WillisBack/dataset-financial-user-claim huggingface dataset:
My credit history, and personal information were comprised by Equifax during their security breach on XX/XX/XXXX. They did not report the security breach until XX/XX/XXXX. 

I am attempting to place a 90 day fraud alert on my credit file, but due to the massive number of compromised files, I have been unable to do so at this point. 

In my opinion, Equifax has placed consumers at risk by waiting more that a calendar month to report the security breach. It has caused consumer tools to be overloaded with requests from those whose identity 's are at risk, and is, in my opinion, unequivocally irresponsible. In addition, I have read that high level Equifax executives sold nearly XXXX XXXX dollars worth of stock without disclosing the sale to the public, after the breach was discovered, but before it was announced to the public. The sales were not listed as a part of XXXX scheduled trading plans, indicating that the executives may have acted in response to the security breach. 

To me as a consumer, this is unacceptable behavior for a company with records of personal data. This event has placed millions of Americans at large financial risk, and appears to have directly benefitted Equifax executives. In addition, Equifax is a company I have never chosen to do business with. My identity is likely compromised as a result of the business decisions of other credit vendors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
My daughter is on XXXX XXXX with the XXXX XXXX in XXXX XXXX. This complaint relates to XXXX XXXX XXXX XXXX XXXX, the servicer of her loans, which the XXXX  has helped pay off through the XXXX XXXX loan repayment program ( LRP ). As a recruitment incentive to encourage my daughter to join the XXXX, the XXXX promised to pay off up to {$65000.00} of the Stafford Loans and PLUS Loans that she and I took out to pay for her undergraduate education. On XX/XX/XXXX of this year, Great Lakes received a payment of approximately {$9000.00} from the XXXX XXXX LRP. This was the XXXX XXXX 3rd and final annual payment, my daughter having completed her third year of XXXX XXXX in the Spring. The simple task for Great Lakes to carry out, as I explained to them clearly and repeatedly involved 2 easy steps : First, pay off the then-outstanding balance of my PLUS loans for my daughter. After several phone calls, Great Lakes finally got that step correct.

Second, I directed Great Lakes to apply the entire remaining amount of the XXXX XXXX payment to my daughter 's account for her own Stafford Loans. Great Lakes has not yet done this and now flatly refuses to so. Instead, they first applied the remaining amount to 2 other accounts of mine that are clearly not eligible for LRP payments ( they are for my daughter 's siblings ). Then, even after multiple phone conversations with them, and written instructions to them, Great Lakes applied only about half of the remaining amount ( instead of all of it ) to my daughter 's account and RETURNED the rest to the XXXX, somehow believing that the XXXX had overpaid them by that amount. Great Lakes did this without notifying me that they were going to do so, let alone getting my agreement to do so, and in direct contradiction of the instructions that I had repeatedly given them and that they had explicitly agreed, in multiple phone conversations, to carry out.

When Great Lakes advised me that they had erroneously returned these funds to the XXXX, they also asserted that they would try to stop payment on that action, but they advised me a few days later that they had been unable to do so and that, at that point, there's nothing whatever that they can do because ( in essence ) they're too big and too complicated to do something as simple as correcting an error that they, and they alone, had made. They refuse, for example, to even contact the XXXX  to get this situation rectified and they insist that our only recourse is for us to ask the XXXX  to make another payment to Great Lakes ( with no guarantee that they would apply that correctly either ). This seems outrageous and indefensible to me, particularly in light of the clear and simple instructions that I provided Great Lakes on multiple occasions, and their repeated assurances that they would apply the XXXX XXXX payment correctly. I have talked to at least 7 Great Lakes employees, including 1st and 2-level supervisors and a so-called military affairs " specialist '', and it is clear to me that further conversations with them would be pointless.
I had XXXX in XXXX, told them I knew I 'd become a few months late with payments ( I believe it 's 4 ). They told me we 'd do a modification, not to worry. I filled out all the forms and provided all the documents. The mod arrived in the mail stating a slightly lower monthly payment, a higher int rate than I was already paying ( 3.87 current, 4.0 new ), and extended my mortg from becoming mature in XX/XX/XXXX to XX/XX/XXXX - approx 20 years more! Okay, this seemed crazy for just being behind 4 months. I did not want my mortg extended another 20 yrs, so I asked for a breakdown so I could understand it better. All they gave me was a total payment amount with one including principal and interest and the other was the escrow ( also, they were including my mort payment which I 've always paid through XXXX for over 20 years, and they were adding mortg insurance which I 've never paid in my life ). 
But, simply asked for the breakdown. As of XXXX/XXXX/XXXX on my last conversation with them ( out of approx 10 conversations ) they told me the same thing, that they ca n't let me talk to the loan mod dept person, they are too busy, I have to go through their group of cust serv people. Well, I said that 's fine, but I still did n't get the answers to my letter from XX/XX/XXXX ( as discussed during each phone conversation with them since XX/XX/XXXX ) and there 's no excuse at this point except to think they are doing something wrong and I need to call someone like a lawyer or mediator ( counselor ) to help me. Then someone gets on the phone and says there 's a response time for this type of thing, would I like to know what it is? 
So, I said " really? '' Now, after 2 months, you want to tell me something nobody else has told me on any other previous phone conversation? So, I said " NO! I do n't want to hear it '' at this point there 's nothing he should be telling me that did n't get said in XXXX. Now, I have an appt with XXXX - to meet with a certified housing counselor. I 've been in this house since XX/XX/XXXX. My child was raised here and he 's now XXXX. He just lost his father 2 weeks ago. I do not want to lose my home. I believe they should 've suggested another alternative to save my home since I owed more than it was worth during my last re-fi 5 yrs ago. I still owe more principal that it 's worth, even according to my homeowners insurance co, XXXX, who informed me to obtain a new appraisal. But, I ca n't afford to, according to the city I pay taxes to, whom I had written. If I had known I could n't applied for assistance to reduce the principal, I would 've done so. Now, I believe it 's too late.
On the month of XXXX, a collection agency IC systems started reporting an open credit of {$290.00} from XXXX XXXX XXXX. This company has come out of nowhere and damaged my report for a service I havent had in years. Also, back in 2015 I paid XXXX XXXX off in full. Its been almost 3 years since I had service with XXXX XXXX and when I did have service they were paid in FULL. I return all equipment back to them the year of XX/XX/2015. All of my debt has been settled with this company years ago. I have never had an account with IC systems ever and they are damaging my credit. Also, this company is false reporting things to XXXX. This account does not show on any other credit bureau but XXXX   because it is false. I called this company multiple times between XXXX and XXXX, and spoke with representatives but no one can tell me why this account appeared. Also, this company has never sent me a statement saying why I owe this amount of money. This is effecting me with potential job opportunities and my current job with the city. Its also making my credit score lower as well which it hard for me to finance a new home and other things. I never had a debt with this company, and dont know how it came about. If this agency continues to report negative inquires on my report, I will file a civil lawsuit on this company. I will be contacting a lawyer to help me with this issue if its not settled.
We continue to see low scores from the XXXX credit bureau for many years, and especially Experian. Our payments are always made on time, and the rating we have been given continues to hinder our ability to refi our home which has a very high interest rate. The scores are based on debt ratios or credit card balances. The credit bureau are basing low scores on a few credit cards thus not showing an accurate rating considering an abundance of flawless accounts. We had spent many hours some years ago cleaning up inaccurate information and still the scores continue to remain low. We are not sure if taking legal action would help our situation, but life is too short to have credit bureau dictate our ability to get ahead when scores are based on half the information of an individual. I am sure their scoring methods hurt many families and I find it hard to believe that our justice system would allow this to continue.
My card was made inactive as usual when you go over the limit for your plan in a month, prior to this the amount I had available at that time was XXXX {$.00} it was there until RUSH card system went down then the balance changed to {$0.00} when I access my online account. I 've called customer service several times and have been told the system is still down at this time and no answers for me.
RTR is claiming I owe them XXXX on a second mortgage but the date of first delinquency is XX/XX/XXXX, which is beyond Illinois 5 year SOL. They are also reporting this information to XXXX, including a continual late every month for the last 6 years, an overdue balance and current amount due. This particular loan was secured by property which was foreclosed on by XXXX XXXX. RTR was never listed among the plaintiffs ( as XXXX was ). This foreclosure occurred in XX/XX/XXXX. RTR has NEVER verified any document which states how, why or where they have a valid claim to a 2nd mortgage. They were not on any court documents provided by the county and plaintiffs. It is as if they just " leached '' onto a distressed property in hopes of lining their pockets. 

In addition, it is my understanding that this account should have been legally charged off after 180 days, which further validates RTR 's negative motives in this situation. A legitimate lien holder would follow proper legal laws. I have the original mortgage, deed, warranty and court filings ( much to much to download ) which have zero reference to these people. 

Attempts to contact RTR have ended with an automated voice system hanging up on me.
I keep receiving calls from random numbers, all of which hang up shortly after I answer them. Not a single one has actually spoken to me or identified themselves. The calls come from many area codes set up across many states. When I call any of them back the group is identified as PNB Capitol Group LLC.
The XXXX XXXX XXXX has placed an outstanding and past due account item on my credit reports and this was done inaccurately and without contacting me. I attended this school up until XXXX. I left the University at the end of XXXX due to unforeseen circumstances. I was paying for classes with financial aid ( a combination of loans from XXXX XXXX and pell grants ). This combination of funding covered all tuition expenses for XXXX. My issue comes with the fact that I have had NO COMMUNICATION from XXXX to let me know of an outstanding amount owed, no update to my online account, and no notice that my account would be sent to collection or reflect as charged off on my credit files which violates my rights for Fair Credit Reporting. This item is showing on my credit report as a 1 month unsecured installment loan directly through XXXX. Something I would have never signed for or agreed. In XXXX, not too long after my last semester with the school I logged into my student account. Upon checking the amounts and balances owed, I found that it showed a {$0.00} balance. I am requesting to receive validation pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I am requesting that this matter is investigated and the account is deleted from my credit files immediately or provide me with physical proof of a signed contract between me and the XXXX XXXX XXXX for the 1-month unsecured installment loan in the amount of {$950.00} that 's being reflected on my credit report. This negative reporting is a hindrance to me on several aspects and should be removed from my credit reports immediately
XXXX  has listed my loans several times on my credit report a lot of the accounts have the same account number associated with them. I consolidated the loans so therefore the other loans should show as paid in full and the derogatory information should be removed. I have also received loan forgiveness for federal loans from  XXXX  University, yet  XXXX  refuses to deduct this amount from my outstanding loans. I filed a borrowers defense through  the Dept of Ed a nd that resulted in the loans being forgiven yet  XXXX  is saying I still owe them. I have called and spoke with people there to no avail.
I have filed a complaint once. The companies response specifically stated they dont intend to disrupt the workplace and they noted the account and will stop calling my employer. They continue to do so MULTIPLE times a day.
On XXXX/XXXX/2016, my home was flooded in XXXX XXXX, LA. Initially, I received an advance from my insurance company. It took 5 weeks for Nationstar to release the advance after I had to upload receipts in regards to the money I had already spent eventhough my insurance adjuster had written a detailed letter stating that the money was for cleanup and demolition. I complied with Nationstar. 
On to my final payment from my insurance company, I received confirmation after nearly 90 days that my payment was in route. I immediately uploaded all receipts and invoices then contacted Nationstar. At that point they requested proof my adjuster was authorized to do the claim from my insurance company, they have refused to send me a hold harmless and intent to self-contract ( which is ok by LA law ), they have not accepted documents for no valid reason that I have had to re-upload. I have requested an inspection on XXXX/XXXX/2016 for 50 % completion, which I have paid for all repairs up to this point, just to get my house completed. I received a call today and the inspector is unable to get here until XXXX/XXXX/2016 at XXXX. This is unacceptable. I just want to finish my re-build. I 'm not asking for all of the money, however, I would love to have it all. I 'm just asking for a portion of it so that I can finish the rebuild of my home.
I was a victim of identity theft due to a massive data breach via Equifax and other agencies. My personal information was compromised and accounts and other items were opened in my name. I attempted to resolve the issues with all three credit reporting agencies. Even after submitting police reports, FTC affidavit and other items, the three credit reporting agencies refused to removed the erroneous accounts from my consumer report.
XXXX called my place of employment and told my Assistant that they needed to speak to me in regards to serving me papers. They claimed not to know what the policies at work were but wanted to find out from me. She got a name and number. XXXX XXXX XXXX ext. XXXX. I called XXXX XXXX back and she told me that if I did n't pay on an old debt within 72 hours I would be served papers and would have to respond to my local courthouse within 72 hours. This debt is for {$2800.00} from an old credit card that I had disputed since XX/XX/XXXX. She offered to settle with me for {$2100.00}. She was going to send me an email with the offer and then I asked her to validate the debt and she said sure thing but I must respond by XXXX today or the deal off of the table and I would be served. It is XXXX on XX/XX/XXXX and I have not received an email. She also stated that they sent me a letter 6 weeks ago offering me a deal to pay off the bad debt. I never received the letter and asked why she did n't send it certified and she said they do not do that. When I spoke to XXXX she did n't tell me what company she was with nor did she give me an address. What bothers me the most is that she called my place of employment. She asked my assistant what the procedures were at my place of employment so they could serve me papers and of course now my assistant believes I must be in some sort of civil or criminal trouble.
I have disputed accounts with the credit company on XX/XX/2018,XX/XX/2018/,XX/XX/2018,XX/XX/2018 and reporting agencies XXXX, Experian, XXXX, they fail to verify the accounts under the FCRA SECTION 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) also 611 ( 5 ) ( A ).
Bank of America has aggressively started to assess " Monthly Maintenance fees on my account over the past 6 months. Every month they charge {$12.00} to my checking account and {$16.00} to my business account. They chip away and steal my hard earned money slowly this way month after month. Their polices change behind the scenes and their terms and conditions are hidden beneath layers of contractual language. I have been a customer with them over 10 years but over the last 18 months the fee collection has been very aggressive. This is not fair way of doing business. I would like Bank Of America to refund all the Monthly Maintenance fees they charged over since XX/XX/2018.
I have been trying since 2015 to get navient corportation to update the credit bureaus showing my loan was paid in full early and they continue to report that I owe over 10,000.00 and that the payments are either unknown or report nothing to all XXXX bureaus.
I disputed innacuracies/ out-of-date information on my credit report with Experian XXXX and they responded by updating the activity on my accounts to XXXX and lowering my credit score, not taking anything off. I disputed the same information with XXXX and they took everything off, rightfully. I have a judge 's decree that most of the debts I am disputing are not mine. The ones that are mine are from 2007, over 8 years old, yet Experian continues to report them.
XXXX has refused to stop allowing an collection agency to report incorrect information on my credit report. XXXX receivedan email from the reporting student loan company that they had the wrong person. XXXX was made aware of the email and the fact that the student loan told XXXX that they had the wrong person in writing. XXXX has denied me the right to good credit with this incorrect information. This is affecting my life and my kids life. I 'm a homeless mother trying to buy a house. I ca n't with the fact that XXXX is ruining my life and any chance of financial help due to misleading information that is placed on my credit report. I 've filed a lawsuit against XXXX because of how I was treated by them and the lack of concern that was givven to my identity theft case and proof that the company admitted that they had the wrong person. They said they did n't care do what I had to do so that 's exactly what I did.
In XXXX of XXXX I pulled all 3 credit reports and found Midland Funding, LLC was reporting a collection account. I disputed with all 3 credit bureaus and it came back as verified. I did not receive a dunning notice of alleged account from Midland Funding, LLC. I also was not notified within 30 days of placing negative information into my credit file. On XX/XX/XXXX I sent a certified letter demanding validation. No response.
I noticed that my credit score was negatively impacted when I was in process of refinancing my mortgage. This was a result of an oversight on my part for missing my XXXX 2015 car payment to Honda Financial Services. When I did realize the oversight I immediately paid XXXX 's and XXXX 's payment. I feel that Honda Financial Services did not pursue all avenues of making me aware of the situation and did not inform me of the negative impact of this oversight would have on my credit score. I did not receive any written documentation to inform of my missed payment nor were any voicemail messages left on my telephones ( home/cell ). I did call Honda Financials Services once I realized this negative impact and was instructed by the customer service representative that there is nothing they could do to reverse the negative rating. Again I strongly believe Honda Financial Services should have been more proactive to avoid this negative impact to my credit score especially when I have the means to pay. To this date I have not missed another payment.
On XX/XX/2018 XXXX XXXX and XXXX XXXX were sent letters of validation via certified mail. The return receipts show XXXX XXXX 's letter was received by XX/XX/2018 and XXXX XXXX letter was received by XX/XX/2018. I heard no response from XXXX XXXX   until XXXX XXXX-which you can find in the attachments they provided in my last complaint made to them. Well pass the 30 days allotted by federal law to respond to a debt validation letter. XXXX XXXX sent a letter dated XX/XX/2018 but the post mark date reflects it being in the post office 's possession XX/XX/2018, per the corrected post mark date made by the postal service. In the envelope sent by XXXX XXXX they were requesting additional information 29 days after receiving the VOD letter and waited almost a week to send the letter off, which also shows lack of priority and willingness to follow federal law which states the company has 30 days from the date the letter is received to postmark a response. I filed a CFPB complaint and have contacted the 3 major credit reporting agencies of this neglect and the items still remain.
XXXX   XXXX   XXXX   XXXX   XXXX  is trying to collect on a debt for a title loan account via   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . I do not recall ever having a title loan through this company and have tried repeatedly to get proof the debt belongs to me by requesting a contract from  XXXX   XXXX  bearing my original signature.  XXXX   XXXX  has been unable or unwilling to provide this information. I have reported to all  XXXX  credit bureaus that  XXXX   XXXX  has been unable to provide this information and the debt still remains on my credit.  XXXX   XXXX  is also reporting false information on the date this account was opened. According to the statement I was sent, it was opened in  XX/XX/XXXX   and  XXXX   XXXX  states it was opened   XX/XX/XXXX  . Per the Fair Credit Reporting Act, changing the date the account is opened/closed is agains t Federal  Regulations.
Transunion is constantly adjusting my credit score based on wrong information. I am not 30 days behind on my mortgage and the last report date they have of my mortgage payment is is XXXX 2016. They lowered my score XXXX points for the third time and after the company reported I am not 30 days late.
I have not been able to resolve an issue with Ally Financial car loan and I would like it removed as it 's reporting to the XXXX and negatively affecting me