WillisBack/dataset-financial-user-claim huggingface dataset:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX  Inquiry Date XX/XX/2016
On XXXX XXXX I went to a Bank of America branch in XXXX, Oregon to order new checks from the bank manager XXXX XXXX. On XXXX XXXX I ran out checks and I still did not receive my new checks. I called the customer service to inquire, they said no checks were ordered on XXXX XXXX. I was disappointed and went to ask the manager why he did not order the checks and told him he lied to me. He insisted that he ordered them, we had an argument and suddenly he said " Do you want to hit me? We can settle this outside if you want! '' I was surprised a bank manager would threaten a customer. I ask him to give me the name and tel # of his superior, he angrily tossed a business card of XXXX XXXX, Senior Vice President, Operations Market Manager. I called this person and complained to him what kind of maltreatment I received from XXXX XXXX. He said he would call him and get back to me, he never called me back. I called another operations manager, XXXX XXXX XXXX and also complained to her, she also did not call me back. I believe they are covering up for their fellow co-worker. I have been a Bank of America customer since 1968 and I never experienced such humiliation and verbal abuse from a bank manager. This person definitely needs an anger management counseling. Contact info re : these bank officials : 1. XXXX XXXX, Financial Center XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX ; tel ( XXXX ) XXXX ext XXXX ; fax- ( XXXX ) XXXX ; email : XXXXXXXXXXXX 2. XXXX XXXX, Senior Vice President, Operations Market Manager,XXXX XXXX XXXX, XXXX XXXX , XXXX ; tel ( XXXX ) XXXX ; fax ( XXXX ) XXXX ; Cell ( XXXX ) XXXX : 3. XXXX XXXX XXXX, Senior Vice President, Operations Market Manager, XXXX XXXX XXXX, XXXX XXXX, XXXX ; tel ( XXXX ) XXXX ; email : XXXXXXXXXXXX
We have a HELOC with USBank. Two years ago, on or about XX/XX/XXXX, USBank took out and restricted our online access to our HELOC account, which was the way we had been making payments our HELOC ( we initially got our HELOC in XXXX ). After we noticed that we were not able to pay online and we had no access to our HELOC, we called customer service and were informed that our HELOC was in foreclosure. That was news to us as we were current and never late in any payments. We called and tried to get information from just about every customer service number available for USBank to no avail. We even contacted local USBank managers that we dealt with on a daily basis. These managers were not able to get any information. It wasn't until we threatened one of the managers with a subpoena and a lawsuit that we were given the option to pay only in person and in the branch and then the branch will send the payments to a " secret '' unit in Minnesota to process our payment. We have been doing that for two years now but we have not received any statements, we do not have any notices from USBank as to why our account is in foreclosure and USBank, and all of their representatives, continue to refuse to identify or even provide paperwork of foreclosure proceedings, etc.
For the past 2 years you have been reporting me late to the credit bureaus and continuing to damage my credit. As we discussed on multiple occasions, I was set up on auto pay when we opened the loan and for some unknown reason, the auto payments stopped happening. Once we fixed this, you told me you would be removing all the late payments from the credit reporting since it was your fault. You have never done so. Further, each time I speak with someone they say that this was your fault and that they would remove all the late payments from the credit reporting. This is really damaging my credit and keeping me from qualifying for a home mortgage for my XXXX kids. I need this fixed.
I have contacted XXXX  in regards to an account that was removed from my account that is not associated with me, and then as of XX/XX/XXXX18 i checked my report and it was placed on my credit file, so I don't know if it was a mistake or what but the XXXX XXXX account in the amount of XXXX is not mines, I have already dealt with this for years.
I began short sale negotiations on XXXX/XXXX/16 with XXXX XXXX of XXXX, after I lost my job on XXXX XXXX, 2016 with the XXXX. I knew I was n't going to be financially fit to maintain the current XXXX modification plan approved by XXXX. XXXX XXXX and I have been in touch throughout the process. For I 've completed all of the paperwork XXXX required from me ( see RMA ) to complete the short sale process. I was eligible to receive {$10000.00} for relocation assistance under the HAFA modification program the property is my primary residence. Effective XXXX XXXX, 2016, XXXX transferred the loan to KONDAUR Capital Corporation ( see Notice of Servicing Transfer ). I was told by XXXX XXXX that they do not participate in HAFA program ( see text messages ). I have no other place to go and I 'm rebounding from becoming gainfully employed in XXXX 2016. I am appalled that XXXX transferred the loan in the middle of the short sale and the new servicer KONDAUR is not a participating in the Home Affordable Foreclosure Alternatives Program. I 've complied with all the requirements according the short sale paperwork and by the required deadlines. I am seeking relief of {$10000.00} under the HAFA program to assist me with the moving expenses of my XXXX children, my belongings, and finding another residence.
My report shows there has been fraudulent activity on my report form different creditors and i dont know how to fix it or how it got there
Received a letter in the mail from " Convergent Outsourcing Inc. '' They state they are collecting a debt from XXXX. This appears to be a scam due to the fact that I have not used XXXX for many years. Additionally, I have seen numerous complaints about this company online. They say that I owe {$490.00}, but I can reduce the balance by XXXX % if I pay {$240.00} now.
Equifax has failed 10 attempts at resolving improper use of my credit report. My report is locked and nobody is supposed to be able to access it. Secondly, I paid XXXX XXXX XXXX   in full both accounts, they were paid in full in good faith and closed by me the consumer. I have attempted 10 times now with supporting documentation that this is true and accurate. So, since this is not getting done, I will be filing a motion against Equifax and XXXX XXXX XXXX for direct violation of Anti-Trust Laws
After XXXX other miss informed ordeals with OCWEN Loan servicing LLC and losing nearly {$1000.00} 2-3 years ago I want to record any and all calls with them for my records. the beginning of this year I had a financial storm with my health insurance being erased and my medications that are usually less than {$10.00} costing over {$250.00} on my fixed income. not a week later the hot water tank flooded my home wiping out my emergency money and then the bank did n't follow through with their over draft protection costing me excessive fees. I had only XXXX way to get my head above water financially it was to miss XXXX months house payment until I could sell a few things to get caught up. I tried to explain my situation numerous times to OCWEN and keep them informed but they began to get belligerent and disrespectful and demanding payment. They have refused to be recorded on the phone while trying to find a solution to this situation. I went the extra mile seeking mitigation through XXXX XXXX as they did a conference call only to be told its against OCWEN 's policy to have such a call and being recorded by XXXX XXXX for their records as well as mine. Investigating my options I have run into XXXX of complaints when dealing with these rude arrogant employees including Supervisors. They are trying to force a foreclosure by sending back checks for the monthly payment that was sent in. It is in my opinion and many others that OCWEN has NO intentions of dealing fairly with the public. I have every intention of getting caught up and trying to work with them with no results.
Last year I called XXXX XXXX to get their cable service. I specifically ask for certain channels. The rep gave me a package and I asked over 3 times did that package have the channels I was asking for, she said yes. When the installer came out and did his job, I told him to hold on until I checked for my desired channels and they were not in the package. I told the installer to disconnect everything and he called the office and told them what I said. The rep asked to speak to me and i constantly told her they lied to me so they could take their service and equipment. The installer stayed around for 2hrs and as he was standing there, i canceled the service. I mailed them back their equipment and remotes. The supervisor threaten to charge my account over {$800.00}. So I shut down all the accounts at the bank. Almost a year later they are filing this on my credit and put an amount I don't owe them in collections. I didn't have their service for 30 min so I thought. I had XXXX installed and XXXX XXXX was still letting my account remain open after I told them I wanted it cancel. I never got a bill nor a phone call. I cant see where I am responsible for the lack of professionalism in the XXXX XXXX business.
Good morning, I am one of PNC Bank 's Customers. I had a problem with PNC Bank ATM at XXXX XXXX XXXX XXXX, XXXX, VA XXXX on 0XX/XX/XXXX. I tried to withdraw monies {$500.00} from the ATM, however the monies did n't dispense and my account was debited. On the screen of ATM said that my monies got retained. I called customer service, his name is XXXX, he told me that he filed the dispute and refund or credit my monies {$500.00} back at that time or the latest was the day after the incident. 
The next day, XXXX/XXXX/XXXX, I still did n't see the monies, I chatted with online customer service, her name is XXXX. She said that XXXX did n't file the dispute and she needed to file my dispute in order for me to get my monies back. XXXX did n't file the dispute either and somebody ( XXXX XXXX, customer service manager called and I told her everything. She filed the dispute on behalf of me. I did n't understand how bad the services from PNC Bank. My frustration has increased as I went to the branch directly where the ATM had a problem. I talked to branch manager XXXX XXXX XXXX, she told me that there 's nothing she can do to solve the problem as I have to wait for 10-45 business days to get my monies back otherwise I have to wait 45 business days per XXXX to get my monies back. I told her that I am a customer with other banks as well, when I had this issue, the other banks refunded my monies back right away ( at that same day ). I contacted the online customer service today XX/XX/XXXX for some information of PNC Bank 's President Director. XXXX, customer service online did n't want to give it to me instead telling me to wait for 10-45 business days. 
It 's really ridiculous. I do n't think this is a good service from the bank and the bank has violated my right. 
Please escalate this problem as soon as possible and have the bank refund the monies and all compensation that I have been through. 

Thanks
I had a CareCredit account through Synchrony Bank. I just received notification that my account was closed due to inactivity in the last 12 months. Given the nature of the account being for medical needs, I never would have thought I needed to use it within a specific period of time to keep it open. How can I plan when medical needs will arise? Of course, now I do have a procedure scheduled for which I was planning on using this account however when I called to ask to have my account reactivated, I was told that was impossible. If it 's possible to close it, how is not possible to reopen it? My letter clearly states the closure was not based credit behavior. I also want to point out that I was not notified my account was scheduled to be closed so I had no chance to request it remain open. When I questioned the lack of notice during my call with Synchrony, I was told they did notify me with a letter telling me account was closed. What good does it do me to notify me after you already have closed my account without having the ability to reinstate it. Account closure letter dated XXXX/XXXX/15, received XXXX/XXXX/15.
Company called my phone number and my mother's phone number on X/X/2017 asking for information on my location and gave a call back number of XXXX XXXX XXXX without identifying themselves or the company they work for.
My Home Depot/Citibank credit card recently warned me of " Interest on Promotional Purchases will be due shortly ''. However I never knowingly made any " deferred interest '' purchases and was NOT made aware of these purchases until now. I tried to resolve this with Citibank though they refused to acknowledge this deception. Please advise. Thanks!
I received a notification on a credit monitoring site that I had a new collection. I went to obtain my free annual credit report to view the details of this alleged collection. I saw a creditor listed that was not a company I have had an account with in the past or present. They stated the original creditor was an XXXX XXXX XXXX. I have not received not XXXX statement regarding a current or past due bill from neither company. I have not received any voicemails from either of these companies. I would n't have even known this is being reported if I was n't using a monitoring service. I have not worked to maintain my credit in very good standings to have what is reported as a {$250.00} bill drag my credit score down. This company has n't done any verification or validation. My address and phone number has been the same for more than five years. Yet, I have not been sent not even XXXX bill, invoice, or statement. I am just automatically sent to collections without any type of notice that a bill ever existed.
I opened XXXX accounts at Wells Fargo, and deposited {$11000.00} and {$50.00}. 
WF later closed my account and the account balance shows {$0.00}. The transaction history shows it was closed due to XXXX. However, no WF employee told me when I opened my account that I needed to provide any information - or I would have submitted it the same day. 
I called the customer service number and they said they ca n't help me and go to a branch. I went to a branch and they said they could n't help me and would call back. They never did. I called WF again on the phone and they told me to go to a branch. It has been over 5 weeks, and I still can not find my {$12000.00} and can not access the funds. One person said it should have been mailed out, but did not know if it actually had, and could provide no information. 
I am still out {$12000.00} with no answers.
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late last XX/XX/2018.
I purchased a new bed in XXXX and financed it with Synchrony Bank. I almost did not buy the bed because the payment was too high. The Manager at XXXX dealt with the financing and told me the payment would be $ XXXX/per month. I have this in email, I agreed to buy the bed. I received the first bill and the payment was not what I was told it would be and was $ XXXX/per mo. I tried to return the bed but I was not receiving a response to my calls or emails regarding this. I then had to move states abruptly and in doing so it seems I missed a payment. I have received nothing but harassment from the bank. I do not understand how if I was one payment late, how can I make 3 payments in one month and still be getting these calls that I am behind. I have good credit and pride myself on paying my debts. I have not received an accounting of my account and I want the constant harassment to stop. I have seriously paid out {$490.00} dollars in one month on an account that the payment is {$110.00}. HOW AM I STILL LATE???????
On XX/XX/2017 I opened an checking account with First Tennessee Bank in respond to a promotion they were advertising on their website at the time : Checking account with direct deposit and get {$300.00} with promotion code XXXX. At the time the ads did not mention anything about direct mailer other than being a resident of TN and surrounding area. Two months after I satisfied the direct deposit requirement my account was still not credited with the {$300.00} that they advertised. So in late XX/XX/XXXX I contacted the bank by phone, and after the agent verified my direct deposits she assured me that the bonus would be credited to my account within 3 to 5 business days because she said she has put in an escalating ticket for me. But a week passed, then two weeks, and still nothing. Finally in late XX/XX/XXXX after I complained in the bank survey someone contacted me, only this time i was given a totally different answer. I was told they denied my bonus because they believe my home address was not on their mailing list. They now claim that promotion was for physical mailer only. What a total lie! That promotion was advertised boldly on their website at the time and i just clicked on the " APPLY NOW '' button under that ads and opened my account. It was never a physical mailer! I don't understand why they are making up such lousy lies now. The only explanation would be to avoid paying out the bonus that they promised in their ads. Either way, that kind of marketing/business practice is very deceiving and dishonest. They may be able to acquire customers quickly at first but won't last.
I was contacted by  Rauch-Milliken International , I  XXXX  on behalf of  XXXX   XXXX    XXXX   concerning an outstanding obligation of {$1300.00}. The amount due was related to advertising in the  XXXX   XXXX   XXXX . I was disputing the amount due with  XXXX   XXXX  since the advertising provided was late and it was not in the agreed upon format. The account was turned over to  Rauch-Milliken f or collection and they proceeded to send threatening letters suggesting they would purse asset attachment or seize my bank accounts unless I paid the outstanding balance immediately. I also received several harassing phone calls threatening the same. The representative suggested he was calling from an attorney 's office as opposed to a collection agency. I explained that I was in discussion with Home Pages directly and that I was disputing the amount due but they continued to call repeatedly. They also contacted my employer despite my instructions to only contact me on my cell phone. In addition, they sent a threatening fax to my attention at my work fax number. I spoke to a  Rauch Milliken re presentative on the phone on two occasions and in both interactions the representative threatened legal action, used profanity, and even called me a " dead beat '' for not paying my bills. This company is completely unprofessional and their collection tactics are in direct violation of the Fair Debt Collection Practices Act.
I completed a dispute for an account listed on my credit report as a collection from XXXX XXXX XXXX. Being that I have never done business or signed a contract with them I asked for validation of debt owed in XX/XX/XXXX. I received a letter on XX/XX/XXXX, which is after the allowed 30 day period, that included their " validation of owed debt ''. This letter only states how much was owed at the time. The letter never notified me of my rights under FDCPA and FCRA to dispute any information I deemed as inaccurate.
I have American Express points earned through their program after the required spending. My points we delivered to my account however AMEX will not let me use them as offered in points program despite being listed as " available '' for use. Disingenuous to offer membership rewards points and not let the consumer actually use the points despite being earned. Unclear how this is n't fraudulent on AMEX 's part?
when I purchase this car I bought extra coverage in case of damage to the car from XXXX Toyota called Guaranteed Auto Protection ( GAP ) program from Toyota Financial Services. According to my loan contract ( attached ) no other insurance is required. Also my auto loan is with Toyota Financial Services. On XXXX I has a collision which my car was totaled and the police officer at the seen suggested I put the car in impound. I contacted Toyota financial and the told me they 're going to have the car towed to the nearest dealership, I also contacted the Toyota GAP to file claim and they told me the the Toyota financial services loss department has to file the claim. I also contacted my insurance and they denied the claim since it was my fault. I received a letter requesting my insurance information from Toyota and I fax it to them with police report. It took over 8 months for the account to go to loss department. I contacted the loss department and I told them that I have GAP ins and they told me loss department has to file the claim they told they would. Every time I called the Toyota GAP they told me and transferred me to Toyota loss department and would n't help me. I was transferred so many times between the department and I did n't receive any request for document except the intitial insurance information. I waited 5 months when I called Toyota loss department they told me that Toyota GAP has denied the claim and that my file is empty and they have nothing to provide Toyota GAP. Also they did n't know why Toyota gap denied claim. I called Toyota GAP and they transferred again to Toyota loss dept. and they transfer my to Toyota recovery and they told me that the account has gone to collection and they wont take calls from me that whatever question I have to call the collection department. The collection would n't help me I called so many times Toyota GAP till I got the letter enclosed the requested item from Toyota GAP to pay the claim and I see that Toyota loss department could have provided all of these items and I have them too with the exception of the " lienholder/lesser report '' in lieu of the repair estimate. I need this form to have the claim paid. I want this file reopen and all of item on the Toyota gap request to be sent to them to have claim paid and writ off to be removed from the loan.
I have already submitted earlier today a complaint ( # XXXX & # XXXX ) regarding XXXX XXXX XXXX. I wanted to make sure to include the other company in which he spoke of TD Bank, however, did not release an amount. Initially he stated that the total sum included both companies XXXX and TD Bank, but when sending information per my request, it listed XXXX only for the full amount. I was misled by them verbally, and nothing has been sent regarding TD Bank in which he mentioned. I 'm believing that he intentionally withheld information so he can do a second judgment in which he will continue to harass me. I 'm not denying owing either company, however, I am disputing the amount of XXXX and I have no idea of the amount he will be claiming from TD Bank. I 'm attaching more supportive documents.
On several different occasions an unknown caller has called and said consider yourself served. Left a number and with case number to call. When I called that number XXXX the gentleman told me that I owe a hospital debt and that I have been served? I have never been served and he stated just because I watch law and order does n't mean XXXX. I explained to him that my medical bills have been paid and that I just paid over 3,000. for XX/XX/XXXX and he stated that I owe {$900.00} from XX/XX/XXXX. I said that I would need to review that bill please send it to me. There is nothing on my credit report otherwise. He said that you can not deny you were at the hospital and you need to just pay it now or we will sue. Please have them stop harassing me