WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX and XXXX XXXX sent me a letter of notification that they had a major data breach and my personal information was stolen and compromised. I checked all 3 of my credit reports and I discovered 2 accounts on my credit report thats fraudulent, unauthorized and not mine. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX/XXXX XXXX, XX/XX/XXXX. These 2 fraudulent accounts are the result of the XXXX XXXX data breach announced on XX/XX/XXXX.
I filed a claim for unauthorized ATM transactions on my Bluebird American Express account. The claim was for $ 3k+ in fraudulent transactions. They research for one whole day before declining my dispute. The reason they gave was there was no error. No other explanation. I dont think they even researched my claim. Also, Ive previously sent them two dispute letters and they claim they never received them. I dont believe that for a minute! They just dont want to honor their zero liability policy. Im including the original letter I sent to them. The transactions are as follows ... 

XX/XX/XXXX for {$500.00} XX/XX/XXXX for {$500.00} XX/XX/XXXX for {$500.00} XX/XX/XXXX for {$700.00} XX/XX/XXXX for {$700.00} XX/XX/XXXX for {$200.00}
I contacted XXXX 'XXXX Private collections department, XXXX XXXX, to settle in full a private loan. After making a one time payment on the account I was told by the representative that it was settled with a XXXX   balance and that he would immediately report it to the proper division and have the account removed from my credit report. After the transaction was finished he did nothing from XX/XX/2018 until I finally realized I was being charged monthly by XXXX. I called XXXX and realized that nothing had been down for over a month and a half. He only reported the transaction as a payment. No one was notified that it was settled and was due to be removed from my credit report. He says he is now resolving the problem, but I don't trust that he will work to get it removed from my credit history. Now I have to wait an additional 30 days just to have a dispute resolution done by XXXX. My credit will reflect my payment for 3 to 5 months according to an XXXX agent. During the same time period I settled my remaining 4 collections accounts which are currently all reflected with one exception. XXXX XXXX XXXX XXXX did the same thing with one exception. XXXX XXXX XXXX XXXX sold my information to to companies who were texting me and claiming to be the IRS and that I was getting charged with a crime.
My wife and I decided to open up a XXXX XXXX credit card. The main incentive and motivation to open a credit card was the rewards program that would assist us in purchasing items for our new home. On XX/XX/2018, we purchased various furniture and fixture items for our house totaling {$2900.00} before taxes and shipping fees ( see attached ). The promotion that store marketed to us was any purchased made through the XXXX XXXX weekend ending on XX/XX/2018 was eligible for double points. 

The issued occurred when the purchase of the dining room table and recliner was not charged on our credit card until after the promotional period. Their system could not recognize that the purchase was made within the promotional period and applied the points as if we had made the purchase on XX/XX/2018, the date of shipment, which is outside the promotional period. As a result, we lost out of {$170.00} worth of rewards dollars we were entitled to per the credit card and promotion agreement. 

After dealing with the store and corporate, they acknowledged that a mistake was made that should be correct but they indicated that we must go through the third-party credit card provider, XXXX XXXX, to correct the issue. The credit card company said they can not control or have insight to promotions by the store and correcting the application of rewards dollars. 

After going back and forth for two months getting nowhere, I finally requested to speak with a supervisor from XXXX XXXX. The supervisor indicated that there was no way I will ever be re-credited the misapplied rewards dollars cause no one has the power to do so. I then requested that I close my account because both XXXX XXXX and XXXX XXXX breached the terms of the promotional and credit card agreement and that I was mislead. 

The account was closed on XX/XX/2018. On XX/XX/20018,  XXXX XXXX sent a letter ( attached ) indicating that based on their investigation that they will re-issued the XXXX points that should have been applied in the first place. However, because my account was closed based on what the supervisor told me, I can no longer utilize the rewards dollar. When I asked the bank how I can use the rewards dollars, the bank just said that they will use my feedback to improve customer experience. 

The way I been treated should be taken note by anyone who plans on doing business with XXXX XXXX and their subsidiaries. I hope my issue can be resolved promptly.
Capital One is reporting an inquiry on my credit reports and I never applied for anything with this organization. I am asking for the fraudulent inquiries to be deleted. They were discovered when I saw on XXXX XXXX.
I was part of the Equifax security breach. Equifax did n't take the proper steps to insure their " customers '' information was secured. After the cyberattack, Equifax tried to dupe effected customers into signing up for " XXXX '' which waives any rights to sue Equifax or be a part of a class action lawsuit.
Made purchases based on no interest promotion. Paid regualrly. Made additional purchase based on no interest promotion. Believed long period of no interest based on promotion expiration of 2018. Paid regularly. One promotional period expired and the payments we believed to go toward first purchase pay-off, went to both purchases so balance left on first promo and ridiculous back amount and continual amount of interest has accrued -- {$500.00} on initial {$1500.00} purchase. In the midst of pay-ff to GE Capital, account changed to Synchrony Bank w/o our consent. This helped to mask the confusion! Is it a common trick? Please help!
I had called XXXX XXXX XXXX to have a due date changed back in XXXX. They said that this was not a problem and that they would happily make the change, send paperwork to sign and return and have the date changed from the XXXX to the XXXX effective immediately. The gentleman i spoke with also said that if I had any problems or saw a late fee to call and they would take care of it. I signed the paperwork, sent it back and continued paying on my loan every month thinking everything was ok. I then noticed {$190.00} in late fees on my account and when I called XXXX XXXX XXXX regarding this I was first told that they had no record of the conversation occurring, then when pressed they admitted to the conversation happening. Then they said that they never received the paperwork I sent to them and said that they would not wave the fees like they had said they would. They transferred me to a senior account rep but said " I doubt they 'll do anything ''. The senior rep really did n't even listen to what I said and refused to work with me at all, so I asked for her supervisor and was told I would get a call back. They have recordings of all these calls but are refusing to work with me on fees that were charged due to their error, not mine. I would like to request assistance in resolving this issue. I have XXXX new vehicles i purchased from XXXX in the past year and expect much better treatment than this.
I recently received a copy of my Equifax credit report .the credit report showed a credit inquiry by XXXX XXXX that i do not recall authorizing .I understand that XXXX XXXX should n't be allowed to put an inquiry on my file unless i have authorized.
I called a number that I found when I searched for Navient Customer service. I called twice. Each time I answered they said Hello, my name is XXXX. Are you calling about your federal student loans? I then said yes and proceeded to give them my email and social security number. They emailed me a pin number that I needed to repeat to them but I needed to get off the phone to view the email. They were both times to call back in 5-15 minutes. Neither times did I receive a call back. The number I called was under navient.studentserviceloan.org. 
The two numbers I called was XXXX. Then after I began to think I may have been scammed, I searched navient customer service again and a different number XXXX. So I called for sure third time and when they said Hello, my name is XXXX. Are you calling about your federal student loans? I ended the call.
Constant phone calls when the account rolls past due. My payment is due on the XXXX of the month and I occasionally need to make the payment late due to the fact that I am paid on a bi-weekly basis. 

Recently, my account rolled past due, but I scheduled a payment that would be withdrawn from my bank account on XXXX XXXX, 2016. This payment was scheduled on Thursday, XXXX XXXX, 2016. 

Despite the fact that I scheduled a payment, the phone calls persisted. Between XXXX XXXX, 2016 and XXXX XXXX, 2016 I received a total of ( 17 ) calls from Citi regarding the account. I did n't answer most of these calls as they called while I was either at work or driving my vehicle. 

The phone calls are OUT OF CONTROL. There is no need for them to call me this many times, especially given the fact that a payment was scheduled. This is n't an isolated incident as this has happened to me every time my account has rolled past due. 

I would like to see this matter investigated as I ca n't be the only person who has this issue with Citi Student Loans.
The debt collector did not want to agree with the amount I could pay to help satisfy the debt so I told him that I could not do it and he refused so I hung up. The collector has contacted my ex wife of whom I have been divorced from for 10 years and he also have been contacting my job making threats. He has released all of my info to whoever answers the phone and this is becoming a problem.
Hello, I currently have a savings account open with Wells Fargo and reached out to them a few days ago regarding a credit transaction to my account ( direct deposit ) that occurred on XXXX. I do not recognize this transaction, I am unaware and unsure of where this money is coming from but it is NOT mine and need to close off this account effective immediately, however Wells Fargo said they would leave the account open until they finished an investigation as to where this money is coming from. 

This is the transaction : XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX, XXXX {$97.00} I have checked my account once more today to see if the funds have been debited once more and they are not only still there, but also I have received yet ANOTHER credit to my account from the same source, listed below : XXXX/XXXX/16 XXXX XXXX XXXX {$130.00} I have tried reaching out to Wells Fargo, numerous times today unsuccesfully. Their customer service support line keeps dropping me despite their service saying it is 24 hours a day 7 days a week. 

These deposits are NOT mine. I need to close off this savings account. I DO NOT RECOGNIZE THIS MONEY. I want it pulled out of my account and I need help with closing off this account.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

Bankruptcy : Dismissed CH-XXXX XXXX : XXXX Experian : XXXX   Chapter XXXX Bankruptcy Dismissed XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX XXXX : XXXX, N/A XXXX : XXXX, N/A XXXX : XXXX, XXXX XXXX. XXXX : XXXX, XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX   XXXX : XXXX Experian : XXXX XXXX  : XXXX, XXXXXXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX  XXXX XXXX : XXXX Experian : XXXX, XXXX XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX.
In XXXX XXXX my house was damaged by super storm XXXX. We received some funds from XXXX and through our flood policy however had to come out of pocket with a lot of funds as well. Inbmarch XXXX I received notice from XXXX that they were auditing all of the NY claims as they realized they had under estimated on the funds they paid out and had shorted home owners. I immediately filed for a review of my file. ThXXXXe determined that yes I was shorted and this XXXX issued a check for $ XXXX. Because I XXXX mortgage the XXXX was made out to myself and the mortgage XXXX servicing. I have contacted XXXX, specifically XXXX Frye, multiple times. He will no longer call me back. I had requested how I can get the check endorsed. there was no additional work done to my house and based on their track record of handling my mortgage servicing thus far ( you can see I have multiple complaints for basic servicing items ) I do not XXXX for just blindly send the check in without some assurance that they know what to do with it, endorse it and send it back to me. My husband and I laid out a lot of money out of pocket to fix out house and this will help, to replenish the savings we had to pay due to XXXX shorting us.
I have too many inquiries in my credit report and i never give permission to run my credit to those creditors
SLS Select loan servicing used erroneous income for my loan modification. It 's been over XXXX years since they have had my file and I believe they just rolled the dice, picked a number out of a hat and walla! a loan mod that reflects an income of over XXXX dollars. I do not make XXXX dollars a month and never have! I am appalled at their conduct and request a thorough investigation on their sloppy underwriting and mis handling of my file. There is a sale date set for XXXX XXXX 2015 and I am very worried in that, they way they underwrite/ handle files, will cause me to lose my home.
I have disputed XXXX XXXX a number of times with XXXX XXXX Experian. None of them have done a full investigation. I have requested a FULL FULL FULL investigation. I demand that a FULL investigation be done as to every aspect of this account. All original signed documents a FULL investigation I demand that the results be made available to me within Five days. This needs to be expedited, all XXXX CRA are in violation of the law. Please forward this to FTR and all governing agencies. I have made this compliant to the CFPB previously. I plan on taking legal action my civil rights are being violated in addition to at this pointe being a willful act to cause me harm.
I lodged a complained against XXXX XXXX XXXX regarding a phone service and I was due a response regarding this matter. My bill was sent to collections and now, I am outraged and would like to find a solution.
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social  security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if  it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Visit local car dealership Hyundai of XXXX XXXX NC gave permission to check my credit and I recently found out they ran it totaled of seven times.Five times on XX/XX/XXXX and once on XX/XX/XXXX call them after receiving letters from different financiaing companies and they reinsure me that they only check it once and the letters were advertisement who they are affiliate with Im seeing if I can dispute the hard Inquiries on my credit report from this. Thank you
Nationstar Mortgage paid my homeowners twice last year resulting in a {$500.00} per month increase in my total house payment. Several months later, they continue to refuse to correct the mistake, and have now reported me to the credit bureaus.
Along with my social security number, another social security number that is not mine came up on my credit report within the last month. I was alerted by my home loan officer at my mortgage bank. This number does not belong to any family members that I am aware of.
As a result of the data break at Equifax, my personal financial information has been compromised, and I no longer know who has access to my most sensitive data. Equifax did NOTHING to notify me of this, and I had to learn through mass media channels MONTHS after the initial breach. 

This is simply unacceptable. Equifax has put both me and my family at risk. And the worst part is that I do n't know the extent to which we are endangered.
This is regarding the RCI Mastercard from Barclaycard. 

I set automated payments through my online banking for a transfer I did over a year ago and payments were happening without any problem. The on XXXX XXXX, XXXX I learned that I owed over {$200.00} dollars in late fees, which was unexpected given the automated payments. I called and was told there had been an interest rate change that I did n't know about. Anyway, not only I proceeded to pay that fee but I also asked what the balance amount was so that I could pay it in full and have XXXX balance. The proceeded to pay the full amount but then on XXXX XXXX, XXXX I get a statement indicating a balance of close to {$1000.00}. Note that I made no use whatsoever of the credit card. I called again and the representative said it was balance left from the last payment. I insisted that I paid the full amount I was told to be at XXXX balance because I did n't want to have to pay interests. So then I asked again for the full amount to have XXXX balance and I paid immediately. Then last night, XXXX XXXX, XXXX I get yet another statement indicating that I still owe {$2.00}. This is unacceptable! I called and was told it was interest. Why is RCI Mastercard Barclay doing this? The only explanation is that by ripping of a few dollars out of hundreds of thousands of customers they are ripping XXXX dollars from us. I the end the representative waved that payment but ( a ) I may still get another statement next month and ( b ) the issue is not the amount but the act. 
There should be a Class Action Suit against RCI Mastercard Barclay because this is deliberate abuse. I demanded all my conversations with RCI Mastercard Barclay to be recorded so that they can be subpoena. 
It is the responsibility of the authorities to take action on this.
Upon checking my credit on XXXX and XXXX, I found a new collection under Enhanced Recovery ( ERC ). I 've already submitted a dispute on both credit bureaus because I have no knowledge of this debt. The collection info says I owe XXXX {$460.00} as of 2012. I did not even have an account with XXXX XXXX XXXX around that time. I have never been contacted by XXXX XXXX XXXX saying I owe them anything, so I 'm pretty sure this is a scam. I 'm sending a letter to ERC today via certified mail, with return receipt requested.
XXXX   XXXX ,  XXXX  Consumer Financial Protection Bureau   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX  IA  XXXX  To Whom  It May Concern : Over the last 2-3 ye ars I have had numerous collections accounts appear in my name and social security number on all  XXXX  credit reports fro m 2 differ ent collection agencies,   XXXX   XXXX    ( Original Creditor   XXXX   XXXX ,  XXXX  OK ) and I believe another collection is about to be reported to  XXXX ,   XXXX   and  XXXX  by  Progressive Financial Services ou t of  XXXX  AZ, also representing  XXXX   XXXX  in   XXXX   XXXX   XXXX  OK for I assume, cable services and equipment.     I 've never lived in, been to or know anyone in Oklahoma. The same thing has happened to my son and husband. I literally just had an account with   XXXX   XXXX   (  XXXX   XXXX   XXXX  OK ) deleted from all  XXXX  of my credit files within the last month.     For example, my son just checked his credit monitoring service earlier today and   XXXX   is showing a new collections account  with Progressive Financial Services, orig inal creditor,  XXXX   XXXX  out of   XXXX   XXXX   XXXX  OK. I assume that eventually all  XXXX  credit bureaus will have new collections reported to all  XXXX  bureaus on my credit, my sons credit and my husbands credit. The reason I 'm filing my complaint through CFPB is because I am emotionally exhausted from having to deal with the collection agencies,  XXXX   XXXX  and all  XXXX  bureaus, on an individual basis.     I have spent hours getting all the other collections removed which are a result of identity theft. I 've already warned the original creditor (  XXXX   XXXX   XXXX  OK ) to remove any current or past due accounts in my name and social security number from their systems or I will take legal action. Altogether, since  XXXX , there has bee n 8 collection  accounts reported to all  XXXX  credit bureaus under my name and social security number and all of them have been accounts with the original creditor being  XXXX   XXXX    XXXX   XXXX   XXXX  OK. I live in Florida and have since  XXXX  except for 13 months from  XXXX   XXXX  through  XXXX   XXXX   XXXX  when our family moved to   XXXX   XXXX   to care for my terminally ill father. We moved back to   XXXX   in  XXXX   XXXX   XXXX  and have lived here in  XXXX  since.     Please do something to st op Progressive Financial Services f rom reporting any additional collection accounts to any of the  XXXX  credit bureaus. If  PFS has al ready reported accounts to my credit, they need to remove them as soon as possible. My credit monitoring service doesnt update my credit information until the end of the week so, more tha n likely Progressive Financial Services has already reported new collection accounts on my credit.