Card to your account at the time of application, you will not be charged an annual fee during the first year of the Card account for such Additional Card and any other Additional Cards up to 5 in total. After the first year, the annual fee for the Basic Card will be {$95.00} and the annual fee for the Additional Cards will be {$30.00} for up to 5 Additional Cards. If you add an Additional Card to your account following your Basic Card application, you will be charged an annual fee of {$30.00} for up to 5 Additional Cards. The annual fee for the sixth or more Additional Cards is {$30.00} for each Card. 

2 : In addition, at the time of approval for my Platinum Card, there was an offer for the Green Card that allowed me to obtain XXXX Membership Reward Points if I spent {$500.00} within the first 90 days. 

I reviewed the Terms and Conditions online : XXXX : XXXX # offer-terms There is nothing in the terms and conditions which states if I downgrade my card, before using the card, I will not be allowed to take advantage of promotional offers on other products I might choose to downgrade to. I am being forced to lose all promotional offers or continue with an account that has an annual fee of {$550.00}. I should have the freedom of choice without sacrificing promotional offers advertised to the rest of the world.
Received a letter on  XXXX   XXXX ,  2017  to decrease credit line. It provides generic reasons for creditworthiness along with a  credit score d ated  XXXX   XXXX ,  2017 . This card carried no balance until a month ago when I put a hotel room deposit on it ... lowering the balance will negatively impac t my credit score - - so I want to challenge this decision to lower my limit.
XXXX XXXX XXXX identified me as Borrower on Car loan and I never had a car loan and it shows as repo/negative remark on my credit report ( Equifax ) and I needed it removed off. XXXX XXXX XXXX even went as far as Taking me to Court on XX/XX/XXXX. 2019 But the judge ruled in my favor and said the debt didnt belong to me. I filed a police report prior to court for fraud and it was honored.