WillisBack/dataset-financial-user-claim huggingface dataset:
I have been approved for a trial modification from Bayview Loans Servicing and I made my first payment on XXXX/XXXX/2015. They took the payment via the phone using my checking account information. I understood that any foreclosure action would be halted once I was on a modification track..however, I just found a notice from a sheriff 's deputy on my gate indicating that Bayview Loans was trying to serve me with papers pursuing a foreclosure suit. This process service attempt is dated XXXX/XXXX/2015, eleven days after my first trial modification payment to Bayview Loans Servicing.
On XX/XX/2019 I received an email from PNC Bank XXXX my mortgage servicer ) stating that my automatic payment of my mortgage was processed, however I noted the amount was double that of my mortgage payment. I verified with my checking account that two payments were removed on XX/XX/2019. One of which was the authorized mortgage amount of {$2000.00}. A second, unauthorized payment was also processed from my bank account in the amount of {$2000.00}. 
I then attempted to login to my online banking account and was found that I was locked out of my online banking portal with PNC bank. Therefore I could not verify my loan payments having been made and received. 
I then called PNC bank and spoke with a customer service rep ( XXXX ), he alerted me that PNC was aware of the situation and I had two courses of action, 1. receive a mailed check in the amount of my duplicate payment, this check would take 10-14 days via mail. 2. I could go through the verified process to receive a wire transfer in the amount of the duplicate payment. I told him that I could not wait 10 days to receive my funds back and that this was an unauthorized payment made to PNC that they needed to fix this problem. He alerted me that my only other course of action would be to call my personal bank and stop payment on the second unauthorized amount. 
I then called my personal bank, they told me the funds could not be stopped on their end but they were still pending and there was no reason PNC bank could not cancel the transaction in order for my funds to not be taken out of my account. 
- I called PNC bank back, I spoke with XXXX who gave me the same 2 courses of action as I was originally told. When I asked him to simply cancel the second unauthorized payment he told me that PNC bank does not cancel payments ... .. I escalated to his supervisor ( XXXX ) she verified that PNC bank would not cancel the payment on their end, she alerted me that " upper management '' is aware of the situation, she did not know how they would return my funds or when I would receive them but I was to trust her in knowing that they are working on it and my funds would be returned. I asked how they would correspond with me going forward, and she said they would not initiate any communication, I would need to call back to find out more information about my funds. Meanwhile, PNC bank has {$2000.00} of my money that I did not authorize them to take from my account and I have no repercussions in knowing when they will be returned to me, if I will have my funds to pay the rest of my bills for the month and feed my family and I am left with no answers as to when or how my money that they took from me will be returned.
After XXXX years of banking with Bank of America and being a GOOD customer, i made XXXX mistake and now they are treating me like a CRIMINAL! I am NOT a criminal, i have a good hard working american and deserve to be giving a XXXX chance for this dumb mistake. I have had problems getting good jobs, when i have GREAT work history and experience becuase of Bank of America putting me on XXXX and XXXX.
XXXX / XXXX /  XXXX    XXXX  charges on my Bank of America Credit Card : {$89.00} charge from   XXXX   XXXX    {$89.00} charge from    XXXX   Disputed charges to Bank of America  They    took the side of the consumers Been fighting this with the Bank for well over 1 year submitting tons of information Bank turned me over to a  Bill Collection Agency    I turned to  XXXX   XXXX , Attorney General, Ohio His Department was able to get total refunds for me from both companies I have sent this money to the Collection Agency.     Have reported this to the Bank. They still have {$230.00} of late charges, bank fees that they will not take off by telling the  Bill Collection Agency  that I no longer owe these charges. My card has been closed since  XXXX / XXXX /  XXXX   but they continued late charges.
On Sunday XX/XX/ 2019, I was a victim of a scam through XXXX transaction. I corresponded with an individual with the intent to purchase basketball tickets posted on XXXX. The individual and I exchanged texts during which he asked for XXXX transaction to pay for the tickets. The scammer provided me with his email address after which I proceeded to transfer the funds ( {$250.00} USD ) over via online banking XXXX transaction. After the funds were received, he had completely stopped messaging and turned off his phone and the tickets were never emailed as promised. I'm a Bank of America Customer.
We 've had our own flood insurance policy, purchased through XXXX Flood Insurance for our property at XXXX XXXX XXXX XXXX XXXX, Vermont XXXX since XX/XX/XXXX through XX/XX/XXXX without interruption. 

Despite receiving proof of this flood insurance policy for the term of XX/XX/XXXX through XX/XX/XXXX, Ocwen Loan Servicing placed a second flood insurance policy on the property through a company called " XXXX XXXX '' on XX/XX/XXXX, which expired on XX/XX/XXXX. We were not notified that the lender place policy had even existed until XX/XX/XXXX, sixteen months after the fact. 

Ocwen is attempting to charge us {$1900.00} for their illicitly placed policy. Ocwen has attempted to collect this debt by increasing our monthly mortgage payment from XXXX monthly to {$580.00} monthly. We paid the amount of {$580.00} for XX/XX/XXXX under the mistaken impression that the issue would be resolved and that the additional {$380.00} above our regular monthly payment would be refunded. 

Attached are insurance declarations pages for our XXXX Flood insurance policy, for the terms of XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX through XX/XX/XXXX. We have also attached the declarations page for the lender placed insurance policy in question from XXXX XXXXWe would like the lender placed policy removed from our account, all charges dismissed, the additional {$380.00} either credited to the account or refunded, and for our monthly payment to be returned to {$190.00}.
Well? Here I am again opening a new complain. After my last call to you in XX/XX/XXXX ( sorry, I do not remember the exactly day ) I received the letter Of American Express around the first week of XX/XX/XXXX,  about my complain number XXXX. 
I need to open a new complain after I followed my funds with Taxation and Revenue State of New Mexico. The State of New Mexico needs to know when ( exactly ) American Express send the report and the total amount, the State of New Mexico it has not receive any info about it ; neither any number or sum. Actually I also need American Express to prove me and tell me how American Express sent my information and my funds to the State of New Mexico.
This is a notice of direct dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information and ownership of said account you have posted to my credit file - Acct # XXXX.

The date of last activity, payment history, and status* do not align across all bureaus. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 (XX/XX/2009 ), this notice includes identification of the specific information being disputed : Transunion, XXXX, and XXXX reporting for Acct # XXXX   Date opened : XXXX : XX/XX/XXXXTransunion : XX/XX/XXXX XXXX : XX/XX/XXXXAmount past due : XXXX : {$1800.00} Transunion : {$10000.00} XXXX  : {$10000.00} Date of 1st delinquency : XXXX XX/XX/XXXXTransunion XX/XX/XXXX XXXX   XX/XX/XXXX Last Payment made : XXXX  not reported Transunion XX/XX/XXXX XXXX XX/XX/XXXXReposession : XXXX Not reported TransunionXX/XX/XXXX XXXX XX/XX/XXXXandXX/XX/XXXX *****PLEASE SEE ATTACHMENT WITH FULL LIST OF LATE PAYMENT DISCREPANCIES FROM XX/XX/XXXX THRU XX/XX/XXXX********* also attached are the credit reports pulled from XXXX, Transunion and XXXX that show the discrepancies that i'm referring to as proof Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation.

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. XXXX v XXXX XXXX, XX/XX/XXXX provides a cause of action for individuals against furnishers of information.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX
we receive a letter from a company name Hillcrest Davidson asking for {$1700.00} for a security system we never ask or have one at home they also said have our social securities # and first ask for XXXX XXXX am not XXXX XXXX but i am married with XXXX XXXX my name is XXXX XXXX when i tried to fix these debt they explain me was a contract signed from us we live in these house for more of XXXX almost XXXX never installed or ask for any security system in all we was involved with a Title company with Identity theft and houses + products be issue in our names i explain Hillcrest Davidson and they told me i have to ask for an affidavit when i said to send to me to my email the last associate start to yell and hang up the phone 4 times i call back and 4 times phone was hang up
I have been a Kohls charge card holder for many years. In XX/XX/2018, there was a mix up between mine and my husbands cards and he accidentally used mine rather than his without my knowledge. ( Did you know you guys have sent me SIX new cards in the last year?? SIX. Its no wonder he grabbed one of my SIX Kohls cards that I never requested. And how troubling that the cashier didnt ask to see an ID as the card only has my name on it and says to SEE ID. ) Due to not knowing that I was carrying a very small balance on my card, it went unpaid resulting in a negative impact on my credit score. In this time, I have not received ANY phone calls, or notices that there was a past due amount that needed to be taken care of. I was just in the store last week and used the card and nobody told me then, either!!! I had the funds to pay to small amount due had I known about it. No notices, no phone calls, nothing in the mail. I am requesting that Kohls removes this late payment from my credit report. I have been a loyal customer and without this being removed, I will be forced to close my account. I can not do business with a company who lacks severely in communication with their cardholders!
I filed a dispute with Experian for an account on my credit report with incorrect information. The account was with XXXX XXXX. This account has been paid and closed since XX/XX/XXXX. Experian and XXXX both report that this account is in " good standing '' as of XX/XX/XXXX. Then " charged off '' the months following. This " good standing '' being reported for XX/XX/XXXX makes it seem like I have an open account with them and then stopped paying. Resulting in my credit score being lowered and me getting denied for credit cards. I contacted XXXX XXXX and all they did was mail me proof that the account was paid and closed in XX/XX/XXXX. I then called Experian and told them exactly what the error was and they still did not correct the issue. I have uploaded a screenshot from Experian 's app showing the error being reported for XX/XX/XXXX.
XXXX XXXX a collector for original creditor XXXX has recently updated/verified a collection account, account no. XXXX and done so wrongfully.The inaccurate negative information is appearing on transunion, XXXX and XXXX credit bureaus. 
When I originally received the service and phone I was satisfied.Shortly thereafter the screen broke so I contacted XXXX and XXXX replaced the phone with a refurbished phone for XXXX dollars.The refurbished phone worked for awhile but there was a problem with the charging port.I struggled with the phone for about a month until the phone was dead and wouldnt take a charge.I didnt want to pay another XXXX dollars to trade this phone and risk getting another defective one so I abandoned the acct and moved to another carrier.I was being billed heavily as I had added my girlfiend to this account which did not function properly due to the two defective phones.The phone service was only good in the beginning and the service deteriorated with the defects on the original phone and replaced phone.The carrier XXXX could not provide good adequate service due to defective phones and the charges to me are unfair and wrongful due to the poor service received.
On XX/XX/XXXX, I sent Experian Credit Bureau a handwritten letter to dispute two bankruptcies shown on my credit Case # XXXX and Case # XXXX. I sent this letter certified ( USPS Tracking # XXXX XXXX which it was received on XX/XX/XXXX. In this letter I requested Experian to submit verifiable proof since these are unverified bankruptcies. Experian sent me a response datedXX/XX/XXXX ( copy is attached ). Per their investigation, " the company they used to verify this information confirmed this information is accurate. '' On XX/XX/XXXX, I mailed Experian another letter ( copy is attached ), stating they did not provide me with a copy of any viable evidence. Experian sent me a response dated XX/XX/XXXX ( copy is attached ). Per their investigation, " the company they used to verify this information confirmed this information is accurate. '' Experian has failed to provide me with the name of the company they verified this information with and the information I have requested so I can properly dispute this with the reporting company. I have verified and received correspondence from both bankruptcy courts, that they do not verify information with the credit bureaus. I do n't know who they verified this information with. This is a violation of the Fair Credit Reporting Act.
took my {$500.00} for a home appraisal refused to give me a loan then refuse to give me a copy of this home appraisal. so i am feeling scammed by capital one.
I had a costco card with XXXX. Apparently costco switched their relationship and now only takes visa. So, during the switch, my costco XXXX XXXX was cancelled and I received a XXXX card. I paid the balance of my account online and it disappeared from my XXXX online portal. Five months later, I receive a call from Citibank collections, looking for {$10.00} saying that I had three missed payments. I told them that I had never received any information from them and did n't even know that I had a credit/business relationship with them. They said they had returned mail and never could get ahold of me. They could n't even give me an account number to dispute the charges with the credit bureaus.
I AM FILING THIS COMPLAINT BECAUSE TRANSUNION HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USE TO VERIFY THESE ACCOUNTS. ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : UNKNOWN ACCOUNT NUMBER : XXXX ACCOUNT NAME : UNKNOWN ACCOUNT NUMBER : XXXX ACCOUNT NAME : UNKNOWN ACCOUNT NUMBER : XXXX ACCOUNT NAME : UNKNOWN ACCOUNT NUMBER : XXXX UNDER SECTION 611 ( 5 ) ( A ) OF THE FCRA- THEY ARE REQUIRED TO 'PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED '' THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE. I SENT IN A THEFT REPORT NOTARIZED AND A COPY OF MY DRIVER LICENSE AND COPY OF MY SS CARD
On Saturday, XX/XX/XXXX I received a bill through my email of a new company who apparently bought my student loan. I did not sign on to their agreements and my account was sold without my knowledge. I am a single parent trying to get ahead. I owe more than I took out. I am back in school doing my best to support my children. I received my emails on Saturday and I am behind a payment now. Apparently I had a bill due already. I set up the online account to try to get help. I did not get any help. I called today and was transferred more than 3 times. Each time I was repeating myself. I was on the phone for over 30 minutes. They offered me deferments on my account for 3 months as long as I pay {$100.00} today. Well if I had the {$100.00} I would pay the account up but I do not. Then the lady decided to remind me I was being recorded. I was told this every few minutes. I reminded her to listen to the records. I never agreed for my account to be sold and now I have to restart again. After I told her I was trying to better my career and in school again, the lady made me feel as if I was lying since the school did not report it. I can't support my kids and pay {$300.00} in student loans. They do not have any options to help me. How can my loan continue to be sold and I have to deal with different interest rates and more debt that I did not take out? I have attached screenshots of the date and time I received notice about my new account.
On XXXX XXXX XXXX threatened to garnish my wages when I offered a {$5.00} payment outside of the rehab program I had been deceived by XXXX XXXX XXXX into accepting ( though I never signed their papers ) In XXXX XXXX, I agreed in principle XXXX, who convinced me by saying they would backdate it to start a year ago ( since I had already been making the $ XXXX/month payments, saying that I could 've even done it at $ XXXX/month with my income and expenses. However, each time they sent the paperwork it never showed the backdate, so I never signed it or returned it. Another problem with the XXXX is they were no longer willing to set up my payments with my pay schedule from work, but insisted on the same day each month. He initially placed it too early in month, but did later say fixed it till end of month, but they would n't accept future payments when I attempted to make them. 
Going back to XXXX XXXX, XXXX, when I got on phone with XXXX XXXX, it was my XXXX call in to the number XXXX provided back in XXXX. Now, XXXX told me that it was n't the correct department, hence my issues getting through earlier. On top of that, like I wrote earlier, he threatened garnishment on me. This is the XXXX time they threatened garnishment outsuide of their company policies and DOE regulations. I am trying to make payments, but this company continues to harass me and cause me undue mental anguish in trying to resolve these accounts. 
( A little background here, these loans were less than half their current balance when I was in hardship deferral after college and was arrested in XXXX, sent to prison in XXXX. I feel that they are unjustly higher based on circumstances outside my control as no one advised me I had to renew the deferral annually and I did n't get mail until XXXX in prison when they were already in default. )
I purchased furniture XXXX XX/XX/2015 via Synchrony Bank 's 12 mos. no interest if paid in full in 12 month 's. I rec 'd a letter in the mail on XX/XX/2015 from Synchrony Bank stating that the acct. was charged off and sold XXXX. Company as a collector. I never once rec 'd any bills, phone calls, emails from XXXX or Synchrony Bank prior to account being sold. When I rec 'd the letter, I called XXXX and Synchrony, neither were willing to help me. 

I had absolutely flawless credit until this. I had no intentions of not paying. I was not given the opportunity to pay. I am very upset after XXXX years of excellent credit to have this happen. I would like to see this issue resolved Fairly without damage to my credit.
Upon checking my yearly credit report, I noticed XXXX collection accounts that were being reported by Commonwealth Financial Systems. I sent a letter to Commonwealth Financial advising them I have no knowledge of these alleged debts and I would like to be able to validate them. I received a letter back stating they were n't able to locate an account based on the information I provided in my letter. I was able to locate account numbers for these debts on my credit report so I sent them another letter listing those account numbers, in response. 10 days after I sent my second letter ( including account numbers ) I received a letter from this collection agency attempting to collect payment on these alleged debts. The letter I received states that these accounts have been placed with this agency and I would need to notify their office within 30 days if I would like to dispute the validity of these debts otherwise they will assume these debts are valid. Before I saw these collections listed on my credit report I had never heard of Commonwealth Financial Systems and I had never had any communications with them. At this point, it has been well over 30 days since I sent my first letter requesting validation on these alleged debts and to this day I have not received anything to validate them ; however, they have started sending me letters attempting to collect on these debts and that only started after I asked for validation. I have no information on these debts other than what is reporting on my credit report and even though I have n't been allowed to verify these debts are valid they are still reporting and damaging my reputation and credit worthiness.
A judgement was placed on my checking account without knowledge as to who the creditor is, the amount of the debt and no summons was received by me. My account contains child support and social security income which legally can not be restricted. When I called the law firm my bank provided, they refused to give me any information as to who they are unless I provided my social security number. I declined, as I was unaware of whom I was speaking to. The point of contact at the lawfirm aggressively told me she would not provide me with any information and that my account would stay frozen.
Divulge information to someone I do not even know about my debt. This person is not listed on any of my references. Ally Financial used a 3rd party search engine on my fiancee and called numbers associated with her last name until they tried to track down someone that new her and told this individual that they did n't want her but me for a debt I owed them. She is not a applicant on the loan so why are they harassing people who I do n't know and do n't have permission to share information about me with.