WillisBack/dataset-financial-user-claim huggingface dataset:
i opened an account with pnc bank on the   XXXX   XXXX   XXXX   telling them i am opening the account cause i am expecting fund from ohio and pnc is the only bank in the city that has a branch in Virginia and will be expecting some deposit so i got a deposit of {$6000.00} on the   XXXX   XXXX   XXXX  , a cash deposit of {$6000.00} and another deposit of {$8000.00} on the   XXXX   XXXX   XXXX   XXXX   which was cash also and on the   XXXX   XXXX   XXXX   i tried to access my fund i was told that the fund was on hold it will be release on the   XXXX   XXXX   XXXX   which i was bemused since it was a cash deposit so i called the person that made the deposit the what was the mater he should go back to the branch he made the deposit and see what happened he said everything was ok from the branch so i went to the branch to get my fund and was told there was a hold on the account and was refer to a bank worker who made calls and got no good response or a firm reply he told me to the only other option is to escalate the matter and let the department take care of it. so the next day i went to the branch since i did n't hear from them and they told me they are closing my account and sending me a cheque for the amount. So the next day i got a call from escalating dept that they re closing my account and the wo n't be sending me a cheque for no reason i feel day are trying to sell my money or take it since am a foreigner
I request that you make out a check of {$24000.00} to resolve the title fiasco which is ongoing. Instead of closing on the sale of the condo last summer, as scheduled, we barely closed just now in the autumn after arduous labor, and a still unresolved title problem. It was just short of four months of delay and legal work involved with this corrupt, but insured title. 

Here is the breakdown : Common charges for four months $ XXXX {$1600.00} Mortgage payments for four months since the scheduled closing $ XXXX {$5000.00} Escrow held by the title company because of the still corrupt title= $ XXXX Legal fees of my husband, an attorney, for four months of work= {$12000.00} Extra legal fees paid to our transaction attorney XXXX XXXX= {$4000.00} more than originally agreed upon, but an additional amount paid due to the extra work required to close Total= {$25000.00} Will you issue that check please? 

Also, you should issue a check to XXXX XXXX for unpaid legal work done to resolve this corrupt title.
Company offered XXXX bonus points for new consumer cards and XXXX bonus points for new business cards. I applied and was approved for a new business card ; however, I only received the XXXX bonus associated with the consumer card.
I amm complainning about Macy '' s Dep [ artment stores. I opurchase one wimming suit. sale person offer their credit card. So i took therio credit casrd and charged it. after I paid full amount of puchase of swimming suilt. they told me my payment was late and charged late fee of XXXX dollar and interest XXXX i told them I want ot cancell and close ltheir credit card. i do n't want to use their credit card and told them I do not want to business with them. they do not listen to me and keep charge the late fee. and last statement I owe them XXXX cent. please help me to solve this kind of problem. My account number withs them XXXX My day time telephone number si XXXX.
On XX/XX/XXXX, I discovered that my Chase checking account had been hacked and the hacking had been going on since late XX/XX/XXXX. Copies of all my statements showing the hacking are attached, along with my letter to Chase. The hacking was in the form of EFTs, or electronic fund transfers to various and numerous XXXX accounts. Please see the attached PDF. There were seven pending transactions on XX/XX/XXXX and Chase refused my request to try to stop them. As you can see from the attached PDF, those seven pending transactions totaled approximately {$10000.00}. In all, as you can verify from the attached PDF, the fraudulent EFTs totaled approximately {$180000.00}, which was a number given to me by a XXXX employee as I have been too upset to total them myself. 

I caution all my friends to check their statements, especially the Electronic Withdrawals section carefully so this does n't happen to them.
I chatted with a rep by the name of XXXX earlier this evening, XXXX, regarding a payment plan set up prior with another rep. I agreed to pay an amount of XXXX, my last payment made on account ending in XXXX. Additional payments due include XXXX by XXXX, XXXX by XXXX. These payments have been scheduled. However, as XXXX informed me, late payment fees are not waived as part of the payment plan. I did not inquire about over limit fees, however, I believe these should also be waived. I understand the account is past due and over limit, however adding late fees and or over limit fees do not help in the matter.
I am attempting to get a mortgage and received a copy of my credit report from the Mortgage Company. My last home that I sold ( the Mortgage was with XXXX XXXX XXXX. ) is listed as unrated from the bank. This is then pulling as a foreclosure through direct underwriting. This home never went to foreclosure, and I have a copy of the HUD 1 statemnet to prove it. I have spoken to XXXX XXXX, but they say they will not discuss it, I need to send a letter and it can take up to 30 days to get an answer from them.
In the month of XXXX 2017, one of my business associates sent me {$4000.00} and {$3000.00} through PayPal. PayPal does not allow me to use my funds for well over 3 weeks. I have to call them constantly and beg for them to release the funds. In addition, there is a very long wait, usually over 30 minutes, to speak to a representative.
I am filing this complaint because of deceitful if not illegal practices regarding the short sale of my property. 

1. OnXX/XX/XXXX after seven months in the short sale review and negotiation process, I received a written short sale counter offer from US Bank in the mail. 
2. The counter offer was to increase the purchase amount to no less than 95,000 and the facts in [ my ] application have remained the same. 
3. I accepted the counteroffer in writing and submitted as requested a valid Purchase Agreement [ ] byXX/XX/XXXX 
4. I included a settlement statement reflecting the conditions of the {$95000.00} price and all else remaining the same. 
5. The consideration for this agreement was an additional {$7700.00} in net proceeds to US Bank over my previous offer.

6. US Banks BPO on the property came back with a {$95000.00} valuation 7. OnXX/XX/XXXX I was informed that US Bank reneged on its own counteroffer noting an investor decision. 

In following up on this news, my attorney and I were told to call XXXX XXXX and discuss the issue with them. XXXX XXXX said because the short sale was in a foreclosure process, they could not talk to us. The agent said that an attorney needed to speak with another attorney at US Bank and referred us to the Legal Department at US Bank. They instructed me to call the toll free number for customer service and ask to speak with the Legal Department. We did that. The customer service agent at US Bank told me that she could not transfer me to the Legal Department because my account was flagged as mortgage assistance point, e.g. in loss mitigation. 

Instead, she transferred me to Loss Mitigation, who transferred me to another associate, who transferred me to one supervisor who transferred to another supervisor, who transferred me to a customer advocacy associate. The customer advocacy associate indicated ( as did the others ) that it was the negotiator who has the communication with the investor. We asked to speak with the negotiators supervisor and were told he would get back to us, but he would probably not be able to help because it was an investor decision. We were told the offer is rejected, but not denied. At that point, the customer advocacy agent advised me to file a complaint with the Consumer Advocacy Department. I did a week ago and have not received even an acknowledgment that the complaint was received. 

My position is that we have a legal and binding contract. US Bank sent me a counter offer, I accepted it and increased the price as consideration.
On XXXX XXXX, 2017 I received a call from a number that I did not recognize. I did not answer the call. Not 30 seconds later the phone rang again with the same number. Again I did not answer. Again not 30 seconds later the phone rang another time. I finally answered it. This was at XXXX XXXX I spoke to a very rude person named XXXX. She said was with Cash Central and asked me for the last 4 digits of my SSN.  She informed me that I had a past due balance of XXXX. I asked why she called three times in a row and she then told me that she could do that and since it was before XXXX XXXX it was in her right to do so. She then went into this lecture about how I needed to pay my bills and if I had just been paid why hadnt I paid this bill. I told her that I did not have the money at that time and she then said " well I think you never intended to pay this. '' Granted I had made several payment to them in the past. This is only a few days past due. The payment was only due on the XX/XX/XXXX. I revoked ACH debits because I thought they were only going to take out a payment of XXXX and they took out a payment of XXXX. XXXX then demanded that I pay the full amount now and that if I did not they would only be forced to take this matter further. She threatened me and then she hung up on me. I called the place back. Got the same XXXX who then pretended to not know who I was. She then proceeded again to demand money and again tell me that I wasnt going to pay anything back. When I revoked the ACH I asked them to only contact me by email. I informed her of that and she told me that I wasnt going to get " special treatment '' and again demanded money by the end of the month and kept pressuring me to set up a payment with my debit card. I then asked to talk to her supervisor. Again very rude, very hateful. I have asked them not to contact me on the phone again. Calling three times in a row at XXXX is rude and disrespectful. The fact that I asked them not to contact me this way in writing and yet they still continue to harass people. XXXX continually threatened me with taking this matter further. It is not even 30 days late. The supervisor then yelled at me over the phone saying that she had other customers to take care of -- after she told me that this was a collections call and not customer service. These people are terrible and threatening that take advantage of people.
I sent letters to Equifax, XXXX and XXXX on XX/XX/XXXX stating that a couple of accounts on my credit report need to be verified. I got an answer back for every account but the bankruptcy. When I called on XX/XX/XXXXI was told that did not get an answer back because I did not pot Wisconsin Bankruptcy. I told them I put what was on my credit reports which was XXXX XXXX XXXX XXXX Docket # XXXX. I was than told that was not acceptable.
I used the ATM in a XXXX store to make a withdrawal. I was alerted that there would be a {$3.00} fee to which I agreed to pay. When I checked my bank account ; instead of there being a {$3.00} amount on a {$140.00} withdrawal for a total of {$140.00} : there was a separate {$1.00} miscellaneous fee also. This fee was not indicated at the time of my withdrawal. If Chase Bank does this with every customer, they are making a ton of money illegally. Please look into this fraudulent practice.
I asked XXXX to investigate my dispute with XXXX. The only thing XXXX does is to send my information to XXXX to investigate. XXXX does not investigate. The only thing XXXX does is to seat on the investigation until the last days and say the report is accurate. XXXX basically sends the same letter with an updated date. XXXX or XXXX has not or will not look at the information I supplied to them. I even asked XXXX to supply me with the time the funds arrived, the time the funds were processed, and the time the funds were accepted for each month. I even asked XXXX to ask XXXX, but I only received some of the months. I have sent more than enough information to prove my payments were on time. As long as XXXX knows they can get away with it they will continue to do it until I will stop filling my complaint towards them. I really believe it is the responsibility of Bureau of Consumer Financial Protection ( BCFP ) and Experian to do a complete and thorough investigation, and not only take the words of one person or company. I have the legal right for this to happen under the Fair Credit Reporting Act ( FCRA ) and the Fair Trade Credit Act ( FTCA ). 
Check/Ref. Number Payment Due Date Date Payment Posted Description Amount Applied Date XXXX Received Time XXXX Received/ Posted XXXX XXXX XXXX ACH/Payment {$1000.00} XXXX XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX XXXX Payment {$1000.00} XXXX XXXX XXXX ACH/Payment {$1000.00} XXXX XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX Payment Reversed - {$1000.00} XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX XXXX ACH/Payment {$1000.00} XXXX XXXX XXXX XXXX Payment {$1100.00} XXXX XXXX XXXX Payment {$1100.00} XXXX XXXX XXXX Payment {$1100.00} XXXX XXXX XXXX Payment {$1100.00} XXXX XXXX XXXX Payment* {$1100.00} XXXX XXXX XXXX PBP/Payment {$1100.00} XXXX XXXX ET XXXX XXXX XXXX Payment* {$1100.00}
I am a victim of identity theft. The inquiries, which appears on my credit report from XXXX XXXXXXXX XXXX dated 1XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX dated XX/XX/XXXX does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
someone hacked my chase debit card in XXXX. I live in XXXX. there was about {$1500.00} in charges. Chase gave me credit for the charges at first then put {$350.00} in charges back on my account. They told me because a card was used with the chip and pin number and that is impossible to duplicate. i offered them proof that i was in XXXX at the time and they said it would do no good and then accused me of giving out my pin number. I sent them a video of 2 police officers showing how these cards are duplicated and how they steal your pin number. Then they told me it doesnt matter it is too late now because they looked into it twice. one charge was for XXXX with {$40.00} cash back at rite aid in XXXX XXXX XXXX on XX/XX/2018. the other charge was at a lowes in XXXX XXXX  for {$200.00} with another {$40.00} cash back on XX/XX/2018. They told me a police report will do no good either. so because of chases incompetence in their security im out {$350.00}. Please help me to recover my money. I already closed all my accounts with them since they can not keep y money safe!
I receive social security benefits thru a pre paid card from social security from a card called direct express..well someone hacked my card for the whole amount of {$760.00} my rent, car note insurance and my food money..they made purchases in other countries.. Noe direct express have given me horrible customer service they told me that i will have to wait 90 days to get this resolved..i cant wait 90 days to investigate.. Direct express is not helping me at all..im in a financial hardship.. I need help please
Once again Ocwen is claiming ownership to the property address XXXX XXXX XXXX. 
I tried for a modification with Ocwen from XXXX. 
I stopped when I found out the loan was a fraud Ocwen has attached the loan to a backdated old debt which is time barr to collect and file a law suit Ocwen put a modification on the home in XXXX and never sent me the papers to sign. I only found out when looking at the statement they sent. I requested the modification papers with signature they could only provide a blank signed paged. 
Ocwen added another modification to the home in XXXX XXXX after telling me I did not meet the dead line of 37 days per their attorney Ocwen approved a modification without my signature again in XXXX. I contacted Ocwen and asked how did they approve a modification without my signature. They apologized and stated it was a good faith modification to help the consumers out. I demanded they remove the modification as their attorney had already admitted in a letter they were not in the origination of the loan. 
Ocwen now has the home for foreclosure and I have not been notified nor did Ocwen. Ocwen is pass the status of limitation to foreclose on the home. I have not sent any payment to Ocwen since XXXX when they stop taking payment as they claim to have obtained the loan via transfer of assignment Ocwen has not been able to prove the transfer chain from the origination of the loan. They are just going to take the home and not follow the laws
I sent my mortgage payment due XXXX XXXX, 2015 to Chase Financial Services, it was received by them on XXXX XXXX, 2 days prior to the due date. Inexplicably and without my permission, they applied the entire payment to principal instead of to my next due payment ( XXXX XXXX ). Then they recorded my XXXX XXXX payment as delinquent and applied a late fee on XXXX XXXX. I received the first notice of this when I got home from work on XXXX XXXX and found a message from Chase advising me to call them. I immediately went to their website to verify they had received my payment. It was then that I learned they had misapplied my payment. I immediately called Chase and demanded to speak to a manager. With some difficulty and more time than it should have taken I was finally transferred to someone who identified herself as in the escalation department. I explained the situation, along with my anger and frustration that they would do this. She finally admitted Chase had made an error and they would fix it. I demanded a written explanation of what transpired along with an acknowledgment that my payment had not been received late, indeed two days early. She said she would fix the situation, request the letter and call me back. The next day, XXXX XXXX, she called again and tried to excuse the misapplication of the payment since they had received two payments from me in XX/XX/XXXX, namely my XX/XX/XXXX payment which they received at the beginning of the month, and the XXXX payment they received XXXX XXXX. I cut her off telling her I did not want to hear excuses, only that the situation had been remedied. She said they were working on it but they did n't have a letter they could send me. I told her the steps they took to remedy, as well as an acknowledgment that Chase had erred and my payment was never late MUST be in writing. I then terminated the call.
I mailed a second dispute letter and proof of payment ( a copy of my money order ) to Experian on XXXX XXXX, 2017 for the collection reported from XXXX XXXX XXXX. Acct # XXXX for a balance of {$310.00}. I advised that I paid the apartment complex directly and found a copy of the money order that I gave to the manager and she cashed it. I was a previous employee at the apartment complex and the manager did not notify of the balance per lease contract within 15 days. She mailed it out over 30 days later. Once I received it, I paid it. Experian sent a letter today, XXXX XXXX that it is reporting correctly and it is not. In fact, I submitted the same to another credit bureau, they investigated, and deleted this item. It should not be reporting on my Experian credit report.
I have been receiving robocalls from this company Apex Solutions. On Monday, XX/XX/2017, I received a voice mail from this company. It was a man 's voice and he stated ( I believe this was the middle of the conversation ), " full restitution. This will lead to your last known employer being contacted and will affect any current deposit accounts you may be using. '' The man then left a phone number and repeated it twice. I called the number on Wednesday, XX/XX/2017 and spoke to a lady that did not give me her name. I asked about the threatening voice mail and she said it is a prerecorded message. I asked her do they use this to call all people who have a debt? I told her it was a threatening voice mail and she hung up on me. The call back number is XXXX. They are collecting a debt for XXXX. I believe this debt may have been discharged in bankruptcy court. I have saved the voice mail and can email or text it. This company calls 2 or more times a day.
Experian is not responding to my requests to investigate and remove XXXX account from my credit report that does not belong to me.
I have been disputing a Chapter XXXX Bankruptcy with LexisNexis since XX/XX/18 and have sent multiple letters asking for verification. LexisNexis ' last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ), that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. As I said, I provided them with a letter from the US Bankruptcy Court in XXXX, NY which clearly stated that they do not provide any information to the credit bureaus. Furthermore, PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, LexisNexis ' claim that their subscription to PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, ( XXXX XXXX XXXX ) is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance. 

I also addressed TWO letters to their CEO, XXXX XXXX which went unanswered, therefore, he is aware of what his company is doing. There have been Class Action Lawsuits regarding this very practice and in all likelihood there will be more.
On XX/XX/XXXX I did transfer to XXXX LTC now worth over $ 180K from coinbase to my Ledger wallet, Coinbase time frame is 3 business days, today is the XX/XX/XXXX and trx still showing pending. I tried to contact their support 5 times but of course for scam company no one responds! I think this company does n't have the coins it claims to have on their platform, they use consumer money to make money then who knows if they file bankruptcy and XXXX the consumer in the XXXX! 
Case ID : XXXX Created : XX/XX/XXXX XXXX PSTTransfer ID : XXXX Sent to address : XXXX