WillisBack/dataset-financial-user-claim huggingface dataset:
PNC is the company I am having a dispute with. I sent in a form to change my payment date. They did not process the payment date change in time. I went online and paid my bill last month, for some reason the payment was reversed even though funds were available in the account selected and the only reason I set up online bill pay was because I would be charged if I continued to pay over the phone. I was contacted by the company saying i was 37 days past dude 10 days of my payment was reversed and I was not aware of the reversal. I made a payment on the phone today with the rep and asked to have the late charges removed and the info removed from my credit report to avoid it lowering my credit score since I attempted to pay, they said they can not help me even though she apologized on behalf of PNC for the inconvenience regarding the payment date change, payment reversal, and incorrect processing of the payment due date change.
I contacted BMW in regards to two 30 day late payments that were reported on my credit report. I was, in fact not 30 days late. I received a form letter from BMW that indicated that they ( BMW ) report any payment made after the 29th day - which the letter continues to state is the " industry standard ''. I have tried to no avail to get this information corrected, when in fact the payments posted prior to the 31st day. I have submitted disputes through the credit bureau and company directly to no avail.

I also pulled the contract that I signed and the previous statements. At no time does BMW indicate or disclose that or notify any customer that they report any payment made after 30 days which in their opinion is industry standards. 

I need assistance to obtain resolution.
This lettter is a formal written request for you to investigate the following unverified accounts listed bellow : Accoording to the fair credit reporting act, 15 U.S.C 1681 your company is required by federal law to verify through the physical verification of the original signed comsumer contract- any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email fraudulent account.

I demand to see a copy of the verifiable proof ( an original consumer contract with my signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed bellow then you must remove these accounts from my credit report and remove all none account holding inquiries in my credit report .Please provide me with a copy of an updated and corrected credit report showing these items  removed.
I am having trouble making student loans payments, due to the high cost. I have tried to call to lower the payments but have been required to have my co-signers call in to submit a financial statement before this would be possible. I have XXXX co-signers on my loans, XXXX is my mother XXXX is my brother. My brother has been out of the country and was unable to make a call for the finanical statement, however my mother did call in to give hers in XX/XX/XXXX. Upon my brother returning to country in XX/XX/XXXX he called to give his statement, I was then told that my mother had to redo her statement since it was a new month. That was the first time that dealing with Sallie Mae became difficult. Upon my mother calling in XX/XX/XXXX, the man named XXXX XXXX, received to allow her to give a financial statement instead badgering her to make payments on my behalf. My mother is going to be out of a job, and is going to be unable to make payments soon. The company had continuously told me to have my co-signers call in to make the statement so I was able to lower my payments, instead they have taken advantage of my co-signer and made deceptive claims to myself. The process to lower payments is extremely difficult and burdensome making it nearly impossible to complete the process to achieve the end result of lowered payments. On top of this during the process of working to figure out how to repay the loans I was consistently called and harassed about being delinquent on the loan.
I contacted this company and requested proof be mailed confirming this debt they are attempting to collect is truly mine. I contacted them in early XXXX of 2017 and they hung up on me when I requested this proof of debt. My father passed away late XXXX and the harassing phone calls continued, they not only called me, but my boyfriend, my boyfriends mom, my sister and brother. They call from different phone numbers and show up as robocalls. 2 numbers they have used are XXXX and XXXX. The latter number states they are Northwood Asset Management Group. I do n't know how they got my families phone numbers, I do n't appreciate the harassing phone calls nor the failure to provide via mail proof that I owe this debt. I 'm seeking assistance in stopping these harassing phone calls. My next step will be a cease and desist letter and contacting an attorney.
I contacted Transunion to inform them of unauthorized inquiries made on my credit I was a victim of their inquiry issue they said nothing could be done
Capital One is blocking me from viewing my balance and transactions in third party apps and programs. I have a right to view this information in a manner that I deem helpful, such as within an app like XXXX or XXXX that helps me track budgets and transactions.
I have a hard inquiry on my XXXX Credit Report by CREDIT PLUS. I do n't recall requesting Credit from Credit Plus.
we have been getting late night collection calls from our mortgage company because we are two payments behind. We have been in contact with the on a monthly basis to let them know why we are behind and when the next payment would arrive. The other night we received a call from the same number at XXXX. It showed up tonight again when the representative called and harassed us about all of the things we have given the information on just last month. The representative refused to accept my answers and threatened more harassing calls until the loan is brought current.
I sent a letter to XXXX XXXX XXXX, XXXX regarding account # [ XXXX ] requesting validation of this account reported on my TRANSUNION credit report, which is made pursuant to the Fair Debt Collection Practices Act. 

Upon further investigation, I have retained new copies of my credit reports and noticed that XXXX did not furnish the credit bureaus with the required disclosure, within the period required by law. Federal law requires XXXX to place a notice of dispute on my account within 30 days of my dispute, which they signed for on [ XXXX/XXXX/XXXX ] I have a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports on XXXX/XXXX/XXXX, showing that XXXX has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
portfolio recovery account # XXXX this company has been harassing me by reopening old account that were closed and charged off from my divorce they continue to call and harass me with mail and threats and phone calls to me I have never owed them nor do I have any interest in them this account and others have been reintroduced to my credit report over and over again because of harassment they don't report any payments and said they are not liable to do so either I would like to have my credit back as my records are clean except for there continued harassment I have written to them and other credit bureau and have had no results please help me!
XXXX  XXXX Business card is reporting on my personal credit report. A dispute has been active for months but still remains on report. XXXX  XXXX states they are reporting correctly but your agency is reporting it wrong. XXXX XXXX initiated the original dispute. Below is my credit report for said account. It shows as an individual personal account. This account is for business purposes only and should never appear on my personal credit report. REMOVE THIS ACCOUNT IMMEDIATELY! 

Account Details View detailed information about this account. Contact the creditor or lender if you have any questions about it. 
High Credit {$12000.00} Owner INDIVIDUAL Credit Limit {$15000.00} Account Type REVOLVING Terms Frequency MONTHLY Term Duration XXXX Balance {$9000.00} Date Opened XX/XX/2018 Amount Past Due Date Reported XX/XX/2018 Actual Payment Amount Date of Last Payment XX/XX/2018 Date of Last Activity Scheduled Payment Amount XXXX XXXX Months Reviewed 4 Delinquency First Reported Activity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount Balloon Payment Date Balloon Payment Amount Loan Type Date Closed Date of First Delinquency Comments Consumer disputes this account information Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX
XXXX   has put a security freeze or ID theft alert on my credit report without my authorization. They did this because i caught them in a lie about information they are reporting. This alert is impacting me from getting credit and they know it and they are violation federal law.     Experian is the one who put the fraud alert on the report then they notified   XXXX   and  XXXX  to do the same.     I DID NOT AUTHORIZE ANY FRAUD ALERTS OR SECURITY FREEZES AND THEY ARE TO BE REMOVED IMMEDIATELY. THEY ARE SAYING THAT I HAVE TO SEND IN A WRITTEN REQUEST THIS IS INCORRECT, THEY DID A FULL ID VERIFICATION ON ME AND STILL REFUSE TO TAKE THE ALERTS OFF MY REPORTS.     THIS GOES FOR ALL  XXXX  BUREAUS.
I had a XXXX card open in connection with my XXXX 's XXXX memebership. When I lost my husbands income I was unable to make full payments. They then placed me in collections and refused to take less than total amount due. I was then given papers saying they were going to put a judgement against my house. I was advsied an unsecured debt could not take my home so I did fail to show up to court. I now have a judement against my property and am unable to refinance my home. I want this investigated because I am still being told they are not able to do this. I tried to offer their collection agencie XXXX XXXX XXXX a payment of {$2000.00} to settle. They advised they would remove the judgement but continue to try to collect. I am scared to pay and end up with another judgement against my home. I have no other accounts in default everyone else worked with me.
I 'm trying to have my refund settlement check re-issued by ACE CASH EXPRESS, INC.REFUND ADMINISTRATOR. The Date of issue was XX/XX/XXXX which has been over 90 days, due to medical conditions, including XXXX  from XX/XX/XXXX thru XX/XX/XXXX I was not able to handle my business. This check was for the amount of {$290.00}. I have called the phone number on my correspondence letter, that my check is attached to, I have e-mailed & wrote a certified letter on XX/XX/XXXX to the Ace Cash Express Inc. Corporate Office. No response from any form of my comunications. My complaint is I want my check re-issued. These funds have been allotted to me.
I applied for a Chase XXXX XXXX XXXX credit card in XXXX 2016. The offer I applied for was for XXXX XXXX miles after {$2000.00} spend in the first 3 months. Shortly after applying, I saw there was a XXXX XXXX miles bonus after {$3000.00} spend in the first 3 months. 

I contacted Chase to match the offer. They responded that they were able to extend the offer to me, if I increase the minimal spend from {$2000.00} to {$3000.00}. I accepted their offer. After putting the additional spend to meet the new {$3000.00} minimum for the XXXX bonus XXXX miles, I messaged Chase to process the additional bonus. They informed me that they could not honor the offer. 

Chase had extended an offer to me, that required me to put additional spend to meet this new offer, then refused to honor their end when I met the requirements of {$3000.00} spend. 

Find attached a screenshot of the message of Chase confirming they extended me the offer. 


Dear XXXX XXXX, Thank you for contacting Chase regarding the enrollment bonus offer on your XXXX XXXX ( R ) Explorer credit card account. 

We 're delighted to welcome you as a new customer and we look forward to serving your credit needs. Let me share, because your account has been opened for less then 90 days, I am pleased to advise that we can honor your request to receive the XXXX bonus rewards enrollment promotion. However, this enrollment promotion is associated with {$3000.00} spending threshold which has not yet been met. Therefore, I would ask that you please reply to this email once you have met the associated {$3000.00} spending threshold by or before XXXX XXXX, 2016 and either myself or XXXX of my colleagues will be happy to assist with your request. 

Kindly note, purchases do not include balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including an annual fee, if applicable. 

If you need any other assistance, you can send us a secure message. We appreciate your business and thank you for choosing Chase. 

Thank you, XXXX XXXX Customer Service Specialist. 
XXXX Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Hello, I recently signed into my XXXX account and saw there was a XXXX XXXX XXXX XXXX for the XXXX XXXX card that I recently signed up for. 

Would you kindly match me to this offer? I 've attached a screenshot. 

Thank you, -XXXX [ Attachment XXXX Type : application/octet-stream Name : Screenshot XXXX XXXX ]
There is so many inquary in my credit report, which was incorrect.I did n't recocnize that kind of inquary.
On or around XX/XX/XXXX2015 I visited a XXXX XXXX store. While I was there a XXXX XXXX  representative tried to pitch me on their XXXX packages. I listened to the Best Buy representative and even had him look into the different options that I would have available, however, at the end of the discussion I decided not move forward with the service. About a year later I noticed a collection on my credit report from XXXX XXXX. I contacted the credit bureaus and disputed the account several times. I also submitted an affidavit of identity theft but either XXXX or the credit bureaus refuse to remove the account from my credit report. Now I am in the process of buying a home and still have this fraudulent and negative account affecting my credit score.
In XX/XX/XXXX I sign my son up for XXXX XXXX XXXX to help him with math & reading. My monthly payment is about {$50.00}. I 've been paying on this student loan now for 11 years & 8 mos. 
The original amount borrowed was XXXX on XX/XX/XXXX with an interest rate of 11.75 %. On XX/XX/XXXX I had transferred {$4700.00} to my credit card for 18 mos promotion at 0 %. I still have a balance with Navient of {$1000.00}. If I never transfer some of the balance it would n't be paid off until XX/XX/XXXX. It does n't make sense to me at all on how my payments are being applied to the balance.
Over past few weeks have been receiving phone calls that caller ID identifies as Fifth / Third bank. the # is XXXX. When I pick up and answer there is silence on the other end of the line ( I can not tell if its a human or a robot. After a few moments the phone will disconnect. Yesterday I call 5/3 @ XXXX to verify if the phone # calling me was a 5/3 # ... after being put on hold the representative came back on the line & stated that YES ... THIS # IS FROM THEIR COLLECTIONS DEPARTMENT, ( SHE ADMITTED THAT 5/3 WAS MAKING THESE CALLS ) plus I have had other similar calls from other # 's .... 
15 USC 1692F ss 806 ( 5 ) Seems clear regarding this type of call. 
THESE ARE HARRASSING PHONE CALLS. 
IT 'S INCONCEIVABLE TO ME THAT A BANK WOULD ACT IN SUCH A DISPICABLE MANNER, I do n't even believe it is me that they 'd be trying to contact ... PLEASE HELP WITH THIS ISSUE Thank You.
I previously filed bankruptcy and my bankruptcy has been discharged but Roundpoint has refused to speak with me about my account. I have sent in multiple request about my billing statement, my discharge, and just trying to speak with a representative. The representative states I and my wife needs to contact my lawyer and/or trustee. I feel I have been going in circles trying to obtain a simple billing statement. My lawyer submitted a letter to Roundpoint stating I can speak on behalf of my account since it was not included within my bankruptcy. Roundpoint has received my discharge paperwork.
I have a XXXX corporate accounts with US Bank, XXXX checking and XXXX Money Market. I am the single and only shareholder to the corporation there are no other signers or anyone else authorized on my accounts. On XXXX XXXX, 2015, my corporate bank accounts and information were breached by XXXX XXXX XXXX manager of US Bank. My ex husband went into US National Bank and without my knowledge or permission obtain from XXXX XXXX XXXX my corporate bank account numbers and their balances, XXXX XXXX the bank manager, took it a step further and provided the corporations profile which included the Federal Tax I '' D #. Currently, there is a restraining order against my ex-husband which my branch of US Bank is well aware of. My ex-husband went to a branch where he knew the manager in order to illicit and obtain information that he was not privy to. At the time I open the account XX/XX/XXXX with US Bank, I was required to put in writing any other person or persons authorized on the account and all shareholders, which there were none, again, XX/XX/XXXX, I was required to provide the same information. 
XXXX XXXX at the time he accesses the accounts for my ex-husband could clearly see that his name was not on any of the accounts for XXXX XXXX XXXX XXXX, and if there were any doubts, a quick telephone call to my opening branch would have confirmed the following : My ex husband is not part of the corporation in any form and there is a restraining order against him and he is not on any of the corporate accounts nor has he ever been. Now knowing this information it is completely baffling to me, that anyone could walk off the streets and present absolutely XXXX and obtain bank statements, corporate profile, tax id number. By XXXX XXXX providing the Tax ID number and profile to my ex husband this has caused catastrophic harm to me both financially and medically. This action by US Bank has set back and impeded my recovery from recent XXXX, and more recent XXXX. I am expending energy, time and resources which I do not have on US Bank 's egregious and willful act.
There have been several credit disputes filed within  XXXX ,  XXXX ,  XXXX  as well as direct t o Portfolio Recovery Associates.  On  XXXX   XXXX  &  XXXX  ( via certified mail ) I have requested an Original Signed Consumer Contract required by Sectio n 609  of the FAIR CREDIT REPORTING ACT,  Portfolio Recovery Associates faile d to provide me valid proof. I also requested proof to be sent o f Portfolio Recovery License  to collect debts they failed to comply with request. Due to  Portfolio Recovery Associates fa ilure to comply on  XXXX   XXXX  , 2017 an  " GENERAL AFFIDAVIT '' was sent certified mail to be placed as record see attached.
You are reporting 3 accounts that are not mine showing as closed on my credit report. Remove them from all 3 credit agencies immediately and cease reporting under these closed accounts
We have been uploading documents for a loan modification we believe we have a complete package and have been calling and leaving messages to our assigned representative without a response. I also sent documentation to authorize a 3rd party and they do n't seem to be able to locate my documents I have uploaded all of my documents time and time again and I am not getting anywhere I think they rather foreclose on my home they are delaying the process and being unresponsive.
To whom it  may conc erns, I am writing regarding a few accounts that have been on my credit report with Equifax for more than 7 years. I have contacted Equifax many times and they have refused to assist me. These accounts have been satisfied and closed with a zero balance but Equifax has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to Equifax and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court papers against Equifax because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance and should be removed/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance.   Here is the list of all the accounts :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   ( Account opened in   XXXX   )   XXXX   XXXX   XXXX   XXXX   XXXX  ( I HAVE NO CONTRACT WITH THIS COMPANY AND THEY WERE ABLE TO OBTAIN MY MEDICAL RECORD WITHOUT MY AUTHORIZATION ) PUBLIC RECORD : TAX LIEN ( PLEASE SEE ATTACHED DOCUMENT ). THE REFERENCE NUMBER IS  XXXX . IT IS PAID IN FULL AND SHOULD BE DELETED.   I have also hard inquiries that were previously removed from my credit report but have reappeared with absolutely no reasons at all. I have sent certified letters requesting assistance and they have never responded to any of my requests : This is the list of inquiries that should be deleted from my credit report :   XXXX   XXXX   XXXX     XXXX   XXXX    XXXX   XXXX    XXXX   XXXX    XXXX   XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   Thank you
Hi, I signed up for this account under a promotional offer where if I spent {$140.00} on electronics purchases I would receive a {$75.00} Gift Card to Walmart. I have called them over a dozen times and they have each time verify that I should have received it already and have told me I would receive it soon, just be patient. But it 's been over 4 months now and I still have not received my sign up bonus of the {$75.00} Gift Card. 

My first order and the qualifying order number : XXXX
I have XXXX to Coinbase on XXXX XXXX. On Coinbase website, they received the payment but set the status of it to " Pending '' and a message showing that the amount will be available on XXXX XXXX. 
On XXXX XXXX, I opened a case with the Support and still did n't get any reply from their support team. Today is XXXX XXXX and the case is still open.
I received a notification from a credit monitoring company that Central Credit Service had placed an account into collections. I did not receive a dunning letter from the company. This company took away the right from me to get a debt validation done.