WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2017, I deposited into my PNC checking account, via the PNC ATM at the XXXX XXXX XXXX, XXXX XXXX PA branch of PNC, a U.S. Treasury check made out to myself and my husband. This check was properly endorsed by both myself and my husband, and the address on the front of the check under our names matched the address of my checking account on record with PNC. I received a copy of my receipt with the deposit. 
Two days later, XX/XX/2017, I checked my PNC account online. It showed that the funds from the check had been deducted from my account and the check was listed as " Unpresentable. '' The representative at the branch office, with whom I just spoke, said " Unpresentable '' in this case meant that both myself and my husband had to present ourselves in person in order to deposit this check - and that the only checks she had seen this happen with were US Treasury checks! The check ( or the legal facsimile of it ) would by mailed back to me via USPS, untracked, adding additional days to the process of re-gaining access to it. 
PNC has issued no security alert, no email or website or statement warning, to its customers regarding its new " policy '' - indeed the PNC employee with whom I spoke did not know of a written version of this " policy. '' Despite having my phone # and email address ( and contacting me for all manner of other things ) PNC did not contact me about this action it took ( removing the funds after accepting the legally endorsed check ) - it is only because I happened to check my account online that I even knew what PNC had done. If PNC is going to have different rules for US Treasury check deposits it MUST PUBLISH THEM AND ALERT ITS CUSTOMERS.
Key Bank, which is buying XXXX, has told me they will soon be charging me for use of my overdraft account, which, while I was with XXXX, and, before that, when I was with XXXX, cost me nothing. Now they tell me overdrafts may cost me as much as {$100.00} a cycle! This is unfair for me and all others who are powerless against this huge bank to protect a valuable personal asset, which, in my case, is {$10000.00}. of overdraft credit which has heretofore for many years, been free.
In XX/XX/XXXX the vehicle I was purhcasing from the company was stolen. It was around XX/XX/XXXX or XX/XX/XXXX. I filed a claim with my insurance company at the time. The company was XXXX XXXX. XXXX XXXX paid the company for the vehicle. I pulled my credit report and saw the company was listed on my credit with negative reporting. In the mean time from the time the claim was paid until now I have not received any bills from the company requesting payment due or balance due. I contacted the company to request a bill. The company said the account was transferred to a new lien holder company. I was given the number to the new company. I called the new company and I was told there was no record of me having a lease or loan from them. Since there is no account available to find I would really like this item removed from my credit. It has a negative impact on my credit.
In XX/XX/XXXX i was notified by a height finance a loan company out of XXXX mo. They where calling my family members Harassing them before I was notified. I told them the account was not mine. And they still refused my claim after I filed a identy theft report and submitted all the identy theft stuff to them.They said there was payments made on the account and they said it was with a check I signed but I also had bank fraud and I told them that but they still refused so they are suing me in court on XX/XX/XXXX for the amount of XXXX. And will do nothing to try and help me fix the problem other than just say it 's my debt. My accounts and checks where stolen from the bank of Missouri there was several with draws taken out and also drained our savings account.
My mortgage company " American Financial Resources '' has charged me {$5.00} to {$10.00} extra for my monthly mortgage payment, depending on which day I pay. Typically, after the XXXX of the month a {$5.00} fee is added in addition to my payment. After the XXXX of the month a {$10.00} fee is added in addition to my payment. The official late charge is never assessed unless the payment is received after the XXXX of each month. My mortgage payment is not due until the XXXX of each month. There extra fees do not appear on my XXXX form for tax purposes. Are these fees charges by AFR ethical or legal?
Apparently, a XXXX debt for my daughter XXXX XXXX adult for which I have court appointed legal guardianship ) has been turned over to this collection company. I have been paying on this debt for over two years at the agreed amount of {$50.00} per month. The collector XXXX took my statement verbally as legal guardian. When told that I have a payment agreement with the debtor and had made payments perfectly, her attitude and statement was " come on sir, we are XXXX too old for these games ''. During the call, which was on my cell phone, the sound dropped for approximately 10 seconds, after which she became extremely beligerant and stated again " we 're too old for this ''. Basically, nothing was accomplished except her implying that I am not telling the truth. I told her when I got back home I could send her the payment records. After this call, I called her supervisor and he was less than agreeable to help. After hearing that I wanted to register a complaint, he said he could not discuss my daughter 's account without proof of legal guardianship. I have the letters from the court that I could forward to him. He all but hung up on me with again no resolution. Based on his actions, I now have another complaint against the company regarding discussing the information on my daughter 's account without proof of my court appointed guardianship. The first collector freely discussed the account based on my verbal statement. The second person said they could n't do that. So someone broke the law. I guess it is their choice as to who they want to determine violated the law ... the first person or the second person.
I contacted Experian about an inaccuracy on my credit report. The item XXXX acct # XXXX shows a payment history of 3 years and shows an updated negative mark XX/XX/XXXX almost three years after the account was settled! XXXX sent me a letter indicating after sending the proof requested that they would not pursue this debt any longer after XX/XX/XXXX. 
The debt is showing on my credit file as a negative mark as recent as XX/XX/XXXX.
I assumed a mortgage from a family member, and now the loan is reporting with the old payment history that I have nothing to do with. I assumed this loan in XXXX XXXX and I am only responsible for the payments from XXXX XXXX XXXX. My credit score has dropped drastically.XXXX XXXX should not have reported the negative information of the loan to my credit report. Please help me resolve this matter ( ASAP ). Thank You
MCM ( Midland Credit ) keeps calling me asking for a person who does not live in my home and who I do not know. I have told them this repeatedly, but they continue to call. The last straw was when they called this morning ( Sunday ). I told the woman that I was reporting them to the CFPB so hopefully this will stop the calls.
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX  data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these mentioned accounts.
I applied for a credit line increase through Wells Fargo so that I can increase my credit score. I have never been late with any credit card payments. Wells Fargo rejected my inquiry to obtain a credit line increase. My XXXX XXXX score is XXXX. I requested a supervisor. A Wells Fargo supervisor named XXXX ( Employee ID # XXXX ) stated that there was very little activity on my XXXX card. I replied that Wells Fargo was doing an injustice for excellent customers. So, now I have a hard credit pull from my report and no credit line increase.
Kia Debt collection has been calling my work phone twice a day for since the end of XXXX. This is not a debt from anyone in our company someone must have used our info. I have contacted them and talked to a supervisor to let them know that this in not a number they should be calling. they told me they can call until the person they are calling for updates the number.
Hello my name is XXXX XXXX. I am writing this letter in regards to the information listed below that you are reporting on my credit. I am unaware and would like to dispute the inquiries and XXXX XXXX XXXX as an internal dispute. I realized that you have violated my rights by not taking the proper steps in verifying the information listed in this message. According to FCRA section 609 you are suppose to provide the verification steps on how you verified these items listed. Also I would like to know who performed the verification prior to placing these inquiries and items listed in this message. Please provide me with information on the verification process please. This is my second attempt to resolve this matter and I will gladly and kindly attempt to aim at litigation on the third step if these items arent removed. Ive contacted the companies below and no one attempted to contact or replied back for more than 60 days. 
1. XXXX XXXX XXXX 2. Equifax Mtg 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX
I have been a victim of Identity theft since 2004, this has caused so many problems in my life. My purse was stolen and my identity has been used in so many ways. Many accounts have been open in my name still to this day and I have been contacting companies and disputing with the companies and the credit bureau for over 10 years. Once I contact the company and provide documentation they would remove the debt, later down the line maybe six months later the debt will appear again. I have become very frustrated with these companies because I have put fraud alerts on my credit report and still have XXXX to XXXX inquiries on my credit report. PLEASE HELP ME!!!
Portfolio Recovery Associates attempted to collect a debt ( XXXX XXXX XXXX for {$700.00} ) from me which I had no knowledge of, upon contacting them I asked for validation of the debt but after several attempts no one could provide me with supporting documentation that this was my debt. They continued to tell me that the debt was sold to them therefore they have no other information. I disputed this debt with PRA and credit bureaus ( XXXX, XXXX and XXXX ). In XXXX of 2018 I received a letter from PRA saying that after investigating, they were closing the account and will notify the three major credit reporting agencies to delete the account. The account was deleted off all the credit reporting agencies. About a month or so later I started receiving threatening calls again from PRA about the same account. I explained that we have already discuss this matter and it was taken care of. I spoke with several people from PRA and they just continued to threaten and harrass me. They would call daily from sun-up to sun-down. Shortly after this account was placed back on my credit reports. I have tried disputing this again. I have screen shots of the collection being deleted from bureaus, along with disputes from the credit bureaus showing that indeed this account was deleted from my credit report.
I have a loan with CAPITALONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and CAPITALONE with no successful resolution. XXXX, XXXX, and XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late four times.
I had check my credit an found some late payments on my credit report, I have written 4 letter to transunion and XXXX   requesting a validation or deletion of these inaccurate reporting in my credit, they have fail to provide me with proof that i was ever late as is requested by FCRA section 609b, they just come back to me saying it was verified by lender but no contact information is provided as : who they spoke with, position of the person, telephone number, duration of the call, etc.. .XXXX  has removed this inacurate or unverified reporting, I have sent a copy of it.

This is a clear violation of the law and it will be reported with FTC, for these violations as well as this complaint constitude proof in a court of law for litigation.
On XX/XX/2018 I XXXX out to XXXX XXXX XXXX XXXX to inform them that I am a victim of identity theft and that the account they have reporting on my credit file is not mine. They still have not removed the account.
I have been in contact with Experian since XX/XX/XXXX. I have contacted them several times and nothing has been done. I am a victim of identity theft. They assigned my investigation to XXXX XXXX. My last called was XX/XX/XXXX about inquiries that i didnt authorize are still on my credit report. This is the XX/XX/XXXX time I have called in over 30 days about several unauthorized inquiries on my Experian report. XXXX nor anyone else has called me for follow up in my investigation. This is ruining my credit and being an victim of identity abuse is frustrating. I need Experian to do there job.
I am writing to amend complaint XXXX, which I originally sent to the White House, which forwarded the complain to your agency, the CFPB. 
I am writing to amend the complaint as follows : 1. I want a modification of the loan from {$3700.00} per month to {$2600.00} per month. I submitted multiple requests for modification over the past 5 years. These modification requests were under HAMP, or the other modification programs. These were denied improperly. I want a modification. This is a a first time modification. 
2. Truth in Lending Act. I want an investigation of the mortgage under the Truth in Lending Act, since inception. I believe that the loan has problems under the Truth in Lending Act. 
3. Americans with XXXX XXXX. You already have my complaint under the Americans with XXXX XXXX. These XXXX issues compounded my problems under the Modification process, and Truth in Lending Act, above. 
Time is of the essence. I will call and write to add information.
On XXXX XXXX, 2017 I checked my credit reports and I was notified that a public record and a bankruptcy ( legal item ) from circuit court was removed from my credit report.
Under the new law effective XXXX XXXX, 2017 any public record data and legal item must include the consumers name and address as well as social security number or date of birth in order for any records to appear on their credit file. The credit bureau removed the records and has since re-inserted them on my report. Per the new law true Bankruptcy listed does not include XXXX this information and should be deleted from my credit report. In addition, XXXX XXXX or any other consumer reports.
On the following dates, various people from Admin Recovery have called my husbands work cell phone and my fathers work cell phone asking for me. 
XXXX, XXXX, XXXX and XXXX. The calls in XXXX were a representative named XXXX XXXX at XXXX extension XXXX. 

Admin Recovery has my phone number and I have spoken to a few people there requesting that they not call other people looking for me. I do not have a mailing address, but have an email customer service address and have requested at least twice ( XXXX and XXXX ) that they not call either my husband or my father. 

There has not been any written correspondence received from this company. I do not know why they are calling looking for me.
I was added as an authorized user on my Husband 's citicard. We have been divorced since XX/XX/2018. I called Citi XX/XX/2018 and asked them to remove my name as an authorized user, and they refused to remove me. They said I needed to have my ex husband remove me as an authorized user. My ex husband refuses to do this and I have continued to try to get him to. His spending and bill pay habits are negatively affecting my credit score and I would like them removed.
I mailed a certified letter to Experian, in regards to an account on my report. The account is XXXX XXXX, account # XXXX. I had mailed XXXX XXXX XXXX, on XXXX XXXX, XXXX, and letter was received XXXX XXXX XXXX. Before I mailed the letter, I attempted top send XXXX emails. All were returned as no email address on file. I received a response back, from XXXX, stating my letter was received by email, not by mail. Also, in the letter, XXXX stated the matter could not be looked into, as there was no new and material evidence. I beg to differ, as to which, I have been requesting copies of mortgage statements, for the life of this account. My main disagreement, being which if I was sent copies of escrow statements, dating back to XX/XX/XXXX, the billing statements must be in their possession. I mailed the letter ( s ) to Experian, and I received a follow-up letter, stating the matter can not be looked into, as it is considered as frivolous. Also, upon contacting Experian, on XXXX XXXX XXXX, at XXXX EDST, the call was disconneced after being on hold for well over 10 minutes. I feel as XXXX is hereby refusing my requests, as well as attempting to cover up the billing errors that occurred in XX/XX/XXXX, XXXX. This account was disputed in XX/XX/XXXX, and XXXX change it from being late, to paid as agreed, never late, at that point in time.
Experian and XXXX refuse to take a bad credit line off while XXXX XXXX did. The trade line is XXXX Bank. This is over 7 years old and needs to come off. My disputes with them have not resulted in any action.
It has been 6 months and XXXX Credit Bureau is still reporting XXXX unknown collection accounts on my credit that were not originated by me. I have tried calling and was transferred to another department in which i was on hold for more than 30 minutes before hanging up and they have ignored my written disputes. My only recourse and this point is to file a complaint with you and your company is hopes i will help me get the situation resolved or it is more ammunition to prove in court that i have tried to get my case resolved. <P/>XXXX Report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
The lender failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).
I get multiple daily calls from Allied Interstate at XXXX. 

I have no outstanding debt at all. 

The calls start as early as XXXX local time, even on Sundays.
This company is requesting payment for accounts that I do not owe on. {$500.00} from CREDIT MANAGEMENT.. 
These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to EQUIFAX. This needs to be removed ASAP. I am unaware of the accounts and have no verification this debt is mine. ... only know of this account based on it being reported in my credit report ( s ). I 've never heard of this company and DO NOT owe a Balance of {$59.00} to XXXX! We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. I will contact the Attorney General AS WELL against EQUIFAX AND XXXX XXXX in their respective state and both of these companies if this is not resolved NOW! EQUIFAX and These CRAs should be banned from doing business and ruining peoples lives without verifying information 1st! 
I 've ALWAYS had this type of trouble before with EQUIFAX. From fraudulent inquiries on my report, which they will not remove to situations like this. I file complaints over and over and will keep doing it! 
My report with them has always been incorrect. From having an out of date address from over 6 years ago as my main address to not having all of my current TradeLines listed that are active and in good-standing.I 'm not surprised with Equifax! 
I have submitted as well an official SS card and pay stub, XXXX with my correct address and these numbskulls still will not update my address. 
ALL references regarding this account must be deleted from ALL reporting agencies. 

-- Thank you, XXXX XXXX XXXX
My wife and I acquired a home equity loan in XX/XX/XXXX, the payments of which were on an automatic deduction at a specified date of each month. The last payment in this cycle was current at the end of XX/XX/XXXX. In XXXX of this year, I stopped the deductions from my primary account which raised the interest rate the loan was figured with. By XXXX, this note was six months delinquent. I was blessed with spousal support to help remedy three months of payments. A total of 3 months payments, combined with 3 months of late fees was paid. The lending institution credited the account with an amount of one month plus {$57.00} of the second month, the balance left from that was taken for interest charges, no credit issued for late charges. Is this fair?? On XXXX occasion, I questioned them about why the interest payment credited was more than the interest payment of the previous month, they just gave me the runaround about it, their answer did not set well, as I knew I was being cheated into paying more than the loan was for. The accounting method used by this bank, as well as others, needs to be explained every month to the borrower as to how the payments are calculated. I know they will get their interest first. The loan originated at 6.9 % ( .069 ), the interest on my primary account, the bank was paying me was .01 % ( .001 ).
BOA branch located at XXXX XXXX XXXX XXXX, XXXX, CA refused to cash a check written on my BOA account and in my presence and payable to a business when the business owner presented XXXX forms of ID including a business debit card with his name on it and his driver 's license. Instead, BOA choose to charge me {$10.00} to issue a cashier 's check. In addition, there was only XXXX teller during rush hour and the waiting time was over 1 hour and the Mgr. XXXX XXXX was rude and did n't care about the customers!
I have tried gaining access to my free credit report for the last few years with experian and equifax to no avail I had tried just in the last 30 days and was denied. The OOW out of wallet questions that are asked have nothing to do with me so I am unable to confirm what is actually on my creit report and have no way of resolving this matter over the phone with either agency which I find to be a joke. They want me to mail, not fax oir email, but mail them all of my personal information to try to obtain my own information which I am not okay with doing. If there is a way that I am able to get this issue resolved i would love to know how since i have been unable to find out how to get this fixed on my own.