WillisBack/dataset-financial-user-claim huggingface dataset:
Pnc bank is trying to take my funds stating I have an outstanding balance from XX/XX/XXXX. I opened this account in XX/XX/XXXX. I have a previous account with pncb an that was closed because pnc bank had fraudulent practices which forced the consumer to pay extra overdraft fees. A class action suit was filed and pnc bank settled. These fees were reversed and everyone who submitted a claim was rewarded. I have not received one notification from pnc bank that referred to any outstanding balance. This outstanding balance is due to fees from that old account. Since XX/XX/XXXX, pnc bank never sent one notice nor have a received any notice from any collection agency on their behalf. I was in the XXXX XX/XX/XXXX and applied to receive unemployment compensation which I setup to go into this account. On XXXX XXXX, XXXX, XXXX deposited the funds into my new pnc account. On the same day, pnc closed my account because " I had a XXXX balance for one month ''. I called pnc bank to resolve this issue on Monday, XXXX XXXX, XXXX. I was told the account was closed and why. Pnc reopened the account but stated a had an outstanding balance from XXXX. I explained to them that that old account was apart of a class action suit and I did n't not owe these fees. Also, as previously noted, pnc bank never notified me previous to XXXX XXXX, XXXX that there was an outstanding balance in question. There has been no detailed accounting of what I owe these fees for but pnc bank is trying to apply my XXXX funds toward rhus XXXX balance. I opened this account in XXXX XXXX and have had many deposit into this account. If there was a balance in arrears, why was n't it applied between XXXX XXXX and now. They could have gotten this number from anywhere. They are either trying to collect on these accounts they lost in a settlement or they are outright trying to defraud the consumers.
I have a falsely reported derogatory creditor on my credit report. 

I had an account with XXXX XXXX XXXX with a credit limit of {$400.00}, in which the last payment on the account was XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. It appears XXXX XXXX purchased this debt in XX/XX/XXXX, and is requesting an amount of {$1100.00} to clear the debt. 

I have attempted to file disputes regarding this debt, with no resolution. 

XXXX XXXX last reported to XXXX and XXXX on XX/XX/XXXX.
I applied for a installment loan through spring leaf financial website. I received XXXX phone calls after I completed the application which I was unable to answer as I was at work. I called the next morning, and after an hour on the phone I had to get off and go to work and nothing was resolved it took that long to find my application which had me concerned. I called back on my lunch break and spoke to a representative that stated she would assist me in finishing my application. I went through all the questions, income, finances, assets etc, she then transferred me to XXXX to complete the application. He completed the application and said that he would be emailing me documents and I need to send in my check stub and my XXXX to verify my stated income which I though was odd as I am only applying for XXXX and I already had a previous loan with them on XXXX which I paid off. I explained this to XXXX to which he stated they still need the information and will have an answer once I submit these documents as to if my loan is approved or not. I though this was odd because when I submitted the application at the end on their website it said I was approved for a {$2000.00}. XXXX assured me he was emailing me the documents and to send them in asap. I still have not received the email and I am unable to reach spring leaf
Try to fix with then but refuse to help But all fraud charges agains 6 month This item need to be removed from my credit report. 
This is fraud
XX/XX/XXXX I was called by XXXX XXXX and informed that money was owed by me and I had very little time to pay it back or be forced out of school. When I inquired about the money or why I was being charged the once helpful demeanor was met with standoffish and unhelpful from everyone involved. I was no longer being provided with answers when I asked questions and it became very clear due to fear of legal repercussions they weren't going to inform me of anything aside from the money owed. Furthermore, due to XXXX XXXX XXXX habit of charging per semester instead of per class ( there are three or four classes per semester ) I was trapped inside a semester I couldn't pay for. My understanding was that, I owed money for an undisclosed reason and couldn't continue going to school however I was still pushed into the following semester. I felt I was trapped, as so the school could continue to charge me. 
I faced an emergency and when I asked my instructor he looked at me lost and said he didn't know. I went back and forth between him and administrator as they argued to see who would be responsible for my absence. 
Skipping to this year. In XX/XX/XXXX I was contacted by debt collection agency who informed me of a XXXX dollar owed to the university. My understanding is : the money that the University is claiming I owe, is coming from the money they had to refund back to the government, and to themselves ( They offered me a scholarship ). I'm being asked to pay for services I was never given. The school itself claims the original sum -- which forced me out -- from a class I was to retake. Unless my memory is faulty the emergency that resulted in a missed class I spoke with admin and brought along hospital papers to prove my stay in the emergency room. The other incident I can recall that may have forced me to retake a class mentioned above and I thought excused. I can not recall any other time I would have needed to retake a class that would require a retake fee prior to XX/XX/XXXX/XX/XX/XXXX. There was also never any mention when I spoke to admin that I would be charged during these events as far as I can recall. 
In closing, I spoke with the debt collection agency XXXX XXXX XXXX and asked them to provide paper work ( bill, account summary, paper work, etc. ) to show to legal console for advice on this matter. The paper work I received from XXXX XXXX XXXX states account balance of XXXX dollars, to make sure it wasn't an error on their part I reached out to XXXX  XXXX  and got a Student Account Summary and can confirm Acct. Balance and Category Balance is XXXX. Before ceasing all phone communication ( in writing from now on ) with XXXX XXXX XXXX. I asked them if they had a contract or agreement stating that I would be responsible for this charge and was met with a " XXXX XXXX  has provided me with information regarding your case and no. I can not say. ''
I was XXXX from XXXX XXXX, XXXX to XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I wrote American express serve and advised them that a man picked my property up at the jail and did not bring it to the person he said he would, instead he took my banking card and withdrew XXXX. Upon my release I filed a claim and it has been denied. Even after asking them to shut the card off. Im out the XXXX bucks
Numerous times have called to get a payment that was affordable to my budget. I was told there was nothing they can do to help me with payments at almost XXXX $ a month. That would leave me on the streets! At one point I was in an affordable plan and was told just call to renew the plan I did and was told I can not get back in the same plan! It 's a scam and they do not work with you! And mKe more money by allowing customers to go into default intentionally!!
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. XXXX  XXXX/XXXX, Account Number XXXX ( XXXX  and Transunion ).
I have previously disputed this account with all 3 bureaus and while XXXX and XXXX deleted it, TransUnion continues to report it without having legally verified it. I 'm well aware of my rights and this includes knowing that TransUnion can not call the company. Their response was that they called this collection agency and it was verified. I 'm well-versed in the FCRA regulations and know for a fact that a phone call is NOT, in any state, legal verification. Seeing my name on a screen is not possessing the physical documentation. They are not allowed to just repeat to me what was said during this phone call and must perform an independent investigation, obtain the actual documentation and forward it to me. There 's NO PROOF of ownership and if this is how they " verify '' accounts, then that means I can claim that anyone, including the person reading this complaint, owes me {$100.00}. Or {$5000.00} or {$500000.00} for that matter. 

Directly from my dispute : I would like for you send me the paperwork with my signature on it for this XXXX XXXX XXXX XXXX. Im aware that legal verification is required to keep a disputed item on my credit report, and that calling the company to find out if this account is mine does not pass for legal verification. In XXXX XXXX TRANSUNION XXXX, Congress states that the burden of proof is on the bureaus and creditors not the consumer. Having said that, you can not keep this collection on my credit without the required paperwork that follows the account. Id done my research and have not only read through lawsuits, but Ive also poured through testimony from ex-personnel from the credit bureaus. These people testified to the fact that the CRAs are required to have the paperwork verifying the accounts prior to even reporting them! So, if youre required to possess this paperwork, then it should be very easy for you to send it to me. If youd had any paperwork, you would not have called this company to verify. You are not at all allowed to parrot what the creditor has told you, because seeing my name on a screen does not pass for legal verification.
I have been repaying for over 5 years. I would like to find out why my loans are not being lessened every month. I pay {$1400.00} every month and it goes in to the whole total of the loan. These loans are direct and private apparently. The payment page says it is put towards my loans however I have looked for the past year that the money is some how disappearing. In XXXX of XXXX I paid the XXXX and the loan balance is {$2900.00} but as of XXXX the loan balance was XXXX. Please tell me where my XXXX dollars went? XXXX I paid XXXX again and finally the balance did go down to XXXX, something I did unfortunately not write that one down. However it appeared the money was finally used but what happened to it in XXXX? Now XX/XX/XXXX the loan shows XXXX when I went to pay the loan on the XXXX of this month. Today the XXXX I looked to see what my XXXX went It is now at XXXX. When I did the math to this my loan should be XXXX. There is a XXXX discrepancy on the loan.So my money is again missing. Please help I have no clue what to do. I have been paying the loan off for over 5 years it started at {$80000.00} and I am finally down to XXXX. Still WHERE is my money going? Thank you.
This company is violating my rights by using stalling attempts by refusing to accept my request to demand validation of the debt. This collection was disputed with credit bureau several times  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and each time Amerifinancial verified it. However, when I requested validation directly from Amerfinancial (  XXXX  ) they refused to respond but continue to attempt to collect debt and report debt monthly on my credit report. I sent request to address listed on credit report the first attempt the company accepted it  XXXX  verification attached ). After I noticed they failed to respond within  XXXX  days I sent another request (  XXXX  ) this time they failed to pick up the letter resulting in it being sent back to my address. Despite this company refusing to speak to me, validate the debt belongs to me and they legally have ownership of the debt they are not only attempting to collecting on a debt I have no knowledge of but are also failing to respond, sending back request although I know the address is valid because they accepted it before.
I disputed my credit report with Equifax and they told me I could n't email the dispute because of the problems they recently had but I could fax it or mail it so after receiving their fax number I faxed it ( XXXX/XXXX/XXXX ) I got confirmation that the fax went through so I called them two days later and was told they had n't gotten the fax but give it more time. I then called a week later and was told the same thing. At this point I 'm totally upset because I never got I acknowledgement of my dispute, all of my personal information went somewhere else and my credit score with them has just dropped after I sent them proof ( acknowlegement from the company ) that my collection was paid. I also sent them a dispute with XXXX XXXX with all of my bank statements, personal information, Social Security number etc ... .. 

I also received note that a address was added to my credit report. Please help!!! 

If not acknowledged that they received it after I got confirmation I 'd have to file a law suit against them.
XXXX is currently falsely reporting a debt that was improperly reported and not correct or current. Today is XX/XX/2018 - this report was as of XX/XX/2018
I had XXXX chase credit cards, I 've had them over a year and have always paid more than the minimum due and have never missed a payment. My cards were stolen or lost and fraudulent charges were on my statement. Chase was very helpful to return the funds from those transaction but they never changed the credit card number so the cards were charged again by the same vendors multiple times. Finally someone in their fraud department realized what was going on and changed my credit card number. But now Chase has canceled my cards stating that I have too many fraudulent changes from the same vendors even though it was their internal error! I called and they can not give me the number of the department that makes these decisions and their is no appeal process. I was to apply for a new credit card but that would mean carrying additional debt and a hard inquiry to my credit report. Chase has severely hurt my credit report since I now have closed accounts with balances and my debt to credit ratio has sky rocketed because of their own error.
I paid my payment on time & they sent in info to credit agency that I did not, I have proof it was paid on time but the refuse to remove it & even made it now show 60 days after I filed complaint to have it removed. They have place many 30 day late payments on my credit I should not have & they will not remove, you can see they even have charged my fees even after it shows it was paid at the time. This is more of Wells Fargo criminal activities.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX-XXXX. I am having issues with inaccurate addresses on my credit file. Iwould like to request a security freeze placed on my  Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX .

Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XX/XX/2001 XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX These numbers are not mine please delete. Telephone Numbers Reported : ( 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 ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Normally I make my rent payment monthly thru on line bill pay. 
In this way Chase takes the the rent amount {$1200.00} out of my account, secondly Chase sends the check to the payee by regular mail. I as a client only see the amount of the monies taken out of my account. The rest of the service is performed by Chase. On XX/XX/2016 the payee, called me to advise me that they had not received the rent check, but the money had been taken out of my account on XX/XX/2016. 
In checking the details of the payment, on the check remitted by Chase where the check picture is shown paid and signed I realize that the name of the payee on the check has been altered. 
Customer service from Chase recommends to file a complaint with the police department. 
Customer service from Chase tells me that the check was cashed at XXXX XXXX and that they are working on a rapid solution to the problem, but they contradict themselves in telling me that they do n't know which bank cashed the check. 
The police department recommends that I find out the bank where the check was cashed. 
As a Chase client I feel left out in the cold and waiting for a long process that is not clear and could last up to 120 days with a possible answer of not crediting me back the {$1200.00}. 
This type of service online bill pay is not safe for the client and Chase does not assume the responsibility of the lost funds until the monies are transferred by XXXX XXXX.
I had an auto accident XXXX, XXXX, and XXXX XXXX over the next 2 and a half years. After my doctors told me that I would never be able to work in my vocation again I canceled all my accounts XXXX XXXX. I filed with each of my loans and credit cards the payment insurance/assurance purchased through the respective creditor. All of these account are beyond the 7 years provided by FCRA. I was diagnosed with XXXX in XXXX XXXX. I have n't worked since XXXX and unfortunately living in Louisiana during XXXX XXXX XXXX. Than XXXX the XXXX XXXX XXXX XXXX XXXX XXXX. Each of these catastrophic event devastated our economy, add to that each of my medical issues. This credit report needs to be straighten out.
This is an issue with both Equifax and a collection agency called XXXX XXXX XXXX XXXX 

I have an open collection item with the collection agency mentioned above, originally assigned XXXX. 

To date, I have not received any notification of this collection account. I last went through the process of pulling my credit reports from the 3 credit bureaus in late XXXX XXXX, which is where I first learned of the collection ( it appeared on all three of my reports ). I submitted disputes to all three credit bureaus disputing the validity of the debt- both XXXX and XXXX  removed the collection from my records, while Equifax marked it  as valid. 

At a loss of how to resolve the issue, I sent an email on XX/XX/XXXXto the only contact email I could find listed for the collection agency ( 'XXXXXXXXXXXX ' ) proposing to proposing to pay the collection just to get it removed from my credit report. I did not imply ownership. I received no response. 

In XXXX I again disputed the validity of the debt through Equifax and again had it marked as valid. 

I am submitting this complaint as I am at a loss as to how to resolve this issue and get this collection removed from my Equifax. Due to swift removal of the collection from my credit report by 2/3 credit reporting bureaus as a result of my initial dispute, the lack of communication about the collection by the collection agency, and the lack of response to my email to the collection agency in which I offered to pay the collection amount in full simply to make it go away, I have serious doubts regarding the legitimacy of the collection agency. 

I feel stuck in a untenable situation where I can neither pay to resolve the collection nor effectively dispute it. I am also confused as to how Equifax has access to data that shows the collection as valid, while the other two credit agencies determined it was invalid.
Beginning when I was an XXXX-year-old university student, I took out XXXX XXXX, now known as Navient subsidized and unsubsidized student loans and later a " XXXX '' loan worth over XXXX between XXXX and XXXX - which was more than twice as much as I earned working my way through college - so that I could attend the University XXXX. It 's a relatively affordable school, but due to the fact that I was raised by a struggling single mother and my job at a XXXX paid only {$XXXX} per hour, I still needed money to make ends meet. I had no idea that, without a cosigner, I 'd end up with credit card-like interest rates, amongst a multitude of other problems. After taking time off from school to work and save money, I earned my XXXX XXXX in XXXX. After graduation I accepted a job working for a XXXX. Eleven short months later I lost my job when the XXXX. Entry-level jobs had dried up and I could n't even get a job at a local retail store. I was on unemployment making {$XXXX} a week for four months. So, with limited ( after rent, utilities, car payment and groceries it was really no income left over ) income and my private student loan payments, interest and fees, I was headed for default. 
Navient 's collectors called me up to 10 times per day, even on weekends and holidays. I spoke to one representative asking them about my options and the only option Navient offered me to avoid default and subsequent financial ruin was to pay a {$150.00} fee every three months to put my loans in " forbearance ''. But interest would still have continued to accrue. I filled out the paperwork and sent in my first {$50.00} check because at XXXX a week that was even a stretch. I have the carbon copy of that check but it was never cashed on their side and still says pending through my bank. My forbearance paperwork was never processed. I 've asked them to open my case and they deny any wrongdoing. Since this time, I 've been back to work for nearly a year and making all payments on time but those XXXX " missed '' payments, because they did n't process my request, have wrecked my credit and have the potential to haunt me for the next seven years, preventing me from buying a new home, leasing a car or getting a job - at least, with one of the 60 % of employers who check your credit before they hire you. I will continue to make my monthly payments to them but I want those XXXX missed payments removed from my credit so I can have a financial future again.
I have contacted this company on 3 separate occasions attempting to get a validation on an inaccurate account they continually furnish. My letters have been unanswered. I filed a complaint with the BBB  requesting this company provide me with a contract or documentation bearing my signature specifying the terms and conditions of this account. Despite my very specific and yet legal request this company has refused to provide any information. In response to my previous request a representative from XXXX XXXX stated their only obligation is to identify the original creditor, the date opened, and the current balance. Clearly they are idiots to put it nicely! If you think that as consumer any company or collection agency can just say you owe without and proof is merely ridiculous. By the FCRA 609 a documentation must be provided. You as a  company can NOT just say you owe and that it it, do you know how much fraudulent activity would occur if this was the case. I am seeking assistance in someone educating and inform this company of the law. I was told hat the loan had been recalled from collections ( not sure what that mean ) I think that was an attempt to misled me. I was also told that debt validation was " on its way ' however I still have n't received anything