WillisBack/dataset-financial-user-claim huggingface dataset:
I opened personal & business accounts with PNC Bank for over 6 years without any problems or issues. I have recently revived a letter from the bank which informed me that my XXXX personal & business account will be closed on XXXX XXXX. 2015 without any explanation to given any reason. Therefore I contacted the bank 's Underwriting department over the phone, and asked them for the reason, but they failed to give me any information about the reason for accounts closure. I decided to stop by my local branch and I asked them to give me the reason, they too did not give me the reason and they claimed that they could not disclose such information. As a legitimate customer / consumer I do feel that I have a full right to know what did I do wrong to be dropped out from PNC Banking services, therefore I 'm requesting your authority to help me find the reason so I could understand it and to keep for my own references. 
Thank you for your assistance.
The other issue is that they did not provide enough information to verify the debt. ( Signed Lease Agreement ). It has been more than 30 days since I requested the information. ( XXXX/XXXX/16 ) Debt collection agency ( Pheonix Group ) is attempting to collect on alleged debt.
I Received a notice form a lawyer XXXX XXXX XXXXXXXX law office on XX/XX/2018XXXX which was from XXXX XXXX I written back saying to whom this is what debt this is and answer my questions according to the Fair Debt Protection act, I never received any correspondence from XXXX XXXX On XX/XX/XXXX my funds were taken from my Bank at XXXX XXXX XXXX XXXX XXXX Thinking this was a fraud, my bank told me my money was taken from XXXX XXXX which I believe this is a fraud, I have no knowledge of any judgements or anything on my credit report regarding XXXX or had any accounts from XXXX I recently checked my credit report there is no record or anything on this XXXX XXXX is at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX XXXX Therefore I am filing this complaint to get my money returned to me. I can be reached at XXXX thank you XXXX XXXX
Wells Fargo is requiring me to use XXXX XXXX to do a valuation on my house to remove PMI. I can not find this requirement in my mortgage documents. It is a requirement listed in a letter they sent to me on XXXX XXXX, XXXX. My mortgage originated in XXXX/XXXX/XXXX. Are they legally allowed to do force me to use a specific appraiser after the fact? Additionally, XXXX XXXX charges {$550.00} for a single family property. The highest rated appaiser on angieslist.com quoted me {$270.00} for my specific single family home.
I am an attorney. My client was involved in an accident but not responsible. The person who was injured was paid a small amount by an insurance company. The insurance company is trying collect that small amount from my client by falsely representing that it has contacted the " Department of Transportation '' of his state which is examining his compliance with the " Financial Responsibility Act '' and that he could lose his driver 's license unless he pays up.
As a Member of the Class of the XXXX XXXX XXXX XXXX XXXX Breach and ensuing Identity Theft, my wife I and have had to defer all inquiries from debt collectors to this precedent ; none of the debts being collected against us are ours ( save for our first Mortgage, Federal Student Loans and XXXX XXXX XXXX ). Furthermore, I have an LAPD ID Theft Case ( # XXXX ) which needs to be taken into consideration. Together, these cases represent the significant reason why these debts originated and, to wit, why my wife and I should be absolved of them.
I was really shocked when going over my credit report when I found a late payment on XXXX of 2018. 
I don't know how this happened. I always make my payments to you when I get the statements. It must be that the statement never got to me.
Interstate Recovery Services is pressuring me to pay a debt they claim I owe ( {$890.00} ). Deceptive marketing, fraud and harassment tactics are used in attempt to collect payment for so called magazine subscription contract from All American Readers ( ARR ) that they say I owe. I was contacted by XXXX saying that they would send me a free {$250.00} gift card with the purchase of XXXX magazines. I rec 'd the magazines but not the gift card, then began being charged $ XXXX on my debit card. I tried cancelling but could not. My bank reimbursed me and cancelled my card. Now I receive constant calls and letters threatening legal action if I do n't pay. And have been turned over to Interstate Recovery Services for collection of so called debt.
The representatives of XXXX XXXX XXXX have been calling me repeatedly about debt that belongs to my brother and my father. 

I am not associated with the debt nor do I have any student loan debt but this is the second attempt to talk to compliance at XXXX and now FAMS where they continue to call me. 

It's causing me an unreasonable amount of anxiety because I am getting repeated calls on my personal cell phone number while I am at work. 

The real issue is that they are breaking state and federal laws re practices they are allowed to use to collect debt. I also know they have tried to call other family trying to recover the debt that none of these family members are responsible for. 

I actually have XXXX dollars in student debt which makes this situation even worse. 

XXXX XXXX XXXX is at XXXX, and I spoke to XXXX XXXX at XXXX. 

I'm interested in how to stop this agregious practice period for me and all my family unassociated with this debt.
This is my second complaint. First one was initiated in XX/XX/XXXX, which Lending Tree responded XX/XX/XXXX : Complaint XXXX XXXX XXXX ) Lending Tree 's XXXX XXXX response was false. <P/>2 ) As of XX/XX/XXXX, the balance of {$8900.00} still appears 3 ) They fail to mention, they used the wrong account number in the XXXX XXXX account. <P/>4 ) They also failed to mention the all the other payments that made the account up to date. XX/XX/XXXX payment made XX/XX/XXXX for {$1200.00} 5 ) XXXX payment made XX/XX/XXXX for {$1200.00} 6 ) XX/XX/XXXX Payment made XX/XX/XXXX {$1200.00} ( after they had the wrong bank number ) 7 ) On XX/XX/XXXX a payment of {$8900.00} was made to pay off the account due to their not allowing us to send a check saying they could not guarantee it would arrive or be posted on time, regardless of how early it arrived. <P/>As a result of these payments, over {$12000.00} in payments within 90 days. They still have the balance and are calling this account 30 days late. This needs to be removed immediately or I will file a civil suit. <P/>PS - Your system was very difficult to use and only now was I able to see the response for the first time and respond. thank you for fixing the password issues.
I have been making an extra principal payment to my mortgage company - Residential Credit Solutions - on the XXXX of every month, clearly marked " apply to principal only. '' I just realized that it is n't getting applied to my principal until they receive my next regular monthly payment at the end of each month. They note the additional payment as " miscellaneous '' on my account detail but DO NOT reduce my mortgage balance until they apply it with my regular monthly payment. This means that for basically two weeks the money I have sent to reduce my principal is just sitting there. 
Can they do this? I have called them XXXX to inquire and the customer service representative, both times, has said it is being reviewed.
My VA mortgage w/XXXX  was sold in XX/XX/2018 to Flagstar, Escrow monies were used by XXXX to pay Insurance while Flagstar paid Taxes. The Taxes decreased in 2018 because of my application for and recieving Homestead Exemption, thereby leaving an overage in escrow. Upon my Inquiry to Flagstar about the approximatly {$400.00} escrow overage and adjust Monthly Payment, I was told that, Flagstar must keep two months cushion in Escrow for a VA mortgage because of RESPA.

I don't know the Rule or reference to RESPA, so I'm making this inquiry. 

With XXXX there was always a small shortage which was rectified the following year with a slight increase in monthly payment. 

Thanks, XXXX XXXX
We took out a Direct Plus Parent Loan for my daughter, the application only allows for one parents name on the application but does require input of the income for both parents ( my wife and I are married and file our taxes married filing jointly ). I am a XXXX and we recently found out about the Public Service Loan Forgiveness program. I called the loan servicer Fedloan to inquire about the program and was told since the loan is in my wife 's name she has to be the employee of a public service agency. I explained that the application only allows for one parents name but takes into account both of our incomes so it should be considered a joint account otherwise my income should not be considered when determining financial aid, the loan approval or the monthly payments. I believe they are interpreting the rules of the PSLF incorrectly and we should qualify or they should not be able to include my income when determining repayment plans for the loan or financial aid. If they are going to use both of our incomes then is should be a joint account. It appears they try to find any reason to disqualify you for programs that are meant to assist the borrower. They should not have oversight of these programs because it 's not in their best interest and they do not look after the best interest of the consumer.
{$800.00} was stolen from my fiance 's checking account on XX/XX/XXXX. He was previously removed his administrative assistant as an authorized user. At that time he went to the bank to get her removed, the bank failed to mentioned that even though " removed '' she still had access to the account. Again, when I was added to the account last week Tuesday, the bank had me and my fiance sign authorized users document that did not have her as an authorized user to his account.
The doctor did NOTHING to relieve my XXXX that was diagnosed a few days later by my PCP! I do not want to pay for a service i did not receive!!!!
I financed a vehicle at XXXX XXXX in XXXXXXXX XXXX, Mo. Three days later I was contacted by XXXX XXXX that the financing did n't go through, so upon returning the vehical,, I was told by XXXX XXXX that my trade in was sold, and they would work to get me financed, after continued visits ( 20 days ) to XXXX XXXX, the temporary tags expired, I surrendered the vehical and was told that I was just out of a vehical, I contacted the company ( santander ), to see if I could get my trade in vehical back, was the transaction was final, that they receive the payment off, they sent me a paid in full letter, and reported the vehical to credit agencies as paid in full, I didnt receive any correspondence from either companies, until six months later, by phone stating that they ( santander ) were going to reinstate me to the vehical, and that I was six months behind, in payments, the original transaction was on XXXX XXXX, XXXX, the trade in vehicle was sold on XXXX the XXXX, XXXX, in XXXX of this year I was giving {$1500.00}, back in check form from down payment, and another {$1500.00}, in XXXX, which i have n't cashed, at this time, I purchased another vehical on XXXX XXXX. I told the companies that I have financed another vehicle and can not afford two car notes. I photographed the ( my ) traded in vehicle on XXXX the XXXX, on XXXX XXXX car lot, ( for sale ), and I have a copy of the advertising sale, of the traded in vehical. Doing the twelve months I owned the traded in vehicle I was never late with payments, now after this situation my credit score has dropped over 100, points, and I have been denied credit.
I have previously submitted disputes on my credit report as a result of identity theft and Equifax has not deleted the disputed items, when I dispute they have remained on my report without explanation or method of verification per FCRA Section 611. The items I am disputing as a result of identity theft are : - XXXX , XXXX - Identity Theft - XXXX, XXXX XXXX XXXX - Identity Theft - XXXX, XXXX - Previously deleted and reinserted without notification. Also not my account. 
- XXXX XXXX - Identity Theft
PORTFOLIO RECOVERY ACCOUNT NUMBERs : XXXX and XXXX and XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you PORTFOLIO RECOVERY or any company associate with this account # XXXX and XXXX and XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PORTFOLIO RECOVERY or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
I found that I had a collection account on my credit report in XXXX of XX/XX/2014 The name of the original creditor is XXXX XXXX XXXX APARTMENTS. I called XXXX XXXX XXXX APARTMENTS when I discovered this collection account and was told that I did n't give them a 30 day notice. The company is now under a new management and the lady I spoke with ( XXXX ) said they do not have the documentation. I explained to her that I have a copy of my 30 day notice but she said I need to deal with the collection company ( PRO COLLECT ). I sent a letter to PRO Collect explain that I do not owe the debt and sent evidence showing that a 30 day notice was given and the debt is invalid but they responded with a letter stating that their client contends that the debt is valid with no explanation on how the debt is valid. I sent them another letter to validate the debt but they can not validate the debt. The credit bureaus are not helping. They just report what collection agency tells them without any validation. I need help dealing with this corrupt collection agency. They clearly know that I do not owe this debt but are trying to collect anyway. The lease ended on XXXX XXXX. XX/XX/2014 and I gave them a 30 day notice on the XXXX of XXXX XX/XX/2014. A staff member signed and made a copy for me. 
The XXXX is for {$1100.00}. 
{$600.00} for XXXX 's rent ( which makes no sense, since notice was given ). 
{$470.00} for Re-letting Fee ( 30 day notice was given. Makes no sense ). 
The rest {$72.00} is for utilities. I am not sure if I paid this but I do not mind paying the {$72.00} but the rest of the charge is bogus.
I have disputed the late payment XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I refinanced my home in XXXX XXXX, with my first mortgage payment due XXXX XXXX, XXXX. In XXXX I received notice that my mortgage was transferred to XXXX XXXX XXXX XXXX and would be serviced by Specialized Loan Servicing , LLC. I tried to make an account, but could n't, and as it was nearing the time I would need to make my first payment, I called to find out what was going on. The lady told me that since the effective transfer date was XXXX XXXX, the info was n't in their system yet and that they would mail me all of the info when it was in their system. I asked how what to do about my first payment, and she said that I could pay it once they had things set up, that there were no penalties of any sort for being late after being transferred, so not to worry. I waited and waited for the info packet to arrive, and finally on XXXX XXXX I gave up and called again. It turned out they had just put it in their system ( and I finally received the info in the mail a couple of days later ) so the lady was able to help me get my account set up. I immediately went ahead and paid my XXXX and XXXX payments. I noticed there was a " one-time payment fee '' of {$10.00} automatically added and thought that was steep, but it would n't let me set up auto-draft yet as I was " behind '' so I just paid it. The next time I went to make a payment, I was deciding between a one-time payment and auto-draft and noticed that there was no fee this time. When I looked at everything closer, that is when I discovered that the " one-time payment fee '' of {$10.00} was only for when you were paying XXXX15 days late. So even though I called well before my payment was due and was assured there would be no penalty ( as there was really no way for me to pay yet ), and I paid BEFORE they even sent me the info to allow me to set up my account ( as I had gotten impatient and called again ) THEY STILL CHARGED ME A LATE FEE. I emailed them about the matter and received no response. I forgot about the situation until recently receiving a notice that my loan is again being transferred. I once again emailed them about the situation, and once again received no response.
This complaint has to do with my my previous case # XXXX. For some reason my case was no available for viewing and I did not have the ability to respond to there claim in it 's enity. There last response letter, referred to a letter they claimed I wrote. On XXXX XXXX, I still had not been given any bank records ( I only had the XXXX statement dated XXXX. They claimed I listed all XXXX accounts belonging to in brother. The only information I had were the last XXXX numbers of his checking and Money market accounts. 
They also claimed the letter stated I was claiming reimbursements for XXXX checks. The reason I am certain I did not write such a letter was because a banker, employed by Bank America at a NC branch, called the Check Fraud Claims Dept for me because no one responded to my request and my emails and phone calls wee ignored. We did not ask for payment on utility checks that forged because they had become my responsibility. XXXX of the XXXX checks I was reinbursed for they went back into his closed account. Long story short my account got so screwed up, I would have to hire an accountant to determine if the balance was accurate. 
I also am challenging the letter they enclosed was ever written or mailed to me. When someone suggest they withheld monies because they believed I was forgoing the checks. 
That is one letter you would not forget receiving. Do n't have time to point out other errors made by it 's author. 
Since they failed to send a copy of my handwriting so you could see my handwriting does n't come close to the checks they claimed I forged. 
Please notice their final response as to why they could not provide me copies of the banking records was because listed in their customer agreement booklet it states that they must retain a clients records for at least 5 years. I did not see where it states copies were not privy to Executor 's and that their banking regulations supersedes the Laws that are on record that they are required to uphold. Maybe because they want to believe they are above the law, someone simply needs to explain that in reality if they were right, all the law suits costing them XXXX, would diminish in numbers, and they could make a profit just by abiding by the law. 
, ( DMV. originally was a {$45.00} payment buu in XXXX so many late FES, returned check fee, they were now asking by the live in animal care taker, and errand runner
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against PRO COLLECT. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police  report 3. informed the state of Texas
This is the second complaint I am filling for this company. The original complaint number is XXXX. Originally I was working with Option Funding on refinancing my home loan. We told them that we wanted a loan with the terms that we pay twice a month rather than once a month. This would reduce our principle faster so our 30 year loan would be paid off early. They agreed to find us a loan with these terms. Once we signed on the loan we found out that the loan was not set up this way and the lender would not make this change since this requirement was not stated in the terms of the loan. I informed XXXX XXXX at Option Funding and they said they would call the mortgage company to fix this. They said I could just make an extra payment at the end of the year but this is not what we agreed to when we signed up for the loan. During this time the original mortgage company sold the loan to another company who stated they would not make any changes to the loan since the terms were already set. Option Funding said they would try with the new company but never got back to me and is no longer taking my calls. 

The from the company through CFPB response was not true as they never contacted me about any offer of refinancing on this loan and never mentioned a bi-weekly payment center. Also this was a by monthly request at the beginning of the loan process and they agreed to find one like that. I reached out to the loan office repeatedly as did my relator with no response.