WillisBack/dataset-financial-user-claim huggingface dataset:
PNC is my bank, and they are not SHOWING THE CHECK NUMBERS WHEN i WRITE A CHECK!! I WRITE CHECKS THAT ARE PROCESSED ELECTRONICALLY, FOR EXAMPLE TO XXXX   XXXX AND XXXX. 
THEY ARE NOT SHOWING THE CHECK NUMBERS WHEN I ACCESS MY ACCOUONT ON THEIR WEBSITE!! THIS IS FRAUD, I ABSOLUTELY NEED TO SEE THE CHECK NUMBERS TO KEEP MY CHECK BOOK IN ORDER! A check just came through today with a number on it through XXXX XXXX, and it was written a month ago!! 
One of them is responsible for this fraud!! XXXX XXXX XXXX checks always go through with a couple days because they are processed electronically. 
However, I CAN NEVER, EVER SEE THE CHECK NUMBERS TO VERIFY THAT IT WAS INDEED THE CORRECT CHECK THAT i WROTE! 
aND PNC PULLED ANOTHER STUNT THIS PAST WEEK, I DEPOSITED TWO CHECKS, AND A FAMILY MEMBER WAS IN THE HOSPITAL. THEY ASSURED ME THAT THEY WOULD CLEAR, AND I WOULD HAVE NO FEES, THE NEXT DAY ON XX/XX/XXXX, THERE WERE FOUR FEES!! I HAD TO BEG AND PLEAD WITH THEM TO REFUND THE FEES! THEY ARE NOT GIVING ME CORRECT INFORMATION, I AM ALREADY UNDER A MASSIVE AMOUNT OF STRESS, I DO NOT NEED THIS FROM THEM ALSO. IT WAS AN ABSOLUTELY HORRID EXPERIENCE THAT THEY PUT ME THROUGH! THEY NEED TO BE INVESTIGATED AND FINED! AND THEY CAN NOT WITHOLD THE CHECK NUMBERS FROM ME FROM WRITING CHECKS THAT GO THROUGH ELECTRONICALLY.
Called claiming that I owed {$2000.00}. I asked for verification of debt, he said he did n't have to provide that. I asked for his name, he said 'I told you my name at the beginning of the call '. I asked for the company he worked for, he said 'Worldwide Asset Recovery '. I asked for the account number for the account he was referring to he said, 'you do n't know what bills you owe? '. 

He continually interrupted and would not answer the questions required by law. He said he was not required to provide any of the information I requested.
Hello dear Cfpb I applied Gold Card with barclays when i called to ask status i was asked to supply verification documents which i did, after couple days i called to get information about status of my application. I was very disappointed to be informed my application was turned down even though i have flawless credit and very good relationship with Barclays Bank and i have great income. I asked to speak manager his name was XXXX with operator ID number XXXX he asked me about why i have inquires so many and i respond that its not accurate i do not have inquiries at all and in fact i did not have any in my XXXX  credit file until you pulled it and placed hard inquiry in my credit. Long story short i think there is some bias and double standards with this bank and i want fair resolution please. 

Thank you Best Regards
In 2004, I took out a student loan through Key Bank, for XXXX University. After XXXX getting a job, I made payments ( an occasional forbearance or college coursework default ) for about 4 years. Then, after losing a job and becoming late on some payments after XXXX, they suggested I put my loan in my last economic hardship forbearance around XXXX ( 6 months of no payment ) I agreed. The next month I got another bill. They said they back dated my forbearance and I still would need me to pay for the rest of the loan, monthly, starting the same month I applied for my forbearance. I knew I had been taken advantage of but could not do anything. They called reguarly for another month for money ( that I didnt have since being placed on unemployment ) and after not having a payment said they were going to charge it off, unless I came up with 10,000 dollars. They hit my credit report the whole time and have since then put the charge off date as late as possible to stay on my credit report as long as they can ( I diputed them and have to write each agency to update information ). The money I paid did n't account for anything, the last of my XXXX forbearances did not count and from the time they said it was charged off to the date on my credit report was wrong. For the past 2-3 years it has hurt my credit and will continue too, for XXXX more. I XXXX when I was XXXX, had XXXX okay job, from college, that did n't fit, now, I am XXXX, trying to be a XXXX, that at XXXX, will not have a chance at a house, business or car loan for at least a half of a decade!
XXXX is an account that I acquired due to a student loan. It is currently reporting as an unknown item on my credit report. They are three different accounts. I have asked that they be combined, but they have stated that they are unable to combine them into one account. Therefore, for the last four months I have been making payments to all three accounts. {$100.00}, {$25.00} and {$25.00}. I was only able to afford {$200.00} extra in my budget. But the payments have come consistently and they have accepted them. Not only have I paid them for the last four months consistently, it has come at the same time every month. 

After the second payment, I received an alert that the account was reported as negative again. This alarmed me because I had made two payments consistently. I contacted XXXX and asked why they hadnt reported making payments or paid as agreed. They informed me that the credit bureaus needed to report it that way. But after the third month, it again reported it the same way -- -- a negative status. 

Not only have I reached out to XXXX regarding this, but I have also reached out to the three major credit bureaus. They only report the payment going lower and not the payment itself. 

This reporting has caused my credit report to continue to decline in numbers. I am requesting that this be resolved immediately. The payment should be as follows : XXXX. XXXX -- - XXXX XXXX/XXXX/XXXX {$25.00} XXXX. XXXX -- - XXXX XXXX/XXXX/XXXX {$25.00} XXXX. XXXX -- XXXX XXXX {$100.00} In addition, this is reported wrong. It should be categorized as a student loan, not other.
I went to Navient 's website and click through the repayment options, their website came back with a estimated payment of roughly {$400.00}, which is doable for me right now. Their website then directed me to the studentloans.gov page to complete the paperwork. When that came back a couple of days later the payment was close to {$700.00}. I called Navient to say that 's not what I agreed too and that 's not what I want. They refused to do anything unless I gave them {$500.00}, I felt like I was being shaken down by the mafia. They have a option I can afford, but are strong-arming {$500.00} out of me to get to the payment their website said it would be.
I have no idea where or who this XXXX XXXX came from because I have never been nor do I know who this XXXX XXXX person is!!!.???
Mortgage Servicer : XXXX XXXX ( Mid First Bank ) My home flooded in Hurricane Harvey and took 14 months to rebuild. Previous mortgage servicer ( XXXX ) had me in a short sale program, even though the property was completely destroyed and being rebuilt at the time. At conclusion of their marketing requirement, my mortgage was sold to XXXX XXXX. For the last 5 months, XXXX has had me following the short sale procedures. Now that I have an offer for full market value, they are telling me that I do not qualify for a short sale because my credit score is too high and have to apply for mortgage assistance first. They are now foreclosing on me even though I have an offer, since it is an FHA-insured loan and the FHA will make them whole regardless. I've spoken with a HUD counselor and my attorney -- it appears XXXX is just trying to get the FHA to pay.
" " '' I have disputed this collection on this XXXX XXXX & XXXX  XXXX for months.XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
On XXXX XXXX, XXXX our legal counsel, XXXX XXXX, sent a demand letter ( via Electronic and U.S. Mail ) to Citibank, N.A.outlining Citibank 's negligence in their handling of our HELOC and asking Citibank to take the necessary steps to rectify the negative and harmful consequences we have suffered ( loss of credit capacity, loss of credit expectancy, and loss of credit reputation, increased out of pocket expenses ). Citibank has yet to respond to the demand letter, as outlined by Federal law which requires a response within 30 days. 
On XXXX XXXX, XXXX we sent, via fax, an additional demand letter to Citibank which has yet to see a response.
A purchase was made using my credit card. The purchase went through as a cash advance and I was charged {$52.00} in cash advance fees. i had previously requested that my cash advance fee be removed/reduced to XXXX. i made this request upon the account being opened. Had the cash advance fee been reduced to XXXX at the time of my request, I would have not incurred this charge. I have tried explaining this to customer service service representatives on several occasions, but to know avail, with the majority of representatives making up false facts about how credit cards work and are used, and avoiding the fact that a request to remove the cash advance feature had previously been requested and was not fulfilled. Furthermore, as I had mentioned to the representatives, there was no way of me knowing that the transaction would be processed as a cash advance, as I did not use my pin and it was simple purchase.
I received 4 gift cards from XXXX when I referred a friend who switched to XXXX with 4 phones. Each card was worth {$50.00}. I do not remember the exact date when I received the cards but it was a few months ago. I noticed on the cards that they all are " valid thru XXXX. '' Also on the cards was American Express. I had {$200.00} sitting in my 'bank ' ( file cabinet ) and saw no urgency to use them immediately since they were good until the above date. On XXXX XXXX I decided to use one card when my brother and I went out for breakfast. The bill was for {$23.00}. I did n't think much about it until I got home and noticed a line on the receipt that showed my balance as {$8.00}. What! {$18.00} short of what it should have been. I called American Express ( AE ) and next thing I knew I was on the phone with XXXX. I explained that AE had switched me to her and she was very gracious in offering the {$18.00} as a refund in the form of lowering my phone bill for the month by {$18.00}. She also changed my plan to one with more data for less money per month. Now THAT is customer service! I thought that was the end of the gift card fiasco. But Nooo. Exactly one week later, XXXX XXXX, out to breakfast again with a friend, I gave the cashier the card explaining it was worth {$8.00} and I would pay cash for the balance. She replied that it was only worth {$5.00}. Another {$3.00} was taken from my card. Now I was furious. I called AE this time, understanding that XXXX had nothing to do with this 'theft '. The person on the phone, who I could hardly understand because they spoke a different native language than I do, told me that after 6 months they start taking {$3.00} a month from my card, as stated that on the back of the card. So I checked it out. But also on their card it specifically states that " FUNDS DO NOT EXPIRE. '' My dictionary is an old one, from my college days, but I think the definition of 'expire ' remains the same ... '' to die out ''. AE is killing MY money! I requested to speak to a supervisor and got nothing but a run around. They actually sent me back to XXXX. I tried calling AE one last time and the same thing happened. Now I have talked to many 'supervisors ' on the telephone but AE is the first company I have ever had conversation with that refused to switch me to a 'higher up '. I then checked the 'balance ' of the other 3 gift cards and AE had 'stolen ' a total of {$84.00} from me. In another 3 weeks or so they probably will do that again. That is what drove me to my attorney and he sent this link to me. I have several cards. A couple debit cards, and several credit cards. I do not have a large credit card debt but I use the cards to transfer balances and currently will be paying 0 % interest for the next 18 months. The only reason I mention this is that, while I have many cards, I can not remember ever reading anything on the back of any of my cards. I have never needed to and it has never come back to bite me in the XXXX like AE has done to me. This is a despicable way to do business.
My truck payments is 37 days late and the buy here pay here dealership will not entertain making payment arrangements and are aggressively pursuing repossession with a hired collection agency : Rockmore & Rockmore ( spelling? ) out of Texas. Rockmore has now called my place of employment and my mother 's cell phone, without even reaching out to me first to discuss. I have made arrangements with the dealership but they are not communicating this, or any other interactions we have had, to the collection agency.
I am recieving threatening documents from midland funding to garnish my pay checks for a debt that is over 10 years old.
On XX/XX/XXXX I received a letter stating that I owed an amount of {$1100.00}. I disputed the debt by mail XX/XX/XXXX. I never received any information confirming the debt and by XX/XX/XXXX, this collection company reported this debt on my credit report. This debt was actually a part of a civil case that had not yet been discharged. The civil case has since taken place and it was determined that it is Consumer Fraud. This Credit collection agency violated my rights by not sending me any information confirming the validity of the debt that I disputed.
In XXXX, I sent a letter to Equifax asking them to investigate mistakes on my credit report. Its been almost two months since I sent in my letter. I 've even sent follow-up letters to them, and they still have n't responded.
Calls from both XXXX and XXXX claiming to be ERG and threatening legal action without providing any proof of debit or stating what the amount of the debit is.
I arrived home at XXXX XXXX XXXX XXXX, XXXX, NC to find another notice stating my home is being considered " Abandoned/Vacant ''. Is this some sort of ploy by the mortgage company to avoid responding in writing to complaint Case number : XXXX? They are threatening to remove my locks again and lock me out of my home on the grounds that it is " Abandoned/Vacant ''. How can they keep doing this?
On XX/XX/XXXX and XXXX, XXXX, Quicken Loans pulled my credit report without my knowledge or authorization to do so. I found out just this year, XXXX, that the inquiries were on my report and I got a hold of Quicken Loans immediately. They asked for a letter from me stating that I did not authorize such a credit pull, which I provided. I want disciplinary measures taken toward Quicken Loans and the mortgage loan officer who pulled my credit report twice without any sort of authorization by me whatsoever. They fraudulently obtained my credit information without my expressed consent and there should be repercussions. I was told today, XX/XX/XXXX, by XXXX XXXX, representative for Quicken Loans, that the inquiries will be taken off my credit report with no direct date of this noted. XXXX did take XX/XX/XXXX, off because it was a repeat of the one Quicken also pulled on XX/XX/XXXX. As of this date, the pull on XX/XX/XXXX, is still on my credit report.
I am an XXXX service member. In either XX/XX/XXXX or XX/XX/XXXX I received a collection notice from Convergent Outsourcing, who 's address is somewhat confusing and seems to be in violation of the 3rd party notification in the FDCPA section 807 ( 14 ). Meaning the return address is from XXXX in XXXX, XXXX, yet an address for Convergent Outsourcing is also printed on the notice with a XXXX, XXXX address. The complaint I have is that the collection that they are trying to collect is fraudulent and was proven so by the State Attorney General ( SAG ) in XXXX XX/XX/XXXX. In my response to that first notice sent by Convergent, I told them that the claim by XXXX had been investigated XX/XX/XXXX along with many others by the State Attorney General in XXXX after I was contacted by Asst SAG XXXX XXXX ( XXXX XXXX, XXXX office ), after the SAG launched an investigation due to a news cast done by XXXX XXXX in XXXX, as many XXXX residents had complained about receiving collection entries on their credit report from XXXX for accounts they did n't have. XXXX XXXX contacted me personally because although I was unaware of the XXXX XXXX broadcast, I had just submitted a compliant to SAG concerning XXXX after learning when trying to purchased a home, XXXX had made XXXX collection entries to my credit reports that I had disputed but received no cooperation from XXXX. I also reminded Convergent that if I had owed such monies, efforts for me to pay these monies were well past the statue of limitations time. I also asked Convergent to verify this debt, and to remove any and all transactions concerning this fraudulent debt from my credit reports if they had made such entries. I have yet to receive any validation, which I did n't expect to as there is none. However, I did receive an additional collection " settlement in full '' offer letter from Convergent dated XX/XX/XXXX for {$410.00}. They totally have disregarded my communication with them concerning this proven fraudulent debt by still insisting I have it and asking me to pay it. I will forward this same complaint with the XXXX in the state of XXXX and XXXX ( got the XXXX address info from an attorney site- XXXX ) as it seems Convergent has many addresses that they use. As I stated above I 'm an XXXX service member and have been for past XXXX years of my life, and to be hounded by a USA company who seems to cater to unethical practices is well ... a crime and XXXX shame!
XXXX XXXX worked with me and updated my file to current status, yet Equifax keeps reporting inaccurately. Every time I file a dispute with Equifax, this company either update as being reported correctly or find other ways to decrease my scores. Other reporting agencies seemingly take the matter serious whenever I file a dispute because they either update or removed. Equifax is currently reporting items that are passed the time frame that items can remain on file. I would like for you to review my entire credit files for accuracy.
My refinanced mortgage loan is a non-escrowed account, per the loan documents. 

Freedom Mortgage began escrowing the account for property taxes in XXXX 2017, because it claimed that I had unpaid taxes. I had no unpaid taxes. My taxes were paid on time and I sent the proof to Freedom Mortgage. 

Over the past 12 months, I have attempted to delete the escrow account and revert the account back to have borrower paid property tax. Freedom Mortgage has refused to honor my request. 

Freedom Mortgage has also underpaid the property taxes, which caused fees and interest to accrue and the home to go into tax title. Then, Freedom Mortgage added the fees and interest to the escrow account.
Stating on my credit report that I " Remarks : & gt ; SETTLED-LESS THAN FULL XXXX & lt ; ; & gt ; PAID COLLECTION & lt ; '' I have never paid this company a dime of my hard earned money for a account that is not mine.
On XX/XX/2018, I spoke with a representative from Blackwater Capital Group, by the name of XXXX XXXX. She contacted me regarding a debt owed to company called XXXX XXXX. She told me that a court case had been filed in XXXX XXXX regarding this debt. However, she told me that it could be dropped if I pay the debt immediately. We discussed a payment date of XX/XX/2018. 
This morning, XXXX XXXX contacted my brother regarding this debt. She gave him personal information about this debt. She told him that they were now going to file a judgement against me, this time in XXXX XXXX and that if I didn't pay this debt, they would cancel my drivers license. This is completely unacceptable. She had no reason to contact my brother, as she had my phone number and I had even given her an updated address. This violates the law. 
XXXX XXXX phone number is XXXX XXXX ext XXXX.
Despite no request for a change in address, all correspondence is being sent solely to the borrower 's attorney. On XXXX XXXX, 2015, borrower 's attorney contacted GreenTree to request that all correspondence be sent to the borrower. The borrower herself made the same request to GreenTree the next day. On XXXX XXXX, 2015, the borrower 's attorney emailed GreenTree 's attorney in the foreclosure action, and made the same request. GreenTree 's attorney responded that he had raised the issue with his client and would follow up when they responded. Today, the borrower 's attorney received documents dated XXXX XXXX, 2015 once again solely addressed to the attorney. The borrower is distressed that she is not receiving any correspondence from GreenTree herself, despite our repeated requests. GreenTree should never cease correspondence with borrowers unless specifically requested by the borrower.
Wells fargo dealer services, fraudulent activity used to puchase vehicle,XX/XX/XXXX XXXX XXXX, fraudulent activity used to purchase vehicle.XX/XX/XXXX
On XX/XX/XXXX Citibank assessed an annual fee of {$450.00} on my AAdvantage credit card. On XX/XX/XXXX Citibank unilaterally closed all of my accounts. When I called to have the annual fee reversed, I was told to wait 1-2 billing cycles. I did and the fee still has not been reversed despite numerous requests through Customer Service.
Bank of Ameri ca Privacy Assist r eports the  XXXX  credit bureau scores on their service website. They represent that the scores are ones  XXXX ,  XXXX , and  XXXX  scores. THE SCORES ARE NOT THE CORRECT SCORES although they title them as such. I used their service to try to improve my credit prior to applying for a loan using the exact same bureau scores, but when the lender pulled them and when I pulled them from the  XXXX  companies, the scores provided by Bank of America were a fraudulent misrepresentation and were not the  XXXX  scores provided by the bureaus. When I contacted privacy assist, they said the scores are " educational '' and not the real scores. I have been paying for the service for years for the purpose of monitoring my ACTUAL scores from the  XXXX  bureaus only to come to find out years later that they are fraudulently misrepresenting the scores of the bureaus in what I believe to be a " feel good '' fashion although they are not correct. If Bank of America wanted to provide me " educational scores '' they should have titled the scores as such and not used the bureaus names in the scoring. I WANT MY MONEY BACK!!!