WillisBack/dataset-financial-user-claim huggingface dataset:
The following summarizes my issue with PNC Banks policy, and their refusal to properly rectify the consequence of their mistake. 

On XXXX XXXX, 2014 I placed a currency exchange order for XXXX XXXX 's at the PNC bank located at XXXX XXXX XXXX in XXXX XXXX, Mi. This transaction is XXXX # XXXX. Subsequently, I picked up the money and engaged in a conversation with a bank associate about returning unused monies. At that time I was told that I could return paper money, but that they would not accept coin. 

On XXXX XXXX I went to the bank to return XXXX paper XXXX for approx. $ 35-40 U.S. At that time the bank associate made a telephone call to determine the exchange rate on the currency. After that call she informed me that the bank had a policy of not exchanging XXXX with a value of less than {$100.00} U.S. In response, I told this associate that I inquired about returning XXXX when I picked it up, and no one told me about this requirement. I certainly could have brought back the required amount if I had known about it, and I told her that the bank was negligent in not informing me about this. I felt that they made an error, and want me to suffer the consequences of their oversight. The bank associate told me that she would discuss the matter with bank management, and someone would get back with me. 

On XXXX XXXX I received a call from someone at the bank who identified himself as " XXXX ''. He told me that he checked out my exchange issue, and found that PNC had a policy of not exchanging XXXX with a value of less than {$100.00} U.S., and they could not make exceptions to this policy. I asked him why the bank did not inform me about this when I inquired. He apologized, and it appeared to me that local bank personnel did n't know about this policy. When I asked XXXX about the reason for this requirement he stated, " efficiency 's of scale ''. I pointed out to XXXX that the bank had a XXXX opportunity to make this requirement known to me in written communications, but missed that chance also. As a result of my order, I was given a written record of the transaction entitled " PNC Foreign Exchange Services ''. This document should have defined the return exchange requirement, but failed to do so. I told XXXX that I viewed this failure as additional negligence on the part of the bank. 

XXXX was firm in his position that the bank would not exchange the XXXX for me, and he suggested that I try to get it exchanged at the airport. I told XXXX in response that I have been a member of PNC and it 's acquired banks for almost 50 years, and I would like to believe I could count on my bank for this service.
The mortgage loan was closed on XX/XX/XXXX, and the remaining amount for closing was paid by me on XX/XX/XXXX to the Titling Company. I was not aware that the Title Company would take 48hrs to post the payment causing the payoff to post to Roundpoint Mortgage on XX/XX/XXXX. This in return caused the XX/XX/XXXX monthly payment to be reported as a 30 day late payment to Roundpoint Mortgage. The property that Roundpoint Mortgage was servicing was sold. 

I have contacted the creditor and explained the situation a number of times. I also sent the creditor the letter from the Titling Company showing that is was by no fault of me that the payment was paid on XX/XX/XXXX instead of XX/XX/XXXX. The creditor informed me that it was n't anything they could do about it because they have to report the date the payment posted regardless of what I have informed them. I was current with all my monthly payments due to the creditor the entire time that I had the loan which should further prove I was not trying to be late with any payments..
I refinanced my loan in XX/XX/XXXX with Wells Fargo, who is the same mortgage company that I used when I purchased my home in XX/XX/XXXX. Because I had made my payments on time and did n't walk from my underwater house like most others, I was eligible for the harp program. I went through the process and refinanced at an interest rate of 4.625 %, which was 1 % higher then the market rate at the time. My loan XXXX told me that the HARP program carried higher rates because of the risk premiums due to the home being underwater. I was also told by the loan XXXX that I had to use Wells Fargo for the refinance because only the current mortgage holder could refinance under the HARP program, so, I had no ability to shop. The refinance still made sense financially at the time so I proceeded. I received a call recently from that same loan XXXX informing me how low rates are and offering to refinance me. When I explained to him that he already refinanced me under the HARP program and that my understanding was that we could not again he indicated that he never used that program for me, rather, he used an internal program that wells fargo created that was similar to harp. He must have forgotten all of the lies he told me originally. I explained to him that my home is still underwater so a normal refinance would not work unless they had a similar program they could refinance me. He agreed and said they do not have any programs that could refi me if I am still underwater and that HARP could not either because my new loan was originated after XX/XX/XXXX. So, I was misled and deceived to believe at the time of my refinance in XX/XX/XXXX that I was refinancing under the government program HARP and had no ability to shop so had to take what they were giving me only to find out that it was a made up program so wells fargo could make as much interest on me as possible. I am a business man and understand the importance of maximizing your profit, however, This program was created for those who were doing right thing and making their payments on time, despite the fact their home was over 100 % underwater, to help make things affordable. I could have just as easily walked away like most other did and stick them with my house that is still underwater by XXXX. But still, I was offered a rate of 1 % over the market rate at that time and am now stuck in this loan because of their deceiving practices because I am still underwater. This program was to help the American consumer but wells fargo still found a way to take advantage of me. I have dwindled most of my savings to keep up with the payments and am simply asking for Wells Fargo to do the right thing and refinance me ( not modify ) at a 3.625 % rate, which is the rate I should have been offered and closed at in XX/XX/XXXX. If they were able to refinance me before under a program they made up that was similar to harp, then they should be able to do the same to make this situation right
I was given the 80/20 mortgage by Wells Fargo Bank mortgage representative in XX/XX/2006. I did not asked for this type of mortgage. The mortgage representative gave me this type mortgage when I applied for it. Since then, I have tried numerous times to either modify or refinance my house, Wells Fargo has not been willing to help me. 
Now, I am at point, I am scared of loosing my house. 
I believe Wells Fargo is not willing to even modify my loan, mainly because they want to continue milking underprivileged consumers like me, as usual with the high interest rate.
I recently learned that my credit information was shared on several dates : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX with XXXX XXXX. I did not request service with XXXX XXXX, nor did I give them the right to initiate a credit inquiry on my behalf. These inquiries are negatively impacting my credit score. 

I called Equifax on XXXX/XXXX/XXXX at XXXX to learn more about these inquiries. I was surprised that Equifax had shared my information without my authorization. After learning they had incorrectly listed my name on my account ( as XXXX XXXX XXXX as opposed to my correct name, XXXX XXXX XXXX XXXX, I grew concerned Equifax had sloppy security protocols and was concerned they were not doing due diligence in protecting my financial information. I asked Equifax to tell me what their requirements were for sharing information with creditors. They refused to tell me both XXXX XXXX what information they require, XXXX XXXX what specific information the asked of the erroneous creditor, XXXX XXXX, before sharing my credit report with said company. 

I was told repeatedly I needed to call XXXX and ask what information they had used to access my credit information. I politely explained, I wanted to understand Equifax 's policies in sharing my information with creditors. I specifically asked, " What information do you require of creditors in order to share my information with them? '' The first staff member I spoke to could not answer. I requested to speak with a XXXX, XXXX, who again to refused to answer my question. Finally I escalated my request to the Equifax 's XXXX of Consumer Affairs. I repeated my question to the managing XXXX, XXXX XXXX. I told her I wanted to know what information Equifax requires of creditors before sharing my personal credit information with them. 

XXXX XXXX refused to provide this information. She said she could only give me the phone number for XXXX XXXX. I told her XXXX XXXX could not answer my question about Equifax policies. She repeatedly refused to tell me the answer to my question. She refused to tell me the name of her supervisor, or let me speak with them. She then hung up on me. 

It is my understanding that, reporting information that one knows to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act XXXX. It is concerning to me that Equifax is providing my personal credit information to strangers, without my consent or knowledge, and is unwilling to tell me how or why this has happened. Additionally, the lack of interest Equifax has demonstrated in investigating this error, shows the company takes no responsibility in protecting my information in the future from those who seek to take advantage of my credit.
{$200.00} that I deposited when opening my account was either lost or stolen by XXXX XXXX XXXX, perhaps through money laundering. The supervisor was shockingly unable to even track or see the {$200.00} that was debited. There appears to be rampant fraud or shocking incompetence at TD Bank for they to have lost {$200.00} or cover up the theft of {$200.00}.
XXXX XXXX is an account that is erroneously being reported on my credit report. This is not my account.
The credit reporting agency reinserted a previously deleted item. the item was not verified by the credit reporting agency. TransUnion inserted the account on XX/XX/2017. The original creditor is XXXX
On XX/XX/XXXX, I filed a complaint with the CFPB about Equifax, complaint number XXXX. Equifax finally sent a free copy of my credit report, which I originally requested on XX/XX/XXXX. Then the CFPB just closed the case, without any input from me whatsoever about its resolution. 

I have asked Equifax multiple times not to print my social security number in full on my credit report, but they did it again anyway. In a letter dated XX/XX/XXXX, Equifax said they would mask the first 5 digits of my social security number. Then they unmasked it, and I had to ask them again in a letter dated XX/XX/XXXX. But, once again, Equifax insists on showing my full social security number in full, and I do not want them to do this. It is totally unnecessary! 

Also, I would like to know why the CFPB closed my case when I had not even had a chance to view the results. I tried to hit the feedback button, but it didn't work.
i went to XXXX XXXX/XXXX/14 to buy a car. i found a 2014 mustang stock car with no upgrades, loon the sales man stated that the car was XXXX $ but that we can work down the price to {$19000.00} out the door, so i said ok ill put {$11000.00} down cash and finance the rest, so over a period of a year i was unable to keep up with the payments and was wanting to sell to a friend who would accept the payments so i called the finance company to see how much i needed to pay off the company. they stated XXXX i was confused and went down to gaudin and talked to loon and he remembered me and that i put XXXX XXXX so he said he contact me after he located my contract in the office. two weeks went by and nothing was heard, so i called and then he sent me supposedly the copy of the contract with the finance numbers not recognized. that total sales price of my car to be XXXX and a false signature made by me. i called gaudin and nothing. then my car was repo again and i was unable to keep up with all the extra fees and i let it go. my car was taken and they did n't contact me to get my belongings back nor when the auction was. i know for a fact that i did n't sign to by a XXXX XXXX i was told XXXX $ out the door. now im walking and am unable to get around. i have always maintain myself with a vehicle.
Citi card made payment to XXXX XXXX car which I did not authorize. This is what happened. 
I took rental car from XXXX after confirmed reservation from XXXX XXXX insurance. At that time I provided Citi card to XXXX in order to pay charges I agreed with XXXX which is " customer pay XXXX ''. Copy of receipt from enterprise is attached. However, in between liberty mutual refused rental ; I 'm working with XXXX on that and Citi has nothing to do with that. Since my agreement with XXXX was to pay only XXXX, Citi was not supposed to pay what I did not auth. It appears Citi sided with the merchant.
I wrote to XXXX and called numerous times. Calling was not possible as I would get put on hold and then hung up on. finally I wrote to them and informed them that I was discontinuing my service. They continued to bill me and now it has been sent to a second collection agency, ERC. The first collection, XXXX, only responded to my correspondence by sending me a statement. No help as it showed a service I had discontinued. Please have them reveal my document to you and not report me to a collection agency. Thank You.
I pulled my Credit Report and found XXXX XXXX put a charge off on my credit report for the amount of $ XXXX.on the date of XX/XX/XXXX I wrote XXXX XXXX a certified letter asking for validation that is competent evidence bearing my signature. 

XXXX XXXX revived the certified letter on the date of XX/XX/XXXX. 

XXXX XXXX responded on the date of XX/XX/XXXX stating that they were not a debt collector but the original creditor and they do not mark credit reports as disputed in the 30 day period. XXXX XXXX never provided me with the validation I requested. 

On the date of XX/XX/XXXX I wrote another certified letter to XXXX XXXX stating that they did not validate the debt in question via bearing my signature. 

XXXX XXXX received the second certified letter on the date of XX/XX/XXXX I never received a response to the second certified letter. 

On XX/XX/XXXX I pulled my credit report to find out if XXXX XXXX had marked my credit report as disputed. And found that XXXX XXXX had not marked my file as disputed, and as to this day of XX/XX/XXXX my file is not labeled disputed. 

I sent a third certified letter to XXXX XXXX on that date of XX/XX/XXXX notifying XXXX XXXX they did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by Federal law to place a " notice of dispute '' on my account within 30 day of my dispute, in which they signed for on XX/XX/XXXX. I retained a copy of their signature and date of receipt, as well as a time stamped copy of my credit report, showing that XXXX XXXX has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and / or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
XXXX XXXX received the third certified letter on XX/XX/XXXX And yet again XXXX XXXX has failed to respond to the certified letters I have sent to them.
In XXXX I refinanced my loan -- and, the closing documents did not include a date when the date for rescission expired. As a result, my period for rescission, under Reg Z, was extended to XXXX years. In XXXX I sent Bank of America a letter of rescission, and received a letter back from their attorneys denying the rescission. 

In XXXX of XXXX, the Supreme Court in XXXX versus Countrywide ruled that the only thing required to rescind a loan, is a letter stating that the consumer is rescinding the loan. At that time they have a 20 day window in which to file an opposition lawsuit -- and if they do not do that -- the Supreme Court states that the loan is rescinded by operation of law. Bank of America did not rescind my loan, and subsequently conducted an illegal Trustee Sale, and an even more illegal 3rd party sale of the property to XXXX. 

I am now fighting an illegal eviction from a party who, according to the Supreme Court, can not possibly 'own ' my home!
On XX/XX/2018 XXXX XXXX representing XXXX XXXX  XXXX XXXX placed an unauthorized hard credit inquiry via XXXX when attempting to sell me one of their products. During the phone conversation she made a request to check the last 12 months payment history with XXXX XXXX XXXX as they recently had purchased my FHA  loan from XXXX XXXX XXXX. She guaranteed that this was to check the history from XXXX XXXX XXXX and not a credit inquiry. 

Immediately after she had run my unauthorized credit pull, I received notification from my credit monitoring software and I contacted her via email ( attached ). I was told that she did not believe that it was a hard inquiry. I proceeded to pull my TransUnion, XXXX, and XXXX  reports displaying the unauthorized hard inquiry on XX/XX/2018. I made the request to have the unauthorized credit inquiry removed from my credit report. XXXX responded that she could not and that I may dispute this with my credit bureaus and stopped communication. I proceeded to contact her listed manager XXXX XXXX, receiving no reply as well.
Quality Loan Service Corporation 's LIE is EXPOSED ... stealing our home in broad daylight - a FEDERAL CRIME! Please find attached. 

Thank you for your urgent help.
I made XXXX payments in XXXX of this year however I miscalculated because the taxes had increased. Instead of applying the additional funds to my account Nationstar held the funds for 90 days. I was unaware but received foreclosure notices in the mail in XXXX. I contacted Nationstar in XXXX and was under the impression everything would be resolved paid the difference that night plus charged an additional fee because of a handling charge when doing it over the phone. To my surprise this did n't get taken care of so I had to call again in XXXX. In the meantime Nationstar had been reporting me late to the bureaus a rolling late since XXXX. I 'm devastated over the issue and the mental anguish\concern has been difficult for us as a family. I received an email regarding late fee charges instead of addressing my issue. I was suppose to receive a letter from Nationstar where they were going to fix the reporting error with the bureau 's however that has n't happened yet. Nationstar had someone come out to my house and knock on the door, left a notice on the door knob as well but it was in another language so we were n't even sure who left it. I threw it away but now I 'm extremely embarrassed now that I know why the person was sent. Not to mention I do not understand the lack of common sense used by this company. Nationstar was aware they were holding a whole loan payment shy of XXXX but did n't apply the funds and sent a foreclosure notice instead.
I had a loan with XXXX ( XX/XX/XXXX - XX/XX/XXXX ), I never missed a payment. After I got denied for employment and housing several times I decided to get a credit report. My credit report states that XXXX reported that I missed 30 payments. The truth is I never missed a payment. XXXX is fraudulent and they work against their customers best interest. I spoke with a mean customer service supervisor named " XXXX '' if that's her real name. XXXX did nothing to solve the problem, XXXX made the problem worse. She wanted to argue for hours instead of removing the fraudulent reports on my credit report due to bugs, glitches, computer system errors, a conspiracy to ruin my future for no reason. I suggested that XXXX should inform IT to get the problem fixed and she ignored my suggestion. Finally after XXXX/XXXX   took no accountability for their actions I consolidated my loans with another company. I no longer do business with XXXX because their company is involved in fraudulent activities like ruining innocent Americans credit reports for the XXXX of it! I will never do business with this company again. The customer service is terrible and you can not do business with XXXX XXXX   customer service agents due to strong accents, lackadaisical attitudes and frivolous banter about everything besides the reason you called. At this point ( XX/XX/XXXX ) XXXX does not have a reason to report to the 3 credit bureaus about me since I no longer do business with them.
I want the credit bureau to verify proof documentation to me ( consumer ) via mail of all delinquent items according to FCRA page 35 statue 609-disclosures to consumers [ XXXX XXXX. statue XXXX ] information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to XXXX XXXX a ) ( XXXX ) [ statue XXXX ], clearly and accurately disclose to the consumer. If the XXXX credit bureau 's can not provide proof documents of said law FCRA requirements, I am demanding that any delinquent items be deleted from credit file.
We have been in contact with Navient very frequently since XX/XX/2017 to try and resolve our daughters student loan situation. Initially we understood the loans to be Federal loans. At some point Navient took over 5loans from XXXX XXXX, apparently now considered " private ''. As loan payments began approaching due date post graduation we have had conflicting information from Navients customer service as to how to navigate payment options. We were told Forebearance is the only option, now reaching the end of this option. It appears a benefit for Navient, forbearance. These loans need to be consolidated or payment due substantially decreased, we have no other options from Navient. Payments were being made while attending the University to " XXXX '' ( Navient? ) each month. Not sure where that money was applied, but it was deducted from our checking account each month. Any guidance in this matter would be appreciated.
I opened a Discover Online Savings account which was offering a Promotional Bonus reward of {$100.00} for depositing {$15000.00}. I fulfilled the requirements, and when I did not receive my bonus, I tried contacting the Discover Bank via secure message and received quite a number of back and forth messages without any resolution to my problem. I noticed that others have also experienced similar distress as shown on the comments section of the link below : XXXX
I contacted the XXXX to obtain Hard Money for a real estate deal I was working on. XXXX suggested and I agreed that he could obtain credit lines instead. As the invoice that I will attach will show, he obtained four credit lines and I was invoiced for them individually. The largest of the lines was Navy Federal Credit Union. On XX/XX/XXXX, 2016 I went to a XXXX and took a cash advance out on the account and paid the invoice due via XXXX to the XXXX as the account was open and in good standing. After that point when I contacted Navy Federal I was informed that my account was closed because I do not qualify for their services. 

My dispute is with the XXXX as they have promised a service and have not delivered yet they have already received payment and also with Navy Federal as someone within their company worked with the XXXX to open an account of which I do not qualify for.