WillisBack/dataset-financial-user-claim huggingface dataset:
I was given a credit card by PNC that allowed for zero interest during a several month promotional period. I called PNC to ask if I would be charged interest on the balance I accrued during these months, once the promotion expired. I was told that I would not pay any interest on this balance, and only pay interest on debt accrued after the promotional period had passed. I made this call around XXXX 2015, and PNC admits that they have this recorded phone conversation, but continue to charge me interest on past purchases. They have told me that I was given false information, and that this mistake has granted them a coaching opportunity. I told them I did n't think that was very nice at all and requested that the interest payments be credited back to my account.
I am filing this complaint using information obtained from XXXX  credit reporting agency. 

On XX/XX/18 I filed a dispute on my XXXX credit report. It was showing that I had 3 public record reports. A few days before the 30 day deadline, it was closed with no change. I contacted XXXX, to see where the information come from. 

XXXX  gave me a tremendous run around, then ended up naming multiple companies as the source. I am filing this complaint on all of the services that XXXX stated where involved. I am hoping that if you where not involved, that you will at least provide a letter stating that you did not report the public record information to be true, and correct as XXXX  has stated. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, La XXXX XXXX XXXX The dispute timeline was filed on XX/XX/XXXX-XX/XX/XXXX XX/XX/2018. Once again I ask if you are not the involved party, please at least for the protection of myself, and your name a statement that you have not reported, not obtained a public record search. 

XXXX is using merged information, violations of the FCRA, and there breaking the law to try to push this off on me, and others. Please I am begging you to do the right thing, and help me fight XXXX. 

If you are the reporting co, please leave proper contact information, so I may call you, and get this taken care of. 

Thank you in advance, XXXX
I called first XXXX XXXX and told them I needed help paying my loans they consolidated my loan but the interest rate kept going up then Navient took over and when I tell them the payment is too high they put me in forbearance for a month or 2 at a time and I end up with a debt of XXXX from XXXX. I ca n't pay my loans it will be XXXX if I make my payments of XXXX a month I ca n't afford that
I lived in the apartment complex in XX/XX/XXXX this debt is saying that it was opened in XX/XX/XXXX and after I disputed the the debt they doubled the amount owed! I have attempted contact them by phone multiple times with no response! I am not sure what to do to get this issue resolved and I really need some assistance with getting this resolved.
We purchased a ring from Helzberg Diamonds for my wife on XXXX XXXX, 2016 and opened a credit card account that night with Capital One to save 10 % on the purchase. Helzberg did not give us a 10 % discount but rather a 5 % and 5 %. After the sale we turned around and wrote a check to have a zero balance on the credit card. It was a beautiful ring but unfortunately we took it back because the stone was not changing colors ( XXXX ). I received my money back immediately that was paid from a debit card. I called Capital One when I received the credit card in the mail and canceled the account. I received a letter in the mail dated XXXX XXXX, 2016 stating that the credit card account was closed. I was also told that I should receive the money back we paid from using the credit card within 10 days. I have called several times because the check was not in the mail and I was told each time it was. I also received a billing statement from Capital One that was dated XXXX XXXX, 2016 which shows a credit on the account. Finally on XXXX XXXX, 2016 I spoke with a manager and Capital One who informed me that my check would be overnighted and would arrive on XXXX XXXX, 2016 due to XXXX. I told her that would be fine. I check the mail today and still no check from Capital One. I called and spoke with a different manager today and she told me that the check was not even in the mail. It has been 27 days since the ring was returned and I still do not know when I will receive my money back from Capital One. My wife and I will never make a purchase at Helzberg Diamonds again. We will also never use a credit card that has anything to do with Capital One.
I would like to place a complaint the company or person called my place of employment from a restricted number ..spoke to my boss and told my boss they were going to take legal action and called family members saying they were going to get me fired. The name of the person is XXXX and there is a person named XXXX his extension is XXXX I was able to get their nbr by calling the restricted number its XXXX
lexis sent me a " we removed some things but were not going to tell you what or send you a new report letter because we dont trust you '' letter. 

This is illegal. If changes were or were not made to a consumer credit file, the consumer MUST be sent a corrected copy, not have to begging for it. 

Furthermore I dont think ALL of the requested items were purged.I provided plenty of information from the data furnishers themselves. 

" public records '' was never officially defined for me. WHO? people have names. PIs have licenses. courthouses have county names. sherriffs are not allowed to slander people. companies are not allowed to extort people. 

This needs to be corrected on all legitimate and nonlegitimate CRAs reporting or reselling ANY information whatsoever. 

company REMAINS IN NONCOMPLIANCE with FCRA.
I chose the option saying that the transaction was not authorized, but that is not accurate. The transaction was authorized, but they have a full refund policy that they repeatedly promise to honor but never do. 
On XX/XX/XXXX there is a charge of {$29.00} for the design of a logo on my account. After a few days, I called the company to ask for a refund and succumbed to an up-sale. I was told that for {$300.00} they would design a logo and build a website. On XX/XX/XXXX XXXX charged {$270.00}. After some back and forth and complaints about customer service, the logo was never completed and the website was never started. On XX/XX/XXXX I emailed the rep at XXXX asking for a refund. I was told that I would eventually get it, but after eight months, constant emails back and forth, and even an attempt to have my bank file a claim, I am still waiting for my refund. Service was never delivered and I want my {$290.00} back. Please help me. Thank you.
My name is XXXX XXXX. On XX/XX/2017, I received Wells Fargo credit card Billing Statement to " XXXX XXXX '' for outstanding balance in the amount of {$2700.00}. 
I called XXXX XXXX XXXX XXXX XXXX closing the credit card because the credit card is n't on my name, the credit card also contains fraudulent charges on it. XXXX XXXX XXXX XXXX XXXX closed the credit card account but they did n't remove fraudulent changes, as a result I have called Wells Fargo Executive Office and they forwarded me to XXXX 's voice mail. I have called XXXX at the Wells Fargo Executive Office for seven times and left three voice mails ; but nobody in Wells Fargo Executive Office calls me back. 
This Wells Fargo credit card account has closed with fraudulent charges, this credit card is n't valid because it hasnt been on my legal name XXXX XXXX. 
Please refer to enclosed document including my legal name documentation, Wells Fargo letter and billing statement.
On XX/XX/XXXX I received an invoice from XXXX XXXX with the invoice amount broken down as following for a services claimed to have provided in XX/XX/XXXX : Account number : XXXX Patient payment : {$0.00} invoice balance : XXXX I called XXXX the next day and inquired why I received this invoice as I had full coverage of NY XXXX through XXXX with {$0.00} co-payment? Hospital rep informed me that this invoice is only for information whilst the payment will be settled with insurance company and I do n't need to worry. I kept the invoice but did n't note down the exact date and time of my phone call with XXXX. 

on XX/XX/XXXX I received a letter dated XX/XX/XXXX from Debt collection company ( XXXX ) ( Account # XXXX ) notifying me of the debt claiming that I owe {$640.00}. I called the debt collector but was not offered any assistance. While I am trying to contact the XXXX, I am afraid that I need assistance of your bureau to make sure both XXXX and XXXX give this matter due consideration to sole the problem with insurance company and necessary information is provided to me for appropriate action. 

For the medical assistance which XXXX has offered, every single step is taken as instructed by my XXXX who is also the focal point to advise regarding my coverage and to seek approval of insurance company for the expenses. All medical assistance which I have ever received from this medical facility, endorsed by my XXXX include urgent care-outpatient assistance, regular medical check and relevant normal process. None of the medical assistance were ever doubted or advised by my XXXX to be outside my insurance coverage. I believe that the XXXX processing associate may have been mistaken to omit my insurance which is after almost two years and last year 's assurance that this invoice will be settled with insurance, is made my problem with XXXX assistance offered from debt collector.
Chase had reported my payments late to the various credit bureau reporting agencies, I disputed their reporting and then they reported I had filed bankruptcy and XXXX was owed on my account, which is incorrect because I have been making monthly payments. Their reporting has harmed me and I am unable to secure home insurance at an affordable due to their harm.
I am a victim of identity theft. The following XXXX credit card account ending in : XXXX is listed on my XXXX XXXX, Equifax and XXXX credit report and is fraudulent and unauthorized, and I did n't apply for the XXXX credit card account. The account do n't belong to me. It 's a fraudulent account.
On XXXX XXXX, 2017 at XXXX XXXX CST, I called number XXXX and rep, XXXX, refused to transfer me to the Bank of America travel center. I was placed on hold for 12 minutes while XXXX probed, silently listened to me talk to my computer, and kept coming back saying we have no travel center. I could not get access via my Internet. I said this to XXXX. She agitated me. Then, I got transferred to a female specialist to help with my website and lack of access, who claimed they have no travel center only rewards. And, she said my phone was breaking up, that I was screaming at her, and to stop. Finally, after yelling at her that I felt like I was in the Twilight Zone, she gave me the travel center phone number XXXX, and sent me to, XXXX, in travel center took care of me and apologized. I do n't understand why these folks have to play with me and act dumb. I said " no '' to using my travel rewards 10 times. They claim they can not hear me unless I speak and use the correct tone of voice and verbiage. They act punitively toward me and it makes my phone transactions difficult and tiresome.
I am a victim of Transunion credit inquiries issue ; I spoke with a Transunion representative multiple times, offered to send a copy of my XXXX credit report for the past 6 months. 
The following credit inquiries are not mine : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
ACCOUNT WAS PAID IN FULL TO ORIGINAL CREDITOR. 3RD PART COLLECTION AGENCY SOUTHWEST CREDIT SYSTEMS PLACED NEGATIVE REPORTING THAT A BALANCE IS STILL OWED WHICH APPEAR TO BE INTEREST OR PENALTY. I HAVE WRITTEN THEM & CONTACTED THEM MORE THAN TWICE WITH NO RESOLVE.
I, XXXX XXXX purchased carpet at Home Depot. I went to the store twice. The first order I cancel it and purchased another color. Home Depot did a bad job with the installation on the carpet. I called them and they stated that Home Depot settled the matter with me and they refused to look into the matter. <P/>Citibank should not take sides with Home Depot I am the one paying them. And Home Depot and I are in the courts over this case. But Citibank should look at what information I am telling them and showing them that the amount on the card was wrong they do n't care they refuse to speak with me and they are my bank. CITIBANK SHOULD LOOK INTO THIS MATTER AND TAKE OFF MY CREDIT CARD WHAT I DID NOT AGREE ON PAYING. <P/>XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX
I have a wells fargo account. They are always putting the transaction between 2-3 says after the purchases or payments. For example every week they are supposed to post my car payment, at the beginning they put they payment the fridays, now it not appears in my account until Tuesday. The same with my cellphone bill, at the moment of the payment they post it in the account, an hour later is gone and again it takes 2-3 days to post it. I 'm always cheking my account to avoid negative balances, but I know that they can do better posting transaction faster. This kind of behavior affects my account sometimes with fees or insufficient balances wich is not fair. I dont think I 'll need to keep an eye in my account all days to avoid that kinds of fees or negatives. The fee thing just happens once and they give me back the money because was my 1st one, but I do n't want to wait to another one so they dont give me back that one.
HSBC, I am enclosing a response from XXXX XXXX XXXX XXXX stating an Account # XXXX from HSBC that is allegedly owned by me. Please verify this account as belonging to me along with date opened, date closed/charged off, date of 1st delinquency and amount. I have no records of this account that they claim has a date of delinquency or charge off of XX/XX/XXXX. I maintain that I have not had an HSBC card since XXXX and this account does not belong to me. Please read the response below from XXXX XXXX XXXX XXXX and verify the accuracy. Thank you : To Whom It May Concern : MrXXXX XXXX is referring to a different account number. XXXX XXXX XXXX, XXXX account number for HSBC is XXXX the open account is XX/XX/XXXX, and charge off account is XX/XX/XXXX. MrXXXX XXXX tried to remove himself from XXXX two times. Thank you In response to XXXX XXXX XXXX, I do not know what XXXX is and all I am trying to do is fix inaccurate information that may have been sold to you. HSBC is the original creditor and I will await their response to this matter. 
Thank you!
Account : XXXX XXXX # XXXX ( {$370.00} per month ) XX/XX/XXXX XX/XX/XXXX reflects 30 instead of OK. 

Dispute Letter Mailed to XXXX, XXXX and Experian : Dispute Statement - The payment reporting for this account is completely inaccurate. My credit file currently reflects that I missed payments or made a payment greater than 30 days late to XXXX XXXX for all of the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did make payments on time and in full on all of those months, I did not make the payments past 30 days from the due date. Please update/correct this information on my credit file as soon as possible to reflect accurate payments made on time for all of those months. I have disputed the inaccuracy of this account reporting for those months multiple times with all three credit bureaus and its causing a significant affliction on my overall credit status and financial options, causing hardship on education plans for my son and other life needs. 

Supporting Documentation Provided to XXXX, XXXX and Experian by Mail : Enclosed a copy of my Checking Account Transaction History Report, which verifies that I did make the monthly payments for all of those months and payments were made in the amounts of {$380.00} or above, which is higher than the minimum monthly payment required and also paid within 30 days from the monthly bill due date.
I want that charge off amount of {$300.00} to be taken off of my account with XXXX XXXX. I have paid up in full my monies due from the balance due.
This company is trying to collect {$1800.00} from me for a medical bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
I was just made aware a hard inquiry was made on XX/XX/2018 was made to XXXX XXXX. This was not authorized by me. I did not request anything on said date. This is fraud. I just want this removed as I did not authorize it.
XXXX XXXX XXXX is impossible to deal with. I went to a dealer to get a loan with my wife. We applied and got approved threw Santander. We went in and signed. After signing they asked for my proof of income, proof of residence and my drivers license. I provided the dealer with all the requested information. Unfortunately my license was suspended and expired at the time. The dealer told me I could not be on the loan, and my wife would more than likely not qualify by herself but they would try. The resubmitted the loan in just her name and she was approved. She went in and resigned in just her name only. We took the car home. I some what recently found that my name was in the loan. I could not be on the loan because my license was expired and suspended. I have tried multiple times to correct this via different avenues, but XXXX XXXX insist that there 's is not a mistake. They sent me a copy of all documents they had, in the documents was the contract i signed that wasnt valid because my licsense was suspened and expired, and a copy of my drivers license. That copy of my drivers license had a valid experation date, but you could clearly see that the date had been changed as it did not match the font of the rest of the drivers license. The dealership changed the date on my license and went with the first contract. The dealership commited fraud. When I spoke to them on the phone told them what happened and told them that it violates my rights, they said " do n't throw around terms you do n't understand ''. They also said they only way they would consider removing the item from my credit was if I filled a police report. I call the city police department where I purchased the vehicle, because the loan was opened 10 years ago, they informed me that it was past the statute of limitations for fraud. I can not file a police report. I no longer have the license from 10 years ago. I asked XXXX if santander verified my identity, by verifying the sent documents? They said it 's not up to the lender to verify documents, that they took it on good faith from the dealership. They opened the account without verifying my identity, cause if they had verified it, they would have sent the contract back because my license was expired and suspended, and the documents did not match. Santander violated my rights by opening an account without verifying my identety. 

Santander nor XXXX have responded to me after they attempted to verify the debt with the fraudulent documents created by the the dealership, that they accepted without verification. The debt must be removed from my credit file as santander violated my consumer rights. 

Further more. If a creditor chooses to report to the credit companies, that information has to be 100 % accurate. All of my credit files are missing some payment information for the santander account. This is a violation of my rights, the item must be removed.
I tried submitting an investigation to Equifax Credit reporting agency about collections that are on my account that has been paid and that are not mines. Equifax online and over the phone dispute process will not accept the inquiries and kicks you out the system. I called and tried speaking to a live agent with no success. The hold times are continuous and no one ever picks up. This happens every time I attempt to resolve this problem.
There was money on my card, and I purchased things but the transactions did n't show or approve the amount s in two da ys. I have an app which sends my money to my card but it 's not processing my payments because my transactions from the bank are n't being successful, it still says processing.
Seterus reported my payment was late XX/XX/2016. I can provide copies of my customer account activity report generated by Seterus showing a payment was received on XX/XX/2016 in the amount of {$1300.00}.
XXXX XXXX, 2017 CFPB : Bank of America/Countrywide refuses to disclose to me the information about my XXXX Mortgage Loans that it has reported under the XXXX. I want, and need, to receive all such information. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXXXXXX
Hello, I applied for this loan and faced some financial difficulties because my student loans became due. This company helped me by deferring my payments. However, this caused my payments to balloon. I was not fully aware of what was occurring when my payments increased. Now they are sending me emails saying I have options to pay off my loan. However, when I call them they are telling me I have exhausted all of my options. Pay off also says the emails are automated. I work at a XXXX XXXX  and I know they should have some sort of filter to cease sending emails informing customers who have no options that they have options! I find this deceitful and extremely frustrating. Because i would like to work with them to become current. But they are not doing anything else to help. If they loan is charged off or I file bankruptcy they will get nothing.
I set up to have AUTO-PAY withdrawn from my bank account in XX/XX/2018. The amount would be XXXX monthly payment with an addition XXXX for principal ONLY as well. This payment is schedule to be withdrwan the XXXX of every month! 

I signed & submitted all necessary document to have this matter take place. I spoke with the personnel responsible to handle this ( XXXX XXXX ) and still my Account is not being honored.
Today ( XX/XX/XXXX ) I received 2 calls back to back at XXXX and XXXX from XXXX and XXXX from XXXX XXXX from XXXX XXXX XXXX XXXX regarding a debt with XXXX Mastercard. I informed her that I NEVER received a written letter to my address stating there was an attempt to collect a debt. Mrs. XXXX informed that their company was going green and they did not send letters out which I thought was odd. I told them due to hardship and extreme in income I did not have it but she still tried to get a payment or an agreement setup bringing up my tax return and etc. They attempted to be subtly threatening stating my account would go to the " next level '', but she could not elaborate what the " next level '' was. Her call back number was XXXX ext XXXX