WillisBack/dataset-financial-user-claim huggingface dataset:
PNC closed my account because it was negative ( by {$10.00} ) even though my email statements said the balance was {$0.00}. Because my account was negative for more than 30 days, my account was closed. I have about {$10000.00} in checks that are due to hit my account at any moment, but since my account is closed, I can no longer receive them. 

Upon calling PNC, they said they were recording my call to collect a debt. I told them of the issue, they said that if I went into PNC and paid the {$10.00}, they could reopen my account. I went into PNC and paid the {$10.00}, but they said they can not reopen my account because now I'm on the XXXX XXXX XXXX XXXX list for being a credit risk because of the closed account with the {$10.00} balance. I called XXXX XXXX XXXX to get them to expedite the process, they were unable. I called PNC to open my account, they were unable. 

These banks should be ashamed of themselves. I will not be able to afford rent, food, or books that I need for XXXX XXXX because PNC cares more about {$10.00}, which I paid, than its customers.
Last Friday, when I was driving, I got a phone call from XXXX, the speaker told me that they will mail me a letter next 10 days. 

Yesterday, I got this call again, they said that they will mail me the letter next 7 days. The caller said that I have opened the card in XX/XX/XXXX, but the fact is that I opened the card in XX/XX/XXXX. I had to ask to get an interpreter for me, and I was told that I need wait for one hour, so I told them that I am going to go on an international trip next week. I hoped that they could email the letter so that I could get the information quickly otherwise I will not read the letter next month. They agreed that, and we have checked my email box address. 

Today, I got the call again, and I was told that they will mail me the letter next 7 days. 
This is Chase bank customer service : they did not show any sincere to me. 
Knowing in advance that my English is not good, but the person spoke deliberately fast to confuses me. In fact, I even did not recognize the person is male or female because of the speaker 's speaking so quickly. I hope they can take their customers seriously.
I Applied for A Mortgage loan with 5/3 Bank in 2012 for A repossessed house and the house needed some repairs too. So the loan XXXX at the Bank XXXX that I use the Banks own XXXX to repair the House before the loan will be Approved I agreed. The job was n't done right or on time so I Contacted the bank again to tell them the XXXX of the job that their XXXX did. So the Bank sent an XXXX 5 times to my House because their XXXX told them that the House was Completed. 
Coming to find out from the XXXX that the XXXX was XXXX and the XXXX was XXXX. So because I refused to sign the XXXX from the Bank to the XXXX he filed a lawsuit against me and the Bank. So the bank Charged me {$940.00} Stating that they had to file a response to the Lawsuit even though it 's the Banks XXXX that did n't complete the job like he was supposed to. We went to court and the Bank Settled with me so that they 'll be out of the case and then they turn around and add the {$950.00} to my Mortgage payment. So I 'm paying extra towards my principal and the bank is taking the extra as a payment for {$940.00} which I do not owe them for ... ..
I was denied SCRA by Lendmark Financial. I would like a rebuttal to the outcome of complaint # XXXX. I would also like Lendmark to revisit their policy under OHIO SCRA Chapter 7.1.
As a qualified entrant in the XXXX Western Union {$1.00} Million Giveaway, I am complaining about : 1. The issue of non-payment of the grand prize to the reported winner, XXXX XXXX by Western Union based on attached documentation.
2. The issue of non-receipt of grand prize by reported winner, XXXX XXXX, from Western Union.
3.The issue of non-selection of alternate winner to receive grand prize by Western Union .
I am therefore requesting Western Union to resolve my complaint by providing documentation regarding the award of the prize of the XXXX Western Union in a similar manner like the announcement Western Union made on XX/XX/XXXX regarding a similar sweepstakes namely " Win a Mother 's Day 's Dream '' sweepstakes which I have attached as part of my complaint. I am also requesting Western Union to select me as an alternate winner since I was a qualified entrant in the event further action is warranted.
The name of the reported winner of the XXXX Western Union Sweepstakes, XXXX XXXX appears to be fictitious as shown by the attached documentation sent to me by Western Union. The city and state of XXXX XXXX was not reported. In fact, no indication XXXX XXXX was awarded the grand prize.
On XX/XX/XXXX, I was discharged in the United States Bankruptcy Court, XXXX District of Florida, Chapter XXXX. The debt on the condo I had financed through XXXX XXXX XXXX was also discharged. 

The condo was occupied by a squatter who lived there from XX/XX/XXXX to XX/XX/XXXX when the condo association filed suit against me for unpaid HOA fees as the bank did not foreclosure due to the many foreclosures in Florida at the time. In the meantime, XXXX XXXX XXXX had released their lien and the property was sold to the condo association via certificate of title for the amount due on HOA fees. 

XXXX XXXX XXXX, who apparently bought the loan from XXXX XXXX XXXX began sending mortgage statements and this showed up on my credit report as unpaid, so I wrote them a letter on XX/XX/XXXX and they removed this from my credit report. 

I then began receiving mortgage statements from XXXX XXXX and called them but they said they would need proof of my bankruptcy, which I faxed to them, but the mortgage statements continued to be mailed. 

Then, XXXX XXXX, a division of XXXX XXXX XXXX XXXX filed a Complaint against me and the condo association in XX/XX/XXXX, along with a Notice of Lis Pendens seeking to foreclose the mortgage. I filed an answer to the complaint stating that this property was discharged in bankruptcy. The case is ongoing in the XXXX Judicial Circuit Court of XXXX County, Florida, and I do not know what to do from here. I am still receiving mortgage statements for the balance due on a monthly basis. 

Just recently when I pulled into my driveway after work, a server stopped me in front of my home and asked if I would consider a deed in lieu of foreclosure on the property to XXXX XXXX and I told her that I do not own that property, that it was released in bankruptcy in XX/XX/XXXX, and the condo association is now the owner of the property. She asked if she could take a picture of me to prove she had spoken with me and I refused. She did take a picture of the home I currently own after I walked in the door.
HSBC processed an unauthorized {$2100.00} debit from my checking account on XXXX/XXXX/16 and still has not returned the funds or given me a status of the investigation. 

In XXXX I went to a branch in XXXX NY to set up a recurring monthly rent payment to my landlord 's XXXX checking account. Last month I went to the same branch to cancel all future payments ( including XXXX/XXXX/16 ), because I was moving. A branch employee had me fill out some paperwork, gave me a fax receipt, and confirmed that all future payments would be cancelled ( including XXXX/XXXX/16. ) On XXXX/XXXX/16, the payment processed as usual, causing my checking account to go negative. I called customer support and was told that the branch employee had given me the wrong paperwork, but that the agent I was speaking to would submit the correct XXXX and that I would get the money back. Two days later I called again to check in and was told I needed to go to a branch to handle the issue. ( I was also told by this agent that the branch would be able to credit my account for the {$2100.00} while everything was pending. ) When I visited a branch in my new city XXXX XXXX XXXX XXXX, they said they could n't help me and that I needed to call support. A support agent spoke to the teller, had her submit a new stop-payment form, and told me that an investigation would begin in two days and that I would receive a credit on that day. 

Two days later I called support for a status update and was told that there would be no credit and that in her opinion the transaction was authorized by me. I then spoke to a supervisor who told me that I would not be issued a credit until the close of the investigation ( XXXX10 days ), and that they were currently deeming the XXXX/XXXX/16 transaction to be " authorized. '' I told her that I wanted to file a formal complaint and she said she would get me a " reference number, '' which would be added to my account notes and I could call back later to obtain it. When I called back, the agent I spoke to said he could not view the supervisor 's notes because they were " encrypted, '' and instead grilled me for around 30 minutes repeatedly trying to get me to confirm that the XXXX/XXXX/16 transaction was " authorized. '' It has now been over two weeks since that conversation, and I have received no updates. I called customer support today and they were unable to tell me the status of the investigation ( or if there even was one pending ) and said a supervisor would call me back on Monday. 

I have told every support agent and supervisor that ( a ) I went to the NY branch in person to cancel all future transfers and ( b ) that I was given a receipt by the branch confirming that the necessary paperwork was submitted, but so far HSBC has been ignoring that and/or telling me that the transaction was " authorized. '' ( Meanwhile I have been unable to get a hold of my former landlord, so the {$2100.00} has not been returned. A couple support agents have indicated that it 's my " responsibility '' to retrieve the funds from the landlord myself, even though it was HSBC who debited my account without authorization. )
Someone stole my credit card info, changed addresses multiple times, made expenses purchases and failed to pay. Credit company never attempted to contact me and charged off bad debt to my credit.
Dear CFPB, To whom it may concern : I'v had a home Equity loan with Washington Mutual bank for a long time until XX/XX/XXXX, Wamu 's closed out and transferred to Chase bank.I have had applied Loan Modification with Chase in the past several years unsuccessfully with their reason that our income are not enough because of my XXXX income was not sufficient due to business failures.But now I have worked on salary for 6 months and looking good long term in the future. 
Recently, on XX/XX/XXXX Chase has sent me a Notice of Default second time threaten to foreclose on my home ( they did it on XX/XX/XXXX the first time and they dropped ). About three weeks ago, I've applied for loan mortgage assistance to Chase but they have not answered back to me yet, I worried that they may tricked and wait to the sale date so that I have no time to do anything to save the home.I am XXXX year old and my wife is XXXX, we have living in this home since XX/XX/XXXX and we don't want to move anywhere for now, we would like Chase grant us a loan modification with favorable term and affordable payment just like the first mortgage has offered loan mod.to us 3 years ago. 
With combine income of me and my wife and if Chase offer us loam mod., we will be able to pay the back and keep our home. 
Thank you so much for your help and XXXX bless. 

Sincerely, XXXX and XXXX XXXX
CFBP, I have never received any debt notice from this collection agency. I have paid XXXX directly in full and never authorized XXXX to share my information to any third party. The only reason I became aware of this collection being reported to the credit bureaus is because I had started monitoring my credit report. I have never received any notification of debt from Stellar Recovery. This is causing a financial hardship and needs to be deleted from all of my credit reports promptly. I will not consider this complaint closed until it is removed and I receive notification of this action.
I have received multiple calls and voicemails from XXXX XXXX concerning my payments. While I am behind, I am still making consistent payments of at least the minimum required monthly amount and typically more than the minimum to catch up on the loan. I have repeatedly asked the company to not contact me during my working hours which are typically XXXX to nearly XXXX XXXX. I continue to be harassed by calls during these times and have been questioned by my boss as to why I am answering my personal cell phone during work hours. Many of these calls are occurring during meetings and cause a disturbance if I happen to not have my phone on silent. XXXX XXXX records all calls and should have it documented that I have requested this and I have voicemails and documentation of the calls that I have received during business hours. 

They have also not offered any viable solution to help bring my account current or reduce interest rate/minimum monthly payments to help me afford the payments. A very predatory company overall
Due to process of foreclosure over my property, Servicer bank to close foreclosure using Us Government HAMP program and changed my principal balance on XXXX XXXX 2014 from {$310000.00} ( Property principal ) to {$450000.00} ( Property value + monthly aggregated defaulted payments ). Yes, Ocwen is charging {$130000.00} as late fees and adding it to principal. Consider also that I 'm paying 43.65 % to recover my house after foreclosure and with the sponsorship of the US government. 
This behavior is against federal usury estatutes as well as to FL estatutes.
I 've disputed this debt with Americolle ct Inc., They 1. Have ne ver " Responded '' to my dispute as per the FCRA AND FDCPA guideline s. 2. I 've i nformed them the debt is NOT MINE, I would like them to send me a copy of all medical bills WITH MY SIGNATURE, and if they are able to obtain these, I would like the following along with it : The person they ( Americollect ) spoke with at the original creditor, I need their name, address, phone number and extension to pursue further action. I 've tried contacting this agency to no avail. I would like the account removed from my credit report and they can find out who it belongs too.
I was told by my son 's school that we did n't qualify for a federal loan, so we got a private loan. He 's our only son ; never gave us an ounce of trouble, wanted to go to college and my husband and I did whatever it took to get him a college education. By XXXX grace, our son graduated XXXX 2015. My husband and I co-signed on the loans and the total amount that we are asked to pay back each month for XXXX loans is over {$1800.00} a month. That 's more than I make a month. There 's no way we can pay that much each month even if we sold our XXXX bedroom home and lived in a box. I 'm currently in deferment with Sallie Mae but the days are coming fast and they 'll be calling demanding the {$1800.00}. From what we 've heard, we 'll be paying Sallie Mae the rest of our lives, so all I want them to do is significantly decrease the monthly payment, making it affordable for us. We have every intention of paying the {$180000.00} ( yes you read correctly ) {$180000.00} for a show production degree that only pays $ XXXX/hr for my son. We just need help in getting the {$1800.00} reduced. Thank you!
I have not authorized  Ally Financial to make any inquiry into my credit report. At the times of the inquiries, I had a fraud alert on my report that ask for any company seeking access to my credit file to contact me personally. I called Ally Financial o n  XXXX  after reviewing my credit report from   XXXX   and was informed that they will not remove the inquiries. When explaining the issue to them, they refused. They are in violation.   XXXX   has informed that they will remove the inquiries if the company approves.     I would like for them to remove all inquiries that they have done into my Credit file and follow the law correctly.      XXXX / XXXX /  XXXX    XXXX / XXXX /  XXXX    XXXX / XXXX /  XXXX    XXXX / XXXX /  XXXX
Wells Fargo, Home preservation ; To XXXX XXXX, and XXXX XXXX and XXXX XXXX ( XXXX ) XXXX ( XXXX ) Fax : XXXX XXXX XXXX at XXXX extension XXXX To home it may concern at Wells Fargo , this is from XXXX XXXX Address is XXXX XXXX XXXX XXXX PA XXXX XXXX Partial account number is XXXX As I stated in my phone confirmation, I have done all that was asked of me and still being ignored in reference to my concern and request. The stress level concerning this matter continue to rise and affect my health. Know you tell me after I have proved your finding and your praises findings to be incorrect, You now want me to jump through more hoops to be able to get this matter corrected. When all it would take is to have your appraiser to go back and redo the appraisal the correct way, knowing full well that once he does this that the value of this property will not be as it was when done with the incorrect square footage. I am trying to work alongside of you to get this matter taken care of so that we all can move forward in this situation, But I guess you are choosing to drag it out so that you could move further along in the foreclosure process before you make another decision and have the necessary documents to be able to just force me out. 
This situation has caused me great level of stress which has also affected my health and my capability to be able to live a normal life.
XX/XX/XXXX I was alerted that a collection account was added to my credit report from Midland XXXX XXXX for a ( charge off ) credit card debt -- original creditor being XXXX XXXX. My credit score took a major hit as a result. 

The alleged amount owed is {$570.00}, of which I have no knowledge of. 

Midland somehow has gotten my wife 's cell phone number and they make numerous calls a day harassing her for this debt that I allegedly owe. 

We have both blocked at least 5-6 numbers from Midland to prevent the calls from going further, however they still ensue. 

I sent a dispute letter around XX/XX/XXXX asking Midland to verify this debt. I never received any validation or proof of ownership of this debt and the collection account still remains on my report as a " derogatory '' mark.
Four complaints:1. While requesting XXXX my annual reports, the internet went to a " XXXX '' for the reporting agency XXXX XXXX XXXX, then a error message appeared saying that the secure site could not be reached. This also happened a few months ago during a request XXXX. Because the online service was not producing my report, I decided to contact XXXX, using their posted " contact us '' form. 

2. I tried to contact XXXX by using both their " contact us '' form and by phone. Even though I completed the " contact us '' form, it repeatedly posted a message that there was a problem in the " tell us more about what happened '' comment field, and that I 'd have to correct the error ; however, there were no instructions as to what the error was or how to correct it. 

3. After getting no results through the " contact us '' form, I tried contacting XXXX by the posted phone number : XXXX ( which is the same number that Consumer Financial Protection Bureau gave me to contact XXXX XXXX. That phone number ( XXXX ) provides only a repeating message and no live person to help troubleshoot the online problems with their website. 

4. I 'm quite concerned that the XXXX website is phishing! It certainly is acting like it is! and I do not need my identity jeopardized!
I attended XXXX college in XXXX California XX/XX/XXXX-XX/XX/XXXX upon enrolling I was told that i would n't have to pay anything until after i graduated ; however, some time later i got called into the financial aid office telling me that my loan was n't gon na cover all of my tuition. They made me take out a " Genesis '' loan and told me i would have to make payments while i was at school or they would n't allow me to continue. Some time later after the closure and lawsuit of corinthians I get a letter in the mail saying my " Genesis '' loan was being moved to another company called XXXX. I was told that i would have to pay this no matter what.
I have disputed XXXX on my credit report with XXXX XXXX and Transunion multiple times with no proper response or investigation or re investigation. I am asking once again to have XXXX removed from all XXXX CRA, unless they can show just cause. The loan from the start was a bad loan at the beginning of the meltdown. The loan started with XXXX XXXX the day they collapsed. Then was handed off to. XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX these XXXX were shut down by the federal Government, XXXX XXXX XXXX, and Last XXXX. who Serviced the loan who actually held legal title will more than likely never be known. Unless there is a legal documented paper train for this loan I respectfully demand that it be removed. I am seeking legal advice as to more than likely illegal foreclosure and credit reporting. Please provide legal documentation or remove from my credit report.
I have an account from Great Lakes Higher Education on my XXXX credit report that shows in collections. When I call Great Lakes they tell me there is n record of any amount due and refer me to XXXX. When I call them they also do n't show that I owe any money. When I dispute this with XXXX they say information is correct. Complained with Ombudsman they say it is n't a private loan and told me to file a complaint with Consumer Finance. If I owe I am ready to pay. If account as been satisfied then would like the Great Lakes account updated to reflect paid in full.
Unauthorized credit inquires on XXXX credit report. 3 Rd notice and refused to remove it from XXXX report. 

CHASE BANK XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, 2017 XXXX XXXX XXXX   XXXX. 
See an error? 
dispute a hard inquiry Institution Information No contact information has been reported by this creditor.
As I have stated I have documentation of every letter sent to this company and no response from this company as well. The address on file for the account is not address I 've had the same address for   XXXX    years. If the company had responseded to any certified mail with return signature I sent that would have had my real address to contact me and respond accordingly. I have all the documentation from  XXXX  the certified mail I sent was received and signed for my the company no mail from this company was sent to me. Also as I stated a police report and report with the FTC waa filed  XXXX   XXXX    XXXX  . By law this company has to mark my account disputed upon 30 days of the request I sent by mail which was not done and any validation information binding me to this account was not sent within the allowed legal 15 days. Any disputes marked on my credit reports today will be removed and will mot stand in court as my letters sent to the company are date and time stamped as is the signature from the company when they received the letters I sent. The account needs to be removed from all credit reporting agencies. I will proceed forward with all the documentation and evidence I have for a lawsuit until the accounts are removed from any and all credit reporting agencies. A fraud alert was already placed on my accounts and social as well.
Capitol One offered a {$500.00} incentive if I deposited {$50000.00} for 90 days. I deposited {$50000.00} on XXXX XXXX, 2015. It has been 90 days and I am told that it will take another 25 days before they will deposit the {$500.00} into my account. I believe that this is false advertising.