WillisBack/dataset-financial-user-claim huggingface dataset:
I have called PNC at least 10 times about closing my account and each time they come up with a reason for why I can't. I do not live in their service area, I can't transfer money easily. They said I should try downloading XXXX and transferring the money to myself. They say I have " pending transactions ''. I've asked them to freeze the account to prevent pending transactions - they've refused. Why do they keep letting transactions go through?? And they're for stupid amounts of money : XXXX  dollar, XXXX dollars, XXXX  dollars. 

Another time they wouldn't let me cancel my account because my address was incorrect, which they said would take 10 business days to change. 

They're not able to help me freeze the account, they're not able to help me close it. 

This last time they suggested I dispute the pending charges because they should not have gone on this account ( XXXX is debiting them even though I've removed them from XXXX 's system ). BUT this would mean I can't close the account for another 4 weeks!!!!! 

PLEASE HELP ME CLOSE MY ACCOUNT!!! All I do is pay overdraft fees and they won't refund them or help me close my account
After posting a final payment in the Citibank credit card online portal ( XXXX ) to cover the balance of my account and all pending charges, I opened a chat session to request the account be closed at the conclusion of charges and payments posting. A customer service representative ( name XXXX ) responded acknowledging the chat session. Immediately with no delay XXXX requested whether I was still there. When attempting to respond to XXXX the chat window was no longer accepting keyboard input. XXXX then quickly asked if I was there and to respond or he would have to close the chat session, not even having provided sufficient time to seemingly be a delay in my responding. The chat session then closed. I verified in the same browser tab ( outside the chat window frame ) that keyboard input was being accepted. I verified in another browser tab that I was able to type in another web site name to open that web site. And was also able to type keystrokes in a text editor. I then attempted to open another chat session to make the same request to close the account. The new chat session would not accept keyboard input so I could not request closure of the account. It seems likely that keyboard input was locked out of the chat session to prevent a response for confirmation of the account closure.
Debt was paid in full XX/XX/XXXX. ( I have receipt and canceled checks ) Was called and ask to pay XX/XX/XXXX I explained the debt was paid. Told debt is cleared. Contacted again XX/XX/XXXX, explained debt was cleared. I was told is was a mistake after I explained and I would not be contacted again. But 2 times after pay off debt???? Something is wrong.
Back in XXXX 2016 a purchase was made with my credit card that I did not make. I filed a fraud dispute and Citi investigated the matter. When I launched the dispute the charge was supposed to be temporarily removed from my credit card. It was never removed. Furthermore Citi said that I made the purchase which I did not or I would not have made the dispute. So I decided to say screw it, I will pay the amount. Well Citi decided to double charge me for the amount of {$530.00}. They put XXXX charge in my regular purchases and the other XXXX for 0 % interest for 18 months ( this was the one they were supposed to remove and never did when I made the fraud complaint ). When I saw they double charged me back in XXXX I have called and emailed their customer service department. I either get hung up on or per the emails the person commanding the email tells me to just call in. No one will help me. I even issued a response to their executive team which I have not heard back from yet.
I apply'ed for a mortgage refinance. I was approved. But nothing was changed on my interest rate and life of the loan. Bank of American.
Equifax compromised my credit. They then sent an email asking for me to " enroll '' in protection. What the enrollment actually did was " opt '' me out of a future lawsuit. Essentially, I was tricked.
*This is related to the recent security breech by Equifax affecting 140 mil people in the US .
I sent out validation letters and disputed two collections on my credit report in XXXX. The TWO collections are with a company called XXXX XXXX XXXX. I received a copy of a lease from the company. At the top of the lease the names are XXXX XXXX and XXXX XXXX. No where on the lease is my name. I contacted the company and they said it was an error but the debt was intended for me. I'm sorry, but that's not VALIDATION. I requested the company delete and they said no. I informed transunion and they have yet to delete these from my credit report dispute the collections agencies lack of validation proof. I'm attching the lease to this complaint as proof that it is not mine.
in regards to case XXXX. XXXX XXXX XXXX, XXXX, Florida. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX VS XXXX XXXX ( PRO SE ). Plaintiff law firm of Cianfrone, Nikoloff, Grant & Greenberg ( XXXX XXXX XXXX ) is a confirmed DEBT COLLECTOR as stated on their signature on emails as well on court documents. They were NOT hired by the condominium Association. As of this date they have violated several areas set by the FTC. They refuse to contact the opposing attorney ( myself acting pro se ) in setting court dates for hearing. They are after a debt which was written off many years ago by the condominium association. They receive a percentage of the debt if they win. The law firm is trying to also get ridiculous attorneys fees as well and astronomical interest added to the original debt owed which was written off. They are unethical, unprofessional, liars, cheats and your typical debt collector violating the agencies whom over look them. 

I have all of the paper work if you need to see.
My home mortgage loan was sold from XXXX XXXX to XXXX XXXX XXXX, effective XX/XX/2018. In XX/XX/XXXX, I received a letter changing the contract they purchased without my permission. XXXX XXXX XXXX created a " cushion ''. Though the raising of the mortgage payment occurs to mitigate the increase in taxes and escrow, is normal and is reflected in a somewhat nominal increase - XXXX XXXX XXXX XXXX cushion of {$1100.00} has raised my monthly premiums by {$210.00}. I was not asked if I wanted this cushion and I do not agree to it. I am a Veteran and no loans I have ever had, have ever increased to this magnitude. No one has ever forced a cushion upon me. I do not want this cushion. I am retired on a fixed income and I am currently seeking Veterans Compensation for injuries and medical conditions resulting from my military service.
There was a collection account with  XXXX   XXXX   ,   XXXX , account number  XXXX  for   XXXX     XXXX   XXXX   XXXX   XXXX  that was previously deleted from my credit report in  XXXX . I just got an alert that this account was put back on my credit report in  XXXX   XXXX .     The Fair Credit Report Credit States under secti on 611  Procedure in case of disputed accuracy ( a ) (  5 ) ( B ) ( ii ) N otice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later  than 5  business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.     I was never notified of this account being reinserted and therefore is a clear violation of the FCRA.
I have incurred loans through XXXX when I attended XXXX University as well as when I attended XXXX. During a period of hardship, my loans went into default. In contacting my loan servicer, I was advised that the only option I had available to get out of default was deferment. I also was not told that I had to call and resubmit deferment paperwork each year thereafter. If you look at my account, you will see that I have n't done anything else after this time period. My loans have continued to accrue horrendous interest rates, and I am still in school, attempting to gain my XXXX degree, and I owe over XXXX dollars. I am a mother of XXXX, please help ... ....
on XXXX/XXXX/2016 I used the ATM machine to deposit cash something happened that the only deposit credited to my account was {$680.00}. {$1200.00} was credited to another account, the transaction between the receipts attached are only 3 mins apart. I asked my bank to help me solve the issue but the branch manager 's reply was " you picked up another ATM receipt trying to get credit for money that is not yours ''.
Calling a private business phone. The phone is located in the lobby of a major hospital in XXXX Oregon. The line that gets called redirects to a specific unit, employees at this hospital have no knowledge of the name of the XXXX persons that they are calling for. Multiple staff have repeatedly explained that to the company and have asked to have the nubmer taken off their list, and they continue to call daily.
On XX/XX/XXXX I went to a Bank of America in Amarillo, Texas to cash/deposit a check. This was a check issued by the Texas Comptroller of Public Accounts in the amount of {$4500.00}. The teller informed me that only {$200.00} would be made available today ( 3/9/2018 ). The remaining amount ( {$4300.00} ) would have a hold placed on it until XX/XX/XXXX. She said this was because my account was less than 30 days old. I agreed, received my {$200.00} and a receipt. On XX/XX/XXXX I received a letter from Bank of America stating the hold on the {$4300.00} was now until XX/XX/XXXX. The reason given was " A hold was placed on your check ( s ) because check specific information indicates item may be returned ''. I immediately made a phone call to the Bank of America customer service line. Upon being connected with a " specialist '' I inquired why an additional hold was placed. The " specialist '' stated he didn't know, gave me the same reason as the letter, and he said he couldn't do anything about it. I asked to speak with a supervisor and was told it wouldn't matter because he couldn't do anything about it either. On XX/XX/XXXX the original hold time expired at 9a.m. I placed another call to the customer line to see if I could have my money made available to me. Again I was told there wasn't anything they could do to help me. I was placed on hold to talk to a supervisor, and the line was disconnected by Bank of America after about 20 minutes. With no help from Bank of America I decided to call the Comptroller of Public Accounts Warrant Status Inquiry System. Upon entering my check information I found that the check had been paid by the State of Texas Treasury on XX/XX/XXXX. Bank of America placed a hold on my check because " item may be returned '' on the same day Bank of America received the money from the Treasury. A second call was placed onXX/XX/XXXX to the customer service line. This time I immediately asked for a supervisor because I knew a normal employee would tell me " there isn't anything we can do ''. I was connected with a supervisor after a 15 minute hold. I explained to this person that my check was paid by the Treasury on XX/XX/XXXX and that Bank of America was holding my money under false pretenses. She said " how do I know if you're telling me the truth ''. I asked if she could check the system to see if it showed my check had cleared. She said she couldn't, but that I could give her the number to the Warrant Status Inquiry System. She stated " I'll the number and verify the information you gave me and call you back ''. I agreed gave her my cell number and hang up. It is nowXX/XX/XXXX and I haven't received a call back from the supervisor and the hold is still on my account for {$4300.00}. Bank of America has falsely withheld my money from me for a week now. I've never been so disrespected by a company in my entire life.
XXXX   XXXX   XXXX  Deliberately Robed me  XXXX  Dollars and i cant get verified  two  open a  New  Bank account in 3 years. Now All Credit Card Applications Denied I sent the Credit Burrow  XXXX  homes of ID  XXXX  Times and Usually no response or they Send a Credit report has nothing  two  do with why all Applications are Denied Why Cant i respond two  XXXX  I cant Get a New Bank account in 3 years and the Credit burrow only Respond yo u may ha ve been a victim Of Fraud.
I open a new bank account with Bank of America, on XX/XX/2019, at that point in time I deposited my check from my employer that is issued by XXXX. The funds were on hold for 7 days, it caused a lot of moneraty issues. I am currently undergoing a separation and I have no other income than my job. I had no money for a week. On XX/XX/19 the funds were released. I had to borrow money from my parents and sister to survive that week. I still owe them money. I got paid again on XX/XX/19, I proceed to deposit my check and went about my life. Then I realize that Bank of America put another hold on my account for 6 days, my funds wont be available until XX/XX/19 meanwhile I do not have money for Diapers for my baby, money for food, I have bills that are urgently past due. I called BOA to get them to release the funds and they told me to avoid this problem in the future to cash the check, but that they could do nothing. I spoke to two other people a manager and supervisor and they told me that they could not nothing. The supervisor stated that I should have just cashed the check as well that the hold was not going to be taken off, and said that I could ask for funds and overdraft the account, I told them that if I did this BOA was just going to charge me fees to this the supervisor just said that they would but that I could get money this way. I was then transferred to a manager who stated that they could do nothing and that I just borrow money from family and that they could do nothing. I told her that if I went and cashed the check and got my money how long would it take BOA to get their money then? She could not respond to this question. All she said was that my check would have not been cashed and that I was just going to have to wait. I am writing this because I literally have no money, for a week with XXXX young kids that depend on me and I have no funds. I think its unfair that BOA is holding my check issued from XXXX who is the payroll company for the small law firm I work for. A check that was issued last time as well from XXXX  the first time I deposited. I cant borrow money from family because I owe them so much money already. Then you have people that work for the bank pretty much giving you contradicting information saying to cash a check then saying I would have never been given any money. Please look into these practices. I might be a small fish, but if they are doing this to me how many more customers are, they not XXXX  over
Account resolution service, XXXX XXXX XXXX XXXX  are continuous reporting the same bill multiple times on all of my credit reports. The same bills show up 5 times or more. For example, XXXX USD shows up 9 times its one bill not 9 of the same bill. This is killing my credit score in all 3 bureaus. Some bills are very very old and should not even be there anymore and some should just not be there period. I have tried to reach out to fix these issues and nothing has been done. I also just had an issue with a breach in that someone in XXXX   attempted to withdraw XXXX dollars from my checking account! I live in XXXX  and have never been to XXXX ... .and I have now filed a police report for that. Please make them fix this! I will also retain an attorney to help in the above situations and am preparing for bankruptcy.
On XX/XX/XXXX I submitted a complaint with the Consumer Financial Protection Bureaus website to get assistance in correcting this information and Trans Union added more fraudulent addresses for out of state. Now I am submitting an additional complaint and hope this can be expedited so that I can be done once and for all with this. 

On XX/XX/XXXX I paid {$20.00} for a certified letter to Trans Union containing a signed and notarized document, notary certificate and a Identity Theft Affidavit. On XX/XX/XXXX I received confirmation that Trans Union received my certified letter and it's contents. As of XX/XX/XXXX, I paid the credit monitoring website, XXXX a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Trans Union is still on my credit report. There are fraudulent/invalid addresses which are not mine. I have lived at my current residence in XXXX, Ca for over 10 years ( Since XXXX ) and I have never lived out of state. 

On XX/XX/XXXX, I paid an additional {$24.00} to my credit monitoring account to refresh all three bureaus and noticed Trans Union added more out of state fraudulent accounts.
I applied for a loan for {$400.00} from Bigpictureloans.com. At first, I thought it was a typical payday loan and that I would have to pay up the balance in installments every other week. When the loan was approved I read details on screen that the fee for processing the loan was only {$34.00} with a total of {$430.00} to be paid biweekly until the total was paid in full. I received a notice that I received approval for {$1000.00} which was perplexing because I did n't ask for that amount. I then received the {$400.00} which was deposited in my checking account, but with no notice of loan agreement details. I finally received the loan details after I logged into my Bigpictureloans account. The agreement was confusing and stated that I had 20 installment payments that would finally end on XX/XX/2017. The payments started off at {$140.00} with a grand total of {$2200.00} resulting in a finance fee of {$1800.00}. When I finally got a chance to call them they stated that the payment that had just processed would not post to the principal balance and was just to cover finance fees unless I paid the full amount of the loan plus the finance fee which they considered some type of " buy-out ''. Bigpicture would continue assessing and charging the finance fee until I did this considered buy-out of the loan. They would not post any payments that I made to the account until the final amount had been paid. The interest on the loan totaled a whopping 784.7312 %.
On   XXXX   XXXX   XXXX     a letter was sent to  Cach LLC  to validate the debt in question.   Their letter dated   XXXX   XXXX  , solely provided me with a letter and no written verification of the debt with my signature.   I am requesting that a written validation with my signature be provided or that this negative report be deleted from my credit report.   Thank you in advance for your assistance.
I obtained a settlement with payment of {$2300.00} and Discover takes 30-45 days to report it to credit bureaus. We are trying to buy a home and we need this reported efficiently. The company is quick to send negative information to credit bureaus but slow in reporting settlement.
Equifax is reporting duplicate accounts for my student loans, which is causing my debt to income ratio to shoe {$47000.00} more than what I actually owe. I was unable to close on my home due to this, which litterally cost me over {$5600.00} in losses due to Equifax negligence. Myself and the merchant ( XXXX/XXXX XXXX XXXX ) have sent several request demanding credit profile correction and yet to date they have failed to update. 
Acct ( s ) ending in : XXXX Amt ( s ) : {$1600.00}, {$2500.00} XXXX {$3400.00}, {$610.00} XXXX {$5600.00} XXXX {$4100.00}, {$6700.00} XXXX {$4500.00} XXXX {$4300.00}, {$5000.00} History of communication : XX/XX/XXXX - XXXX/ XXXX XXXX XXXX submitted to Equifax that a total of 12 student loans were consolidated into 2 new loans. This request updated with all other major credit reporting agencies ( XXXX  and XXXX ) accurately. 

XX/XX/XXXX - I reached out to Equifaxto inquire why updated information had not reported on my credit report. Advised that XXXX/XXXX XXXX XXXX had not sent any updated information to them. 

XX/XX/XXXX - I made contact with XXXX was explained my delima ; advised by merchant that reporting was submitted to Equifax XX/XX/XXXX. However, they would submit another request to have 12 account updated to paid and closed. 

XX/XX/XXXX - Received an update from Equifax stating that merchant verified that current ( inaccurate ) information was correct. 

XX/XX/XXXX - Made another contact with merchanct, XXXX/XXXX XXXX   XXXX and advised to send information that was received from equifax regarding update. Fax send on Monday, XX/XX/XXXX. 

XX/XX/XXXX, received a letter from Merchant, XXXX/XXXX XXXX XXXX, stating " we have sent a request to ALL Three credit reporting agencies, requesting that all account not serviced within the past 7 years be removed from your credit profile/report ''. 

XX/XX/XXXX - received notification from equifax that merchant reported ( inaccurate ) information correctly.
On XX/XX/XXXX I took out a cash advance in the amount of {$1400.00}. On XX/XX/XXXX I made a payment in the amount of {$1400.00}. The minimum payment was {$280.00}, I was under the impression that any amount paid over the minimum would be applied to that portion of my credit card balance with the highest interest rate. When I saw that was not done I called on XX/XX/XXXX and asked if the excess over the minimum payment could be applied to the portion being charged the highest interest, I was told that was not possible. 

I thought the Credit Card Act of XXXX made it very possible to pay off the higher interest rate by making a higher than minimum payment.
I am a permanent resident of the United States of America since XXXX XXXX. I am a XXXX XXXX XXXX XXXX in my final year and a XXXX XXXX. My husband is a XXXX XXXX. Our annual income is over XXXX $ a year. Although we have many credit cards including an unlimited XXXX XXXX XXXX XXXX ( my Fico is XXXX ), XXXX XXXX XXXX ( XXXX XXXX XXXX ),  XXXX with limits over XXXX $ and many more store cards, we have been constantly declined by XXXX : - XXXX XXXX, XXXX - XXXX XXXX, XXXX - XXXX XXXX, XXXX The agent XXXX ( ID XXXX XXXX XXXX ) in Arizona, XXXX XXXX XXXX partnered with Citibank stated that the reason would be a " rejection by the system '' because of the " limited credit history ''. Although I have a very high credit score, the fact that I am a permanent resident makes me vulnerable by the XXXX automated credit card processing. Such an automated decision is a violation of the federal law, because it would decline any new permanent resident, although a specific situational case by case decision must be met in order to be complaint with the consumer protection law.
Ic systems is reporting and attempting a debt for XXXX XXXX. XXXX XXXX debt is invalid, As i was protected under the Soldiers and Sailors ACT. I was deployed, and notified them to my file acct on hold, per the act. And they did not. They are in violation of the SSCRA And I do not owe this debt.
XXXX has been illegally re-aging my loan and reporting the wrong amount. They are reporting a {$15000.00} and sent a fake deficiency of surplus letter that says it was dated XX/XX/XXXX however that is NOT correct. The vehicle was sold on XX/XX/XXXX and I have a settlement letter that shows the balance being {$12000.00} including the principal balance of {$8300.00} from XX/XX/XXXX. I have all of my credit reports which they have NEVER stated I owed a balance of {$15000.00} until XX/XX/XXXX where they also changed my loan term from the original 72 months to 77 months. They have also reported a 76 month term to my credit while increasing the balance. They are switching around documents that have been sent to me in order to try and obtain more money while attempting to demolish my credit. They have no explanation on the misc fees they have added on to the original principal balance of {$8300.00}. XXXX as also removed this account 3 times without notification of it being reported back. XXXX also stated my vehicle was repossed for failure to make payments on time and my account was 59 days past due at the time of repossession which is also FALSE! A payment was made in the amount of {$2100.00} onXX/XX/XXXX. The vehicle was in the impound which is where XXXX got the vehicle from. It was never repossed for non payment.