WillisBack/dataset-financial-user-claim huggingface dataset:
On  XXXX   XXXX ,  XXXX , I had a loss in my home and reported it to  XXXX   XXXX  ; which was my homeowners insurance carrier at that time. A gentleman came out to assess the damage by the name of  XXXX   XXXX   (  which you will find the estimate attached ), A check was sent to me from  PNC  Bank for me to SIGN ONLY AND TO RETURN THE SIGNED CHECK BACK TO  PNC  BANK  ( f or which I did in  XXXX  ).     Sometime in  XXXX  of  XXXX , I had the work completed and sent the necessary repair papers in the mail to  PNC  Bank  (  the first time I sent the papers in I never heard anything back from them ). I processed to call them and was told that they had not received them. I resubmitted the papers again and again ; and there was always a problem with  PNC  Bank kept losing or misplacing my paper work. The last time I resubmitted the paperwork was in  XXXX , it is now  XXXX  and  PNC  Bank is still holding my check.     I received a letter from PNC Bank on  XXXX   XXXX ,  XXXX , stating that they had just been notified of an insurance loss that happened in  XXXX . When I was told in  XXXX , that it was being held in a special account  (  the interest rate should be high for  seven years ).     I have looked everywhere for the paper work from seven years ago. Now that PNC Bank has transferred my account to    XXXX  , WHERE IS MY MONEY FOR MY LOSS??????     PCN put a lien on my home for {$5000.00} dollars ; since my account has been transferred ; did n't  XXXX  pay them off???
I am concerned w  ith two things regarding Synchrong Bank.
# 1 The envelope they sent to an incorrect address, this address is a family member 's house, but not my address.
# 2 The Envelope contains various FDCPA/RFDCPA Envelope Violations. 15 U.S. Code 1692f ( 8 ) # 3. Please see attached letter request, waiting for a response from Synchrony Bank.
15 U.S. Code 1692f ( 8 ) - Unfair practices. Using any language or symbol, other than the debt collectors / creditor 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. Please find the burden of proof attached.
I do n't wish to litigate this matter, but I would be entitled to {$1000.00} in statutory damages at the very least and attorney fees should this matter not be resolved in a timely m  anner by synchrony bank.
XXXX, XXXX ; Application submitted to PNC Bank for a {$200000.00} Home Equity Line of Credit. Bank instructed that should there be any doubt as to approval that the application should be withdrawn and be reported simply as an Inquiry to any Credit Reporting Agency. PNC agreed to those terms. 

PNC requested 2 years of income tax returns. I submitted the latest 2 returns that had been filed with the IRS ( XXXX & XXXX ). The year XXXX had not, as yet, been filed but was available as soon as it would be filed ( in XXXX, XXXX ). 

Against our agreement, PNC declined my application ( see attached PNC letter of XXXX/XXXX/XXXX ). I immediately responded by my attached letter of XXXX/XXXX/XXXX, which is self-explanatory. 

After 6 months of telephone calls and written correspondence that failed to be responsive to my letter, I received a telephone call from a Retail Escalation Manager to advise me that PNC 's report to Credit Reporting Agencies could not be changed to reflect a simply Inquiry and that the file was Closed for re-consideration and could not be re-opened because too much time had elapsed. 

My Credit Rating of XXXX, and the fact that the amount of elapsed time was due to PNC 's failure to respond timely to my letter of XXXX/XXXX/XXXX did not sway the Retail Escalation Manager. For the record, please note that my XXXX/XXXX/XXXX letter clearly alerted PNC of " Time being of the essence '' in my demand for their response. 

PNC 's inflexible posture is unconscionable and not in good faith. Their suggestion that I submit a new application is not acceptable to me because of the way that PNC botched their dealing with me.
XX/XX/XXXX and XX/XX/XXXX EdFinancial has XXXX loans listed that are being marked as 120 days past due. XX/XX/XXXX they sold these XXXX accounts to XXXX who are ACCURATELY reporting the loans as current for those months. I possess XXXX students loans and none of them have entered repayment ever as I have been a XXXX since XX/XX/XXXX and had periods of XXXX. I tried to explain this to them and even offered my enrollment history from the NLSDS site which covers the timeframe in question. They have refused to accept this as proof I was enrolled. Meanwhile this just hit my credit report today reported by Transunion as a deliquency. EDFINANCIAL cant report on them because they dont own the loans, but they have never been in repayment. They have been uncooperative and refuse my verification proof.
I was affected by hurricane XXXX and the bank AmeriHome Mortgage Company , LLC said it could take 3 months without making payments and they would not charge a later fee. 

I did have been trying to pay them but their online system says I am not eligible to make a payment and it will not allow me to pay. It 's been like this for 3 months now. 

I have to call them on the phone now and make they payment, the charge me XXXX dollars each time. 

They charged me XXXX dollar for my last payment but they never took the money out of my account, I called them last week to ask about why they have not taken the money from my account, and they said on their system it shows that I 've paid. 

Now, I just got a foreclosure letter in the mail. 

I't seem they are purposely trying to foreclose by purposely not accepting my payment and making supper difficult to make payments. 

I even mailed them a check that they deposited then send me a check from them back and says I still owe money I already send them and charged me late fees.
I have a current mortgage with Carrington Mortgage. I have been paying additional payments monthly towards reducing the principal in addition to my monthly mortgage payment. I have received numerous calls and requests to redo my mortgage citing the additional principal payment as the motivation for these solicitations. Last month I gave in to numerous calls from an employee named XXXX @ XXXX who claimed that he could refinance the mortgage and provide me substantial savings. I agreed to let him show me the numbers and he said that to give me the information, he would need access to my credit scores. I agreed to the inquiry and received a lengthy document that I scanned to see just the numbers which did not show a substantial savings. He called after I received the papers and I told him that I did n't want to change anything about my mortgage and I did n't want to refinance. He was aggressive and pushy and I was definite about not refinancing. I received a letter several days after our conversation which was a document " Statement of Credit Denial, Termination, or Change '' described the description of Account, Transaction or Requested Credit as " Obtain residential mortgage financing '', and description of Action taken as " Application withdrawn '' .. I NEVER applied for a mortgage. I was told by a lawyer that this would reflect negatively on my credit and indeed I have copies of the credit reports which state the same. I want Carrington Mortgage to rescind the letter from any credit reporting agency. I should n't have to explain to any potential lending institution that I never took funds from this loan application, because there was never an application made. This action by Carrington Mortgage puts them in the class of XXXX XXXX who sets up accounts unbeknownst to their customers and then charges them interest. I will not be happy until I have in writing that this aggression has been reversed and that I will not have to explain away the actions of my mortgage company through no fault of my own. I never agreed to, signed nor requested mortgage refinancing. It tells me that the way I am paying off my mortgage must be in my best interest, because the company certainly does n't do so.
I filed a dispute with Equifax because of inquiries I saw on XXXX XXXX that were not mine. Immediately the next day I receive a report from Equifax stating the inquiries are factual and mine. There was no way less that twenty-four hours of submitting the inquiry dispute for XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX could have been disputed that quickly. I have the right under the FCRA to dispute with the credit bureaus any inaccuracies. I already contacted the organizations which also directs you back to the credit bureaus. Equifax is refusing to dispute on my behalf. I submitted twice and they sent the same message immediately saying the inquiries belong to me when they do not.
failure to abide by fcra. 
continued failure to comply w previous complaints. 
continued " updated '' files which canot be proven accurate and nothing was sent my way from either the bureau or these companies within 30 day limitation. 

refuses to remove all reported adverse accounts. 
refuses to remove accts closed under fraud statute which should be deleted. 
accepts fraud from companies violationg cardholder agreements etc.
PER reg cc regulations banks are required to give adequate notice on availability of funds. Capital One bank does give such information. Per reg cc it clearly states what are next day available items for deposit. Per reg cc a bank is also supposed to inform you of a hold.
The cbc Innovis have refused to provide all personal reporting that has been done on me. I have contacted the beaua a total of 7 times. Each time I call they say that i must call back even within business hours. It unfair to hold information that bring me to a stand still in life. No fairness to all.
I opened a " Premier Checking " account with Webster bank in XX/XX/XXXX with promo code " XX/XX/XXXXPremier {$350.00} '' for {$350.00} sign up bonus. 
Upon inquiring about the bonus status I was told on Date XX/XX/XXXX via Secure message " Thank you for your recent email to Webster Online Services regarding a promotional credit.We have reviewed your account and show that it was opened under our XX/XX/XXXX-XX/XX/XXXXPremier {$350.00}  promotion. We have confirmed that you have qualified for the promotional credit by maintaining an average balance of {$10000.00} or more during the month ending XX/XX/XXXX.Your account will be credited the {$350.00} promotional credit on XX/XX/XXXX, as long as the account is still a Premier Checking account at that time, and is in good standing on that date. This means that the account must have a positive balance and not in the process of being closed.If you have any additional questions or comments please contact us through www.websteronline.com or call us directly at XXXX, 24 hours a day, 7 days a week.Thanks again for your email and for allowing Webster to serve your banking needs.Sincerely, XXXX XXXX.Customer Service '' HOWEVER THE ACCOUNT WAS N'T CREDITED AS PROMISED. 

Upon second inquiry via secure message now I am being told that there is no estimated date for crediting the account. 

This is clearly in contrast with the first information via secure message. 

I would like to file a complaint for this misleading information and would like to request that my account is credited {$350.00} at the earliest as promised. 

Thank you.
Lease company saysXX/XX/XXXX payment 30 days past due, which is incorrect. Tried contact company several times but did not resolve. Tried disputing thru XXXX XXXX  but did not resolve. Have proof that payment was made on time. This 30 day negative remark have ruin my excellent payment history causing my score to tumble 37 points As you can see on the statement their was a problem on their system that cause a reversal on XX/XX/17, then payment was accepted that cause this problem
A 3rd party company ( equitable acceptance corporation ) reached out to me and told me that I can get cheaper student loan payments if I let the reconcilidate my loans for me. This company has charged me close to {$2000.00} for something that I am finding out that I could have done on my own. I have attempted to cancel this agreement with the company and they told me that I was able to get such low rates because they negotiated with federal student loan on my behalf. I have reached out to federal student loan and they explained to me that this is not true and I would have gotten this monthly rate regardless. I am extremely frustrated because this 3rd party company is refusing to cancel this agreeemwnt and have been giving me false information
Transunion added previously deleted inquiries from my credit report and a couple of weeks later, those same deleted inquiries were placed back on my file. I spoke with several representatives and they advised that they experienced a glitch and that they will take care of those previously deleted inquiries. I recently pulled my report and found that they were not removed as promised.
Dear XXXX, This letter is a formal complaint that you are reporting inaccurate credit information. The account is closed and paid in full. It has been over 7 years since the account was open. Therefore, I am asking for you to remove this item immediately. 
In the month of XX/XX/XXXX, it was reported that I was 60 days late on my XXXX account. This was reported to all 3 credit bureaus. 
With proof I am attaching documentation that I enrolled in school at XXXX ( XXXX ) XX/XX/XXXX -XX/XX/XXXX and my account should have been in -school deferment. When you are enrolled in school at least half-time you are able to request an in-school deferment. However, I did have to drop with my international travels. Furthermore, I did n't receive any written communications about this matter because I was out of country from XX/XX/XXXX to XX/XX/XXXX for work. Upon returning to the country I spoke with several customer service representatives who stated that they would remove the late payments since my account should have been in forbearance ( Please see page 2 ) from XX/XX/XXXX and XX/XX/XXXX. In addition, I was enrolled in XXXX during this time. 
Therefore my account was in forbearance and payments were not due at this time. However, I have called XXXX and emailed numerous times to get this matter resolved. I was assured that it was resolved until I received a copy of my credit report. Unfortunately, this matter has not been resolved. I am sure you will agree it needs to be removed ASAP. The following information therefore needs to be verified and deleted from the report as soon as possible : XXXX XXXX ... 
Sincerely,
XXXX XXXX XXXX ( XXXX  ) account # XXXX high limit of {$500.00} account is closed and is reporting as pays as agreed, incorrect reporting status per FCRA and Metro 2 reporting compliance standards XXXX XXXX XXXX account # XXXX high balance of {$430000.00} and balance of {$670000.00}? how is my balance more than my high balance. This is reporting in error per the FCRA and Metro 2 reporting compliance mandates. Payment grid showing 120 day lates, No 30, 60, 90 XXXX  Account # XXXX amount is {$430000.00} only reported on transunion and should be reporting on all 3, incomplete data reporting in error and illegal.

all 3 accounts have incomplete account numbers. This is a violation of the the FCRA and metro 2 reporting compliance standards mandates..
Scottrade : I am writing to request clarification on the recent data breach. I opened a custodial account with my son in 2012. This account remained open. Could you please clarify if my account was part of the data breach and if so, what unencrypted information was released.
In XX/XX/XXXX, my XXXX XXXX was repossessed. I recently pulled my credit report to find a negative item from the lender in the amount of {$7200.00}. I sent them a certified letter which was received by them on XX/XX/XXXX requesting copies of all legal documents pertaining to this vehicle purchase and the subsequent repossession. 

Under the laws of the State of Georgia UCC 9.506 and State RISA and MVISA statues a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. 

The lender responded with a letter dated XX/XX/XXXX and received by me on XX/XX/XXXX which outlines this event and included some but not ALL of the requested documents. In addition to not sending any of the documents letting me know PRIOR to the repossession that was the manner they were electing to settle the matter, but the subsequent documents dated XX/XX/XXXX and XX/XX/XXXX were sent to an address that I have never resided and furthermore is not listed anywhere on my credit file. The sent no matter of clarification as to where they got this information, nor did they provide for me documents concerning the actual removal of the vehicle. 

The actual repossession incident, the tow truck driver committed a " breach of the peace '' by threatening my elderly Aunt with having her vehicle towed as well ( the driveway is small and she was parked ) at approximately XXXX XXXX XXXX XXXX. The lender has provided no information concerning the actual removal of the vehicle. 

I spoke with a representative with XXXX and made very clear which documents I was requesting on two separate occasions but attached is all that I received. 

In addition, the request was received by XXXX  on XX/XX/XXXX in which I requested all documents within 14 days. Their letter was postmarked XX/XX/XXXX and I had to call and speak with the agent on XX/XX/XXXX again requesting whatever documentation they had. 

In addition XXXX has posted to my credit reports a balance of {$7200.00}, yet the documents they sent me show a balance of {$6900.00} and they provided no additional documentation explaining the difference in balances. 

I have sent written disputes to all three credit reporting agencies on two separate occassions requesting that that VERIFY this account. In each case the agencies responded saying that the account is correct and valid. Upon reviewing my credit reports today XX/XX/XXXX I noticed that the last activity on this account was XX/XX/XXXX for XXXX, XX/XX/XXXX XXXX and Experian didn't list a last activity date ... which leads me to conclude that these companies in fact DID NOT actually verify or even make a reasonable effort to investigate this account. 

This vehicle was sold to me in a high pressure situation where I was told a different payment and interest rate than what was on the paperwork. In addition I was also told that I had to sign the paperwork b/c the title was already completed and that I was already in breach of contract, as well as I would be able to get a lower rate and payment in 30 days ... at the time I took them at their word, but I obviously now know better.
I just checked my current credit report, and I realized I was hit with a HARD inquiry back on XX/XX/2017 by this company : CBC INNOVIS, Mailing address at XXXX XXXX XXXX XXXX, PA XXXX. 

I don't ever recall doing an inquiry of some sort what's so ever.
My student loans were transferred to XXXX from XXXX. I had a rate reduction to 4.3 % while at XXXX for setting up auto payment at graduation.. After the transfer, XXXX set my rate back up to 6.8 %, I have the letter showing the terms of my loan with the rate reduction. I have called several times, they say they ca n't change my rate back to 4.3 % because they did n't get my bank info from XXXX. I have been trying to set up auto pay since XX/XX/XXXX over the phone and by email, it is now XX/XX/XXXX, and my interest rate is still set at 6.8 %. Their customer service is among the worst I have ever dealt with, never rude, just incompetent.
XXXX XXXX XXXX {$540.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of these listings. 
The negative marks are inaccurate. There is no contract or valid claimdebt was settled with original creditor I want these accounts removed immediately.
I this am just called once again American Express to try and negotiate the APR rate on my account. I did indeed call again on Friday evening ( XX/XX/XXXX, late ) to try and negotiate the APR rate. To my frustration I have gotten no result at all. On Friday evening XX/XX/XXXX was the first evening I had spent at my address since the Hurricane of Irma. Having no experience with hurricanes the stress of same is the same as trying to negotiate an APR rate with American Express. I have been with Amex for so many years and I have always paid my bills on time until a few years ago, when I was laid off from my job. I did somewhat land on my feet if you will, and the balance is higher than I would like it to be and if I could afford to send them more, I would and they know that too, but I can not. XXXX is a killer and the XXXX of a hurricane and then this complaint are enough to kill anyone and I WOULD LIKE TO HAVE MORE OF WHAT I PRESENTLY SEND TO AMEX A CREDIT TO MY NAME AN OPPOSED TO THEIRS.
I went to dealership that advised they would n't pull credit and send to finance companies which was they did without my authorization. XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX  Inquiry from XX/XX/XXXX + Personal Loans Cos. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX -
ALL CREDIT REPORTING COMPANIES MUST CEASE ALL CREDIT INFO OM ME UNDER THE F.C.R.A. 15 USC 1681a ( g ).
In XX/XX/2018, Nelnet changed their policies regarding how payments are applied. They now apply 100 % of every payment to the Group ( A ) with the highest balance. This means Group B never has a payment posted to it. I have to call every month and ask that they reapply the payment to both Groups A and B. I have submitted six complaints to Nelnet. Their initial reply was in XX/XX/2018 in the form of email and hard copy letter promising to apply my payment to both Groups. Leaving Group B 'unpaid ' results in interest accruing at amounts higher than the monthly payment plus interest accruing on top of interest ; thereby, making it nearly impossible to pay off the balance at a later date. Also, Nelnet automatically places 'unpaid ' debt into deferment or forbearance without approval from the borrower. They've done this to me in the past when misapplying another payment. I last spoke with Nelnet in  the beginning of XX/XX/2018and the man on the phone denied everything. He denied that Nelnet places loans into auto deferment and forbearance. Then he said that the special instructions regarding payment application on my account was not noted properly and it takes them two weeks to manually adjust my account. This phone call was 30 days ago and I'm still waiting for them to re-apply the payment correctly.