WillisBack/dataset-financial-user-claim huggingface dataset:
My personal information was stolen from Equifax. And then I find out, because I checked to see if my information was stolen, I relinquished all rights to sue Equifax and agreed to arbitration. How can a company get away with this? It provides them no responsibility to ensure your personal data is secure. 

So they could setup a fake identity theft service, I get my identity stolen, and because I checked to see if it was stolen I have no recourse in a court of law? How is this legal!!??
I have asked that this company not communicate with me yet they call me on my cell phone using pre-recorded messages and leave voicemails. I do not like this at all they've called me over 6 times. 

They called me on XX/XX/XXXX using a pre-recorded message They called me on XX/XX/XXXX using a pre-recorded message They called me on XX/XX/XXXX using a pre-recorded message They called me on XX/XX/XXXX using a pre-recorded message They called me on XX/XX/XXXX using a pre-recorded message They called me on XX/XX/XXXX using a pre-recorded message. 

This is my second complaint and I haven't gotten a response.
I filled a fraud with the FTC a few months back about I fraud account opened in my name with USAA. I sent out letters to them but have not received anything back from them. I called them and all they did was update my personal info so whoever could n't use the account which has a negative balance. They said I 'm responsible but I do n't see how.
Hello : This is in regard to the Equifax Security Breach. I used the impact to my credit feature on their website in order to determine whether I was impacted by the recent security breach.
The results came back as follows : ************************************************************************************************ Thank You Based on the information provided, we believe that your personal information may have been impacted by this incident.
Click the button below to continue your enrollment in XXXX XXXX.
Enroll For more information visit the FAQ page.
******************************************************************************************** My credit is frozen with all three credit agencies. I called Equifax twice ( at XXXX -- their dedicated breach customer service line ). The first time, I was disconnected after a long hold. The second time, I gave up after a long hold.
If my credit was frozen, why do they believe my personal information may have been impacted? According to conventional wisdom, everyone is trying to freeze their credit, but according to Equifax ' assessment of my information from my 'frozen ' credit, freezing your credit will not make you any safer. My intent in contacting them was to confirm my information was impacted ( their wording using the work 'may ' leaves it ambiguous ). And, to learn why they believe it was impacted if my credit was frozen.
Account number XXXX is appearing on my credit report. Please remove from my credit reports. Mailed several attempts to company to validate debt and nothing has happened. I want a validation and verification that it is my account
After repeatedly attempts of me telling them no. I ca n't make out start a payment today, I got transferred to the manager on duty. Right of the bat she spoke to me as an inferior. She would ask questions while taking but not stopping to give me a chance to answer. When she did stop I would start to answer the first party of get questions then she would start back up and start taking over me talking. I asked her to let me answer and she would just keep talking over me and not let me get one word in. I was getting really frustrated. I mentioned I was thinking about filling bankruptcy, she accused me of lying and she said she sees no record of me following filling XXXX, as I try to explain that I have n't filled, she starts again talking over me. I then had to start talking over her so that she could understand what I am going through. She stopped talking and told me that she can tell by the way I am on the phone why I am the type of person that is in collections, and owe purple money. I told her she insulted me. She did n't offer an apology, I asked her at least 4 times to not contact me and that I ca n't pay at this time. She then just hung up on me!
In XXXX XXXX, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX miles after scheduling two bill payments and accumulating {$1000.00} in debit purchases. 
The cash value of XXXX XXXX XXXX miles is approximately {$500.00}. 
In XXXX XXXX, I contacted Citi and received confirmation that I had fulfilled all terms of the offer. 
On XXXX XXXX, XXXX I contacted Citi again regarding the bonus offer, and was told that I completed the terms in XXXX, and that the miles would be credited no later than XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX the points had not yet posted so I called Citi and was told that the points were " on their way '' and to expect to see them within 3-4 weeks. 
On XXXX XXXX, XXXX I called Citi again, who opened an " investigation '' into the missing points, and told me I would hear back within 1-3 business days. 
On XXXX XXXX, XXXX, after not hearing anything from Citi, I called in again, and was told that their back office was very busy, and to expect a response within 5-7 business days of the investigation opening ( XXXX ). 
On XXXX XXXX, XXXX, after still not hearing anything from Citi, I called them again, and was told that the investigation is still open, and that the customer service representative would request another. 

In summary, it has been five months since I met the terms of the bonus offer, and Citi has still failed to live up to their side of the deal. The chat log between myself and Citi where they confirm that the requirements have been met is attached. 

Citi Online Chat Log, XXXX/XXXX/XXXX You are now chatting with XXXX. 
XXXX : at XXXX Hi, XXXX : at XXXX Welcome to Citibank Online Chat. My name is XXXX. How may I help you? 
XXXX : at XXXX Hello XXXX. 
XXXX : at XXXX How are you? 
XXXX : at XXXX I 'm well, thanks XXXX : at XXXX I signed up with a promotional offer for my CitiGold account, and completed the requirements some time ago, and I 'm wondering when the bonus American miles will post XXXX : at XXXX Great question! 
XXXX : at XXXX I will be more than happy to assist you. 
XXXX : at XXXX Please allow me 2-3 minutes to review your account. 
XXXX : at XXXX Thank you for holding. 
XXXX : at XXXX I do see you completed the terms in XXXX. Therefore, your miles will be credited within 90 days of the statement cycle in which you fulfilled the terms. 
XXXX : at XXXX That will be no later than XXXX XXXX. 
XXXX : at XXXX Thank you, have a nice day
I didn't Authorized ( Authorization ) too view or pull credit report ( Identity Theft Victim / XXXX Data Breach )  .... 


XXXX details : XXXX XXXX XXXX from XX/XX/2018 XXXX. 
XXXX XXXX XXXX from XX/XX/2018 XXXX. 
XXXX XXXX from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/2018 XXXX
Issue : Navient blocked my access to my account upon learning I am attempting to apply in the USGov Income-Driven Repayment Plan. 

The company is currently being sued for illicit business practices. This reinforces my belief the problem falls within the frame of that sphere. 

Below is a simple timeline that illustrates NAVIENT withdrew access to my account directly after the company learned ( and therefore because of ) my desire to enrol in the government-provided student loan repayment plan. 

**** EMAIL : XX/XX/XXXX : Service Loan Provider, NAVIENT send an email my Quarterly Interest Statement is available. I follow instructions and log in to my account via their website. 
**** EMAIL : XX/XX/XXXX : Email from NAVIENT they received my application from Student Loans.Gov for Income-Driven Repayment. 
*** XX/XX/XXXX : I discover my login credentials to NAVIENT do not work. Finally, I log in and am direct to a page with a message that my account has been disabled. 
*** EMAIL : XX/XX/XXXX : Email to NAVIENT are returned with following info : Your message wasn't delivered because the email admin for the organization 'navient.com ' created an email rule restriction. Please contact the email admin for that organization and ask them to remove or update the rule restriction.
My wife checks our account everyday before she goes to work. This morning XX/XX/XXXX my wife got a notice saying that we had a restriction on our bank account. when I called and spoke to an XXXX ( XXXX ) and agent he said XXXX had found that I had received an XXXX XX/XX/XXXX and their clause says that if anyone gets a XXXX while being a member they can have their account closed. I did get a XXXX that resulted in XXXX. I started drinking heavily at one point after I came home from XXXX due to XXXX. I am diagnosed with XXXX form the VA and receiving benefits. This happened before we became members of USAA. We have no debt and have all our money ( {$61000.00} ) in this bank. I have all my direct deposites and drafts here. I need to know what is going to happen with our money and if I need to close my account for something that happened a long time ago. Any debt or overdraft charges due to my money being held will be paid by USAA. I need someone to call us immediately.
HDFS gave me a settlement offer I told them I was selling it to the dealer then a lady named XXXX violated my rights. The dealer said all they needed to pay it off was the letter then XXXX discriminated and discussed my account. The federal Gramm-Leach-Bliley Act of  1999 created a new opportunity for you to limit the transfer of your personal financial information. The law attempts to balance your right to privacy with financial institutions ' need to share information for normal business purposes.
I have been trying to consolidate my loans for the past 6 months now. My loans are supposed to be with ECMC-they are stating that my loans are in a repurchase phase and that they do n't have them and that they are to be picked up by XXXX XXXX XXXX. I called XXXX XXXX XXXX and they have no record of me whatsoever. I have been denied numerous time for consolidation because ECMC is holding and reporting incorrectly on my loans. They are improperly servicing my loans which is causing me negative reporting on my credit report. I am trying to re-establish repayment of my loans and can not do so because this agency ECMC is incompetent. Please recall me loans from them or have them properly update my loan information so that I can move forward with my financial obligation to repay my loans. They are reporting that I am in Bankruptcy and I have sent over my discharge notice to them as well and they are still incorrectly reporting on my loans.
Starting on XX/XX/XXXX - after reviewing a copy of my credit report I have been attempting to find out what some negative items on my credit report are. I sent a letter to the credit bureaus in XX/XX/XXXX asking for their assistance in verifying those items. Some items were addressed, some were not. No information was sent to me by this creditor. I sent another letter in XX/XX/XXXX asking for further verification as some items we still not answered - no response. I then sent the attached letter in XX/XX/XXXX directly to this creditor asking what this item is - and their response to my request to VERIFY was that they have already sent me something to verify this and that they would not send me anything further. I have NO IDEA what this is based on the dollar amount or the name XXXX XXXX XXXX. I do n't recall receiving a statement or a bill from XXXX XXXX XXXX. Despite what this creditor is saying in their letter - I do n't know what this is and do not beleive that i have received anything in the mail from them AT ALL validating what this debt it. I have attempted to request this information THREE times now, and I have had enough. Wthin 30 days of reveiwing my report I have spent the last almost SIX MONTHS attempting to get verfication. This letter is the FIRST communication to my knowledge. this item has to validated. this is incredibly suspicoius. This is a waste of my time, energy and money.
Failure to honor US currency. I attempted to deposit a number of coins into my Harris Bank checking account. The clerk and bank manager stated they would not accept coins unless there were first rolled and refused to take my coins as a deposit. My wife works for a XXXX XXXX XXXX and does lose coin deposits all the time without rolling coins. A bank refusal to accept US loss coin currency from the public ( but does so for business ) is a direct violation of Federal Banking  law.
TOWER LOAN IS CALLING ME BACK TO BACK SEVERAL TIMES A DAY AND ALSO CALLING MY REFERENCES THE SAME, I HAVE TOLD THEM I WOULD PAY ON THE XXXX YET THEY STILL CALL SO MUCH IT IS HARRASMENT
My identity has been compromised or stolen. I filed a police report and notified Experian, XXXX and XXXX XXXX. I feel that they are not taking the matter very seriously at all.
US BANK TOOK XXXX FROM MY ACTIVE ACCOUNT DUE TO A FRAUDULENT ACCOUNT THAT WAS OPEN WITH OUT MY PERMISSION. XXXX WAS OPEN BY A WOMAN NAMED XXXX XXXX WHO RESIDES IN XXXX ILLINOIS. 
I INFORMED US BANK OF FRAUDULENT ACTIVITY AND I WAS UNDER THE IM- PRESSION THEY SETTLE THIS MATTER. THEIR WAS A CARD ALSO ASSOCIATE WITH THISFRAUDULENT ACCOUNT. WHERE THE OFFENDER XXXX XXXX USED THIS TO GAIN FUNDS. I NEVER GAVE HER OR PROVIDED HER WITH ANY OF MY INFORMATION NOR DID GIVE HER ACCESS TO MY SOCIAL OR ETC.
They contacted my mom, brother and sister. They collected funds from my mother without my consent. I contacted them the first day they called my family and asked them to only contact me. They continually contacted my family & gave my mother details about the debt so she paid it in full. I never authorized them to speak to anyone about my debt
I sent Equifax a 2nd written request dispute letter on XX/XX/XXXX regarding the unverified XXXX XXXX XXXX collection account on my credit report. 

This letter was sent via Certified Mail with physical Return Receipt, so I was able to verify that Equifax received the letter on XX/XX/XXXX. However, after some weeks and numerous phone calls I quickly realized they had no idea where my letter was. They continued to send me responses from my 1st written request via mail or online but those old disputes were already responded too and resolved promptly. 

Below are notes with the two Equifax reps I spoke with regarding this issue : -- -- -- - XXXX Employee ID # XXXX XX/XX/XXXX XXXX Employee ID # XXXX XX/XX/XXXX Spoke with ( Dispute supervisor ) who refused to give her last name I was told an internal complaint would be filed with the mail dept for the delay in my documents being uploaded to start the dispute status ( they have no contact with this department ) Their dispute process operates outside of the FCRA and is illegal. They don't request for documents validating the debt to the consumer in question and solely rely on the collection company saying " yes or no '' to the debt belonging to the consumer as fact. 

-- -- -- Not only did both of these reps admit that Equifax lost my letter with private personal information contained inside, they put no efforts into my dispute and would rather let it drop and hope I wouldn't pursue it anymore versus owning up to their mistake.
I sold a car, a XXXX XXXX, several years ago. The car is no longer owned by me or anyone that I know. It was purchased sometime in around XXXX or XXXX, XXXX, in XXXX, VA. I sold it in XXXX, XXXX, in XXXX, TX. I no longer have any records for the vehicle. The only information I have is a loan number that shows up on my credit report. When I applied for a loan to construct a new home, the bank asked about it. I reported it to the bank and to credit reporting agencies as an error, a closed transaction that should not appear on my report in XXXX, XXXX. I respectfully request your assistance in having that XXXX Loan acct taken off my records.
TRANSUNION is willfully and with negligent noncompliance reporting INACCURATE PUBLIC RECORD DATA on my report, specifically, THREE TAX LIENS. ALL 3 liens have been discharged. ALL 3 liens contain and/or are missing my personal matching information, including : name, address, Social Security Num. or Date of Birth. Since XXXX, the laws concerning Public Records reporting requires these data must BOTH include AND match the data connected to the individual for which that data is being connected/reported. ALL 3 liens currently state XX/XX/XXXXas date filed, it is now XX/XX/XXXX-- - ALL 3 liens should have been removed in XX/XX/XXXX. I will be forced to bring this issue into litigation if Transunion does not promptly delete this information. 
NOTICE OF DISPUTE HAS BEEN PROVIDED TO TRANSUNION : Certified letters were mailed in late XXXX and included : name, social security #, address, Date of Birth, disputed data was circled identifying which specific records were being disputed on an included copy of my credit report, a narrative of why the info is inaccurate was furnished to Transunion, and I requested the information removed, and for Transunion to investigate the dispute and provide documentation of how this record is correct if they continue/d to report it, because it is wholly inaccurate. Its a you-do-the-math scenario. NONE OF THE OTHER CRAs ARE REPORTING THIS OUTDATED/TIME-BARRED INACCURATE DATA. This will serve as my last notice before I am FORCED to file suit. Thank you.
FINANCIAL DATA SYSTEMS is attempting to collect 2 fraudulent debts that do not belong to me and were opened as a result of identity theft. I have contacted this company and made them aware that this was fraud, however they continue to attempt to collect these fraudulent accounts. The partial fraudulent account numbers listed on my credit file are XXXX and XXXX. I have been a victim of identity theft and have provided a copy of my police report to XXXX XXXX and they continue to report these fraudulent accounts. These are not my accounts and I live in XXXX GA and have never lived in South Carolina. These ACCOUNTS ARE FRAUDULENT.
There was a fraudulent charge made on my credit card on XX/XX/XXXX. I disputed it immediately. Chase listened to my situation, and said they will be able to handle it without issue since it is clearly fraud. The situation was that a merchant, XXXX, charged my credit card without my consent while my account with them was closed for over a week. There was no way I could have authorized that charge. Also, I had opened up a dispute with that merchant regarding a purchase I did not receive earlier that month. Chase did resolve that issue for me. However, for this fraudulent charge, I was told on XX/XX/XXXX that they can not claim it as fraud because I had a previous relationship with the merchant. That makes no sense. If someone stayed at a hotel before, and then gets charged again a week later when they did not authorize it, that does not mean it isn't fraud because they stayed there before. Now, that representative said they will put the charge of {$3300.00} back on my card because they need to open it as a dispute against the merchant like my other charges. However, that makes no sense because again, I did not authorize the purchase for anything for this amount, so there is nothing to dispute other than a fraudulent charge. Their reasoning is hypocritical. I gave them a chance after escalating other claims on my other cards before, which they resolved. But since this unsatisfactory work and severely inconvenient process is happening again, I will be closing all my chase accounts if this does not get resolved. If this case should have been opened as another claim, they should have told me back in XX/XX/XXXX so that it can be resolved by now. Now, I have to wait another 2 months for a resolution which may not be in my favor because the circumstances in which they are disputing it is incorrect. I will make this and all other frustrations I had with Chase public to all forums, review sites, and personal contacts. Not only is the process not working to help me, their employees have been unprofessional. The specific employee who says my charge is not fraud for reasons that make no sense is XXXX ( XXXX ext XXXX ). I also want her to be punished for incorrectly assessing my situation. My attachments ( screenshots of my account before it was closed ) also show that the merchant XXXX never gave me anything for my previous purchases, and there is no reason why they should have charged my credit card any amount without my consent after my account with them was closed.
This Reporting of said account is not Authorized or Valid and is in Violation of FDCPA and FCRA Laws and are.
There is no final decision. Here 's the thing. I have been fighting with all XXXX credit reporting agencies for years. They are supposed to do investigations. An investigation is more than just contacting the creditor ( which pays the credit company so there is conflict of interest ). Public Record is no longer being used for FICO so that has to be modified. In my Equifax report : Case XXXX The Plaintiff is listed as XXXX County Clerk. This is wrong the XXXX County Clerk is a repository and has been on the report for too long. I also do not work for XXXX - wrong employer.
attempted to settle for less than balance due approx. 6-7 weeks ago. usaa refused my offer & ended negotiations. I asked if there was a waiting period to call back to attempt to settle again. customer service rep stated no. I called back yesterday for the first time since my original attempt & rep refused to speak with me stating I was n't eligible at this time. I asked what that meant, rep refused to disclose reason. I requested supervisor & was refused. I warmly disconnected, called back to reattempt to find out reason I could n't settle, & a second time I was told the same thing. I requested a supervisor call me back, I still have n't heard back. My complaint is I 'm trying to settle debt and usaa refuses to speak with me about it. I do n't understand why as there is no pending litigation & no cease & desist order in place.
My name is XXXX XXXX and I am writing to lodge a formal complaint against Procollect Collection agency who is repeatedly ( numerous times in a day ) calling me regarding a debt in the amount the I dont owe. Procollect states that I owe {$8900.00} and I have an email from the apartment complex that states I owe roughly 3,700 as a balance. I have repeatedly requested a complete validation of debt and have not received anything. 

Procollect is attempting to collect on an amount that is not owed, repeatedly contacting my phone harassing me for payment on a debt amount that I do not owe.
To whom it may concern, I recently applied for credit with my bank and was declined because of a low credit score XXXX from XXXX three ( 3 ) months prior. While researching the cause of the low credit score, I found there was no justification for my score to be at such a low mark and I seek an internal investigation on all three ( 3 ) reporting agencies for possible XXXX individual discrimination. As a United States tax paying citizen without any derogatory reporting and without any paying delinquencies with my creditors, I am seeking to establish a potential law suit to challenge the status quo of the following organization. These agencies consist of XXXX, XXXX and Equifax. Please inform me about how I can pursue to challenge and correct this matter, XXXX - XXXX
I 've been getting calls for MONTHS from different numbers and different states. They do not state where they are calling from but when I look them up online everyone says its debt collectors. All they say in voicemails is I need to call them back regarding an important financial matter. I 've blocked all numbers they call from and they continue to call from different out of state numbers RELENTLESSLY. When you answer, they just hang up on you they do n't even speak!!