WillisBack/dataset-financial-user-claim huggingface dataset:
Received a letter from Quicken Loans in XXXX of XXXX that we were approved for a FHA loan and for the house we were renting. The owner was selling after our lease was up in XXXX. The broker XXXX XXXX with Quicken Loans strung us along and 2 weeks before our lease was up we could n't get a hold of XXXX XXXX and his boss called us one week later and told us we do n't qualify. Companies like Quicken Loans if suppose to notify applicants within 30 days if loan will be given we were n't notified within that time period. Because if Quicken Loans we had to pack up our home put our belongings in storage and live in a hotel until we found a home to rent. Quicken Loans left us homeless and as a woman XXXX XXXX XXXX and not well off this affected my health.
More trickery from PNC. ( XXXX ) transactions were shown as pending on my account, in the amount of {$270.00} and {$290.00} for several days. They remained in pending status until the funds in my account were no longer sufficient to cover the transactions, then they went through 2 days later. After the transactions did not show as " pending '', I assumed the balance on my account was current, and budgeted off that balance. Even though the transactions were shown as completed, they did not go through until 2 days later. So I was basically budgeting off a fake balance. Just another trick PNC uses to force customers into overdraft, which I am now at - {$310.00} including overdraft fees. This number will climb as I have XXXX more online payments going through this week, XXXX in the amount of around {$7.00}. PNC will extract a {$36.00} fee from a {$7.00} payment. Once it 's all said and done I will be nearly - {$400.00} and unable to make next month 's payments. The balance shown on my account was FALSE. Pending transactions on the account are completed in an erratic fashion, sometimes 3 days to a week later. So I never really know what my balance is. This is misleading and I will not tolerate it. I DEMAND FULL REVERSAL OF ALL OVERDRAFT FEES FOR THIS DECEPTIVE AND MISLEADING PRACTICE. I hold PNC accountable for rearranging transactions, showing false balances, and keeping transactions pending until funds are insufficient.
I loaded {$300.00} dollars to a Rushcard on XXXX XXXX. The funds have niot been added to my balance to allow me to get the money. I have been calling for almost three weeks to have it fixed and am constantly rerouted with no solution.
I keep getting phone calls from XXXX XXXX XXXX. I want them to stop. 

XXXX shows they areXXXX XXXX ATTORNEY AT LAW XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX : XXXXXXXXXXXX : XXXX : XXXX : XXXX : XXXX? XXXX
The recent XXXX data breach means that almost every adult American must now lock or restrict their credit for in indefinite period of time.
Agreeing to XXXX free credit monitoring service forces consumers to waive their right to sue Equifax.
When I attempt place a credit freeze on the XXXX web site the system simply responds that it can not process her request at this time.
Every day that this condition continues the risk to all consumers increases.
This situation ultimately causes financial harm not only to consumers but to the entire US economy.
If consumers ability to acquire credit is hindered because of the failure of an organization to protect the data of those consumers ( whom never gave consent for that data to be collected in the first place ) is harmed, it will extend to the larger economy.
Adding insult to injury, news reports suggest that members of the XXXX board of directors sold their shares of company stock prior to public disclosure of this breach. 
Ultimately this calls into question the future of regulation of the entire credit reporting and data collection industry. 
I implore your team to consider launching an inquiry into the viability of legal action to protect and compensate consumers and to protect the economy in general.
I had an account with XXXX XXXX but closed the account and XXXX XXXX   sent information to a collection company for un-returned equipment that was later determined to have been returned. When I contacted XXXX XXXX they informed me that they would have the information retracted from the collection company which is named The XXXX XXXX.but the company never made the adjustment. 

In addition, the amount that is listed as owed is XXXX and is NOT an amount that XXXX XXXX listed as being owed. 

XXXX XXXX sent me an email stating that I have a credit of XXXX and one for XXXX. There is no balance on the account with XXXX XXXX and the collection company refuses to make the corrections on either of the 3 credit reporting agencies. 

Please help me to correct this issue and have it removed from all 3 CRAs I am attaching a copy of the correspondence from XXXX XXXX with the above stated information listed.
I went to the ER at XXXX XXXX XXXX after being XXXX as a pedestrian. I paid the bills that XXXX sent me. Receivables Outsourcing, LLC sent me a letter to collect. I asked for a printout of the charges which they sent me. I called XXXX and talked to both of their billing departments and they both said I have no outstanding debt. I called RO LLC and they refused to talk to me without me giving them personal information. I refused to give them my information until they can verify the debt is real from XXXX.
Placed for collection on XX/XX/2015 for {$1100.00}. No actions by me but the company is reporting to the credit bureau and trying to collect a debt from me. They are not licensed in the state of Florida to do so. I do n't owe this company I do n't have anything to do with them.
The debt collector has not provided any information on what this debt is. The only documents it has sent was collection bills.
My past students loans were all discharged and I have it in writing by the US Dept of Education/Nelnet XXXX unit. Yet they are harassing me demanding I pay the student loans in full and threatening to garnish my wages. US Dept Education XXXX XXXX XXXX XXXX, NE XXXX XXXX XXXX XXXX XXXX
Is regarding account # XXXX, which you claim Such as I owe {$70.00}. they put negative marks on my credit reports. Without verification of my signature.
I was shocked when I reviewed my credit report and found late payment on the dates below :   XXXX    days past due as of  XXXX    XXXX   I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
On XX/XX/2018 I put a deposit on a XXXX XXXX XXXX XXXX XX/XX/2018 at XXXX XXXX in XXXX XXXX, The deal did not go thought, I left the XXXX XXXX in XXXX XXXX, with no car but the next day, XXXX XXXX XXXX XXXX XXXX Charged my credit card for XXXX I've talked to Citi and they have put the XXXX back on my card. I NEVER bought a car from XXXX XXXX. I have never purchased anything from any XXXX XXXX. I bought a XXXX XXXX XXXX XXXX. XXXX XXXX Has done nothing to help resolve this issue
I am currently Disputing on charge on my credit card for the amount of {$6300.00} dollars. The charge was made on XX/XX/2018 by a company named XXXX. On XX/XX/2018 XXXX   was shut down by the FTC for scamming people out of millions. So on XX/XX/18 everything that my on line business education was to provide me had been seized. The XXXX was only part of what I invested.
I have requested verification from both XXXX and TransUnion to provide me with a copy of the original documentation ( a consumer contract with my signature on it ) they are required to have on file to verify that an account that is appearing on my credit report is mine and is correct. Not companies have responded with letter stating that they have electronically verified the account - but I know that an Electronic verification is not an acceptable legal means of verifying any account. 

I have now sent XXXX letters asking XXXX companies to provide me with a copy of the original documentation, noting that if they can not provide me with this documentation, then the account must be deleted. Yet after more than 8 months I have yet to receive adequate documentation.
I have foreclosure sale date of XXXX/XXXX/15 and submitted previous documentation in case # XXXX. On Wednesday XXXX XXXX, 2015 at XXXX in the afternoon I received a call from XXXX ( or XXXX ) from Wells Fargo in the " Customer Care and Recovery Group ''. She stated that she had received my inquiry for a request for a Home Modification.She then verified my loan number contact info and asked me to verify my request which I did. I told her and she confirmed that the present foreclosure date was XXXX/XXXX/15. She then stated that it would take a day or XXXX maybe for the post phonement date. She also stated that I would have a new primary point of contact to process my request and that would take a day or XXXX to complete. I asked before the call ended did we have time and she said yes we have '' plenty of time '' between now and Monday. I then thanked her for her call.She gave me her contact information, At no time during our conversation did she indicate a problem or an approval from the foreclosure department about the sale date. To the best f my knowledge at that time she did not mention the CFPB complaint that I filed. I had also sent a request to XXXX XXXX, PA whom Wells Fargo had designated asa point of contact. 
A few minutes later I received a call from XXXX from XXXX with whom I had filled out a hardship application. He stated that Wells Fargo was the hardest lender to work with and that in his opinion form the documentation that I submitted that we had a good chance to qualify for a modification. I told him that Wells Fargo had just called and that the sale date was to be post phoned. I thanked him for his time. 
On Friday XXXX XXXX at XXXX I called her since I had no heard anything to check the status. She then gave new primary contact contact was to be XXXX XXXX who would contact me. At this time she indicated that she was responding to my CFPB complaint. XXXX t.hen called me at XXXX in the afternoon on XXXX XXXX He informed that Wells Fargo would not post phone the sale date and they would respond to my complaint. I was in complete shock when he said this. He had me if I had any questions and I told him that I was mislead by yprevious conversations. 

The Wells Fargo employees were professional and polite. HOWEVER I WAS MISINFORMED by XXXX and she did not explain. THe consequences of this is that I lost XXXX hours of critical timing and the opportunity to work with a XXXX party. No consumer should have to endure what I just went thru. Their needs to be some type of protection to prevent this.
I took out a payday loan on XX/XX/2018. The interest rate they are charging is 474.999 %, but the cap in NJ is 30 %. When I called and told them, they said it was a tribal agreement and does not apply to them.
An outside company keeps calling me and threatening me. They said if I don't pay back XXXX today, XXXX in 3 monthly installments or XXXX in 18 months then they will pursue legal action against me and I will have to pay them XXXX. They have called human resources, my number and other numbers at my job to employees that I don't even know and leaving messages. There number is XXXX Ref # XXXX. They are an outside agency that has bought my file. I have asked them to stop calling my job and they keep doing it. I got the loan back in XX/XX/XXXX or XX/XX/XXXX and was struggling to pay it back. This is very stressful and a hardship at work.
Naviant has a web portal for viewing loans. This information does not include what portion of the loan goes towards interest and principle. There is no statement provided that give this information either. The lack of transparency traps users into never knowing how much is actually going against the principle balance and is deceptive.
I ran my credit recently and found a fraud debt that does not belong to me. The debt is in collections and is not under my name. I have called several times to dispute this debt in collections and the creditor has not helped me at all. Please help me delete this debt and clear it from my name and social security number.
I have a business credit card with American Express, and an additional card for my husband. The cards say 'American Express Business Platinum XXXX on them. After seeing a number of billboards at our local airport stating that Amex Platinum card holders could enroll in TSA XXXX and have the fees credited, ( and also calling Amex for additional info regarding the program ), my husband and I went to TSA.gov, enrolled, and visited our local TSA assigned center XXXX/XXXX/16 as instructed to complete the process. The fee of {$85.00} was charged to each of our cards and appeared on my XXXX statement. However, the credit for the fees, {$170.00}, did not appear. Today I called Amex to inquire as to when to expect the credit and was told that my card is 'not actually a platinum card ' although it is clearly printed on both of the cards for my account. I am also told that I do n't qualify for the benefit because 'the card is not a platinum card ' ... .although the card actually has the word 'platinum ' printed on it! When asked to explain, customer service stated that 'platinum ' is just the color. My response is that no other card in the line of Amex cards has a COLOR printed on it. I also inquired as to how any account holder would know there is any difference as they are suggesting, to which I was told they do n't know. Ultimately, I was offered {$85.00} to resolve the issue after being told that they were n't sure it would be covered even 'if ' I had a 'platinum ' card because it was from a third party service and we didnt use TSA because the fees were billed as 'XXXX/XXXX '. I actually had to inform customer service that TSA.gov is where the application is processed ( which we did ) and they send you to a local office as fingerprints and interviews ca n't be done online. They take your credit card when you complete the application in person. I declined the {$85.00} as I am adamant that if the benefit applies to cards that are 'platinum ' that they should honor either their commitment or their error. I have been an Amex card holder for almost 20 years. I stated that if they would not do the right thing then I would close my account. I was put on hold, and then sent to the 'cancellation department ' where I was offered {$100.00} to keep my account. I again declined as they are very clearly wrong and I spent at least an hour on the phone attempting to amicably resolve this. They are well aware of what my card looks like, and what it is printed on it. There is even a picture of my card on my account page on their site. It is absolutely ridiculous that they have tried to defend such an egregious mistake. They are guilty of XXXX.
It took XXXX different phone operators at XXXX more than 20 minutes to complete my opt out request to limit the sharing of my information. It felt predatory and like they were just reading a script to get me to just opt out of emails from their company instead of limiting my sharing with affiliates and non-affiliates. The operator kept promising me that they do n't share my information with affiliates and non-affiliates when the privacy policy that I agreed to when signing up, clearly sates that they do. Their privacy policy can be found here XXXX
The XXXX XXXX XXXX XXXX sent my bill to a collection agency while the bill was still in dispute. The XXXX billing office sent me a bill charging me for services, which was more than twice the amount I owed ( the amount based on the contracted rate from my insurance provider is much lower ). They have sent me this bill 3 times and then sent it to collections, even though I have informed them that I should get a contracted rate for these services, based on information from my health insurance provider XXXX. I am in discussions with my insurance provider to have the bill reprocessed and I have called the XXXX XXXX XXXXXXXX XXXX billing office twice so far disputing the bill and informing them that the bill is being reprocessed to reflect the contracted rate from my insurance provider. They ignored this piece of information and went ahead and sent it to a collection agency anyway instead of waiting for the reprocessed bill for the lower amount from my insurance provider. Moreover my insurance provider has since paid a portion of this bill to the XXXX XXXX XXXXXXXX XXXX as the attached claim details ( from XXXX ) show. 

At least 3 bills were sent to me from the City of XXXX XXXX, the latest one being from their collections department on XXXX XXXX. I have called and explained to them that the bill is being reprocessed and I need to wait before I can get the reprocessed to pay the exact amount I owe - my last call was on XXXX/XXXX/XXXX. 

My insurance provider has since paid a portion of the bill, so it also needs to be adjusted to reflect the amount already paid. 

In addition to this causing me unnecessary stress and anxiety over the financial matter, it could potentially affect my credit history at a very sensitive time for me when I am trying to buy a home and my credit standing is extremely important.
The previous mortgage service company never honored a XXXX loan modification of reducing my rate from XXXX to 5 %. At or near the end of XXXX, they agreed to reduce the rate to some crazy low number, write off excess deferred interest and drop our payment. We never received confirmation of the changes and they sold our mortgage to Caliber Home loans. We received a letter from Caliber in XXXX XXXX that said we should expect a welcome packet. We never received this. I tried calling the phone number attached to the paper but since I did n't have an account number, I kept getting disconnected. After MONTHS of not receiving a mortgage statement, I assumed my previous servicer had done what was requested initially and reapplied the excess payments and paid our mortgage ahead by a year. At the end of XXXX, I came home to a letter attached to my front door that stated the property appeared to be vacant and to call a number for XXXX if it was not vacant. I called and let them know the house was obviously not vacant as there was furniture, food etc in the house. I asked her who was responsible for saying my house was vacant, she said the mortgage company. I asked her who the company was, she indicated she did n't know. She would not provide me with a phone number or even a name. On XXXX/XXXX/XXXX, XXXX came into my home, changed my locks and winterized my home without my knowledge or consent. Their was a phone number left on my front door and I was FINALLY able to contact the mortgage company. I spoke with a XXXX XXXX at XXXX who seemed very apologetic, did not offer me an explanation and gave me the code to the lock box with my keys in it to MY HOUSE. We do not occupy the house full time right now but we still have a lot of things in the house that is our private property. On XXXX, we were looking for some specific items and started to realize things were missing. XXXX not only came into our home unauthorized, they stole about {$5000.00} worth of tools and coins. They placed locks on our lawn equipment so that we could not keep our yard manicured. We filed a police report with XXXX XXXX police, the following day, I contacted XXXX XXXX again. Asked her the status of my loan. The house is NOT foreclosed, no sale date pending but is in the starting process of foreclosure. We have NOT received a mortgage statement since the last servicer! There has been NO indication of a foreclosure. She only wanted to refer me to customer service. I do n't even have the phone number, only her direct number. We contacted XXXX at XXXX and they would not provide us any info about the person who entered our home and stole our things and destroyed our house.
I never received a single bill from this company ( Professional Credit Management ), nor did I receive a voicemail message from this company that identified themselves, made a claim upon the debt, and asked for a return phone call in accordance with 15 U.S.C. $ {$1600.00}, or to otherwise notify me that I had a debt with this company and/or to make or set up payment arrangements. 

Then, i received a summons and complaint in the district court, to sue me for the balance owed from their attorney XXXX XXXX XXXX. This was the first communication I received from this company, which is also a violation of FDCPA 15 USC $ {$1600.00}. 

I filed a response in the district court, including objections and a brief citing Arkansas Supreme Court ruling on the matter, interest and attorneys fees, in which this company filed arguments that directly contradicted the FDCPA, in which under $ section XXXX, a debt collector under FDCPA is not entitled to attorneys fees or interest other than provided from in the original contract, to which this company was seeking above both allowed by Arkansas and federal law.. 

This company and/or their lawyer cited Arkansas law regarding " prejudgment interest and fees '', however, it neglected to accept that the original contract and debt provided for " no interest '' and " no fees '', which the company suing me was in violation of the Federal Debt and Collections Practices Act. 

I filed motion to produce documents and interrogatory response regarding this matter, in which legal counsel of this company refused to provide, and in which this is also a debt collection agency, which is also owned by the attorney, which is also a violation of the due process clause of the Constitution and the view of a judicial hearing in which when a claim is made, a defendant is entitled to " through due process '' adverse evidence and/or interrogatory response and production of documents, to which the plaintiff ( in this case XXXX and XXXX XXXX XXXX ) are required to provide. 

All of these are direct violations of the FDCPA, in which : a. ) I never received a bill or communication from the company, in which the first thing I received was a complaint to sue me, b. ) the company ( PCM ) and their attorney was seeking attorneys fees in violation of the FDCPA. c. ) The company PCM and their attorney was seeking interest above the contract and state law and federal law under 15 U.S.C. $ {$1600.00}, which is another violation of the federal debt and collection practices act. 

In which this matter needs to be investigated as unethical and violations of the FDCPA have occurred in this matter, then there is no telling how many other violations of citizens rights, that this company and their lawyer have committed. Whereas if it has happened once, then it is probably a regular occuring violation, which takes advantage of the consumer.