WillisBack/dataset-financial-user-claim huggingface dataset:
I have had a checking account with PNC BANK for many years. I am a XXXX XXXX year old XXXX who has his social security XXXX pension deposited directly in my checking account. I have huge medication expenses and during this time of the year I sometimes overdraw my account. I have opted in for overdraft protection which I know will cost me a lot when I over draw. I have tried to open a savings account to protect me from these large charges but I am XXXX miles from the nearest branch and therefore PNC says I can not prove who I am as required by the Patriot act. They do n't like old people I think. In order to effect a better option for overdraft charges, which are killing me ( I am a XXXX XXXX patient ), I called the bank several times and they suggested that I apply for a PNC VISA CARD and opt to use the credit limit on the card to act as my overdraft protection. This I did and a PNC VISA credit card with a {$1000.00} credit limit was granted to me. I was told that this card would be used for my overdraft protection. They advised that my credit card limit would be used as my over draft protection, but I would incur a cash advance charge when that feature was used to comer my overdraft. I so agreed. I am XXXX and can not read with my XXXX ( XXXX which I do n't have at this time ), so I called the bank many times to assure myself that my overdraft protection up to my credit line was in effect.i was told it was. The bank erred the first few times I had an overdraft and they charged me about {$70.00} as I recall. I called them and they acknowledged their error, that being that my visa credit line was not attached to my checking account properly and they would do so immediately, and refund the charges. This worked for awhile and they would debit my Visa and charge me {$10.00} each time. I thought {$10.00} was too much as no one ever told me it would be that high. After awhile PNC again started charging me {$35.00} X XXXX every time I over drew. My check is only {$1700.00} so this really hurts. The bank knows of my low vision problem. This past month these charges amounted to over {$270.00} which I think is unlawful. I called them and that they reverse all the charges as I had more than {$600.00} of my credit left on my Visa. They refused. Please see if you can help me. Many thanks XXXX XXXX
I HAVE DISPUTED WITH EQUIFAX CREDIT BUREAU REGARDING A COLLECTION AGENCY NOT UPDATING MY REPORT DUE TO BEING NO LONGER LIABLE AND BEING SATISFIED. THE CREDIT BUREAU DID AN INVESTIGATION THAT WAS VERY POOR. THE CREDIT BUREAU ALWAYS GOES WITH WHAT EVER THESE AGENCIES SAY AND NOT DO A THOROUGH INVESTIGATION. I FILLED THE SAME DISPUTE WITH   XXXX   AND IT WAS REMOVED DUE TO A THROUGH INVESTIGATION WITH HAVING ALL THE FACTS NOT JUST BELIEVING THE COLLECTION AGENCY. COLLECTION AGENCIES DO LIE AND SHOULD BE REPRIMANDED TO THE FULL EXTENT.
I borrowed a loan from Speedy Cash for {$880.00} the last week of XXXX and I was informed only about my payment due dates on the days I get paid from my job which were {$120.00} at the time. On XX/XX/XXXX, I paid {$300.00} on my due date to drop it down to {$580.00} left to pay it off. Whenever I do my payments I receive an email and a text message of my updates. Today on XX/XX/18, I was going to pay {$200.00} to bring the loan payments down and as I checked it, my payment went up {$120.00} that I have to pay {$700.00} which shocked me. I was never informed about interest or my loan would increase within 4 days. What will be the point of doing my payments if it will increase back up within 4 days, which is putting me in a financial struggle and I need assistance on finding a solution for this issue.
My son sent me some money on XXXX XXXX. I 'm a senior and needed help with the rent and groceries. The deposit showed up in my account but did n't show up in the balance. I ca n't transfer the money to my bank. 
On the same day I received a refund. Again the deposit showed up but nothing in my balance. I do n't have access to the money. ( Filing a separate report ) PayPal claims they have a " glitch '' that started on the XXXX, is still going on today the XXXX and may take another 24 hours to fix, if not more. It is hard to believe that a banking organization ( holding company so they can get around US regulations ) does n't have a backup system, or several. 
Tried calling them and get someone in XXXX who says she ca n't do anything. Her supervisor says he ca n't do anything and he says his boss ca n't do anything. The boss is n't taking calls. 
Domestic or International? Money transfered from on US location to another. However, ALL the customer contact is overseas which makes me think this might be International
I am trying to manage my finances more closely, one way in which I can do this is via a website called XXXX. They help monitor your accounts for extra charges, overdraft fees, etc. but obviously require access to your account to keep on top of it. For some reason, Capital One are blocking this external website from accessing my account. I am trying to use this site to access MY own data, and I feel it is totally unreasonable they are stopping me managing my own affairs in a manner I would like to.
I received a notice in the mail from XXXX XXXX to collect a debt on behalf of XXXX XXXX XXXX for Homeowner Insurance in the amount of {$710.00} for coverage from XX/XX/2018 thru XX/XX/2018. However I do not owe XXXX as I had insurance with XXXX  from XX/XX/2018 to current date ( XX/XX/2018 ). I provide XXXX XXXX the notice I received from XXXX along with the email that I sent XXXX Agent XXXX, and a copy of my insurance police. The reason why I sent this information is because the Notice I received from XXXX  stated under IMPORTANT PLEASE READ : You may not owe any earned premium if there was other insurance coverage during this time period. If you had other insurance coverage, please provide proof of coverage to your XXXX agent. Not only that before this even went on my credit or to the debt collection agency I sent the required information to the XXXX Agent to remove the balance. Instead of XXXX XXXX reading the notice, XXXX XXXX sent me back the same information I sent them. This needs to be removed off my credit and debt needs to be cleared as it is not owed.
I did not authorize this inquiry. 
The below inquiry on my credit report is fraudulent and should be removed by this establishment. I never knew this was on my credit report and as it shows it should have been removed already. 


CBNA/ XXXX XXXX XXXX XX/XX/XXXX INQUIRY XX/XX/XXXX INQUIRY REMOVAL DATE Bank Credit Cards XXXX XXXX XXXX XXXX XXXX , SD XXXX ( XXXX ) XXXX
I received a call from my Sam 's Club credit card provider on X/X/17 about verifying potential fraudulent charges. I logged into my account and noticed that there were indeed fraudulent charges taking place in another state ( Florida ... I live XXXX XXXX XXXX, Missouri ), dating back to mid-XXXX. I called the number on the recording to ask why I had not been notified sooner and to log the charges as fraudulent ( there were approximately 40 transactions totaling around {$1000.00} ). The representative informed they would send out a packet to let me verify that all the charges were accurately recorded and certify that they were fraudulent, then investigate, and if they found out they were fraudulent, my account would be credited. Today ( XXXX/XXXX/XXXX ), I reached back out to the fraud department to let them know that I had not received a packet, and they informed me that the investigation was closed and that they would credit my account in the amount of {$270.00}. I asked how they arrived at that number and expressed my dismay that I had not gotten a chance to verify that all the fraudulent charges had been properly recorded. They told me my only option was to re-file the fraudulent charges ( even though they took away my access to the old statements and charges ) and that the investigator would be encouraged to reach out to me. My cardmember agreement states that I am not responsible for fraudulent charges, and the way this was resolved, I am being held responsible. I will re-file the fraudulent charges, but would like some help and guidance on how to resolve this matter.
Santander was charged off as bad debt but it was paid and settled years ago and been a XXXX balance. Out of no where they did a new update on my credit report which is affecting my financing. They are in violation for continuing to damage my credit file. When I contacted them about it they said " if I paid them {$2000.00} they would delete it '' ... I have already paid and settled per our agreement years ago and the balance is XXXX, Im not sure why they are trying to blackmail me?
In XX/XX/XXXX or XX/XX/XXXX, there was a car title loan taken out in my name. There was also a phone line opened in my name at XXXX. These accounts were n't opened by me. I only found out about these loans when my wife and I applied for a home loan. Our loan officer denied our home loan due to the fraudulent loans and asked that we cleared up these charges right away. We contacted loanmart and reported the fraudulent loan. We then filed a police report, contacted the XXXX credit bureaus, and kept contacting loanmart. I spent weeks and months contacting loanmart to no avail. They refused to believe our claim. Fast forward to last XX/XX/XXXX, our loan officer checks my credit report and the loanmart loan is showing that it is a charge off. We no longer receive calls or letters from loanmart and assume they realized they made a mistake. Fast forward to today, while I am on a XXXX offsite I get a call from my coworker stating that my car is being repossessed by loanmart. I called loanmart today and they do not acknowledge that this loan is fraudulent and keep insisting that I pay them {$8000.00} to get my car back. The car in question is a XXXX that we paid for in cash about 3 years ago. This has been a very stressful and devastating process. We have done everything we possibly can and have run out of options.
I feel I have had many overdraft fees do to misleading overdraft fee protection practices. This caused my funds to be low and many overdraft fees attached to my acct. since circa 1994. I adamantly feel that money has been taken out of my acct. little by little, damaging my credit scores and leaving me feeling helpless. I am glad Citibank is being held responsible and expect a sizable check in the near future! 
Frustratingly yours, XXXX XXXX.
Today, XXXX/XXXX/2016, I went to Chase Bank Branch XXXX in XXXX, Texas to make a deposit on behalf of my employer into THEIR account. The deposits consisted of XXXX check, {$200.00} in cash and {$.00} in cash. 

I was asked to supply MY ID for the cash deposits. I 'm sorry, this is not MY personal business account, this is my employer 's business account that I am doing the daily deposits to on THEIR behalf. 

I am not and should not be placed in a position of being responsible for the veracity of the cash submitted for deposit. I am simply depositing funds from the previous day 's transactions. 

My understanding is that the US Government requires identification to be provided for transactions exceeding {$10000.00} to combat money laundering. However, this was not a transaction to or from MY accounts, nor was it in excess of that dollar amount threshold requiring identification. Myself and my employees at my location should NOT be forced to provide identification that is logged in connection with our employer 's account, EVER. This is a ridiculous policy on it 's face and invasive overall. 

Should the money be flagged as having an issue ( counterfeit, used in something clandestine, etc ), an employee making a deposit on behalf of their employer should NEVER be tied to that account in any way, shape or form.
ACS Offices in XXXX, NY- XXXX XXXX, zip - XXXX Contacted my parents late at night inquiring about a debt they claimed I owed. The caller was rude and threatened my parents.
Recently while conducting a monitor of my credit report I discovered that Rossman & COhas furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Rossman & CO but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX Hospital to release my child 's medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than, is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.
My loan was charged off by USAA back in 2016. I have reached out numerous times and placed on 45+ minute holds in order to gather information about my charged off debt. I have been transferred to a department by the Member Debt Solutions team to provide me information, as well as tried to email and call   XXXX   XXXX   to see if he could route me in the appropriate direction.
Many inquiries reporting on my credit report that I did not give written or verbal consent or permission to make a credit inquiry. I did not apply for credit services, sign an application, or give an affirmation consent to pull my credit report or otherwise indicate that I 'm applying for their services.
This judgment was filed XX/XX/XXXX in XXXX County. I found out that the federal prohibits someone from collecting debt after ten years in the state of XXXX. The business alleged debt refers to XXXX XXXX XXXX, Doing business as LLC. They are out of business and also in the state of XXXX, which is out of the jurisdiction for them to collect from me without filing in the state of XXXX, where the debt originated and since the debt was not sold they are committing fraud. The collection agency that continues to try to collect the debt is a collection agency, which is in the state of XXXX and is the Attorney at Law P.A. Kent Hollins. They use a bogus account number that claims they have a XXXX County case Number registered through the court. I have contact the court about this issue and they have no Judgment listed under the number that the collection agency is using to collect the debt. They are attempting to continue to collect by a the letter sent by them, to persuade me to sign a form that they continuously keep sending, which states if I have a dispute to sign and request a court hearing. My Bank account has been garnished for the second time now and the first time they release the judgment because they found out through investigation that it was bogus and released funds back into my account. The collection agency came back again raising the amount from {$620.00} to {$740.00} on XX/XX/XXXX and then raised the amount XX/XX/XXXX to {$830.00}. I contacted them after speaking with the bank representative to resolve the issue by asking if I can settle out with them by giving them {$50.00} and they refused that offer and requested for more information and after that conversation I told them I would get an attorney and they told me to do this. Since the bank I bank with is a third party to parties that are trying to collect the debt, they are waiting on me to send them a letter and proof of this debt being fraudulent. I am sending my evidence to resolve this issue.
I payed this off I on XX/XX/2016 I want this off my account the store I payed was on Airline in XXXX XXXX XXXX TX please call to get this off my account thank you
I have disputed this now for the fifth and FINAL time. I have an attorney on retainer and ready to sue Experian for furnishing my credit information to someone in Oklahoma. I have signed and notarized avadavits from over 40 people stating that I have never lived in Oklahoma. I understand that Experian is racist.
A while ago I disputed a collection account that appeared from XXXX  ( XXXX XXXX XXXX ) for a debt that was originally from XXXX XXXX. I disputed on the bases on NO Contract, No Validation and it was removed from my report with XXXX, XXXX and Experian credit bureaus. Over the last week XX/XX/XXXX-XX/XX/XXXX it reappeared on all 3 bureaus again, with no notice or warning. Basically, this alleged debt was removed over a year ago after it was disputed, and then re-added within the last week. No notice from either credit bureau ( XXXX, XXXX or Experian ). I called all bureaus and asked that it be removed based on the the fact that it was removed after a previous dispute yielded No Contract or No Validation. I was told that it would not be removed but re disputed and would take up to 30 ( MORE ) days. Meanwhile this Inaccurate, Unverified, Non-Validated, No Contract alleged debt has done significant damage to my personal credit report and credit scores.
Either removed from all 3 credit reporting bureaus ( not able to re-add ) or Legal action filed against all parties involved
My car company American Honda Finacial has contacted my job after told not to! I work at a hospital and I can not have any personal calls come through on the company phone. American Honda Finacial keeps calling my job and my Director told them they can not call the hospital phone. I have also recently spoken with Anerican Honda Finacial Repersenatives and had told them orally not to call my job and gave them an updated number and point of contact on XXXX XXXX, 2016. I also made a payment agreement! However, I am feeling unsafe that my Truck has a recall with airbags that Honda has yet to replace and fix! They say I have to wait for my second recall later! Any any of my payments were late I was trying to safe as much money as U can as a XXXX Mom to buy a much safer vehicle ASAP. The though of an airbag and Sharp metal pieces taking the life 's of anyone in the vehicle!
I have an old credit card account from CITI financial I have been paying faithfully. As of XXXX, the payment address changed, and my payments began to not be cashed through my online billpay. However, the letter I received asking me to call to pay over the phone forwarded me to a number soliciting services, I guess a spam number, XXXX XXXX XXXX XXXX. Completely robotic without an option to speak to a human. There was no other number on the letter to contact a live person. Only by XXXX CITIfinancial and calling an office directly could someone access my account
i entered disputes with all XXXX bureaus. i do not know what steps to take next they told me to contact creditors for them reporting incorrect information. i sent them my police report and ftc statement.
Borrower paid {$210000.00} for XXXX, GA XXXX in XXXX, relying heavily on market value assigned by appraiser selected by Lender Wells Fargo Home Mortgage. Original mortgage balance was {$160000.00}. Current mortgage balance is approximately {$130000.00}. Mortgagor attempted and failed to refinance principal mortgage balance with Wells Fargo Home Mortgage in XXXX, XXXX and XXXX. Mortgagor invested more than {$50000.00} in property improvements from XXXX to XXXX. Appraised property value plummeted to $ XXXX in XXXX and $ XXXX in XXXX, according to appraisal companiesselected by Wells Fargo Home Mortgage. Mortgagor requested Lender to modify principal mortgage balance by {$40000.00} to offset hefty market-driven decline in property value. Lender declined. Mortgagor requested Lender to provide copy of original XXXX Application signed in XXXX. Lender could not provide copy of XXXX Application signed in XXXX. Mortgagor has been advised by other lenders that existing mortgage loan is non-conforming and is not owned by XXXX or XXXX XXXX. Wells Fargo Home Mortgage did not disclose to Mortgagor that loan is non-conforming and restrictive. On XXXX XXXX, XXXX, Wells Fargo Home Mortgage XXXX, GA branch Home Mortgage Consultant XXXX XXXX XXXX ( XXXX ) informed Mortgagor he had checked with his supervisors and learned mortgage loan is HARP eligible. Mortgagor requested HUD-GFE disclosure for HARP refinancing. XXXX XXXX XXXX sent Mortgagor XXXX Application that contained factual errors and disclosures for a Conventional refinance -- not HARP -- with interest rate of 4.625 %, and estimated closing costs of {$3300.00} that included appraisal fee of {$430.00} for Lender 's benefit only. Requested documentation was extensive, even though Mortgagor has a current FICO score of XXXX and more than 12 monthly payments in reserve. Every time Mortgagor contacts Wells Fargo Home Mortgage for copies of loan documents and resolutions, a different Wells Fargo Home Mortgage representative responds with dismissive rhetoric stonewalling requests and resolutions.
I have mail off many certify to correct this issue with Experian ( XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX. 

I have recently been informed that there is negative information reported by XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing derogatory. 
I challenge the accuracy, compliance and report ability of this listing. 
Please validate this information with above listed accounts and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
This utility bill belongs to XXXX XXXX and XXXX XXXX. They are the people that were renting this house at XXXX XXXX XXXX XXXX XXXX Ca XXXX from me. I was living at a different address paying the utilities where i was living at the time at XXXX XXXX XXXX XXXX Ca XXXX. The renters were to have changed the bill into their names, please remove this from my report and go after the people that used the utilities. 

Thank you, XXXX XXXX