WillisBack/dataset-financial-user-claim huggingface dataset:
My Identity information had previously been compromised and used to open several accounts and inquires without my permission. This XXXX of them and is a fraudulent account. 

Automotive Management XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX auto loan XXXX opened- XXXX I 've currently submitted an identity theft report to The Federal Trade Commission as well as disputed this account with XXXX credit bureaus.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX contacted my phone on a Sat. XXXX, 2017 and a voice mail. I listened to the message. 20 minutes later I called my father in Hawaii, 6 hours diffence to say hello and he told me of this company calling him in regards to collecting money. 
He provided the contact info left for me to return the call which I immediately did, upon speaking to the debt collector she informed me of a balance unherd of that didnt match my balance owe that I am in dispute now over and said I could settle with her. 
In response to her offer I asked how and why she called my father and she lied explaining that she had his number and name contact from original loan statement. I told her that wasnt true because I remember that he was not a co-signer nor a contact for reference. The call ended right there and I was sent from this company the original copy of loan with out his contact information ( I dont know if that was an appology or a threat? ) and a collection statement. 

This is the third company trying to collect a bill that I have been disputing for over 9 years. I need closure and this should end. 

My request from this complaint is a conference call with free legal assistance to the loan owner about a reasonable payoff for debt. 

I have paid a certain amount and expect everything I gave to be recognized. 

The arbitration factor to the clauses in my loan agreement look really attractive right now so I need to make a decision.
I contacted Transunion Several times about accounts being reported that are not mine. They requested that I file a police report before they remove them, which was absurd. I have filed a police report with XXXX XXXX Sheriff 's Office, Case # XXXX on XX/XX/XXXX. 

I am requesting the XXXX account and the inquiries from XXXX, XXXX, XXXX, XXXX, XXXX and XXXX removed. I inquired from XXXX in the last year.
On XXXX the XXXX, went to the bank to deposit XXXX cash into the ATM in one of the drive thru lanes. I inserted my card and entered my pin number. Tapped deposit on the screen. Then inserted XXXX XXXX dollar bills. The screen displayed " Your cash has been confiscated ''. I was very frustrated due to the fact that there was nothing I could do about this right then. I am XXXX and on limited budget. The money I tried to deposit was a gift. I really needed this money. Anyway, I went to the branch that I use on XXXX the XXXX. The address is XXXX XXXX XXXX in XXXX, TX XXXX to report this. I reported to a lady named XXXX. I was given a reference number to keep up with the status of the investigation that was to take at least until XXXX the XXXX. I called several times. On XXXX the XXXX, I called and was told that the ATM was not over balanced and I was denied my money. This seems to be very frustrating to me. I would think that the cameras at the ATM could show me there depositing the money. This is no scam! I seriously need my money back!
Hello, My Name is XXXX XXXX. I am contacting you to address my concern/ complaint against PNC Mortgage as they have not followed through and complied with the law in accordance with Loan Modification due to desaster ( Hurricane Harvey ).

I was laid-off from my employment due to Hurricane Harvey on XX/XX/XXXX ( currently employed as of XX/XX/XXXX and not able to bring my account current due to unemployment ).

I had contacted my mortgage company ( PNC Mortgage ) inXX/XX/XXXX and informed them of my situation and they placed my loan on Forbearance for six months. During that time, I was in constant communication with my mortgage company and was asked to send in a hardship package if not able to bring the loan current. I did just that in XX/XX/XXXXand I was told the loan could not be reviewed for modification since it was in forbearance and to wait until forbearance ends. My forbearance ended on XX/XX/XXXX. As requested, I emailed the documents to my assigned rep XXXX XXXX on XX/XX/XXXX to make sure they received the documents as the forbearance ended as requested by the rep. Now I'm being told it was not reviewed and that my loan will go to foreclosure proceedings on XX/XX/XXXX. Today, I was asked to send the package again, and I have sent it in again for the 3rd time. I am extremely frustrated with PNC 's process and their representatives do not know what they are doing as they continue to provide wrong information. I do not see any accountability here. When I asked to speak with the manager in-charge I get placed on a long hold and transferred to XXXX XXXX   voicemail. I have done everything I was asked to do and complied with all requests furthermore I have been calling PNC every week and keeping in touch with them. I have explained my situation to them several times and that I do not wish to lose my home. I only have close to {$12000.00} left on my mortgage and am getting this run around by PNC. Please investigate my complaint as I do not wish to lose my home. Thank you kindly. XXXX XXXX ( PNC Acct # XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX , Texas. XXXX
I was a member of XXXX XXXX in XXXX NJ for 15-20 yrs. The only contract I signed was in my first year. My method of payment was automatic credit card reduction. On XXXX XXXX of this year, I decided ( along with my wife ) to switch gyms. We informed Golds on XXXX XXXX. I called Chase XXXX on the XXXX to inform them to stop payment of any further transactions from this vendor. My next payment was due on the XXXX of XXXX and my wife 's next payment was due on the XXXX of XXXX. 
Sure enough, on the XXXX of XXXX, I received a notification on my phone that a payment was authorized. I immediately called them to inform them that the payment was made and they assured me that it was only pending and that there was a dispute in process. Sure enough, on XXXX XXXX, the next payment was subtracted. I called them again and they once again claimed that it was a disputed charge and would be taken care of. Finally, on the XXXX of XXXX. I received my bill and the charges were on my bill. Again they told me that the charges were pending and a refund would be given if they could get the funds back from the vendor. Since there has not been a contract in many years, I should automatically be put on a month to month basis and not required to abide by the 30 day exit period. I feel that Chase XXXX chose the vendor over me, when in fact, the dispute should be between the vendor and me. XXXX should have cut off the vendor when I requested and let the vendor come to me with any complaint.
Bank of America has charged to my account an overdraft fee when there was no overdraft incident. Attached is my Bank of America Checking Account history.
Equifax exposed my personal data and that of my family. Now they are charging {$30.00} for a credit freeze necessitated by their own error!
SyncB/TJX Cos : They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!
On X/XX/2017 I accessed Experian to obtain a free credit report in light of the XXXX data breach as my data was included in the hack. After providing the requested personal information and follwing the instructions to create an ID/password, I revieved my report and logged off. 

I then received an email welcoming me to the XXXX XXXX account. Nowhere was I presented with any information stating that I was signing up for a paying membership account. I have attempted to cancel the membership, but the language is so complicated that I have no idea what I canceled. All I know is that I can no longer pull current credit reports! 

This is a problem with all 3 credit monitoring services and should be stopped!
This is not my account! This has been on my report since XX/XX/1997! It should have legal been removed after seven years. They keep changing dates to keep this in accurate information on my credit report
A debt collector named XXXX XXXX is using sheriffs in NJ to send me documents that he says he has filed with a court but he has not. This guy has broken the law I was told by a lawyer and is a very aggressive debt collector. The bank is in CA and I am in NJ now so I am also wondering what the rules are around that.
XXXX XXXX ( EST ) XX/XX/XXXXI received the response to my previous complaint XXXX Paypal Holdings engaged in partially releasing my payment held by them. As I tried to add my bank to withdraw the remaining held payment $ XXXX- their online system refused to let me do the needful.
XXXX XXXX ( EST ) Then I called Paypal and spoke to their representative XXXX who stated that I wo n't be able to withdraw funds before XXXX XXXX 2017.
Once again this is misleading and reprehensible information. They did release {$630.00} but they are obstructing me again for the remaining amount. The total amount according to my original complaint was {$1000.00}. 23 They chose to ignore my complete relief and continued to violate my rights as finance consumer.
I think it 's time CFPB must engage in a collective effort to discard such practices permanently from the US finance market.
I was attempting to use my PayPal Account to pay for an electronic fax on the website XXXX. When I clicked on the pay with PayPal tab, I was prompted for personal information to confirm my identity in order to check out. The payment process was misleading, as the consumer is led to believe they are simply confirming it is them who is attempting to use the account. In reality I was signed up for a PayPal credit account, that I never wanted. There was nothing that clearly identified the fact that I was signing up for a credit account. It will now show as an inquiry on my credit report, and it will show that I had this account and closed it. I immediately called to close the account, and did not have any problems with the company in that aspect of this issue.
X/XX/17 I received a phone call from Transworld collection services regarding an unpaid med bill from XXXX XXXX XXXX in XXXX NJ. I have not been to this doctor in 2 years nor have I ever received a bill. <P/>Transworld wanted my dob and ssn as well as address. I did not give this information. I advised I would call the doctors office. <P/>XXXX advised that I had a XXXX balance and that they were having problems with Transworld. I was advised that I was the 100th patient calling that morning. <P/>Today I got another call from Transworld. This time I asked for a supervisor. I advised him that I did not owe any money to XXXX and that XXXX had advised that they were having issues with Transworld. I told him to call XXXX to straighten this out. He advised that he needed my ssn ( last 4 ) and dob to resolve this. I refused to give it to him and told him never to contact me again as I owed nothing. We went back and forth for a couple of minutes before he agreed to take my number out of their call log.
Bank : XXXX XXXX  ( formerly EverBank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX My CD matured XX/XX/2018. I submitted cash-out instructions for the CD on XX/XX/2018 which the bank acknowledged ( see attached ). The bank did not redeem the CD on that date or subsequent days, The bank tells me by telephone that THEY have a 10 day grace period to cash out, even though they receive the order on XX/XX/2018. The grace period is supposed to apply to the customer, not the bank. They should pay interest on the late days at the same daily rate as the CD was paying. This bank ignored my repeated attempts to communicate by secure message through their website and by regular E-mail. 

Last digits on account are : XXXX Also identified on website as : XXXX
I have a personal debt with PayPal. A debt, I am not liable for. 

I opened a business account with paypal since XXXX of XXXX. The day my business made its first dollar paypal then flagged my account, put my money on hold due to this debt I am not responsible for. 

Your XXXX XXXX is an XXXX ( XXXX XXXX XXXX ) which in the court of law you can not hold a XXXX accountable for personal debt. You can not take my money and hold it XXXX for a personal debt. This is illegal and I want to pursue legal action against paypal for this matter. 

I want the limitations to be removed and my money to be released.
To  XXXX  :   XXXX   XXXX   XXXX    XXXX , TX   XXXX   The following inquiries are in correct Someone has my personal information and has tried to apply for credit using my personal information. I have a added a fraud alert on my file Please remove these fraudulent inquires   XXXX   XXXX   XXXX   Date of request  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request   XXXX   XXXX   XXXX   Date of request  XX/XX/XXXX Account name   XXXX   XXXX   Date of request XX/XX/XXXX  Account name this one is   XXXX   XXXX   XXXX   XXXX   XXXX   Date of request  XX/XX/XXXX nquiries shared only with you Account name   XXXX   Date of request ( s )  XX/XX/XXXX   XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   Date of request ( s ) XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  Account name  XXXX  Date of request ( s )  XX/XX/XXXX  XX/XX/XXXX Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name  XXXX  Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX Account name   XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX Account name  XXXX  Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   Date of request ( s ) XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   Date of request ( s ) XX/XX/XXXX Account name   XXXX   XXXX   2 Date of request ( s )  XX/XX/XXXX Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   Date of request ( s ) XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name  XXXX  Date of request ( s )  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  Account name  XXXX  Date of request ( s )  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX
I'm a XXXX XXXX XXXX and became sick. I went to the hospital and check out. I gave them my Medicare card for insurance. I check my report and United Consumers appeared representing XXXX XXXX XXXX. I called them said they used the card for Medicare, That's wrong. They didn't want to hear it and reported it. This is effecting me.
My XXXX account for student loans has been closed since XXXX and paid in full and they still are showing on all XXXX of my credit reports, I was told good standing accounts stay on you report for XXXX years but it 's been more than XXXX years, please remove.
I do not believe this debt is mine. I did not receive a bill or phone call from the original company nor have I received a bill or phone call from the collection agency. I have not moved nor have I changed my phone number.
I applied for and received a Citi XXXX XXXX XXXX credit card. I applied for an offer where if I spent {$3500.00} in the first 3 months I was to receive XXXX XXXX XXXX points. I called Citi before applying to confirm that I was eligible for the bonus since I had received the bonus in the past. They communicated by telephone to me that I was eligible for the bonus since I received it more than 2 years ago. I then applied for the card, received the card, and met the requirements for the bonus. Citi however never paid the bonus and states that I was not eligibe for the bonus since I had had an open card within 24 months. While that is true, I believe its a deceptive practice to ( 1 ) offer credit cards to persons whom the bank later determines are not eligible, and ( 2 ) to inform the applicant that they are eligible.
On XXXX XXXX, XXXX, I used the Discover Card convenience check mailed to me by Discover by depositing this check witXXXX XXXX XXXX Before using, I called Discover, and Discover customer service rep told me, after looking up my account, that I have available credit to cover the check for {$3000.00}, and I was told by Discover that I could use this check just like any ordinary check XXXX call is recorded and stored on mp3 and took place XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I was notified by XXXX that the check was returned, and I was notified by Discover that they are dishonoring the check, even though Discover told me before hand that the convenience check for {$3000.00} would be paid by Discover, and that the {$3000.00} balance would appear on my credit card statement. The check should have been paid as agreed between myself and Discover on XXXX/XXXX/XXXX, and the terms and conditions of the convenience checks sent to me by Discover do not indicate any restrictions or limitations, except available credit only, which there was plenty of on the date and time Discvover dishorored the check in bad faith, breaching their contract and fiduciary duty to me.
I have a loan that was on Identity Theft & fraud by XXXX XXXX bank that was not sign by me as the California All Purpose Certificate Of Acknowledgement was for corrections & power of attorney for the instrument being the deed of trust. 

I did not sign nor was or appeared before the notary/notary agent on this document I have identity theft and fraud by the said parties XXXX XXXX & the notary/notary agent hired by them. 

Fraud & Theft on the instrument for the Deed of Trust
I went to XXXX for my personal training. My teachers for my classes were constantly switched, moved around etc. I did not receive what I signed up for at this college. I have been forced to find education within the body of my employer due to the college not teaching me.
I added Barclay 's Bank as an external account to my XXXX Checking Account. I set-up a transfer on XXXX to be delivered on XXXX of {$1000.00} from XXXX to Barclays. On XXXX I called XXXX because I realized Barclays would reject the transfer. The person I spoke to attempted to REVERSE the transfer and somehow deleted Barclays as a transfer option on my XXXX account. On XXXX it appears the {$1000.00} transfer was rejected and returned to XXXX AS EXPECTED. However on XXXX a transfer was made of {$1000.00} - it appears XXXX was trying to pull {$1000.00} from my Barclays account. This {$1000.00} is missing. I have been working with Barclays and XXXX since XXXX and both keep pointing fingers at the other and claiming it is not THEIR problem. I went into a XXXX branch, hoping to get some help, but basically the person I spoke with called the XXXX # and after wasting a lot of time, received the same response I received from XXXX 's XXXX # - which is we do n't know what you are talking about we do n't see the transaction. I 've asked Barclays for reference numbers but they keep giving me XXXX ach tracking number - which coincides with the ACH transaction number XXXX has used to account for the REJECTION of the funds but Barclays claims that is the only tracking number they have. The ACH number Barclays refers to is supposed to be for the TRANSFER but XXXX calls it a return and Barclays says they have no record for the RETURN/REJECTION of funds - just this transfer ACH - which again XXXX calls the rejection number. However my account at Barclays is missing {$1000.00} and in almost a months time neither bank seems to care or take any responsibility for this error.
I would like to lower my mortgage monthly payment. I know about the pmi reduction and a lower interes that are now in the market. My loan is a FHA and I need to save so.e money because a reunification family and I can not get benefies of any goverment plan or rate reduction because lender XXXX me all the times in the proposawith a very high APR and hidden fees. 
My loan was sold to freedom mortgage and this company wanted to make me get involve in variable interest rate and I almost get into the trap. 
I would like to find a honest lender to refinance my actual FHA loan and get the reduction in my PMI that was lowered by goverment days after my loan closed. 
My credit is excellent it was XXXX in early XXXX although I dont know anymore after aplying to many nation wide lenders that wasnt honest to me. They want good and excellent credit people to get you but not to offer you a better conditions. 
I would like some help with a honest lender recomended by the goverment. Thank you
New information based on CFPB XXXX. We sent a debt validation letter to Wells Fargo on this property, acct no ending in XXXX. This is the information they sent back which is included. Debt was not validated and they are still collecting the debt.
Repeated, numerous telephone calls leaving messages that important information may be obtained by calling toll free number. No further info is stated. Sounds like a scam and refuse to return call.
XX/XX/2017 XXXX XXXX XXXX, AZ XXXX GM Financial XXXX XXXX, TX XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim my account was charged off {$18000.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.