WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a customer with PNC for almost 2 years. In XX/XX/XXXX I closed my orginal account with PNC and opened another one. Which is my current account, that I have had now for almost a year. Back in XXXX, I recieved a letter in the mail stating that my previous account was closed due to insuffecient funds. and I now owe a balance of XXXX that is now scheduled to go into collections. Now I'm XXXX! because how in the world can you charge an account that was closed almost 9 months ago a insuffcient fund. So I quickly contacted the Retail escalation team for PNC who handles this account and was speaking with XXXX. Who also was perplexed with the sitiuation and was looking into it. So she stated that she would work on it on her end and get back to me. I waited about a week then called her back. But she wasnt available. Then she called me back and I missed her call. Then I finally talked to someone other then XXXX a week ago. Who was still working on this pronblem. Then on XX/XX/XXXX PNC withdrew XXXX out of my account!!! This is obserd!! When I contacted PNC XX/XX/XXXX the Rep said Oh no I can see why I'm mad and that she is not understanding why that happen. Only that when you have a account closed. Then a transaction is allowed to come through and reopen it?? What!!! That is the most ridiculous thing I have heard!! PNC is nuts!! I need every dime of my money and it should have never happened. And to date it has still not been fixed!! No one has bothered to read my notes they just deduct money from my account with a unsolved situation.!!!!
On XX/XX/2017, I received an email from Nelnet stating that I had a payment of {$6500.00} due tomorrow that was scheduled for automatic payment. I logged onto my account online and requested to cancel the autodraft. I called Nelnet customer service to confirm the autodraft and I was assured that it would not likely go through. I also called regarding my income-based repayment application status, assuming it was not approved. I was told I still needed to pay for the {$5.00} fee. I was told I 'd be transfered to XXXX, but was hung up on. After being hung up on, I called again and was advised to call Nelnet the following day to get in touch with the XXXX. 

I called them and they told me that the {$5.00} fee they were expecting from me was actually already paid for. We also discussed the returning of my {$6500.00}. I was told by XXXX that she would send my case to her supervisors along with the phone call with Customer Service for review. Today, I was told that the customer service representative never even discussed getting my debited money back.
Sears has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Re : Capital One Account ending in XXXX This credit card had a credit protection service on it, in the event of job loss. When I called in to report my job loss, the creditor said they no longer honor that program. Subsequently, this is a violation of basic contracts law as there was no meeting of the minds at inception, violation of the UCC section 2-201, as I had made regular payments and had a reasonable expectation of the minimum payments to be made during the time of my job loss. Additionally, I find a violation of section 1-304 of the UCC as the creditor had no good faith, and entered the contract with unclean hands.
I received a collection notice from a company in South Carolina earlier this month stating I owed over {$22000.00}. I called the company and was told this was for year XXXX for a balance due to XXXX XXXX. I let them know I did not owe XXXX any money when I left the school 27 years ago and have received no bills or notifications. The collection company told me XXXX sent a bill in XXXX. I sent both the University and the collection company letters to validate the debt. XXXX sent paperwork for a loan in XXXX. According to my student loan account 3 loans have been paid off and were for that year. Under Fair Debt Collection practices, it seems unfair to send a bill 27 years later for something that has been paid. I am not in default according to the Student Loan Financing Company who handles my loans today. My transcripts have never had an issue being released all of this time and I do not owe this money. I never emailed XXXXXXXX XXXX. I sent a letter and received a response back to call them.
I was notified by my mortgage lender of a company called Midwest recovery systems who placed an item on my credit report for {$930.00} for a supposed pay day loan. I have not taken payday loan since  XXXX  and I had my bankruptcy finalized in  XXXX . I have never heard from this company nor any loan company via phone, mail, or email. It just suddenly appeared on my report. I attempted to contact them and they just threaten me. They refuse to provide any support to their claim and it is having a negative impact on my credit. I have read they are a scam and many people are having difficulties. I want this removed from my  XXXX ,  XXXX , and all to other credit reports
I recently found a copy of my credit report from  XXXX . This is the year I filed the medical malpractice law sue. My date of birth have been changed to  XX/XX/XXXX . My employers shows  XXXX ,  XXXX ,   XXXX   XXXX   XXXX  . That year my address was   XXXX   XXXX   XXXX    XXXX  TN  XXXX . Reported  XX/XX/XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  TN  XXXX , reported  XX/XX/XXXX .   XXXX   XXXX    XXXX  TN  XXXX . Reported  XX/XX/XXXX . I was discharged from wage earner  XX/XX/XXXX  Case number  XXXX . I filed bankruptcy in  XXXX  case number  XXXX . There was a judgement in  XXXX , that number was  XXXX . I am formerly known as   XXXX   XXXX   XXXX  , aka   XXXX   XXXX   XXXX  , aka   XXXX   XXXX
I have submitted bk information to Equifax several times proving that this debt has been dismissed and should not be reported as an open/ongoing collection account as they are doing, they have refused to change this in my credit report, XXXX & XXXX have removed this account and show no collections in my reports, only Equifax has not done so. 
XXXX
I believe that I have unfairly been charged 2 separate overdraft fees for the same day. On XX/XX/2017, Bank of America processed a series of charges which caused my checking account to go negative by a few dollars. While, I very much find the timing and manner of which they processed these charges objectionable, I will concede that I did schedule more charges than was currently in my account believing that I would have time to deposit more funds ( which I did the very next day ). What I find virtually criminal is how they structured the events ( of the same day ) so that they took a minor amount from another of my accounts to charge me a " {$12.00} overdraft protection fee '' and then charge a " {$35.00} overdraft fee '' for the same day all processed simultaneously!
XXXX - I paid off my automobile loan in the XXXX of 2010. I requested a copy of my credit bureau from Experian, and to my surprise in the comments section ; Consumer Disputes ( disagrees ). I have tried on numerous occasions to have to removed however, after 8 attempts over the 7years. As a last resort I must contact the CFPB.
I had purchased goods via paypal services but have not heard from the company or received the goods. Initially received first item that had errors, so initially was told via email that he would rectify it by sending another one all we had to do was pay additional shipping. So we paid the Shipping on the XXXX of XXXX. He took the money since and we have not heard back from and of our emails. He is also a business overseas. We tried to deal with it properly through him first but he was very argumentative and disagreeable but then decided to send us a replacement as well as keep the original which we had already spent more money to fix what he had not done properly.
Re : Midland Funding , LLC Debt Amt : XXXX Paid, Settled Amt : {$1400.00} Reason : Has not removed lawsuit submission, has not sent a letter that the account has been paid, settled, continues to bill me for {$1600.00}. 

I found out about this debt while looking up my name in the XXXX Superior Court case information website. 
I contacted Midland Funding , LLC ( phone number listed on case XXXX ) and was connected to a representative, who threatened that legal action would be pursued if this debt would not be cleared. She stated that Midland Funding LLC would accept a negotiated amount of {$1400.00} to clear this debt, if it was paid in 2 days. 
I paid {$1400.00} to Midland Funding in XX/XX/XXXX, over the phone. 
Midland Funding LLC stated that they would send a resolution letter within 1 business week, stating that the account has been settled. They also stated that the lawsuit would be dropped. This is the 3rd business week, and I have not received a resolution letter & the lawsuit is still in place. Three weeks after settling this account in full, I received a letter stating that I still owe {$1600.00}. When I called XXXX, they could not provide answers regarding both the lawsuit and the correspondence letter which was suppose to be sent.
I went to buy something at Best Buy they opened up a card and charged it on there. I never received the card or any statements. I went to Best Buy and paid what I owed, they told me what the balance was. I then started getting calls from Citibank about Best Buy but my understanding I paid what I owed. Never had a physical card from them or any bills. I had paid whatever was open at Best Buy in person. Now theyre charging me with fees on top of fees and dont care about my situation it is not just.
My husband and I took out a second mortgage in XXXX it was a 15 year fixed loan at 12.625 % since then we had some draw backs and inXXXX/XXXX save the dream helped bring this loan current however the mortgage company indicates a different amount paid by save the dream our experience report show different reporting the mortgage company says we missed like 27 payment. When we tried to see if the would settle for a lesser amount they said the loan has matured and can. It work with us it is so confusing please help me understand, XXXX XXXX XXXX
XXXX XXXX XXXX ( FICO ) - XXXX and Equifax are incorrectly calculating and reporting my credit score. I was told I have a " split '' Equifax file where when FICO runs an algorithm to determine my score sometimes FICO sends all information in my report and other times sends partial information. This inconsistency causes fluctuation in my score of more than 100 points monthly making it an unreliable and incorrect indicator of my credit profile and harming my consumer profile with creditors. Both companies are aware of this yet nothing has been done to address or fix the problem.
I have a XXXX mortgage loan with citimortgage. The mortgage type is XXXX year balloon with a interest rate of 11.625 % with a monthly payment of {$760.00} I currently have a decreased of {$10000.00} in income due to job placement. I apply for a loan modification to decreased my monthly payment to a affordable payment. I was approved for a loan modification for the amount of {$720.00} with a XXXX interest rate. Citimortgage adjusted my monthly mortgage payment per month for {$48.00}. I am trying to dispute this matter, and I am not getting assistance or help with a affordable payment. I am having trouble with making my mortgage payments. I am not able to afford the monthly payment of {$720.00} per month. I have every intention of paying what I owed. I just wanted assistance with an affordable monthly payment that will allow me to make. I will like to be reviewed for an affordable mortgage or a lower interest rate. I have a conventional loan and citimortgage loan is not trying to help me keep my home. Please help me keep my home.
Through XXXX XXXX product referral, I applied for a Wells Fargo Platinum CC with a 0 % intro rate for 18 months, and an interest rate of 13-27 % at the end of the term based on credit score and income. My credit scores were XXXX through XXXX, XXXX from XXXX, and XXXX from XXXX. WF issues the card with a credit limit of {$1500.00} with 0 % APR through XX/XX/20 and 27 % thereafter. My income annual exceeds the income of 99 % of US households and I have 98 % of available credit across 15 active accounts available. No one at Wells Fargo could explain what the APR would be at the same income and available % of credit with FICO scores differing between 850, 800, 750, 700, 650, etc. I believe that WF falsely advertised the lower 13 % interest rate as a means to trick consumers with good credit history to apply for a credit card that would always be a high interest credit card. Further, I do not believe Wells Fargo is using actuarial or any valid means of issuing credit to risk. I reported the issue to XXXX and XXXX XXXX as well as Wells Fargo. I closed the account with Wells Fargo without ever using it. However, they will be reported as a lender in my report as well as a hard inquiry, adversely impacting my FICO score.
Well for several months I contacted Exeter Finance with no response to trying to solve the situation at hand. I was told that I had not paid for an XX/XX/XXXX payment. I let them know that the funds for XX/XX/XXXX had come out of my account. And they told me no I still had to pay for the month of XX/XX/XXXX. When I spoke to a repersentive they told me I was 112 days past due and was still demanding payment for XX/XX/XXXX. I was I also asked for a form to match payments made and never received it from them. So in the end they reposed the car and I was told that I still had to pay for the month of XX/XX/XXXX on top of all the other fees. Fees for storage, tow and all back payments which totaled around {$2000.00} dollars all in all. They are not a good finance company they offered no other alternatives. They are a straight rip off and are no good to consumers trying to make it. So by Exeter doing what they did I am now forced to file Bankruptcy.
My credit card from XXXX ( Account number XXXX XXXX XXXX XXXX ) was stolen in XXXX 2011 and reported to the police. I have the police report. I have contacted XXXX and submitted several documents, including the police report and statements from me and my wife, and they have refused to delete the negative information from their records and from Experian. XXXX XXXX and XXXX deleted the information, but Experian will not delete it without XXXX " signing off '' on it. Please help! I 've been trying to get this straightened out for over a year now.
XXXXThey claim i owe {$330.00} when XXXX needed to replace a product due to the 3G product failing and only a 4G product could replace it. 

Its costing me XXXX per month in my home loan due to this issue. 

Many others experiencing the same issue : XXXXXXXX : XXXX
Sir, On XX/XX/XXXX I Have sent XXXX $ to XXXX ( XXXXXXXXXXXX ) using Paypal for a personal service. But after receiving money they do n't contact me even their cell phone is switched off.
They have harassed me for MONTHS. They threaten me and tell me I can go to jail. I have told them they have the wrong person. I wrote them a letter stating I am not this person and to stop harassing me. They continue. I block their phone numbers and they call on a differ ent one. I jus t contacted them. I spoke with "  XXXX  '' who refused to tell me her last name, or her title, or her supervisor and said that " I better pay ''. This is beyond absurd. In this letter it states that the original creditar is "  XXXX  ''. I have NEVER had an account with  XXXX . Never. They also have the name as "  XXXX   XXXX  '' My birth name is  XXXX   XXXX   XXXX  and it has never changed in my   XXXX   years. No matter what I do, they continue to harass me. The name of the  Collection Agency according to the one piece of mail that was sent to me is SOURCE RM
Associated Credit Services , Inc. Claims to be collecting a lawfully owed debt to XXXX, XXXX XXXX When I wrote them and explained the debt IS NOT owed and the claim that the debt is owed is false. They sent back a legal agreement I never signed and have never seen prior to Associated Credit Services , Inc. remittance of the agreement. The agreement sent by Associated Credit Services , Inc. further does not contain my signature in any way shape or form. They also sent a generated invoice for {$600.00}. XXXX, XXXX and Associated Credit Services , Inc. are committing mail fraud by attempting to collect false and/or fake debts via the U.S. Postal System, I feel they  should be investigated and charged.
I have been investigating my loan since before my school closed I filed a police report for fraud and Navient still is charging me for this. I have provided information to both them and XXXX re this private loan. Non of them are helping and I still have to pay it since its effecting my credit
-Applying the wrong amounts to principal and interest. My statements show {$230.00} going to interest and only {$34.00} going to principal. 

-Very high interest rates compared to other federal/private lenders. I have asked many time to have this reduced to a lower amount to make paying off loans easier.
I initiated a balance transfer from my XXXX XXXX card to my Chase card. A few days after I submitted the transfer I had the new balance on my XXXX XXXX account. I still had the balance on my Chase account. I contacted XXXX XXXX and went over the information. I gave them the account that is was suppose to be paid off ( Chase ). They said they sent an electronic payment to a XXXX digit number ( they did n't have the last XXXX of my credit card ). They said the tried to do a stop payment but could not due to it being an electronic payment. I contacted Chase and they said since the account does n't exist they can not locate the money. They said to contact XXXX XXXX and they can " take their money back ''. I have been in contact with several supervisors and no one wants to help me. They point the finger at the other bank. XXXX XXXX assures me that since they sent it electronically that there is nothing they can do. Chase assures me that there is nothing they can do. I do n't think I entered an account number in error but even if I did I do n't know why this is n't fixable. There was a payment of {$1100.00} sent to an account that does n't exist. There should be a ledger showing this amount on Chase 's system and they should either credit my account or reject the payment from XXXX XXXX. I am now stuck with XXXX balances with no end in sight. I am at my wits end and no one wants to get it resolved.
My first contact with this debt collector was in being sent a photocopy of a bill from the original creditor. 

I sent them an affidavit requesting documentation from this debt collector showing the contract from the original creditor stating the true and accurate final debt amount owed to the original creditor and stating that this debt collector was given the right to collect the original creditor 's final debt amount. 

The FDCP mandates that debt collectors have 30 days to respond to debtor requests for proof of true and accurate debt information. 

This debt collector did not respond nor provide me with any documentation. 

Therefore, I consider this to be a case of fraud and extortion.
Received letter statin g that Pinnacle Credit Services ( letter is fro m  XXXX   XXXX   )  has purchased a referenced account from another creditor. The original creditor is listed as  XXXX   XXXX  Bank, then  XXXX   XXXX , then Pinnacle. The Account balance says {$2500.00} but we can settle for {$1200.00} within 45 days. This is not my account or I do n't know what they are talking abou t. Letter also states that since the debt is so old that they can not sue me or report me to a credit agency. Unless I notify them within 30 days to pay the debt it will they will obtain verification of the debt or obta in a copy of a judgement and mail me a copy. Still, no idea what they are talking about and have had no past dealings with   XXXX    XXXX  other than a recent credit card I have that has never been late. No past collections, no past contact about this issue. I looked online and found a lot of scam information from this company and phone number. When I tried to call  XXXX  I can not reach anyone at all and the message just repeats itself over and over again.
I am filing this complaint because my requests have been ignored by Equifax. As my requests to be provided with documents that their company has on file that was used to authenticate and verify these accounts has been ignored, these accounts should be deleted immediately, under Section 611 ( 5 ) ( A ) ( i ) of the FCRA - " they are required to promptly delete all information which can not be verified with accuracy
Keeps calling asking for someone whom I have never heard of. I have asked multiple times to stop calling and told them repeatedly they have the wrong number. Last call XX/XX/19 at XXXX XXXX  central time. This is 2 times today I have spoken to them. The are calling to collect payment from a XXXX XXXX   whom Im not associated with in the amount of XXXX. The system keeps " glitching '' when I ask to be removed from the call list.
Signed up for credit karma.com today. 
Credit karma never disclosed when advertising for sign up that it is a hard inquiry my score went from XXXX 20 points down just for an inquiry.
I contacted the debt collector on XX/XX/2017 to try and work out a payment plan. The amount that was asked for was too high for me to pay. The agent mentioned that I had twenty four hours to come up with an answer or he will tell the original private loan company ( XXXX ) that I am not willing to work with them.
XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX All this are wrong and i called the credit bureau and they do n't want to remove it ... from my credit.
First Issue : Loan # with Chase XXXX the XXXX XXXX # IS XXXX. This is a Mortgage with Chase, which I believe has already been paid off through Securitization. Has is Mortgage or Note ever been Securitized. When original mortgage was done. The Note which is the Property of XXXX XXXX Not the banks. 
Second Issue : I have repeatedly asked that the sale date be removed because this is duel processing which is in violation of the HAMP ruled attached. This file is currently in review for a HAMP Modification with Chase and has an Escalation opened with chase and an office of the president file opened Sale date of XXXX/XXXX/2015 which is still open. 
Third issue : Single point of contact and request for Documents. XXXX XXXX has had XXXX. XXXX single points of contact and provided all doc 's requested in writing from chase. The main problem is that every time the file changes Single points of contact the information from the last Single point of contact seams to get lost and not forwarded to the new single point of contact.
I am a victim of identity theft. I have a fraudulent account and hard inquiry listed on my Trans Union and XXXX credit report that do n't belong to me. The following account and hard inquiry is fraudulent : XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX
Our XXXX XXXX was stolen this year from out home. Our insurance company XXXX paid out all but {$2600.00} of the remaining balance on the note held by Capitol One Auto Finance. 

Capitol on sent us correspondence stating that the balance would need to be paid by XXXX XXXX in XXXX. We arranged a monthly debit of XXXX to pay down the balance and to pay the remaining balance due by the end of XXXX XXXX. Capitol one would not put this agreement in writing. To date, we have asked them if we can extend the payments through XXXX and pay the remaining balance by XXXX XXXX XXXX. They tell us there is nothing they can do. And they will charge off the account by XXXX XXXX if we do n't pay in full. They also deleted all account information on their website. We fully intend to pay the balance in full but need some extra time.