WillisBack/dataset-financial-user-claim huggingface dataset:
Over the past three years, I have repeatedly tried to get my ex-husband, XXXX XXXX, removed from my checking/debit account and my credit card account through PNC Bank. I opened this account and credit line as a single individual, and at no time, listed him as part of the account or listed him as an emergency contact. For some reason, PNC has been unable to explain why he has been linked to my accounts. 

Over the past three years, XXXX XXXX has received account notifications as well as account alerts when there is suspected fraud ( i.e., if I am traveling out of the country ). At each occurrence ( the last at the end of XXXX and is noted on my account records at PNC ), I have contacted PNC Bank and they assure me that his name and access has been removed, but then I find out he has been contacted again by PNC regarding " fraud '' on my account -- which also gives him PRIVATE information regarding financial transactions as well as my locations. 

This occurred again today, XX/XX/XXXX. He was called by PNC regarding a " Fraudulent Purchase '' on my debit card. When I contacted PNC, they stated they saw that I had called in XXXX regarding the same issue, but " nobody followed through on making sure it had been dealt with. '' And then stated it appeared he had access via my ONLINE banking. 

Again, I have NEVER linked his name to this account. I have NEVER granted him access to my account. I have NEVER agreed that he should receive PRIVATE information regarding my account. 

I need action taken immediately on this and I believe I should be given financial compensation for illegal sharing of my private banking information. My divorce was not amicable, and I have no idea how much of my financial information my ex-husband has been able to access.
Whom it may concern : I have submitted three ( 3 ) separate qualified written investigation requests ( months XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX ) to Equifax. I have request that, as required under FCRA section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), provide copies of any original documentation be provided as verification. Equifax has failed to provide the method of verification as required under Section 611 ( a ). 

Equifax has not only failed to provide verification ( written documentation of proof of contractual obligation, they have also refused to investigate all of the tradelines or credit reporting to my credit that was listed on my investigation request, often completely ignoring my XX/XX/XXXX written investigation request and investigation tradelines that I never requested. Equifax updated some of my request for investigation as verified but refuses to provide documents on how it was verified although I have requested in my written investigation request numerous accounts. I have attached proof of my investigation sent along with my certified mailing receipts.
Transunion, XXXX and XXXX have altered my financial records without providing to me any explanation for doing so. As such, I have no idea why Transunion especially, altered my credit records, and as such, I have no way to dispute, if I desired to dispute it, that alteration. On XXXX XXXX, 2016, my credit score with Transunion was XXXX and contained ( XXXX ) hard inquiry. On XXXX XXXX, 2016, for whatever reason ( s ), Transunion lowered my score by ( XXXX ) points? and added ( XXXX ) hard inquiries to my file? XXXX and XXXX did the identical thing. In XXXX, 2016, I filed a complaint against Transunion for the identical conduct and they corrected my record. Sadly, Transunion did not learn much from that complaint, because on XXXX XXXX, 2016, they did the identical thing. This secret altering of my financial records at these XXXX bureaus is adversely affecting my financial security and ability to engage in financial transactions. It has become clear to me that these agencies arbitrarily ( add or delete information to a person 's private records ) without the consumer ever knowing it is being done nor the reason ( s ) why it is being done. You ought to put a STOP to their shenanigans.
Product : vehicle loan I purchased my XXXX XXXX XXXX on XXXX/XXXX/XXXX for {$17000.00} Since then, aside XXXX requests for deferred payments, I have been making the monthly payments of {$430.00} up until XXXX/XXXX/XXXX. In hopes to pay off the loan faster, I started paying {$250.00} bi-weekly on XXXX/XXXX/XXXX. However, no one at XXXX seems to know whether or not my extra monthly {$60.00} gets applied to the principal or not. According to XXXX I still owe over {$2500.00}. My loan maturity date has moved from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. I spoke to call center XXXX XXXX XXXX who explained that, in spite of the loan being mature, I will still continue owing them money. 

I would like my account transactions be reviewed, and I would like to receive a written explanation as to where my extra payments went. I am confident that I have been overcharged, and the car has already been paid off. The original contract states that the total of payments ( The amount that I will have paid when all scheduled payments have been made XXXX is {$31000.00}. I have paid a total of {$33000.00} as of this writing. I would like to see that this was just an error on their part and I want the title of the vehicle as soon as possible. 
Thank you XXXX XXXX
At the beginning of XX/XX/2017 I discovered that I had become a victim of Identity Theft and someone unknown to me had used my personal information to get credit cards, medical attention and personal loans under my name from XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I immediately contacted the credit bureaus and notified them of my findings and was instructed by them to file an FTC report which I did. I sent my disputes to the credit bureaus and XXXX removed the items immediately and XXXX stated that the items are under investigation and Transunion has done nothing. 30 days have passed and I sent my SECOND request to XXXX and Transunion, XXXX stated again under investigation and Transunion has again done nothing which is why I decide to come here for help, please help me
I faxed a letter to This company last XXXX of XXXX to dispute the following : XXXX , XXXX XXXX XX/XX/XXXX, Balance {$1400.00} XXXX XXXX XXXX XXXX, Opened XXXX XX/XX/XXXX, Balance {$0.00} XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$530.00} XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1600.00} XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$550.00} XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$360.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$2000.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$5500.00} XXXX XXXX XXXXXXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1000.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4400.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1500.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$3500.00} XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$900.00} XXXX/XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1100.00} UNIVERSITY OF XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4000.00} UNIVERSITY OF XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1000.00} XXXX XXXX XXXX XXXX  XXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened Date XX/XX/XXXX, Highest Balance {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened Date XX/XX/XXXX, Highest Balance {$3500.00} As I write this letter, this incorrect/invalid accounts continues to damage my credit file and this company doesn't seem to have done anything from the XXXX of XXXX when my first correspondence was sent and received by them. This is a clear violation of FCRA. I am attaching a copy of the letter I sent them last XXXX of XXXX and a copy of the letter I sent them again, on XXXX XXXX. I do not believe that this items are supposed to be on my credit report at all. I am demanding a copy of the documents used for the verification, name and contact info of the person whom they've verified this account info. I will not tolerate their continued negligence and none compliance and I will seek legal assistance if necessary.
I was in the process of closing in my home, however somewhere in the process either my email or my agents email or even bith were hacked and I got email from the hackers pretending to be my agent and she kep receiving email from me ( neither one of us where actually sending the emails ). I received an email with instructions to wire transfer XXXX USD to an account at the XXXX XXXX Bank in XXXX, XXXX We did not realize what had happened until the closing day which was 5 day after the transfer had happened.
I paid this account to portfolio recovery from hsbc bank it was a settlement that we made, so by me making that payment it was going to be deleted and not to be on my credit reports.i been disputing it for over a year and still damaging my credit.and also hsbc bank goes and also reports the same account as ... a charge off they hsbc sold the account to XXXX and again I been disputing it over a year.also my last payment was in XXXX 2008 and do n't understand why hsbc still reporting it.. I need some help on this..
XXXX XXXX of Idaho turned me into CBI for a {$100.00} debt that I paid on XXXX/XXXX/15. They have refused to communicate with CBI that I did, in fact, pay the debt, and CBI subsequently calls me weekly, and has now falsely reported to the credit bureau that I owe the debt. I have been in communication with both the provider of services and collection agency to get this issue cleared up, and the provider of services is refusing to communicate with the collection agency.
I sold my home on XX/XX/18. Settlement for the mortgage in full was WIRED to Freedom Mortgage the same day and online it does show that the principal balance is XXXX. I have called an confirmed that there are no further payments on the loan needed. I have also confirmed that they have in escrow {$3300.00}. I have receipts that the property taxes for 2018 were paid through the title company in full in the amount of {$2200.00} ( an escrowed item ) and that obviously the insurance company will not need to be paid as the house was sold. So I am owed the full amount in escrow of {$3300.00}. I have been told that t hey will not pay me interest for the time they have held my funds. As of today,XXXX, they have not refunded me my money from escrow. I feel that because this payoff obviously was paid via wire ( the money is not in dispute ) and that all other items have been paid that my money should be released immediately or I should receive interest for the time they have my money. It is wrong for them to hold my money for no reason. I don't care if that is " their policy ''. Policy does not mean it is the right thing to do. They are making money on those funds every day and I am being denied access to my money. I can see a delay for up to 72 hours for processing but anything after that should not be allowed.
I had a medical bill with XXXX in XXXX, IN. That medical bill was paid in full on XX/XX/2014. XXXX contracted XXXX separate credit agencies to place XXXX reports on my credit. XXXX report XXXX XXXX. XXXX XXXX shows the correct amount of {$80.00} as XXXX. The second report ( XXXX XXXX XXXX XXXX shows an incorrect amount of {$220.00} as Paid. The third report ( XXXX XXXX shows an incorrect amount of {$290.00} as Paid. Attempts to contact XXXX from billing at XXXX resulted in unreturned phone calls.
XX/XX/2018. I contacted a collection agency NCC business services located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, FL XXXX The guy seemed wary about the whole conversation. But, I attempted to find out what my debt was, after already seeing it on my credit report. I knew the amount was not right. I was already on their website while on the phone and the guy told me to go to another website ( although the one I was on was clearly theirs ) to pay off the debt. I asked if I could receive a confirmation if I paid as I thought I owed and he said he couldn't do that over email. I tried to type in the account number he gave me for their website to make a payment and it said : " NCC Business services no longer handles your account. '' Yet, on the phone, he was trying to persuade me to make a payment. Overall, the experience was very sketchy. I felt inclined to report them, just in case.
I opened a Citigold checking account on XXXX/XXXX/15 with an offer stating I would receive XXXX XXXX XXXX AAdvantage miles after meeting certain criteria. When I called to set up the account I confirmed with the customer representative that the promotion would apply if I met the criteria. I then met those criteria and expected to receive the XXXX AAdvantage miles by XX/XX/XXXX ( 90 days after the end of the billing cycle in which I met the criteria ). During this time I was charged three monthly service fees of {$30.00}. Now, after opening the account with the promotion and meeting the requirements Citi has pulled a bait and switch. They have suddenly decided I do n't qualify for the offer. Now I have {$90.00} of fees and I will not be receiving the airline miles. I 'm not alone. XXXX people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.
XXXX XXXX  XXXX TransUnion and XXXX  Show different Date and year of Last Active. TransUnion Shows XX/XX/XXXX. and XXXX  Shows XX/XX/XXXX how is this possible? this is inaccurate and a violation of the FCRA and needs to be Deleted.
3 years ago I bought my house. I paid for a whole-house inspection and roof inspection and the seller increased the price by {$3000.00}. For the last several months, I 've experienced mold issues. There 's XXXX mold in the add-on room in the garage and it 's made its way up the wall into my shower. XXXX is performing mold remediation and mitigation. There 's a leak in the roof of the add-on room. There is no proper water drainage and the water just sits on top of the roof. The add-on room was poorly constructed and is not fit for water drainage. A claim has been made with my home insurance. I now have a {$1000.00} deductible and still need to get the leak fixed. My complaint is with the seller who took the time to ensure my home was painted throughout the interior of the house, as well as the exterior with a single coating of the cheapest paint he could find, covering damages and not ensuring there 's a proper permit for the add-on room as well as laughing at me and telling me to " prove it '' when I contacted him and informed him of the mold situation, advising that it is his responsibility. This seller also works with XXXX XXXX XXXX. I 'm in need of help, as I am on a very fixed income and can not afford the repairs or deductible and I seek justice. I was sick for 8 weeks and still worry for my health and wellbeing. I an seeking financial recourse from my mortgage lender, Chase.
OCWEN mortgage servicing company ( XXXX ) has been calling for over a year. I have never had a mortgage with anyone. Explained each time that the person they are looking for is not at this number, that I am not the debtor they are looking for and requested each time to have my number removed from their system. Have called their " support '' number and requested my number be removed. They continue to call daily, sometimes XXXX daily.
My loan payment has gone from {$2100.00} per month to $ {$2200.00} per month to {$2400.00} per month in a year. While mortgage rates range 3.4 % to 3.75 % my rate as gone from 3.75 % to 4.75 % in less than a year and is scheduled to go to 5.00 %. In the meantime I have applied for Home Financial Assistance and Modification based on increasing unaffordable payments as well as becoming unemployed XXXX 2016 and beginning to suffer unforeseen illness and mounting medical expense as of XXXX 2016. The bank per attached letter has denied modification options and escalated a notice of forced short sale in no more than 45 days. However as of XXXX 2016 my loan is current based on the following. per the bank they hold {$820.00} in unapplied funds and in XXXX I made payments of {$2200.00} and {$1200.00}. the combination of the unapplied funds and my payments total {$4200.00} and cover any amount considered past due as of XXXX 2016. I request bank credit and apply unapplied funds as well as my payments listed here, and acknowledge doing so, and acknowledge that as of XXXX 2016 my loan is current. I request bank cease and desist from force 45 day timeline for forced short sale because the loan is current as of XXXX 2016.
I received a credit card from XXXX XXXX. They sent the card and after I used it, they said they have to close the account because I made a large purchase. The card does NOT have a credit limit so its not like I went over my credit limit. Also, I paid the full balance in full. They are saying that since I ca n't produce tax returns and I made such a large purchase, I have to close the account. However, when I applied for the card, I told them that I just started working in XXXX XXXX. This means that my first tax return would not be produced until XXXX of this year ( XXXX ). I do not think it is fair for me to have a recently opened account being closed on my credit and causing my score to go down. I am prepared to take this complaint as far a I have to in order for justice to be served.
I am contacting you because I am exhausted after several months of trying to deal with the credit bureaus on my own. Several unknown accounts appear on my credit as well as addresses, names and addresses. I filed a police report, filed a complaint with the FTC and I filled out a fraud affidavit and sent that information into the credit bureaus and it appears my case is being over looked or no one wants to help me. 
I have tried to contact Equifax in this regard for the past XXXX months and I have not received a response after sending them certified letters that contain my disputesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Multiple issues. They are calling my wife at her phone. Ive sent letters asking for debt validation, for them to stop calling her phone, for them to cease communication with me until they verify the debt. They call multiple times a day after being told to stop. They are illegally recording calls without my consent being Im in the state of Nevada. They frequently call before XXXX and it is stressful. My infant son had been awoken several times because of this unprofessional behavior. They have completely disregarded everything that I have asked them to do. This is a summery and not all inclusive.
Upon receiving my credit report today, I noticed many bank/car dealerships had my info and I have no idea nor did I give my approval for my credit to be run not once but twice a piece in 2 days. XXXX hard inquires!! This issue has dropped my score tremendously and it needs to be taken care of. As follows Also attached photos. I have written to all places and received no response on getting it taken care or proof of reason to run my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Wells Fargo has been continuously defaming me on my credit report. First off, I lost my job in XXXX of XXXX, I did n't have any income for about 2 months. I found a job eventually around XXXX XXXX and was not making enough. I kept trying to keep up with my payments, but was struggling tremendously. I then continued my search for another job which paid me enough to pay for bills, nothing else. Eventually I decided I had no choice but to start a debt management program because I could not keep up with payments. XXXX XXXX XXXX sent proposals to all my creditors. XXXX  XXXX did not accept the first time, because they wanted a bigger amount every month, which is understandable. XXXX sent the new proposal and they accepted. XXXX accepted on the first attempt. Wells Fargo credit card, surprisingly, accepted. Well Fargo loan, however, declined the first time, asked for more every month. XXXX sent the new proposal of the amount THEY ASKED FOR, and DECLINED AGAIN. Keep in mind, this takes weeks to do. So XXXX sent ANOTHER proposal. They then said the account is too delinquent and they charged it off. I could have been paying for it right now, but instead, stalled the process so they can charge off the account. Now I have a charge off on my credit report and I can not apply for any credit cards, loans, get a job that checks my credit, anything. They then contact me asking me for money, and of course I want to pay the balance off so I send them payments. They do not correct my balance on my credit report so I filed a dispute. They then fixed the balance, add remarks to my account saying that the information is correct and I am disputing the information and I disagree. What? So now, I am furious. I XXXX about Wells Fargo saying how they are awful, and they contacted me via XXXX asking me what 's wrong. I tell them about the charge off and the remarks added to my credit report, and they tell me " they will investigate the issue ''. A couple weeks later they send me a packet explaining everything I already know. Not only that, they add MORE remarks to both my loan and credit card on my credit reports saying that I am disputing the information on my credit report and I disagree with the information after the resolution. I NEVER said that. So, I researched how to get the remarks removed and I had to call every credit reporting agency to get the remarks removed. So now, I go to the Better Business Bureau to leave a REVIEW, not a complaint, to keep customers away from Wells Fargo, so they do n't go through what I went through. Of course, I get a letter saying they have received my inquiry and will look into it. Now a week later, Wells Fargo added remarks to my accounts ONCE AGAIN saying that I am disputing information on my accounts with them. They do not stop and it is getting ridiculous. I need help from someone because they are ruining my life.
I got these loans as a XXXX kid who wanted to go to college. If Im being honest, dealing with Navient and student loans in general has soured me to college at all. It costs too much and they are loath to help if you are in a financial bind. They will not defer due to hardship and they dont communicate well. When I asked for an automatic payment to be cancelled, they didnt do it and it wasnt in the notes. My call happened to drop when I was asking for that and I was overdrafted by {$140.00}. I have kids and Im trying desperately to make enough money to pay off these loans despite my degree not helping me at all. The last lady I spoke to had an attitude and acted blas about my request for refund since they over-drafted my grocery money. After she said she wouldnt help unless they listened to the call, I just hung up. They also call me and my co-signer constantly. I had to block their number ( send it automatically to voicemail ) on my phone because they would call me upwards of 4-6 times a day. I have told them time and again that I want nothing more than to pay them off and be done with the whole thing. I want to do things right, but I didnt know what I was doing when I took the loans and dont recommend private student loans at all. Im essentially paying for what amounts to nothing and its drowning me financially.