WillisBack/dataset-financial-user-claim huggingface dataset:
I 'm XXXX and require special accommodations. On XXXX at approximately XXXX, I walked into PNC Banking Institute located at XXXX, Washington , DC . I needed to withdraw XXXX dollars out of my checking account and follow-up with transactions made with my debit card on XXXX. In the process of conducting business at the Teller 's window, XXXX walked up to the right of the Teller 's window, while I was counting a couple of thousands and starting yelling " That 's Enough '', " Stop Her '', " Do Not Help Her '', " She Needs to Move, There Are Other Customers in Line '', with XXXX standing to the left of me at the Teller 's window. 
I asked XXXX XXXX if her staff could step back from the Teller 's window while I continue to count my money. Both women employed with PNC Banking Institute refused to honor my request to back away from the Teller 's window for my privacy. After counting XXXX dollars in all twenties, I needed to check on my pending transaction made on XXXX. I requested to file a complaint with their corporate office because those women made me feel so uncomfortable. 
XXXX would n't contact customer service until 60 minutes later ( XXXX/Sales Service Manager, XXXX, Washington, DC XXXX, Washington, DC XXXX ). Those women were so unprofessional and they are in serious need of training.
i have filed several disputes with Experian dealing with a few accounts. i have sent proof that the information is not reporting correctly, yet they send automated letters saying it updated and verified. it can not be verified as it still reports incorrectly. i have asked for information on how the investigation took place and what info did they have to prove that the information is correct. On XX/XX/XXXX they received the first dispute asking to investigate along with PROOF. they responded that the information was updated, however it was NOT. on XX/XX/XXXX i sent a re-investigation letter asking for details of how the proved the account they did not send any information but claimed it was verified. they did not aknowledge any letter i sent. XXXX XXXX  has admitted that they do not have any information to validate that I am truly liable to a debt, yet Experian says they have it and will not send to validate the debt.
I CHECKED MY CREDIT REPORT AND IT SHOWED 5 FRADULENT ACCOUNT FROM XXXX XXXX XXXX THE ORIGINAL CREDITOR IS XXXX XXXX XXXX XXXX I EVER BEEN THERE DONT DO BUSINESS WITH THE I EVER GAVE EVERYONE CONSENT TO USE MY NAME AT ANY OF THESE COMPANIES. I HAVE ATTACHED MY POLICE REPORT. 

THE OTHER FRAUDULENT ACCOUNTS ARE ( XXXX XXXX, XXXX XXXX, XXXX, ) THAT WAS REPORT TO ALL 3 CREDIT BUREAUS.
XX/XX/2016, I applied online for a refinance with Wells Fargo Mortgage. Documents requested were submitted through the online portal. I was requesting some cash out to satisfy another loan as well, so the total amount requested was around {$110000.00}. As I monitored my application online, I noticed that the amount requested increased to {$110000.00}. I emailed the contact I was given, and inquired as to why the increase, since I had not requested it. I was told that amount would consolidate all my mortgage debt. All documents required for a decision were submitted, and I received a conditional commitment letter for {$110000.00} ( please see attachment ). I also paid for an appraisal. After the appraisal was received, I was told that it came in too low, so consolidation was not possible. I asked about a refinance to a lower interest rate with no cash out or a HARP loan, and I was told that was not possible either, since I had a home equity loan. I then asked why was the loan a home equity, but got no answers. I received no copies of loan documents, nor have I received a final denial or approval letter. All documents that I submitted online have been deleted.
This compliant is in regards to two late payments lodged on my credit report, via Continental Finance, the servicer of my XXXX XXXX, issued by XXXX XXXX XXXX XXXX XXXX XXXX, this company is falsely reporting two late payments on my credit file and not updating my credit report accurately and in a timely manner. In addition, this company is charging me an adsorbent amount on late fees and high interest on this account. This company has reported my account late to the credit bureaus on two occasions and refuse to remove this false information for XX/XX/XXXX and XX/XX/2016. I have been in good standing with this company and continue to pay my debt obligations in a timely manner ; I always pay multiple payments, averaging three times a month, outside the parameters of my monthly billing statement, so how could my account ever become delinquent, or past due, the probability is very highly unlikely. Please have this company remove the false entry immediately.
On XX/XX/2018, XXXX XXXX. pulled my credit report without my permission. I tried and tried to resolve this issue with TransUnion and XXXX XXXX. but they are blaming each other but not resolving the issue of removing the inquiry. The dealership also tried to reach out to them about this unauthorized inquiry but they never responded. Attached is a copy of the letter from the dealership stating that the unauthorized inquiry is done without my permission. They allowed one of my family member fill out a application with my name, social security number and date of birth without my authorization and Driver License.
XXXX  is reporting false information on my credit report. We have submitted 3 times now all documentation proving this to be true and accurate beyond refutable information at this current time. Here are the exact accounts they claim I have not submitted. XXXX Acct. # XXXX. Acct. # XXXX.. XXXX/XXXX Acct. # XXXX.. All three of these accounts were paid in full and came out of my checking account XXXX ending ... .XXXX. I will be submitting bank statements as well.
After reviewing my annual credit report, I realized I had not closed my account with Macy 's. On XXXX XXXX I mailed them a letter requesting Macy 's close my account. I was only able to supply them with the parcial account number supplied on my credit report. On XXXX XXXX I received a letter from Macy 's in response to my closure request. They were unable to close my account with the information provided. I do not know my full account number and would like to have this account closed.
My loans are being serviced by the Great Lakes, and I believe there are several UDAAP issues. 

First of all, the website claims that the payments will go towards interest first, and then towards the principal balance of the loan with the highest interest rate. I have the screenshots of that language that I have provided. However, this is not the case. My payments have been allocated towards all loans, including the ones with the lower interest rate, resulting in higher interest earned on my loans. The website has recently introduced a feature that allowed the customers to choose which loan they would like to allocate their payments to. However, even though I have chosen specifically the loan with the highest interest rate, my payments have still allocated towards all loans. 

The second issue I found was with the payoff amount. When looking at the payoff amount on the website, the amount I was quoted was {$12000.00} as of XX/XX/2016. However, including the interest earned through XX/XX/2016, my total payoff amount should only be {$12000.00}. The quote includes an additional 10 days of interest that I should not have to pay if I were to pay off the loan on that date. The amount is overstated in a deceptive manner. I have included the payoff quote print out for your review, as well as a print out of my accounts, interest rates, and balances for each of my loans. 

When I contacted the customer service regarding these issues, my disputes were not addressed properly, as I was simply given the same information that was provided on the website regarding the allocation of payments, that did not match what was actually happening with my account. 

Thank you for your attention to this matter.
I am a long-time holder of a Chase Premier Visa Signature credit card which provides Southwest Rapid Rewards based on charges made. I work out-of-town and use the card frequently. At least once a week I pay all charges, including pending charges, online. This has worked well for years. Recently when checking my credit card account online I noticed a " credit balance refund '' in the amount of {$430.00}. I called to learn what this was and was adivsed it was a refund for a payment in advance of charges hitting my account. I explained the charges were shown on the account as pending and that this had never happened before. I was further told that the refund had been made by paper check and sent to my address of record. I asked that the check be cancelled and the refund credited to the account for which there were open charges in excess of the credit amount. I further explained I was working out of state for an extended period of time. I was told this could not be done. I then asked why the refund was not made electronically since that is how all my payments are made and was told a paper check in the mail was more secure than an electronic payment. Of course, this is not true. Again, I explained that I am working out of state and do n't know when I will next be able to get the check. I was told it is good for 90 days and can then be reissued. I asked why this change in practice had been made and was told it was a requirement of Southwest Airlines. Of course this is not true ; the card is from Chase which offers the Southwest rewards as an incentive to use their card. Having gained no saisfaction by phone, I personally visited a Chase banker in the state in which i am working. He reviewed the situation and did not understand it either. He called the Chase credit card department and was told the same incorrect information as I had been. He talked to his manager and we decided to ask that Chase reissue the check and send it to me in care of the local Chase branch. Chase Visa refused to do so. The banker and I came to the conclusion this new practice had been adopted in an effort to increase interest income on accounts. Most people would not check their account and notice the stealth refund which then becomes a balance due on the account for which interest could be charged. I never carry a balance long enough to owe interest, so this is a clever way to try and cause interest to be due. The answers that checks in the mail are more secure than electronic payments and that Southwest Airlines required this banking practice are demonstrative of the deception the bank is engaged in. i am asking the CFPB to work to change this deceptive practice by Chase.
I am a co-signer on two student loans and I am writing to dispute items reported to my credit report by the loan servicer Navient. Navient failed to comply with their own policies, and intentionally and deceitfully provided misinformation in their correspondence. 

At the beginning of XXXX, the primary account holder contacted Navient and verbally worked out a forbearance plan to bring the accounts current. The next payment, which was approved by Navient would be due at the very end of XXXX. Payment was actually made Monday, XXXX XXXX, which brought the accounts current nearly a month early. 

A few days later I received a letter dated Sunday, XXXX XXXX, 2017 advising the delinquencies may be reported to the consumer reporting agencies if payment is not made by XXXX XXXX, 2017. I called Navient and confirmed with their customer service representative the accounts were now current and that the payment and this letter simply crossed in the mail. I was also advised that it is Navients policy to send this last letter with a payment deadline before delinquencies are reported to the credit reporting agencies. 

Navient, in deliberate violation of their own policies, reported the delinquencies to the credit reporting agencies before the deadline given in this letter. 

Additionally, the deadline given in the XXXX XXXX letter was a full week before the agreed upon date for the next payment. If we would have waited until the end of XXXX to make the payment, which Navient agreed to and approved, according to this letter Navient still would have reported the delinquencies to the credit reporting agencies.
Between XX/XX/XXXX and XX/XX/XXXX I attended a school in XXXX Florida to become a helicopter pilot. The school was named XXXX XXXX XXXX and unfortunately went bankrupt before I was able to obtain any certifications. I was still required to pay the full amount of the loan which was over {$80000.00}. Not wanting to be responsible for paying such a large amount for training I never received seemed wrong. The students filed a class action using XXXX XXXX and he negotiated a reduced amount that we would owe though the amount was still very large despite never having received the training promised by the school. XXXX XXXX received millions in fees from the student loan company as part of the settlement. I am still paying on this loan and it has become overly burdensome and I still have twenty years of payments to go.
I enrolled into to a program in XX/XX/XXXX with my two credit card accounts with XXXX XXXX XXXX that would temporarily freeze my account to allow me to make payments in order to get my account back on track & in good standing for 3 months. After starting this program I noticed that I kept receiving letters from the company stating I was behind on payments and in addition received alerts from my credit monitoring the company was inaccurately reporting my accounts as closed. I called XXXX XXXX back in XX/XX/XXXX the customer service assured me that it was not them reporting this to the credit bureau, but the credit bureau reporting the information my account was not closed simply frozen until the program was completed.. I gave XXXX XXXX the opportunity to correctly report the information to no avail. For 3 months they continued to report a false status to the point of causing my credit score to drop 41 points from XXXX to XXXX in XX/XX/XXXX after I have been working diligently to reestablish my credit. I contacted XXXX XXXX XX/XX/XXXX to  address the issue, customer service informed they will keep reporting the account as falsely being closed even though it is only frozen until my last payment. I requested a letter from the company comfirming that the account was not closed and was denied this information in writing in order for me to present to ( XXXX & XXXX ) for correction.
Okay so I filed a complaint with you guys about experiain not investigating properly and refusing to investigate my claim if XXXX. They opened up the investigation and are now reporting different dates once again. back to the same dates I disputed months ago XXXX is constantly reporting different dates back and forth I go with XXXX and Experian. Neither one can get there information straight and is causing great damage to my credit report. As I fight with experian and the creditor who constantly send different dates to every CRA. If experian could look through everything I sent since XXXX I been disputing this item, look through my bank statements that show I have never been late in fact I have paid early. They could clearly see XXXX is making mistakes in reporting over and over. I enclosed a resent email I sent to XXXX so that experian can see I am trying to resolve this with the creditor but am having no luck. There records are all wrong I just want experian to look at the facts look over everything I sent them since XXXX and all the mistakes XXXX has made and the many times they have updated. Look at bank records. Call my bank I will sign a release anything to get the right. The last letter I got from XXXX I enclosed and it has different dates than they are reporting. I also enclosed the consumer complaint report and it has different dates. Please I beg you to remove this I am so fed up I have sent you all I have I dont know what more to do. I also enclosed my police report for XXXX XXXX dispute. Experian also agreed to remove the XXXX credit inquiry and still has not
I requested a co-signer release from Navient on a XXXX year old student loan and they claim I still do n't qualify. My cosigner is in poor health and needs to be released. If you look at their pre-qualifying requirements. I XXXX have had a stable job making over {$90000.00}, I have XXXX completed all of my programs. I am not in default, I am not a payment plan with them, more than half of my credit cards had XXXX balances at the time they pull my report and my federal loan are in the process of being consolidating which do not impact this loan in anyway. I have not missed any payments of this loan either.I meet all of the qualifications. They claim that after XXXX years and paying the loan for the last XXXX on time that I do not qualify. They first stated in a letter I received in XX/XX/XXXX that my income was insufficient,. I told to submit more documentation regarding my income and when I did that they came up within even excuses. They claimed to have a dispute committee but it never made it to this supposed committee which does not exist. hen after I demonstrated that the my income XXXX {$100000.00} year annually XXXX was more than sufficient then they stated XXXX other things in my credit report that were not accurately. I called to speak to a representative who was not polite and who claimed my large federal loan which has nothing to do with this loan was too big and I needed to pay that one down significantly first before they would consider releasing my cosigner. They continue to make it every excuse to keep my cosigner tied to this loan. They have now issued a letter detailing what they claim was in my credit report to my cosigner with out my permission and violated my rights and confidentiality as again they are trying to make the case that I do n't qualify even though they state that credit is not entirely of their decision and again I meet all of their other criteria. Some of their reps have any made statements that they would go after my co-signer 's estate. The claim about going after her estate was made in a phone in XX/XX/XXXX and was stated in several calls over the last 2 years while getting trying to get her released. They even claim in a letter that I did not make XXXX consecutive payments and have made the payments. They refused to take me out of their deferment when I asked them not to defer my account and refused to give me a regular payment amount. They kept making the claim that my account was paid up. Their practices are illegal and unethical and they need to release my XXXX year old cosigner from this debt that she will never have the ability to pay. They violated confidentiality as they had no right to disclose to my cosigner anything that the claim was in my credit report as I requested the co-signer release and I filed the better business report. This continues to mislead the cosigner, her family and creates more conflict on trying to get her released.
I disputed items on my credit report. XXXX being a XXXX account which continues to report as late, and the other being union adjustment company which is a collection institution. XXXX was included in my chapter XXXX bankruptcy which was filed in XXXX 2013. They continue to report late on my credit report and then sent my account to collections after I filed for bankruptcy. This collection account was assigned to this creditor in XXXX 2013. This is a violation of my bankruptcy, this account also has me reported as a chapter XXXX when I filed a chapter XXXX.
I applied for a loan modification as a result of a loss of employment. The program offered by Nationstar was appreciated but I respectfully declined. The program offered did not make good financial sense considering how severely underwater my mortgage is. 

On multiple occasions, I submitted written/verbal requests to Nationstar Mortgage declining the deferred payment plan. Nationstar has failed to remove the Home Affordable Unemployment Program. Additionally, my most recent payment remitted to Nationstar Mortgage was n't applied correctly. 

I have attempted to contact representatives from Nationstar Mortgage on several occasions for a resolution to no avail.
Somebody keep going online trying to get credit cards in my name and now I have  XXXX  new inquiries that I did not authorize and need to get these  XXXX  inquiries removed. The new ones that was just added is  XXXX   XXXX   XXXX / XXXX / 2017  &  XXXX   XXXX   XXXX / XXXX / 2017 .
After very a very lengthy Loan Modification with Flagstar Bank, I have came out worse than when I started. 
During the loan modification, per regulations, Flagstar hired an independent company to check the vacancy status of my home. I was/am currently living in my home ; however, Flagstar stated that it was reported vacant. Not only did they report it vacant, but they again hired an outside vendor to come to my house and change the locks. My neighbor called and stated somebody is in your home. I called the police and did make a report of the situation. Upon returning home, my home locks had been changed, my home was " winterized '', my back door was boarded up and damaged, and all my things had been rummaged through. Flagstar simply said that my house was reported vacant. ON SEVERAL OCCASIONS I told them I LIVE in the home. My loan requires me to live there or I can not re-finance. If it was vacant I would not have been able to complete a modification. Even more, Flagstar made a claim with my insurance company stating wind damage had damaged the roof. This claim was denied by my company due to meeting the deductable. 
For an entire 3 months I had my yard mowed, several signs hung on my door, and the final straw was having BLACK TAR placed on my roof. At this point I hired a lawyer and we are currently preparing a lawsuit. 

My modification was completed ; however, my payments were increased due to taxes and a shortage of Escrow. Not only this, Flagstar now has added a what they call " Total Advances '' fee to my mortgage totaling {$4900.00}. When I inquired about this, they stated this was the cost of refinancing and does not have to be paid immediately. They stated that the total amount would stay on my statement until I sold the home or paid the amount due. It clearly states in my modification packet that all fees and dues have been included in the modification by Flagstar. Why is there a {$4900.00} fee and why is my mortgage going up due to a shortage of Escrow. This was included in my modification. 

Since modification was complete, I have followed through with the claims from my insurance company to obtain a new roof due to the amount of damage FLAGSTAR sub contractors caused. I simply had my insurance company come back out and re-assess the damage. A claim was approved this time. In turn, this has increased my insurance and respectively increased my mortgage. 

The worst part about this whole process was trying to speak with Flagstar to avoid these issues. Each time I called I was transferred to Loss Mitigation, Claims, Insurance, and Default Services. None of them could tell me why preservation crews were coming to my house. They even advised they would put notes into the system to advise the preservation department to stop coming. Of course, this did n't stop them.
XX/XX/2018, I gave authorization to XXXX  XXXX XXXX to do a credit check based on the offer provided over the phone. Credit check was done and then they send the email for confirmation. In the email the offer were not the same as provided on the phone call. Hence I cancelled the service immediately before it got activated and request the customer to make sure the credit check that was done is removed my authorization were based on the offer provided over the phone. They said they will take care of it but until today XX/XX/2018. I tried to call XXXX & XXXX  XXXX XXXX customer support regarding the same but they have be just kept on transferring my call but none helped me and at the end they me on hold without any response ( the call went 40 + minutes ).