WillisBack/dataset-financial-user-claim huggingface dataset:
Greentree Servicing out of XXXX with the phone number of XXXX has repeatedly called a XXXX XXXX Account XXXX after being told ( XXXX ) that the number was a business line XXXX XXXX XXXX the person they were looking for was not associated with the number nor were they associated with people they were getting into contact with ( XXXX ) to not call the number again. The caller is rude and has been hung up on at least XXXX times. The number has been blocked and as soon as XXXX number is blocked another number calls. She 's a XXXX woman who talks over the person who answers the phone. She does n't state who she is with or what the call is regarding. These people need to be stopped. They ca n't harass someone who is n't involved with the debt. They also call the place of business to which this person works. This person IS NOT ASSOCIATED WITH THE DEBT BEING OWED -- she is not on the account and has nothing to do with the account. They were given this persons number by an x wife and lied and said that they were given the number by the person. The number has only been registered to the business about 3 years.
I am a victim of identity theft. The thief has my SS, DOB and address. With this information, the thief conveniently called the credit reporting agencies and was able to place a fraud alert on my file and CHANGE THE PHONE NUMBERS on my account. I am SHOCKED that the credit reporting agencies allow a phone number that has been in use for 20+ years to be changed that easily and NONE of the agencies notified me of a change to my contact information. THANKS to the Credit Reporting Agency changing my phone number, the fraudsters were able to buy a car in my name with the Car Dealership contacting the FRAUDSTER at the number they had provided to the Credit Reporting Agency, i.e. XXXX. The credit report supplied to me by the dealership clearly states to contact the consumer at a fraudulent phone number to verify the application for credit. With increased sophistication of FRAUD, XXXX, TransUnion, and XXXX   CLEARLY NEED A NEW METHOD of verification besides SS, DOB and ADDRESS. Perhaps a good called ID would be a good investment.
I filed a complaint and received my response. In it included only XXXX photo verification of a returned cash check of the loans they claim they owe. There are XXXX total loans. I would like to know why I only received a photo of XXXX of the cashed returned checks on the loans. I would like to receive the other XXXX to verify that this is legitimate. I dont understand why they would not include all XXXX to begin with. I am very concerned that all of these loans are not legit and that I never cashed the checks for them in the first place.
Citi Bank Credit Card took an " Unauthorized '' payment out of my bank account from past credit information they had on file. On XXXX/XXXX/2015 I made a payment of {$170.00}, and again on XXXX/XXXX/2015 Citi Bank took it again. I contacted Citi and they gave me several " Run-Arounds '' and various numbers to contact. I submitted several fax messaged to their " Payment Investigations Dept. '' @ XXXX with a cost of {$1.00} per fax sheet incurred upon me. I also have {$140.00} in overdrafts with my bank. Citi submitted {$100.00} of the {$140.00}, but there is still an outstanding {$36.00} overdraft they have not covered, and additional {$110.00} in XXXX Deposit ( s ) made into my account that my bank took to cover overdraft ( s ). So I am out {$150.00} total to date. I would like the {$150.00} refunded to me. I do n't wan the unauthorized {$170.00} back now because this has now drug out so long that we are into another month and I might as well just let them have that toward the account. Thank you. XXXX XXXX
XXXX HAS BEEN CALLING REPEATEDLY FROM RANDOM NUMBERS ATTEMPTING TO MAKE ME PAY FOR SERVICES THAT WERE NEVER RENDERED BY THE COMPANY. THE NUMBERS HAVE BEEN ADDED TO A BLOCK LIST BY THE CELL PHONE PROVIDER BUT THE NUMBER CONTINUE TO CHANGE AND IT IS IMPOSSIBLE TO BLOCK ALL OF THE NUMBERS THAT ARE BEING USED BY XXXX WHEN THEY ARE CALLING INTO XXXX XXXX XXXX
Unfair, Deceptive, Abusive acts and practices against me and my ex husband by XXXX XXXX XXXX and XXXX XXXX XXXX regarding a foreclosure action against me in 2014 and subsequent reinstatement of the mortgage without my ex husbands consent replacing the reinstatement in his name without his express knowledge/authorization of this act. ( letter admitting GWB and XXXX XXXX XXXX  reinstated the loan without my ex husbands consent in addition to receiving {$20000.00} in Save the Dream grant funds enclosed ). 

I have file numerous complaints against both parties noted above to no avail. They continue to deny they " reinstated the loan '' although the letter from their law firm clearly indicates they did so. They erred and placed the loan solely in my ex husbands name causing him credit issues although I have contacted them numerous time to correct this issue they continue to refuse. 

This has caused tremendous financial hardship for myself and my ex husband. GWB has refused to place the loan in my name and remove my ex husband from the loan although they clearly admit they reinstated the loan without his consent after accepting the grant funds to cover over {$28000.00} in legal costs which are also excessive and abusive. 

I am attaching the letter from GWB/XXXX XXXX XXXX proving they indeed reinstated the mortgage and kept it in my ex husbands name without his knowledge.
A person named XXXX XXXX from ph # XXXX called my mother 's ph # repeatedly ( even though she has told them I do not live there ) alleging she is an investigator sending someone out to my place of residence to serve me with legal documents. She also stated if I am unavailable they will come to my place of work. I have previously received a call like this and contacted the state and county courts to make sure. I had no pending cases against me. Still do n't. I once called them back and they stated to avoid a warrant for my arrest I have to pay {$400.00} by means of a prepaid debit card. They would accept nothing else. They said it was for a payday loan left unpaid. I called the payday loan people and no one could find my debt. These people need to be stopped.
TRANSUNION HAD A SERVER ERROR SYSTEM GLITCH WHICH STARTED IN XX/XX/XXXX, WHICH DELETED A TON OF INQUIRIES FROM CONSUMER CREDIT REPORTS ( WHICH REP DID VERIFY INCLUDED MY CREDIT FILE ). I CONTACTED TRANSUNION SEVERAL TIMES AND NOT GETTING ANY FURTHER WITH TRANSUNION DELETING THE ACCOUNTS ASSOCIATED WITH THE " INQUIRY ISSUE '' AND NUMEROUS CUSTOMER SERVICE REPS REFUSING TO TAKE CARE OF THIS ISSUE. ALSO I HAVE MADE TRANSUNION AWARE OF SOME UNAUTHORIZED CREDIT INQUIRIES THAT I HAVE NOTICED ON MY CREDIT FILE, THAT I HAVE MADE TRANSUNION AWARE OF AND I HAVE CONTACTED EACH CREDITOR AND RECEIVED DOCUMENTATION WHICH WAS SUBMITTED TO TRANSUNION VIA FAX AND A LETTER OF AUTHORIZATION SIGNED BY ME WITH THE APPROVAL TO DELETE THESE SEE LISTED BELOW : XXXX UNAUTHORIZED INQUIRY XX/XX/XXXX XXXX UNAUTHORIZED INQUIRY XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX   XXXX  UNAUTHORIZED INQUIRY XX/XX/XXXX XXXX UNAUTHORIZED INQUIRY XX/XX/XXXX
I lost my personal belongings with my social security information years ago and i notice while checking my credit report, XXXX notified me letting me know of a unusual activity on my credit report, while looking at it i notice this company Mid Land Funding on my report i disputed it with my credit bureau They did tell to contact them and they gave there phone number and i called them and they did not want to listen to me or try to understand my Identity theft Situation. AND THEY KEEP CALLING MY PHONE ON A REGULAR BASIS DISRESPECTING ME AND MY FAMILY. Please I need your help to get them off my credit report. this is the only negative thing i have on my report. And they are only showing up on my XXXX. Please!!
Santander Bank formerly XXXX has falsely reported to all the credit agencies wrong. THey reacted to a former complaint of mine and vehemently disagreed. However they changed their information on the XXXX credit bureaus three different times late on three different statements. I was never late. SO here it is in order 1 ) ON XXXX/XXXX/XXXX I contested that they reported wrong on my report ( attached ) that in XXXX and XXXX of XXXX I was not late. I enclosed statements that proved I was n't late. Now to XXXX attached that is what they showed. 
2 ) On XXXX XXXX XXXX I got a letter back from Santander saying indeed I was late. 
3 ) On my XXXX report Santander now has switched the late months to XXXX XXXX and XXXX of XXXX and now show XXXX and XXXX which I had contested before as paid. 
4 ) On another credit reporting service XXXX Santander at another time showed not late any payments.
I have some unauthorized inquiries on my credit report from companies trying to run my credit without my consent and it has drastically hurt my credit scores. I would like these inquiries removed immediately. I should n't have any inquiries on my file at all. I filed a fraud Identity theft report in XXXX 2014 and sent all my documentation to the credit bureaus and they still have allowed this to happen.
I have try to reach them for the past 8 months THIS IS A CREDIT CARD FOR A FURNITURE STORE they are charging me about {$2000.00} more of my original debt in interest charge. 
They are saying was a promotional of 18 months which I pay every month. 
but I got a balance remaining and I am getting charge now {$5000.00} instead of my balance of {$2000.00} I ask if I could to a payment plan or I will cancel my balance without the interest and they refused. 
No one told me about this 18 month only promotion I hope you can help
Granted XXXX modification by Wells Fargo/ASC in XXXX of 2014. I was approved for the XXXX XXXX XXXX modification, but the documentation does not show XXXX XXXX XXXX calculation which might involve some forgiveness and lower the principal. Made XXXX trial payments plus XXXX more so far. Now they are telling me that it may not be finalized because XXXX XXXX XXXX Bank will not subordinate the home equity line. XXXX XXXX XXXX claims their interest is not covered because of the property value. I have convinced them to do a new appraisal, because property values are increasing not decreasing per their data. Wells Fargo has put a XXXX XXXX deadline on resolving the subordination. 
Wells Fargo Loan XXXX XXXX XXXX XXXX XXXX XXXX
On XX/XX/2019, I wanted to purchase online an Airline Ticket Internationally on a XXXX XXXX. The transaction was declined, So, I called the Customer services of the PNC Bank to Authorize the transaction, after verifying my self and while I was on the phone with the bank 's agent she asked me to try process the payment again and it was also declined, then they transferred me to the supervisor to remove the fraud alert on the car, and I was on phone with him made the purchase it was finally successful and Airline issued me the PNR Reference and Ticket and I have received an E-mail from the bank with the transaction details. 

On the Morning of XX/XX/2019 at XXXX ; XXXX XXXX was my flight, I went to the Airport and found that my ticket was revoked and canceled without any Notice either from the bank or the Airline, and After Inquiry, they stated that the bank did instruct the Airline of revoking this transaction due to fraud alert. 

I called the PNN bank and filed a complaint under the number : XXXX the same day. 
Bank have replied that they had to take this action despite the fact that I took the required actions by verifying and cleaning the Transaction. Bank has refused to provide the proper remedy or a resolution to my complaint and compensate me for the losses I sustained due to their revoking the transaction and my trip although, I have followed the proper procedures in such fraud alert at case by calling the bank and with their guidance and instructions I was able to buy the Airline Ticket. 

I have been damaged by the Bank wrong actions, despite I had complied with all the proper procedures to validate the transaction. 

1- The reasoning that I should have called them to remove the alert and clear and approve the transaction which I did. It is provided by the following evidence : 1- The Transaction made and a bank receipt was received for the transaction. 
2- a Phone call made prior to the bank to validate the transaction to the XXXX XXXX XXXX XXXX lasted for XXXX Minutes and XXXX seconds. ( this is where I was on the phone with bank verifying and acknowledging the transaction, which resulted and end of buying the Airline Ticket and transaction was successfully made ). 
3- The Whole Transaction was made by my Credit Card where is My Name is there and the Name of the Passenger is The Same as the Name of the Credit Card Charged. So, How this Could be a Fraud? and The Airline Has these Data under the PNR reference. 

Finally, Today, I called the Escalated Department of the Bank where they refused to offer any equitable solution nor taking any account or responsibilities of their actions that cause my monetary loses as well as emotional stress. 
2- bank refused my request to speak with their XXXX to address my case and informed me that this is the hights it can get, No resolution and no further action can be made. 

Therefore, I'm filing this complaint with CFPB against the PNC Bank, asking for a proper monetary remedy under the law and as per the consumer protection law and any other applicable USA laws. 


Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX XXXX
I called Credit Systems International to inform them that this debt was paid via my insurance company and I asked XXXX to provide me with the name of the Physician or Medical Facility that they were collecting on behalf of. XXXX stated that it was XXXX but she could n't give me the name. She also stated that it was their policy that she could not speak to me because I was speaking on my phone on a hands free ( through my car audio system ) device. I asked her to transfer me to someone who had more compassion about what I needed and she transferred me to a random voicemail. I called back and got XXXX again and she stated the call " Are you still calling on a speaker phone? '' She did not attempt to assist me nor did she provide me with the name of the company that she was collecting on behalf of. I had to hang up and call my insurance company and have them call her, but she continued to be rude and did not provide any information.
Back in XXXX I applied for and was approved for a Virtual Wallet With Performance Select account. Overall I've been quite satisfied with this account ; however, after several months, the requirements to keep the account fee free became burdensome so I elected to change my account from a Virtual Wallet With Performance Select account to a Virtual Wallet account. This new account only required " {$500.00} or more average monthly balance in Spend + Reserve '' accounts to keep the account fee free. 

In order to make this product change, I clearly remember going to the " preferences '' tab of my account and sliding the balance slider to compare the benefits of a different edition to my current edition. I went ahead and clicked the " Change Edition '' button in order to change my account to Virtual Wallet. The request went through, and I assumed I would have no problems as long as I kept a minimum of {$500.00} of the account. At that time my account balance was {$520.00}. 

Fast forward to today, I just reviewed my account and I see that I have been charged {$25.00} account maintenance fees for both of the past two months. I asked customer service about this, who very flatly said that there was no record of my account change taking place and that all they could do was change the account type ( which I had already done online myself several months ago ). While it appears as if the account change is now confirmed, I am still out the {$50.00} in fees for a mistake that appears related to PNC 's information technology.
XXXX, XXXX  and Trans Union stated they deleted and permanently blocked the following fraudulent and unauthorized credit card accounts from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, {$470.00}, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. The accounts are all fraudulent, unauthorized and dont belong to me.
In XX/XX/XXXX, after my loan had been transferred from XXXX XXXX, I contacted Edfinancial regarding the payment schedule. I asked Edfinancial to  send an amortization schedule for payments because the loan payments and the term did not match up. They assured me that the loan was correct and if I continued to pay the payments as described the loan would be paid in full at the end of the 30-year term. They complied, and an amortization schedule was sent it to me. I then again noticed in XXXX when reviewing the amortization schedule against my payments made, again, this loan would never be paid off if I continued their schedule due. I called Edfin and they said they would have someone investigate it and call back with their finding. I called Edfin on XX/XX/XXXX and the representative said that they concluded their research and the loan was correct. I then asked to speak with a supervisor to press the issue because the representative didnt have the answers to my questions because the balance shown did not match up with the amortization schedule. I spoke with XXXX, who identified himself as a manager and the top person in his department. He stated that they don't send out amortization anymore, because they are inaccurate. As I stated to XXXX, I have been paying on this loan for 66 months and based upon their amortization schedule the balance should be {$100.00}, XXXX, however Edfinancial had the balance at {$100000.00}. This would have put me back to month 55 on their schedule. He stated that Edfin had made a mistake and the figures were incorrect. However, the numbers were incorrect in their favor, which means that we have paid more interest to them then originally agreed upon in our contract. This is because the amount was higher than what the schedule showed and based upon the amount of the balance they stated we still owed in XXXX, I would have to extend my loan by 11 months to pay off the balance. When I questioned XXXX on this, he confirmed that it was an error on their part. I also stated that I would like to check on getting a refund for the extra interest we had paid, and he continuously stated that there is no way " they '' would do that. When I asked him who " they '' was, he did not have an answer. I also questioned him on his numbers, because as I calculated out what he was saying, the end date would have been well beyond the 30 years. He stated that an audit should have picked up the mistake. I was very concerned as I have been paying on this student loan for 10 years already and the auditing process that should have caught the mistake never happened in the 10 years of the loan. 
I have since refinanced my student loan to a 15 year with another company. I followed the terms of the student loan, always made my payments on or before the due date but have paid more interest to a company than was outlined in the loan agreement. I also questioned XXXX as to the fact that we signed a Contract and they were not honoring the contract and were changing it. When I said, that is not how a contract works, he again, didnt have an answer. 
I would like the opportunity to speak to someone who can make this situation right.
I abandoned my mold ( XXXX, XXXX, XXXX as tested by an independent XXXX company ) house in XX/XX/XXXX. The house was sold XX/XX/XXXX. The foreclosure was final XX/XX/XXXX. The mortgage company, XXXX, is reporting that I am over 180 days late from XX/XX/XXXX to XX/XX/XXXX and had a foreclosure in XX/XX/XXXX. I have filed XXXX complaints with XXXX over the last 3 years with the last in XX/XX/XXXX. I have contacted XXXX directly. They have stated their information is correct and continue reaffirming that incorrect info to the credit agencies every time I file a dispute with the credit agencies. I have contacted XXXX directly and they will not provide me any documents showing their dates are correct. According to the court documents I have, their information is inaccurate, not factual and should be removed from my credit reports.
I moved into this apartment XXXX on XXXX. At the time I was in desperate need of a place to live so I was willing to pay just about anything to find a place to stay. They sold me on the fact they were planning on updating the place with new amenities. When I saw the suppose Demo unit for the place it was beautiful. Unfortunately they didn't keep any of their promises. I never received my in-unit washer and dryer, I never got my in-unit table but every month I was being charge the price of having all these amenities. 

I then contacted the office and the manager XXXX to figure out what was going on and he explained to me that everything would eventually be installed. None of what was promised happened. I didn't feel it was fair to be charged for something I never received so I explained to the office I wanted to move. They were extremely rude about the situation, the threatened to mess up my credit and never gave me any paperwork necessary to move forward with the process. I moved out all my belongings and returned their keys to them even after they informed me this my moving out would mess up my credit. Now they're charging me upwards of {$3300.00} when they didn't give me my security deposit back ( which I didn't expect to receive back ) and I honestly don't think its fair whatsoever and I would like it removed off my credit report.
The servicer is Navient for my student personal loans. I have had these loans for many years, I graduated from college in XX/XX/2007. I have had a difficult time with repaying. I have been able to put my loans in forbearance and deferment. I did know that interest would keep accumulating ... but I had no choice at the time. They did not offer a lower payment or lower payment options ONLY forbearance and deferment. Only last year finally did they tell me about something similar to income based repayment and I was put on that program which really helped. I tried to apply again this year and they said I did not get approved. My financial situation has not changed at all. It is all exactly the same as last year. The amount of interest that has accued on these accounts is disgusting and is why my payments are so high. They will not do anything to help now in any way.
Ive been getting calls and they do n't leave a message. I 've had a comminication issue witg this company im the past
I contacted all three companies bureaus XXXX, XXXX, and equifax on numerous occasions regarding my personal credit report wanted to know why my credit score keeps dropping when in fact i never apply for credit and my bills are always paid on time.example signed up with XXXX credit monitoring service, however i'm at a XXXX credit score for 3 weeks, then i check on XX/XX/2018 and my score dropped 9 points over night in addition my score dropped 18 points with XXXX, and 10 points with equifax, so my plight is if all my bills are being paid on time and i never applied for more credit and there is no negative information being reported then why is my score dropping this appears to be an personal vendetta against me for having lawsuits with all 3 credit reporting companies in the past.In addition they are not reporting that i have a mortgage which i signed on with XXXX XXXX XXXX as well. They are also reporting accounts which have been resolved with XXXX XXXX XXXX and ect. Please help me resolve these issues because it appears they have a personal vendetta against me for filing lawsuits against them for wrong doings.