WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Summary of Events : 1 ) - XX/XX/XXXX completed XXXX XXXX refinance closing and my Ditech mortgage was paid off by XX/XX/XXXX 2 ) - XX/XX/XXXX Ditech autopay was not cancelled and an extra payment in the amount of {$570.00} was issued to Ditech ; I contacted the both Ditech and the bank to try to stop the payment but was told that nothing could be done and I would have to wait for a refund 3 ) - XX/XX/XXXX I called Ditech to follow up and was told that a check was issued on XX/XX/XXXX 4 )  -XX/XX/XXXX called to follow up because no check was received but I had received other Ditech mail dated later than XX/XX/XXXX. Representative confirmed that check in the amount of {$570.00} and change had " been mailed out onXX/XX/XXXX '' and said that they could not do anything about it until 30 days after the date the check was sent. 

5 ) - XX/XX/XXXX sent a complaint via the Ditech Website, received the following response " Thank you for your recent inquiry. Your request is being reviewed and we will respond via U.S. Mail to the address of record. '' Based on my research of complaints about this company, this is a common occurrence and " 30 days '' is their typical response for delaying payments due back to customers. From what I have read, this will continue for a number of rounds while I am put off for another " 30 days '' multiple times for various reasons. Some people complained about just giving up and never receiving payments. 

First of all, I do not understand why they are not refunding the entire overpayment. I also feel like I should not have to fight or follow-up multiple times to get back a payment that is owed to me. I would appreciate any help that CFPB can provide to make sure that Ditech complies with RESPA rules and regulations. 

Thank you!
This is the 2nd complaint for Lendmark Financial located at XXXX XXXX XXXX, XXXX, MD XXXX. This company call me daily and leave messages to call them or else. Now they are calling references ( family members ) telling them about this loan. My sister notified me of the phone call yesterday ( XX/X/2017 ) and she now has blocked them from contacting her as well. I pay this account every month and they still call harassing me for payment even if the account is late one day. They also ask me to make post dated payments, which I refuse to do. Every since I wrote the first complaint about their collection practices, the calls of harassment worsened with intimidation to scare me into making a payment. They call from anonymous phone numbers ( someone name XXXX called from XXXX - I have the recording ). This loan is completed and at the end of the term ( they even sent a letter stating this ), they are harrassing me for interest they tacked onto the loan, fees or extra charges.
The MN Statute allows that creditors charge no more than {$30.00} for an overdraft or NSF fee. How are banks in MN charging more than this? I have seen fees as high as {$38.00}.
On XX/XX/XXXX, I deposited a check for {$5000.00} into my Fifth Third Essential Checking Account. I only had {$2000.00} dollars in the account prior to this deposit. Rather than hold these funds for six days ( which is the length of time stated in their Reg CC Hold Procedure ) to verify that the check was legitimate, Fifth Third Bank made those funds available the very next business day, XX/XX/XXXX. 

This out-of-state check ended up being fraudulent from an account that was closed over a year ago, so Fifth Third penalized me the full amount on XX/XX/XXXX because I had already spent {$4000.00} dollars from this account. On XX/XX/XXXX, I called Fifth Third headquarters and notified them of the situation. A representative I spoke to at approximately XXXX named, XXXX, notified me that the issue was not my fault and that the branch shouldve held the check before depositing the funds into my account. 

Fifth Third failed to follow their own Hold Procedure, which would have prevented this problem from happening in the first place, and that is why I am submitting this complaint.
My debit card got stolen and I called chase to report it. Now they are telling me all my accounts are closing and I am no longer allowed to bank with chase.
Documents send to credit reporting as result of Identity theft was not conducted appear documents got lost was not received.     With your assistance I am re-sending then again.     REF : Identity Theft I have sent previous letters to you advising you that After reviewing my credit report file with all  3 cr edit reporting agencies all by certified mail  (  copies of receipts enclosed ) re questing you to initiate the process and document and to work with me on clearing my file of inaccurate information from my file as a result of Identity theft.     To this day of this letter I have not seen any changes or deletion of accounts been delete from my file as I said before as a result of investigation requesting for clarification of account, to have finally concluded which account have to be delete as they are the result of identity theft.     Because of the time to cure this need to happen rapidly and almost a moth has been lost I am compel to communicate and resend this information with the assistance of the  Consumer Financial protection Agency  for the accuracy and for record keeping that indeed documents will be receive without having to have then lost which is the last thing I need as my identity has already taken and used illegally.     If this final request does not prompt you to conduct a proper deletion of the accounts in question, and send proof to me of send to me confirmation of  XXXX  item have been delete and that the creditor or  collectors ha ve also being advice and have them what is necessary on their part to follow for not to cause any more damages to my credit profile.     I take my credit very seriously and any lack of professionalism and assistance will be.     I trust that you will do what is necessary to protect my privacy and the accuracy of my file with your agency unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.   I anticipate your response.     Sincerely,   XXXX   XXXX
My mortgage in currently serviced by Ocwen. I applied for a Modification and began making payments under a trial period in XX/XX/2014. After turning in at least XXXX separate financial statements, numerous documents that needed to be notarized, XXXX different account agents, and 10 months of payments I was served with foreclosure paperwork. I was told when I started the Modification Process that Ocwen would help me lower my payment and apply " capitalization of arrearrages '' to my loan to make it current as soon as my trial period was over. Now almost XXXX full year later, and {$12000.00} in payments I am told that I am 3 months behind and my modification will not be approved unless I pay {$3100.00}. I have called weekly and spoken with Ocwen about the status of my account, and was repeatedly told everything was fine and I was current on all my payments. Upon speaking with my agent today I asked what I was supposed to do as I do not have {$3100.00} and I was told the modification would not be completed because the investors would not approve it and that is all she could tell me at this time. I have done everything Ocwen has asked me to do. Completed every payment they asked me to make during the trial period, turned in all the paperwork.
There is a new collection that appeared on my credit file which I do not owe XXXX XXXX, this is false information, please help
My direct deposit from work of {$1100.00} was supposed to hit on XXXX XXXX at the latest ( XXXX promises early direct deposit up to 2 days, so initially I was supposed to receive it on XXXX XXXX ). It is now XXXX XXXX and still no funds have been deposited & I'm accumulating late fees from my bills ( Which their rep stated will NOT be reimbursed regardless of the delay on their end ). They also won't give me any information on when the issue will be fixed. I was told yesterday that it would be resolved by close of business yesterday. Today came, and was told the same thing. Only to just keep playing the waiting game and getting the run around from these people playing with my paycheck.
Please review the following documents. This is payment history for the life of my ( XXXX ) private loan. I have ( XXXX ) total with Navient all with similar indiscretions. This is just an example of XXXX. I can send you all documents of all my loans if you need further review. With all the lines where I was charge capital interest, this pertains to times of financial hardship where I was advised my only option was to opt for the forebearance. I was never given any other options until recently, they offered that I could apply for income based rates. I also had delayed payment processing multiple times in which resulted in overdraft fees with my bank and late payment penalties. Ontop of all of this, everytime I call customer service I get a different explanation on issues that would arise. Yesturday I was informed by customer service that they only had access to records back dated to 2015. Anything before that they couldnt help me with.
I processed a wire using HSBC online banking, on XXXX XXXX, 2016, in the amount of XXXX. The beneficiary of this wire was XXXX XXXX. The payment was for a flight to XXXX that was taking place on XXXX XXXX. The funds were deducted from my account, but on XXXX XXXX, XXXX informed me that they had not yet received the wire transfer. I called HSBC immediately and learned that the wire was being held due to them needing more information. I was told that I would need to reach out to my account manager, XXXX XXXX, who is based at the XXXX XXXX XXXX XXXX branch. Since this payment was urgent and I was unable to reach XXXX XXXX, I had the wire processed from another account at a different bank. This payment went through immediately. When was finally able to reach XXXX XXXX, I requested that he have the funds returned to me, as I had already made the payment from another bank. He told me that he would let the wire department know not to process the wire and to refund my account. He informed me that it could take up 3 days to receive the funds. 

After 3 days, my account had still not been credited. I reached out to XXXX XXXX, who in turn sent me an email with the branch manager, XXXX XXXX, asking me several personal questions about a flight that had already taken place. I did not understand why they would need to ask questions about a wire that I was no longer sending. I explained that I only want my money back, but after several emails back and forth, with XXXX purposely avoiding my questions, I answered the questions presented, since XXXX insisted that this would be the only way for me to get my money back. That was on XXXX XXXX. It is now XXXX XXXX, and my account has still not been credited. 

XXXX emailed me today, stating that my funds will be " blocked and reported to XXXX. '' How is it that a bank can do this? I do not want the wire to be processed, I have already taken the flight and returned. I only want my funds put back into my account. This is theft and a bank should not be able to get away with this.
Capital One took money from my checking account and will not put it back. I have called several times. The transactions were not authorized and I have communicated that with them.
XXXX XXXX in XXXX, CA was supposed to be doing a student loan forgiveness program. XXXX XXXX XXXX is the representative that handle everything. She gave me the name of Equitable Acceptance to make my payments to. The initial payment was {$150.00} and the remainder was {$49.00} for 33 months for total loan forgiveness and removal from my credit report. Equitable Acceptance showed up on my credit report as a loan of {$1200.00}. I called Equitable Acceptance at XXXX, which is the number given to me by XXXX XXXX and that is not a good number. My loan was consolidated and is now with XXXX Department of Education XXXX XXXX with a payment due to them currently. I did not authorize this and this is also not the agreement that I had with them. My case id with XXXX XXXX is XXXX
After years of trouble free credit card usage, approximately four months ago Union Bank of California changed its XXXX credit card service from XXXX to a Union Bank based service in XXXX. With every statement since then, I have been charged interest in contradiction of the " grace period '' provision of the account service agreement as the outstanding account balance has been paid on time and in full as it has been set up to autopay from my Union Bank checking account. I have called to complain with each new statement and have had the charge successfully reversed each time and have received assurances that the problem was an oversight and etc. The conversations have been of the " boiler room '' variety with nonsensical and clearly false information being provided to me. The issue seems to me to be that the card provider is trying to catch people who do not carefully look over their credit card statements. A bank employee who I talked to about the issue said that the same thing was happening to him. I hope you can investigate and induce them to correct this practice.
I received an offer to change my Banana Republic store card into a Visa Banana Republic card ( use everywhere ). I accepted the offer but soon noticed that when I went online to pay my bill that the   balance would say {$0.00} and no minimum payment would be showing. I would call and pay the bill express frustration that I am unable to pay online. I have been told repeatedly that the issue is fixed but it has never been fixed. I have been charged  XXXX  {$35.00} late fees by the company for making payment late due to this system issue. I request all fees to be waived and for the system issue to be fixed. I called and spoke to  XXXX  employee number she provided was  XXXX .  XXXX  was not helpful and quite rude. I explained why I was requesting the fees to be waived but she kept reiterating that the payments have been late even after I explained it several times. After I advised that she did not understand and was not listening she began to speak loudly and I disconnected after getting her information and advised that I would submit a complaint. I can not be the only person this is happening to. I was told nothing would change when I switched cards. I have attached a screen shot of me trying to look at my account today so you all can see it shows {$0.00}. I can not force the system to take the payment.
The city of XXXX XXXX has filed a civil complaint against Wells Fargo for various illegal practices. I have a reverse mortgage through Wells Fargo XXXX am asking your help to determine whether their various charges to service this mortgage is proper & within the guidelines established by FHA. The XXXX time I called Wells Fargo for information re the monthly interest rate change notice I was told to check with the Federal Reserve for my answer! I ca n't point to any single charge that MAY be illegal but would appreciate the CFPB to ask the appropriate questions to determine whether or not Wells Fargo is treating my loan within the laws governing HECM.
To Whom It May Concern : I received an alert from Experian about an account being reported by XXXX. Please be advised I have requested validation { not verification } of an item reported to Experian by XXXX. I have received a response through CFPB that clearly violates my rights according to the HIPAA Act of 1996. 

I have filed a HIPPA violation with the Florida Department of Health for XXXX XXXX XXXX XXXX. And XXXX did NOT provide me a HIPPA release for my medical information to be sent to them, therefore by XXXX XXXX providing such information they are in VIOLATION of my HIPPA rights. 

I am proceeding with legal action as prescribed by law against XXXX should this item not be deleted within the required time allowed by law. XXXX is in direct violation of HIPPA regulations, and they are facing fines up to {$1000.00}, even possible jail time. XXXX   IS NOT LICENSED TO COLLECT ANY DEBT IN FLORIDA. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
XXXX/XXXX/15, I opened a small business bank account at Chase. I funded the account, by writing a check from my XXXX XXXX account for a large amount of money. Nine days later, and six business days later, I learned the money I had deposited into my new Chase account was frozen. THAT is my FIRST COMPLAINT. My SECOND COMPLAINT, is that at no time, was there any communication that the funds were frozen and unavailable, which means of course, by then I was out writing checks against the money, which immediately BOUNCED, which obviously is my THIRD COMPLAINT. How dare you bounce a check, as if I did not have funds in the account to pay for it!!!! Only by taking off work on my time, to go back to my local branch and raising hell, did several Chase departments get called, and funds released. The explanation I was given, was that Chase was n't able to validate the check I had used from XXXX?????? THAT IS MY FOURTH COMPLAINT! Seriously!? For SHAME! That is a STUPID response. Not ignorant ... but stupid. My XXXX Bank branch, is XXXX feet from my Chase branch, and while I know that the internal Chase departments do n't know that, what XXXX in Chase is not capable of to picking up the phone and calling XXXX if they had questions? Instead you freeze the money in a new small business account, hiding behind the phrase ... 'for your security '. AND THAT IS MY FIFTH COMPLAINT. If ANY account of mine, is at risk at any time, in any way, you had better dang well pick up the phone and CALL me. And NO, not nine days later, when I HAVE TO COME TO YOU FOR EXPLANATION. What small business on this planet, can afford to have their capital locked up for that ridiculous amount of time and certainly, with no communication from the bank. So Chase 's processes find it okay for them to play a little 'XXXX ' with my money? Let me ask you ... ..PLEASE, PLEASE, PLEASE, give me more of the Chase PEP talk, about why I should do my banking at Chase! I am ALL ears. I 'm positive I 'll be able to drink the lemonade after you 've cost me time, money, and put my business at risk.
In XXXX 2015 Experian stated to me that they could not delete the inaccurate personal information from my credit file such as the incorrect addresses, incorrect names, social security number variations ( when they clearly know my ssn and have proof sent to them ), inaccurate telephone numbers, inaccurate employers, etc. It is still reporting on my credit files and this is violating the FCRA and my consumer rights. They stated that the furnishers of data submits this information ( whether right or wrong ) and it would be up to me to contact them. Again, this is a violation. They even suggested me file a police report to remove the items.
I initiated money transfer through xoom.com which was supposed to be instant, after 6 hours I realized the money was not yet paid. I called xoom.com customer service and was told the transaction was delayed due to technical difficulties. I called back after 24 hours, the customer service agent told me she was going to check and get back to me immediately, she did not call back. I called back after an hour and requested to cancel the transaction, then, the customer service agent told me that transaction could not be completed by the recipient bank. This I do not believe because when I spoke to the customer service manager he said the money was with ACH. 
I requested for an instant refund, but I was told the money will be refunded to me in about 6 days from the day of the phone conversation. 
It is very unfair that money was taken out of my account, the transfer was not done, it took many calls for xoom.com to confirm that the transaction was not completed, and it will take almost 8 days from the day I initiated the transaction for me to get my money back. 
Companies that claim to offer instant international money transfer service should have the responsibility of informing customers within few minutes if they can not complete the transaction because it is not a free service.
My mother signed XXXX personal checks totaling about {$20000.00} to my aunt XXXX XXXX XXXX. XXXX opened a Chase savings account and deposited those checks. My mother 's XXXX bank verified the checks and Chase withdrew the money from my mother 's account on XXXX/XXXX/2016. Chase deposited the money into XXXX savings account on XXXX/XXXX/2016. Immediately after the deposit, Chase withdrew the full amount back and locked my XXXX account. Chase did not return the money back to my mother 's account and refused to give the money to XXXX. My mother passed away on XXXX/XXXX/2016. I was her Power of Attorney relating to her physical and mental health at the time when the checks were signed ( XXXX/XXXX/2016 ). I am also on my mother 's will and a beneficiary of her bank account. I even witnessed those checks being signed. My older aunt, XXXX XXXX, was/is my mother 's Power of Attorney of Property and Personal Affairs. Thuy also came into a Chase Branch to verify those checks.The documents containing the will, death certificate, power of attorney, and the beneficiary information of my mother 's bank account has been presented and/or scanned by a Chase banker. Chase told me that someone must petition for executor of my mother 's estate in order to get the money to XXXX. Petitioning for executor of estate is a very long, expensive, and time consuming process. I do not have time and the money to do this, and we need that money immediately. Chase still has not returned the money to my mother 's account or given the money to XXXX. Today is XXXX/XXXX/2016.
Dispute was filed with Equifax, but no final response have been received.  The investigative results by XXXX  concluded that  I am no longer liable for the following reported XXXX collections XXXX.  Accordingly, XXXX the aforementioned credit agencies have removed these collection items from my credit report.    However, these same collection items remain on my credit report from  Equifax  and need to be removed asap.
TD Bank credited my account XXXX $ that were bank over-draft charges as a result of fraudulent activity on XXXX/XXXX/15. On XXXX/XXXX/15 I contacted the bank to ensure that the funds had been returned to the account and that the ACH was denied. On XXXX/XXXX/15 I stopped into the branch to obtain a letter to provide documentation to an outside entity that the issue was resolved. TD Bank sent a letter stating that the case was closed and found in my favor. On XXXX/XXXX/15 they reversed the credit, in addition, charged me XXXX over draft fees for their credit reversal since they processed them separately. After 30 minutes with a representative, they stated that they will expedite the un-doing of the reversal, however, I continue to incur fees from their XXXX $ debit for purchases that were already made.