WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I visited my local Suntrust bank branch to cash an insurance check for damages to my home. Suntrust was listed as a co signer on the check for {$22000.00} as I currently have a home equity line of credit with them. They have now had held this check going on four weeks with the exception of a small payment of {$5000.00} being released just this past week. Three weeks after the check was sent in and not even a XXXX of the total amount of the check. I was just notified today that it will be another XXXX days before any more funds are released to complete my repairs on said property. They sent someone out to my home today to do the physical inspection to ensure the work is being done to code and being completed. This individual had no physical ID, credentials to identify who he was and he was not even an employee of Suntrust bank but a sub contractor. He only took photos and left.

In addition, Suntrust is refusing to release the last of the funds until project is complete. I can not complete the project until they release the funds so I can pay for the materials that will be required for completion. 
Lastly, the lack of response from the XXXX XXXX XXXX department is unacceptable. As a customer, I was not given a direct number to this department, an email address or any other avenue to communicate with this department directly. The response time for this process should be no later than 48 hours from initial contact. I find the protocols for this criminal. Suntrust has held my money way too long and if it continues the way it has been it will be a two month process or longer. I am forced to self fund this project because Suntrust will not release the funds and has no sense of urgency to do so. Withholding the funds for this long should be against the law. It is not Suntrusts money to keep and they are holding money XXXX for their benefit.
I leased a car in 2008 from XXXX. I lost my job and was unable to make payments and returned the vehicle. The law firm of Kieth Weiner and Associates in XXXX Ohio began trying to collect on the reminder of the debt. I paid approximately {$5700.00} towards this debt to their firm. I still owed an additional {$2700.00}. A lien was put on my bank account in this amount leaving me {$450.00} to take care of my financial obligations. In the state of Ohio {$420.00} is protected in consumer accounts in these situations. I am however a legal resident of South Carolina and have been for almost a year. South Carolina residents are guaranteed {$5000.00} in protection. I informed The Keith Weiner Law firm of this several times and they refused to release my funds. They told me their attorney said that they could take the money but that they were willing to settle. I knew that they would have kept the entire amount if they were legally able however with all of my money in their hands my only option was to settle or borrow money to hire attorneys to fight them. I had children to feed and they knew it. This was a case of lies, extortion, and blatant disregard of the law. I settled for {$1200.00} but did not sign anything. My bank charged {$100.00} in legal fees.
My wife and I applied for a mortgage loan last year with  XXXX   XXXX  at   XXXX   XXXX   in  XXXX , WA. After providing all my paperwork, I was approved for right around {$240.00} on a Conventional Mortgage Loan. I began working with an agent names  XXXX   XXXX , who assisted me with finding a property. The home we found was listed for {$240000.00} but we needed our closing costs paid so we offered {$240000.00}. This was a push on my file and debt ratios and I barely qualified. When my wife and I saw the monthly payment, we immediately expressed grave concerns to ou r Loan Officer and Real Estate Broker  and said we werent comfortable with it. Regardless, they continued forward with the process and ordered the appraisal while assuring us that we would be fine with the payment. After attending the required class for Homebuyers using down payment assistance programs, I learned more about mortgage loans and the importance of not putting yourself in a position where youre house poor. After much consideration, I reached out to  XXXX  and  XXXX  and told them that if the payment could not be reduced I was not comfortable going forward. Instead of working with me on it, they sent me a form to sign and said I would not be getting my  Earnest Money  back.     My wife and I feel it is unfair that we lost our Earnest Money of over {$2700.00} because we tried hard to let our Loan Officer and  Real Estate Broker  know ( multiple times ) that the payment was too high. In addition, after signing the recession form and forfeiting my  Earnest Money, I  realized that the lender didnt include the child support payment I am obligated to pay and therefore I should not have qualified for the loan to start with.     We strongly feel that we were coerced into buying a home that we explicitly stated was too expensive for our budget. We feel that our  Loan  Offer and Agent were both using extreme force and ignoring our concerns to get our loan closed and get paid. If you can please address our concern at your earliest convenience we would greatly appreciate it. The loss our  Earnest Money  has been truly devastating to us and we feel it was not warranted. It is our hope that you can assist us in getting it back.
I sent a dispute letter to transunion on XXXX XXXX, XXXX, tracking number # XXXX in regards to a few accounts on my report that are inaccurate. They received it on XXXX XXXX, XXXX. Transunion failed to verify the accounts with adequate proof, with my signature, that these accounts belong to me within the 30 day time frame. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, Transunion was unable to provide me with a copy of the verifiable proof that they have on file for the accounts listed within 30 days of receipt of my letter, and they must remove these accounts from my credit report.
NavyFCU offers cardholders fraudulent promotions wherein only those transactions in excess of a certain amount are subject to a promotional 0 % APR -- say, either {$500.00} or {$1000.00} for 6 or 12 months, respectively -- but fails to specify in the terms of the offers that these promotions create a situation whereby the only way to avoid paying interest on any purchases not subject to the promotions is to pay the balance in full, including any portion of the balance subject to the promotional 0 % APR. I made 4 transactions total on my NavyFCU credit card within the past 2 months, only 2 of which were not subject to a 0 % promotional APR. Despite making payments by the due date which were in excess of those 2 purchases each month, I still wound paying interest on those purchases. I have been informed today by " XXXX '' that the only way I could have avoided paying interest on those purchases was to pay the balance in full, including that portion subject to the promotional 0 % APR, rendering the promotions fraudulent.
This law firm has not contacted me via email, mail, nor telephone in reference to my credit card debt. However I am receiving letters from other law firms to defend me in reference to a lawsuit filed against me from this law firm that I did n't know exist. This is a scary yet unprofessional matter!! I 've tried to contact this company several times and I 'm getting nowhere. This is a matter I would like to resolve professionally before it gets outs of hand ... This law firm is unpredictable and very shady..
In XX/XX/XXXX I was a victim of identity theft. I have submitted police reports and affidavit aas required by Equifax. Their is a tax lien that I do n't recognize and accounts from XXXX that I never opened and were referenced in my affidavit that was mailed and received by them. They acknowledged receipt in XX/XX/XXXX of items received and even put a XXXX year security freeze on my report automatically. I checked my report last month and the items are showing again. Per law they have to notify me if they put the items back on which they did not. I disputed the items and referenced my affidavit and police report which thye have XXXX file and they refuse to block them. This is now damaging me credit wise. XXXX and XXXX both researched and blocked the items due to the ID theft.
I have filed disputes with reporting agency on credit inquirys. I did not ask for credit or approve a request for credit. I am showing credit inquirys from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX p XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
On XX/XX/XXXX I placed an order for new XXXX XXXX with XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX, NY XXXX. I did provide frames, everything else was going to be provided by them : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX. The total amount charged was {$610.00} including 20 % store discount. The credit card used was CareCredit XXXX XXXX, telephone number ( XXXX ) XXXX. Few weeks later I picked up my new eyeglassess and immediately noticed they did not work well for my eyes. I did give them a try for a few days but it just didnt work. On XX/XX/XXXX I asked the optical place to correct the issues and the new order was placed. It included the following : 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX. I was told that XXXX brand will work better for my eyes. I was not charged additional amount of money. While waiting for my new eyeglasses, I did my own research on XXXX brand and also talked to few well respected optical places in XXXX just to find out that XXXX brand is outdated and more importantly {$300.00} cheaper then XXXX. I went back to XXXX XXXX and ask if there will be a price adjustment considering the {$300.00} price difference between XXXX and XXXX XXXX XXXX. Their answer was no. On XX/XX/XXXX my new eyeglasses were ready and they worked better then the first pair. I asked the store manager about the price adjustment again and the answer was the same. Few days later I started a dispute through XXXX XXXX. I was never contacted by the bank to provide them with my evidence. On XX/XX/XXXX I received a letter from the bank notifying me that they released the dispute in the providers favor ( XXXX XXXX ) and leaving me with an option of reopening the dispute. On XX/XX/XXXX visited few more optical places in XXXX asking for their help in identifying my new lenses. The all agreed that this is not a XXXX brand and also they could not identify any brand name. They all suggested that something very strange was done to my new lenses. At this point Im very much concern about my vision and whether I should continue wearing my new glasses or not. On top of that, I feel strongly that I was cheated or even robbed.
Equifax improperly secured millions of sensitive and private information, including mine. Equifax waited too long to report the hack to the public.
I am a cosigner of my granddaughters student loan back in 2003 through XXXX XXXX. When payments were not made they sent me a letter and I made sure the accounts became current. XXXX XXXX split off or sold to Navient. I was not notified and had not heard anything for a long time. This past Monday I was paying a bill online and notice my FICO score went from XXXX to XXXX. I immediately printed my credit report and found to my surprise Navient reporting late payments. I called Navient customer service in XXXX and they looked and said they email notices. Number one they did not have my email on file so she changed it. I followed the instructions of disputing the drop in score and sent part of my credit report and a letter about them not notifying me about anything. I had intentions of giving them an opportunity before making a complaint but in my email of Monday when they added it they also sent another email and in the account they showed where they had sent emails. They did not have my email address until Monday so it seems they are trying to get out of admitting the problem. What I want is my credit as it was. I noticed online that Navient has many complaints against them.
I am writing this to dispute a collection with CAC XXXX x XXXX with XXXX bank XXXX for {$1900.00}. mid XX/XX/2016 I received a notice for the 1st time with a name of XXXX as the rep. on XX/XX/2016 I wrote to them disputing this debt. I have in interim received many calls and I have made return calls to this rep w/ no response. Today, XX/XX/2016, I learn they put this on my credit on XX/XX/2016 BEFORE I WAS NOTIFIED! This is against credit laws and I am writing to all agencies. they violated credit reporting and debt collection practices Please investigate to remove.
A number for a law firm XXXX. This agency has called me XXXX times alone in XXXX 2015, I 've picked up and told them I am not XXXX nor do I owe them any debts. I 've also called back and left voicemail and stated if they continue to call my cell phone without permission I will file a claim. They called XXXX times in XXXX and yet again picked up and told them they had the wrong number.
I signed up for a one-off credit report from Experian - a service I wanted to receive. After a few months I noticed that I was being billed monthly for {$19.00}. I did not notice this the first 2 months but then I phoned to query it. I was told that when I signed up for the one-off payment there was some small print that said I was given membership of a monthly credit check service that was initially {$5.00} but would increase to {$19.00} if I did not sign out of it. I do not recall this and would not have signed up for any monthly membership - even at {$5.00} - because it is a service I do not want and do not need. I called Experian to cancel the account and get a refund. They canceled the account but would only refund one month 's payments. I want all the payments refunded as they are for a service I did not want or need - and one that I was tricked into consuming when I was only trying to get a one-off credit check - which was the advert that I saw and to which I responded. I am extremely careful with my financial affairs and would not sign up for a service like this. The advertising is particularly misleading as it relates to buying a one-off report but has set up a monthly service in an underhand way. 

I spoke with a manager for whom I have the name and contact ID which I can supply as well as my Experian account number. 

I would be very grateful if you could pursue this case - and publicize the misleading and unfair way in which Experian has acted.
On XXXX XXXX, 2017, I received a 3rd denial letter from FBC stating I am ineligible due " income is insufficient to qualify for any foreclosure alternative programs at this time. '' I submitted a complaint about FBC not properly calculating my income and they admitted fault and I had to resubmitted paperwork to once again prove income. For 14 months, I 've been fighting with FBC by sending the requested documents and waiting the allotted time for an approval only to be denied again. My income and debt to ratio are not being properly calculated for my loan to be reinstated.
I applied for a loan for on XXXX XXXX, 2015 for {$420.00} providing correct information that I was paid on a monthly basis on the XXXX of the month and the due date for the loan was made XXXX XXXX. I extended the loan and made a partial payment on that date - but when they extended the loan they unilaterally switched my pay frequency to XXXX per month and made the payment due on XXXX XXXX - which I could not pay. I did n't know this until I got a reminder from them on XXXX XXXX. I e-mailed them on XXXX XXXX, and called on XXXX XXXX to get them to correct this error and they refused. They said I had to provide evidence that I was paid monthly, which I e-mailed them on XXXX XXXX. However, they still ran through the payment resulting in a {$29.00} overcharge fee. They have now referred the loan to their collections department. As far as I am concerned unilaterally changing the terms of a contract under the guise of an extension of that contract is fraud.
Dear Sir or Madam, I did not receive my student loan for XX/XX/XXXX8. I received checks in the mail that said sign it and the money is yours. I was in a rough spot and still am but I needed the money to keep going to school. I have contacted the loan institutions and asked for a lower payment and interest charge. They ( XXXX and XXXX XXXX ) are currently charging me 48 % and 79 % interest, respectively. 
They will not budge. They offer to let me borrow more money to pay the loan but that will not help. They are only sending out these checks to poor neighborhoods. 
I do not know if there is anything I can do but feel it should be reported as predatory lending practices. 

XXXX XXXX - {$1900.00} loan ( 48 % interest ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX : XXXX XXXX , XXXX XXXX & XXXX XXXX ( {$920.00} loan - 79 % interest ) https : XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX For the record I have contacted all other reputable credit card companies and they have worked with me to reduce my payments and interest temporarily. None of them had the high interest rate that comes close to the two companies above but they were all willing to work with me to help me resolve my debt problem. 

Sincerely, XXXX XXXX XXXX
XXXX XXXX from Michael Haynes and Associates has called around and threatened people that I owe a debt and that they would be going to court. I owe no such debt and I am not too happy that he would slander my name with people i respect. He also would not give me an address to communicate with him. He threatned to sue the corporation, take my house, my paychecks and sue people that i dont even know.
PNC Mortgage charged me {$650.00} for an appraisal and credit check. They completed the credited check first and started the process to complete the HARP refinancing. I was told, I had to pay the appraisal fee and credit check up front. It could not be placed in the loan. This was paid upfront. The appraisal was conducted XXXX XXXX, 2016. I called the company numerous times regarding the results of the appraisal. I was informed they had the results but could not release the results to me. I asked how could they do this ; charge me ... have me pay for the appraisal but control the delivery of the product. Tuesday, XXXX XXXX, I received the appraisal after receiving a phone call from PNC Mortgage division on Friday, XXXX XXXX, 2016, informing me the loan was not approved due to the 2nd mortgage denying the subordination. I asked why did I have to pay the appraisal fee to find this out. PNC advised me the 2nd mortgage company would not approve the subordination without an appraisal. My question was, yes, but did the appraisal fee have to be paid upfront in order to determine if the 2nd mortgage company would approve the subordination? PNC stated yes, the appraisal would have to be completed. 
XXXX is the 2nd mortgage holder. I am currently in a Chapter XXXX bankruptcy. After calling XXXX, I was informed that an appraisal was not needed to determine whether the subordination would be approved because I listed XXXX as a non-secure creditor. Therefore, they would not approve the subordination, regardless. 

PNC had me go thru a lot of work ; reach-out to Trustee ; have my attorney get permission from the court to refinance ; not to mention all the time involved and numerous hours involved. I was told they would not refund me my money because the service was provided. I received paperwork that indicated it was denied because of credit and other. A credit report was 1st ran and PNC knew I had the Chpt XXXX bankruptcy. They are my 1st mortgage holder. PNC has reached out to me numerous times asking that I refinance. In the past, I have always cancelled the process because PNC changed the cost. This time, I made sure that there was an understanding of the cost. When it changed, I reached out to a manager who gave me a {$300.00} refund on the cost. 

This is a lot of money to have taken from me, {$650.00}. I did not get the service I paid for. PNC got the service that I paid for and when they were finished with what they want and/or needed to do, they finally sent me the appraisal results. 
I would like to have my {$650.00} back. 

I have filled a complaint with the Attorney General 's Office, as well.
I got a XXXX prepaid wireless plan some years ago. Somehow without me signing or agreeing to a contract XXXX Switched my plan to a post paid account and put me into a contract and has been trying to collect money not owed to them. I paid my last bill in-full before switching to another phone carrier. They have put this on my credit I have complained they have removed it but subsequently sold the account to another collection agency called I C System Inc. I would like this removed immediately. There is no executed agreement between myself and XXXX.