WillisBack/dataset-financial-user-claim huggingface dataset:
As senior citizen and XXXX veteran who now is experiencing a financial hardship due to decreased income and spouse XXXX who is unable to work. My wife and I have fallen behind on a title loan which is secured via a boat title. Our payment history was excellent with PNC Bank until XXXX. Please be advised that we live on this boat in Michigan during the summer months. It is large enough to serve as our residence during that time. Received a threating letter from PNC Bank ( Notice of Default and Right to Cure ) demanding payment of {$9400.00} in less that 33 days from the date of letter ( XXXX15-not received until XXXX/XXXX/15 ) increasing our payments {$1800.00} over the demand period with no consideration or dialogue regarding a customers ability to repay. No concern via PNC regarding the Repay Rule just a threat and oppressive demand to pay under threat and PNC ultimatum. I initiated contact with PNC prior to receipt of XXXX/XXXX/15 demand letter to work out a payment plan to no avail to date. Constantly in contact with PNC Collections ( XXXX ) and Executive Client Relations ( XXXX ) in order to work out a reasonable/affordable payment plan still to avail. I will keep up contact until I have a representative call contact me while many days passed with our any reasonable terms discussed to work out a payment plan. This to prevent reposition of my asset which I have paid on for over 13 years in good standing and promptly. PNC Bank also demands this customer must contact them in writing with a payment plan taking up more time of the 33 day time allotment attempting to place repressive pressure on the customer to relent to their treats and payment ultimatum only. Please contact PNC Bank on behalf of this senior and XXXX veteran to get their attention and work our a reasonable payment plan for this customer which I have not been successful accomplishing as soon as possible. I also believe that PNC acting in bad faith using oppressive collection tactics on other customers like me as well. Perhaps, this complaint will help the CFPB to assist other PNC Bank customers and require this bank to active in a customer centric manner and correct their repressive and perhaps illegal collection efforts in bad faith as in my case.
XXXX Account solutions has been reporting accounts in the total sum of {$3200.00} for four separate accounts. Two of these accounts were also reported by another agency in the same amounts which was inaccurate. I have previously communicated with this creditor in the past requesting validity of this debt and had not received a response. In order to track communication with this creditor so that I can get the information I have been requesting, I sent them a certified letter asking for validity of this debt. I sent this letter via certified mail on XX/XX/XXXX that was delivered on XX/XX/XXXX and received correspondence via letter from this creditor on XX/XX/XXXX. They did not respond to any of my validation requests and have not provided me sufficient information. This information is inaccurate. I have done my due diligence in trying to rectify this situation and they are not willing to work with me or provide me with the necessary information.
XXXX XXXX which I hold no contract with nor have received services from, reported a charge off against my SSN in the amount of {$10.00}, XXXX with Experian, XXXX  and XXXX credit reporting agencies. I requested verification of the debt and account however XXXX failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
What I am asking for is your verification source. As I am told by the bankruptcy court they do not verify information to anyone. I feel my rights to your verification method have been violated and and prompt removal of this bankruptcy should be done because of your refusal to give me the proof and the source of your verification.
XXXX/XXXX/2015 @ XXXX my cell phone rang from incoming call ID XXXX. So, I placed it on speaker thinking is was a telemarketing company. The man asked me by my full name, full DOB ( with year ). He said his full company OF William and Fudge regarding an XXXX matter and anything said would be using those purposes, and that the call was recorded ( not exact words but close to it ). 

I explained the debt is not valid not to call me back contact me again. Also, I sent a XXXX XXXX using tracking # XXXX XXXX XXXX asking 1 ). Verification of any debt related to my so called account 2 ). The nam and address of the original creditor and current creditor 3 ). Forms to assist disputing accuracy of such items. Also, I wrote they compromised my ID data by sharing it without first validating the person he was speaking to before sharing DOB and his agency name. 

Then, on XXXX/XXXX/2015 the same agency called my same cell phone number using a totally different incoming number of XXXX at XXXX. There is a clear violation of the law here. Clearly, the agency was attempted to work around my call blocking of the original number and perhaps hoped in 90 days the number dropped off my cell phone log as must drop off in 90 days. I am requesting CFPB fine them in the amount for the violations of the law. I have XXXX phone records and copies for proof. 

Also, they failed validate their claimed debt. I shared I dropped with XXXX XXXX AND instructor XXXX XXXX if it was related that a dropped class. Also, I provided the school an obituary, and I agree to pay payment plan. The University has a past practise of working with students that had an immediate family member pass. I had other reasons to drop, but they are no about this matter. 

The University contacted me stating they are investigating too. For any balance due, I already have agreed with XXXX to pay them for prorating dates without any upcharges, and they agreed after I am employed. Also, XXXXXXXXXXXX is not accepting payments after I agreed to a payment plan for money not owed once employed. Now, I am advised by legal professionals the debt is clearly not valid given all the documented facts and record that go back two years.
I recently opened an account with M & T Bank, and my debit card was stolen, and used to take out money. It happened at work, so any co worker could of seen my pin standing behind me at an atm any of those days. It is sad that you ca n't even trust your own coworkers!! I called M & T Bank to cancel my debit and order a new one, and I had trouble just ordering a new card, and they could n't process it, so told me to call back in a week! I have no money now and no card! How am I suppose to eat, pay bills, or anything?! The first time I called the representative was so nasty and hung up on me! I just want this bank to help me with this problem. I switched my bank to join the M & T family, and I have gotten no help! They have not given any response or resolve. Not even a provisional credit to get me by! They hit with fees from every angle, but ca n't help a customer in need. SAD!
I WAS CHARGED FOR SOMETHING I NEVER AUTHORIZED AND I NEVER DONE BUSINESS WITH THIS COMPANY. ON XX/XX/XXXX XXXX XX/XX/XXXX I WAS CHARGED XXXX ON MY CHASE CARD # XXXX MY NIECE AND I CALLED CHASE CREDIT CARD ON XX/XX/XXXX AND REPORTED FRAUD WHICH THEY TOOK THE CASE AND PUT CREDIT OF XXXX ON THE NEW CARD THEY SENT ME WHICH WAS CARD # XXXX AND CREDIT WENT ON THAT CARD. I PAID BILLS WITH THAT MONEY AND THEN RECIEVED A LETTER FROM THEM THAT STATED THEY WERE TAKING THE CREDIT BACK. WHICH AFTER PAYING BILLS I SHOULD OF HAD LIKE 17,000.00 SOMETHING LEFT OVER. THIS IS SO BAD THEY WOULD D THIS TO THERE CLIENTS. NOW IM STUCK OWEING MORE MONEY. THIS IS SENIOR CITIZEN ABUSE. PLEASE HELP ME GET MY MONEY BACK. I HAVE NO IDEA WHO THIS COMPANY IS WHO TOOK ALL THIS MONEY OUT OF MY ACCOUNT I NEVER AUTHORIZED THIS MONEY TO COME OUT OF MY ACCOUNT AND I NEVER DONE BUSINESS WITH THIS COMPANY. CHASE VISA SHOULD BE ASHAMED OF THEMSELF. PUTTING A SENIOR CITIZEN THROUGH ALL THIS GIVING ME THE CREDIT AND THEN TAKING IT AFTER WEEKS AND AFTER I PAID BILLS
I had gotten a auto loan with XXXX XXXX in XX/XX/XXXX, and They did repo the vehicle in XX/XX/XXXX for failure to pay. But I have constantly tried to get this company to correct info on my XXXX Credit report where they are stating the account is : 1- Still Open 2- In Collections, Which no one has ever contacted me about this account, 3- Charge-off By this account still showing as open, car dealerships say, it is hard to give me a loan etc. How one account can be listing so many different things I do not know, It should be a Charge-off and closed account etc not all 3..

This is how it was listed in XX/XX/XXXX and still listed as of this complaint, XXXX say they can not change it, etc I feel this is now being intentionally done, This company is very hard to communicate with,
I made a complaint to the CFPB already in regards to this account, however XXXX in the " Office of the President '' left messages with a phone number that we could not reach back to speak with her. Only after calling Best Buy and them sending a message did she actually call. Their process is designed to frustrate and dissuade the consumer from taking action. Her advice was to call the collections department, as she could do nothing. 

Someone who works in the office of the President at CitiBank has the ability to print money, and they can certainly fix this issue. When it was presented to me at the store, it was said to be Joint borrowers, it was also shown on the account as a Joint account so her assertion that he was merely an authorized user at best is false. 

Also they did not let me know there was account issue in the time frame ofXX/XX/XXXX until XX/XX/XXXX when applying for another loan. 

There is a pattern of this treatment of customers on their web fourms, complaints on the CFPB and in Lawsuits already on the records.
Was accepted into XXXX XXXX XXXX by XXXX  college, they do background checks before admission I informed of previous charges. Was told I was good to go, gave XXXX for registration fee and started classXX/XX/XXXX. Went through whole course and completed even given class completion certificate. ( Still have ) Well they had a couple of us double check backgrounds before extern and of course the same system used during admissions pulls up my background they said " I was good to go '' on. Well the " XXXX '' charges ( because thats the main thing you cant have on your background when going to XXXX   school ). Walked into a house my friend was waiting at, didnt know older brother in that house sold XXXX  to a undercover officer earlier that week. And me and my friend walked right into a XXXX   bust, everyone in the home was charged with the same thing since the actual criminal wouldnt admit. Date of offense was XX/XX/XXXX didnt get it expunged till XX/XX/XXXX. So the school would have seen record during admissions and background check. XXXX   from front desk at XXXX college XX/XX/XXXX did state over phone their background checks are accurate, if ever anything missed it wouldve came back with the first couple days after 1st Bckgrnd check. I have spoken with Director of Student affairs who has yet to find background check and stated withdrawal papers states i left do to transportation not realizing I COMPLETED CLASS COURSES, transportation had nothing to do with why i couldnt go to extern. I have filed and contacted Borrowers Defense and student loan comp etc. I was told best thing i did was keep Documents which will prove School Error and not Student error and that I qualify for removal. I have {$12000.00} in debt on acct that all 3 credit Bureaus are still reporting and I couldnt even get certified or use credits. It has my debt to ratio high and preventing me from getting Qualified for loans. I so desperately want to move my family in our first home but I am told I am a Couple thousands to high.
I have a few accounts that have been placed for collections with Evergreen Financial Services. Of those a few of them have been collected via separate writs of garnishment. I recently went to court to have a newer debt that was placed with them validated by the court and was told that I could set up payments for the amount owed. Before I knew it there was a garnishment of my paycheck happening and without a new writ of garnishment. I asaked my payroll department and they forwarded me a document that shows that the writ is a continuation of a writ, but this debt had never been a garnishment to begin with. This made me and payroll think that they were using an old order for a garnishment to withhold on this new debt.
Citi Card opened a Costco credit card without my consent. This was the result of an open Costo XXXX XXXX being rolled over. After opening a card without my permission, I was automatically charged a {$55.00} Costo membership fee XXXX this charge was never automatically applied on Costco XXXX XXXX. Because I had no idea this account was ever opened, my balance went unreported ( no paper bill or electronic notification ) I received my first paper bill of {$140.00} on XXXX XXXX after the account had incurred financing and late fees. After an hour on the phone closing each of my Citi card accounts, I received an email notice of collection of {$1.00} on my Citi Costco. The card was closed, the account was current but somehow there is a collection for {$1.00}? Unacceptable.
Hi, I received a  XXXX   XXXX  Reward Debit  Visa card from  purchasing tires from  XXXX   XXXX . The card was issued by  XXXX   XXXX   XXXX   XXXX . Their phone number is  XXXX . The card expired on  XXXX . I still have funds in the card. I contacted the company, but they refuse to issue to me a new card or a check for the balance I have left in the account. Your assistance is must appreciated.     Thank you.
I noticed this company on my credit report and took actions on getting this matter resolved without any resolution. Starting back in XX/XX/2017, I have reached out by certified letter asking for this company to verify by the two accounts they have on my credit report. The account numbers are : XXXX {$580.00} and XXXX {$490.00}. In said letter it stated that I had no knowledge of the contracts nor did I give permission to anyone to represent me to get said contracts. I requested that physical verification of the original contract and certified consumer contract that is wet ink signed. of any and all accounts that they requested to be posted to my credit report. ( FCRA Section 609 ( a ) ( 1 ) ( A ). Due to the fact that copies are not validation and by law are not considered proof, this company failed to even provide anything at all. Due to their lack of responsibility, these actions have adversely affecting my credit worthiness and as a result I am being denied due to their inaccurate reporting. I demand IMMEDIATE and PERMANENT removal of the two above mentioned accounts from all 3 credit bureaus and their data base.
On XXXX XXXX 2017, I attempted to buy tickets online to a football game from a person using the alias XXXX XXXX. I submitted a payment using XXXX with XXXX on my Chase Mobile App to  XXXX in the amount of {$250.00}. Unfortunately, XXXX never transferred the tickets to me. One hour after making the payment, I called Chase Bank to report the fraud. At that time, Chase told me that the transaction had already been funded, and thus, they could not stop payment to XXXX 's account. Chase then opened a claim, and tried to receive the money back from XXXX 's bank. On XX/XX/XXXX, I received an email from Chase, stating, " We researched your claim and determined that the transactions are valid, so they will remain on your account. '' On XX/XX/XXXX, I filed a police report with the XXXX Police Bureau in hopes of catching " XXXX '' and getting my money back. On XX/XX/XXXX, I called Chase again with the request to reopen my claim and look into my police report. The woman I spoke to in the claims department reiterated that since I initiated the transaction, it was not considered fraud. She also said that a claim had been filed with XXXX 's bank, but that bank would not refund my account since the transaction had been funded. She would not share which bank XXXX uses, so I can not go after that bank in order to get my money. She also refused to consider my police report and did not write down my case number. I was basically told that it was my fault, and I needed to resolve things outside of Chase Bank. I, unfortunately, have no other way to resolve things because 'XXXX XXXX XXXX wo n't respond to any of my messages. I know {$250.00} is n't much money to Chase Bank, so I would like them to return my money.
I have a fraudulent account listed on my Exprian report that was previously removed 3 times in the past. XX/XX/2018
Received legal statement/ from Discover Student Loans regarding CFPB legal action and settlement information for account holders. This letter contained information regarding my account, stating that it was eligible for a {$75.00} account credit for applicable servicing years. I have yet to see this credit applied to my remaining balance. I have called on XXXX separate occasions to inquire about when and how this amount will be applied. They have told me that the {$75.00} was applied to my XXXX XXXX statement, however, all deducted payments were made by me and my checking account funds. When I called the second time, I was passed around to XXXX departments and made to feel ignorant about their financial procedures and told that a special statement would be created to illustrate how this {$75.00} credit had been applied. To the best of my knowledge, all deductions to my principal account balance have come from my personal checking account. I have just received this " special statement '' and it is nothing more than loan information, original disbursement information and contains information about credit reporting. Nothing about your judgment against them for their illegal servicing practices with their student loan borrowers. I have had many issues with them over the duration of our contractual agreement, including upping my interest rate to above what they currently offer to new borrowers, taking additional payments on my account and applying them to interest, however, they were additional payments made to be applied to the principal, furthermore, I was instructed by their representatives to seek out plasma donation sites for income when I was out of work in XXXX and asking for a 30 day deferral.
I was told by a Wells Fargo employee that I would not be charged a fee to use my XXXX XXXX XXXX Credit card while overseas. The information regarding fees was not disclosed at the time that I opened this credit card. I was in XXXX for over a month using ATM machines. I now am responsible for {$110.00} in fees. I feel like the information I received was misleading.
The debt was opened in error by the Provider, who knew that was opened in error and never stopped it from being sent. I went to the doctors office and never received the service, which was still billed. I called my insurance company and they advised they were unable to stop the claim the doctors office would have to do that. 

I then left it alone and never followed up until I went to make an appointment and was told I could n't as there was a billing issue. I spoke with the billing department who cleared the issue and noted they did see in their notes of the mistake. I also asked them to have this pulled back from collections as it was sent in error. The billing department for XXXX XXXX XXXX XXXX XXXX said it would. This call was done in XX/XX/XXXX and still reflects on my credit report. 

The debt agency, which is a third party also made multiple contact calls to my cell phone, without my permission from a dialer. 

I also submitted a credit dispute as the item was reflected on my credit report, which was rejected and the collection agency said it is not their fault they are just collecting the debt.
In response to a previous complaint where PRA has been dishonest and stated they did not receive notification from me about the two accounts they claim they bought from. I sent PRA a letter CERTIFIED MAIL on XX/XX/XXXX and it was signed for by PRA on XX/XX/XXXX @ XXXX XXXX. So they claim they are making is utterly FALSE and I have been disputing this fraudulent account. 



In response to your complaint, Portfolio Recovery Associates, LLC ( PRA ) investigated and verified the PRA accounts ending in XXXX and XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time. PRA purchased the XXXX XXXX XXXX ( XXXX ), XXXX. ( XXXX XXXX ) XXXX  credit card account ending in XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXXXXXX Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for and used by XXXX XXXX whose social security number ends in XXXX and that a balance of {$400.00} was due on the account at the time of PRA 's purchase. PRA also purchased the XXXX XXXX XXXX   credit card account ending in XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX. Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for and used by XXXX XXXX whose social security number ends in XXXX and that a balance of {$360.00} was due on the account at the time of PRA 's purchase. PRA sent its initial notification letters to you on or about XX/XX/XXXX. PRA has no record of a response or a dispute being received in relation to its initial notification letters. PRA received and responded to several disputes, which we received from you and consumer reporting agencies. In response to your disputes, PRA previously sent you the attached letters containing validation.
The Penalty fee is too much. For only 4 days of late payment. 

Dates : XXXX XX/XX/17 was the past due. I pay on XXXX. XXXX/17 I do require a credit for {$35.00} in my account. [ complete penalty ]
I went on experians web site to get my free credit report and fill out what they needed and answered questions that seemed to be inaccurate and then was denied and asked to mail in my request. i had the same issue with equifax and currently have a dispute going with them seems the information they have is wrong or they wish to discourage people from being able to get there report for free
My wife and I invested in XXXX, XXXX, XXXX, ( parent company : XXXX ) in 2001. We purchased the stock @ {$10.00} share and added more stock over the next couple of years @ {$10.00} to {$11.00} per share. The stock grew to over {$20.00} and settled around $ XXXX/share. One Friday morning, with no notice before, during or after, the FDIC closed the doors of the bank, turning the assets over to Umpqua Bank of XXXX. We lost approx. {$280000.00} of our retirement and never heard a word from anyone at FDIC, the bank, it 's board or anyone else. The only contact left was Umpqua who were not responsive to our requests for more information and did we have any alternatives to what happened. This destroyed our XXXX as we are now XXXX years old and have very limited funds. Do we have any recourse? We desperately need the money or some portion of it to sustain our lives. The closure was a few years ago now, but we only recently found out about CFPB. Please help.
Experience is reporting incorrect and inaccurate information on my credit file. I have tried to get it corrected with them several times now and it has still not been resolved.