WillisBack/dataset-financial-user-claim huggingface dataset:
Experian continues to report delinquencies for XXXX account XXXX through XX/XX/XXXX even though the account was forgiven in full with a XXXX and reported as income to the IRS in XX/XX/XXXX, income which I subsequently was required to include with my taxable income on my XX/XX/XXXX tax filing. They correctly report the balance as XXXX, but report delinquent payment history for each month through XX/XX/XXXX. This is not only misleading ( reporting the payment history as delinquent implies a balance is due ) but damages my credit in a way that is preventing me from obtaining necessary financing.
This complaint is on XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I called PNC to speak to a representative specifically pertaining to XXXX XXXX and asked the rep to please tell me about the app that 's connected to the PNC mobile app. I also explained to the rep my reasoning behind wanting to know more information about XXXX. I told her that I was purchasing a product from a seller from XXXX a site where buyers can sell gently used items. I also expressed that I always use XXXX all the time and is XXXX similar where if for whatever reason I do n't receive the product or something goes wrong can I dispute the transaction. She stated yes and that I can cancel it anytime. Had she not confirmed XXXX was a secure way to send money similar to XXXX where you can file an appeal I would have never sent any money to this seller. The same day the transaction was completed I called PNC because the seller did not provide me the tracking information I requested. The 2nd representative gave me instructions for canceling the payment online and the option was unable. The 2nd rep I spoke to also stated that once it 's completed they ca n't do anything about it. However, the first initial rep I spoke to NEVER stated once a transaction is completed you ca n't cancel it or dispute it she stated the complete opposite. So at this point I 'm distraught because I specifically called in inquiring more information about this payment system connected to my PNC mobile app. I beg the rep to complete a dispute explaining I was rob of {$900.00} from a fraudulent vendor. I had the vendor name, number and PNC had the banking information it was transferred too. After several days of not receiving any notice or documentation about the case. I called PNC again to check the status. A representative informed me on the case its states resolve with recipient. I just lost it crying frantically asking to speak to a supervisor or someone who can help because I did n't get any notice about their decision so more time is being wasted and my {$900.00} is gone. The supervisor was just apologizing for the very first representative I spoke to who misadvised me to send money through XXXX XXXX stating I can appeal or cancel it. I requested the call to be pulled and that the case still be looked into and how can they not be able to track {$900.00} and do absolutely nothing about it. It was complete negligence on PNC in the way the handle it was not able to help out a customer in need at all due to false information provided by there representative. I just desperately want my money back.
OnXX/XX/XXXX, I noticed my account had no money left. I did n't understand why as there was over XXXX XXXX dollars the day before. I reviewed the activity and noticed several charges I never made. I called the bank, they refunded the money of the disputed charges, but yesterday, it happened again. Even though the debit card used to make these charges was cancelled. The bank has let these charges go through twice, and has never called me either time. The card is cancelled, and they still allow the charges to go through. They are not helping me, and I need help. I have no money because of this, I ca n't pay my bills.
Bank of America Account No. XXXX Twelve years ago I took out a Home Equity Line of Credit in the amount of {$20000.00}. I paid off this loan in full in XXXX XXXX. I filled bankruptcy in XX/XX/XXXX, papers from attorney showed I was keeping my XXXX mortgage and XXXX mortgage ( home equity line of credit ) from Bank of America. Now they have a lean against my house, and they want me to pay {$11000.00} from me because first they claimed it was because XX/XX/XXXX my husband and I filled bankruptcy. I sent them the legal papers showing that we reaffirmed the debt. Then they said that it was because XX/XX/XXXX I had a foreclosure. That is false, I never had a foreclosure on my home. XX/XX/XXXX I did a modification of my original mortgage. I never missed XXXX payment on any of my loans. I was told to send in {$220.00} fee for the release of the lien on my home. Bank of America has applied the {$220.00} to the {$11000.00} that they are insisting that I pay. Please help me with this matter of utmost importance. My phone number is XXXX my email is XXXXXXXXXXXX
Experian credit reporting agency is knowingly reporting fraudulent items I have sent experian credit reporting agency all documents in order for them to remove such items. The furnisher of the information has provided to documents to experian yet experian is reporting fraudulent items.
I had a credit card with citi. In XXXX 2014 I become XXXX and went of family leave through my job. Since then I have been completely XXXX as determined under ssdi as having a permanent XXXX. I paid each and every month a fee for credit insurance if I lost my job, or became XXXX. Well both situations have inhibited myself from laying my bills. Citibank has since reported various delinquencies and have taken legal action against me and have not honored their insurance protection insurance policy that was charged on my credit card statement each and every month. I am now asking that this agency step in and help me force the bank to remove all these negative reports on my various credit reports and have the safeguard credit insurance policy do as it was advertised and the terms and conditions state is is supposed to do and finally put an end to this harassment!
XXXX XXXX DECREASE CREDIT LIMIT BY {$300.00} AFTER REVIEWING INFORMATION FROM XXXX. THE REASON FOR THE DECREASE INCLUDE THE FOLLOWING LISTED *NO USABLE REAL ESTATE ACCOUNTS ( I DONT HAVE TO HAVE A HOME LOAN FOR A CREDIT CARD ). 
*NO BANKCARD ACCOUNTS WITH A VALID CREDIT AMOUNT ( THERE IS A BANKCARD ON FILE WITH A VALID CREDIT AMOUNT ) THE FOLLOWING LISTED SEEM TO BE A DISCRIMINATION AGAINST ME. I HAVE ALWAYS PAID ACCOUNT ON TIME, THERE ARE NO LATES LISTED ON ACCOUNT. I REQUEST TO HAVE THE ORIGINAL LIMIT BACK TO {$500.00}
I am a victim of identity theft : The following hard inquiries listed on my XXXX, Equifax and XXXX XXXX Report is unauthorized, fraudulent and not mine : XXXX XXXX, XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX
Back in 2005 I was given an XXXX credit card. The total amount available on the card was about {$500.00}, if I 'm not mistaken. Anyway ... after the housing market crash I had been paying my credit card bills on time but evidently the bank decided to close out my account and left me hanging there with about five hundred owed. For years I would get calls from collection companies trying to settle the debt. It never got paid and now I 'm XXXX years old, no job and only have social security as my income. I have no property, no big bank accounts and nothing anyone can slap a lien on. Portfolio has been the main company trying to collect from me for many years now. About two years ago I told them just what I told you folks about my financial situation. They refused to stop contacting me. For many years they have called me almost every single day and sometimes twice a day to the point that I just do n't answer their phone calls any more. At this point I want them to stop contacting me. Enough is enough. Can anyone from CFPB report these folks and their unfair business practices?
Debt had been paid and to original debtor not this capsys, not sure how theyu report I owed them at all when bill was paid in full.
I had recently sent a letter to cfpb showing that XXXX who took over my account from XXXX XXXX has been reporting incorrect information over the years in regards to my account. I had requested forbearance/deferment on my account over the years due to certain hardships, however during this time navient reported to the credit bureaus that my account was delinquent. I also sent a statement to both XXXX, the credit bureaus and cfpb to show the dates that were being reported and that during the time my account was in deferment/forbearance. I have not gotten any results from any of these agencies and my credit report still reflects negative information which is hurting my good standing.it is hindering me from purchasing a home and everything I do get ( credit cards etc ) all have high interest rates because of these negative remarks.also the interest being charged is bogus I took out a loan for XXXX dollars with XXXX XXXX and have been making payments over the years ( sometimes more than the minimum ) and currently owe XXXX.
Repeated attempts to collect a debt owed by someone other than me on my cell phone, 3 calls XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX. The company appears to be Comenity Bank. The person they are asking for isnt anyone i know. I have asked them to stop several times. They are now calling my house number as well. This is harassment and a clear violation of Fair Debt Collection Practices and TCPA
XXXX XXXX is charging an alleged late fee I told them I disputed it, called customer care and the bank XXXX  and they repeatedly call and harass me even at work ( 10 times a day ).
Seturus has never sent me any loan servicing documents concerning a home loan they are reporting to my credit report
In XX/XX/XXXX, we had a flood in XXXX XXXX. Over 20,000 homes were flooded. The President declared it a National Disaster. As a result of being declared a national disaster, everyone who had a government backed loan i.e. XXXX XXXX was eligible for a disaster forbearance, in which they did not have to make payments for several months, but had to pay back every cent after the forbearance expired. Even non-government backed mortgages were giving this forbearance. Forbearance also meant that we would not get a late payment incurred or be reported late to the credit bureau. My credit report was reporting correctly until XX/XX/XXXX. In XX/XX/XXXX, XXXX decided to back date my credit report for the month of XX/XX/XXXX and state that I was 30 days late. I had forbearance until XX/XX/XXXX, however, I decided to catch up my payments on XX/XX/XXXX, mainly because I did not trust XXXX. They had already threatened to keep my insurance proceeds despite the fact that the flood damage renovations being 100 % complete. Again, it was promised to consumers that we would not be reported late due to the disaster forbearance. I had 3 other banks and 8 other loans that had the same arrangement, and yet those loans were not reported late. Several were not even government backed, so they had no obligation to give the forbearance. They gave the forbearance and held true to their word-no late fees or being reported late. I reported the issue to XXXX in XX/XX/XXXX and filed a dispute with the credit bureaus. The results of the credit bureau investigations just came in. Now XXXX is reporting me 60 DAYS LATE NOW! It just so happens that I applied for a refinance on one of my properties. I am in danger of not getting that loan now. And interest rates are rising, so this is my last opportunity. If I do get the loan, it will be a much higher interest rate because of XXXX 's incompetence. Or are they just being vile? XXXX has a history of reporting incorrectly payment history. I had issues with this last year and it took 5 months to correct it. I do not have 5 months. I may in fact lose my refinance loan if this is not corrected very soon.
Fradulent credit inquiry on my credit report. I have called several times and told that this fradulent inquiry would be removed. It has not been removed from my credit reports. I did not authorize this inquiry and need it removed immediately
I attempted to get a personal loan from this company. I was appalled when they asked me for sensitive documents ( i.e. with Pii ) via *** email ***. Email is pretty much the worst way of transferring data, as it is not secure. Please look into the practices of this Patriot Finance company regarding how they handle their potential client 's personal information. In fact, I wonder if they are even legit ... because any legit company these days would have a secure portal for providing sensitive documents. ( they did provide a fax option, but who really does that anymore? ) The following is a copy/paste of their email to me ...

XXXX Thank you for your recent application.

In order to begin processing your loan, our underwriting team will need you to please provide the following documents : 1 ) Copy of your state issued ID ( Drivers license, etc. ) 2 ) Copy of your most recent pay stub.

3 ) Copy of your most recent bank statement. 

Please either respond to this email with the documents or, you can send via fax at XXXX. 

If you have any questions about your application, please call us at XXXX. We look forward to working with you.
I sent all three credit bureaus a certified letter, requesting an investigation/deletion of this hard inquiry from XXXX XXXX  XX/XX/18. It has now been well over 90 days and still no response.This hard inquiry have caused great hardship, stress, and has caused my credit score to decrease drastically. The three bureaus have violated the FCRA, laws that protect all consumers. They are suppose to report accurate information and to respond to consumers within a timely manner.
Last summer I purchased my first home and took out a mortgage. When evaluating different mortgage lenders I compared Citibank to XXXX XXXX and XXXX. Citibank was not the most competitive on rate, but they told me that if I chose a Citi Mortgage, I would not incur minimum balance fees on my Citigold bank account after I withdraw funds for my down payment, because the mortgage balance would count toward my total Citibank relationship. I chose the Citi mortgage because of this benefit as I wanted to avoid any minimum balance fees after buying my home, and I wanted to maintain my Citigold status because of its several financial benefits. For the past 15 months everything was fine, however last month I received a minimum balance fee of {$30.00} for the first time. I was told by Citibank that they are no longer honoring their policy of counting a mortgage towards a my total relationship with their bank. They misled me into choosing a Citibank mortgage with them based on this policy being in effect. When I was first evaluating what mortgage provider to select, I evaluated the costs of paying fees on my Citigold account and using a different lender who had better rates versus choosing a Citi mortgage and avoiding Citigold fees. I ultimately chose the Citi mortgage so that I had the ability to keep lower bank account balances while still keeping my Citigold status. The Citigold status provides certain financial benefits that factored into the decision. There were absolutely zero disclosures on my mortgage documents relating to the potential risk that their policy of counting my mortgage as part of my total banking relationship could be be cancelled at any time. I thoroughly reviewed all of my original mortgage paperwork and find no reference to the risks of these changing policies. I was led to believe that this policy was fundamental to the mortgage, and that it was something never at risk of changing.
On XX/XX/2018 a hard and soft pull was done on my XXXX  credit report by Clarity Services for XXXX XXXX. I did not solicit their services or the services of XXXX XXXX at this time and need to have this inquiry removed from my record
we have XXXX loans from XXXX XXXX - now Navient we have tried to get loan forgiveness, low payment options and /or lower interest rates we have been turned down multiple times. We went to a forbearance company thinking they would take the loan at a lower cost only to find out we still have to pay the loans and the other company as well. Navient harasses us for payment when we should n't be paying on the loans, none of our phone calls are documented nothing gets document when you call. We need help and no one is willing to help. we can discuss this in further details if we can get a call from someone on your end.
I was to get the information together for Navient to submit to get our payments lowered and a lower interest rate when in the same week I received a call and letter from them to resolve our delinquency. I asked them I did not want to be called yet I received voicemail message from XXXX in their XXXX office stating she was my case manager and wanted a call back. I called her back on XX/XX/2017 and told her that my records should have shown that I asked not to be called and she hung up. This morning XX/XX/2017 I received another call from XXXX confirmed my identity and she hung up. I feel these are harassing phone calls. I told Navient I would get the information together they requested, but meanwhile they keep calling. My complaint is about the harassing phone calls.
My personal info ( SSN, driver 's license, age, address and bank account ) has been hacked because of the neglect of Equifax.
I suffered a water damage loss on XX/XX/2015. I wiped out my laundry room, the master bath closet and foyer closed which all adjoined the laundry room. I submitted a claim and was given a {$5900.00} award to repair our home. To this day they have not sent the check from Nationstar Mortgage Co . 
They claim that it is because I am behind in my mortgage payments. I can not do anything about that as I am XXXX and can not work until I can have my XXXX. 
In the meantime, they keep telling me that they need more and more documentation from contractors etc. I told them to make out the check directly to the XXXX so they would not have to fear that I am going to leave my home and run off with their money. I have lived her since XXXX and I am trying the best I can to recover from : the stock market crash, the housing bubble bursting, XXXX and otherwise. I am XXXX and they are making my life XXXX. 
Without the use of a laundry room or closet in our master bedroom one can only imagine our life with clothes needing to be taken to the laundromat weekly, no place to hang them and the house being in disarray. It is depressing and totally unnecessary Would someone please help us? We are at our wits end here.
Below I have copied an email that I sent ( on XX/XX/XXXX ) to XXXX XXXX with Bank of America. I received a response the same day saying that they would look at this matter. And, the gentleman said he has had cases like this that they were able to refinance. The following day however he contacted me and said he took it to their board and they can not refinance. ++++ Dear XXXX XXXX, I spoke to a gentleman in the mortgage department in regards to refinancing my property which I bought in XXXX. He informed me that the policy has been changed and Bank of America will no longer work with condo hotels. 

I understand that there are policy changes and that you will no longer accept applications for condo hotels, however Bank of America has had my mortgage for 12 years. Whatever the policy change the fact is that you already have my mortgage and I have been a customer of yours for that time. 

You can not change the policy and negate working with you current customers. Everybody else is taking advantage of low rates but not if they are with Bank of America because they changed the policy?? 

My property is in XXXX XXXX. It is now doing {$130000.00} in annual rental income and has over {$600000.00} in equity. When I originally requested financing with Bank of America it did not occur to me that Bank of America would change the policy about condo hotel mortgage re-financing. 

Again, let me state you already have my mortgage and no funds are to be issued. All I ask is to refinance the note for a longer term. 

I appreciate your time and effort to help with this matter.
After I applied and was approved for the Chase XXXX XXXX credit card with a XXXX reward mile sign up bonus, Chase or XXXX sent me an offer with a larger bonus and a larger corresponding minimum spending requirement. Chase first send me a letter saying they had revoked the original bonus offer. I spoke with a Chase representative via Secure Messaging regarding the letter and they informed me that it was an error. I then asked about the availability of the larger sign up bonus if I were to meet the larger spending requirement. The representative informed me that I would receive the larger bonus and to send them a Secure Message when I reached the minimum spending requirement so they could match the larger bonus. Therefore in order to reach the minimum spending required for the bonus, I used the credit card for {$1000.00} worth of additional charges that would have earned me more rewards if spent on another card. When I informed them that I had reached the spending requirement that they had outlined, they then told me they misspoke and refused to match the offer.
on XX/XX/2018 I submitted a complaint with the CFPB about Transunion. The complaint was that Transunion failed and refused to send me their METHOF OF VERIFICATION. per the FCRA 611 ( a ) ( 7 ) I am entitled to request the description of all methods used to investigate the dispute,,, I am entitled to see the names of the person verifying the account with the original creditor, this is my rights and Transunion violated it and best believe I am seeking a lawyer on this matter because Transunion should have removed the account from my file,, Transunion failed to send me what I am entitled to. this is my rights and under the fcra law, I can request it and u failed,, I will be seeing one of your representative in court for the non compliance and the violation of my rights and the FCRA.. I have also provided proof of the complain that I made with XXXX with a account XXXX XXXX,,, XXXX was sent all the information like I sent Transunion and XXXX  failed to send me their method of verification,,, they were in violation also,, but in return XXXX  removed the account from my credit file, because I am entitled to see the information i asked them and i asked Transunion the same thing, and Transunion failed to send me what i asked, so we will be in court for the non compliance or u can remove the XXXX XXXX like XXXX credit reporting agency did..i have the printed copy of the complaint and the response from XXXX  see for your that the credit companies have to send this to the consumer if requested and i did that and Transunion failed just like XXXX did.. ( see the attached complaint and response on the removal of the account XXXX XXXX for non compliance with the method of verification from XXXX through the cfpb site ) i filed my complaint on XXXX with the XXXX XXXX account in XX/XX/2018.. XXXX responded on XX/XX/2018 and removed the account on XX/XX/2018 i have enclosed the proof,