WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX , XXXX and XXXX XXXX, XXXX are the same companies based on my research. However, this company is violating my privacy rights, infringing on my right of refusal, and calling me excessively and repeatedly for collection on the part of PNC Bank of Maryland. This collection is result of a repossessed car a XXXX XXXX XXXX. 

I purchased the car from XXXX XXXX XXXX  XXXX XXXX during the month of XX/XX/XXXX. Initially, the phone calls came from a unknown number. However, after I retrieved the voice mail I realized it was an employee of XXXX XXXX and XXXX XXXX, XXXX, which is the same company soliciting monies for the car. After the car was repossessed PNC Bank never notified me about the sale of the car, the amount it sold for, or whether or not I would have any residual monetary cost associated with the sale. 

My efforts to resolve, get information, and how important this was to my credit rating is an essential cause for this complaint. PNC Bank purposely and quite possibility exposed me to unfair loan practices used by XXXX XXXX   XXXX XXXX for the purchase of my car. 

For the record, I shouldn't have been approved for the car based on the following metrics : 1. As a new first time buyer with little to No credit or credit history.

2. PNC Bank worked directly in consultation with PNC Bank and it's history of using unfair tactics on minorities for the sole purpose to undermine, take advantage of, and possibility ruin their credit rating and histories. It has been documented as far back to XXXX. 

3. At the time of my purchase I wasn't employed long enough for such a price tag of nearly and over {$20000.00} dollars for a car which would have caused me great harm and distress. However, XXXX XXXX  XXXX XXXX XXXX sought to find a lender who was willing to approve this loan. 

4. PNC and XXXX are both causing me great distress and distrust for the outcome of this loan. 

5. XXXX XXXX have been calling me repeatedly threaten me with ruining my credit and asking for payments of the total amount of the car value of which PNC Bank should be totally responsible for at this moment. 

6. PNC Bank had a fiduciary responsibility to sell the vehicle for the highest possible price to offset the loan of which they approved of which based on the evidence and ability to pay should have never been approved. BUT IT WAS. 

Finally, I have asked XXXX XXXX to stop harassing me, calling me excessively, and attempting to blackmail me through ruining my credit and harm me financially.
Dear CFPB official. 
I opened Citibank account package with the advertised bonus of {$400.00} ( Promo ID : XXXX ; attached ). I opened the account on XX/XX/2018 using Citibank personal banker at the XXXX, XXXX XXXX branch and completed the required deposit ( {$15000.00} ) on XX/XX/2018. I maintained the minimum balance of {$15000.00} for more than 60 calendar days ( XX/XX/2018 ) following the date of the deposit. According to T & Cs, I should have received the bonus within 90 days ( XX/XX/2018 ) of meeting the requirements. However, I didn't receive the bonus. I personally visited the XXXX XXXX XXXX branch and the personal banker told me that he can see that all the requirements were met and I should have received the bonus. Two weeks passed and I didn't received the bonus. I went to branch again, and the personal banker again confirmed that I met the requirements and to resolve it he raised a request with back office and asked me to give it 6 working days. After 6 working days, when I didn't receive the bonus, I went to branch again and the personal banker mentioned that he has forwarded all the details to the branch manager who has the power to resolve the matter and post the bonus within 2 days. That visit was on XX/XX/2018 and I still haven't received the bonus yet. I hope to get this matter resolved as soon as possible. I hope CFPB can help me in this matter. 

Your 's sincerely,
I pursued getting an " undocumented '' personal loan for $ XXXX on XX/XX/XXXX to get my company through XXXX 's day and was deceived by the loan officer, XXXX XXXX at the XXXX, IL PNC Branch, knowing that time was critical to get this loan approved and done well before the end of the month. Not only did I not get approved for this " slam dunk '' loan, it also cost me my XXXX XXXX dollar company dissolved on XX/XX/XXXX. Please see the attachments for full disclosure of what happened.
On XX/XX/XXXX I pulled my credit report for my self and my wife and noticed that incorrect information was being reported for the month of XX/XX/XXXX and no information was being reported for the month of XXXX. I faxed over a request to have this information investigated and was contacted by a XXXX in the customer care and recovery group. Who advised me that he would be handling the problem and had opened a ticket # XXXX. On XX/XX/XXXX I reached out to XXXX XXXX to get a status on the incorrect information being report on my report and my wife 's report. I also advised him that this inaccurate information being reported is impacting our family. I explained to him that I had pulled all three of our reports and the XXXX information was reporting incorrect and XXXX was reporting no information at all. I emailed him a copy of the report for him to pass on to the department that was conducting the investigation. On XX/XX/XXXX. I contacted my XXXX and spoke with him. I was advised that his team had finished the investigation and they had determined that they are reporting the correct information to all three reporting agency. I explained him that I was looking at my most current report live and the information had not changed. I asked what method was used to validate and verify the information with all three agency. I was advised that they did not contact the credit reporting or send a refresh/update they just used an internal process. They just looked at a screen internal and verified that I what they had in there system was correct. I asked to be speak with a supervisor and or manager and was told that it was not necessary. I was finally transferred to a XXXX XXXX XXXX in the customer care recovery group who told me that it's not XXXX XXXX 's responsibility to ensure accurete information is being reported to the credit report agency and that he was closing the ticket and did not care that I would filing a complaint with the CFPB and my local State Attorney Generals office. I asked to please speak with his direct manager to try and resolve this problem before I moved forward with my actions and I was told that he " did not care '' and " I am denying you from speaking to my direct report, I don't see the need '' I have customer since XXXX and I have never been spoken in such a unprofessional manner by these two individuals.
I have been the victim of identity theft and have made Transunion aware of this problem. Transunion has been very nasty and made remarks disrespectful to my race inquiring that my people always do this. They have hung up the phone on me numerous times. I have sent in prove of identity theft and asking for inquiries to be removed from my credit report that are unauthorized. They said consumers have a right to report information rather I authorized them or not. They make it hard for certain people to get information removed from their credit report. They removed the student loans due to the company admitting that they were indeed not my accounts and belonging to someone else with a similar name. They removed the accounts then added them back. I will be filing a lawsuit along with a group of people who also have the same issues. Transunion makes it harder for certain groups of people for reasons that are unlawful.
I had a mortgage loan through XXXX Mortgage where the payments went up due to increased taxes and insurance. I got new cheaper insurance which was to be paid through my escrow balance, it never was. This caused my insurance to expire without my knowledge due to the notices being sent to the mortgage company. I was notified too late and had to purchase more expensive insurance myself. After this occurred XXXX was investigating there error for me. Before the investigation was completed they sold my loan to Loancare a XXXX XXXX. After 3 months with Loancare they conducted a escrow analysis and increased my payments from {$810.00} per month to {$920.00} per month. I called to ask about this and they stated my escrow account was negative {$1200.00} which needed to be paid back plus {$800.00} which was to remain in the account at all times. This comes to {$2000.00}. After I broke down my payments from the information on my account out of the {$920.00} only {$440.00} was going to principle and interest and {$470.00} per month was going to escrow. This comes out to me paying {$5600.00} in escrow per year. When I called Loancare 's customer service I spoke with XXXX ID number XXXX who told me I owed {$2000.00} in escrow and that 's why the payments were so high. After I explained the breakdown to XXXX she stated that I did not know all the in 's and out 's of escrow and that 's why I do n't understand the gross over payment. When I asked if I could speak to someone who could explain this to me she stated there was no one else to talk to. XXXX then told me she had already explained everything to me. When I asked for a supervisor she stated he was not available and I would have to leave him a message. I left a message and could not understand the name on the recording. The supervisor has yet to return my call.
In 2013 I had an appointment with XXXX XXXX in XXXX for a problem with XXXX XXXX. The ad I responded to stated that is not successful there would be no cost. 
I received an XXXX that did not satisfy my problem. My problem was I signed a contract expecting good things to come from this treatment. I was presented the contract and was told this was nothing to be concerned about, just part of the process. I also told the interviewer that I would be eligible for Medicare in a few months and was covered by XXXX. The interviewer ( XXXX ) told me XXXX paid good. I made the mistake and gave him my Care Credit card showing my good faith. I received a call from Care Credit a few days later ( taken by my Wife ) asking If I was sure I wanted to continue with this account. At this time I felt I would receive XXXX. I was given XXXX XXXX to take home and use, but never got any positive response. I aske for a refund in cost paid. They asked me to make another appointment. I do not trust the clinic and fear for my health is I went back.
This is a debt/judgment that I owe and I am trying to pay ( that was not an option for me to choose on the previous page ).   On  X/X/17    I tried to pay a collection agency  XXXX   XXXX   XXXX  of what I owe from credit card from Barclays bank. I used their website to enter my checking account information. I received a receipt that I made the payment. A week passed and the collections agency did not take the money from my checking account. I called the  XXXX   XXXX   XXXX  to tell them that the money was still in my account and a representative told me that it was ok it took time for the funds to be removed. Another week passed and the funds are still in my checking account. I called again and another rep. told me they received word they could not find my account that is why they could not retrieve the funds. So I asked this Representative that I can pay the debt now and they told me no because my account is closed. The told me I had to cont act Barclays. I called Barclays to see if  could pay them and they told me no too because my account was closed.  XXXX   XXXX   XXXX  told me they would have to ask Barclays for permission to open the account so I can pay my debt. As of today,  X/XX/17    I still can not pay them and I feel like they are playing a game with me. I have never heard of a credit card or collections company that would not take a payment. I am trying to rectify this because I am in in the process of trying to purchase my first home and the judgment has to be off of my credit report.   Also, my credit report says money due is {$2300.00} but  XXXX    XXXX    XXXX  says I owe {$2600.00} that I have been trying to pay. Is that legal they are charging me more?   All I want is to rectify this, pay what I owe so it can be taking off of my credit report. Can you help me?
XXXX has been non-compliant with removing the unverified account XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that XXXX XXXX was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I disputed a fraudulent charge on my XXXX report but they investigated and said i should be financially responsible for the fraudulent charges. i strongly disagree. I live in a city with one source for energy and power which is XXXX XXXX. i have recieved my energy and power from this company since XX/XX/XXXXto the present XXXX. I could not have received service from the company the charges stem from if i wanted to. i live within the city limits and the towns utility company pretty much has a monopoly as the source of energy for all of its residents. After XXXX ruled against me, XXXX then followed XXXX XXXX lead I then sought to send XXXX information proving that I never requested XXXX XXXX services i am being fraudulently being charged for nor have i ever lived at the fraudulent address associated with the charges. I have been unable to check the status and walk through the steps to upload said proof and am running out of time. I have 17 more days but I am presently locked out of access to XXXX to dispute the charges listed below. 
Bull City Financial Solutions is charging me {$1000.00}. The original creditor is XXXX XXXX date opened is XX/XX/XXXX First reported in XX/XX/XXXX for collections
I have a rental property in XXXX, Georgia. I paid invoices for XXXX XXXX XXXX XXXX  online. The final invoice was paid X/XX/2017 in the amount of {$68.00}. I spoke with a rep regarding the late fee. I was informed to ignore the last fee. It would be removed once the payment was processed. 

Instead of processing the payment, XXXX XXXX XXXX XXXX submitted the invoice to a collection agency. A past due balance was reported on my credit report by LANIER COLLECTION AGENCY. I have received no communication from this company. 

As of today, XXXX XXXX XXXX closed my online account ; therefore, I am unable to provide a copy of the online payment that was submitted.
My bill was never the right amount for each month, it steady kept going up rather than the amount I signed up for. 
XXXX : XX/XX/XXXX-XX/XX/XXXX XXXX XX/XX/XXXX-XX/XX/XXXX I  'm on an fixed income and i 'm not able to pay the balance. I keep getting harasst from these two phone companies on a daily basis. 
I was told that my bill would n't be on my credit but it did. 

here is the address from the debt collectors AMSHERCOLLECTIONSERVICES XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX ( XXXX )
I talked with the benefits provider of my company to change the contact address to my current address. They did this and I received a letter from Vanguard stating this. 
Then on Thursday XX/XX/2018 I received a letter stating that my new address was my old adress ( it was showing my XXXX XXXX. as my " new '' address, with my current address of XXXX XXXX XXXX. as my " old '' address.

On XX/XX/2018 I called Vanguard and attempted to have them fix the problem. They said several times that I have to talk to my benefits provider in my company. I told them that I did, and that they correctly changed my address to XXXX XXXX XXXX.

I believe Vanguard does not know or care about my problem. I am unable to access plan changes or paper mail that they send me because they still think I live at XXXX XXXX.
I am trying to refinance my house and found a judgement against me by chase on a credit card XX/XX/XXXX. I did further investigating and found that chase had settled with the federal government and agreed to cease collecting debt on accounts XX/XX/XXXX. im not good with the legal language, but it says that they can not collect or enforce any judgement made during that time. I never received anything informing me of the settlement. I called and tried to get them to remove the judgement against my property and they said they would only remove it if i paid 100 percent of the balance i owed them. From what ive read, can they still try to collect on this debt and continue to enforce this judgement against me.
On XXXX XXXX, XXXX, I discovered a XXXX account ending in XXXX had been re-inserted into my credit file for a XXXX TIME. This debt was XXXX deleted XXXX under the debt collector XXXX XXXX. It was deleted again under Receivables XXXX XXXX. Now this debt has resurfaced again on my credit report under XXXX XXXX XXXX. Neither XXXX nor TransUnion has notified me within the required five ( 5 ) days of re-inserting this twice deleted item. 

According to the Fair Reporting Credit Act, my rights were violated because I did not receive any such notification. Please delete this item immediately.
As on all XXXX of my credit bureaus XXXX has filed inaccurate information on me, they refuse to remove it but underBy its very name, the Fair and Accurate Credit Transactions Act places new emphasis on accuracy of information in consumer reports. Two FACTA sections aim to improve the accuracy and integrity of information as well as give consumers a new right to dispute data included in reports directly with the company that furnished it. These sections are : Accuracy guidelines for financial institutions and creditors that furnish information to credit bureaus. ( FACTA 312 ( a ), FCRA 623 ( e ) ( 1 ) ). 
Ability of consumers to dispute information with companies that report to credit bureaus. ( FACTA 312 ( c ), FCRA 623 ( a ) ( 8 ) ). This information has to be removed or I am going to sue XXXX for false inaccurate information. This needs to be done ASAP
Approx XXXX I had an account with XXXX XXXX, which ended when the cell company refused to show me reasoning for the amount claimed owed approx. {$750.00}. I specifically ask for dates, reasoning for the extra charges, why we were being charged the extra fee 's, who authorized any additional plans, etc ... XXXX responded back stating the account had been turned over to a collections agency. We immediately contacted the collections agency requesting the same intel as with XXXX. The collector replied stating they were unable obtain the intel we were requesting, but demanding to be paid. So we refused to pay the amount of the debt we simply did NOT owe, but simply offered to pay what they could prove we owed ... I admit we owe them money, but only XXXX of what they claimed. Now, 5 years later, we have a different collector requesting to be paid, but each time, with each collector, the amount keeps growing ... Now, the bill has grown to {$1000.00} but offering if we pay in full, they 'll reduce it to {$530.00} and show on our credit report " AGAIN '' as a debt write-off ... Which I 'm sure they will sell that amount to a different collector ... How can our XXXX allow for the credit companies to keep selling and re-selling, and re-selling, and keep re-selling a debt and keep putting it on your credit report without having to show how or why you owe the amount claimed ...? Any help is greatly appreciated ... Many thanks,
I previously disputed this debt with   XXXX   XXXX   on   XXXX   XXXX   via certified letter to the Credit Bureau and   XXXX   XXXX  . I received the letters from  XXXX  and  XXXX  that this debt was DELETED! Now ERC which is another collection agency has sent me a letter saying I have 30 days to respond to the same DEBT THAT WAS DELETED!
I started a Payday loan with XXXX that was then switched to BigPictureLoans.com. The loans was initiated on XXXX XXXX, 2016 and the funds were receveid on XXXX XXXX, 2016. The loans was for {$1000.00} and I expected to pay a Finance Charge of {$350.00} which would be paid back in 3 Payments of {$350.00} and 1 payment of {$300.00}. The repayments were schduled to begin on XX/XX/2016 and continue every two weeks. When the fourth payment was pulled on XXXX XXXX for another {$350.00} and not {$300.00}, I contacted the lender who then informed me the loan was actually at an 887.9671 % APR with a total finance charge of {$8900.00}. I told them I had only agreed to a total finance charge of {$350.00}. I also let them know I had checked with the Maryland Commissioner of Financial Regulation and the Small Loan Rate Cap for MD is 2.75 % per month or 33 % per year basically making their loan illegal. I then requested the return the extra {$50.00} that was pulled on the last payment and requested they show the loan as Paid In Full. I then let them know they had 48 hours to meet my request or I would go to the Commissioner. I also let them know, no other ACH withdrawals would be allowed from the account to pay for the loan.
On X/XX/2017 I filed a complaint against Cap One for illegally reporting an account to my credit. The CFPB # was XXXX. On XXXX XXXX XXXX Cap One admitted they were at fault and sent me a letter ( attached ) saying so and that they would no longer do anything with it and remove it from reporting due to their incorrect reporting. I just checked my credit again and it is still there. They need to follow through and do what they are supposed to ASAP AND DELETE IT FROM ALL BUREAUS!
I was never contacted concerning this account and have no knowledge of this collection agency. In some cases disputes were added years after dates of service. I assumed it was paid by insurance after years of not hearing any information about these accounts. Had I known I would have paid this debt.
I noticed that there was a new collection account on my credit report and when I went through the information I noticed this was not actually a new collection account but an account that was transferred to a new collection company. The company is Stellar Recovery and the original creditor is   XXXX   XXXX  . The amount is {$460.00}. This debt had previously been reported by   XXXX   XXXX   starting in  XX/XX/XXXX . Stellar Recovery is reporting this as a new collection. I contacted Stellar on Monday  XX/XX/XXXX  in order to have them fix this information and they said because they just received this account it is a new collection. I contacted   XXXX   and  XXXX  on  XX/XX/XXXX to have them look into this information and they told me they could not help me. On  XX/XX/XXXX  I contacted the CFPB and they told me to file a complaint. I feel that this is an attempt to reage this account as the account numbers were also changed and it is being reflected on my credit report as a new account even though this debt had been previously reported on my credit report through another company. I need help with this and having this information corrected as my credit report dropped  XXXX  points for this account and wrong information.
I checked my credit report and found a bankruptcy on the credit bureaus reporting. I called the bankruptcy court to inquire if the bankruptcy court reported the alleged item. The court said they do not call, fax, mail, give out, or report any court information to any credit bureaus. Thus according to FCRA any negative information must be verified accurately. Please remove the alleged bankruptcy item from my credit report.
My mortgage lender is claiming I owe considerably more than I believe I actually owe. They can not document the additional charges they claim I owe. I do owe something, but they are grossly overstating the amount. The spreadsheet they provide to document the amount ( s ) due has an arrearage column that makes no sense. 
Additionally on numerous occasions, I have requested the lender to send me copies of the original loan documents with my signature and my husband 's signature to verify amounts due. They can not produce these documents.