WillisBack/dataset-financial-user-claim huggingface dataset:
I have just filed and had accepted my complaint with the DONOTCALL.GOV website. I will summarize this information for you here as I wish to also file a complaint with you for the actions taken by  PNC BANK  and its representatives.   Just as a point of information, I have NEVER EVER in my entire life done any business whatsoever under any name whatsoever with  PNC BANK  or its affiliates.   My phone number is   XXXX   XXXX   XXXX   XXXX  . I was given this phone number sometime around    XXXX   XXXX      when I moved to  XXXX , PA.   Shortly after I got this phone number, I began to get harassing phone calls from  PNC BANK  and  PNC BANK FINANC identifie d by a "  XXXX  '' area code. The caller is always looking for   XXXX   XXXX  .   I have repeatedly advised  PNC that I am not and never have be en  XXXX   XXXX . In my entire life I have never ever heard of  XXXX   XXXX .   I have also repeatedly aske d PNC to s top calling me looking for  XXXX   XXXX .   Despite all of my numerous effort s, PNC absolutely refuses to stop  calling me day after day after day, hour after hour after hour demanding to speak to  XXXX   XXXX . And they likewise refuse to accept that I am not and never ever have been  XXXX   XXXX . And  PNC adam antly refuses to accept that they are calling the wrong phone number.
My mother is in debt regarding her vehicle. " XXXX '' " XXXX XXXX '' from XXXX has called my home and cell numbers repeatedly. They have called MY NEIGHBORS to ask if they know my mother and why she is in debt over her XXXX vehicle. This is an embarrassment and violation of sharing information with a XXXX party. When I called and told them to stop, they called me back and harrassed me further to talk to my mother. I asked them for an address for his business. He refused to give it. I asked him for the phone number from which he is calling. He refused to give it. He continued to ask to speak to my mother. I stated he was in violation of law for continually calling me and for contacting XXXX party people and sharing information about my mother 's debt. When I continued to repeatedly ask for his address and phone number he hung up
Went to AAG for a reverse mortgage went through counseling {$150.00} and appraisal {$230.00} only to find out after that that I am in a flood zone less than 1 % and they do not lend on it I do not think I should have went that far and spent money I did not have only to find out it was for nothing XXXX XXXX was my contact
XXXX XXXX, XXXX, I tried to get my FREE credit report from Experian and was given the following message : We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX I sent the Request Form by US Mail on XXXX XXXX, XXXX and as of XXXX XXXX, XXXX have yet to receive my report. Attempts to contact Experian have been fruitless since they apparently provide no telephone access except to purchase a report, not to obtain the status of a requested report. The form I sent in states my request should be processed within 15 days and then mailed to me. It has not ...
I took out a installment loan with Ace cash express XXXX and I was making the monthly payments. I had on XXXX occasion called and spoke with the agent letting them know that I had to wait till my next pay date to pay my loan. The agent said that it was fine. My pay day was a week from when the payment was due. I then called to check and see the amount that was due when I came in that day. When I spoke to a lady on the phone she said that I was too late to pay a payment and that I had to pay the full amount. I told her that I did not have the full amount of the loan at that time. She told me that Either I have it all or go into default. which would entail being called and bugged at all times of day and night. Ace started calling me about XXXX times a day and sending me false emails that said that I owed about {$500.00} more than I the actually owed. I also had problems at work because they would call me multiple times at my work which untimely led to discipline at work, and finished with me being let go from that job.
I noticed a medical bill last year that showed up on all 3 of my credit bureaus in the amount of {$320.00} first opened on XX/XX/2016 by  Merchants Credit Guide. I have called several times attempting to resolve this debt because it is mine. However I was told by XXXX XXXX XXXX that the account was paid in full by my insurance XXXX XXXX. After several attempts by myself and XXXX and XXXX XXXX to resolve this issue we get No where. I have called several times myself and been on 3 way calls with the billing clerk at XXXX XXXX XXXX and Merchants to resolve the issue and Merchants Credit Guide, but they persistently say the bill was Never paid XXXX XXXX also attempted to fax them documents showing it was paid and they still refuse to remove the collection. Merchants Credit Guide customer service is very rude and demanding. I asked them to send me a form of validation and I never received it. This account is actually mine, but it's been paid by XXXX XXXX and Merchants Credit Guide still refuses to remove the collection. They have threatened to sue me in court contact the police and been harassing me with phone calls. I have prove it was paid and since they choose to not send me a form of validation I will not contact them anymore. I would really appreciate any insight or help resolving this issue. I have disputed it 3 times with No luck.
I viewed my credit report and found an error on it with a collection company XXXX XXXX saying I owe {$10000.00} in which I know nothing of and this would be some sort of error on my report. I wrote the company in XX/XX/2018 and they never responded to my dispute. This item is reported on XXXX and XXXX and is affecting my credit scores. I would really like for this error to be corrected.
I applied for and received the Citi XXXX XXXX XXXX XXXX in XXXX XXXX ( account ending XXXX ). I paid the XXXX annual fee on XXXX XXXX XXXX and was using the card, and then Citi unilaterally closed the account on XXXX XXXX XXXX. I called Citi for a refund of the fee, since I had had the card for barely XXXX months and *they* decided to close the account not me and I was summarily rejected not XXXX but XXXX. So they charged me a huge fee but made it impossible to use the card.
I am in foreclosure. My aunt XXXX was contacted by a lender ( XXXX ) who asked then convinced us that we needed to make repairs to our roof. The home was fully paid for without a mortgage at the time. My aunt who had no income could not take out a loan, so XXXX suggested that she transfer the title to me so that I could refinance. I only applied to take over the house to help my aunt get the repairs to the home. We only needed about {$15000.00} to make repairs, but when I applied I was told by XXXX the company she works with do n't do small refinancing loans and that I would have to borrow much more. She convinced me to borrow {$50000.00}. Then XXXX suggested and picked out the roofing company who charged me {$20000.00} to repair the roof. Two years later XXXX came by my home and convinced me that I needed to borrow another {$50000.00} to make more repairs that never got finished. off and on XXXX would come to my house saying that I needed to pay her {$300.00} for fees, she also came to my job and harassed me there. I used the XXXX loan to make payments to both the loans. Thanks to the HUD counselor I realize now that I was preyed upon and was a victim of a predator the just stripped the equity out of my home. The women that did the refinance was XXXX XXXX and told me she work for XXXX and she convinced me that I needed these loans. I did not know how refinancing or mortgages work so I was an easy target. 
my family has lived in the home since it was built in XXXX. This was my grandparents home, my parents home, now my home along with my aunt. I really do n't want to lose it.
we are having problems with rushcard in the last two days i think they took all of our money from us even me. There was a system update on all accounts that everyone has they told us yesterday on XXXX XXXX that we would have it up and running as soon as possible by XXXX time and it wasnt my account has a XXXX blanace wish is wrong and there was XXXX dollars left andf now there is not they have not answer us on XXXX or there phone calls i think they took everyone money they have and ran off with it this is a scam and i want my money back plus the days im losing from work with no money to help out my family at all
XXXX/XXXX/XXXX Using information provided by Federal Trade Commission XXXX XXXX XXXX, I tried to obtain my FREE Annual Credit Report from TransUnion. After completing the requested/required information I received " System Error '', " We are experiencing technical difficulties.... ". Then a screen popped up " Thank You! Mark your calendar, so you remember to come back in 12 months! '' With all the problems with hacking in the world today, I would think that someone wanting to make sure that their credit was n't being ruined could expect more than this. 

Is this also a scam, is there really a breach at XXXX, or are the " Credit People '' just trying to put another scare into law biding citizens and trying to get more money out of them by getting them to purchase XXXX XXXX, XXXX XXXX, etc. programs.
Further to my previous filing, Wells-Fargo has responded to my complaint about unfair fees by closing my account. I have sent them a reply, requesting a formal letter indicating that my account has been closed and that no further financial burden is expected of me with respect to this account. 
Wells-Fargo has removed all evidence of my checking account from the online service in a glaring attempt to cover up what they are doing. I never received any notice of their intent to close my account. Instead, my credit card provider ( not Wells-Fargo ) informed me that a scheduled monthly payment was rejected due to account closed.
The company XXXX ( AKA Deliber Services ) is reporting to the credit agencys that both companies are servicing the loan. 

Making it appear that I have XXXX loans instead of XXXX. 

My account has been " sold '' between both companies since it was opened. 

The loan terms violated FL state statue in terms of the amount of interest charged during the loan terms. A complain was filed with the Office of the Attorney General. The State of Florida has also filed a Court case pending a decision in the district court of appeals. Case # is XXXX. 

The reporting of the negative information has greatly impacted my credit score and has prevented me from obtaining a mortgage for home. 

Dealing with CashCall/Delibert services in the past has been very difficult. They have employed aggressive and intimidating tracts to service the loan.
Nelson & Kennard filed suit against me in my county without supplying validation that I requested on numerous occasions. I requested original signed contract, original signed agreement, chain of authority, proof of charged off chain of assignment. So far no evidence of any.
I disputed an account on XXXX. The account was XXXX XXXX # XXXX. It has been charged off and reported with a balance of {$480.00} Recently I disputed and now the highest balance was {$480.00}. It looks like I paid {$1.00} which completely opened the account back up. XXXX XXXX says They did not report it at {$480.00}. The credit bureau is putting in there own amount, which is unlawful reporting. This s illegal according to the FCRA. I want this account deleted off of XXXX, and Equifax. They both are reporting this account wrong. Also XXXX XXXX says this account will drop off the credit bureaus on XX/XX/XXXX Equifax says not untilXX/XX/XXXX and Transunion told me XX/XX/XXXX I am not sure why they have different dates but there both wrong. XXXX XXXX said XX/XX/XXXX. I want this account deleted. Please check into this as the credit bureaus are unlawfully reporting.
Equifax offered free credit monitoring/ID theft protection after they had a security breech. Their website gave instructions to enter your last name and SS # to see if your information was affected, then provided a date for when you should return to the website to enroll. I was given X/XX/2015 as the day I was to return to sign up. I followed the entire process, entering all the personal information required but when it came time to complete the process was unable to do so. I have called the Equifax call center twice, most recently this morning. I was told the only way to enroll was to go through the website, they suggested I try in the very early or very late hours of the day to enroll. This morning the woman I spoke to gave me the same response after I told her I had already made unsuccessful attempts. She stated there was nothing else she could do I just had to keep trying. I asked for a supervisor, was placed on hold for 35 minutes, the same woman came back on the line and gave me another number to call. I was never given the opportunity to speak with a supervisor and the number I was instructed to call has an eternal busy signal. I did everything Equifax asked me to do in order to be enrolled in their program. I started the process over a week ago, it is unreasonable to be expected to wait for protection indefinitely for a breech in security they are responsible for. I have no evidence to provide as the only way you can communicate with them is over the phone or via their website. Conveniently for them it does n't leave a record of communication with the company.
PennyMac Loss Drafts Claims is holding all of the money to get our home repaired after a mold remediation claim with our home insurance company that has already been settled. All funds have been received and kept by PennyMac since the beginning of XX/XX/XXXX. During this time, we have placed most of our home furnishings in storage and begun moving our pets and ourselves into a small travel trailer n the driveway. These extra out of pocket expenses that would not have been incurred otherwise are adding up. Between XXXX and XX/XX/XXXX, after having submitted all required documents by the contractor they are still misplacing documents and asking for them by phone. Yesterday ( XX/XX/XXXX ) XXXX called asking me for a form for the mold remediation contractor who was finished last year after all of his company 's documents were accepted. After some discussion XXXX was able to find the document in question. What's next? This is not the first time I have received a call asking for documents they already have. It seems they are not capable of keeping and maintaining important documents/records. This concerns me more than you can imagine. I have done everything I'm supposed to do and submitted every document they require and still they have delayed the process yet again. How are we ever going to get our home repaired if we can't pay a contractor? Can they legally keep the money from the settlement? I have never missed a mortgage payment or been late. I am a law abiding, working class man and I've done everything right. I have never felt so powerless and hopeless.
I recently pulled my credit and noticed that medical data systems was reporting on my credit report. I have never been contacted by mail or phone regarding this account, And it's a HIppa violation for medical providers to sell my information to 3rd parties.
This company Penn Credit Corp is calling me multiple times a day from multiple States with different phone numbers trying to collect a debt for XXXX XXXX who has been informed multiple times ( Police report, FTC Report etc. ) that the account is the result of ID Theft and is therefore XXXX XXXX is in violation of FTC Rule 605B.
I have written letters in which they claim they have not received. I have requested investigation because I know these accounts are not mine but to no avail. Transunion reports 14 loans. I spoke with XXXX who claims they did not double report and that I only have 7 loans in the system and they have no clue why these accounts are there yet Transunion shows they recently reported these accounts as of XX/XX/2018. XXXX did however send me proof of what they have in the system which drastically differs from Transunion.
I have a total of XXXX inquiries on my credit report, but I do not know what 3 of them are.
Barclay 's Bank Delaware - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
I BANK FINANCED A CAR AT A CAR LOT CAR HAD PAPER TAGS PAPER TAGS EXPIRED SO I WENT BACK TO LOT TO GET PLATES TO FIND CAR LOT HAD GONE OUT OF BUSINESS THE NEW OWNERS GAVE ME OLD OWNERS NUMBER I CALLED HIM HE TOLD ME TO CONTACT BANK AND THEY WOULD GET ME PLATES WHEN I CONTACTED BANK THEY HAD NO IDEA LOT HAD GONE OUT OF BUSINESS AND STATED THEY WOULD OBTAIN TITLE AND PLATES FOR ME THAT WAS XXXX 2016 AND STILL AS OF TODAY I DO NOT HAVE TAGS FOR THE CAR SO I CANT DRIVE THE CAR OF PURCHASED XXXX/XXXX/16 BECAUSE THE BANK CAME BACK AND STATED THE CAR LOT NEVER COMPLETED THE TRANSFER OF TITLE FROM THE PREVIOUS PLACE THEY HAD GOTTEN THE CAR FROM SO THEY SOLD ME A CAR THEY DID NOT HAVE POSSESSION OF. IVE BEEN CATCHING THE BUS XXXX AND PAYING FRIENDS AND FAMILY TO TAKE ME HERE AND THERE AND BACK AND FORTH TO WORK MY CHILDREN HAVE BEEN LATE FOR SCHOOL ON NUMEROUS OCCASIONS AND ME AT WORK HOWEVER IM STILL MAINTAINING INSURANCE ON THE
XXXX 2010 I co sign for my son s car payments have been made till toda y XXXX more payments are due to paid off the loan today I received a notice that my credit score has drop by XXXX? points the loan is up today allied fin I think is out of control or the people they employee. Thanks XXXX
Bayview Loan Servicing , LLC has stolen my identity they are stating that I have a mortgage loan out with them since XX/XX/XXXX. They have not submitted a collateral accounting as I requested and they have not replied to a QWR that I have submitted to them certified mail XX/XX/XXXX. They are fraudulently trying to debt collect on a purported mortgage loan. They need to remove themselves from my credit report ASAP and they need to STOP sending me fraudulent paperwork. I expect you THE CFPB to handle this as they are still harassing me with fraudulent paperwork. I will be filing a complaint with the SEC .GOV as  well! This purported debt was rescinded and closed out by XXXX  XXXX XXXX a/k/a XXXX.
This complaint is 2 fold. 
1 ) I have been getting getting notices from Shellpoint Mortgage Servicing stating that I am 3 months behind on paying my mortgage. The payment has been automatically deducted from my checking account every month at the same time. 
This has negatively affected my credit. 
2 ) I have provided insurance coverage for my properties on several occasions, my XXXX agent has also sent them the cover sheet. Shellpoint continues to state that they do not have evidence of insurance and is charging me {$620.00} for each of my XXXX properties. My insurance from Farmer 's is {$820.00} for all XXXX properties per year.
I closed an account more than 5 months ago but Citibank has refused to refund the amount that was in the account. I have talked to Citibank customer care representatives and visited a branch ( located on XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ) more than 5 times each. Every time I call customer care, I am told to visit a branch for resolution, but when I visit a branch ( at above address ), I am told to wait for a check in the mail. The following are some of the people that I have talked to and gave me assurances that my issue will be resolved at the branch mentioned above. * XXXX XXXX XXXX *  XXXX XXXX * XXXX XXXX
I CA N'T PAY THE DEBT BECAUSE I WAS UNEMPLOYED AND COULD NOT PAY THE DEBT WITH MY UNEMPLOYMENT BENEFITS. I WAS NOT PAID BY TOYOTA MOTOR CORPORATION ( THEY/THEM ) THE RECALL MONIES EITHER AS I WAS TOLD THE CLASSACTION LETTER THAT THEY SENT ME AFTER I CALLED AND WROTE TO THEM.
When I applied for the XXXX XXXX card ( used to be " XXXX  '' ) in XX/XX/XXXX, the welcome offer was XXXX XXXX points plus a free weekend night award after 1st card anniversary ( a similar offer attached ). I met the spend requirement in time and got XXXX  points, no issue, but after I paid for the annual fee in XX/XX/XXXX, I never receive the free night award ... Since then, several attempts have been made to confirm the welcome offer and claim that anniversary award, but I was told that AMEX can no longer retrieve any info about my welcome offer and can not confirm it ... After that, the only answer to me is to wait, wait and wait 4-6 weeks for investigation until now it's almost XXXX.
I applied for a refinance and it was consistently mishandled by the loan processor XXXX XXXX. When i applied for the loan with the loan officer XXXX XXXX he called customer service to stop my automatic payments that were being directly debited from my checking account. He gave me a closing date in XXXX. I was told that i would not make a mortgage payment for XXXX or XXXX and in XXXX my auto drafts would be turned back on by customer service. I was not notified of a closing date change. I was concerned because I did n't receive any closing information. On XXXX XXXX i emailed XXXX XXXX to ask what the status was she told me my new processor was XXXX XXXX. She forwarded my email to her. A week later she emailed me after my propose closing date and told me to make payments until i get closing documents in the mail. XXXX XXXX I contacted her asked for the status she told me my closing date was XXXX XXXX and not to pay XXXX mortgage it was already factored into the loan. She never contacted me to give me my new closing date. I informed her i already paid that month she advised my choices were to have my bank return the payment or they could return it after closing. I had the bank pull the payment back. I went To closing on the XXXX as planned. On XXXX XXXX they called and told me the loan was disapproved because i had a 30 day late on my account because my payment was returned. I would not have pulled they payment back if she did n't give me the option. I should n't have been given a 30 day late i closed before the payment was 30 days past due. She also told me the XXXX mortgage payment was already factored into the loan for the refinance.
I am getting daily call collection calls from an unknown collector at ( XXXX ) XXXX. The collector refers to an alleged medical debt of {$310.00}. This medical medical claim has been paid to the hospital by my insurance company. However, the collector falsely states that the check was sent to me. However, the collector refuses to provide me with a documentary evidence to support this statement.
Dear Sir/Madam, I am writing in hopes to resolve a particular dispute with Scottrade Bank and their affiliates collectively referred to as Scottrade. 

Scottrade maintains that I should file arbitration against them for the purposes of resolving a customer dispute, however, neither Scottrade Bank nor Scottrade Brokerage have confirmed the existence of a valid arbitration agreement and has refused to answer any of my inquiries for details. 

I am writing this letter to address a very specific issue. Specifically, I would like a copy of the full " consumer contracts '' that were formerly signed in order to open a Scottrade Bank and Scottrade Brokerage account. 

Please be advised that I previously requested this information from Scottrade Bank and Scottrade Brokerage but was not supplied with an original account agreement. I signed up for the accounts XX/XX/XXXX, however, Scottrade Bank and Scottrade Brokerage provided me with an unsigned copy of a " consumer contract '' that had numerous revisions from the XX/XX/XXXX version of the contract. 

The contracts Scottrade Bank and Scottrade Brokerage use have " tracking numbers '' in the bottom left margin of the page that indicate the year and date. Therefore, I am kindly requesting Scottrade Bank and Scottrade Brokerage provide me with the corresponding and original XXXX version of the sign contract and not a XX/XX/XXXX version that is materially different. 

Sincerely Yours, XXXX XXXX XXXX