WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX Account # : XXXX Southwest Credit Ref # : XXXX I was a loyal client of XXXX XXXX XXXX for 4 years until my son needed a cell phone. After clearly explaining what services were needed, their representatives advised me to purchase products that did not meet our needs. 

Several repeated 2-4 hour phone calls resulted in returns and additional products that did not meet our criteria. 

I had to escalate the issue several times since XXXX XXXX XXXX refused to take responsibility for not only the ineptitude and rudeness of their employees but also refused to correct the billing. 

In fact, I warned the escalation department they were going to lose a 4 year loyal Client unless they did the right thing by correcting my account several times. 

Instead they chose to show me how little my business and loyalty was worth by refusing to admit their mistakes and credit my account. 

So I switched to XXXX. 

Since I cancelled my account with XXXX XXXX XXXX, I have been waiting for my " final bill '' so XXXX could buy out my contract. I was told by an XXXX XXXX XXXX representative the " final bill '' was in the mail. It never arrived. 

Another XXXX XXXX XXXX representative told me I had to log in online however when I did, my account was locked. 

Now months letter I am getting phone calls and threatening letters from Southwest Credit demanding money. 

I suggest they read the Notes and see how many times I asked XXXX XXXX XXXX to fix their mistakes, that I did not want to switch Carriers but I would if my business was not appreciated. 

I can dig through the remains of XXXX XXXX XXXX and get names and dates. Most of it was taken out with the rest of the trash. 

I will never do business with XXXX XXXX XXXX again and strongly suggest the President of the company cleans " his '' house. 

Since I have had to deal directly with the President 's Office on a different occasion and on the behalf of another abused consumer, I am not holding my breath. Their employees are garbage and they do not care about loyalty or Client retention. 

XXXX XXXX XXXX and Southwest Credit ... DO NOT CONTACT ME AGAIN. DO NOT TAKE ADVANTAGE OF YOUR MOST LOYAL CLIENTS AND EXPECT THEM TO STAY.
My wife and I have several IRAs with PNC Bank. We have had trouble with this bank when we moved because they can not get a simple address change done. Apparently when the address is changed it does not get to all their systems, and they continue to send statements to an old address. The current address problem started when we moved and changed our address in approximately XX/XX/XXXX or XX/XX/2013. PNC assured us several times that the address change was done on all of our accounts, however they continued to have the old address on some accounts, and sent out mail to our old address. This involved numerous calls to PNC customer service and at least two corporate complaints, and hours of frustration for my wife and me. Each time they " assure '' us that they have the correct address on all accounts. The problem with that is our statement ( s ) are mailed to the old address, which is a highly concerning security issue with us. This year our end of the year statements arrived on all our IRAs except for one of my accounts. My wife called PNC IRA department, this month with my permission to discuss and handle anything regarding my accounts, and they still showed the old address from XX/XX/2013 on this account! My wife handles our business and I always give the bank verbal permission on the phone for them to talk to my wife. We have been trying for 4 years to get this right! We have again complained to PNC and have been assured someone will call my wife back to let us know the problem is resolved, but they have not. A follow up call still did not get a response. With our experience in the past 4 years, we doubt that they will get it resolved. Four years is a long time to have something as basic as an address change not done correctly. The problem has to be systemic. The problems in the past have sometimes been explained as caused by the fact that we have a P O Box. We have always given our home address which we understand the bank must have for their records, however we have requested all our mail go to our P O box. Another time they said the change did not get done in the IRA department. Other times, no explanation was given. The formal complaint I have done this year with PNC has a complaint number, which we can provide to you otherwise in this process, to protect our privacy. I urge you to investigate this thoroughly because if we have such a chronic problem with PNC address changes, other people must be having the same problem. I give permission to your agency to discuss this complaint with my wife.
Around XXXX XXXX I requested a payoff figure from my mortgage company, Pacific Union Financial. I received a payoff statement dated XXXX XXXX, XXXX with a total amount to pay the loan in full of {$150000.00}. Ive been paying the same monthly mortgage payment since then. When we accepted an offer for this house in XXXX XXXX, it was based on the fact that the payoff should have been somewhat lower than the XXXX XXXX, XXXX payoff figure. We negotiated the sale of this house using the {$150000.00} as the maximum wed need to clear in order to pay off Pacific Union. 

I requested an updated payoff figure from Pacific Union to get a better estimate on what to expect financially at closing on XXXX XXXX, XXXX. To my surprise, I received a payoff statement dated XXXX XXXX, XXXX for {$150000.00}. This is {$4600.00} more than the XXXX XXXX, XXXX payoff figure. This is a problem as we 've broken ground on another home. The additional {$4600.00} Pacific is now expecting in payoff contradicts what they sent me in XXXX XXXX. 

Pacific Union has admitted that they made a mistake with the XXXX XXXX payoff statement. However, theyre expecting that were to pay for their error at our XXXX XXXX closing. 

I expected that the official statement Pacific Union sent me in XXXX was accurate. I used payoff figure to negotiate the sale of this house. The payoff should not have increased. 

I brought this discrepancy to their attention through their online messaging system and faxed them all the documentation they requested. They are now telling me I need to address this issue through their dispute department further delaying the settling of this issue. Time is of the essence as it 's now XXXX XXXX. This unresolved issue it too close to the closing date of the sale of this house. Since they were faxed all of the documents, at their request, they should have forwarded my complaint to their dispute department. 

Pacific Unions mistake could ripple effect into us not being able to honor our sales contract on this home ; which will cause the people ( also vets ) that purchased this home to not have anywhere to live. Their error will then release us from the contract on our new home ; and, none of the real estate agents involved will receive their commission. Their error is far reaching. 

I 'm attaching the two official payoff documents received from Pacific Union along with the envelopes they came in and the fax to them. I 'm also attaching the email traffic I 've had with Pacific Union in their online system.
On XXXX A lady contacted me regarding consolidating my student loans via telephone and asked to call them back at XXXX. I called them back and informed them I am in the process of consolidating my student loans. The person who identified herself as XXXX XXXX informed me they would assist me in the process and that due to the " laws changing '' that I would need their support. She said she worked for " 77 Elite ''. She asked for my FSA ID and password, got into my account to look up my information regarding my student loans. She sent me an email with my current loan breakdown and told me she could be able to greatly lower my student loan payment and improve my credit score. She said in order for me to be able to consolidate my loans, they would need an upfront fee of {$990.00} for the service as nothing is for free. I told her I could not afford that, so she said I could pay it within 4 months. She asked for my debit card account information and immediately took {$240.00} out of my account. She emailed me documentation and told me to click to say I signed a document so that she could consolidate my loans for me. The documents are not notarized and the name of the company on the forms says " XXXX XXXX. '' I received two emails at the same time which I will upload, one stated they were the " Processing Team '' and the other one said " Processing Team, 77  elite on XXXX. '' I received a call from XXXX on XXXX from a lady asking for my social security number, and she would need it quickly in order to continue the process of my student loans. I received an email on XXXX requesting to sign releases of information to my 3 loan companies ( XXXX, XXXX XXXX, and XXXX  XXXX ), and requesting either my last two pay stubs or the first two pages of my most recent filed income tax report. I emailed the documents. After researching " loan scams '' I became very scared that this was a scam as there have been many " red flags ''
I reached out to the collection agency around XX/XX/2018 to validate this debt and to date I have not received any information confirming this is a valid date. Also per insurance records there werent any claims submitted from this company.
In XX/XX/XXXX I received a used auto loan from Capital One Auto Finance for {$24000.00}. As I set up my account with the representative using the capital one 360 account I made a payment online which I thought went through, but unbeknownst to me there was a error and the processing which triggered a string of late payments. These were not knowledge to me as I just started to pay through XXXX to have validation. 

In XX/XX/XXXX I paid off the loan in full. As I checked my credit report through all 3 bureaus to make sure that it has been completed as paid I found that these months of reporting along with a repossession were on 1 out of 3 reports. At the time of me paying it off and it full it showed that it had been paid on time for the last 2 years prior to such after everything got sorted out. In addition, once it was paid in full there was a significant amount of time before the title was received. I have not had the most pleasant experience dealing with Capital one auto from a customer service standpoint and hopefully the resolution will change that.
I was contacted by a 3rd party, in which I thought was a government entity, to help me pay down my student loan payments & to consolidate them all to XXXX. I was in the process of getting a car but they could not give me a loan because they saw i had a {$54000.00} student loan that processed in XX/XX/XXXX. I was not aware of this because to my knowledge I thought I had already paid it down and it was reported on my credit as paid in full, stated in the email I received in XX/XX/XXXX. Come to find out the $ XXXX {$1000.00} I spent thinking it was going towards my loan was actually not going towards it at all. I contacted the services who has my loan still showing and told them about what happened & they advised to me that I paid XXXX XXXX party to consolidate my loan when that service it 's actually FREE! I am a recent college graduate & it is so unfortunate and unfair that they scammed me like this knowing I 'm fresh out of school and vulnerable to things like this. I spent $ XXXX- {$1000.00} I did n't have to try and pay my student debt so that I can finally get things such as apartment, cars, or even a good job because now they do credit checks. I am hoping to obtain my money back so I can put it towards what it actually was intended for.
I sent 3 letters to Experian and to investigate 3 accounts on my credit report. The letters was notarized and asking that they provide proof of my signature and verify those debts are mine. I have no contract with any of these companies. Experian failed in every attempt to verify the accuracy of my credit file therefore causing me a financial hardship and denial of a mortgage due to there negligence.
611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the con- sumer during that 30-day period that is relevant to the reinvesti- gation.
( C ) Limitations on extension of period to reinvestigate. Subpara- graph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide noti- fication of the dispute to any person who provided any item of information in dispute, at the address and in the manner es- tablished with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the informa- tion in dispute all relevant information regarding the dispute
FIA Card Services contacted me on behalf of Bank of America XXXX. This is related to another complaint with Bank of America for an unexplained XXXX charge on my card. ( XXXX/XXXX/2015 )
My husband and I each applied for an individual XXXX XXXX credit card in early XXXX 2017. Our application information was virtually identical as to address, time at residence ( 47 years ), home ownership, annual income, etc. The only differences were that I had a better FICO score ( over XXXX ) and I am a woman. My husband received his card immediately. I was initially asked to provide voluminous additional information, which I promptly submitted on XX/XX/XXXX. I received a phone call from Barclaycard acknowledging receipt of my information, but asking that I resubmit my Drivers License. I did so on XX/XX/XXXX. I have subsequently received three form letters from Barclaycard asking for the same information they acknowledged on the phone that they had already received satisfactorily. I have also phoned Barclaycard twice, and been left on the phone by the Customer Service department for many minutes before they just disconnected. I have never received an answer from Barclaycard as to why they are not issuing me the credit card. ( I am already a Barclaycard customer for two other brand cards, and have a perfect payment record on those cards. ) I believe I am being effectively denied the card, and not even given a reason for the failure to process my application, for the sole reason that I am a XXXX year old woman. This is a clear case of sex and age discrimination.
XXXX XXXX refuses to accurately calculate the number of qualifying payments I have made on my student loan toward Public Service Loan Forgiveness. I sent in my last public service Employment Certification Form in XX/XX/XXXX and now it's XX/XX/XXXX and XXXX XXXX still has NOT calculated my qualifying payments accurately. 
As of the XX/XX/XXXX date, I have made 68 qualifying payments. XXXX has reported to me random numbers, all less than 68. In fact, just recently it lowered the number of payments I made without explanation, without documentation, without reason. 
That it takes XXXX XXXX  nearly a year to count up payments accurately is a terribly sad indictment on the competence of this agency and its representatives. It's time for Federal intervention.
Experian, once again, makes it impossible to deal with them online, and insists that every service they do n't find sufficiently lucrative be conducted by snail mail. Their excuse is specious : they ask 4 questions to " confirm my identity '', two of which I can only answer " none of the above ''. They are typically about bank or merchant accounts. They offer 4 names each of banks or merchants that I am supposed to have an account with. I never have heard of any of these merchants or banks. I know from experience that this is not due to somebody using my name to open credit accounts I know nothing about : it is due to Experian either disguising or entirely making up the names of the banks/merchants so they do n't have to do business with me online. This happens usually when I order my annual credit report online. It has now happenend for my request of a security freeze after the XXXX hack. I tried using their application to upload documents, tried to upload my drivers license, to prove my identity. It does n't work, gives me an error message that only pdf 's are accepted, when I was trying to upload a pdf.
In 2014 I believe my mother had his ex boyfriendliving in our house he stold our bank account information, our debit cards social security and also checks. He took my XXXX XXXX XXXX and deposit a check with no funds to various of my accounts. He went to jail for that but I never did a police report on what he did but now im not able to open any account because of that and ca n't pay all the amounts of checks with no funds that my stepdad did. Offortunitly I have no proof but there is proof he went to jail for doing false accounts and depositing check with no funds.
Experian is not removing or blocking an account per FCRA regulations when I submitted an Identity theft report claiming I was a victim of ID theft. There are 3 accounts reporting to Experian which are fraudulent & I'd like them to be removed from my report. I thought they had dutifully complied to the law to cease any fraudulent account unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.
This would be 3rd time I've tried to get XXXX to correct information on XXXX XXXX XXXX regarding a car loan that was paid off. Documentation was submitted. Seems every time I try to get this fix suddenly my score drops 30-50 points.
I am so frustrated with Midland Funding. They are attempting to collect debts I do not owe. In a prior dispute they responded that they have put my number on their do not call list. At that time they were saying I had XXXX debt now I 'm getting calls on XXXX different debts that are NOT mine. They have also added Collections on my credit report causing my score to drop by over XXXX points. Is it legal for them to destroy my credit without ANY proof or documentation that I owe it? The entire credit system is broken if this is possible. I ca n't even sleep nights worrying about this and want someone to stop these predatory tactics.
XXXX XXXX performed an inquiry on my credit that was for prescreening. I never authorized an inquiry on XXXX XXXX, 2016 that would be an impact on my credit.
XX/XX/XXXX-XX/XX/2014, we were in the process of moving. We did not have a balance on this credit card. Unbeknownst to us, they added a monthly fee anyway. This particular company will not allow you to overpay, even when their system takes several days to process a payment ; days in which they continue to charge interest. A few months ago, we had another problem, their fault, and after speaking with customer service, we were told that both problems were taken care of. That all we had to do, anytime there is an issue, is call them. They stated that we were not reported for nonpayment to the credit bureau. This was supposed to be taken care of. Otherwise we threatened to close down this account. You can see that I am trying to improve my credit, any way I can. This one report is n't easy to overcome with the few repots I have. Thank you for your time. XXXX XXXX
The credit bureaus are reporting a collections account that is damaging my credit preventing me from getting a job and apartment or any bank related products. I am writing because this collections account was settled by my insurance company and the initial debtor. The receptionists assured me that their clinic was in my insurance network so there would be no copay. A few months after my clinic visit I relized that said clinic had sent me a bill to satisfy of XXXX dollars.
To whom this may concern, It has come to my attention that Equifax was lax in their securing of my personal credit and financial information from online theives, and when a breech in their system released my information ( I checked, and mine was taken ) they didnt alert me or make an announcement until much later when it was discovered. Before releasing the information about the people involved in the data breach, the executives also sold large shares of stock ( also verifyable )
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 
XXXX XXXX XXXX XXXX Date opened>> XX/XX/2016