WillisBack/dataset-financial-user-claim huggingface dataset:
I recently switched bank accounts to PNC and started using it as my primary checking account. My mortgage is also with PNC so XXXX of the first things I did is pay my mortgage bill using the bank 's bill payment service. Since I did not have the payment address, I called to get the address from PNC and then sent a payment to that address. That payment never posted to my mortgage account. Not wanting it to be late, I sent a duplicate payment ... I 'm not sure if that payment has posted yet. Now I have XXXX outstanding payments and am out of nearly {$3000.00} that I need to pay other bills due to the duplicate payment. When I sent a message to customer service from the website, I got a response that was addressed to another customer and said I do n't have a checking account at all with the bank so they ca n't help me!!! This is alarming. I do n't know what 's going on. Please help.
Tried to get a {$150.00} money order cancelled from Western Union Company but they said they could not do that and I explained it got lost are stolen and gave them number for money order and said no guarantee can get refunded
I've noticed on an governmental website that the reporting agencies are required to remove inaccurate information, disputed at the consumer request ; Especially in the event that there has been some sort of prejudice of conflicting information with the account data or without supporting information from a reporting creditor. It is not an acceptable response for a creditors statement to be as simple as " the information remains, '' and even more frustrating if a consumer rights with fair lending rights and/or laws were subject to prejudice with the account. ( Ex. Prevention of account access including payments and maintenance of loans. ) DISPUTE : Any dispute that has been initiated by me has been because the information is not correct or it should not be reported due to some type of discriminatory practice. The credit reporting agencies are required to update the report as requested. 

INQUIRIES : I've noticed that there are a high number of inquiries on my report and by institutions that I did not give permission or authorize to have any access to the credit information. I can attest that I have attempted to obtain credit with a few lenders but the additional inquiries shouldn't be on my report. It may be an circumstance of identity theft ; They have not proceeded with the removal of those unauthorized inquiries.

SCORING MODEL : Although the information being reported to these potential lenders has not be accurate, I believe that there may still be some prejudice to the credit score that they are delivering. Please keep in mind, the negative information that shouldn't be reported is several years old and has damaged the report within the first delinquency date. It should not continue to be so volatile and definitely shouldn't be still impacting the score heavily, but it is significantly impacting the score today. And with over 10 years of positive credit history with Education Loans, Auto Loans, Credit Cards, Installment Loans vs. 2-4 negative accounts.

ACCOUNTS NOT REPORTING : There have been several accounts that have been removed from the report. And commented that even though I did not initiate the removal, it can not be added back to the account. I was not able to find any information about this procedure but I do believe that the information should be reported. Especially with me notifying them of the missing information.

UTILIZATION : It has become frustrating that an account that has been closed, and is not an active account, reports utilization like an open revolving line of credit. The consumer does not have ability to access the funds within that account and does not rely accurate information about a creditors current lines of credit usage. The account technically if in a closed status and whether charged off, " meaning the financial institution received financial compensation through an tax write-off, '' should not be calculated on the consumers current utilization trends. -It just doesn't show the true character of the available credit and the monthly usage, and reaches controversy to the common knowledge of the long-term effects of negative information on a credit report.
MY NAME IS XXXX XXXX.MY LOAN NUMBER IS XXXX. I HAVE A HOME AT XXXX XXXX XXXX XXXX IN XXXX TEXAS XXXX. WHEN I GOT IN TROUBLE AND APPLIED FOR A MODIFICATION IN XXXX OF 2014 I SPENT 8 MONTHS TRYING TO GET A MODIFICATION APPROVED. I WAS NEVER TURNED DOWN. ON XXXX XXXX I CALLED CHASE TO SEE WHY THEY HAD NOT APPROVED THE LOAN. ON XXXX XXXX WHEN I RECEIVED NOTICE OF FORECLOSURE I CALLED AND VERIFIED THAT MY LOAN WAS STIN IN PROCESS OF MODIFICATION. I RECORDED THE CONVERSATION WITH MY CASE MANAGER OF CHASE AND WAS TOLD THAT IT WAS NOT IN FORECLOSURE AND THAT THEY WERE STILL WORKING ON IT AND WAS TOLD TO CALL BACK IN XXXX DAYS. ON XXXX XXXX, IN DIRECT VIOLATION OF THE XXXX XXXX 2014 LAW OF YOUR DEPARTMENTS LAW, WHILE I WAS IN PROCESS AND WAS NOT TURNED DOWN, THEY TOLD ME THE HOUSE WAS FORECLOSED ON AND THERE WAS NOTHING I COULD DO ABOUT THIS. I AM ASKING UNDER YOUR REGULATION, THAT CHASE BANK GIVE ME MY HOUSE BACK. I AM A XXXX FATHER WITH XXXX CHILDREN AND WE HAVE NOWHERE ELSE TO GO.
XXXX/XXXX is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to XXXX/XXXX along with a notarized affidavit claiming fraud. XXXX/XXXX is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like XXXX/XXXX   to close their files which have any information with my name & social on it ...
On XXXX XXXX, 2017, I wrote this credit repository and all the creditors being reported incorrectly on my credit report. There are several collection accounts that I disputed which does n't belong on my credit report. Requested validation documents to be provided to me and I have not received what I am lawfully requesting and it is more than 40 days now. How can the bureaus report that such disputed items have been verified? How did you verify the information? Is n't it unfair that I did not receive validation documents within the required timeframe as stipulated by the law, you being able to verify the pieces of information and me, on other hand can not?! What documents did you use in your investigation? Is n't that a violation of FCRA. Not being able to provide validation documents. Reporting an item verified when they are unsubstantiated?
My unit is under a 5 year tax abatement program, so every year there is an abatement increase on top of the original tax amount, which comes in a separately bill. LoanDepot, my mortgage server did n't pay the abatement increase from my escrow account, and claimed they did n't receive a copy of the bill first. I sent a photo copy in early XXXX, and kept following up. However, only until today, after I call them, I got an answer saying that this increase amount is not their responsibility to pay, and they ca n't incorporate this amount going forward, either can they reimbursement me the losses occur. It 's been a month!
We fell behind on our payments due to a reduction in income and I contacted Wells Fargo for help. On XX/XX/XXXX I submitted a loan modification application for consideration. On XX/XX/XXXX we received notice ( Exhibit A ) that it had been approved under The FHA HAMP program. We made all 3 trial period payments ( Exhibit B ). XX/XX/XXXX I was asked to add XXXX name to the deed as only mine was on it. I hired an attorney and this was done and sent to Wells Fargo ( Exhibit C ). I was then asked to submit proof of residency for XXXX which was also sent to Wells ( Exhibit D ). After submitting everything that was asked for, we received a denial of the modification because they could not verify that XXXX resides in the property ( Exhibit E ). 
I maintain that we have met the burden of proof for residency requirements and made all 3 trial period payments under the FHA HAMP Guidelines.
I was denied a Barclaycard XXXX with XXXX Rewards. My credit score is XXXX. I have no criminal record. I was unable to solve the problem by talking to their agents. I filed a complaint. XXXX XXXX from Barclaycard responded and after much conversation told me that the denial was due to an old phone number on my application and that I would be approved for the card immediately when I applied. I thought the issue was settled. 

Since that conversation, I have received XXXX letters from Barclaycard saying they need further confirmation of my address. They want me to send an original utility bill. I was asked to do this and I did it when I first applied for the card. I additionally sent them a copy of the front page of my tax return. Then they wanted copies of the front and back of my social security card nad my driver 's license. I have received many credit cards and never been asked for any information such as this. Something is very weird and I want to know why I am being refused credit. 

I have left messages for XXXX XXXX twice and received no return call. 

I had a XXXX XXXX Barclay card at the time I originally applied for this card. So, they already had my information and experience with me as a credit card holder. 
I want to know what is going on. XXXX XXXX told me the reason for all this hassle was that I had put an old phone number on my application. I do not believe this is true. I would say my age or XXXX is the most likely reason for the refusal and that they hope to hassle me until I give up. My partner who is a year younger and has a lower credit score was immediately approved for his card.
This debt collector continuous send out late, time sensitive documents that look like junk mail, unsolicited adverting and some of this mail to my current address had no return address. I am not sure the how they sent the alleged collect documents in the pass however I was not notified of this debt till years after the court proceedings against me. This company levied my student financial aid. Although the company no that the levied fund are exempt they refuse to return them. This company forced my student college fund closed at XXXX Bank. Their caused me to fail classed and force me to drop out of school. This company has extorted money from my college fund that was from a inmate trust account check that did not belong to me. this company financial bulling has cause me to fall XXXX. I also am still considered a student however I can not return to school with this company beating me up financial where I can afford food, books, tuition and the necessaries a student would need to do well. I believe that I do not owe this debt because there was activity on the card on a date I was in another state where my purse was snatched off my arm and i had to have new car keys made, purchase cell phone. I also stayed at the hotel because it happen on the property the manage comp me a room and I used cash to stay a few more nights to help look for the assailant. I work with XXXX would have record of that.
I have disputed XXXX - XXXX directly with XXXX three times, filed a complaint against them with the XXXX, the CFPB and the Attorney General in Texas. I am irate because they have not responded to any of my complaints via phone call, email or mail. How can they do that? 

This account needs to be deleted on my credit report before I hire an FCRA attorney to file a lawsuit against XXXX.
I want to report to you that this company preys on homeowners by making false promises through their deceptive advertisement that they had sent to me. I thought I was a plaintiff for a lawsuit to be filed against my bank and the mail ad said my new interest rate will be 2 %. I called in to find out more information about this so when I spoke to them back in XXXX XXXX, XXXX I had told them specifically that I already applied for a loan modification and still waiting for an answer. Core advisory group told me that they are not a loan modification company and that they can help me get a better result by filing complaints against my bank. I asked them what will happen afterwards and they told me that getting the complaints open will automatically force my bank to give me a better loan modification term and I will be a better position if I have professional help so they can go after the bank to eliminate all the late fees and penalties and also reduce my principle balance. This sounded good at first, so I agreed to sign their paperwork and paid them {$3500.00} upfront plus {$120.00} for their notary service. On XXXX XXXX, XXXX my bank finally responded to my original application for a loan modification and I was approved. Core did nothing for me but draft complaints to be filed with CFPB. This is a pure scam and tricky way for them to lure people in, thinking they can do this and do that but really just take your money. I filed a complaint to them to return my money and out of {$3600.00} dollars I paid them they were only willing to give me back {$1700.00}. I believe I am entitled to the rest my money paid to them {$1800.00} based on FTC XXXX rule makes it illegal for any company that provides mortgage assistance to charge me fees in advance and that is what they did. I want my money back.
We have had a loan with Nationstar Mortgage for years and have our payments on automatic payment via XXXX XXXX XXXX. Consistently for many years, NationStar misapplies our payments and charges us late fees. Each time, we call in to remedy the situation and each time, we have to call in several times to fix each issue. We have spent over 100 hours calling into them and they have yet to fix the problem. Their inability to properly apply payments is ruining my credit through no fault of my own.
I had a walmart/synchrony bank credit card.. always in good standing.. never late on any payment..i recently paid the account off 2 weeks ago in full.. my credit limit had been XXXX today i received a letter stating Synchrony Bank was lowering my credit limit to XXXX because of a credit score of XXXX & derogatory collection of XXXX from a medical bill ( paid in full by my insurance company ) ... they told me they do not have an appeals process and i need to contact transunion who is currently disputing the medical collection issue.. i was told by XXXX my credit score was never XXXX and in fact is currently over XXXX ... i would like this information this bank is reporting to my credit to be corrected asap..as its really destroying a good customer and never gave them any issue in repayment.. i have closed this account down, however if it can be reopened at what my credit limit was.. i would be open for that as well.
I ordered 2 XXXX XXXX products online from a company named 'XXXX XXXX '. The ad offered that you pay shipping and handling only for {$4.00}. My bank account shows that on XX/XX/XXXX I was charged {$4.00} for 'XXXX XXXX XXXX ' and on XX/XX/XXXX I was charged {$4.00} for 'XXXX XXXX XXXX XXXX '. Both of these were taken from my debit card. On Friday, XX/XX/XXXX I went online to check my account and seen that they again charged me {$80.00} for 'XXXX XXXX XXXX ' and {$83.00} for XXXX XXXX XXXX XXXX ' on XX/XX/XXXX. I immediately contacted them. The first person I spoke with told me she 'could not locate ' my account and would call me back. No call came, so 3 hours later I called again and spoke to another individual who found my account immediately and then she advised me that I could not get a refund. She advised that I had 2 weeks to contact them or I would be charged, I knew of no such thing. She hung up on me at some point. I called back 2 more times to try to talk to someone and they both hung up on me. I have filed a dispute with my bank, Huntington Bank - they say it will take 45 to 90 days to get the dispute processed. I am guessing that it may have stated this in very very small print somewhere. But, although that is still wrong - it still was not a full 2 weeks before they pulled money from my account. I have cancelled the card with my bank as well.
I was offered a pre-qualified " Business Line of Credit '' from Wells Fargo on XXXX XXXX, 2015. I denied credit based on financial information from what I was told by a Representative of Wells Fargo, from " old financial archives '' from XXXX of a " charge-off '' of a credit card from Wells Fargo which is no longer on my Credit Bureau Agency or other reporting financial agencies. I was then told that " once you write off bad debt or charge offs, Wells Fargo never approves application for lines of credit or loans ... '' I have a high credit rating of XXXX - XXXX which is cited in their denial letter. Even though they stated in the letter that negative information on my Credit Bureaus was used to determine my application result. But yet, on the phone with a manager, I was told that " old financial archives from Wells Fargo was used. I asked them were they using my race and location of my business as factor for denying me a " business line of credit ''? Of course, they responded that " this was not the case '' but no good explaination was given for my denial of a business credit line other then a " consumer credit card charge off from XXXX ''. I believe Wells Fargo is using unfair business practices and discriminated towards my application based on my XXXX location.
For many years my wife and I banked with Capital One Bank and the institution it gobbled up during the financial crisis, XXXX XXXX Bank, before that. It has been a profitable relationship for the bank and for the most part satisfactory to us. However on XXXX XXXX we received separate unsigned XXXX snail-mail letters sent from an unidentified Capital One office in XXXX, XXXX, announcing that they were closing each of our accounts with no explanation. They claim, erroneously, that we agreed upon opening the accounts that they had the right to close it ( in fact, they took over the account from a predecessor bank ). However, we have no desire to contest that claim or to bank further with a company that treats customers so shabbily. Both accounts were in good standing and had ample funds on deposit. A {$5000.00} line-of-credit attached to my account, also in good standing, also was closed. By trackable express mail and also by E-mail I asked the CEO of Capital One to have someone contact me or send an explanation but received no reply. I asked the manager at the branch in downtown XXXX where I conducted most of my in-person business, but he was clueless and referred me to a customer service phone line. I spoke to several people by phone in that customer service center, squandering a great deal of time. A case number was assigned and each one promised to have a higher-up contact me. But nothing happened. I believe I\we each deserve an explanation. I am aware that Capital One is one of the sleazier financial institutions in the country, having paid XXXX of dollars in fines for unlawful corporate misbehavior. But in this instance their behavior is simply irrational, though probably not illegal. Why would a financial institution shut the door on a paying customer in good standing? What sort of judgment does that reflect on its corporate leadership?. If it received information from a government or a private source about activities on our parts that could affect them, are they not morally obligated to share that information with us, their customer? We have moved our accounts to another bank but we insist upon a written explanation signed by a responsible official from Capital One Bank as to what information or action caused them to act in such an offensive and disruptive way.. I want them to share with me any and all information so that if it is in error, we can attempt to correct it, and if I or we have done something that concerned them there is an opportunity to address that action. Thank you.
The debt was back in XX/XX/2012and should have been resolved by now and the debt was paid
TD Bank Keeps Selectively Deciding what transactions to pay, and what transactions to reject causing numerous fees to be incurred .... TD should have just rejected sale when presented to be paid resulting in a declined transaction
Professional Finance Company is a collection agency. They contacted my employer with a writ of garnishment. I contacted them prior to the garnishment starting on XX/XX/XXXX and paid them a settlement amount of {$760.00} to stop the garnishment of {$930.00} even though I still have no clue why my previous employer is garnishing my wages at my new employer I paid them to just make them stop. I confirmed on the phone with them that the payment I was making would close my account, pay the balance in full and stop the garnishment. They said yes and stated the would fax a release of garnishment to my employer. The following week XXXX $ was garnished from my check. I contacted my employer on XX/XX/XXXX who stated they had never received a release of garnishment. I contacted PFC on XX/XX/XXXX as well, they stated they would yet again the account was fully paid and they would fax a release of garnishment and that I could come pick up the wages from my check that were garnished when they received it. On XX/XX/XXXX my employer called me to tell me that they still hadn't received a release of garnishment and if they didn't receive one by XX/XX/XXXX another portion of my check would be taken and sent to PFC. I got off the phone with them and called PFC who is now stating they have already faxed the release of garnishment and will not send another even though my employer never received it and now they are stating that I owe them an additional XXXX $ for something that was never included in the payment I made on XX/XX/XXXX when I paid my balance in full. Now due to the payment I made in full of XXXX and the XXXX they have taken a total of XXXX which is over the amount stated by the courts that I owed them ( XXXX ) and they are refusing to fax a release of garnishment or anything stating that I paid them so they can continue to garnish even more of my wages.
I

n XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I disputed two items in collections on my credit report. After review, the CRA ( XXXX ) deleted the items from my credit report. Fast forward to approx XX/XX/XXXX ; I notice that my credit score has dropped precipitously, so I go to investigate, and much to my dismay, I find that " XXXX XXXX '' has somehow managed to park this deleted item on my credit report with absolutely no notification. The CA also re-aged the debt, stating that the " date opened '' was in XX/XX/XXXX. This is severely impacting my ability to move forward with plans to purchase a house,
and seems criminal in nature.