WillisBack/dataset-financial-user-claim huggingface dataset:
PNC MORTGAGE letter dated XX/XX/XXXX stated : Between XX/XX/XXXX and XX/XX/XXXX, In fact, the Borrower did remove personal items on several occasions. 
This is not the Truth with intention, cause Harm to the HomeOwner XXXX XXXX stating that the HomeOwner XXXX XXXX remove personal items, until now the HomeOwner XXXX XXXX is on the street without anything/nothing, struggling for life, suffering, agony in a death situations. The PNC Mortgage/XXXX XXXX  forclosing fiercely, lock-out the HomeOwner XXXX XXXX, put in jail, accussing demolishing the building/house, the mail box was disconnected, ruined the personal good name to the student that XXXX XXXX did not pay the house payment, ruined the business name to the school XXXX therefore the XXXX XXXX could not get the student anymore : business termination, credit score ruined can not get an apartment : living on the street, credit score ruined can not get a job : arrested record, forclosure record, multiple bankruptcy record, the attorney accusing bad faith, Defraud the XXXX XXXX, all of the above is attacking the HomeOwner who already built the house for retirement, get kick out/evicted on the street, the single old ill : XXXX XXXX the HomeOnwer XXXX XXXX XXXX situation on the street, the Attorney XXXX keep asking money for TILA Rescission to a Homeless XXXX XXXX.
Chase is my mortgage company for my home at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX with PIN no. XXXX. I have an escrow account set up for this loan. On XXXX/XXXX/2015, Chase mistakenly used the money in my escrow account to pay the property tax of another property with PIN no. XXXX. In XXXX, I have received a letter to inform me that I need to pay the escrow shortage for {$8700.00}. This amount includes the amount mistakenly paid for other property 's property tax. I called Chase to get this issue resolved. They said that it would get fixed in one week. One week later, I received a letter stated that I needed to go to the XXXX County office to ask for my escrow money back. I went to the Chase back office to understand the situation. The customer service told me that I did n't need to do anything. The issue would be fixed in one week since Chase made the mistake and Chase would fix it. One week later, I checked online. Nothing happened. I went back to the Chase office. This time, the customer service informed me that I needed to go to the XXXX County to ask the money back. Chase can not do it for me. There is nothing they can do for me. I went to the XXXX County office today and the clerk informed me that if the other property owner does n't pay the property tax, they would not be able to refund me the money. This is a very frustrating situation. Chase has made the mistake and refused to fix it. I should not be the one who needs to fix the situation. Chase 's action should be considered unethical and illegal.
Had no idea I owed the Debt Collection Company any money for an apartment that I rented. When I moved from the apartment I owed no money to the apartment complex. Balance of {$500.00}
In XX/XX/2018 I applied for a credit card and was denied because my information did not match my SS number. I was told by Equifax that one number was off. I faxed and mailed my identification ( total of 3 times ). I received a credit report stating I was also known as a woman ( I am a XXXX year old man, XXXX at the time in question ), in a different state with multiple accounts that were not mine. I filed the dispute paperwork online and mailed in a copy. I received multiple emails from Equifax stating the dispute was resolved with instructions to access it online. However, I can not access it online because I get an error stating the information does not match. I have called numerous times, all I want is an updated copy of my credit report because I am afraid it was not corrected properly since I am unable to access it online. I have emailed Equifax numerous times and am told to call customer service. Everytime I call, I am put on hold only to be told their computer system is down. All I want is a copy of my credit report and I seem unable to get it. The other credit reporting agencies had my information correct.
Good morning, An employer whose fictitiously written a check in the amount of {$1900.00} asked me to work as a mystery shopper and XXXX XXXX XXXX, XXXX, as he stated that after shopping at XXXX for {$50.00}, keeping {$250.00} as payment for writing my survey, was to redeposit that XXXX money order back into my personal Wells Fargo account for the remaining balance of {$1600.00} for the next service agent 's survey. 

I contacted the initial XXXX party website at : XXXX ( XXXX XXXX of XXXX XXXX XXXX Police, XXXX, XXXX, CA ) whereby they referred me as an employee and later I informed him of this phising scam and so he took a report. I said to him {$1600.00} was redeposited into my bank account as XXXX XXXX fowllowed me with my cell phone and cash was passed onto the next service agent. At no time did I understand by the XXXX that this was a phising scam, but Wells Fargo Bank bounced a fictitious paycheck that cleared on XXXX/XXXX/2015 and then, bounced on the XXXX. By that time, the cash was already deposited into XXXX XXXX XXXX across the street and I lost out on the total of {$1900.00} for alias account holder : XXXX XXXX XXXX account no, XXXX XXXX XXXX. 

Please let me know if there 's any restitution for this matter. 

Thank you, XXXX XXXX XXXX XXXX XXXX, CA XXXX
XXXX XXXX is reporting a charge off on my credit report from an old credit card debt. I requested this company send me proof of the debt and they have yet to respond, I requested proof through the credit bureaus and they updated my profile saying it was my debt without showing me proof that the debt belongs to me.
These people, that change staff often leave threatening voice mails to take legal action and then call you the next day that I should call them and make a small payment. It is not against to be in debt. Do not call with threats one day and when you realize that what you said was illegal, call back the next day as if I did not save the voicemail transcription. These people call everyday when they know that I am at work. I get off late so I have to let them leave voicemails. Saturday comes and they call. Then they will call from what I believe is a cell phone. But when I try and call back, it is blocked. That is harassment. Once again, it is not against the law to be in debt. Maybe Im paying slow due to job issues but I always catch up. This type of behavior by their staff that changes monthly is unacceptable and very troubling. They need to know that threats will not get them paid any faster. I am recording each time that call daily and on weekends and Ive saved the cell numbers in which they call from. Ill continue to report them until your company deals with the issue. Threats will get them nowhere.Also where is my written notice within 5 days of the threats? Can I have this is writing.
I filed an complaint with CFPB in XX/XX/XXXX, Complaint # XXXX against XXXX XXXX XXXX, On XX/XX/XXXX I received an response from XXXX XXXX XXXX via CFPB, stating that all three credit companies would be updated to " Paid in full '' and never late. I applied for a credit card today and learn that their is still a charge off on my credit reporting from XXXX XXXX XXXX. I had spoken to a manager with XXXX XXXX XXXX in XX/XX/XXXX and made them aware that the information had not been removed for my credit and was informed that it was removed. I spoke with Equifax today XX/XX/XXXX and was informed that the charge off is still reporting and an additional inquiry was added to my credit from XXXX XXXX XXXX, which they were not authorize to place an inquiry on my credit.
this is fourth time that i fiiled a a complaint against XXXX they are not understanding or taken rwsponablity for what has happen and follow what others from the ecutive branch is willing to to. according to my congress and senator when and id is stolen the company has 120 days to look into it and no extra charges will be put on the account and the account closed right away. then because XXXX   has not issue a new card with in the expired date shown and still let the card be used its illegal. that two years ago ll banks and business with credit cards had 90 days to give a new card with a chip this was not done. there for XXXX is breaking the law. then because XXXX has sent every month from the last complaint that they would be willing to pay have the paymnt until this is paid off according to the federsl trade commission and business association and my senator and congress that XXXX   has admit wrong doing and there for to up held the agreement with the customer to close out the account and wipe out the debt because they are not traing there cashier to check id ask for name address and how long they had the charge crard and look and the expire date because it should not been used it should of been taken and cut up and a new one issued at the store or by XXXX. because XXXX  refused they brake the law
I received a call from XXXX XXXX XXXX or as they call themselves XXXX. I was told that I have to pay my Citibank Bill immediately or they will pad lock my front door and the sheriff will be coming to arrest me. I then called one of their offices, and spoke to a XXXX XXXX who claimed to be the COO. He became belligerent and cussed at me. He told me that is why I am in collections because I am a loser. My XXXX year old daughter heard this as the call was on speaker phone. She started crying and asked why this mean man was calling you a loser Mommy.
In XXXX 2014 I needed to replace my old vehicle. I regretfully purchased one from a dealership which led me to believe that due to my credit situation the financing deal that they got me was the best that can be done. They informed me to revisit them in 8-10 months to refinance. The cost of the vehicle was {$9500.00} at an interest rate over 20 %. Nonetheless, I signed the contract and for over a year and a half, the balance barely declined. I did go back to the dealership after 10 months as well as tried to refinance on my own only to be told that I was upside down. The {$9500.00} vehicle was only worth about {$2000.00}. No one would give me a loan. I was doomed. I feel as though 20 % was outrageous and bordering illegal. I even reached out to the bank on a few occasions requesting that they lower the rate or refinance and they informed me that was n't an option. I struggled and suffered tremendously until I got a break this year and traded in the vehicle for a lease. Of course I still had to roll in the balance owed on the vehicle but I am no longer subjected to an inflated interest rate. I 've never felt so foolish.
I try to call four times their answer machine keeps hang up on me AndI try to email them twice. 
XXXX + XXXX
PayPal has again hijacked my credit card as a " backup payment source '' without my input or permission. This is a follow up to Case number :  XXXX .
Portfolio Recovery Associates comes up on my credit report every couple of years with new dates, they have called my sister, my parents, my boss and stated I was in legal trouble and going to be arrested if I didn't call them back. I had the attorney general in MN contact them 10 years ago and they promised to stop but every couple of years they start again. They have two bogus collections on my credit report that I can't seem to get rid of.
we borrowed a total of XXXX and we agreed to 35..65 % on the loan, they are charging us XXXX finance charges for this loan, that is over 90 % charges in interest for this loan. the interest should be XXXX. I called the company and he claims its because the loan is for 4 years. so he is charging us 35.65 % every year the payments were set on the balance. also they have the titles for collateral. this happened on XXXX/XXXX/XXXX
I have been trying to lower my payments, figure out a different payment plan, or defer my payments since XXXX/XXXX/XXXX. I spoke to numerous ppl through Navient and each person I spoke with would tell me that I had already exhausted all of my options, and that I just needed to make the payments. As a XXXX XXXX XXXX XXXX XXXX XXXX, and also taking care of my XXXX father, I am unable to make the outrageous payments that they state I need to make, which has now ruined my credit.
Received harrassing calls at all hours of the day including nights & weekends. I am not the head of household where my address is listed & I am being informed by her that she no longer wants calls from debt collectors on her landline phone due to me. Specifically Chase company is harrassing her late at night & on weekends after she has already informed them that the number they are calling is not mine.
On XX/XX/XXXX, I received a letter attempting to collect for a hospital visit on XX/XX/XXXX. The only information provided was that the amount is {$420.00}. I do not owe on any hospital bills, nor did I go to a XXXX XXXX XXXX hospital on that date. Also of concern is that Nevada Statute of Limitations does not permit collection on debt that is 10 years old, let alone debt that is not verified or owed. 

The company is falsely representing that I owe money and did not verify any necessary information, and is not adhering to Nevada FDCP.
Aargon Agency is reporting a debt that does not belong to me. I have disputed the debt with XXXX several times. The agency refuses to remove the debt and does not provide documentation of where I signed paperwork agreeing to this charge. XXXX reports that it is an accurate charge without any proof of how they have arrived at that resolution. In fact, XXXX has deliberately delayed resolution claiming they did not understand my request. Then, delayed my request a 3rd time saying the same thing, the report is accurate without any determination of how they arrived at my responsibility for a bill that does not belong to me. I want this item removed immediately.
I can no longer pay my bills or check any of my accounts online with Citibank. 

On Tuesday, XXXX XXXX, 2016, I went to the Citibank website to pay bills. I received a message " Time to Update Your Browser. '' My browsers are updated to the highest version my computer hardware allows. I have no way to get to my Citibank accounts. 

After much digging, I learned that Citibank updated their software the previous weekend. They did not provide a backup plan for account access by customers with older computers. There was no notice before or after this change. Citibank denied knowledge or involvement.
After repeated calls from a blocked number to a personal reference from my application, my brother answered the call. He was told by the agent that he should contact me to tell me that there were charges/complaints being charged against me for this account. Speaking to a third party about anything more than contact information is in violation of debt collection laws. I called the number and spoke with an agent. When I asked about the call to my brother they stated they could share any information they had with anyone.
I applied for an automobile loan through XXXX. They went to Ally to get the loan. I was turned down for a loan due to a very low score from one of the agencies, XXXX XXXX.  Their score was 100 points lower then each of the other agencies. Trying to get anything from them requires photos and copied forms of ID. Having never heard of these people prior to this, and them not listed on anything else, I have other loans, all which are paid off except my home loan, I am not about to send them anything until I have no real choice.  They can not provide, will not provide, how they determine this score, or any reasons why the score is low.
XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, XXXX XXXX Director XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Dear XXXX XXXX ; Again, SPS is not flexible and does not have the capable of addressing my concerns beyond a packaged administrative response. 

Please intervene on my behalf a review my proposed settlement. 

In addition, it has recently come to my attention that SPS is challenged with privacu and mananging authorizations. 

I am requesting that SPS submit the history of authorization request and confirmations for servicing of my account.. 

Thanks XXXX XXXX
upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being XXXX, Equifax and XXXX attached you will find supporting documentation. the accounts that need to be removed are XXXX XXXX, XXXX, XXXX and XXXX these accounts are not mine and have landed on my reports as an result of identity theft and fraud.
applied for loan was approved then before closing pinnacle credit service put account on my report. It not mine so started process to dispute. XXXX states items not changed and remains on report. I have spoke with pinnacle they have not proof of account just name and amount due in computer. They say they are 3rd party. Gave me another name and number to first national collection they state they have no proof only name and amount in computer and are a 3rd party and works for Pinnacle. Pinnacle states it is with XXXX. Called XXXX and they said the do n't have anything for me now or ever in the past that went to collections and that I have not done buisness with them in 9 years and it was a car loan that was paid in full and on time. Pinnacle refuses to remove and refuses to show proof of dept they trying to collect. All XXXX will say is dept was updated by pinnacle as mine and they can not take off report. Started dispute in XXXX did n't get answer till XXXX XXXX.
I got a loan with Navient for school. When it came time to pay i had set up automatic payments with them from my bank. They stated it would be more easier that way and also save me a percentage on the loan through lower interest with on time payments. XXXX payment was made this way and after that they said i was late in paying which was impossible because it was automatically set up and the funds were there. I fully believe they manipulated the payment some how just to stick me with higher interest through FALSE/DECEITFUL business practices. Im very upset with them but stuck with Navient until my loan is paid in full. When i inquired about another copy of the letter they sent me telling me about my rejection from the program they were not forthcoming.
Worked with a counselor found through XXXX ( from XXXX ). She was great. I explained that I had lost my job and that I wanted to see what I could do to not lose my home due to my loss of income. We spoke with Ditech, my mortgage company, and they suggested I fill out and send them XXXX things : a Request for Mortgage Assistance form and a XXXX. I did. Today I finally got through to someone to check on the status and was told that I was denied assistance because I was n't in danger of default. My unemployment income is half of what I was making, and I was barely making ends meet before losing my job. So now I have to file an appeal with more supporting documents, even though they could n't tell me what those documents might be. I 'm trying to get out in front of this thing BEFORE I miss a payment, but they seem only willing to help if I 'm already in trouble. I 've read about companies doing this sort of thing -- denying help until it 's too late, then stalling. I do n't want that to happen to me.
I received a text message from XXXX XXXX on XXXX XXXX, to " discuss mortgage options ''. I wrote back asking how did you get my phone number. I wrote, " I do n't know GSF. Are you a mortgage company? Where are you located? 
XXXX XXXX wrote back, '' Did you go anywhere online requesting mortgage info? I 'm physically located in Michigan. But I 'm licensed on a state and federal level in Indiana. Actually do more business there than any other state. GSF Mortgage is a private direct lender. We have an A+ rating with the BBB and have been in the industry for over 20 years, so we made it through the worst of times in the industry. '' On XXXX XXXX, XXXX, we spoke via telephone, I gave XXXX XXXX my social security number, and I informed him that I did not want my credit score to decrease by him looking at it. He stated that he will do it a way where my credit score will not be affected. My credit score did drop my 10 points, after XXXX XXXX looked at my credit score. 
On XXXX XXXX, XXXX XXXX, sent me a email requesting that I submit, my drivers license, social security card, two years of my W2 and tax returns and a month supply of my most recent pay check stubs. I submitted every item to XXXX XXXX via his email with GSF Mortgage, except a month supply of pay check stubs. I sent him a copy of the most recent pay check stub I had available. 
XXXX XXXX wrote back, noting that he needed my signature and my pay check stubs. 
I wrote to XXXX XXXX, informing him that I do not have any pay check stubs and to set up his computer system for signatures. I also requested no fraudulent activities with my personal information. And why he needed a copy of my social security card. 
XXXX XXXX wrote back, noting that Uncle Sam and the Patriot Act request that GSF Mortgage company request a copy of my social security card. I wrote back to him twice, asking for his manager, CEO phone number and address. I have not received GSF CEO phone number and address, nor his manager 's phone number. 
By the way, XXXX XXXX, wrote that I have been approved for a conventional loan, but he wanted all of my documents for the underwriter. 
I have been sickened and worried about my social security card/number and drivers license in the hands of XXXX XXXX, GSF Mortgage company. No company that I have ever worked for, has asked me for a copy of my social security card and drivers license. 
Sincerely