WillisBack/dataset-financial-user-claim huggingface dataset:
I took out a loan from PNC for school which my parents co-signed for. When I graduated I thought the PNC loan was transferred to XXXX with the rest of my student loans since I had not received a letter about interest or payments since I took out the loan. Sometime shortly before I graduated my parents went into bankruptcy. The other loan they co-signed for still sent letters about interest, explaining why they could no longer ask for payments and informing me that the loan was now in forbearance. No such letter came from PNC. Two years after graduating I got a postcard ad from PNC about having an account with them. This was the first time they had contacted me since I took out the loan. I called the bank to ask about the loan. They told me that there was no loan on file for me so I figured it was closed. XX/XX/XXXX my parents finished with their bankruptcy. Shortly after, PNC sent a letter to my parents that I now owed {$5000.00} more than what I took out since it had been occurring interest. I called the bank and they told me the loan was actually {$8000.00} more than the original amount and that they were not allowed to send letter since my parents were in bankruptcy. I explained I called and asked about the loan, which they said there was no record of, and that they had been sending letters about interest since I took out the loan. The phone number and address on file were both current with my parents so all letters should have been send to them. They are religious about getting my mail to me. I asked for a list of dates the letters were sent and the addresses. I was assured I would get this information but it never came. I even got a lawyer to send a letter but the bank refuses to help. I pay my loans on time and paid the interest on the other loan that was in forbearance. I have even paid off XXXX loans early. I would have paid the interest on this loan to prevent the {$8000.00} increase. I understand I owe the bank for the original amount and I will gladly pay it, but I would not owe {$8000.00} more if the bank had sent proper statements before my parents went into bankruptcy and had not told me the I did not have a loan with them when I called.
My XXXX and I were approved [ twice ] by Cornerstone Mortgage CO. 
XXXX [ XXXX ] for a Residential CONDO mortgage re-fi. My Cornerstone file # XXXX. The company is located at XXXX. 
Cornerstone, never complied during the approximate 5 month with RESPA. also, they have refused to provide a copy of my file [ s ]. Cornerstone [ broker ] / lender/ collected a appraisal fee and commanded I close a credit line of XXXX dollars with XXXX. [ active ] and in good standing [ 1 percent interest rate ]. I was told it could be re opened. ... XXXX refused. The lender enticed me to close a XXXX Credit card. I performed upon every request. The lender had no funds. ESCROW on or about XX/XX/2016 assigned a paid notary who spent 1hour at my residence obtaining ALL signiture [ s ] and documents. 
Thereafter the ''loan '' never closed or, funded. Cornerstone even forced me to significantly change my HOMEOWNERS insurance policy with XXXX and name their agency as the beneficiary Then the lender ordered another ''appraisal '' and caused in-ordinate delays to the loan. 
Respa was not complied with. The general interest rate decreased and the lender refused to decrease the APR. 
Again, the loan was ''approved '' and the Agent XXXX resigned from the Lender and I never heard from the lender again ... until i wrote an offer to settle and compromise. 
The lender never answered the offer to settle and my loss of additional interest and costs was about XXXX dollars. The escrow # is XXXX. 
Cornerstone mtg. kept the property Policy in their name until XX/XX/2016. 
.Finally, Cornerstone ran without authorization my credit 5 times. I agreed to only twice.
Between XXXX XXXX & XXXX equifax removed the chapter XXXX bankruptcy from my credit report but added it back to my credit report without notifying me which is against the law. It should be removed again because equifax broke the law by not notifying me that they were adding it back.
1. I provided the credit card company XXXX XXXX  and all 3 credit bureaus a copy of the receipt of the credit card being paid in full. The credit bureaus keeps sending me a response from the credit card company XXXX XXXXXXXX, stating, " I did not state what I 'm disputing ''. 2. Also, some credit inquiries are being reported more than 1 time. Also, I did not authorize all of the inquiries on my credit report.
SLS Account # XXXX My loan was recently transferred to SLS from XXXX as of XX/XX/XXXX When I received the notice ( received the date the note payment was due ) SLS said there was a payment past due, and the loan was one month in arrears. ( no sure notice came form XXXX previous to this ) I called and asked them what month, and at 1st she said XX/XX/XXXX .. I provided her with the Canceled check number for the XX/XX/XXXX payment, and her response was " well, I do n't know then, our records only go back to XX/XX/XXXX ; it must have been before that then '' I recently came out of a 5 year Chap XXXX BK which was satisfied and discharged in XX/XX/XXXX ; this would mean all payments were satisfied and the accounts current. 
I missed no payments during the 5 years nor since the discharge. SLS could care less and worse are unwilling to even review the case ... My payment is approx. {$3300.00} and I mailed my XX/XX/XXXX check for {$4000.00} requesting the additional to principle.. they cashed the check and their new XX/XX/XXXX statement said I am 2 months behind YIKES this is SCARY ... What are they doing with my money??. It is impossible to reach anyone there for a intelligent discussion. I requested 5 years of payment history from the previous servicer, XXXX and have this to send to SLS ... But, no idea where to send it ; How is it legal that there is no accounting and they can just say " you are behind but we have not idea when '' even though the courts and XXXX ageed the account was in full compliance? can someone call me please.
On XXXX XXXX, XXXX, we signed up for a virtual office and mail receiving service from a company called XXXX. In XXXX of XXXX, we were informed by XXXX clients as well as XXXX that they had sent letters to our NY address provided by XXXX company. We called ( left a voicemail since no one answered our call ) and emailed twice before XXXX of XXXX asking the XXXX representatives about this and did n't get a response. Therefore we made a decision in XXXX, XXXX to dispute the charge through our credit card company Barclays Cash Forward. They provided us temporary credit. Then XXXX XXXX, XXXX, they reversed the credit saying merchant ( XXXX ) has sent documentation to fight the chargeback. We requested that we see the documentation so we can defend our decision to dispute that charge since we did n't get part of the services we have originally signed up for. The letter was mailed out XXXX XXXX but we have still have not received it, We have called Barclays XXXX three times since then and they they keep saying it will arrive in 5-10 business days.
On XX/XX/XXXX PayPal allowed XXXX ( nurse ) claim # XXXX to charge my PayPal credit account without permission during the act 's of another authorized transaction which three days later after the agreed amount paid of over XXXX dollars the company transpired to extort more money out of and I was unaware of an additional charge made until after 4 days of the company telling my money would be returned. I contacted PayPal and the money was returned but filled for fraud on the {$38.00} but the agent documented the account as not as described. I got a response from PayPal per merchant service render on XXXX XXXX I was told the filling status which limitation corrected to unauthorized within 24 hours a response from PayPal was denied due to many unauthorized transactions from the same merchant that's all on PayPal account. Some however PayPal ALLOWED this merchant to access all of my credit cards listed on PayPal profile. However, PayPal states the merchant never get your credit card info but XXXX was the first to notify PayPal of the fraud then PayPal notified me to check all my accounts listed on PayPal.  XXXX  ( nurseessay ) has a listed business address in Texas however, the address is a residential with a new owner since XXXX. The business is not listed with the Texas Secretary of State or the IRS. The business phone number continues to ring with no answer but, PayPal continues to allow this merchant to use and abuse customers by lying and stealing. PayPal states no third party access my account because the IP address showed to be used by me but, how did the Company steal money using my IP and Log in
The company is threatening us with closure of the account if we do n't give them what they 're asking for by XX/XX/XXXX.
Contacted representatives of the company via telephone and emails several times in XXXX and XXXX XXXX because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XXXX XXXX on my credit card accounts. Received a letter from Amex indicating that XXXX XXXX is responsible.
There are 5 hard inquiries on my experian credit report that were to be removed. I tried to submit the dispute online but experian would not let me on to dispute the information. The first inquiry that was supposed to be deleted on XX/XX/XXXX! is XXXX XXXX the inquiry was made on XX/XX/XXXX removal date was to be XX/XX/XXXX. Next inquiry is XXXX XXXX XXXX XXXX XXXX Arizona that inquiry was made on XX/XX/XXXX removal date was XX/XX/XXXX. Next inquiry is XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx that inquiry was made on XX/XX/XXXX removal date was to be XX/XX/XXXX. Next inquiry is XXXX  XXXX XXXX XXXX XXXX XXXX Nebraska that was made on XX/XX/XXXX removal date was to be XX/XX/XXXX. Next inquiry is XXXX XXXX XXXX XXXX XXXX ny that inquiry was XX/XX/XXXX removal date was to be XX/XX/XXXX all of these inquiries are still reporting and have not been deleted
These student loans are under federal fraud investigation that i have filed with My State, the XXXX and Department if education. These matters were placed on hold by President Trump and the  Department of Education for over a year. These fraudulent loans giving under false pretenses i want removed from my credit or placed in dispute status until the matter has been resolved. The Department of Education already denied over 12000 applications that had no bearing and i was not one of them. I want my credit report reflecting this as these are having a negative impact and have not yet been deemed legally binding.
almost 4-5 month ago i try to refinance my existence mortgage, When i was search refinance company, one of that company call me, For make in deal with me first they are ask me deposit {$220.00} .I told them i don't want to loos my deposit if some thing happen They told me not worry we give it back to you, And also send to me email, ,By the law said we give you your money back,, XX/XX/XXXX Without they are refuse my request without notice in letter or etc. 
How i find it! i call them many time for find it what is go in on suddenly they told me refused my application, I ask why they told me my XXXX, bldg not flood insurance ( even in the began i was told them that ),, Of course i ask my deposit back, Non body answer phone i send many email, not answer. 
Only he answer my email says non worry in the processing in other room, ,It was mid of XX/XX/XXXX i try many time again non body take care my calling or email, I send couple time email also to company president non return to me,, i send letter now they are answer with letter they are refuse to give my deposit..What i have to do,,, thanks Company name ; First Direct Lending LLC XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX
I honestly believe Citi Bank and Sears set out to defraud me. I was lied to by Sears Salesman to get me to buy a poor quality home improvement product which was poorly installed at an overly inflated price. I question the fact it was too high priced {$11000.00} for just the gable ends and XXXX lean to wall. I was told I was getting perks for example lifetime wholesale buying on any Sears product. I found out a month later this was a lie when I went to buy a washer at Sears. I called Citi Bank Sears Card complaining that I did not get what I paid for. I would be placed on hold or forward to another customer service in another part of the world. I never got to talk to the dispute dept until I stopped paying on the card this past XXXX 2015. I tried writing and calling two years but continue to make payments until XXXX 2015. I paid {$4800.00} which I want refunded. The siding is falling apart after year and half. I would have never bought this if I was n't made false promises to lure me in. Citi is constantly calling me telling me I owe over {$10000.00}. This is a joint corporate scam. Sears card should be shutdown. I am XXXX on a fixed income and was taken advantage of. I want my money back please and no blemish on my credit. Please help me.
Hello, In XXXX/XX/XX/2017 I opened a checking account with Wells Fargo under a promotion to receive {$200.00} with certain quailfying activities. I met those activities within the required time and soon thereafter, while waiting for my bonus to be issued, my account was closed by the bank. 

I called and was told it was closed because the account was " not sufficiently being used ''. After opening a claim with their customer service they said I did meet the qualifying activities and would need to go into a branch to receive my bonus. When I went to the branch the banker had no knowledge of the bonus and said I would not receive it. I since opened a second claim that, upon following up today, they now have no record of it. 

I have to date opened two claims with their resolution department, upon which after follow up, their reps are unable to find any record of.
I sent Complete Credit Solutions a Validation of Debt in XXXX, that was delivered to XXXX, TX on XXXX XXXX by certified mail. The company has yet to respond and it has been over the 30 days for investigation, which is a violation of the FCRA. The letter asked for proof of debt belonging to me as well as their license to collect a debt in my state of resident.
I received a collection on my credit report in the amount of {$560.00} from a debt collector called Midwest Recovery Systems for a loan that they say I applied for this year. The problem is that I never applied for a loan with this company at all this year and I want them to remove it as soon as possible.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXTransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX. 

I recently submitted a request for investigation of an Acct Number : XXXX XXXX # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX # : XXXX XXXXI 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. XXXX County Police Report # XXXX.
Nationstar XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Yet another complaint against Nationstar for the fraudulent fake auctions, made up values, and belief that they are not required to adhere to XXXX and FDCPA guidelines. Honestly, when will the CFPB actually do something about this organization? 

Nationstar has run this property through their fake auction system ( in order to gain a 5 % buyer 's premium for their own personal benefit at the expense of their investor ) and surprise surprise .... No bidders. The counter offer then made to the original buyer was once again ridiculously over market value. When asked if they could explain the value -- - we were told that they do not release value information in direct violation of ECOA guidelines. When asked the last time that they had had someone inside the property to value it ... ... NO RESPONSE AT ALL. This is likely because they have not had anyone in the property and the limited pictures that they do have were given to them by us. Which raises the question .... Where did the value that they countered us at come from? They made it up and it has no basis in fact. While I know that Nationstar 's business model ( as outlined last XXXX in the XXXX ) is to defraud their investors, borrowers, and the federal government ( yes, we just caught Nationstar again defrauding the Treasury Department on a HAFA short sale and have an ongoing complaint on that file ) at some point the CFPB needs to stand up and say enough is enough. 

I would appreciate if Nationstar would actually complete an interior value on this property and counter the buyer appropriately ... .. I know that their goal is to attempt to get this buyer to leave so that they can attempt to run this through their fake auction again in hopes of getting a 5 % buyer 's premium ( once again at the expense of their investor ), but enough is enough.
In XXXX I disputed XXXX with XXXX, XXXX, and experian. XXXX and experian said the debt was found to be valid, but XXXX deleted the item from my credit file. When I informed the third party debt collector, they removed the item from all 4 of my credit files. The debt has been found to not be valid. The item needs to be removed from my credit history. Please see supporting documents and remove the item from my credit files.
wells, XXXX teachers fed cr union in ny, and myself were not serve notice from the hoa. I therefore should not be responsible why the hoa did not serve us. Condo was forclouse and new title issue on XXXX XXXX, wells paid pty taxes on XXXX XXXX and town should issue a refund to wells
Today I spoke with a XXXX XXXX from Credence Resource Management who in formed me that this account had gone to collections from XXXX XXXX XXXX. I have been disputing this bill with XXXX XXXX XXXX since XX/XX/2017. I terminated service in XX/XX/2017 and moved to another company. They continued to charge me for services I was not receiving. Their representatives have repeatedly told me that these incorrect charges were reversed and my account was fixed. I just spoke to a representative for hours on Saturday who told me it had been sent to a supervisor. Now I'm being told it is with a collection agency and I can only deal with them and not XXXX XXXX XXXX. This account is not due, should not be in collections and should not affect my credit nor should it be sold to another collection agency.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, Ohio XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX
Our mortgage loan servicing rights were sold to Caliber Home Loans in XXXX 2014. 

To this day, we have NOT RECEIVED ONE MONTHLY STATEMENT FROM CALIBER. 

We have never received a statement, or any letters, or correspondnce providing us with the loan number of the account, who to contact for questions, monthly payment, amount owed. 

This is a clear violation of CFPB Rules for Servicing of Mortgage Loans.
They are trying to collect on a phone bill I do not owe! They tried to charge me for canceling phone service! My contract was up but they charged me a cancellation fee! It says that there is no cancellation fees if you stay for the whole two year contract! I never renewed my contract after it was up therfore I do n't owe them a cancellation fee since my contract was up. Plus they tried to make me pay for a month 's phone bill even though I cancelled the month before! And this has been more than 12 years since this happened. Staute is up on this and they need to stop harrasing me!
I lost my card ending in XXXX. Western union pp card rep told XXXX I could buy another card at XXXX and attach the card to my XXXX account which has a XXXX monthly fee and overdraft protection. I wanted access tomy account but they said I had to transfer the money and only XXXX a day which I thought was strange since the accounts were to be linked. I then noticed that every time I made a purchase they would charge me XXXX dollar I called back and after being on hold for 45 minutes I was told that my fee plans from the XXXX account was now attached to new card XXXX. I learned the next morning that I was charged another XXXX fee and that I would not be able to access my funds until XXXX XXXX when a replacement card arrives. This is created a hardship for me. If only I was given the correct information then I could have made a more informed choice I feel like western union netspend is taking advantage of me holding my money and XXXX charging me fees. They ensured me the cards linked to my XXXX account and thatmy employer direct deposit would be available on the XXXX card. When I talked to XXXX in escalations she informed me that it was XXXX accounts and all information told to me on the XXXX prior calls was incorrect and all she could do is reprimand the XXXX reps and forward my request to corporate when I said I will file this complaint I am still without access to my money during the holidays when my grandsons are here. I would like my money to be in XXXX and a XXXX fee credit then I will remove my money and seek a more truthful company to handle my money with our hidden and excessive fees and lying customer service representatives and a more caring escalation team providing real customer services keeping the customer satisfaction as a top priority.
On XX/XX/2018, I sent certified mail to the creditor per the information reported on my credit report ; however that certified mail was returned as not deliverable. So once I received this mail back ; I sent a copy of that returned mail along with a letter explaining this to Transunion on XX/XX/2018 due to inaccurate information being reported. I received their response that they " verified '' the information as accurate without changes.