WillisBack/dataset-financial-user-claim huggingface dataset:
I have a personal checking account with First National Bank of PA. Their corporate office is located in XXXX , PA. 

Three weeks ago I wrote to them telling them to close out my checking account and put my line of credit on a billing cycle as I was moving and it was difficult to bank with them. By example when you call their customer service number, you are put on hold for 10 minutes at a time, each of the 5 times that I have called. When I call their XXXX XXXX branch in XXXX, PA., it rings busy all the time. 

When I mailed them the letter 3 weeks ago, I monitored my account and it was never closed out and I never got the mailed monthly billing for my line of credit. 

On Friday XX/XX/2016 I went to their branch in XXXX XXXX on XXXX XXXX. Stood around for 15 minutes and was turned away when the branch manager told me she had to go pick up her " kid '' and a teller would help me. The teller took my name and contact information and said that the girl that just left would call me on Saturday. Since my account was currenltly housed at the XXXX XXXX location, she said that the manager would also call me. Saturday came and went. Monday they were closed. On Tuesday, I called the XXXX XXXX branch and it was like I was talking to the man on the moon. Finally, they told me I had to call XXXX, the branch manager at the XXXX XXXX store. I called that number 14 times in a half hour period and it was busy. 

On XX/XX/XXXX try, I got a teller who listened, took notes and was going to have the assistant branch manager call me. The branch manager was out. 4 hours later no return call. 

Here is the crux of my complaint. The bank did not close out the account and put me on direct billing. There was about {$75.00} in the unclosed account, and the automatic payment overdrafted my account by {$4.00}. Then in 5 successive 3 day periods, I was charged {$12.00} per 3 day period for an overdraft that the bank created. I got no emails, letters or anything. When I talked to the branch I asked them to close out the account and refund the overdrafts. I also wrote a check for {$1000.00} and applied it against my line of credit. So far the bank has gone dark, not returned my calls and is probably charging an overdraft fee every 3 days. Coincidently, if the bank would have closed the account, I would n't have overdrawn the account and would have made a payment within the grace period of the loan. 

This bank has no moral compass and they seem to delight in XXXX the customer at every opportunity. This is n't the first time I have had to deal with their egregious management style.
I have been receiving telephone messages from Blitt & Gaines, P.C. over the last several months regarding some kind of debt that they imply I owe. I usually ignore the calls but today I got fed up with the annoyance, knowing that I pay my bills on time and do not have any uncollected debts. Therefor, I contacted XXXX and checked my history, which appears to be totally fine. Then I contacted the law practice and spoke with XXXX XXXX. I stated that I did not owe any debt, had no knowledge of of any debt and requested that they correct their records and cease leaving me telephone messages. I proceeded to locate their office on the internet and sent them an email to the same effect. Finally, I contacted the Illinois State 's Attorney 's office, as well as your bureau, and made both agencies aware of my complaint.
In or about XXXX XXXX, I was XXXX which XXXX. The boat that I was riding on for this XXXX race crashed and I XXXX, which left me unable to work. I was able to obtain a reverse mortgage with Champion Mortgage at the time. I was responsible to keep up with the property taxes. I fell behind on my taxes with Champion and they were gracious enough to allow me to pay {$210.00} per month until the {$7600.00} was paid off. I executed a contract with Champion. After making two payments to Champion, the loan was transferred to XXXX. XXXX refuses to acknowledge the payment arrangement I had with Champion and is now threatening to foreclose on me. Two weeks ago when I called, I was informed that to avoid foreclosure, I would have to pay a lump sum of {$7600.00}. I sent XXXX a chashiers check and they refused to cash it. They are claiming that they paid over a XXXX on XXXX XXXX, XXXX for my property taxes. However, I had paid the property taxes on XXXX XXXX, XXXX. I borrowed the money to pay off the balance DESPITE the fact that I was on a re-payment plan with Champion and XXXX refuses to acknowledge. Now, XXXX mistakenly paid property tax which I already paid and they are refusing to stop the foreclosure process even though I jsut gace them a LUMP sum of {$7300.00}. Not only is XXXX acting unreasonably but they are violating the agreement I reached with Champion. Now they are going back on the amount stated to me that needed to get me out f foreclosure, I am XXXX I am over XXXX years old,, I am current with my property taxes and I just gave XXXX a check for {$7300.00}. They made the mistake of paying a property tax in addition to what I paid. I am on a fixed income and I can not give them the extra {$1000.00}. Please tell them not to treat old and XXXX people in this manner. They could easily have worked with me so as to avoid foreclosure they have a lump sum of money and they want to throw this old and XXXX man on the streets when I have complied with every demand. Why is Chamption allowed to enter into a contract with someone like me then when the loan is transferred, isnt it Champion 's duty to make sure the new owner of the loan is aware of the contract entered into with them. Please force Champion and other lenders dealing with old people to make sure they handle the loans properly and to ensure that if they enter into a contract the new servicer or owner also ABIDES by the contract. Please help me XXXX bless you.
This is regarding my XXXX Inquiry on XX/XX/2017, this complete unauthorized inquiry and not have my permission, please look into issue and remove it from my credit report from Equifax as soon as possible. they are not responding to my inqury.
I rescinded my loan mortgage XXXX XXXX, XXXX because I did n't have my disclosures my original lender out of business Wells Fargo the mortgage servicer ignored letter of rescission instead filed documents for illegal foreclosure 3 months later. I send 3 different letters requesting validation of debt via USPS with returned receipt which they totally ignored instead kept sending letters to my home with different amounts owed.
Macy 's credit card website is designed to confuse its credit holder. I enrolled paperless statement, but the website does n't offer download monthly statement in PDF file. It is extremely difficult to read Macys ' credit card statement in an excel format. I have asked the electronic PDF statement, but no avail. I had to unenroll paperless, and wait for the us mail.
I opened an account in XX/XX/2016 with Wells Fargo and had been making regular payments on the account. 

Without notification, the balance on the account was transferred to a new account in XX/XX/2016 that I did not request to be opened. 

I have asked Wells Fargo for an explanation as to why was this account opened in my name and the balance transferred. I received a message that the inquiry was being sent to their Executive Offices, but I have not received a response. 

From my understanding, Wells Fargo was fined million for such fraudulent business practices, and there was a full-page ad in the XXXX this week apologizing for similar activity.
I have repeatedly contacted Nelnet for assistance in designing something that will allow me a payment that I can afford. The information that I have been given has been completely misleading, several times, and in actuality false. I have continued to contact them, never getting any assistance. I was told to consolidate my Parent Plus Loans - this was last fall. After I had been told previously not to do so. I questioned Nelnet thoroughly about this and was assured it was the right thing to do. And then my payment more than doubled. I was then told that it was because I had consolidated. Which was the advice given to me by the Nelnet load advisor. 
I have been through XXXX different sets of paperwork, all different, all needing the same information. I have called and spoken to 6 different people, none of who could tell me the same thing - except they had a " program that I qualified for '' in front of them. Each time I was given false information. Each time Nelnet could keep getting interest accrued on my account. The last person, a supervisor named XXXX approved a Mandatory Deferment, based on my net income, not gross income. I asked several times if that is what she meant and I was assured that it was. I again completed paperwork, only to find that AGAIN I did not qualify for any help - and my payment would stay the same. I have been clear with them that it was because of their misleading information and seemingly untrained staff who give out false information that I feel as if they have conned me. At this point, while they say I can pay the 20 % of my income, I can not. And I have repeatedly said I would pay {$100.00} per month. I am being financially crushed. I am a XXXX year old widow. I helped my daughter complete college with the Parent Plus Loans. I went to college when she was young to better myself. I am not better off at all, if anything I am worse off. I need assistance and a solution.
I applied to Sebonic Financial to refinance the house that I live in. They suggest I refinance my investment property as well. They said the reason for this suggestion was because it would allow me to get a cheaper interest rate rather than refinance with a jumbo mortgage. They immediately as me to pay for XXXX appraisals, which totaled approx. {$1300.00}. They asked me to send them a lot of paperwork and I did. Many times when I submitted the paperwork, they would tell me several weeks later that they never got it. Then they told me that too much time had passed and they would not be able to give me the promised lower interest rate. Finally, they told me to show that I had at least {$20000.00} available to me and it would need to show up in my bank statements in order to constitute the proof they needed. I immediately took {$20000.00} out of my home safe and deposited it into my checking account. Later, maybe three weeks later, they told me that the money would need to be seasoned or vested for three to six months. Finally, after 98 days had passed from the day that I started the loan process they told me that they could not make the loan because they could not trace the deposited funds to any acceptable source. I explained over and over again that XXXX of my commercial buildings that I own happens to be legally licensed as a rooming house and it is an all cash business. I fully explained that I chose not to go to the bank on a daily basis. I further explained that this money was accumulated over a long length of time. I made it very clear that all of this money had been clearly stated on my tax returns, of which they had copies. I suggested they do the math as shown on my personal tax return and see that the amount of income that I reported on my personal tax return was the exact amount show on my XXXX XXXX return. They said that was not the problem. They then declined the loan after 98 days had passed. I immediately asked for my appraisal money back, to no avail ... I COULD NOT FIND A COMPANY IN EXISTENCE CALLED SEBONIC FINANCIAL. If they exist, they do not have a license. I think they are owned by Cardinal Financial. They have completely rejected my request for the CEO 's name and or mailing address. One word perfectly describes them, ..ENCOMPETANT.
I have disputed this account multiple times within the last year with Commonwealth Finance in regards to this account not being mines and needing to be taken off of all consumer reports. I NEVER have been to the client whom they are trying to bill for, which is XXXX XXXX XXXX, ever in my entire life. This is a false account and demand it to be taken off of my report. The collection agency claims to have taken if off my reports XXXX/2017, but it still has yet to be removed and it 's XXXX XXXX, 2017. I have attached proof from my complaint with the BBB that the agency is to have this removed.
I made a transfer via PayPal from my linked bank account to my brother. PayPal advertises that those types of transfers are free. 

I received a notice from PayPal indicating the payment came from my bank account and saying my brother will receive {$2000.00}. 

My brother got a notice from PayPal indicating Money received + {$1900.00}. 

In other words, PayPal misrepresented to me that there was no fee, but PayPal charged the {$58.00} ( 2.915 % ) fee to my brother and delivered only the net proceeds to my brother.
There has been an enormous amount of fraudulent inquiries on my credit report due to my personal information being hacked. I have reported this to each credit bureau identifying that I have been a victim of fraud. The only credit bureau that has been great with helping me is XXXX. Trans Union and XXXX refuse to investigate the fraud inquiries listed on my credit report that were all done online, not one of  these inquiries were done in a store where I had to verify identification. I have tried to dispute these inquiries but the Credit Bureau continue to response and say that the information is a factual record, however ; it clearly indicates fraud. Some of these inquires are listed twice by the same creditor on the same exact day or within 30 days, clear indication of fraud. No creditor needs to pull a hard inquiry more than once in 30 days. I have urged them for their assistance and they refuse to be of help.
To the Consumer Financial Protection Bureau : I XXXX recently filed a CFPB complaint against a national collection agency that specialized in the collection of unpaid rent. This agency send a compromised offer, but they did not expose the truth of my arrangement with The XXXX apartment complex. I hereby attach a copy of an email between myself and XXXX, Assistant Property Manager at the apartment complex in question. My move out from this complex was requested professionally as I was facing a family crisis back in XXXX State, and the ownership was understanding and agreed that I would only be responsible for the days whereas my apartment was nor re-rented, but that the management would advertise the apartment for rent immediately. The email response I have posted on this complaint shows that XXXX apologized that he was sorry the apartment was not advertised, and that he would not charge me for this mistake. This response concludes any argument that I owe anything towards the Fair Collections & Outsourcing , Inc . In addition, the settlement offer by FCO is hereby void, mainly because there is no lease termination fee in the entire lease, as posted for your review. This entire collection is a violation against my rights under the Fair Debt Collection Practices Act, the leasing by-laws of the state of XXXX, and since FCO posted the collection on every credit bureau, a serious violation of the Fair Credit Reporting Act. FCO has acted devious by adding charges to an invoice that are not included in my lease, and the fact remains that my move was amicable and the management of XXXX agreed that I was not going to be charged for the apartment post move. FCO must file a removal of the case and send removal letters to all pertinent credit reporting agencies on behalf of XXXX and XXXX respectively.
My loans were in forbearance until the month of XXXX. In XXXX however I took 2 summer classes which should have put my loans in a deferment status. XXXX has not reported since XXXX the correct status thus a 40 point drop in my credit score. When I called them they said its now in deferment as of XX/XX/XXXX and will reflect on my future report however I will not be able to get those points back. They stated the information was delayed but on their part in updating me being in school.
Issue 1 ) Property damage sustained on or aboutXX/XX/XXXX. Claim filed with homeowners ' insurance onXX/XX/XXXX. Insurance adjuster inspected damage and filed a report with the insurance company. Check for {$17000.00} received on or aboutXX/XX/XXXX. Check endorsed by homeowner and sent certified with return receipt to mortgage company along with insurance company 's estimate. Estimate of {$6000.00} obtained from plumberXX/XX/XXXX and sent to mortgage loss draft department. Check made out to plumber and homeowner for 50 % / {$3000.00} given to plumber on XX/XX/XXXX. Plumber work completed onXX/XX/XXXX County inspector approved plumbing work onXX/XX/XXXX. Final plumber invoice for {$3000.00} and county inspector approval sent to mortgage company on XX/XX/XXXX Acknowledgement received XX/XX/XXXX from mortgage company of receipt of plumber final invoice and county inspector approval and informed by email from mortgage company that a inspector for the mortgage company would be contacting us in 72 hours to schedule an inspection of the plumber 's work and to contact the mortgage company if we were not contacted during that time. As ofXX/XX/XXXX we were not contacted in the 72 hour time by any inspector. OnXX/XX/XXXXcontacted the mortgage company that we had not been contacted by a inspector. On XX/XX/XXXX we received an email stating that ; " We regret to inform you of the continued delay in regards to your property inspection. Our inspection administrators are experiencing difficulty assigning an inspector in your area. Alternate vendors associated with your zip code have been contacted. We will provide you with an update as quickly as possible. '' On XX/XX/XXXX received an email from mortgage company asking ; " can you get me something in writing from the contractor to show what they have completed and I will look into issuing you the next disbursement? '' This email was forwarded to the plumber asking him to please respond to the mortgage company request.

Issue 2 ) Regarding the above insurance claim estimate ; according to the estimate on page 4 under General Items, number 1, Dumpster 10 yard for {$440.00} is part of the insurance check issued. The {$440.00} should be issued to us as we paid {$280.00} for the 10 yard dumpster described in the estimate. There will be rental charged for this dumpster, so we are entitled to the full {$440.00}.

Issue 3 ) Regarding this same claim for the repair of damaged floors and insulation which has been estimated by a restoration company and that estimate forwarded to the mortgage company.
The wrk before XXXX I made a math error with my checking account. This should have resulted in XXXX NSF fee but instead my bank Wells Fargo paid the largest to smallest transaction resulting in almost {$500.00} in NSF fees. I reached put to them and spoke to XXXX employees who had no sympathy and rudely stated that is their policy and basically too bad! Then on Tuesday I reported XXXX fraudulent transactions and not only did they pay them they charged me XXXX more NSF fees and they had no recollection so now they have almost {$600.00} of my money. I know other banks in the area do not engage in these practices and XXXX bank actually resolved a class action suit for engaging in these practices! 

I am hopeful that you can assist me in recovering my money. 

Thank You!
I have filed multiple inquiry letter with all  XXXX  credit bureaus regarding false information on my credit reports. I do not recognize various inquirires on my report and no one will do anything about it. I have been having a terrible time getting through to the bureaus regarding this issues, as well as them returning letters about not deleting information off my report way before the 30 days is up. I am extremely upset about this that no one will help me!
today experian ( automated ) refused to investigate XXXX, XXXX ... CITING FCRA REGARDING FRIVOLOUS DISPUTES. 
THE PAYMENT HISTORY IS INACCURATE '' ON THE FACE OF THE RECORD ''. 
CITING FCRA ( UNCITED ) REGARGING ENTITLEMENT OF ACCURATE REPORTING EXPERIAN MUST REMOVE IMMEDIATELY THE PAYMENT HISTORY OR THE ACCOUNT. IF EXPERIAN CAN NOT SEE THE INACCURACY ON THE FACE OF THE RECORD ... THEN EXPERIAN SHOULD HIRE EDUCATED PEOPLE WHO CAN, " ON THE FACE OF THE RECORD '' IS LEGAL TERMINOLOGY
My credit report shows hard inquiries on my account indicating that I have applied for a loan. I have not. This company knows full well that I am in the midst of a divorce, that my EX is court ordered to pay the loan and has not. They know that I HAVE NOT applied for a loan as they KNOW I do not currently have a job and have been jobless for almost a year at this point in time. This has all been reported to their collections department many, many times. I have NEVER applied for a loan and nor would I. 

If they have an application in error, I want to know who signed it as it was NOT me. THREE times in the past slightly over a year they have dinged my credit with a hard inquiry. AGAIN, I Have NOT and NOR would I apply for a loan without a job.
This " XXXX XXXX XXXX '', aka " ERC '' of XXXX, FL., a predatory collection agency, continues to report false information about a debt that I was never liable for, for XXXX XXXX XXXX XXXX 

" ERC '' claims the debt originates to XX/XX/XXXX, for {$130.00}. They have been informed repeatedly that I NEVER had an account of ANY type with XXXX beforeXX/XX/XXXX ( when I signed up for cellular phone service after having been with XXXX before then ). 

" ERC '' continues to report the debt ( but paid ) as " valid '', as recently as XX/XX/XXXX without providing ANY verifying documentation as to the validity of the debt. " ERC '' 's only action has been to claim the debt is accurate and to report such to the 3B 's.
Experian currently has my name and address listed on my account in various ways and it is severely negatively impacting my credit worthiness. I have requested on several occasions for this to be corrected. Via sending in my current license, and my marriage license. And the corrections still have not taken place.
They called my wife 's phone number about 6 times already. From XXXX 2015 till now but I do n't know what they want. But I do n't know the number either. They do n't leave any messages or anythingelse. It is in the morning around XXXX or so. Then they will call tomorrow then again then again. Harrassing her is really beginning to be a problem. We have n't gotten anything in the mail or they did not leave any messages. Except a robo call also keep calling also. I did check my credit report and hers I did not find anything from these people.
After our contract expired, we ended our services with Direct TV. They closed our account and sent us a refund check for services paid in advance..A while after they continued to contact us with a payment expected. How can they determine that we owe them money when they sent us a refund check after closing the account? Please help us with this frustrating issue. Thank you.