WillisBack/dataset-financial-user-claim huggingface dataset:
PNC Loan # XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX PNC has never allowed this homeowner to be reviewed for Home Retention Options. 

The homeowners started the short sale process with PNC XX/XX/XXXX - FOUR YEARS AGO. Since the then PNC has inundated the homeowner with multiple requests for the same documents. PNC then allows only a short window of time to return the documents, after which they close out the file, and force the homeowner to start over with completely new and different forms. 

The homeowner has left voicemails for XXXX XXXX ' - her SPOC ( Single Point of Contact ) - at PNC multiple times. XXXX has not once ever returned a phone call. 

We have faxed a Payoff Demand to PNC on XXXX/XXXX/XXXX. We have not received any kind of response whatsoever. We have also faxed a complete short sale package to PNC. They have also not responded to this package. Essentially we have received the same treatment from PNC that the borrower received. 

In fact, the borrower had to get an attorney involved just to get PNC to respond in any way whatsoever. In total, they have worked with a total of XXXX real estate agents, XXXX attorneys, and a professional short sale negotiation company. PNC refuses to respond in any way whatsoever - to anyone. PNC refuses to return phone calls. PNC refuses to provide documents such as a Payoff Demand to the homeowner - this is a violation of their servicing guidelines. 

PNC has never allowed this homeowner to be reviewed for Home Retention Options. 

.... And PNC does n't care.
I applied for a student loan while I was in school. I paid interest on said loans almost the entire time that I was in school. Now I am unable to paid anything on my student loans due to loss of employment and my spouse is working on getting his XXXX. The loan was made through XXXX which now navient. They have since sent my to collections
In XX/XX/XXXX my sister passed away. She had a health care savings account. I am the Executor of the will. In XX/XX/XXXX I contacted Bank of America to notify them of her death and request release of funds. I was told to send a copy of the death certificate which was faxed to them on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Bank of America requesting additional documents which stated I needed to send 1. I immediately sent them another death certificate and the XXXX XXXX XXXX XXXX. This was sent on XX/XX/XXXX. On XXXX XXXX, XXXX XXXX and XX/XX/XXXX I sent the same information along with telephone calls. Telephone calls were also made on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I was told that they would have to send me a Beneficiary Designation Form which I informed them that she could not sign since she had died. I filled out the form and faxed it back to them on XX/XX/XXXX. On XX/XX/XXXX I received a letter saying they needed additional documents. I spoke with my attorney and the office of the Probate Courts and both told me that those documents are not necessary. They both informed me that they are just delaying payment. On XX/XX/XXXX I contacted Bank of America once again by telephone to resolve this to no avail. On XX/XX/XXXX I was informed that they did not have a death certificate and now they needed different forms. I called them again on XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. I can not get any resolve to this matter. There should be {$480.00} in this account but Bank of America keeps deducting monies from the account.
I request explanation of the personal information record Experian credit bureau had and the reason why they are selling my personal information without my consent to companies ( XXXX XXXX ) that solicit their services to me attacking me over and over with their letters. 

This information was sold to company outside financial sector. 

The XXXX XXXX refused to take my name from their list of Cremation Prearrangements excusing themselves that next time Experian credit bureau sells them the information about the people with the certain age my name might be there again and XXXX XXXX is NOT going monitor these lists.
Navient has been unresponsive after I 've asked to speak with several managers. I have called them consistently since summertime as my automatic payments were not being taken out. They say it came back as NSF, but my bank says it was never billed. Then Navient admitted to having IT issues. Late fees, interest, you name it. After calling to resolve many times, they offered me payment options and promised to repair my credit damage of their reporting me. After making each payment, they would change the terms and tell me I had to pay additional money or pay this or that, and then they would rescind the negative info. I finally scraped up the money and paid what it said I was past due on after their lies - and the online account still shows I owe money as of XX/XX/XXXX and its XX/XX/XXXX - so my payment made on XX/XX/XXXX obviously did n't post although it was taken from my bank account. I called again today and requested that a manager call me back - nothing yet. Supposedly they record all calls - well, someone should listen to all the lies they 've been telling me over the months and changing the agreements. It is unethical and immoral. They are ruining students lives! Check the recordings and the call logs - I 'm the one who calls them! And if they ever seldom call me, they NEVER leave a voicemail but the recordings will prove they LIE and say they did leave a voicemails, and I dispute that and tell them they are lying directly. Listen to the recordings!
I have reached out countless times to Credit Management and advised them that someone not only got an apartment in my name but proceeded to get cable as well. I've advised them that the account is not associated with me. Although the balance does not belong to me, I've tried to come to a settlement to simply get this debt collection off of my credit report. Credit Management will not budge. I proceeded to dispute this with my credit bureaus and was told that Credit Management has accurate information therefore they are unable to remove this collection account from my report. This collection report is making it impossible for me to do what is needed in my household credit wise due to high debt reports. This account does not belong to me.
I had a checking account with Bank of America. It was a fairly new account. On XX/XX/2019 my account was closed for no reason. Turns out they can close it at anytime without reason or notice. Then on XX/XX/2019 my direct deposit went to the bank. Instead of returning to my employer they accepted it. Dont know how you accept a deposit on a closed account. Anyways went to bank and was told they couldnt give me my money. Closing my account that has never been overdrawn is one thing but keeping my money is not acceptable. The total is just over {$2100.00}. They say it will be mailed to me. I use my debit card for everything so how do I get the things I need or pay my bills on time. I have good credit and plan on keeping it that way. I was one of five people this happened to last week.
We have been asking national credit systems for multiple years to send us verification of the charges that they are trying to collect. They always say they have the information and will mail it to us. It never comes so a few months later they call again. We have asked them to email or send the information certified mail to make sure we get it. They have told us that their company does not do that. I have disputed this account multiple times to get it off of my credit report and they will not remove it because National Credit Systems keeps reporting it as a delinquent account.
The resolution of the previous complaint was in my favor, and equifax reported the proper XXXX balance on my credit report. However, I checked my credit report again, and the original incorrect balance is posted back up again, three months later. Apparently, equifax forgot that they agreed to report the proper balance of XXXX dollars. I want this fixed as soon as possible, with the same resolution ( XXXX balance reported and not currently charged off ). 

Original Complaint is as follows : " Fell behind on debt, and XXXX issued me a 1099-c and forgave the debt. Included 1099-c forgiven debt as income on taxes 3 years ago. Recently, this supposed debt to XXXX popped up on credit report. There was a past due balance on the credit report. Filed disputes with all three credit reporting agencies, and after several disputes and sending all of them a copy of the 1099-c showing that the debt was forgiven, both XXXX and XXXX changed my credit report to properly reflect a XXXX balance on that account ( XXXX still refuses to stop reporting a balance on the debt to all XXXX reporting agencies, even though it was forgiven ). However, Equifax has refused to make the appropriate changes even though I have submitted all the information and the copy of the 1099-c. Equifax told me over the phone that they basically report anything that XXXX tells them to, even if it is false information. They said they could not change the report, even when there is concrete evidence that the debt was forgiven. This is absolutely not true. I warned Equifax that if the information was no updated accordingly ( Equifax has a legal duty to report the truth after their investigation, not just anything that XXXX tells them to, regardless of veracity ), I would contact the CFPB, and they would be able to sort this mess out. I have documentation of the 1099-c, a copy of the letter I wrote them, and a copy of the Equifax investigation result, which did not change anything. ''
Call from D and A Services XXXX about a personal matter. They are a debt collection service trying to satisfy a debt and the call was recorded. I do n't owe such a debt. Left a message for me to return a call to XXXX. Asked me to verify my last four of SS number and dated of birth. I told them I do n't give out personal information to anyone I do n't know, especially over the phone. Then she attempted to verify my identity by giving me a bogus address. I told them that was n't me or my address and she asked for my address. I told them not to call me anymore. They said they would remove my name from their call list. This was a phishing scam.
I checked my credit report to I noticed Several inquiries yet again, that do not belong to me. Please remove this from my credit report immediately as this is poor judgement with on my character and credit worthiness. 

XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX-Inquiry : XX/XX/XXXX XXXX XXXX-Inquiry : XX/XX/XXXX XXXX XXXX-Inquiry : XX/XX/XXXX XXXX-Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX-Inquiry : XX/XX/XXXX
I WAS CHARGED ON MY ON MY VISA CREDIT CARD FOR SOMETHING THAT I DID NOT AUTHORIZE ON XX/XX/09 FOR XXXX .. I CALLED VISA SEVERAL TIMES IN XX/XX/2009 WHEN THE CHARGE WAS ON MY STATEMENTS AND THEY NEVER DID ANYTHING TO HELP ME. I HAVE BEEN CALLING IN TO THEM EVER SINCE AND THEY ARE NOW TELLING ME THAT THE CHARGE IS TOO OLD AND THEY CANT HELP ME. I DONT UNDERSTAND HOW THEY CANT WHEN THEY SHOULD HAVE IT DOCUMENTED THAT I HAVE CALLED IN THE PAST AND THEY ARE TELLING ME THERE IS NOTHING THEY CAN DO NOW. I SPOKE WITH A REP NAME XXXX XXXX XXXX XXXX AND SHE WOULD NOT PUT ME TO THE MANAGER BUT JUST KEPT SAYING THAT THEY CANT HELP ME.. SHE WAS VERY NASTY ALONG WITH THE OTHER REPS I SPOKE TO. THIS IS MONEY THAT WAS TAKEN OUT OF MY ACCOUNT WITHOUT MY CONSENT. PLEASE HELP ME TO GET THIS MONEY BACK. I LIVE ON A FIXED INCOME AND CANT AFFORD TO JUST LET THIS MONEY GO. I HAVE BEEN PAYING MY BILL AND IM SURE THE BALANCE FOR THIS TRANSACTION HAS BEEN PAID BY NOW BUT I COULDNT JUST LET IT GO THAT WOULD BE ON MY CREDIT AND I DO NOT JUST LET BILLS GO TO GET A POOR CREDIT REPORT. IM SURE YOU UNDERSTAND THAT BECAUSE VISA DOES NOT. PLEASE HELP ME GET MY MONEY BACK. THIS IS SENIOR CITIZEN ABUSE
On XXXX XXXX 2017 I sent a letter to this collection agency referencing an alleged debt in the amount of {$2500.00}. I sent specific request for verification of the alleged debt they said I owed. The Collection agency returned a statement showing the alleged account was opened in 2017. I have no such knowledge of ever opening any account with alleged creditor or collection agency. 

I also sent written request for collection agency to provide documentation of : signed contract by me of the alleged account, verification from original creditor of date of initial and last payment of alleged debt, documentation collection agency purchased the alleged debt from original creditor to include a copy of agreement and or contract. 

The written request from me to the collection agency clearly communicated supporting documentation needed to support their claim. The requested documentation was not returned. This is why I am requesting the assistance of the Consumer Finance Protection Bureau.
Re : XXXX XXXX/ XXXX XXXX XXXX XXXX ( acting as agent for XXXX ). 
Transaction : Rental of passenger automobile on XX/XX/XXXX-XX/XX/XXXX at XXXX XXXX XXXX XXXX Airport. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). 
Issue : XXXX/Viking claim damage to vehicle after returned. Damage to front lower bumper of approximately {$1500.00}. 
My reply : XXXX performed a 'Pre-rental inspection ' as required for renting a vehicle that is part of their 'XXXX XXXX '. Inspection showed lower front bumper damage in addition to missing 'XXXX Oil cap ' on engine. 
XXXX Response-Unable or unwilling to provide documentation other than general rental agreement copy. Would not provide copy of 'Pre-rental inspection ' form. I already was in possession of said document and failed to keep a copy of the 'Pre-rental inspection ' form that would have put an end to the issue. XXXX ' website refers to the requirement of a 'Pre-rental inspection ' form as being required. XXXX/Viking filed a claim against my auto insurance policy but my insurance company is denying claim as XXXX/Viking can not provide sufficient documentation to prove their case. 
Conclusion : Rental companies I have read do this all the time without proof, placing in collections affecting good credit standing.
We have an existing HELOC with TD Bank and they are sending us a lot of paperwork to review our loan. which is secured against our house. The problem is as follows : sending paperwork to the wrong address after we corrected it so we did not receive it. Sending us an email only on the XXXX. stating we have until XXXX XXXX to provide a lot of documents or they will term our loan out. I believe it is a loan they call XXXX, a term used within TD, which does not have an expiration date on it. So the contract was written incorrectly, in my estimation only. They are trying to push clients to terminate these loans and refinance. This is not our fault. XXXX should be looked at as a separate matter. We paid off our corporate loan, our HELOC on our second home, and maintain over {$700000.00} balance cash in the bank from the sale of that home. We were told our credit score was XXXX when in actuality it is XXXX, XXXX and XXXX. Also they said there is a judgement from XXXX XXXX ( which is incorrect ) for {$740.00}, which is a ridiculously small amount to bring up when compared to our timely payments on XXXX different accounts. We are working to have that eradicated. Even with that satisfied judgement my scores were that high. In the last five years we had XXXX late payments to TD on our mortgages, never delinquent. At this point, we owe {$100000.00} on a {$300000.00} credit line ( which we want to keep open ) on our HELOC and {$360000.00} primary mortgage which is secured by a property of {>= $1,000,000} with a {$700000.00} savings account. I want to keep our HELOC and not be forced out by TD. I have asked for a copy of the original contract that says they have the right to review it after 5 years and am yet to receive it.Their suggestion was to take our {$700000.00} of savings, put it with their wealth management team and be charges 1.4 % management fee per anum and then they would give us a {$300000.00} line against our stocks. It seems like a large conflict of interest and somewhat risky. I do not see where we have done anything wrong. I am XXXX, near retirement, and I want to keep that line to start a XXXX in Vermont. Incidentally, if they term us out, it will be a fixed payment over 10 or maybe 20 years but an interest rate of over 5.2 % and we are currently paying 3 %. But it is a fixed payment where we could not pay early or re-borrow again. It is an entirely different structure and would indirectly force us into not managing our money they way we want to.
I am filing this complaint because Transunion has ingnored my request to provide me with documents that their company has on file that was used to verify the accounts I disputed being that they have gone past 30 day mark and can not verify this account, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to '' promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. thank you
In XX/XX/XXXX I opened a mortgage with XXXX that was later foreclosed and then sold to Ocwen on XX/XX/XXXX. On my credit report it shows XXXX " account opened XX/XX/XXXX '' and Ocwen " account opened XX/XX/XXXX '' It also shows Ocwen then foreclosing on the home again in XX/XX/XXXX. Paperwork per XXXX County Property records show Ocwen did not take over this property until XX/XX/XXXX. My report is showing that I had 2 open mortgage accounts at the same time by two different mortgage companies when I did not. This has affected my credit score and Ocwen will not properly state the date they took over the mortgage. I have contacted XXXX who removed Ocwen off my credit report, I also contacted XXXX file # XXXX on XX/XX/XXXX I  recieved a decision from XXXX of my dispute, but the information was still the same when I called they informed me that even though I had provided documentation of my dispute that it was up to the creditor to decide whether or not the information will be changed not based on consumer documentation. My XXXX file # XXXX XXXX also sent me a letter that the information was updated but the information is still the same as before my dispute. I called Ocwen spoke to XXXX in the research department on Monday and he told me Ocwen did n't have to adjust the date because this was the same account from XXXX although they have 2 differenct account loan numbers.
I noticed that there is a wrong address and social security number on my Experian credit report. I also noticed the address for my current employer is also wrong.
I have disputed several times items that do not belong to me, items that are past the 7 year statute and many names listed many names which do not belong to me. I need some help
XXXX is still reporting inaccurate information on my credit report XXXX XXXX XXXX account was to be deleted along with XXXX XXXX/XXXX should have been deleted. I have been disputing this for months now and it was verified from another credit reporting agency to delete the information. XXXX should have received the same response. They just keep updating the information. This is probably my 10th complaint about XXXX. It is ruining my credit score. XXXX also is not reporting a new account that I opened recently XXXX with a {$500.00} credit line. I used the card up to {$410.00} then paid the card in full to a XXXX balance. I contacted XXXX and was told they report each month to the credit bureau. I have 2 accounts now with XXXX and stills the new account is not reporting. Paying this card off to a XXXX balance should help my credit score. I contacted XXXX and got nowhere. I am submitting this complaint in hopes they will finally delete like the other credit beurou did. They are ruining my credit worthiness.
Due to an entry-level income after finishing college, I was unable to meet my steep $ XXXX student loan payments monthly. Navient, my student loan provider, recommended forbearance and told me I was ineligible for any form of income-based repayment over and over again. As a result, over the past 4 years, I have seen my XXXX student loans totaling {$42000.00} collect {$12000.00} in capitalized interest. I was told this was my only choice to keep my account current and in " good standing. '' I was never given any other options, short of failing to make payments altogether and destroying my credit in the process. 

It was n't until I learned that Navient was under investigation and started looking closer into my statements that I realized this had taken place. I have made regular payments, and yet my combined principles have risen to approximately {$55000.00}. 

I studied overseas, so my school is not in the drop-down menu below. I earned my XXXX from the XXXX.
I received a written letter from XXXX XXXX XXXX XXXX XXXX regarding an account with XXXX. The written letter offered the option to call XXXX XXXX XXXX XXXX XXXX which would allow me to pay my account in full. On XXXX XXXX, 2016, I paid {$240.00} on the phone on which was withdrawn from my bank account ( please see attached bank statement ). I was told I would receive a letter confirming payment in full within 5 days. I have not received the letter confirming payment and the account is still reporting on my Experian Credit Report as OPEN, UNPAID and " Seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department '' ( please see attached Credit Report excerpt ).
The Social Security Administration was notified that my SS retirement was started. It was not. The address shown by Equifax was the address that was used to begin drawing Retirement SS by the individual - which was not me. I have requested Equifax to remove the address since I have never lived there and it was used by the individual to try and begin drawing my SS retirement benefits. I am not retired and continue to be employed and will be so for several years. 

The SS Administration has reviewed and completed their stop payments, etc. of my benefits to the individual committing the fraud at the address listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona, XXXX. 

As mentioned above. I have contacted Equifax to have this address removed, yet to no avail. 

I believe my information may have been part of the information gained by the " hacked '' Equifax database and was used to gain access to my information at the SS Administration. 

Thanks for all your help, Regards, XXXX XXXX
Hello, I am a victim of a teller opening up multiple accounts at Wells Fargo. I started a new job in XXXX, Ca that issued their payroll checks through Wells Fargo. At the time of my employment I opened a checking account at the near by Wells Fargo branch-XXXX, Ca location with the help of a a female representative. Shortly after I opened my account, I recieved additional paper/physical checks via mail. At the time I thought this was a oversight and just got mailed additional checks. I was n't a check writer ... so this went over my head. More came over time and there I started investing. From there I called and called the Wells Fargo hotline and only got the runaround. This was very time consuming and no one had answers. Finally I called the XXXX Ca branch and started to get answers. It got escalated to some internal investigation. I felt helpless as they are a huge corporation. I felt violated. Someone was eventually terminated. I feel justice was not served. I told everyone I knew. People probably thought I was nuts and my boss at the time thought me spending time at the branch or calling Wells Fargo was XXXX. I eventually gave up..Defeated. 

Years later I see they are finally in trouble. I want to share my story and file a complaint to show this can not and should not happen to anyone. I would n't wish this on anyone.