WillisBack/dataset-financial-user-claim huggingface dataset:
Subsequent to filing cfpb complaints against PNC Bank and other Federal reports ingredients and Department of Human Rights complaints PNC Bank decided to break the law which prohibits retaliation if you as a witness complain against a business to the government or its Affiliates or subsidiaries whatever I got a threatening letter from PNC Bank by which I receive my Social Security and SSI from into their Bank I got a letter stating that they would be closing my account in issuing refunds during periods when an investigation with the cfpb is pending I take it they 're going to attempt to destroy evidence falsify records even more and Destroy any files or anything that could have been a supportive on my case against their video footage debit cards have already been altered and destroyed even people in fact one of my discriminations went missing left the bank facility as a branch manager overnight just never saw him again and I have a subsequent to file in the Civil Rights charge now this this Bank owes me more than {$4000.00} in transactions that went through and that were allowed under-9 matching to the debit slash credit mechanism card which was used that someone used sending an inmate cash from my account to prison the bank has refused me my money back and engaged and nothing but unlawful actions I want this Bank find and shut down and a full return it is bank is to cease and desist from closing anything until I give them permission to it 's nothing but retaliation which is illegal even in banking
XXXX XXXX called me regarding a debt that was not mine it was an identity theft. it was over XXXX years ago or more. they threatened to put a lien on my current cc. they called my XXXX mom, sister, work and harassing me none stop.. they are rude. they know my minor child name, school she attends.
I had XXXX fradulent charges placed on my credit card account. I reported them two days after they were placed on my account. I have been lied to 4 times about how long it will take to have them removed. I called in once, and was told 2-3 days. 3 days later i called in and was told it takes 5-7 days. I called in 7 days later and was told it takes 7-10 days. 10 days later, I called in and was told there is no expected time to reconcile the charges and remove them from my account. Every other time I have reported fradulent charges to my citibank credit card they applied a conditional credit immediately. This time they are basically refusing to remove them, and they continue to count against my credit line, despite the 100 % no-liability on fraud charges a that is advertised by Citibank for their credit cards.
I atempted to open a businress checking account with US Bank and was sent on the run-around XXXX times. I was told different things each time I went to the bak, Then I was left siiting for a prolonged period of time only to be told that they were closing. Finally, I was told that because I had a negative balance one day a couple of months ago, that I could not open the account. I tried to explain that the negative balance was due to someone else using my card numer of which I had filed a claim on. However, uS bank employees were determined not to open the checking account for me after taking copies of all my information.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that Credit Bureau 's disclose to me all of the documents that they have recorded and retained in their file at the time of a request concerning the accounts that they are reporting in my credit report. I requested copies of the documents that they have in their files that were used to verify them. 

If they do not have any documentation in their files to verify the accuracy of these disputed accounts then they should delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if Credit Bureau 's are unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed 30 days they must remove these accounts from my credit report.
On XX/XX/2018, I received a certified mail letter to stop " manufactured spend '' activity. 

On XX/XX/2018, I called to ask what specific activity in my account triggered this letter. I was told that for my account specifically, it was due to receiving transfers from other credit union members who exhibit signs of this type of activity on their accounts. They said as long as I stop receiving transfers from other FT ( First Tech ) members, I should be fine, as my account does not exhibit any other signs of prohibited activity. 

However, on XX/XX/2018, I was unable to sign in to my account. I called customer support, and they said my account had been closed for the reasons in that letter. They sent me a cashier 's check for the balance, but they kept {$5.00} in my savings account. I am unable to access my savings account and am unable to pull my transaction history. 

I believe my account was wrongly closed because I have not performed any prohibited activity. After the call on XX/XX/XXXX, I stopped receiving transfers from any other FT members. I have been slowly transferring my money from my checking account at XXXX XXXX to First Tech with the intention of making my First Tech account my primary account.
I refinance with a mortage company that promised that insurance and taxes were included in the total monthly payment, however they purposely failed to tell me and my wife that taxes and insurance were only included for the remainder of the year and that we would be responsible for paying taxes and insurance after the first year in addition to our new mouthly mortage payment. That financially destroyed us. I believe they described this as a mortage XXXX type of mortage. That was with Wells Fargo
I pay my XXXX XXXX acct on XX/XX/XXXX. My payment is due on XX/XX/XXXX but I was told that as long as I pay it before 30 days I am not considered late. I called XXXX XXXX when I saw they marked my acct late for XX/XX/XXXX. I pay on the website which I will attach for you to see. Last month when I went on XX/XX/XXXX it showed current. I went on to pay on XX/XX/XXXX and I paid {$750.00} thinking I was paying for XX/XX/XXXX and for half of XX/XX/XXXX. They marked me late for XX/XX/XXXX. I disputed this with Experian immediately. I was notified the other day that not only did they not remove the late mark for XXXX they added XXXX and XXXX as well To play it safe I made another payment of half of what I owe. As you can see from the attached from there website they are showing me with a credit in the amount of XXXX for XX/XX/XXXX. This is an unfair business practice especially since now a days all correspondence is done from the internet. I am requesting that these late marks be removed based on the proof that I am sending to you and I feel that it is illegal what XXXX XXXX has done to my credit that I am working so hard to correct. I am hoping you can help me and I have also spoken with a lawyer about this. To punish me for the dispute they marked me twice on my credit reports. Totally illegal. I have since sent yet another letter to Experian disputing it again but am very upset that XXXX XXXX marked my credit report fraudualently. 

Thank you for your help.
My first call with them was very abrasive I had no idea that my account that was joint with my XXXX aunt had been sold to a 3rd party collections. I received no written notification just a report on my credit report and then the calls started. The agent was condescending and gave me no information just wanted a payment the call was disconnected. They have continued calling me 2 to 3  times every other hour from different numbers. My credit report is showing that the have charged almost 93 dollars in addition to the original loan and they are reporting to the credit bureau more than 1 every 30 days. The dates reported are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The original loan amount sent to them was XXXX. They are saying I owe them over the course of my alleged acct being with them 4 months, according to my credit report, XXXX. Still no written report have been sent to address although confirm with the agent and the calls have continued. Prior to the account being sold XXXX XXXX harassed not only me but my sick aunt and called multiple times an hour within one day and through it all I didn't even know it was illegal until recently. They were telling her they would come take my degree, I would be arrested, they would garnish my wages and her SSA, they were going to send government officials to my door. This has been trying considering she XXXX  shortly after those calls and now I'm grieving her death and this mess with the EOS CCA and XXXX XXXX.
XXXX has a judgement shown on my report but it states that the balance is zero. Have contacted them and I am unable to get any information from any XXXX about this account or its status.
I recently submitted a complaint about how Equifax stated they verified a Bankruptcy on my credit report. I am aware that under the Fair Credit Reporting Act of 1971, are to only report one hundred percent accurate information. I submitted my complaint through the CFPB and their response was not made through the CFPB which is also a violation of my right to due process. Equifax did this to hide the fact that they know that they are reporting inaccurate information. The response has been the same, verified through a third party XXXX. The information purchased by Equifax from XXXX has redactions that are required under XXXX XXXX laws. XXXX is not provided a full and complete social security number nor are they provided a full and complete date of birth when they purchase public record information from any Court. XXXX then sells that incomplete information to the major credit bureaus as verified and validated information. In doing so, XXXX and Equifax have violated the Fair Credit Reporting Act of 1971 by reporting and providing inaccurate and unverified information about consumers. I demand that XXXX and Equifax be investigated for fraudulent business practices as well as violation of the Fair Credit Reporting Act.
On XXXX XXXX at XXXX I deposited a cashier 's check for {$28000.00} into a US Bank joint checking account with my name and my wife 's made out to my wife from a trust in her name. She endorsed the check. Our intent was to transfer a portion to our other checking account for which we had checks to pay our flooring contractor. Our funds were not made available until XXXX XXXX. I wrote a check XXXX XXXX and it was returned as an overdraft on XXXX XXXX. We have been customers for years and our accounts were established more than 6 years ago. I requested my local branch to credit my account the over draft fees and they asked me to call the branch at which we initially established the accounts.
I used to have a savings account with Capital One Bank. I received an email from a person named, XXXX XXXX in XXXX 2014, who had checks in my name in the amount of $ XXXX.and {$3800.00}. I deposited the two checks in my savings account, withdrawn some money and took the money to XXXX XXXX to help other people in need in the XXXX. I was blind too not know XXXX XXXX was a scammer and swindled me for my money. I got a call from a Fraud Investigator, XXXX XXXX of Capital One Bank about my savings account. XXXX XXXX informed me that my account was frozen, since the scammer took all of my money out of my account. I asked XXXX XXXX if he will get my money back. XXXX XXXX replied, that he will try to get my money back. I provided XXXX XXXX, the necessary information pertaining to my savings account with Capital One Bank. Capital One Bank wanted me to pay out fees not covered from my savings account. As of date, XXXX XXXX, Frauds Investigator has not contacted me with an outcome in regards to my money. I would like to know the Fraud Investigator, XXXX XXXX never got in touch with me in three years. This is unethical of XXXX XXXX and not professional.
why are these account reported twice on my credit report? I asked for an explanation to the credit bureaus but until now, I got no response from them.. Furthermore, the account was never paid late. I am faithfully paying my account with this creditor, no late payments. Fix this error please since Equifax couldn't help me XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX
I have found myself to be part of the hack involving 143 million consumer records that were taken from Equifax. The company has mishandled this data and allowed the identities of everyone involved to be at risk for the rest of their lives. For the foreseeable future it will now be necessary for myself and many others to consistently check our credit reports, handle potential identity theft, and more while incurring the full cost of time, money, and anything else that may come up. 

I have already had two credit cards compromised during the time of this incident and can only hope my other accounts are safe.
I applied for a mortgage loan ( # XXXX ) with Wells Fargo towards the purchase of my new home in XXXX, CA. My wife and I are both gainfully employed in high paying XXXX jobs and have impeccable credit scores in excess of XXXX. The loan process began in early XXXX and I submitted comprehensive documentation of assets including statements at that time. I have had a lot of trouble with the Underwriting team at Wells Fargo responding 10 days after I initially submitted my documentation of assets. The initial estimate of the payment ( including costs ) due at closing given to me was higher by around {$7000.00} from the final closing cost causing me to scramble and liquidate assets towards meeting this requirement. The Underwriter did n't agree to have this as a closing condition instead requiring me to liquidating my assets before approving the loan. On this occasion too the Underwriter took more than 3 days AFTER the liquidated funds reached my bank account to sign off her approval. After all the delay caused by the Underwriting team, my wife and I finally signed off on the loan documents after depositing the payment with the escrow company yesterday morning XXXX. The Wells Fargo underwriting team threw a curveball after the signing by insisting on a Section XXXX item ( broken duct indicated by the termite inspection team and not the home inspection team ) to be certified as not being a hazard as a condition to funding the loan. This was not a condition that either me as the buyer or the seller had mutually agreed to as part of our contract agreement. This was a total surprise to me and the sellers as it was never mentioned as a condition by either the loan consultant or the underwriter previously. If this was a condition, the Underwriting team should have indicated as such, prior to me signing the documents for closing. I understand that loan underwriting standards have become very stringent, but I believe that Wells Fargo 's underwriting team is acting out of malice towards me causing me and my family undue grief and trouble stemming from rescheduling appliance delivery, movers and cleaning crews. At this point I can not understand the reason why Wells Fargo 's underwriting team is putting up last minute hurdles towards the closing of my loan other than the fact I had declared myself as being of XXXX origin in my application.
Over the last several weeks I have received dozens of calls from XXXX, and today the representative from Convergent Outsourcing advised me that they 'd only stop calling if I would provide them the last XXXX digits of my social security number to confirm that I was not their collection target. I ended up providing the information, and they confirmed that I was not the individual they wanted but further told such mistakes " happen. '' I felt as if I were extorted into providing my personal information in order to stop the bothersome calls. It appears as if the business model of Convergent Outsourcing is to call all people with the same, and then by process of elimination hope to eventually find their intended target regardless of how many innocent folks are annoyed with repeated calls in the meantime. This is shameful, and I hope that you can do something about this seemingly abusive practice.
The credit bureau are reporting XXXX fraudulent collections where my identity was stolen. I have my police report and I am sending in the documentation
I have filed five ( 5 ) comlaints against Wells Fargo Home Mortgage and each time they send more and more unrelated or the same documents. The last XXXX responses were 58 and 83 pages consecutively, cut and pasted and just a mess. None of which provided an answer to my complaint. 

No one at the CFPB read or reviewed the answers. It is easier to say they provided a response. XXXX has not provided a response to the complaint, they just responded, there is a difference. And yet XXXX laughs in my face and the CFPB because they think they are getting away with this. Over my XXXX body! 

XXXX continually goes to the Federal Court with their consent judgements and offers to pay billions of dollars but have never paid a dime! I challenge you CFPB to check it out, I did. 

I know the truth and so does XXXX. Soon the whole world will know. 

" Why am I not eligible for the settlements ''? 

I provided all documents for every excuse they have given. " Why am I not eligible for the settlements ''? 

Having run out of excuses, now XXXX just say I was not eleigble. " Why am I not eligible for the settlements ''? 


The one issue and question continually asked and never to date answered " Why does '' Why am I not eligible for the settlements ''? 
XXXX say that I was not eligible for the settlements ''? Having submitted to the CFPB documents refruting XXXX : " Why am I not eligible for the settlements ''? 

" Why am I not eligible for the settlements ''? 

" Why am I not eligible for the settlements ''? 

" Why am I not eligible for the settlements ''?
XXXX XXXX has continued to harass me illegally after I had written and called XXXX XXXX several times explaining I had lost my job. I fell ONE month behind on excess milage charges NOT THE CAR LEASE PAYMENT after losing my job. XXXX XXXX called me numerous times to harass me about being a few weeks late. She is a psychotic, toxic person. I have all of XXXX XXXX’s voicemails saved for my attorney.XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXMind you, before and during these calls I had notified XXXX XXXX in writing and via phone call of what was going on.Also, it is illegal for a creditor for call you before XXXX.
On XX/XX/XXXX I contacted Ally Bank over the phone to assist in changing a bank account information online as I moved from one state to another state I changed banking institutions from XXXX XXXX XXXX to a local credit union. The woman I spoke with was in the XXXX and she assisted me with setting up my payments with my new bank automatically on the XX/XX/XXXX of every month it should have been an even amount of {$230.00} every month on the XX/XX/XXXX I  get a notification on my phone that I have an NSF fee of {$25.00} due to Ally Bank trying to draft XXXX dollars. On the XX/XX/XXXX I once again contacted the customer service phone number and got a hold of another lady in the XXXX by the name of XXXX badge number XXXX she assured me that she would and we would cancel the whole draft and resubmit the information again to start a new draft I would also need to make a one-time payment of XXXX for the month of XX/XX/XXXX and it would no longer draft XXXX dollars she gave me a confirmation number of XXXX XXXX and assured me that I would get a contact back by the XX/XX/XXXX to assist me and the refund of my {$25.00} due to this mistake XX/XX/XXXX came and went I never received a call I contacted customer service again this time speaking with XXXX badge number XXXX XXXX and he assured me that I would be getting a call back and that they needed more information they needed a copy of my bank statement faxed to direct pay gave me the same confirmation number and gave me the fax number I faxed over the information on the XX/XX/XXXX still have never received a call back and once again on the XX/XX/XXXX they drafted {$1200.00} for my account again on the XX/XX/XXXX I was charged {$25.00} NSF fee from my bank so I again contacted customer service at speaking with XXXX and she assured me that I would receive a call by the XX/XX/XXXX of somebody was working on my account specifically and she was also emailing her supervisor XXXX XXXX the XX/XX/XXXX Tuesday came and went I never received a call today is the XX/XX/XXXX and I contacted customer service again spoke with somebody in the United States by the name of XXXX she let me know that she would contact her supervisor XXXX XXXX was in a meeting and was unavailable and I would be getting a call back that somebody was specifically handling my information and that person will be calling me today I have now been charged {$230.00} for my normal payment which I do owe and it was on time and an additional {$50.00} and non sufficient funds fees do to them drafting the incorrect amount nobody will give me the corporate phone number in XXXX Minnesota they only give me a XXXX XXXX phone number XXXX XXXX XXXX XXXX is the worst company that I have had to deal with I have not been late with them I just simply wanted to change my accounts and have incurred additional fees due to their mistake and not receiving any calls back I need help to get ahold of somebody at their corporate office to get this resolved
On XX/XX/2018 and XX/XX/2018 XXXX XXXX XXXX XXXX pulled an authorized hard inquiry from my XXXX and XXXX  credit report.
I have a visa card with XXXX XXXX sponsered by XXXX. Without my permission, they have terminated my account with XXXX and are reissuing a XXXX with Citibank. Im not sure how a clothing company is allowed to make these types of financial decisions for a consumer. I have contacted the state Banking commission and was advised that as both are Nationally chartered banks they have no jurisdiction and referred me to you. Please let me know how what they have done is within the federal banking rules.
On X/XX/2017 I mailed a correspondence to FIRST XXXX XXXX XXXX XXXX XXXX ) due to the fact XXXX was reporting a debt ( alleged account number truncated from credit report XXXX ) and outstanding balance of on my credit report, which is completely in error and false. My correspondence was received by XXXX on X/XX/2017 per XXXX XXXX number XXXX XXXX XXXX XXXX XXXX and signed for by a representative of XXXX per the return receipt received by me ( XXXX XXXX XXXX. The reason for this correspondence was to have XXXX cease and desist reporting to the credit bureaus until this alleged debt can be lawfully verified. I provided 30 days to XXXX for a response ; it is well past 30 days with no response from XXXX. I have attached a copy of this correspondence in this complaint to ensure that it is on record that XXXX did receive my correspondence twice, one in the mail and one through this complaint. According to my credit report this item/account was most recently reported on XXXX XXXX, 2017 well after receiving my correspondence, so XXXX apparently has decided to ignore my correspondence but continue to report false information on my credit file. If XXXX continues to violate the law, I will pursue litigation and seek full damages for the injury they have caused me and continue to cause me by defaming my name and character.