WillisBack/dataset-financial-user-claim huggingface dataset:
This is THIRD complaint since PNC Mortgage does not seem to understand the unfair and illegal practices. My mortgage was bought by PNC from another company. Since that time it is been my worst nightmare. I have paid all payments on time through auto pay with my bank. Since the time of purchasing this home, it has required complete renovation due to the condition of the home when purchased. Because of this need, my loan was set up such that it required PMI. With PMI comes the escrow requirement. After allowing my insurance to lapse because they did not communicate with the insurance company during the hurricane, it took my footwork, etc to correct the problem. Since that incident, my insurance will no longer be paid through the escrow. A document was sent on XX/XX/XXXX indicating PNC will no longer pay the insurance. In addition, requested having the PMI and escrow removed. PNC insists because of the XX/XX/20 rule they can not remove the PMI and escrow. Because of their insistence, I ordered an appraisal costing over {$400.00}. It was provided to PNC proving the value was significantly higher and therefore PMI and escrow should be removed. Now they are saying despite them holding me land locked, now they will order an appraisal but I will be required to pay {$500.00}. They will not accept the appraisal which already proves the issue yet would not order one until I paid to prove they were incorrect. With all that, they are saying I owe higher payments for escrow despite insurance will no longer be paid, taxes went down because home is now homestead and value was proven higher. PNC actually owes my money back due to excess escrow for insurance. This is a shortened version, this does not include the lost payments, unable to take " partial '' payments so good luck paying off a loan early with any variance to your payments. PNC should be investigated including governmental audits. 

The second complaint resulted in PNC contact calling me and asking for return call with best times to call. After three attempts and no return call at requested time ( which were during business hours ) the complaint was closed. the employee should be terminated.
I had an inquiry for a Kohl 's Charge card, which I never did on XX/XX/2018. I have never even been into a Kohl 's store. I reached out to Kohl 's customer service when I noticed it on my credit, who told me that it would be removed from my credit inquires in a month. Three months later, it is still on my credit. Every time I call back, I'm given the " run around '' and transferred to multiple extensions who don't answer. At one time, a rep. gave me the number where I was being transfer if I got no answer or was disconnected. When I called the number back, it was for XXXX. It's very frustrating what I've gone through to have this removed, when it wasn't even something that I applied for in the first place. I would like this Kohl 's Charge Card Inquiry removed from my credit.
Account was closed for possible fraud. The information is incorrect and prevented me from getting a job and further accounts. I was hired in with the same company in the XXXX XXXX.
I purchased XXXX dog beds from XXXX. They both had tears in tem. I contacted the merchant and they sent me a return label to send these XXXX dogs beds back to them. I sent the XXXX dog bed covers back to them with the return receipt. They advised that they received a " blue cushion ''. Both dog beds were in the box. My credit card ompany is not helping me at all. They are taking the word of XXXX. I have contacted XXXX, XXXX and the dept of consumer protection. This is very upsetting.
DISCOVER BANK IS UNFAIR! THEY PROMISED TO SEND ME FORMS TO DISPUTE A FRAUD THAT XXXX DID ON MY BANK ACCOUNT! I NEVER RECIEVED THE AFFIDAVIT AND DISCOVER IS CLAIMING THE CASE WILL BE CLOSED IN THE FAVOR OF THE MERCHANT BECAUSE I DID NOT SEND THE FORM! I NEVER RECIEVED THE FORM TO BEGIN WITH!
TransUnion removed several inquiries that were in dispute on my credit report. Well they claimed that is was during a glitch and inserted these inquiries that do n't belong to me back on my credit reports without notification. I would like all inquiries removed from my credit report at this time. There are XXXX inquiries listed on my credit file. XXXX XXXX, XXXX, XXXX XXXX I XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX These are all inquiries that were listed thank you!
I received a call this morning from Macy 's Collection saying I have not paid my bill. I was on the phone on XX/XX/2016 and paid the account while talking with a Macy 's credit person because I needed the paying information. The payment was made and has already cleared my account and Macy 's has not obviously updated their records. It is not 30 days past due and for me to tell Macy 's on XX/XX/XXXX as I called for the total on the account that I was submitting payment then and for collections to call is absolutely absurd. For my account not to be past due to have a recording of Macy 's supervisor yelling at me that I owe them fees and charges and they refused to close the account unless I paid again for the account and all fees has to be against collection regulation. I was called a deadbeat because I was not paying my account. I want all fees waved and I want this account closed with no penalty on my credit report and I want Macy 's to pay for their collection issues. Yelling at me, calling me names and telling me I have to pay now while refusing to close the account unless I pay right now over the phone.
I purchased my property in 2007 for {$330000.00}. Last year I had the property appraised at {$360000.00}. I have paid down my mortgage and now have a balance of approximately {$200000.00}. I have submitted at least six requests to my lender to cancel the PMI and they continue to indicate I have not paid down my mortgage to the required XXXX % LTV ratio. I need assistance.
After looking over my credit report I ran across a collection from this agency. they are reporting on my credit report so I send them a certified letter with conf # XXXX XXXX XXXX XXXX XXXX in which they are still reporting inaccurate and incomplete information on my credit report. My lawful consumer right allows me to compel you to eradicate any and all aspects of injurious adversary and or derogatory accusations not entirely true, correct, complete, timely, mine, my responsibility, or else wise compliant and furthermore PROVEN in testimonial certificate of fact to be compliant to all aspects of reporting regulations, laws, precedence, and standards of reporting practices TO INCLUDE irrefutable physical evidence of your perfect XXXX XXXX XXXX A deficiency in one or all is unlawful and makes you liable to me should I elect to gain suitable resolution.
I have tried to repeatedly to register with Equifax for their " trusted id '' credit monitoring and to freeze my account. I have repeatedly gotten notices to activate the services and repeated gotten error or system unavailable messages when I follow their instructions for activation and freezing.
Equifax is reporting falsely on my account and I asked them to verify the accounts since they are not mine. They lied in their response to me that they contacted the courts and verified by sending someone to the courthouse. They asked me to contact the court. I did contact the court by phone and mail. I was advised they did not furnish the information to the bureaus and also sent me a letter indicating they did not verify as such. Equifax flat out lied and violated FCRA rules. Additionally, I have asked for the procedures and their source for having this info on my report as I believe they are using third party information that is inaccurate to report. This hearsay is causing me harm and I will have no choice but to sue after repeated attempts to get them to delete the records. XXXX and XXXX already deleted the records.
On multiple occasions between XX/XX/2018 and XX/XX/2018, Quicken Loans employees called me to discuss my loan account. During the conversations the employee was accessing Quickens confidential customer database and had all of my and other consumers personal and private information available to her on the screen, including mine and others social security numbers, date of births, banking information, assets, application data, basically everything Quicken had available on their customers the employee was accessing on her computer. 

The only problem we have with that, is that the employee XXXX XXXX XXXX was NOT at Quicken at all, not behind their firewall, not secured under their required compliant servers, rather the employee admitted she was actually accessing my data at her house!! That is, from her unsecured, unencrypted, non-static home internet connection. She ONLY admitted this to me AFTER hearing dogs barking I asked the employee if they were aloud to bring their dogs to work? She sheepishly admitted she was accessing my files from her house. I asked her to NEVER bring my personal information up at her house again, she agreed not too yet a few days later, once again she was accessing my personal data on her home computer ...
In XXXX discovered an erroneous/fraudulent mark on my credit report from XXXX XXXX XXXX ( XXXX XXXX XXXX , XXXX, MD XXXX ) and Bay Area Receivables ( XXXX XXXX XXXX XXXX ; XXXX, Maryland XXXX ). I contacted XXXX XXXX XXXX and informed them of the mistake. I contacted Bay Area Receivables and informed them error. I filed a dispute with the credit reporting agency XXXX. 

I mailed XXXX XXXX XXXX and Bay Area Receivables certified letters requesting they produce competent evidences that bares my signature to provide I owe this debt within a reasonable period. 

Furthermore, I requested until they could produce competent evidence no future actions should be against me. At the end of a reasonable time if they can not provide competent evidence proving the erroneous debt they remove the erroneous mark from my credit report. I filed a dispute with the credit reporting agencies simultaneously. 

I received delivery conformation both letters where delivered from the US Mail service, but no response from either XXXX XXXX XXXX nor Bay Area Receivables. XXXX removed the mark from my credit report. 

In XXXX I discovered the erroneous/fraudulent mark on my credit report. I responded by sending a second letter to both XXXX XXXX XXXX and Bay Area Receivables followed by another dispute with XXXX. I did not receive a response from any parties, so I contacted XXXX XXXX XXXX via phone. The accounting/billing department told me we had no record of the debt. 

I have no recollection of this debt nor have I ever received validation from either party to the validating the debt or the soundness of the report mark. This is a medical bill on my credit report! 

Today, I discovered the mark on my credit report once again. I contacted XXXX   and filed another complaint. I contacted XXXX XXXX XXXX via phone. The Vice President is having a letter drafted stating this is an erroneous account. 

The alleged debt is a medical bill dating back 8 years. I have never given anyone authorization to report medical debt on my consumer report. I am demanding it is removed today!
INTERNET MESSAGE RECEIVED BY THE ATTORNEY GENERAL 'S OFFICE ON XXXX/XXXX/XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXXXXXXXXXX RE : XXXX XXXX XXXX / Suntrust Bank XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Website : XXXX Transaction Date : XXXX/XXXX/XXXX Amount Paid : XXXX Payment Method : Personal Check or Bank Debit Subject : Mortgage Fraud - XXXX XXXX XXXX XXXX Suntrust Bank We Own at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Week 9 Whole Interest - every year Purchased Timeshare {$10000.00} XXXX/XXXX/XXXX book XXXX page XXXX instrument XXXX Mortgaged {$9800.00} XXXX/XXXX/XXXX book XXXX page XXXX instrument XXXX paid in full per XXXX XXXX records XXXX/XXXX/XXXX - have a payment history from them - showing final payment XXXX/XXXX/XXXX satisfaction of mortgage XXXX/XXXX/XXXX XXXX book XXXX page XXXX XXXX XXXX XXXX took out an assignment of mortgage with Suntrust Bank XXXX XXXX/XXXX/XXXX book XXXX page XXXX - In the legal description this is noted as XXXX XXXX Phase XXXX even though no phase XXXX units are included in the mortgage. It only includes the following phases : Phase XXXX, Phase XXXX, Phase XXXX, Phase XXXX, Phase XXXX, Phase XXXX, Phase XXXX, Phase XXXX, and Phase XXXX. 

Our unit was put up as collateral in file XXXX book XXXX page XXXX. 
It was cited as having a mortgage on it, which according to their records was paid in full. 

XXXX used our timeshare as collateral, which we never assigned them the right to borrow against our unit. It was dated XXXX/XXXX/XXXX, filed XXXX/XXXX/XXXX. 

I received the satisfaction of mortgage after it was recorded 11 months after it was paid off. XXXX Book XXXX page XXXX, it was dated XXXX/XXXX/XXXX which was 2 days after they used it to get a mortgage on it. 

Their records show it was paid off XXXX/XXXX/XXXX. per the pdf payment history I received from them. 

The timeshare interest is in both my name and my husbands name, XXXX XXXX and XXXX XXXX XXXX. When they mortgaged it - they only used his name not mine as well. 
They did not use his legal name as mortgagor, it just said XXXX XXXX. 

They were never given permission to use it as collateral. They had tried to get us to sign some stamp which stated we were giving them the ability to use our unit to mortgage against, but we refused to sign it. I am a real estate broker in Michigan. I feel that they committed mortgage fraud with our unit. 
I would like to know if this is enough to make a case against them.
On XX/XX/2018, I closed the secured Discover card ( XXXX ) that I deposited {$200.00}. It is already a month and not received my deposit back. They said it takes 2 months and 10 days. They hold money of millions of people for 2 months for taking financial advantages. They should pay interest on holding millions of dollars they hold from customers.
To : Whom it  May  Concern, I had a bill from  XXXX  of a total of {$610.00}. I have the receipt of payment that shows I have paid the full amount. The amount of {$610.00} is currently open on my  XXXX  Credit Report. The status should be shown as closed. I have reached out to the  Collections Agency , as well as,  XXXX . They insisted they will close it the day I call, and it still remains open. I have no other choice, but to contact you. I am applying for a house loan, and it is imperative this amount on my   XXXX   shows a status of closed. I would like the assistance from your agency to handle this matter. At this point I have tried every possible communication with them with no help. I had made payment of total amount on  XXXX / XXXX /  XXXX  .
I paid the XXXX XXXX, the account number on my credit report is XXXX directly to XXXX XXXX, account number XXXX, in the amount of {$1100.00}. I am not sure why this account is still on my credit report.
My XXXX credit Report still shows a Negative Pay Closed account with a balance of {$0.00}. It says the name of the account is Enhanced Recovery Company and it says that the account was a collection/charge off. I've contacted this company at least 3 times and they have refused to remove this from my credit. Please help me.
I got a letter in the mail from a Harvard Collections claiming that I owe a company that I have never heard of nor received a letter from. The debt was from 2016 which is past the statue of reporting or even attempting to collect a debt. There was no information associated with the letter I received in the mail. This company has also started calling me after I advised to cease and desist and to not contact me as they would not release any information and requested to personal information from me but would not advise who they were or why they were contacting me. After the cease and desist was advised this company has called me several additional times. All within the past month. In the state of AZ any attempt to collect any debt after 180 days of the original collection company is against the statue.
Good morning, I would like to get the hard inquires removed from credit reports. Can you guys assist with this? Some of these are old and are affecting my credit score. Any assistance that you can provide is greatly appreciated. Thank you
On Friday XXXX XXXX, I called Smith Debnam Attorneys at Law ( hereby referred to as " Agency '' ) and contacted XXXX XXXX ( hereby referred to as " Agent '' ) at extension XXXX. Per the letter sent by the Agency dated XXXX XXXX, 2016, where they state the amount owed on XXXX ( hereby referred to as " Creditor '' ) Account ending in XXXX to be {$2600.00} and in which the Agency states " Our client has authorized us to initiate a judicial proceeding against you. In an effort to avoid costs associated with litigation, our client has authorized us to give you an opportunity to settle this account without having to go to court '' if there was no response within 20 days of receiving the letter. 

I made this call to get more information about the alleged debt. During my call with XXXX XXXX I specifically asked what the original amount and date of the debt which was discharged from the creditor to their office, in which she stated the amount to be {$2600.00} and that it was received by their office on XXXX XXXX 2016. The amount she stated was the same as the one on the letter in reference. I told her I would be speaking with the original creditor to review my options and hung up. 

On XXXX XXXX I spoke with an account representative of the creditor, XXXX and revewing all correspondence regarding this account I confirmed that the amount the creditor released was {$2500.00} based on a letter I received from the creditor which is dated XXXX XXXX, 2016, and not the {$2600.00} XXXX XXXX " Confirmed ''. 

Therefore, the debt collection agent, and hence the agency have lied about the amount of the debt in what I believe to be an attempt to claim more than the original debt. There is no statement or evidence on any of the correspondence sent by the Agency or agent stating the reason for which the debt they claim is higher than that dischardged by the creditor. 

I am requesting the agency to send proof of the debt. Until I receive the letter of proof I ask that this matter be reviewed. 

Thank you for your time.
for over 2 years I have not even able to get my Experian credit report and on XXXX XXXX my XXXX  has not updated since XX/XX/2015
My gas service company, XXXX XXXX terminated my service regardless of my ontime payments. My communication with them led to no reconnection. The account was paid off. They even issued overpayment refund. They are reporting 90 day late payment on Transunion and my dispute with both parties yields the same negative information reported over and over again.
In accordance to FCRA Section 609, these accounts was further disputed in XX/XX/2017. And Portfolio Recovery did not respond to the initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and these XXXX accounts to two credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XX/XX/2017 and past 60 days when these accounts were initially disputed. And Portfolio Recovery has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. In addition, Portfolio Recovery has not removed the XXXX accounts in question from my XXXX reports and XXXX reports. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed these accounts on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one. I feel that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition on XX/XX/2017. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. I also have proof that I reached out to them with certified letters to them and the credit reporting agencies. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. If they were sure they belonged to me, why are they not responding to my correspondence or supplying me something with my signature. This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from Portfolio Recovery with filing legal suit against them.
My debit card information was stolen and used to make several unauthorized ATM withdrawals ( XX/XX/18 ; four atm withdrawals from an ATM I dont believe Ive ever been to, done in 2 minutes, totaling {$800.00}. This is not an account I make ATM withdrawals from ). I immediately cancelled my card and opened a fraud claim with US Bank. In addition to opening a claim with my bank, I filed a police report with local law enforcement as I was 100 % certain these transactions were not me and my debit card information was stolen. US Bank said they investigated, denied my claim, immediately withdrew my money, and continued having managers call me that could not rectify the situation. After filing my claim I signed affidavits and immediately returned them to US Bank and provided them the requested information for my local police. I was told my claim was reopened on XX/XX/XXXX to prevent my money from being taken, and sure enough, the next day it was gone. Additionally, the letter I received shows my provisional credits would be withdrawn on XX/XX/18 ( almost a month prior ), when in reality they were pulled on XX/XX/XXXX ; no less than 12 hours after a fraud manager told me on the phone they would not be. If my case processor cant even correctly put dates on a denial letter I seriously question their investigative abilities and their ability to review ATM footage. Im convinced US Bank has only reviewed footage from the 4 fraudulent transactions as I am 100 % confident I did not make these withdrawals. Now I am out hundreds of dollars, my bank is treating me like a criminal ( instead of the victim I am ), and Im now having to call my local police to request video tapes from the bank so they can continue their criminal investigation. No appeal process or documentation has been given to me by US Bank other than the generic letter I received with incorrect dates. I requested the documentation from a manager on XX/XX/XXXX but who knows If that request will actually be fulfilled. I no longer have no faith in the bank Ive been with 15+ years now.
They closed my account then said they were sending a check for {$750.00} the amount that was in my account it 's two months later I 've yet to receive my money despite contacting them ten times or more just getting the run around