WillisBack/dataset-financial-user-claim huggingface dataset:
I originally applied for a home equity line of credit with PNC. They told me it would be fixed for the first five years then variable. It was variable from the minute I signed. I told them the loan officer mislead me on the loan and they said I can change it to fixed for a {$100.00} fee. I told them I shouldn't have to pay this fee and they agreed but charged me anyway. I fixed the loan and then decided to take out a new loan to pay off the original loan. I had to go to closing three times before the loan wen through due to problems with their loan administrators and underwriters. After I got the loan, I received the first bill 3 days before it was due. I called to complain and they said they would put through the payment over the phone without a fee. The woman attempted to process the payment but it was the wrong amount. I told her it was wrong and she said she would fix it and I would get an email. I never got the correction email. I called them 2 days later, 1 day before the payment was due, to fix the problem. The nasty manager told me I would still have been responsible for a late fee even though PNC 's customer service agent put through the wrong amount. I asked them to check it. They said they couldn't find the payment at all. Then he asked to process a new payment. I have not received a confirmation yet. This bank is horrible. Their customer service agents do not have adequate training on consumer regulations. Their loan administrators have violated Regulation Z due to not sending me my bill on time and not processing my paperwork in a timely manner. Their loan administration process needs to be enhanced to ensure their employees follow the regulations and process everything timely and give customers the correct information. They also need to send billing statements in a timely manner. Please look into the mortgage servicing practice of this horrible bank.
Disputed with the company XX/XX/2018 and also submitted with cfpb about the original company and they had no validation and deleted the file. I viewed my credit report this morning and seen that another account was added back on the file with the same amount. I have contacted Equifax several times. I have spoke to different reps and supervisors I even noitified them I had sent in a ftc report. I have asked for proof that this account is mine. I have been dealing with this for since XX/XX/2018. What else can be done? I am very disappointed with them.
I requested a student loan for XXXX but never received the loan because I decided to cancel it before the disbursement. Later only to find out they charged me interest on money I never received. I complained but only got the run around. They continue charging me interest on the interest money they said I owed. They place a bad debt report on my credit causing denial to credit app 's. I set up a repayment plan in which the debit from my bank account only later to charge me all over again saying I never paid. They harassed me every day by calling. Till I paid the the money all over again. Just so they would removed anything they placed on my credit report.
The credit bureau 's were reporting a bankruptcy, The courts do not verify a bankruptcy and therefore they pulled that from a third-party reporting agency therefore it must be deleted. 
U. S.Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''. 
The Bankruptcy Courts have also reviewed the Public Record section you 're you Transunion Credit Bureau. The court mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 
My inquiry to the U. S. Bankruptcy Courts confirmed Transunion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 
The Transunion Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release BEARING MY SIGNATURE. 
In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. 
Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days. 
Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the TRANSUNION Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
I had a mortgage with XXXX and when they collapsed it was passed on to other lenders without my knowledge and XXXX XXXX XXXX wound up with it and it took several years before i found out where it was going to and a loan servicing company called Specialized Loan Servicing started sending me notices and then it was sold to XXXX XXXX and XXXX XXXX and I had to hire several different law firms for a Modification which XXXX is now the bankrupt law firm XXXX XXXX out of XXXX New York. They had told me that indeed I was the victim of Robo signing and for years I filled out monthly paperwork for SLS whom I found out was working for XXXX and XXXX and they forced me into bankruptcy and my home and my truck were the only debts I had and I am still in the house and there is a serious problem as the house sits on XXXX pieces of property XXXX of which XXXX county and I have a stake in together ... It gets even more twisted as I am still trying to save my house and I am still in it, I need to talk to someone asap .Thank You
This happened on today, XXXX XXXX 2017 at about XXXX est. 
I should be allowed to access my financial information. I would like to start investing. I want to use the XXXX app. This company requires that I link my bank account in order to make the monthly payment and also to receive earnings from my short term investments. My bank is not allowing me to do this link.
Applied for and received a XXXX dollar loan in XX/XX/2017. To date, I have paid back XXXX and the company is claiming I still owe 13 weekly payments of XXXX, or XXXX dollars in principal.
I used a company called the XXXX XXXX to purchase some products. when I checked out ( using my credit card ) they offered me a service called XXXX pay. This service used YOUR credit card ( from another source ) and sets up XXXX equal payments. AT NO TIME did I give them my social security number or my date of birth etc or authorize ANY credit bureau to check my credit. Well XXXX DID run an inquiry as to my credit and now they refuse to remove it. Again please realize I never authorized this at all. When I called XXXX to complain the girl ( XXXX ) answering the phone stated it was only a soft inquiry. She then left a phone message ( which I saved ) stating that even SHE was unaware of the company practices as to credit bureau inquiries and she was sorry she had given me the wrong information.
GRANT & WEBER has placed a derogatory account on my credit profile without my authorization which has violated the FDCPA. To my knowledge, I do not owe GRANT & WEBER any alleged debt and would like them to provide proof of claim with authenticated verification. GRANT & WEBER has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.
My HECM reverse mortgage was a lump sum distribution at closing. There was never a Line of Credit ( LOC ). However, XXXX XXXX is showing a balance of $ 700+ as Line of Credit Balance. I have called them four times and spoke first on XX/XX/XXXX with XXXX, on XX/XX/XXXX with XXXX, on XX/XX/XXXX with XXXX and on XX/XX/XXXX with " XXXX ''. No last names were provided. They did name their manager as XXXX XXXX but would not connect me. I have explained the problem and they keep saying someone will get back to me. 

I may be selling my home and until this is corrected on the mortgage statement, I will be stuck paying the $ 700+ which I never got! 

Please help me. Phone : mobile XXXX. Email : XXXX Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX
Flagship calls me every day up to five times a day every time I am late on payment. Even, after I advise them I can not make the payment until a specific date ( the day I get paid ). Last week they contacted me at work.
In the mid part of 2015 I pulled a credit report and noticed I had XXXX accounts listed with Pinnacle Credit Services. I immediately contacted them and was told I had XXXX old bills with XXXX. XXXX account was for {$440.00} which I paid because I knew the account was mine. I begin to question the other account they had listed for {$190.00}, I was told that since I did not recognize the information that I should send them a letter disputing this information and request validation of debt which I did on XXXX/XXXX/2015. I received the confirmation that they received the request as well as following up with a phone call to make sure they received it. I have since called on several occasions to see if they have been able to verify the debt. I have been told each time that they have not heard back from XXXX even though it 's already been 4 months. My last call was on XXXX where I spoke with XXXX and who told me the same thing. I proceeded to ask her that should n't they be able to provide this information in a more timely basis and her answer was that it could take months. My understanding was that they had 30 days to validate the debt and if not then the trade line should be removed from my credit report she in return stated that was not true. I am unsure how to proceed with this company as I am getting no where. I would like it removed from credit report ASAP as it has an impact on my credit score. This is an account that is not mine and really feel it is unfair to pay for something that does not belong to me.
Cach LLC never contacted me once about a debt they purchased XXXX XX/XX/XXXXXXXX purchased it from XXXX in XXXX. I havent made a payment on this debt since XXXX. XXXX removed their account fTom my credit report because it 's over 7 years old. Cach LLC however is falsely saying it did n't go delinquent until XXXX and refuses to remove it. When I asked them to send me verification of the debt they refused to do so.
Currently we have a mortgage with a mortgage company called Seterus. We have already set up a login information for the electronic transfer of information. All our information is current and update including phone numbers. Apparently this bank made a change in our monthly mortgage payment in the month of XXXX, 2015 without notifying us about the change. We made our regular monthly mortgage payment for the month of XXXX according to our payment schedule being unaware of any changes in the amount. Finally only few weeks ago we got a XXXX letter about the change in the amount after this bank had already declared as delinquent and reported it to all the credit bureaus. Apparently they never applied our payment in full to our monthly payment and withheld the entire amount to be applied to our account. Once we found out about the change in payment we have caught up with all the changes and are current in our payments. But it is causing us hard ship on our credit rating as we are applying for a new mortgage loan. Therefore, we request your agency to take an action against this institution about harassing techniques and make unnecessary charges and penalties.
These people are charging me a usury interest rate of 500 % and I was not told about it .I am XXXX years old and on social security. I told them that I can not make payments of {$800.00} 0 per month because I only get {$2100.00} to XXXX XXXX and XXXX XXXX on XXXX/XXXX/2017. I will be XXXX  when this thing is paid ... .the account number is XXXX their web site is www.CashnetUSA.com Phone number is XXXX Please help me XXXX XXXX
Some months ago, as I was going through PayPal signing up process, I was also enrolled in PayPal credit without my knowledge. I only recently found out about it. I never requested this line of credit. I am afraid it affected my credit score which most likely affected my mortgage rate from a recent house purchase. I do not want PayPal credit card. I have no use for it. I would like PayPal to correct their action, but I am afraid that getting rid of this line of credit will again hit my credit score. Who is now responsible for the additional interest rate that I will incur over the life of the mortgage?
Crown assett management llc XXXX XXXX XXXX XXXX XXXX XXXX and XXXX   were notified by the State of Michigan on XX/XX/XXXX that they would be receiving XXXX for a debt of XXXX that they have no right to collect in the first place. That leaves a balance of XXXX dollars. However my paycheck was garnished on XX/XX/XXXX for an additiinal XXXX dollars stating a balance of XXXX dollars is due. Why?

Crown Asset received the XXXX dollars along with a possible XXXX dollars on XX/XX/2018 which is a total of XXXX dollars. At this point with more to come.

I have never signed a contract with Crown Assett management, I dont owe them anything. Yet the garnishment is still on my pay check as of today to continue. I called Crown Assett mgt on XX/XX/XXXX and XX/XX/2018. The answer I got is " it is a process ''. No one can tell me how long. In the meantime I have XXXX  children to feed, while Crown Assett was already notified of the XXXX  dollars they were GUARANTEED on XX/XX/XXXX. Crown Assett garnishes my paycheck for an amount that they are not owed. Why is my check garnished and will continue to be garnished when you took my state taxes already. This is an overpayment, unfair, and abusive. Crown asset knowingly took an overpayment after already getting XXXX  dollars. They should have only taken XXXX dollars at the most. Why is Crown Assett this incompetent to a simple calculation as of XX/XX/2018. Why is this company allowed to garnish a consumer twice.
We keep getting automated calls from a " debt collection '' company called FOCUS RECEIVABLES MANAGEMENT. They tell us to call a number, which is XXXX, but we do n't bother because we do not owe any debt. We do not want to receive calls from this company. If they are collecting debt, they are not very good at it. If they are not, they are scammers and need to be dealt with.
I sent a letter on XXXX XXXX, 2016, by US Mail to Citizens Bank in XXXX ( directly to XXXX XXXX, manager of the XXXX XXXX branch, with whom I had spoken previously ), requesting XXXX info on my late uncle 's account. I followed up a month later by telephone and was asked to email the letter, which I did. Numerous follow-up calls, emails, and letters went unanswered. It was not until I took my complaint to XXXX and XXXX that I got the desired result, more than 6 months later.
At the age of XXXX my husband was laid off from his company. He continued to work at XXXX to make ends meet. At age XXXX he was diagnosed with XXXX XXXX XXXX. He was unable to work. We repeatedly called to ask if we could lower our payments. Navient said no but we could do a forbearance. At the time the loan was approximately {$45000.00}. Everytime our forbearance was up we ask for a lower payment. They said no we can only do a forbearance. At one point I tried to pay interest only but could not do that with medical bills, prescription costs, etc. At age XXXX we called again and were told no, ... .the only option available was forbearance. Meanwhile at 10 % interest the loan is well over {$70000.00}. There is no way that we can ever pay off that amount. Now we are receiving calls from multiple companies to " help '' us pay off the loan. I have read that these are scams. I ca n't sleep at night because I know there is no way we can ever pay if off. If we do n't I have read that they can take everything. We do n't have much but what we have we have worked hard for when we were younger and would like to keep. I was never notified that Navient would be our loan servicer until after it happened. I am extremely upset and wondering what to do next.
I settled a deb with XXXX XXXX XXXX XXXX XXXX in XXXX 2014. They reported this to the credit reporting agencies. Both XXXX and Equifax do not have updated information on this debt, which should be noted as " legally paid for less than the full amount, settled '' to be fully FCRA compliant, and this should be dated from the time the debt was settled : XXXX 2014. Instead, this shows 'charged off ' and this is showing up as a charge off on successive months on my credit report.
On XXXX XXXX, 2016 I completed a balance transfer from XXXX XXXX XXXX Credit Card to XXXX XXXX. On XXXX XXXX, 2016 I received a statement that stated I had a remaining balance of {$220.00} and the due date for that balance was XXXX XXXX, 2016. I called on XXXX XXXX, 2016 and was told I needed to call back on Monday because the office I needed to speak to was closed. I called on Monday and paid the balance of {$220.00}, and was told that my account was paid in full and XXXX XXXX would alert the credit agencies that it was paid in full. I then got an alert saying that I had a charge off by XXXX XXXX for XX/XX/XXXX, even though I paid the amount in full. I have attempted to dispute this 3 times through Experian and have been denied, Currently XXXX XXXX is reporting that my account was charge off in XX/XX/XXXX and XX/XX/XXXX. I have never had a late payment with XXXX XXXX, in fact my credit report shows every month was paid on time, and then I have a charge off in XX/XX/XXXX and XX/XX/XXXX. The first problem being, I paid it in full, the second how can they even put a charge off when I have never been late, and how are they putting XX/XX/XXXX and XX/XX/XXXX as a charge off. I have all the paper work to show that I have paid my account in full and on time. When I have tried to speak with XXXX XXXX the were very rude, and so I also took all of their employee numbers.
# 1. I cancelled a product protection plan from Ashley furniture and they have not fully credited my account for {$790.00}. # 2. They have not sent me any updated invoices as per changes, returns and/or credits i.e. console {$230.00} that was returned on delivery and free delivery/taxes ie ... {$8000.00} - $ XXXX $ XXXX balance that should have been {$7400.00} not {$7400.00} # 3. I get asked to wait for a resolution from the Ashley home who has never contacted me. # 4. I had to open XXXX dispute claims for the same issue with Synchrony Bank and keep getting no results because Ashley Furniture sends them false info. The last update actually indicated that my dispute was won. But No amount was credited to me on the next invoice. # 5. They have changed my disputed amount of {$290.00} to {$290.00}. 
# 6. They keep referring to purchases that were made on a different Credit MasterCard and invoice which had all returns credited to me immediately, with the original invoice.
I was the customer with XXXX I did buy their XXXX  in XX/XX/XXXXand paid by my bank card, all done. But I got trick to their offer to try and use their XXXX XXXX, I did try and cancel AFTER they charge me initial try for {$99.00} USD, and monthly they keep charged into my bank card, I cancel and got all the refund back. 
In XX/XX/XXXX I have no choice have to look back XXXX to buy their other product : XXXX XXXX, I did buy and paid by my credit card ... this time their products are not working, I have to return, they got it back and promise will refund back to me the amount I pay, and payment never received from XXXX.After I bought their products they also offer me to apply for their credit card, I surprise ... and try to apply ... week later, I got the reject letter from XXXX XXXX notify me I don't qualify, that letter was from XXXX XXXX .... later XXXX send me a card call XXXX XXXX, last year I apply XXXX but NO CARD, this year DIDN'T apply XXXX  and got the card .... and ridiculous on the card has a sticker : NO ACTIVATION REQUIRED..! so when you receive, you have it, you are the owner you have to pay what ever thay ask you to pay as the agreement, I never know they have the non sense agreement that I never get it in the mail or by email or asking me to check XXXX   page ... XXXX end up I have the letter asking me to pay lamost {$400.00} usd include the late payment which is {$35.00} each poip .... That's the way XXXX trick all customers to buy their products with free shipping. 
I complain about XXXX XXXX and they promise and send me back a letter, they did but NOT IN DETAILS .... what product I bought? and they also give me all the refund but later they charged back ... that's is the point I have to write this letter. 
Thay start search my credit report, from XX/XX/XXXX until XX/XX/XXXX almost more than 10 times my credit report was searched by XXXX & XXXX XXXX  in Florida .... please give me the answer, about the details, FEAR LAW, and PRIVACY LAW PROTECTION .... my privacy was invaded by XXXX & XXXX XXXX at any time they want, they can steal your information to resell to other company online, after XX/XX/XXXX, I got lots of {$1.00} life insurance invitation, car insurance, home mortgage loan and my credit FICO sore was shrink to XXXX in XX/XX/XXXX from XXXX XXXX .... 
XXXX XXXX  also help XXXX to attack customers at the same time, they never give you WHO COME in to check your credit score, on their FICO score I approved they are excellent rating but after I found they are hired by XXXX then the story is finished with XXXX. 
XXXX XXXX  send me letter or billing statement monthly, XX/XX/XXXX they treat me if I didn't pay the bill they will let the COLLECTION AGENT TAKE CARE for them, just less than {$300.00} unpaid bill because the wrong charge and overcharged bill and they never send me the details of the charges.
To Whomever This May Concern : My name is XXXX XXXX XXXX and I have 3 collection accounts on my report that do not belong to me. Also one of the companies are reporting twice on my report, which is, XXXX XXXX XXXX with 2 different amounts, and Diversified Consultants. These items do not belong to me at all. I am attaching my police report and my DL attached to this complaint. The 3 items listed are : XXXX XXXX XXXX-XXXX, XXXX XXXX XXXX-XXXX, and Diversified Consultants-XXXX. These items need to be removed off of my report immediately or I will be filing multiple complaints with the Attorney Generals office and the FTC. Thank you in advance.