WillisBack/dataset-financial-user-claim huggingface dataset:
I became aware of a security breach at Equifax via a news item that popped up on my XXXX. Using the tool on their website, it indicated that my personal information has been compromised by the cyber security hack that occurred at their company. I am in fear of becoming a victim of identity theft given the amount of personal data of mine that has now been compromised. 

This complaint is two-fold. 1 ). I never authorized Equifax or any credit bureaus to collect and hold this data about me. 2 ). If they are going to hold onto this personal information in this digital age, and that information is of paramount importance in our modern society from a financial standpoint, it must be protected with the utmost care and security. Apparently Equifax does not care about the security of the personal data they have amassed about me without my consent. 

Lastly, but not least importantly, having read various news reports, I find it HIGHLY suspicious that executives at Equifax had reportedly been aware of this breach for months, and then sold millions of dollars worth of stock just before this news became public.
I filed a complaint against this company for harassment of my daughter on her cell phone and the company used that opportunity and the CFPB response system inn order to attempt to verify this debt instead of using proper practices to do so. Using the complaint system as a way to verify possible debts with consumers.
When I bought my home in 2015 the XXXX XXXX company was a paid prior to being a charge off and is reporting wrong. 
I am trying to get a fixed 30 year loan and this is now back on my report incorrectly please fix ASAP as I will not be able to refinance
Contacted Navy Federal Credit Union on Saturday, XXXX XXXX, 2015 to set up my mortgage payment for XXXX. Received rude, unprofessional and unethical treatment from a Mortgage Collection 's Rep by the name of XXXX. I placed a call to them to set up my payment - half of it was to be scheduled on XXXX XXXX and the remaining portion on XXXX XXXX. Was advised, in a rude and unprofessional manner, by XXXX that I could not set up my payment. I asked if she was trying to force me in default and then she placed me on an excessive hold while she went to discuss my arrangements with a supervisor. When she came back to the phone she said she could set up the payment as I requested and I asked to speak with the Supervisor that she consulted with regarding my situation. She refused to transfer the call, saying he was in a meeting. Ultimately, I was able to schedule my payment but I should n't have to put up with this type of treatment. I should add that I have never made a payment more than 30 days late on the mortgage that has been with Navy Federal for many years now. If additional information is needed, please contact me.
NOT AUTHORIZE INQUIRY EQUIFAX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, IL XXXX XXXX FCU XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX / XXXX XX/XX/XXXX, XX/XX/XXXX Creditor Contact Information XXXX / XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
The company failed to validate the debt, which is a violation and in return deleted it from my XXXX tradeline but then in return added it to my XXXX without properly validated the debt, in which a written notification of debt validation was submitted on X/X/2018.
Called my relatives. Mom and aunt. Threatened garnishment within 24 to 48 hours.
I reported in XX/XX/XXXX against a furniture store to Bank of America and XXXX XXXX that the furniture store would not accept a return I asked for reporting the item was defective and fraud. I was assured that the charges would be reversed under such conditions.. A banking representative indicated all she needed was a statement in order to reverse charges for a refund, which I did. I made several attempts to return a Mattress, several phone calls, etc. I am requesting my funds to be reversed back in my checking account. The bank indicated too much time has lapsed when I reported this issue in a timely manner. 
As a consequence, the merchant had every excuse not to return the Mattress. 
A Banking representative even contacted XXXX XXXX and everyone at the store indicated that he or she can not speak English. However, on the contrary ; the furniture store ; in particular wrote in English and XXXX who answered the phone wrote the order. 
Recently as of yesterday ; the bank stated that my charges could not be reversed due to a time-lapse. I wrote all my statements and provided information in a timely manner to Bank Of America. Bank of America has insurance for such claims. Bank of America reversed the charges from my checking account in the amount of {$580.00}. 
This has been going on for seven months, and this claim should have been resolved. 
The Merchant even indicated to the Bank that I am enjoying the mattress ; which I never used and welcome the opportunity even today for XXXX XXXX to pick up the Mattress. 
I contacted the Merchant immediately after receipt of this Mattress, and the merchant was very uncooperative, and I could not even speak to a representative which is unethical business practice and fraud.
Source Receivables Mgt., account no.XXXX  has been placed on my XXXX file and my XXXX file and may appear shortly on my XXXX file.The collection account is for original creditor XXXX.This debt was previously owned by XXXX XXXX ( CFPB COMPLAINT # XXXX ), and after them by XXXX XXXX ( CFPB COMPLAINTS XXXX,XXXX,XXXX ). 
ALL COMPLAINTS DESCRIBED THE FRAUD OF THE ORIGINAL CREDITOR XXXX and all disputes ended in deletion for that fraud ( will attach my story with XXXX here ). 
In Addition it is commonly known that even today XXXX services do not function in XXXX XXXX for the lack of sufficient cell towers to provide adequate service. 
Some attorney could do well with a class action for selling phones and service that do not work.Call any Realtor in the 8 cities of XXXX XXXX to ask about cell service..not any of them will have XXXX because realtors can't put up with interference and dropped calls.
This Company would call my phone 10-20 times per day and they would also call my family. neighbors and friends and most of all my Mother who then relayed conversations with the company about where i was working, and asked her if she was able to let me borrow the amount of money i was late paying and when she refused they would do the exact same thing with my sister. They then locked me out of my own account and i could n't log in to make a payment. i sent 10+ emails and help tickets to get the account unlocked but they refused and repossessed my car. I never recieved any type of help from them after they totally cut me off from my own account and info. i called their numerous times trying to get it unlocked as well. I explained that it was my one and only way of making payment and they said i had to pay to get it unlocked. Their resolution for everything was known by them that it was impossible for me to comply. I was to call instead of using the website but i repeatedly and specifically told them that where i live Cell phone calls were impossible and i do n't have a land line. Knowing that email or the website was my limitation they used it to make demands and made them my only option. I was in the 4 th year of A 5yr loan that i accessed only on their website coobberating my assumption of ulterior motives and unfair, underhanded and unheard of method of customer support.
I have contacted both XXXX and XXXX  regarding Capital One Credit Card on both credit reports it is showing late payments for the months of XX/XX/XXXXandXX/XX/XXXX 
I was not late on those months.
On XX/XX/XXXX, there was a fraud charge on my card. I informed My banking institution, they gave me provisional credit for XXXX. On XX/XX/XXXX the provisional credit was taking back, i called the bank and i ask them why did they take the money out of my account, the banker told me it was taking because they did not receive my my claim back that was mail to me, i informed her that i did not receive the form. The lady informed me that the claim was put in as a dispute, i informed her that it was not a dispute that it was fraud. So the lady informed me that since this was fraud that they were going to wave the check fees. The lady also told me that i had to go to my home branch and sign the documents, then they could rush my provisional credit, so i went to the home branch and sign the documents. then i called the bank again and informed them that i went to the home branch and signed the documents the lady told me ok, then she told me i will receive the provisional credit in three days.I called the bank back on XX/XX/XXXX what happened to my provisional credit, the lady informed me that my claim was denied, and that is why i did not receive the credit. I informed the banker how could she deny my claim when they made the mistake and file it as a dispute and it was fraud, and i did not make this charge. I informed the banker my wallet was lost. and someone found my wallet and use my debit card, my pin was in my wallet because i had a head injury so i forget stuff real fast. I also informed the credit beaural That my Identification was stollen also. they waved the fees but they denied the claim.
TransUnion suddenly added XXXX ancient derogatories to my credit report -- XXXX! With XXXX update. Prior to that, TransUnion showed I had XXXX derogatories. And all of these " new '' derogatories are years old -- not new, there are multiple repeats, AND they 're items that had already dropped off my credit report ( they 're just under the name of new collection agencies ). It makes it hopeless. I have 0 % debt today, I am 100 percent on-time with my bill paying and only had medical debts to begin with, and that because I was hit by a driver with horrible insurance and spent the last 7 years having XXXX after XXXX I had to pay for out of pocket. Before that I had a high credit score, owned my own house. There is no American Dream -- or hope of avoiding today 's monstrously greedy landlords when we 're trapped and unable to buy a home and control our monthly housing costs because of these horribly inaccurate bureaus that everyone gives such power -- even though everyone knows how wrong their information is. A banker told me that it wo n't be long before they 're abandoned by mortgage lenders, etc. who know a credit score today is pretty much useless in determining someone 's credit worthiness but the computer program makes them enter the number. For now. But in the meantime, their carelessness damns anyone who falls victim to an unlucky event as much as any debtor 's prison did. There is no way out.
I purchased my home in with a 30-year mortgage in XX/XX/XXXX and was originally with XXXX  XXXX XXXX. In XX/XX/XXXX I refinanced to a 15-year loan with XXXX XXXX XXXX XXXX. I have made every payment on time without any late or missed payments. I filed bankruptcy ( chap XXXX ) in XX/XX/XXXX and was informed by my attorney to not reaffirm but to continue making my payments as agreed. On XX/XX/XXXX I made a lump sum payment and paid my mortgage in full. On XX/XX/XXXX my credit score dropped 31 points. When I checked my credit report I found that my mortgage was missing from the report all together. It is like I never had a mortgage in the first place. I pulled out some older credit reports and they list XXXX XXXX XXXX XXXX as under a bankruptcy. I was told ( in XX/XX/XXXX ) by a representative of XXXX XXXX that once my mortgage was paid in full it would be noted on my credit report. So I continued with the payments to include that last lump sum payment. 

The credit bureaus continue to report the bankruptcy but a penalizing me for the positive achievements I've made over the years. This doesn't make sense to me. How can I be penalized for the longevity and positive credit I've achieved and still be negatively impacted. Not one of my bills are late. I should receive the credit for this. I sent the credit reporting agencies a " Request for Addition of Supplementary Credit References '' XXXX XXXX says to call the credit reporting agencies and the credit reporting agencies tell me to call the mortgage company. I am between a rock and a hard place.
I have used Scottrade for 3 years, 2 times. The first, I should of learned my lesson. Some of the branch reps, are highly rude, talk down, when they in fact make errors and due to technical issues, I lost XXXX on the XXXX. I placed a buy pre-market and has been done plenty of times. After XXXX am Eastern time to XXXX, I could not switch from extended to regular to sell my shares while all else worked fine. I called the branch and was told, " Well what do you want from me? '' Unreal! I told him what happened and he offered one free trade which when after I decided to leave later and said I may come back later, it was removed from my account. Then when I went down to do an in-person wire transfer, another rep messed up in detail after reviewing all information and got double-charged {$50.00}! That is just a small part of what service I received. 

You get what you paid for and will NEVER return, and they SEC, XXXX should look into Scottrade. I have heard so many real stories and i am no sore loser if I lose money. But they have countless technical issues, horrible customer relations and attitude changes dramatic when I turned down a rep from a branch for assistance for a Broker to handle my money. My advice, get out and use XXXX, XXXX, XXXX XXXX, XXXX or any other. Trust me and do not say you were not warned!
When attempting to close on the sale of our home in New York state, it was determined that Bank of America, failed to file a " discharge '' of the lien within the 30 day period allowed by New York State. We were then forced to purchase " title insurance '' for {$1100.00}, plus additional attorney  fees, delaying our final closing for several days. We filed a complaint with New York State Department of Financial Services asking for {$1100.00} + costs to reimburse us the additional monies we had to put forth to close on the sale of our home. Now, Bank of America, is requesting ; The Account Number of the loan ; full name and property address ; full name of the attorney representing us ; the date of expiration of our claim ; and a Statement authorizing Bank of America to contact our attorney.
Today I received a letter from Experian regarding an account reporting incorrectly on my credit report, however I do not agree with their method of collecting or furnishing consumer information. According to Experian the collections account for XXXX was validated however I did not receive anything showing how the account was in fact verified. When I requested validation from the collection agency I asked for HIPAA authorization as well as my signature for services rendered and I did not receive either. What I did receive was a letter with fees and personal medical information which was not actual validation of the account. I would like to see supporting documentation from XXXX as well as XXXX regarding this negative reporting account on my credit file. I would like to see a copy of what steps and documents Experian used to validate this account is in fact my account. This account is negatively affecting my credit report and credit worthiness. It is also making it hard to obtain legitimate credit.
I sent a dispute letter to  Discover Financial Services  on  XXXX / XXXX /  XXXX   via certified mail and was received on  XXXX / XXXX /  XXXX   at  XXXX  I never received any verification about the account after 31 days of no response to my dispute I contacted  XXXX ,  XXXX , and   XXXX    and only  XXXX  has deleted this account from my file please help to get the other  XXXX  to remove this unverified account
I requested a validation letter showing my social security number, my texas identification number and my signature and company failed to do so, they send me a letter with only a name saying XXXX XXXX and a signature thats not mines and nothing else i will like this removed out my credit report immediately due to incorrect verification, if failed to do so i will be filing a lawsuit for having incorrect information on my credit report and not verifying correctly wit all the correct details you are damaging my credit worthy ...
Garner and Conner purchased this debt from the apartment agency I used to rent from. In email communication to me, their representative said that he would have to negotiate with former landlord on my behalf about the amount I would have to pay. He was lying, because my credit record shows the debt was paid off to the apartment company when Garner and Conner purchased the debt. They got an agreement with me on false pretenses. 

Then, my father was killed suddenly while I was negotiating with Garner and Conner. I did fall behind a little in the initial down payment but I am more than caught up at this time, even ahead of the agreement. 

Without any mail or email or call, I got a summons to court for XXXX XXXX. It is true that I agreed I could be sued if I did n't pay on time but they gave me no warning at all that a summons was in the works.
XXXX, XXXX XXXX. And the appointed Fiduciary XXXX XXXX XXXX, are in violation of the consent order.The appointed Fiduciary XXXX XXXX XXXX, received a NOTICE OF DISPUTE AND A NOTICE OF FIDUCIAY RESPONSIBILITY PRODUCTION OF TRUST INDENTURE on or about the XXXX day of XXXX XXXX.On or about XX/XX/2018 i received a letter from Mr. XXXX XXXX , Midland Credit Management , inc. stating that all collection attempts will be ceased until conclusion of the investigations which i never recieved. On or about XX/XX/2018. Midland funding llc. filed and was granted Motion For Judgment By Default, under c.r.c.p. 312 ( a ) .where it states The defendent has failed to file and serve a responce to the coimplaint and no responsive pleading has been filed with in the time permitted by c.r.c.p. 312 ( a ). XX/XX/2018 i filed a Judicial Notice of Adjudicative Facts, also filed was the Consent Order, and other evidence. ON or about XXXX XXXX thw jugde put a Stay Of Jugdment and ask me to seek relief which is pending ( cfpb ) findings.On or about Febuary XXXX i recieved from Midland Credit Management a letter stating, A Judgment has been enterd against you, for $ XXXXEven though the jugde put a stay on the judgment.And the judgment was for {$2800.00}. so agian they are violating the consent order and asking for more than the judgment was for. 
Whereas Midland Funding Llc, and the Appointed Fiduciary XXXX XXXX XXXX, failed to answer the notice of Dispute and Violate the consent Order with the intent is to deceive and or mislead me. 
Whereas Midland Funding Llc, and XXXX XXXX XXXX willfully and wanton act dangerously, done heedleesly and recklessly without regard to consequences or of the rights and safety of others and conduct a act of malice intentions which were to mislead, XX/XX/XXXX county court administrator and defraud the UNITED STATES GOVERMENT with false represantation or deceptive means to collet or attempt to collet a debt unlawfully. 
Whereas, XXXX XXXX, and family are intitled for Relief, under Colorado revised statutes Title 13 courts and court procedure XXXX limitations on damages for non-economic loss or injury.And any relief that can be sougth after for there violation of the consent order. 
Relief available, ( CFPB ) 12 US CODE 5565. 
We pray that the ( CFPB ) and the XXXX County Court Administrator grants XXXX XXXX, and family relief and ORDERS Midland Funding, Llc and its appointed Fiduciary XXXX XXXX XXXX, Civil Money Penalties and Damages for non-economic loss or injury and viod judgment. 
Respectfully submitted XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX XXXX XXXX
Opened Citibank checking account onXX/XX/2018, signed up for promo to get {$200.00} when you open checking account and deposit {$1500.00} in the account and maintain at least {$1500.00} for 60 days. Today is XX/XX/2018 and still have not received promised bonus.
XXXX XXXX has used a debt collection company to collect on past dues. We have disputed the debt and now they are trying to issue a default notice and foreclose on my house. I have entered my statement, regarding the debt. It is always different every time they send a new notice. I finally received an itemized statement and found missing or incomplete payments, which I have proof of. These are only the ones I found. Its possible other missing payments exist too.
Experian has somehow included the credit reports of my brother. He has a mortgage, XXXX auto loans, credit cards, that are affecting my credit. Basically anything associated with my brother and his wife should not be on my report. His whole credit report has somehow merged with mine and almost prevented me from getting a mortgage on our dream home. XXXX and XXXX are not reporting these. There are discrepancies everywhere on the report that are so blatantly obvious. XXXX look at the credit report from someone at Experian should be able to correct these issues. But now I am going to have to spend countless hours disputing every account. The dispute was made recently last XXXX when we took out a mortgage. Now I am going to submit it again because nothing has changed and I am obviously frustrated and angry that something like this could happen.
In 2014, I lived for a year at XXXX XXXX ( XXXX ). After moving out I was asked to pay for carpet replacement. The carpet was not in a good condition when I moved in and I was surprised they expected me to pay for brand new carpets when there werent new carpets when i moved into the apartment. I tried to explain and reason with them to no success. They have since reported me to collection and placed a derogatory mark on my credit history.
*Complaint number XXXX of XXXX My credit report shows collections accounts that seem to have been unlawfully re-aged by the collection agencies and law firms that hold the debts. 

In XXXX XXXX, I had an emergency hospital stay and did not have insurance, so I was billed for the stay. The bill was split up into at least XXXX different collections accounts for varying amounts between {$100.00} and {$2000.00}. XXXX of the XXXX show dates far later than XXXX XXXX. 

Those items are : - XXXX/XXXX/XXXX : XXXX - {$1900.00} - XXXX/XXXX/XXXX : XXXX - {$100.00} - XXXX/XXXX/XXXX : XXXX - {$980.00} These debts were all incurred in XXXX XXXX, but the date of last activity for each of them incorrectly indicates a much more recent date. I have had no contact with any of these creditors and have taken no action that would result in a new date of last activity. I feel that these accounts are being re-aged as an attempt to circumvent the statute of limitations set by federal regulation.
On XX/XX/2018 I filed a unauthorized fraud claim with Capital One 360 amounting to {$420.00}, ive provided police reports and documents proving these charges werent made by me, one charge was approved in my favor but the remaining ones werent and im not sure how to continue with this.