WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax mishandled my personal information in a recent security breach on or around XXXX XXXX. I was made aware of this break during the week of XXXX. This puts me and millions of other people at risk. I am listed as a potential victim on their XXXX website, and would like a resolution.
Applied for apartment at  XXXX   XXXX  in MD which required a credit and background check. Called back the facility on  XXXX / XXXX /   17  to receive update of application status and was told I was denied because of bad Credit History provided by   XXXX   XXXX   XXXX   XXXX   XXXX  . Called the agency responsible for the report and managed to get a copy of the report on  XXXX / XXXX / 17 . Report at top states no match to my social security number. Report has same n ame, DOB, a nd some matching information l ike one fo rmer address and  XXXX   XXXX  information. Other places of residence in Florida, Social Security Number, Collections History and  XXXX   XXXX  card information are not mine. Report states  Trans Union  was used as referral for report. Checked with  XXXX   XXXX  on  XXXX / XXXX / 17  and confirmed that no one else on my account. Pulled free credit report and received  XXXX  report stat ing Credit bac kground is exceptional, no collection and no  XXXX   XXXX  account present. Due to false information provided lost the apartment unit I was looking to move into and application fee and securit y Deposit.
CBE collection is reporting an amount of {$200.00} for XXXX XXXX XXXX which is now XXXX. This is false! I paid the {$200.00} to XXXX XXXX last year in XXXX or XXXX to restore my services of which I have cable services with to date. I spoke with XXXX XXXX at XXXX if payment and requested they remove debt the representative called their collections department and assured me it will be taken care of. I called a representative yesterday and explain this and request they take care of ASAP he advised me to call I requested XXXX XXXX call and confirm debt is paid because they are the XXXX that can verify that. Rep stated they will contract CBE and follow up with me. Im not confident this will happen because I was assured it would be taken care of last year.
Navy Federal harassed my mother on her personal cell and at work, ( I did not have her listed as a relative of mine, nor did I supply her phone number ) and she received demerits for personal calls while at work. She explained to me that she got a call from them ; she thought it was about her account with them, and they asked her did she know me. She immediately replied that while she did know who I was, she did not have a relationship to me that would allow her to be privy to the information they were about to discuss. She hung up.I then called and I explained that I did not want my business discussed with any XXXX other than me. She then began getting calls everyday and she asked to be removed from their call lists about this issue. Then they began harassing her at work, using her personal extension. She again asked to be removed and then they called the main line and asked for her personally to talk about my account. That is when she began having issues at work from those calls. I then called and asked how Navy Federal got her contact information. I explained that I did not want my business discussed with any XXXX other than me.
My name is XXXX XXXX, XXXX XXXX XXXX, XXXX Texas, XXXX My husband and I bought this prepaid Visa one year ago. We put {$100.00} on this prepaid Visa. We we tried to activate it we were told the company had no record of the card. We contactedU.S.Bank/U.S.Bankcorp/XXXX XXXX XXXXXXXX at the number on the back of the card, which was, XXXX, many times, but could never manage to get someone on the phone. After many frustrating months, and numerous phone calls We managed to speak with someone who informed us that the card had a {$0.00}. We weren't able never able to even activate it much less use it and again were told there was nothing they could do. The card value was {$100.00}, and is currently valid through XX/XX/2021, as stated on the front of the card. We are asking that CFPB please make others aware of this problem to prevent this type of fraud happening to anyone else! And, if in the process, CFPB could assist us is receiving our money back, we would be very grateful! Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Texas XXXX
The lender of my paid off mortgage, Ditech, has failed to return my escrow funds. The load was paid on XXXX XXXX, 2016 and I have yet to receive the funds. I have contacted the lender multiple times and have been told several different stories regarding the escrow funds. Basically, they tell me " check 's in the mail '', but I have never received it, although I did receive the final escrow analysis indicating that funds were due to be returned.
In an attempt to resolve a customer service issue with Capital One Bank ( XXXX, VA ), I submitted a complaint to the XXXX, which is now closed. In their response to the XXXX, they submitted personal information in the form of my account application which included my name, DOB, SSN, and address. This information was unnecessary to disclose and should have been redacted. When I expressed concern to Capital One about the mishandling of my information, they told me I had authorized release of such information and that they were compliant with federal law. I believe they have violated my protection by law and wish to express that complaint to a government entity so that others are not impacted by such oversights in the future. I am particularly angry because I experienced identity theft at the same time as they mishandled my information.
On XX/XX/XXXX I went online to this loan company and took out a {$500.00} loan. I started making my payments on time until I had to close the account I was using to make the payments. I contacted Bigpictureloans to let them know that I was no longer using the account and wanted to use another checking account with a different bank. I was informed that they would have to do a 3rd party call with the bank to verify that the account was open and how long it has been opened. We made the call to my bank several times but the bank refused to take to Bigpictureloans while being on the phone with me. so they told me to use my debit card or credit card to make my payment, in which I did but my bank denied it because they were using a third party transaction company out of the XXXX and my bank told me they blocked it because of potential scam being that its in the XXXX. I notified Bigpictureloans about this and they instructed me to start mailing in my payments by money orders. I had 3 payments remaining until my account was paid in full, the payments that I made by money order was posted on the website as current up to XX/XX/XXXX. On XX/XX/XXXX I mailed in a money order for XXXX on the XXXX which they should have received it on the Friday the XX/XX/XXXX like the other mailed in payment, so now my account in past due and they are saying they have not received the payment and it would take up to 7 to 10 business days to post ( the other mailed in payments didn't ) and I called them on XX/XX/XXXX to see why and then that's when they told me about the 7 to 10 days. In the meantime, I checked on the website and it said I had to pay XXXX to bring my account current, in which I mailed it on XX/XX/XXXX. Now they are saying they haven't received that money as well. I have been calling to speak to someone about this and they keep telling me not to call but wait for their support team to call me back or I will get an e-mail. I called on Saturday, XX/XX/XXXX. I haven't heard anything from them, each time I called they would put me on long holds, and they would ask me questions to make me say YES, if I didn't say yes they would just sit on the line saying they are viewing my account. I would hold for 10 minutes or so. I called today XX/XX/XXXX and they are still doing the same thing. I have one last payment on XX/XX/XXXX for XXXX but when I talked with them they told me to pay XXXX or XXXX to pay off the loan. I told them, if I pay anything I will pay my last payment agreement of XXXX not the amount I was told. I need to know should I make the last payment or not. I was doing some online investigating and I have discovered that there was a lawsuit with this company here in the state of VA and Bigpictureloans lost because its illegal to charge high interest rates. According to the website, I have paid a total of {$2000.00} in interest and principle amount of {$350.00}
I just found out that there are XXXX liens on my primary residence by a creditor named citizens bank national association. 
The debt was for a rental house that was foreclosed on back in 2012. I hired a law firm from XXXX XXXX to do a loan modification to save rental. Turns out the lawyer was a scam artist that has been disbarred by the state bar of calif. 
I not only lost money to this law firm, but lost my house. I have no idea who this citizens bank is or how they were able to file a lien on my primary residence for approx $ XXXX and another one for approx XXXX. 
I need your help in resolving this matter and find out how this could happen.
I had my car loan from First Niagara Bank since 2015 but was changed to Key Bank, since the first payment made I have had issues with Key Bank properly posting my payments. On the first payment, the remaining or extra amount that I had sent was posted to the following months payment even though I specified that I wanted it posted to the principal. Then for the following 2 months, my payments, which have all been sent in on time are showing up on their end as late. I have also received XXXX late fee charges for this. This month, once again my payment was not posted correctly because my minimum payment for the month is twice as much. I have to spend hours on the phone every month to correct what is being done wrong and every time I am told that it will be fixed yet it continues to happen.
RE : Unreasonable PNC Service fee charges This complaint is the {$2.00} service fee charge for monthly paper statements that PNC charged me even when I specified I wanted only online statements when I opened my account. When I opened a checking account with PNC, I told PNC that I wanted online statements to avoid the {$2.00} service fee. However, two months later, I found that I was charged a {$2.00} service fee for my 'spend ' account and another {$2.00} for my 'reserve ' account. I called up Customer Service and I was told that " that is the way the PNC system is set up : in the first month, the customer will always receive a paper statement and will be charged a {$2.00} service fee on the 'spend ' and 'reserve ' accounts. Why is PNC making me pay for its own inability to fix the system?! I already specified online and they still send a paper statement and then charge me! This is unreasonable and infuriating! And they are making a double killing because a 'spend ' account is tied to a 'reserve ' account and a 'growth ' or savings account. I did not even transfer any money from my 'spend ' account to my 'reserve ' account and I still got charged! 

Please look into this unreasonable and burdensome service charges! This system is so wrong!!!! PNC SHOULD BE FINED AND THE SERVICE CHARGES RETURNED TO CUSTOMERS! WE SHOULD NOT PAY FOR PNC 'S INEFFICIENCY AND INABILITY TO FIX ITS SYSTEM! 

Thank you, XXXX XXXX XXXX PNC client ( XXXX, VA )
I received a XXXX from Synchrony Bank for a PayPal credit card. The XXXX stated the identifiable code for the cancellation of debt was " G '', which is " Decision or policy to discontinue collection. '' Due to this, I submitted a request to XXXX to remove this account from my credit report, they did not. I am requesting that this account is removed from all of my credit reports due to the fact that Synchrony Bank is discontinuing collection, issued me a XXXX and I am now liable for the amount of debt discharged on my taxes. The continued reporting of this account on any of my credit reports is not accurate.
The lender Navient solutions inc. has been ripping students off on a daily basis and I happen to be one of them.They reported that I owed them outrageous amount of money from school I attended back in 2010 ( XXXX XXXX XXXX XXXX ). They failed to apply my monthly payments to my total account balance and were constantly harrassing me on phone when I dropped out of the program.They totally ruined my credit score.
I applied for a business loan through a bank and they pulled my business credit report Business name is XXXX XXXX XXXX XXXX XXXX # XXXX there is something listed which is unknown to me, I believe placed in error on my business credit file. It also appears to be outdated and past the statute. I need help. I tried to call Equifax and can not get anyone one on the phone.
I started to order product from XXXX thru their agent over the phone. I provided a credit car but when the agent advised that we will be placed on automatic shipments I said to cancel ecverything, that I did not want their product if I had to be placed on automatic shipment. Operator said it would be cancelled. I then get a bill for {$130.00}. I have never received any product from this company. I have sent them XXXX debt defense letters where I ask them to show proof that I ordered the product and proof of any alleged delivery. Apparently they ignore these for I just received another collection letter from Retrieval Masters Creditos Bureau , Inc. XXXX, NY XXXX. I have been disputing this debt with debt to no avail. When I look on the Internet there are XXXX of cases of consumers going thru the same problem with XXXX. 
Thank you so much for your help.
I have been working with Selene Finance for almost a year now. We started a loan modification which started in XXXX 2016 in which the first payment had to be {$1700.00} and sent by XXXX or XXXX XXXX. They received that payment. The next payments from XXXX to XXXX were {$890.00} and they were paid {$890.00} every single month. I got a call from the agent that was working with me throughout the modification in XXXX asking me when my payment was going to be made so they could go ahead and finalize my modification as soon as the payment was received but that never happened. What I got was an excuse that they were too busy to finalize my modification. After the final payment while I was waiting on papers in XXXX that never came I sent it my original payment of the {$630.00} being that I had not heard from Selene any more except for receiving a foreclosure letter during the modification which I was told to ignore and they do n't know why it was sent. When I sent in the original payment I got a call stating that if I wanted them to finalize my modification I needed to send in an additional amount of {$250.00}. I asked them to send me a letter stating the foreclosure was in error before I sent in anything and I got that on XXXX XXXX, 2016 by XXXX XXXX. It also had a letter attached with XXXX XXXX who was listed as Team Lead. However even after making that payment I never received my modification papers or even heard anything else from Selene until XXXX XXXX from a XXXX XXXX. I was told the morning of XXXX XXXX, 2016 that a letter had been mailed out to me on XXXX XXXX, 2016 stating that I needed to make my payment in order for them to continue with my modification. I gave XXXX the payment over the phone that same day during this particular conversation only to pull a letter out of my mailbox on XXXX/XXXX/2016 saying I would not be getting my modification. I paid every payment during that trial period exactly the way I was told every single month. I got the run around for 3 months and this company who I had read at least XXXX complaints about the same exact experiences and this company continues to get away with the same tactics on taking people 's homes. I 'm not understanding how they continue to keep getting away with this to people they are suppose to be trying to help. We did everything that was asked and here I am reeling about trying to save my home when this is what I thought I had been doing for the past couple of months.
On XXXX XXXX, 2016, I mailed a letter to Firstsource Advantage requesting how to contact me. I informed them in writing to only contact me by mail. The letter was received by them on XXXX XXXX, 2016. Today, XXXX XXXX, 2016, they called my mobile phone number at XXXX.
Portfolio Recovery Associates has claimed I owe three different debts that their company owns. This account was disputed the first time with XXXX, XXXX, and XXXX on XXXX XXXX, XXXX. I received correspondence from Portfolio Recovery Associates in the form of a statement. I clearly asked for VALIDATION and it was not validated at all. I sent a second XXXX XXXX, XXXX round of disputes to all three credit bureaus again asking for validation ; I, again, received a old statement from Portfolio Recovery Associates. I disputed a third time on XXXX XXXX, XXXX and I received the same old statement that I received the first and second time. I recently was turned down for a mortgage because of it. I am due to welcome in a XXXX XXXX XXXX very soon and this has greatly depressed me. Please investigate this matter for me. I thank you for your time.
My Wells Fargo account has been compromised several different times over the course of these past 2 years and the loan officer at the bank is saying they can not go back past a year and figure out what happened to over {$55000.00} from my accounts. I know for a fact that this is not true, but I do not understand how she can boldly lie to me about my own accounts and treat me as if this was my fault. I have filed a police report in XXXX county and plan to fight these fraudulent withdrawals to the fullest extent of the law.
Sequium solutions XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX ( debit collections ) On XX/XX/18 tried calling no answer just a message service, on XX/XX/18 I tried to challenge it on line through XXXX credit and gotten a email back saying it was valid and it's not
With our move to California we purchased a new home using the mortgage arm of the builder Universal Home Mortgage. Before we signed a contract with the builder we made sure everyone knew our closing expectations. We had a tight deadline to be out of corporate housing and it was communicated to all parties engaged. While our loan was not a standard vanilla file, most of the documentation had to be sent XXXX or XXXX times. In many cases I would forward the prior emails attaching the documentation needed. When it came down to closing they still hand not heard from the investor so they proceeded with self funding but before they would agree to do that, they had us sign a Cooperation Letter basically stating that we would cooperate with them after the closing on any documentation needed. Once we closed on the property the list of requests started to increase, they wanted checking and investment account statements for post closing, asked for additional letters of verification from my XXXX account and then stated that some of the documentation I provided was screen copies versus actual statements ( which was totally inaccurate ). I resent all the documentation they asked for again while receiving emails asking for status of the outstanding data. The builder side of the equation was fantastic, they made our home buying experience great. The President of the building division called and allowed me to walk through the challenges we had. He suggested I send the information to UAMC 's President ( which I did, but have never received a call or email back ). The more I questioned their processors it seemed the more documentation they would ask for me to supply. Today I sent them the last piece of documentation I was waiting for from XXXX. I am hoping that I can now consider this chapter in our lives closed, but hope and pray that no one else goes through the nightmare that I went through. Multiple copies of the same information, being told what I sent was not really what I sent and questioning every aspect of the documentation. I could see someone losing XXXX or XXXX pieces of data, but almost everything had to be sent at minimum XXXX and more like XXXX times to them. Their phone interaction was short and abrupt, customer service was not their strong point.
Columbia Recovery Group DBA XXXX XXXX sent us a letter on XX/XX/XXXX, which we received on XX/XX/XXXX, stating they are collecting on behalf of a landlord {$240.00}. They attached a move out inspection report that was falsely altered after we signed it. We replied by certified mail on XX/XX/XXXX informing XXXX XXXX that we dispute this alleged debt, that we demand verification of these charges within 30 days of receipt of this dispute letter, or else, provide written clearance of this debt. We attached copies of our original signed move-out inspection reports that show no damages to the unit. Where in fact the landlord owe us the damage deposit minus utilities. 

XXXX XXXX did not respond with written clearance of debt. Nor did they provide verification of the alleged debt. XXXX XXXX proceeded to contact us by phone and email, harassing and threatening us verbally. On XX/XX/XXXX, XXXX XXXX emailed us requesting payment, did not provide verification, and then on the phone threatened to harm our credit rating if we did not pay by XX/XX/XXXX.
XXXX XXXX XXXX in XXXX tricked me into purchasing a vechicle which was about {$5000.00} over priced. They did not inform me that the car was only worth {$6000.00} at the time. I did not find out until I attempted to refinance. The bank informed me I owe 2x what the car is worth. My payments have always been on time. But still I can not get refinanced. The XXXX XXXX location I purchased the car from has since been closed down for fraudulent practices. I am now stuck with a 18 % interest rate and a car unable to be refinanced. Safco the lender stated to contact XXXX XXXX. They refuse to work with me.
I am requesting an investigation into an incorrect 120 late payment posted fromXX/XX/XXXX. Beginning XX/XX/XXXX my Capital One account changed from ( Visa to Mastercard ). This caused inaccurate payment postings. I had difficulty paying online and was unable to post payments correctly. The payments were posting to the incorrect account. I had excess on one account and a late charge on the old account. I continued to get mail stating I had n't made a payment.
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I contacted Capital One and the representative was confused about my request, but I was finally able to speak with someone that understood my problem. The representative was able to assist me to finally post the payment to the correct card, but it left me with an inaccurate and unfair reporting to XXXX. Capital One continues to report that I was 120 days late making a payment. This account had a maximum balance of {$180.00} part of which was fees from untimely payment due to the change with credit card types. I did n't request the change in credit card types and I did n't request to have the accounts incorrectly posting payments. I had n't had any delinquent payments prior to this credit card change ( Visa/Mastercard ) and have not had any late payments with any creditors since this incident.
Revenue Recovery Corporation attempted to change credit card amount they where not authorized to do. They changed my debit card XXXX which they where only authorized to do XXXX for a payment. This is an ongoing issue with different people I have talked to regarding this account. The company does not call you back to resolve an issue with the account and continue to lie about whether my wife or I authorized money to be taken out of our bank account.
I have been fully XXXX and receiving social security XXXX since XX/XX/2010. My loan has not gone away even though it was supposed to as stated in the promissory note. I have still been paying, and dealing with a different company than XXXX now. I 've submited evidence of XXXX to them to no avail. Thank you, and please help. XXXX