WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/2017 I found a promotion through XXXX, where you could receive points for refinancing your student loans through SoFi. I was interested, and applied through the correct link, which brought me to the SoFi website. I applied, and was approved. I called SoFi to confirm that the promotion was on my account, as there had been some back-and-forth since application for additional documents, etc., and was told that indeed I had the promotion and the points would take several months to show up. 

I waited 6-7 months before calling back and asking about the points, which had not yet shown up. SoFi told me that I had used an incorrect link, and so I did not get the promotion. I asked the representative to check call notes, and he confirmed that I called specifically about the promotion, and was told that I would receive it prior to funding my loan. However, as the promotion has since expired, there is " nothing they can do about it ''. I asked about alternative ways to be made whole, and they are unable and unwilling to do anything. I asked for confirmation of this in writing ( including the notes where I was specifically told I had the promotion, the day before funding my account ) and they are refusing. I would move my loans to another company if it wouldn't adversely affect my credit score/report, but I'm not willing to tarnish my creditworthiness over SoFi 's misrepresentation.
My complaint being filed is agai nst PNC Bank. I have been receiving documents for over one year that belong to another person that lived at my current address three years ago. I have called and written PNC Bank to delete my address from this person 's account, but can not get any response fr om them.     On  XXXX   XXXX   2017 , I received a letter from a collection agency,  XXXX   XXXX   XXXX , in regard to this person 's account with the bank . PNC Ba nk gave the collection agency MY address and therefore, I am now receiving letters fro m PNC  Bank and  XXXX   XXXX   XXXX  in regard to an account that does not belong to me.     Documentation is attached to my complaint. I am tired of being harassed by PNC Bank and now they have shared my personal address with a collection agency, that is also harassing me by mail.
Called work number, the first time she was transferred to me, I explained that it was absolutely unacceptable for me to have calls at work and they could not call me again. The lady just called me again ( after a couple of weeks ) and said that she would continue calling me at work since I do n't answer my home phone.
I have a student loan for my daughter since XX/XX/XXXX and initially it was serviced by XXXX XXXX and then later transferred over to Navient. The loan had an original interest rate of XXXX % and when i consolidated the XXXX loans the rate was reduced to XXXX % while my payment amount of {$380.00} did not change. Recently I questioned Navient representative regarding the loan payoff and was told that my loan loan will be paid off much earlier than the original payoff year of XX/XX/XXXX. When I checked on line the payoff year was still XX/XX/XXXX. I questioned this and delayed my payment due last month by about XXXX days. With this delay in payment Navient increased the interest rate up to XXXX %. When I questioned this was told that I did live up to my commitment and as such the interest rate has been increased to XXXX %. Navient still continues to dodge the question of payoff year and how the loan is amortized.
The public records in dispute were deleted years ago from my file because they are not mine. As recent as a few months ago they have reappeared. I have contacted the bureaus several times and they have refused to provide any proof they are mine nor will they remove them again. At this time, short of legal action, the only resolution I will accept is deletion and suppression of the public records so they ca n't be reinserted at another time. 
I have come to the conclusion that the credit bureaus are violating my rights under section 1681and that they have received the following : NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. I receive the same response each time saying " verified '', and yet section 609 ( c ) states that I am allowed disclosure of the documentation used to " verify '' the accounts. They refuse to provide the documents as well as their method of verification ; the results they send state that I can request such and then they deny this. The accounts I am disputing do NOT belong to me. In addition, there are multiple addresses on my file that do not belong to me ; therefore, I am positive they belong to someone who has used my information in one way or another. I am going to have to resort to suing the credit bureaus.
I had a dispute with XXXX over some overcharges on my Invoice. 
They did not want to hear about it so they gave it for collection. 
I finally paid the collection agency the full amount. 
Subsequently XXXX realized they had made an error and sent me a refund check. 
I have been trying since XX/XX/2009 to get this off my credit report and they wo n't do it.
XXXX   XXXX   XXXX  provided me with a good faith extimate that did was grossly different from the final closing  XXXX / XXXX / 17 . The rate was increased mor e than .1 o f a percent and there was a fee of  XXXX   XXXX  dollars that was added in the last week when I could no longer extend the contract with the seller.
XX/XX/XXXX I filed online dispute XXXX about some negative accounts that are not mine. This is XXXX of them. On XXXX XXXX and XX/XX/XXXX I sent certified mails to Midland Credit Management to validate my debt per FDCPA 15 U.S.C XX/XX/XXXXg Section 809 ( 8 ) and per FCRA Section 609 ( a ) ( 1 ) ( A ). To date, Midland has failed to comply with my requests. I am attaching all documents sent to them with copies of certified request receipts. Today XXXX XXXX, I have sent them another letter to provide me proof of my alleged debts.
For the past couple of months, several individuals have been contacting from the same phone number claiming to be lawyers from the offices of XXXX, XXXX XXXX XXXX and Cooper, Hoffman, Klein & Associates. They have called my personal cell phone and my place of work several times a day, every day. I have repeatedly asked them stop calling me at work because I am not allowed to receive phone calls of this nature at work. They have not complied and continue to call. When they call, they yell at me on the phone, tell me that they are sending someone to come arrest me immediately, and usually end up hanging up on me. I have repeatedly asked them to send me a validation letter of the debt that they say that I owe and the refuse. I have also asked them for an address so that I could send a written request to them to stop contacting me at work and they have refused this as well. They have even called my work and told my employer that they were sending a cop to come arrest me right that moment. They have told me that I have committed check fraud and that I have written hot checks.
I made a deposit through the ATM of XXXX. There were NO signs indicating a deposit delay on the machine itself or on the screen. My deposit was accepted of {$75.00}. The deposit was not posted to my account until XXXX days later. I was not given credit for the first {$200.00} of the deposit, AND I was assessed NSF charges on the account. I contacted bank personnel concerning the matter and nothing has happened as a result.
National Credit Systems has been attempting to collect a debt that belongs to my deceased father. I was my father 's caregiver and in XX/XX/XXXX he leased an apartment at XXXX XXXX. I had no financial liability to the lease or its expenses. However, the complex stated they needed the Social Security number of every adult over the age of XXXX residing in the apartment. Their lease had a clause that stated in the event of a death he would not be liable for the rest of the lease. My father passed away XX/XX/XXXX and I immediately vacated the premises on the weekend when the office was closed. I provided a letter and proof showing my father passed away, pictures of how the apartment was left, the keys, the forwarding address to be notified of the receipt and left in the drop box as I moved out of state. About a month later I received a bill stating I was responsible for the debt as if my father was my spouse. I contacted the management company located in XXXX and advised I was not his spouse and it was not a joint account I was only a resident on the lease. They refused to acknowledge that and reported to my credit and sent to National Credit Systems as if it was a joint account. I notified them this was not my debt and disputed with them and the Credit Bureaus several times. They continue to pursue me for my deceased father 's debt.
I do not have a credit score. I purchased car in XXXX of 2015 and my credit report does n't reflect that either. I just want to know what is going on and what is the reason i do not have a credit score.
XXXX XXXX of CA incorrectly has listed XXXX debts per credit bureau. Despite my certified letter to them dated XXXX/XXXX/XXXX, they have failed to validate the many debts and keep incorrectly reporting them to the XXXX credit union. Their lack of response is greatly effecting my ability to get a HELOC loan of which I am in need.
XXXX XXXX XXXX XXXX XXXX made an unauthorized hard inquiry to my credit report on XX/XX/XXXX. I did not authorize this hard inquiry and I see reported hard inquiry on my Equifax credit report. I contacted both XXXX XXXX XXXX XXXX and Equifax. 
XXXX XXXX XXXX XXXX never replied to my email which I sent on XX/XX/XXXX. 
Equifax on XX/XX/XXXX replied that I should contact XXXX XXXX XXXX XXXX about this issue. 
Could you please help me to resolve this and remove unauthorized inquiry from my Equifax credit report? 

Thank you
XX/XX/2017 I spoke with a representative and told them that I have a debt consolidation company handling the matter but they still call 6 times a day regularly before XXXX XXXX and after XXXX XXXX. The company is XXXX XXXX.
I received an automated message on my direct line at work, which referenced my debt, failure to honor a payment arrangement, and a threat of legal action if I failed to respond. This phone line is forwarded to a co-worker when I 'm away from my desk, at lunch, or off for the day. Anyone who happened to answer the call, would have heard this information about my personal debt, which could be detrimental to my reputation at work, and my chances to promote.
JP Chase Bank is just not doing right to their customer knowing that is difficult to control their money, if purchases are made with debit card when you look a the account will show that transaction was deducted then 2days later they transaction appear on a different day and an insufficient funds fee when it was process there was enough money to cover the transaction and balance was provided. 2nd issue if check are process in the same day or night before their deposit from employer they overdraw the account and change all this fee 's when the deposit comes in. 3rd issue if they receive XXXX or more checks they put the bigger one first to over drawn the account and charge more non sufficient funds fees so we never could keep account balance and you ca n't talk to one single representative that will even take the time to understand they will either tell you if you do n't have the protection plan they will cover and charge but they still returns the check when ever they want so its deceptive
Based off the fact that EXPERIAN has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so they have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show there blatant disregard for Federal Law. 
The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That 's all Experian has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ).
i told them that i do n't owe this amount {$950.00} they keep threating me to take me to court. the collection agency is called mcm
Requested in 4 certified letter with copy of my SSN, Driver license to Equifax stating these 3 company do not have authorization in writing to run my credit however equifax is refusing to remove hard inquires from my credit report XXXX XX/XX/XXXX - Spoke to XXXX at XXXX they do not my authorization in writing to run my credit XXXX XXXX XXXX XXXX XX/XX/XXXX - Spoke to XXXX at XXXX XXXX XXXX they do not have written authorization to pull my credit XXXX XXXX XX/XX/XXXX - Spoke to XXXX at XXXX XXXX they do not have written authorization to pull my credit
I do n't know who to go to ; I have been trying to verify my Identity on I.D me for Vets.gov. But unfortunately they do n't have my updated address ; and i 'm honestly not sure what address they have for me. They go through Experian ; who when I tried to enter my stuff it said i have the wrong address. I had 1 address until XX/XX/XXXX; then it was in missourri. XXXXXX/XX/XXXXmy addresses have all been in Louisiana ; 2 on  XXXX XXXX, 2 in XXXX, LA, and my current address is in XXXX, LA. But I am going to the post office to forward everything to that address tomorrow. So it might not be on there yet. Because we just got it this week. I would really appreciate your help ; it 's holding me back from checking my claims through the VA. Thank you.
I just opened up a credit card with Barclaycard Bank. They did a hard pull on my credit report which negatively affected my XXXX score. I used the card and paid on time always. I did nothing wrong. They recently closed my account for no reason which again negatively affects my credit report because I will have a notation indicating that the credit was closed by the creditor.
The law firm of Bronstein and Weiss have contacted my family members in an attempt to reach me to collect a debt. This has upset my family, and me, especially after they are trying to collect a debt that is more than five years old, and after being requested to submit any correspondence and contact information in writing.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX My contract was cancelled I never agreed to pay a third party aka collection agencies I had insurance on my items which I reported to original company was destroyed and in some one else 's possession I could not be around court ordered. My damage waiver should have covered damaged items. I couldn't return also owner of store said she sold contract out of her hands which is a breach in the contract it is backed by a bank so it should have been charged off as loss or covered by insurance. I have no contract with collection agency who just told me over the phone today they have given the account to there attorney but the original creditor states they no longer have anything to do with my account also the prices and the way the reporting on my account Is wrong I had one account with XXXX XXXX XXXX XXXX but the collection agency reports it as two and they only have one contract that doesn't say I have to pay them and I was willing to so I can fix my credit report but they refused to remove account only report them as XXXX.
Case # : XXXX XXXX XXXX XXXX , XXXX. 
ACCOUNT NUMBER XXXX LOAN NUMBER XXXX Sent on : XX/XX/XXXX STATUS : Company responded the complaint does not belong to them on XX/XX/XXXX Dear CFBC team, Thank you once again for your kind assistance. XXXX XXXX XXXX , XXXX. s response leaves us a little confused based on the following premises : 1.If the complaint does not belong to them as they boldly claim, then why did they accept our certified mails and signed all three return receipts? 
2. If we had no business with them then why did they give us an account number in the first place? Why are our business transactions recorded in their books, why do they send us financial statements? 
3. If the foregoing argument has all true premises and a true conclusion, then it is valid and we have reasons to believe that : XXXX XXXX XXXX , XXXX. s response is a false statement made to a federal agency and certainly constitutes federal lying statutes contained in Title 18 of the U.S. Code Section 1001 which states that : Whoever, in any matter within the jurisdiction of any department or agency of the United States knowingly and willfully falsifies, conceals or covers up by any trick, scheme, or device a material fact, or makes any false, fictitious or fraudulent statements or representations, or makes or uses any false writing or document knowing the same to contain any false, fictitious or fraudulent statement or entry, shall be fined not more than {$10000.00} or imprisoned not more than five years, or both. 
We do recognize the dependability and reliability of the United States Postal Service ( USPS ).  Please find attached proof from the USPS and act accordingly. Thank You
I have set up certain days to have my payments pulled from my account and this company has pulled 6 times in the last 5 days and has cost me XXXX dollars in bank fees.
Our payment forXX/XX/XXXX was not paid inXX/XX/XXXX However, in XX/XX/XXXX we paid bothXX/XX/XXXX and XX/XX/XXXX payments together on XX/XX/XXXX in the amount of {$2100.00}, which included all late fees associated with payments being late. Account was completely caught up. XX/XX/XXXX payment due on the XX/XX/XXXX was paid onXX/XX/XXXX ( 8 days past due ) andXX/XX/XXXX payment was due on the XX/XX/XXXX and it was paid on XX/XX/XXXX ( 22 days past due ). Neither of the above mentioned months are past 30 days with the exception ofXX/XX/XXXX I pulled a credit report with all 3 Reporting Agencies and GM Financial has reported that No data for XX/XX/XXXX and show us 30 days late for XX/XX/XXXX. I called GM to try and fix this and they tell me that they do not show that in their system. I called again and was told the same thing, I took the conversation to GM Financial chat and was told they do not show our account being reported as late, so I paid to have our reports ( all 3 ) ran again, and again our reports are showing no data forXX/XX/XXXXand late forXX/XX/XXXX for our GM Financial account. The statements reflect the correct information, but what is being reported to the bureaus is incorrect and reflectingXX/XX/XXXX to be 30 days late. We have been current on our loan sinceXX/XX/XXXX
I specifically opened an account to pay bills, light bill ( automated payments ) and a court settlement. When XXXX / XXXX misprocessed the payment and I reported the matter in person to XXXX at th Citizen 's bank branch, h failed in his duties to protect their account holder and process a fraud complaint. 
Also I understand that I may be held responsible for incorrect processing of a XXXX Payment from XX/XX/XXXX.
The first week of XX/XX/2018, my debit card was misplaced at some point in an unknown location. I looked at my account and noticed dozens of charges at various locations in my state, some I frequent myself, some I had no idea. I called and filed a unauthorized charges dispute as soon as I saw my account information. It was investigated and I wasnt sure what was a normal charge I made and what was unauthorized/fraudulent because I was out of sorts at the time. I was refunded within the next week or so for almost a thousand dollars. I just got an alert 3 months later that my refund is being taken back on XX/XX/2018 and that my claim is closed for further discussion. I did not make XXXX dollars worth of charges and can not be dismissed with a simple " we looked into it and its your fault ''. I will go negative and suffer many overdrafts if this action is permitted tomorrow and it will take me months of being behind on Bills to catch up. All for something that is not at all my fault.
On XX/XX/XXXX I notified Wells Fargo that someone was using my debit card fraudulently. Part of the fraudulent transactions were credited back ( {$240.00} ),  however the following transactions have not been refunded to me as of XX/XX/XXXX : Transaction Date- Amount- XX/XX/XXXX {$4.00} XX/XX/XXXX {$18.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$4.00} XX/XX/XXXX {$59.00} The total of the transactions was {$130.00}. I called Wells Fargo on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and twice on XX/XX/XXXX. Wells Fargo has refused to give my money back from from the fraudulent charges on my debit card. My Wells Fargo claim # is in the attachment. I have had the same checking account since I was XXXX years old so I have had my account 29 years. Wells Fargo is refusing to refund my money but they advertise a " zero liability '' program with their debit and credit cards. I am asking for assistance in recovering my money as I have spent countless hours on the phone trying to resolve this matter with no results.
I sent a complaint through the CFPB regarding accounts on my credit that were not mine. There are still accounts that said was verified that it belongs to me and that is not a true statement. I demand proof that these accounts are verified as mine with signatures and agreements. I have been wrongfully denied credit for this unacceptable mishap on the credit bureau for reporting this incorrect information. Please have the follow items removed from my credit report immediately or I will have no other choice but to seek legal advice. I have tried all I know to resolve this. The accounts that are not mine are : XXXX : 1. XXXX XXXX XXXX XXXX Account Number:XXXX 2XXXX Account Number : XXXX 3.XXXX XXXX Account Number:XXXX Transunion : 1.XXXXXXXX XXXX XXXX Account Number : XXXX 2.XXXX XXXX Account Number:XXXX 3.Chapter XXXX bankruptcy dismissed ( Which was removed from XXXX and XXXX so please prove to me how Transunion can say several bankruptices are mine and the were removed by the other two bureaus ). I have never filed for bankruptcies. 

Please have all these items removed from my credit report immediately.
In XXXX we purchased a home with XXXX XXXX XXXX in XXXX XXXX, Fl. We financed the home with XXXX and our loan was serviced via Dovenmuehle Mortgage. In XXXX I became unable to work and sought to have a modification done on the loan to make it more affordable. In XXXX of XXXX Dovenmuehle stated that we qualified for a modification and that one would be " no problem '', so we started the process with them. 
They told us not to pay while the modification was taking place and even told us that they would not accept payment. In XXXX of XXXX, their underwriter contacted us and told us that we did not qualify for a modification so it was denied. We asked for other options and were told that the only other option was a repayment plan - we suggested multiple payment plans to Dovenmuehle and each plan was denied - they stated that the behind balance had to be paid within XXXX months ( and we were behind more than XXXX months - meaning we would have had to make more than double payments ). They would not accept any payments other than the behind balance or what they said we had to pay to catch up. 
They refused to help us in any way and have now filed foreclosure on the property.
I contacted Transunion credit, and ask why the reported a 91 point drop in my credit score. In talking with Transunion they would not provide me with a reason why my score was changed. Transunion did state that I had no negative reports on my credit that nothing had changed. My score was XXXX and went to XXXX  in less than a month. I can not get an answer from none of the credit bureau about my drop in scores.