WillisBack/dataset-financial-user-claim huggingface dataset:
the guy said my credit card number so many times I had to ask him to stop saying it he had it the first time. he gave up the expiration date and the XXXX digit code om the back. if i get any unwanted charges on it it came from them
My house on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  nc was foreclosed in XX/XX/XXXX the second mortgage is/was held buy First Tennessee bank. they have been showing that i am " late '' on my credit report for two and a half YEARS!! I recently pulled my credit report to find this info..I assumed it was foreclosed back when the main mortgage closed. I called First Tennessee and was directed to the foreclose department and was told by XXXX on XX/XX/XXXX that they are reporting it properly and in so many words, told me that i ether set up a payment plan or they will do nothing!!! I lost this house in a divorce and the ex wife put it into foreclose and I could not stop it because she would not sign some paper work at the time ( XX/XX/XXXX ) I am simply asking for some help/guidance to get them to close the loan and move forward in the process so my credit does not show a " late '' payment this is what I sent to them from the form that XXXX stated I could fill out : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- The house on XXXX XXXX XXXX XXXX was foreclosed on XX/XX/XXXX. you have been showing this loan as being late on my credit report.. I need please review the loan and move forward to close this out.. I think that nearly three years as " late '' is very unprofessional..I spoke with XXXX in the foreclosure departmentXX/XX/XXXX and you now have all of my contact info. I am filing a report with the Consumer Financial Protection Bureau. I expect this to be resolved promptly. Thank You XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The loan # XXXX  First Tennessee Bank XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Foreclose Department XXXX XXXX XXXX  My Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX   XXXX XXXX
.    One  day  XXXX   XXXX  came to my house and referred a company that will install a water heater solar panel in my roof. He then let us signed a contract for the installation. However, when the installers came, we changed our mind and did not let the installers proceed. In others words, we cancelled the job.  One month later GreenSky started sending me the bill. So I just ignored it because since we cancelled the installation I do n't owe any money. This company just persistently sending me the bill with interest. One day I wrote a letter on the statement stating that the item was not done because I cancelled the installation. The following month GreenSky  sent a bill with interest totalling {$10000.00}. So I called again telling them that I just sent them a formal letter dated  XXXX   XXXX ,   XXXX   telling them that the job was not done. So I called again and  one of the rep.  that I talked to by the initial of  XXXX . on  XXXX  said that they never received any letter. My big issue now is that this company even reported this to the credit bureau and ruined my credit already. I want them to removed this issue on my credit so that I will have a good credit again. Thank you very much for your kind assistance regarding this issue.
I originally obtained this HELOC loan through E-TRADE mortgage back in XX/XX/XXXX because I had a huge hole in the front of my house due to water damage, so I was desperate. E-TRADE offered to help but I was skeptical because when I tried to tell them my income over the phone they would put me on hold then com back and say, " oh so you make XXXX a year, '' which was about XXXX more than I made but I went with whatever game they were playing cause I needed the money. In XX/XX/XXXX I filed for bankruptcy and all my debt was discharged accept the HELOC, it was reaffirmed. Now the only advantage for me to reaffirm that loan was to help rebuild my credit and by law the lender is required to report my payments to the credit bureau. They did not. I brought this to their attention several times but they continued to treat my loan like it was discharged. So fast forward to XX/XX/XXXXand E-TRADE raises my payment from {$260.00} a month to over {$900.00} on a {$82000.00} loan. I called them and told them there was no way I could pay that. It was way more that my 1st mortgage. I tried to get them to work with me but they were nothing but rude, so I quit paying. It was the only way to get them to work with me. 18 months later I found out they sent my HELOC to XXXX, a debt collector/loan servicer for discharged loans. I have tried to settle with them for a lesser amount a few times through refi but each time my financing fell through. XXXX had approved a settlement 18 months ago for {$35000.00} but once again financing fell through. I now have financing in place and offered them even more, {$37000.00}, but this time they said they want {$90000.00}. So here I am with a loan that they never reported any payments on in 9 years. This loan should not be tagged as a reaffirmed loan since it was never treated as such and I should not be accumulating overages and past due amounts over the bankruptcy amount of {$82000.00}. I would really like XXXX  to honor their agreement that we had to settle at $ XXXX or for this loan to just go away. I tried to due the right thing and make my payments after bankruptcy and have not missed any payments on any of my loans accept this one. I really feel I was forced into a bad situation and ETRADE never followed the law on reporting. It's too late to report 9 years after the fact and it would now hurt all the repairs I have done to my credit. I need some help. 

XXXX XXXX
I am repeatedly being telephoned by XXXX XXXX with threats of action to collect a vague debt. They often threaten legal action or other steps to resolve the matter. I have never had any type of business with XXXX and have stopped doing business with companies that use them. Despite repeated attempts to get them to stop, they continue to call me multiple times a day. I understand that this is common behavior for this company. This abusive behavior needs to be stopped. Their tactics likely scare people into paying debts that arent theirs. I hate to think of the damage they have caused.
I took my family on vacation to the beach in XX/XX/XXXX. We booked a room on XXXX on XXXX/XXXX/2015. The Business was called XXXX. The hotel had electrical problems and room smell of what we learned later was sprayed lacquer and was very filthy. It was not safe to stay in. We were force to immediately check out. The hotel was very rude and aggressive. I was with my wife and small children so we left. I immediately called my bank and disputed the transaction. Chase Bank has refused to honor the dispute even after they sent me a letter saying the dispute was final and I was not responsible for the charge on XXXX/XXXX/2015. I have the letter. Then a month later they sent me a letter on XXXX/XXXX/2015 that they were taking the money out of my account. I feel that Chase owes me the {$520.00} the hotel fraudulent charged me. Chase agreed with me and after 4 months the reversed my dispute and stole my money out of my account. This is theft they already sided with me. Now Chase refuses to help me. They are my bank and I have complete protection from this and they still refuse to assist. Banks are stealing from poor people. I had the transaction ran as a XXXX transaction. I attached the documents they sent me and my bank statement to show I had to book a new hotel and I did n't stay in XXXX XXXX where the XXXX is located. We were forced to book a new hotel is XXXX. You can see the transactions on my statement. to XXXX.
It started with IndyMac switching are mortgage to Ocwen without giving me any notice. I was in the process of modifying my mortgage with Indymac. I had to start over with the modification process with Ocwen and its going on 3 years due to a reduction in my income. I sent in all the required documents by fax and email. When time to discuss my information they always reply '' we do not have your documents ''. When I send my documents I send them repeatedly. I received a house evalution on my property which is not accurate causing me to continue to pay PMI. My LTV is more than XXXX % and I should be paying PMI.
In XX/XX/XXXX I began automatic withdrawals to Pioneer Credit Recovery and my final payment was made in XX/XX/XXXX for a total of {$810.00} ; XX/XX/XXXX-received a letter from USA Funds saying they were the guarantor and I was in default but no amount given ; XX/XX/XXXX-another letter from USA Funds but this time with C/O XXXX Post Claim Assistance and wanting payment sent to XXXX XXXX Inc. and threatening offset of my taxes for {$170.00} ; XX/XX/XXXX-letter from XXXX with a notice to contact XXXX for a review for {$210.00} ; XX/XX/XXXX-letter from XXXX and contact info for XXXX for review for {$220.00} ; XXXX from Enterprise Recovery System and again XXXX listed for review and for {$180.00} ; XX/XX/XXXX-letter from XXXX, finally no XXXX, for {$180.00} ; XX/XX/XXXX-Dept of Treasury notice of offset for {$170.00} paid to DoEd C/O XXXX. It is my understanding that XXXX is/was a subsidy of XXXX and I made XXXX payments of {$68.00} and one last payment of {$3.00} for a total of {$810.00} but yet XXXX has been haunting me throughout all of this. I have paid the final & XXXX twice to them.
Sent certified letter on XX/XX/XXXX to request verification of account. Letter was received by XXXX XXXX on XX/XX/XXXX. There response was by email/online XX/XX/XXXX to ask for further detail of proof for me to verify. XXXX has not provided me the original promissory note nor signatures.
CMC Funding has not been able to make accurate nor timely personal property taxes, even though there has been adequate funds in my escrow account for this purpose. My taxes are to be paid in XXXX and XXXX. The XXXX payment was in arrears until XXXX of 2015. CMC Funding assured me that this would not occur again, and that they would work with me. I received a delinquent tax notification from my county that the XX/XX/XXXX payment was not made. 
In XX/XX/XXXX I sought legal counsel. With his help the XX/XX/XXXX issue was resolved. CMC Funding has been in touch with my attorney, letting him know that they were working with me directly regarding the XX/XX/XXXX payment. In fact, I have had no direct contact from CMC Funding, until I notified them on XXXX XXXX 2015 that the tax was in arrears. I went ahead and paid my county taxes with penalty and interest to the amount of {$800.00}.
On XXXX XXXX I received XXXX emails regarding my account, both explaining that there were charges pending against my account which would not be able to clear due to nonsufficient funds and I would be charged {$25.00} per item unless I made a deposit into my account to cover the drafts before XXXX on XXXX XXXX. That same evening I made a deposit via the bank-owned ATM sufficient to cover both drafts. The next day I received notification that my account was charged XXXX overdraft fees of {$25.00} each. I quickly went into a branch and was told that due to the age of the ATM. the deposit made would not be processed until XXXX that day. As the teller was unable to assist me any further, I proceeded to call the bank 's office. 

I spoke with XXXX representatives and despite my assertion that regardless of the age of the ATM, the deposit was made by the time indicated on the email notices received and therefore should be credited to my account accordingly. Further, I pointed out that the Expedited Funds Availability Act requires the XXXX {$200.00} of a deposit that is not already subject to next-day availability to be made available by the XXXX business day following the day of deposit. The deposit amount at the ATM was {$20.00} in cash. 

They were willing to remove XXXX of the {$25.00} overdraft fees, but not both. I argue that according to notifications sent to me, timing of my deposit and Reg CC guidelines, I should be reimbursed for both {$25.00} fees.
When I became unemployed in late 2012, Navient first offered me forbearance and then later enrolled me in an interest-only plan. They led me to believe that my monthly payments would cover the amount of interest I was accruing and that my loans would essentially remain unchanged during this time. But I later found out that they were charging me more interest than what I was paying, so my loans continued to grow incrementally over time. I wanted to change plans, but they made it very difficult. I had to call them and provide a detailed financial picture of my household including how much I spent on food, electric, gas, etc ... per month. I ultimately decided it would be easier to refinance/consolidate the loans with another company, so I began working on that instead. In this time, Navient never offered me income-based repayment options.
I had a Bank of America and had ID theft on my Checking with XXXX.
I immediately restored my account with Bank of America and submitted the police report and Affidavit of Fraud to let them know. Bank of America stated they would not change th information and that I did fraud against my self and they will keep the information no matter what was sent in for proof.. I was also helped by XXXX to freeze my credit reports and notify all business in question.

I am now not able to get another account because of what was written.
I still have my XXXX account but wanted to get another account for safety reason can you please address this issue as I have take all necessary steps to protect myself.
On XXXX XXXX, 2015, I made a {$100.00} cash deposit into my checking via ATM location # XXXX located at XXXX XXXX XXXX XXXX, XXXX, IL. This ATM belongs to Fifth Third Bank. A deposit slip printed from the ATM showing my correct ATM card number, the date, and the deposit amount of {$100.00}. The following business day, I checked my online access account with Fifth Third Bank. The deposit had not posted. I called the XXXX branch office at XXXX and explained the situation to the teller who answered. I was advised that I would need to call XXXX and file a dispute. I called and filed. Case number XXXX was opened for me via the Disputes Resolution Dept. and I was issued a provisional credit for {$100.00} in my checking account on XXXX/XXXX/2015. I was provided with a letter regarding this transaction. 
On XXXX/XXXX/2015 I logged into my Fifth Third online access account and found the {$100.00} had been debited from my account with the description " reversal of dispute provisional credit ''. I also received in the mail a letter dated XXXX/XXXX/15 that Fifth Third Bank had denied my dispute because they had determined the ATM to be in balance. I called the Disputes Resolution department immediately and was advised to bring my ATM receipt into the branch where the deposit was made. I went to the branch on XXXX/XXXX/15 and sat down with personal banker, XXXX XXXX, and we together made a call to the Dispute Resolutions dept. where we were instructed to fax a copy of my ATM deposit receipt to XXXX. The fax was made and I was sent home with no timeframe of completion. I followed up with the disputes resolution dept. on XXXX/XXXX/15 to verify the fax was received and to determine a timeframe in resolving my dispute. I was advised the fax was ( 1 ) received, but ( 2 ) my claim was still denied because the ATM was found to be in balance. I followed up with an email to XXXX XXXX on XXXX/XXXX/15 letting him know the findings. I have not been offered any help in resolving this matter. 
I find it to be absolutely unacceptable from a customer service standpoint that a deposit can be made into an ATM, a proof of deposit receipt is provided, and yet the {$100.00} is missing. The XXXX branch has provided absolutely no service at this point. The denying of my dispute by the Dispute Resolution dept after providing solid proof is also unacceptable.
I called Navient to see what other options I may have in term of reducing the monthly payment. I know there is a process to go through after giving them all required information, to see what I qualify for. However, that process never begun because they wanted to know all the bills I had that they asked for. So I gave them all the information in terms of my monthly bills. After that, the representative told me, that they will will not go forward with this because I have to many bills, that I will be denied. what does this have to do with what my options could be. So basically, because I have to many bills, I do n't My income does n't reflect that, so they wont even help me out in terms what my options could be. Navient was very vocal to mention to me, that their not going to go forward with trying to see what I could qualify for.
The credit report from Experian has information intermixed with someone else, including address, Social Security Number, financial records, etc. I sent a certified letter informing Experian about the errors. They received the letter, but gave no response or further contact from them. There has been no attempt to correct the problem. 
I have been in contact with the person that my records are mixed with and he has had no success in correcting the problems.
I have not received a notification from Choice Recovery regarding a medical bill. And they have it on my credit report three times but it was the same visit. I don't believe they can show each procedure the doctor performed ; only the total amount due for the visit. I wasn't aware of this until I checked my credit report. I plan to pay this as soon as they agree to correct the reporting of it. I have not contacted anyone at Choice Recovery nor have anyone from Choice Recovery contacted me.
XXXX sent a collection of about {$600.00} to a collection Agency in XX/XX/XXXX. This Optimium Outcome Collection company sent collection requests to all XXXX credit bureaus and damaged my credit score!!! The debt of {$600.00} has already been PAID OFF by my health insurance company in XX/XX/XXXX!!!!!!!!!!! I called together with my insurance company to XXXX ' billing department in XX/XX/XXXX, and they confirmed that it was their mistake and they had already received the payment in full in XX/XX/XXXX. I do n't know XXXX they sent to this to the collection agency again!!!!!!!!! I request monetary remedy from both XXXX and Optimum Outcome for damaging my credit with their mistakes!!!!!!!!!!!!!!
Disputed amount via XXXX that account belong to ex spouse that fraudulently used my information. XXXX XXXX continues to report derogatory mark on my report.
In XXXX XXXX we purchased a home at XXXX XXXX XXXX XXXX XXXX XXXX obtained XXXX and XXXX loan with Countrywide. made our payments on time until in XXXX when discovered that Countrywide committed a fraud on our loan. By this time Bank of America have purchased countrywide loans. We contacted Bank of America and asked them by civil code to provide us with all the supportive documents that we submitted when originally applied for a loan. After several attempts Bo of A legal department could not provides us with documents requested but advised me to file a lawsuit and subpoena their file. We stopped making a monthly payments and preceded with a lawsuit. In XXXX XXXX XXXX Bank of America transferred /sold our XXXX loan to XXXX and on XXXX XXXX XXXX Charged it off. In XXXX I received a XXXX and a phone call that U.S. Department of Justice and XXXX XXXX XXXX XXXX XXXX including B of A. Our loan was modified. I am planning to sell the property and move to XXXX but second loan is still showing on a Deed. I need that remove and since Statue of limitation is over, loan was modified and I should not be responsible for the amount showing on a Deed. I need your help to clear my Deed
The Equifax breech made clear that none of these credit report agencies have my or any other consumer 's security in mind. As a consumer, I have no ability to manage, secure, or opt out of the system. 

Identity theft is a real problem and all to easy commit with limited knowledge of the victim. Steps have to be taken on the federal level to protect US citizens and consumers from Identity theft and misuse. As I see it, the following actions need to be taken : 1. Prohibit the social security number from being used as a means of identification. The SSN should be used only for the collection, assessment, and distribution of social security taxes only. The dependency on a " secret number '' that is required for virtually every " big ticket '' purchase to keep our identities safe is an exercise in foolishness.
2. Set up HIPAA-like protections on identity. Force modern encryption standards on all databases containing identifying data. Make it incumbent upon any agency that wants to collect and store such data to properly secure it so that breech of a database can do limited damage at most. Impose stiff mandatory fines upon any company that loses control of such data and force compensation to be paid to any possible victim.
3. Come up with a system where identity can only be verified with participation of the consumer. Possibly based on a XXXX platform. Thereby the user can explicitly control who has access to his/her identity and who does not.
With modern day encryption techniques and technology, this level of security is attainable. One of  the main duties of the Federal Government is to protect its citizens from harm. Read any account of anybody who has had their identity stolen and you will realize a living XXXX that I pray I never experience. Do what 's right, protect your citizens.
I have been filing complaints for 2 years and nothing has been resolved the only thing the XXXX and Equifax and XXXX is put on a statement consumer filed bankruptcy even though that was more than 2 years ago then lowering my credit score even more than it was before. I did not have any of the inquiries removed like i requested with certified letter that i did not authorize or know about XXXX inquiries. they did not update the information for XXXX it properly and they still have not remove payment histories XX/XX/XXXX until XX/XX/XXXX when I filed bankruptcy it still includes payment history prior to my bankruptcy That was supposed to be removed by and was mandated to do so by the Ombudsmons group. CFPB keeps closing these investigations without an resolution. Im about to file an official complaint against CFPB and ALL credit bureaus. This is old. I sent CERTIFIED LETTER THAT REQUIRED A SIGNATURE. THEY SIGNED AND DIDNT DO NOTHING AGAIN.