WillisBack/dataset-financial-user-claim huggingface dataset:
I have been receiving phone calls from Cash Central USA since XX/XX/XXXX informing me that my application had been approved for up to {$10000.00}. I called them on XX/XX/XXXX to inquire about my application and agreed to take a loan out for {$3000.00}. One of the company 's loan officers, who identified himself at XXXX XXXX completed my application and told me that another loan officer, XXXX, who disperses the loans would be in contact with me. XXXX called me later in the evening and told me that because my credit score was not above 700 that I would have to go through another process to increase my score. This process would involve money being deposited into my account and I would have to go to XXXX the next morning to send the money back and then I would receive the entire loan amount. I'm skeptical because on my bank statement it says " Mobile deposit {$900.00} '' but no updated balance. I believe this is a scam.
PNC Bank originally started my loan process in XXXX of 2018 ... after delays and more delays, I sought help from another lender who within 10 days has already approved my loan ... the problem is PNC will not release the VA appraisal, which I have paid for, through the VA portal to my new lender and we have requested they do so on numerous occasions. ( we've sent them my new lenders VA number to be able to transfer the appraisal several times too ). For the past week they have continued to lie to me stating that they have released it in the VA portal, but when my new lender checks the VA portal it is still not there. 

PLEASE HELP. I AM IN RISK OF LOSING MY EARNEST MONEY DEPOSIT AND MY NEW HOME.
Hi I had a Heloc with Wells Fargo & called on XX/XX/XXXX to ask for my pay off amount.They said it was XXXX plus XXXX a day after that.I went to their branch on XXXX XXXX in XXXX, Pa with a certified check for XXXX at XXXX XXXX est.The branch took my money & said the loan was paid off & closed.I went online the next day & it showed as a pending payment.I called Wells Fargo & said why is my loan still showing up online with a credit of XXXX, they said it takes a couple days & the branch did not ask me to sign a document that had to be signed.I called on XX/XX/XXXX & said how would I be getting my credit for XXXX & they said I would not be getting it back due to county fees.Why did they not tell me about these county fees when I asked for the payoff amount? Now I have to go back to the branch tomorrow in 0 degree weather because they dont know how to close out a loan.Also they said I would be credited the XXXX but on the phone call today XX/XX/XXXX they said nothing would be credited.I have been a loyal customer to this bank for 12 plus years & they are going to lose my mortgage, checking & savings account if they dont make this right.Thank you.Bottom line, I want my credit & a apology from management on this nightmare.
On  XXXX   XXXX ,  2017 , a charge was submitted in the amount of {$75.00}, to Bank of America via my debit card from   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  VA  XXXX . Bank of America returned the charge as a check/item and charged my account a {$35.00} insufficient funds fee for each debit card transaction. This is a practice that has been repeated. However, if the debit card were used at the establishment in person, the charge would have been rejected immediately and no fee would be charged.     I contacted Bank of America on  XXXX   XXXX , then again on  XXXX   XXXX  when I spoke with a superviso r [   XXXX   ] r egarding the policy of charging a fee for the use of a debit card, when it 's used without being swiped or inserted directly into a credit card reader. According to  XXXX , the vendor received initial authorization for process the charge, however, they took too long to complete the process. Therefore, by the time the charge was completed the bank is within its right to charge a fee, even though the debit card was used.     If in fact the bank issued an authorization to the vendor, I should not be penalized with a fee once the process is completed. For this reason, Bank of America should refund all fees that were associated with debit card purchases or payments.
I moved out of an apartment XX/XX/XXXX. The apartment complex I moved out of ( and gave my forwarding address to ) never notified me of an outstanding balance nor did they refund me my deposit. The first notification I received of a debt was XXXX XXXX, XXXX from I Q Data International. I called them in regards to my balance and notified them that I had not received any prior notices from them or my apartment complex. They kept arguing with me, telling me that I needed to contact my mail carrier because they had copies of letters they had sent out back XX/XX/XXXX and XX/XX/XXXX. I asked for an itemized list and they would not send one out to me. I did not receive any notice of a balance nor of my right to dispute the balance. If I had, I would have done so! They balance is over {$1800.00} at this point and I have no idea why! They also failed to include the other tenant in their collections, which they are legally obligated to do! I talked my way through XXXX supervisors to finally speak to a man named XXXX XXXX. He was the rudest person I have ever talked to. He kept saying, " I 'm not going to do anything sir. Are you going to pay your bill or not? '' I simply wanted an explanation as to why I was the only one included on the debt and why my first notification of an outstanding balance came 9 months after I moved out and the account had accrued a ton of interest? After doing some research online, I found that this company is notorious for violating the Fair Debt Collection Act. The Attorney General has shut them down before when they were known as XXXX, XXXX and XXXX. It seems they are still violating my rights under a new name.
I have filed a  609  with   XXXX   on  X/X/17   ,  X/XX/17   , and  X/XX/17   .   Equifax   on on   XXXX   and  X/XX/17   , and  XXXX  on  X/XX/17    and  X/XX/17.  Then I sent a letter stating that I would file a complaint with the FTC, and they continually are replying that the accounts belong to me, but I was/am disputing that if the Credit Bureaus CAN NOT provide a copy of the original signature that the items should be removed from my credit report. They are in blatant disregard, according to the  609  law. Here is the list below of the items that I have reported to be removed from my credit report  XXXX  = {$620.00},  XXXX   XXXX  = {$1300.00}  XXXX  = {$1900.00}.     Thank You,  XXXX   XXXX
I obtained an auto loan with Capital One Auto Finance in XX/XX/XXXX and I signed a contract for a four or five year loan. I am being told that my car will not be paid off until XX/XX/XXXX. That is a 10 year car loan. I never agreed to a 10 year car loan. I believe that Capital One is intentionally deceiving consumers with predatory lending and abusive car loan practices to include some or all of the following : 1. loan flipping 2. breach of contract 3. fraud 4. predatory lending 5. abusive car loan 6. bait and switch 7. equal credit opportunity act 8. truth in lending 9. discrimination 10. intentional deceptive practices
Due to poor security practices and the recent Equifax hack my personal information was improperly shared with others and will be shared will untold many numbers in the future.
We are trying to obtain financing for a home and we were told that there was a mortgage through Loancare Servicing Center from 2014, still on the credit report. It showed Open/In good standing/Paid as agreed, but it had a balance of {$360000.00}. 
This loan was a refinance of a previous house ( since sold ) and the loan had been sold several times after this servicer had bought it. We contacted them on XX/XX/XXXX requesting a correction and a letter stating that the correction was being made. We have nothing. I call every day and each call takes approximately 30 minutes, only to be told that it will be escalated and someone will call and a letter will be sent " in 24-48 hours '', but no one ever calls and we have no email, no letter, NOTHING. We are unable to get financing for our new home because of this. THEY HAVE ACKNOWLEDGED THAT THIS IS AN ERRONEOUS REPORTING and I still can not get them to put that in an email. I do n't know what else to do.
Ameritech financial or a related company is in connection with my student loans. The federal trade commission has sued this company for deception practices, the court has not ruled as of yet, I want my money back and my personal information to be secured. I am taking the necessary steps to secure all of my personal information and in hopes of receiving all of hard earned money I have been struggling to pay. I was so happy thinking I was paying back my loan forgiveness and to my surprised being robbed of my money is totally not fair. I want justice for this and now I have to find another program.
Discrimination and loss of money by Chase Bank. 
On XXXX XXXX, before I paid to the XXXX deposit I received from them assurance that if I will make deposit XXXX, I will receive from them {$10000.00} bonus. Then after one month with their broker help I will earn {$100000.00}. This information I received by their chat and is copied. 
Unfortunately, no call I received from the broker. After my intervention the broker called me, he made XXXX trades within two weeks. The third he lost about {$500.00} of my money. One month has passed and I lost some money. After that I sent them request for withdrawal my deposit, because they cheated me. They sent me information that to withdrawal my money I need earn over {$300000.00}. 
I sent them info that the reason that I decided to withdrawal my deposit of {$4000.00} ( less {$1000.00} by my personal loss ) is that they cheated me, no earned {$100000.00} but loss. 
By their chat and emails I asked them many times for my money back but they ignore me and blocked my IP, so now no response from. 
Regarding this scam on XXXX XXXX XXXX XXXX I asked Chase bank by phone for help. The send me from one person to another. They promised me credit within 12 hours, but did not received from them claim number. 
Within next few days I did not received the promised credit and any confirmation letter, no claim number. 
Then I sent the by email again explanation of the scam with proof ; screens shots of website and email. Also no any response from Chase bank. After next week I sent to chase bank by their website again complaint and asked them for response and claim number, but this time I received automatic email back with assurance : This is to confirm we have received your message sent XXXX/XXXX/2015. You can expect to receive a response within 24 hours. 
However, they cheated me, no any response to this day. 
I accuse Chase Bank of discrimination and loss of money. 
Such behavior is serious criminal act against Bank 's clients, because they allow fraudsters to feel impunity.
their customer service would not help and take care of the negative inquiries reporting to your credit report.+All BanksXXXX XXXX XXXXInquiry from XX/XX/XXXX+Credit UnionsXXXX XXXX XXXXInquiry from XX/XX/XXXX+Miscellaneous Reptg. AgenciesXXXX XXXX XXXXInquiry from XX/XX/XXXX+Credit UnionsXXXXInquiry from XX/XX/XXXX+XXXX XXXX XXXX XXXX XXXX XXXX XXXXInquiry from XX/XX/XXXX+All BanksXXXX XXXX XXXXInquiry from XX/XX/XXXX+All BanksXXXX XXXX XXXX XXXXInquiry from XX/XX/XXXX+Automobile Dealers, NewXXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXX XXXX XXXXInquiry from XX/XX/XXXX+Automobile Dealers, NewXXXX XXXX XXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXXInquiry from XX/XX/XXXX+Personal Loans Cos.XXXX XXXX XXXX XXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXX XXXXInquiry from XX/XX/XXXX+Personal Loans Cos.XXXX XXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXXInquiry from XX/XX/XXXX+Sales FinancingXXXXInquiry from XX/XX/XXXX+Miscellaneous Reptg. AgenciesXXXXInquiry from XX/XX/XXXX+Miscellaneous Reptg. AgenciesXXXX XXXX XXXXInquiry from XX/XX/XXXX

+Automobile Dealers, OldXXXX XXXX XXXXInquiry from XX/XX/XXXX+Credit UnionsXXXX XXXX XXXXInquiry from XX/XX/XXXX+Credit UnionsXXXX XXXX XXXX XXXXInquiry from XX/XX/XXXX+All BanksXXXX XXXXInquiry from XX/XX/XXXX+Telephone CompaniesXXXXInquiry from XX/XX/XXXX+Miscellaneous UtilitiesXXXX XXXX XXXXInquiry from XX/XX/XXXX+Credit UnionsXXXXInquiry from XX/XX/XXXX+Miscellaneous Reptg. AgenciesXXXX XXXXInquiry from XX/XX/XXXX+Personal Loans Cos.XXXX XXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXX XXXX XXXXInquiry from XX/XX/XXXX+Auto FinancingXXXXInquiry from XX/XX/XXXX+Miscellaneous Reptg. Agencies
I have contacted XXXX multiple times concerning this debt. An account was established at an address where I 've never lived. The negative account for {$2700.00} has been on my credit history. I 've contested it on my credit report it remains as an accurate account. XXXX has told me they would escalate the issue and have someone call me. No one ever calls.
I spoke with a representative with penfed credit union an offered me a re-age program to pay {$93.00} a month on my penfed credit card. My account wasn't past due. The representative stated I wouldn't be reported to the credit buero because I was offered a program to pay for 3 months the {$93.00} not my normal minimum payment. Well after paying the {$93.00} for 3 months, I was reported to the credit buero 30 days past due with no indication or notice I was late, after the representative told me I wouldn't be reported its was a safe program penfed offered to help pay off you credit card balance. I spoke with penfed and they said they don't record there calls, and they would try to fix it. Well they reported me current for the next month, but the 30 points I lost on the score didn't return. I would like a apology for them misleading me and my score dropping 30 points at no fault of mine.
experian has updated false information, that is very harmful to the credit standing on experian personal credit report ( included here ) .the final and last payment on this forclosed real estate loan was XXXX.that means this account is far beyond the 7 year limit of negative reporting.I have obtained a complete payment history of the loan from XXXX XXXX XXXX today ( incuded here ) .the XXXX XXXX XXXX account number is XXXX. 
THIS ACCOUNT ACCORDING TO FCRA MUST BE DELETED IMMEDIATELY, XXXX AND EXPERIAN BOTH HAVE LEGAL LIABILITY.
My late father 's house had a {$120.00} utility bill by XXXX XXXX. The bill was sent to the new owners and they did not forward the bill to me for payment. 
I sold the house and the bill was in limbo as to who owed the bill. 
I never received any notice from XXXX, or XXXX, ( collection agency ) until it was turned over to collection. I sent two letters to XXXX explaining the situation and that the bill was due / paid by the new homeowners. Zero response from XXXX. 
Finally when I saw the collection on my credit report, I called XXXX and explained that I would pay the bill but I needed the collection off of my report. They stated that they would show it paid, but not take off the report. 
I contacted XXXX XXXX and they stated if I paid them, ( XXXX ) they would notify XXXX that this was paid in full, and to mark paid and remove from my credit report. This was not done. 
I filed letters with the three credit agencies stating the dispute, and to remove. XXXX  removed it in 24 hours. The other two agencies have not. 
This gross mistake by XXXX is costing me a mortgage and poor credit score. 
Thank you in advance for your help.
I am writing to dispute the following information in my file. I recently received a copy of m y Trans Union  credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     Under the Fair Credit Reporting  Act, 15 U.S.C. 1681g I have t he right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.     If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required unde r Section 611 ( a ) ( 5 ) ( A ) ( i  ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.     Under the FCR A 15 U.S.C. 1681i, all  unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.     Please provide me with a copy of an updated and corrected credit report showing these items removed.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B . Insurance C. Employment D. Court O rder The following credit inquiries are related to none of the aforementioned permissible  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
I am a victim of identity theft and the following accounts listed on my Equifax credit report are unauthorized and all fraudulent accounts that are not my accounts : 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, US Department of Education, XXXX.
To whom it may concern : I am writing to express a complaint of disgust regarding my Navient, formerly Sallie Mae, loan debt. I began my education with a school entitled, The XXXX XXXX, in XXXX, N.J. for the year XX/XX/XXXX, and left four years later from a, XXXX XXXX XXXX. Also, this program that the United States Government granted fiscal loan funding for me to attend was for XXXX XXXXXXXX. Only it would also be allowed to advance a real time XXXX program while accepting pay and attendance from XXXX XXXXXXXX. At the time many unethical offenses were experienced by me and other consumers of The XXXX XXXX. It was the title schools final years and during the business transaction with XXXX XXXX XXXX almost any and all oral contracts had been revised with students. Actions, such as : uncertified teachers conducting English class would pass without any hard evidence obtained from the student/consumer to provide in a court of law. Therefore, many took a leave of absence and most assuredly left crying over the debt more than the time lost. 
Im writing to share my shame for ever trusting a United States federal loan agreement. I still owe a lot of money plus federal loan interest on what I consider to be a con debt. My experience and overall poor timing in attending a proprietary school my Government felt compelled to make loan offers to for business was a bad egg decision. If I had understood what little success would really come from the financial investment I was being allowed to make, I never would have made it. I was only XXXX years old when I signed away my right to a responsible future with a family, for debt that would never amount to anything great. Its been a shameful display, but not mine alone to bear. Furthermore, I will continue to live and witness more unethical practices i.e. debt collection Sallie Mae. 
I wish someone within Government cared enough to seal up these sort of lose ends on Federal loans. I wish my Government wasnt seeking to profit rather than aid a citizen dream. I would hope that someone would investigate the validity of my claims and remove my debt. Navient can not or will not even negotiate a settlement after almost twenty five years of accruing. Honestly, there has to be a better way. 

Sincerely, Said Student/Consumer
I was reviewing my credit report this evening XX/XX/19 from Experian and I notice that Experian is STILL reporting two invalid addresses. One address where I no longer reside which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX. I sent Experian a letter from a notary swearing that I live at my current address and I provided them a copy of a recent utility bill with my name on it. The only address that is a valid address is the address that I am currently residing in and all my credit accounts on my credit reports states that I reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York, XXXX. The other address which is XXXX XXXX XXXX XXXX XXXX, NY XXXX is an invalid address that needs to be remove immediately. As of this writing. I have mailed Experian via Next day mail service another recent copy of my utility bill as well as a notarized letter stating my current valid address via motor vehicles which they will receive by Monday XX/XX/2019. They are requested to sign for the package, so the package has a copy of my drivers licence, a notarized letter and a copy of my utility stating my valid address which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX. Also just a side note I reached out to XXXX  and XXXX and both of those companies deleted the invalid addresses and only list my current address. Please assist me with having them remove. I also indicated that I will be reaching out to the CFPB with this complaint. Thank you kindly Best, XXXX XXXX
On Tuesday, XXXX XXXX, I contacted a debt collection agency to inquire more about the debt that I was being billed for. The total was XXXX. 
I placed the call from my office phone - this line is a blocked caller id line. I found out the information I needed and ended the call. A few minutes later, a call came into the office line and a person was asking for me. They identified themselves as an agent from the Collection company that I was speaking to a few minutes ago and stated that they believed the call was cut short and wanted to collect the debt at that moment. 

I was shocked and embarrassed to receive a call like that into my place of work. I was also shocked that they traced a blocked number and redialed it. I had never disclosed the phone number I was calling from. And the call was completed before I originally disconnected.
On XXXX XXXX, 2017 I obtain a copy of my transunion report and i notice i had inaccurate and incorrect information on my report which caused my score to lowers. 
It is my understanding I would like to receive everything in writing that shows if debts are validated her set with a did.
My credit was ran to purchase a home and I found out something in the amount of {$400.00} was sent to collections to a company called Berlin Wheeler. I have never been contacted by this company or advised of this debt. However now may not get my loan due to this XXXX issue I was never informed of. I did receive what I took as a fraud call in XXXX of 2015 from a male with an XXXX accent stating they were from the federal government. The message stated if I did not pay them a past due amount over the phone within XXXX hours I would have a warrant for my arrest. I called the number back and spoke with another XXXX accent male, I told him I was contacting the FBI with the number and he hung up. I tried calling back and the number was disconnected. I thought nothing else of it.