WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax allowed my information to be accessed by an unauthorized 3rd party who has the ability to access all of my personal information for potential monetary exploitation.
I never allowed Equifax to store this information nor to host it in a manner that it could be compromised. They willfully did not attempt to store my data in a manner that would be consistent with reasonable identity protection and are unable to provide me with clear answers as to the following : 1. Who took my information?
2. What information of mine was compromised?
3. What steps are they taking to protect me?
4. Should someone attempt to use my data in an unscrupulous manner, will Equifax cover the legal and time costs?
I am a 100 % XXXX veteran and my VA mortgage is currently with Freedom Mortgage loan number XXXX. A few months ago Freedom re-calculated my monthly escrow amount and increased it and I was not aware. I continued to send in the same amount. They have returned cashier 's checks because the amount was not the full amount and have not processed checks they have received but have held on to. Thus my XXXX and probably XXXX mortgage payment are going to report late. They did receive the funds which covered the principal and interest payments and should have accepted the payment and allowed me to send in the shortage amount of the escrow amount due. There have been headaches since Freedom took over the mortgage in XXXX. 

My credit is now being ruined because of these late payments being recorded
XXXX XXXX had contacted my husband who is not on my account nor have I given them my husbands infomarmation at all. They had left him a message with my information and threatening message. This had caused a lot of problems between me and my spouse. I contacted them and they did nothing about it.
I originally submitted complaint : XXXX - the company ( Wells Fargo ) has never responded correctly and now many other issues are present. The latest letter they sent me is attached, as well as the statement that I requested. Here are the big issues remaining and now present : 1 ) I have never been 30 days late, so why is there a late fee on XXXX? 
2 ) What is the additional {$10.00} fee on XXXX? 
***I am requesting those fees be removed given the length of this issue and the fact that I have never been 30+ days late paying. 
Additionally, 3 ) My financing was for, I believe, 5.6 % - but from the statement, I can see that Wells Fargo has been charging me over {$100.00} in interest on many months, and then some months much less. This is not ok - and must be discussed ASAP. Explain why the monthly payments and the interest fluctuate when I have set financing. 
4 ) You refunded me {$43.00} for 5 months of backdated interest on the {$960.00} - what calculation do you use to reach this number? I would like proof of this. 
5 ) Finally, please explain why our payment is now higher, even though the principle is now drastically reduced by the credits we had processed from XXXX ( that you held for 5 months ). In the letter from Wells Fargo ( attached ) they said they " could not lower our payments '' - but that 's not what I was asking. If the principle goes down by close to {$1000.00}, then the math would make sense that the payments would also decrease - not increase. Explain ASAP. 

I am doing this in writing, through this oversight board, because I feel that Wells Fargo has taken extreme advantage of me during the duration of my loan with them - and the unresponsiveness and lack of customer concern is quite disturbing. Having this happen while my family faced homelessness and hunger, but finding a way to always make this payment before the 30 days - I deserve some kind of respect and response - and quickly.
I signed up for a Citi Bank Citigold Checking account earlier this year. I signed up for the account as part of a promotion Citi Bank was running, whereby they promised to award XXXX XXXX XXXX miles to any new customer who completed a few requirements. I had never been a Citi Bank customer before and met all of the requirements ( two consecutive monthly bill pays and minimum {$1000.00} debit transactions ). When I signed up for the account, I spoke directly with a Citi Bank representative, and they confirmed to me that I was eligible and would received the points after completion of the tasks. It has now been over XXXX months since completing the requirements, and although Citi Bank confirms I completed everything satisfactorily, they have told me I will not receive the points. This seems unacceptable to me, as they told me at account signup that I was indeed eligible, and I have been paying a monthly fee for the account ever since. I completed all terms required for the promotion, but not they have chosen not to hold up their end of the deal.
On XX/XX/XXXX, written correspondence was mailed to Navient Solutions , Inc. in order to establish a request to lower the monthly payment under the account in question ( see file ). The contents of this letter signify the client 's inability to proceed with the current monthly payment of {$340.00} due to financial hardship and loss of income, effective as of XX/XX/XXXX. 

Further specification requested that Navient Solutions , Inc. respond with written correspondence within 30 days of the letter 's date of receipt. However, no response has been carried out by Navient Solutions , Inc. as of XX/XX/XXXX ( Note : including all forms of communication as per a business-clientele relationship ). Failure to respond within the allotted time frame has resulted in an unresolved financial issue, officially pending as of the date of this entry and until Navient Solutions , Inc. has complied with the written correspondence.
Dear Consumer Financial Protection Bureau, cc : FTC This company canceled my credit card for no reason. They then continued to bill me fees on a closed account. Also, unknown to me at the time, added these bogus fees to my credit report. I paid their bogus and illegal charges and had it removed from my credit file. Today I receive yet another bill from Continental Finance ( Verve Card ) which includes more fees and interest charges from a card they closed and I verbally called to make sure it was closed after their last illegal stint. This is a nightmare! I do NOT owe this company anything. I cut up the card months ago after it was initially closed. This company is defrauding consumers and needs to be held accountable for these illegal business practices.
i 'm getting calls XXXX times a day from this number that I linked back to a company named Penn Credit, and they 're asking for someone who does not live with me, about something that I do not owe. I have not answered the calls. They keep leaving unintelligible messages on my answering machine. This has been going on for weeks. I do not owe any debts whatsoever. This is Harassment!
I graduated in 2009 and Ed Financial is now my loan servicer. I was given the information and was enrolled in graduate repayment plan and was never offered or educated on loan forgiveness options. I was under the impression that I am under the plan which will qualify me for loan forgiveness. After making 42 on time payments when I contacted ed financial about how and where to upload my employment information I was Informed that I am not eligible and I have to start over. 
I am a XXXX XXXX with XXXX. This is beyond frustrating that i was never given the information or opportunity to learn about the program. After repeatedly asking for all my correspondence with them in which they keep directing me to enroll in Income base plan and start over as my only option, I need help from the consumer protection department.
In XXXX of XXXX, I noticed that our mortgage balance was much higher than it should have been since it was going to reach maturity this year. Our mortgage was with Greentree Financial. I called and talked to a rep who said, 'oh just keep on making your payments and it will be fine '. In XXXX, our loan went to DiTech. I called them and was told the same thing. In XXXX, XXXX, we get a letter saying that our loan was mature and that unless we paid {$11000.00}, we would be in default. I called and spoke to someone else and was assured that I only needed to call our account rep and she could do a loan modification for us and everything would be all right. I tried to get in touch with this person for over a month, leaving her messages and expecting a call back. Then, I get the message on her machine, saying she would be unavailable until further notice and was referred to another lady. She informed me, that despite everything I had been told, we were in default and she could not do a loan modification. They are starting foreclosure proceedings against us. I tried to find out how we could owe {$9700.00} in principle since we have been paying for over 20 years on this loan. She could n't tell me, but put me on hold saying she would get someone who could. She came back in a few moments and informed me that the other lady told her that she could n't give me any more info than she already had. We 're not trying to get out of paying our loan. I just do n't understand how we could owe that much. And, despite being told we could get a loan modification by one person and then denied by another. The lady said they could n't do it because there was no land involved with our loan. I informed her that there were XXXX acres which we put up as a down payment for our double wide mobile home when it was purchased. That info however, made no difference. I do n't understand. The land would be worth more than what we owe on the loan. Perhaps that is the point. They can take our property that we have paid on for 20+ years, resell it and make a good profit. All the explanation I can get from these folks is ... '' I 'm sorry ''. I was told by a banker that it would take too long to get a loan anywhere else, that they would have to refinance it or modify it, or it would be too late. We ca n't even get a loan because our credit rating has now tanked. I just do not want to lose the home that we have worked and paid on for over 20 years and no one at DiTech will help. I even asked how much time we had to come up with the money and the lady told me that she did n't know. Apparently, I wo n't know until my property shows up for auction in the local paper.
USA Funds/XXXX continuously report delinquent payments that fluctuates month after month from 90 to 120 to 190 back to 120 days when the account is paid/closed. Before the account was closed, during the time of the late payment dates, I was approved for loan rehabilitation and was making monthly payments on time. These inaccurate late payments are drastically affecting my credit score. I have reached out to USA Funds on different occasions about these inaccuracies and was informed that these late payment statuses could not be changed. I 've also disputed these inaccurate late payments with all 3 credit bureaus and received 'account verified ' after an investigation.
Respected Sir/Madam Good Morning, This is XXXX XXXX XXXX. I just called the consumer financial protection bureau and they informed me about this online complaint portal. 
I am a customer of citi bank. On XX/XX/XXXX, I made an international wire transfer to XXXX XXXX XXXX ( XXXX. XXXX ) from a citi bank branch XXXX. I went to the branch and requested for an international wire transfer. The representative of the bank gave me an information sheet to complete by hand. I completed it and returned to the representative. Then, she completed some online application and gave me a print out. According to the printout the money should have been available on XX/XX/XXXX or sooner. Recipient did not receive the money on XX/XX/XXXX. That was Thursday. The next day was Friday. It is weekend on Friday and Saturday in XXXX XXXX XXXX. So, me and recipient thought that because of weekend maybe the money is not available. The recipient went to his bank on Sunday, which is a working day there to confirm incoming wire. His bank said that there is no record of it. I went to same branch on Monday and they told me that sometimes it can be delayed.On Monday evening here in USA, I got a communication copy of message between recipient and recipients bank customer relations office. The customer relations officer told him to get copy of swift message of original wire transfer from senders bank. I went to branch again on Tuesday XX/XX/XXXX. I met the representative and informed her the same. She told me there is nothing like swift message and only thing is the document that she gave me. I insisted her and she took me a room and made a phone call and transferred me the call. i assume it was someone from wire transfer department of Citi bank. I explained her the problem. She told me that she is going to initiate the trace of wire. I called Citi Bank again and informed them that the recipient has not received the wire. I told the representative to send me copy of swift message of original wire transfer and copy of swift message of the trace. Friday evening, I got the copy of swift message for the trace but until now I have not received copy of original swift message copy of wire transfer so recipient bank can work to trace. The recipient just called me and informed me that until today the bank has not received the wire. 
I am not only loosing money due to this delay but me and my wife are very stressed and worried now because the amount of transfer is USD {$100000.00} I have also sent 4 or 5 emails to officers of XXXX XXXX branch NY. As, i came to know that it was intermediary bank. But, I am not sure about it. 

My information XXXX XXXX XXXX Account at Citi bank Citi bank Account number XXXX Date of Wire XX/XX/XXXX Amount of wire transfer USD {$100000.00} Citi Bank branch used to wire transfer XXXX in XXXX NY Citi Bank Reference XXXX it is requested to the department to interfere in the matter. 

Your cooperation is appreciated in advance. 


XXXX XXXX XXXX
On XXXX sent a XXXX scammer {$300.00} via the XXXX feature on my XXXX XXXX Account. He never sent me concert tickets. XXXX XXXX launched an " investigation. '' I filed a police report. The officer heard my story and said, " I bet you {$5.00} you sent money to Bank of America account, right? For some reason, every scam I come across involves Bank of America. '' Telling, right? 


XXXX XXXX responded to my claim with an initial letter that said they were investigating and that they would be contacting the other bank ( BofA ) and seeing if they could refund my money. On the same day as this letter, they sent a 2nd letter saying that there was nothing they could do and that the claim was closed. 


I 've asked them if they could verify that the stolen/illegitimate checking account could be shut down - XXXX says that is up to BofA. BofA will not discuss another account with me because I 'm not their customer. 

However, XXXX did tell me XXXX and I 've learned XXXX some interesting things. In the letter they said that my transaction was initiated on XXXX. It did. They also say that this transaction did not post until XXXX. This was after my dispute was filed and after they " opened '' their investigation. Fishy. 

They also write, " Please be advised that the token you provided did not match the name of your intended recipient. '' When I asked the supervisor why in the XXXX they would allow a transaction to proceed that did not match the name of the intended recipient, he told me that I did not understand " token based transactions '' and that this was perfectly normal and not a security concern at all. 


One more thing -- while researching XXXX and their security I found this thread from XXXX that is used exclusively as a marketplace for similar fraudsters and scammers https : XXXX This thread ( before it was edited to remove the content ) talked about how XXXX had XXXX security flaw whereas you could enter any mobile number to receive your verification code -- and the number would not need to match the one associated with your bank account. 


Bottom line : XXXX does n't take their security seriously. XXXX XXXX does n't care about it 's customers and Bank of America is a haven for scammers because they do not properly verify ids when setting up accounts.
I have been trying for months to dispute a lot of the information that the company still has on my credit report. When I try to login it shows me a error message of the page not being found and then Im directed to purchase a membership that I do not want. I have called several times to correct this issue because all of my evidence is located within my phone. The issues is still not remedied. I recently disputed the same issues through XXXX and the items on my report went from 22 to just 9.
In response to the XXXX Security Breach and to protect myself from identify theft, two days ago, Tuesday, XX/XX/XXXX, I froze my credit reports with XXXX, Experian and XXXX. I accomplished this online for XXXX and XXXX, and by phone for Experian. At the end of the call with Experian, a recorded voice told me Experian would mail me my PIN number. As you may know, a PIN number is the only way a consumer can unfreeze their credit report. If I were applying for credit, to  include renting an apartment, and the lender used Experian, I would be in a bind to say the least. Today, Thursday, XX/XX/XXXX, I called Experian at XXXX ( XXXX ) XXXX to find out when they would mail me my PIN number and when I would receive that information in the mail. I was on hold for more than an hour, and never spoke to a real person. I would appreciate the CFPB assisting me in contacting Experian and finding out when Experian is mailing my PIN number and how soon I will receive it. Thank you for your assistance, which is greatly appreciated.
AFNI, Inc. added an account to my credit files and when I sent a debt validation letter, all they sent me was a bill from the original creditorXXXX. This is not proper validation per the FCRA and FDCPA laws, which state that validation requires presentment of the account history and general ledger/statements and copy of each agreement/contract signed and dated by the parties ( collectors and CRA ) responsible for maintaining the complete account history.
The collection company stated above has reported that I received medical attention at the following facilities on the following dates or that accounts were opened on the following dates :  XXXX   XXXX ,  XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX        XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX       These accounts were placed in collections when I never received medical attention on these dates and if I had, I was fully covered by    XXXX   XXXX    and  XXXX   XXXX  coverage on those dates. These are false accounts with false dates in an attempt to try to prolong the collection timeframe on accounts that are clearly fraudulent. As stated before, these are fraudulent tactics and I will be writing an official complaint to the   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  and the Better Business Bureau if these issues continue to persist.
I was given bad advice from a person on the phone. He told me to pay off my small loans first even though the interest was less than 3 % and I had loans with 14 %. I did not take his advice and told him that advice is ridiculous. I recently switched to auto pay around XXXX 2016 but then realized they were not paying my minimum payments and instead were putting more money toward my lower interest rate loans and less towards my higher interest rate loans.
ERC continues to send notices of a XXXX debt we do n't owe ( to someone with a different account # and same last name -- but who does not live here ) even after we sent them proof from XXXX that our last bill was paid years ago.
Flagship Credit Acceptance responded to my initial compliant and stated they manually updated my correct balance on my credit report. Yet as of today the alerts I have received from XXXX XXXX and a manual search of my credit report shows nothing has changed. In the attachments you will see they XXXX and XXXX both state my last payment was made on XX/XX/XXXX and my balance is over 19,000.00.  Flagship states they manually updated my correct Balance. You will also see in the screenshots that XXXX just updated my report on XX/XX/XXXX and the balance still is over 19,000.00 and says my last payment was XX/XX/XXXX. This is a clear violation of the FCRA as a consumer I have a right to accurate information being reported and it is not. I also understand that I may seek legal remedies including damages for such a violation.
I have filed several disputes with Equifax about removing a chapter XXXX that was dismissed and has been on credit report for 9 years. I have read and done research and understand that it should have been removed at 7 years. It even says on Equifax website that it should be removed. I finally called and was told by XXXX they will not remove it before10 years. He also said I must prove it was a chapter XXXX not a XXXX and I let him know that the letter they sent me states that it is a XXXX not a XXXX. He then told me since it was dismissed it will be treated like a XXXX. I did advise them I will be filing a complaint and XXXX told me to go ahead and file a complaint. That despite everything I have read their policy is not to remove it before 10 years because a dismissed XXXX is just like a chapter XXXX.
I am submitting my complaint directly to CFPB because through experience, your agency gets answers that seem elusive when mailing certified letters to the credit reporting agencies. In other words CFPB works more efficiently and decisively. 
Transunion has placed a number of credit inquiries on my report that were not authorized. 
1. I purchased a vehicle and only bought from one dealership without searching around. No other entity should have checked my credit report. 
2. Transunion lists the following inquiries which were not authorized : XXXX XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 The above mentioned companies were not authorized to check my credit.
A man in Indiana named XXXX hacked my Western Union account on XX/XX/2017, changed my login/password and all my profile information. Then they sent themselves money using a bogus XXXX acct. I received an email with every step but I did n't get this until the morning after so it was too late to stop it. I immediately called WU and they filed a " case # ''. I filed a police report and thought everything was taken care of. I received an email from WU on Sat XX/XX/2017 XXXX stating they were unable to retrieve the funds on the transaction and were therefore pursuing me for payment. I called to remind them of the fraud that took place and the man I spoke to insinuated that I had something to do with the hack to my acct. I was furious and told him I would call back with the police report # although that should have been their job. I tried calling back once I had the report # but the recording gave no options for being transferred to customer service and there were no options to leave a voicemail so I sent them an email instead along with all the information I have gathered. I have yet to receive a response from them. I hope to forward all correspondence to you for review as I would like to get this resolved without pursuing legal action if possible. Thank you for any assistance you may be able to provide. 
p.s. Some of the attachments are a result of my own investigation of the thief. He apparently lives in a town that is only XXXX miles from the location where the funds were picked up. He has a criminal background which is why I feel it is necessarily to include this for review in case Western Union would like to pursue legal action against this individual. I have done the majority of their work. They need to clear my name of any responsibility as I am clearly a victim of fraud.