WillisBack/dataset-financial-user-claim huggingface dataset:
I had hail damage to my home, deck, metal shed, patio heater, pool and other items XXXX 2016. XXXX issued XXXX check for everything. I have submitted replacement costs for deck stains, replacement shed, patio heater. PNC refuses to release money stating the check from XXXX is for repairs to home and other structures and I need to contact XXXX for money. I spoke to my agent in XXXX, Il along with claims adjuster and they state all damaged items were included in one check and PNC needs to release money to me. I have hired a company to repair home and contacted PNC on numerous occasions to get money to repair non structural items. They just keep telling me my insurance company needs to write me a check. In the meantime I am encountering more damage to contents in my shed, having to postpone repairs to my pool and deck due to the uncooperativeness. I ask to speak to management and continually told they are in a meeting or away from desk .Can never get beyond customer service. they will not even give me a number to leave a message. I have been trying to resolve since XXXX We hired an adjuster because we went through same issues 4yrs ago and even the adjuster could not get PNC to cooperate. PNC refused them their % age. We had to borrow money to pay the adjuster to move forward and now 5 months later I still have no repairs. I even went to the local branch in XXXX Mo. and they tried calling and could not get a reply. I have done everything I did 4yrs ago and for some reason the rules have changed and what I did 4yrs ago is n't working this year. My last conversation I was told that they are doing me a favor and reviewing to see if they can make an exception to allow me money to fix my shed. I had to sign affidavits and other paperwork stating I will make repairs to all damages received, however they will not release any money to do so, which in turn is causing more damages to my property. I am asking please for some help so I may get repairs done prior to weather getting bad and everything in my shed is destroyed. I have tool sheds, power tools, bikes, mower and other high dollar items. Who will replace them if they are damaged beyond repair? I have tried Mo. Div of Finance who referred me to you. I have contacted my insurance company, the claims adjuster and Mo Dept of Insurance. I have paperwork and email messages if you would like to see them. Ultimately I just want my home back to where it was prior to the storm. Per PNCs initial paperwork that 's what they say they want. But now that they have to release money it appears they would rather have my home deteriorate while they collect interest on the money. Thank you very much for reviewing my complaint. I will be anxiously waiting for your reply. 

Sincerely XXXX
Issues with repayment of loan and processing payments incorrectly. Please evaluate the issue and find a solution.
American Express states that I have an account with them that was opened in XX/XX/XXXX. I have no such account. They also state that the account has not been paid and was Charged Off. All XXXX credit reporting agencies have this account as a Charge Off and only have five months of activity in XX/XX/XXXX. This account is not mine and has been disputed with all XXXX credit reporting agencies and American Express. Nothing has been done about it. I have asked for proof and they have not provided anything to support this account. I am all prepared to file legal action. The amount that they state is owed is less than an attorney will cost. I am filing this complaint because the account is not mine. I have told American Express that if they want me to pay the account than they need to send me an active credit card and put this account in good standings. They have ignored any and all communications that I have had with them over the last several years. Please Help.
Hello CFPB, My complaint is regarding the Automatic PMI termination requirement to my loan. After multiple written attempts to PNC Mortgage, I finally received a response to my inquiry about automatic termination of my PMI and whether I had reached the loan to value ( LTV ) threshold for termination. PNC Mortgage provided written correspondence ( dated XX/XX/XXXX ) that stated the following : " At the present time the LTV in your property is XXXX % '' and they went on to communicate how this value is calculated. Instead of communicating that the Homeowners Protection Act requires the PMI I pay on my loan be terminated once I 've met the XXXX % threshold, they provided me with information on how I can Request PMI cancellation and pay for an appraisal through an entity affiliated with PNC. 

I recognized steering me to a cancellation process ( where I have to pay for an appraisal ) might be an oversight because within the letter they also provided me with my " Appraised Value at Loan Origination '' and after applying the calculation within their correspondence letter I calculated the same XXXX % LTV ratio that was quoted by PNC Mortgage. This ratio should trigger automatic PMI termination but it was not communicated in the correspondence ( dated XX/XX/XXXX ) or in the next correspondence ( dated XX/XX/XXXX ), after I brought this to PNC Mortgage 's attention. The follow up correspondence ( dated XX/XX/XXXX ) surprisingly neglected the fact that my LTV ratio is XXXX % and instead communicated that now " The PMI is scheduled to automatically delete on XX/XX/2017 '', when I reach the LTV ratio of XXXX % which is a complete disconnect from the previous correspondence. I have not been provided with adequate correspondence as to why my loan with an LTV ratio of XXXX % is not set to terminate automatically. I should not have to pay for an appraisal based on the requirements within the federal law and now I am paying additional PMI even after reaching the termination threshold under the law. Attached are the two correspondence letters that were provided to me by PNC Mortgage supporting my complaint. 

Best Regards
The Bank of America cleared a deposited check and I drew against it. At XXXX XX/XX/XXXX they paid a transaction for {$1000.00}. At XX/XX/XXXX they paid another transaction for {$24.00}. At about XX/XX/XXXX they declined a transaction and debited my account for the amount of the check. They say that even though they cleared the check, I am responsible for the bad check amount. In other words, they want it both ways. This is the absolutely worst bank practice, that penalizes the little guy for THEIR mistake. See attached.
This problem is with my Equifax report hand the way the agency has handled my dispute, I noticed two fraudulent account on my report back in XX/XX/XXXX of XX/XX/XXXX, After inquiring around I was told how to tackle this issue I reached out to Equifax and ask them to provide me facts that this account is accurate and to provide me proof and method of verification, however all they did was send me back a report saying that it was verified no insight, Ive contacted the two creditors who have failed to corporate because they have sold the account so they are not investigating and Equifax is not demanding that these two creditors supply detailed information to me, I them reached out to FTC and they told me that I need to fill out the IDENTITY THEFT REPORT which is the same as a police report and send it to Equifax and they must delete the fraudulent accounts in 5 buisness days, Equifax have ignored this order and continue to report these unauthorized accounts, they have never done any true investigation, Im asking that the CFPB look more into Equifax and see to it that they are following the fair credit reporting act, which clearly state that they must go beyond the original source of the information to prove accuracy, its also the reporting agency job to make sure the account is correct and they also have the authority to remove the files if they are not accurate in findings and if you find its accurate supply the information to the consumer ... Equifax have done none of the following, the accounts are listed below ... also Equifax continues to make updates every time i dispute like removing a late payment or two then next dispute adding a late payment and they are doing this and then sending me a verified and say they updated the account, but why u keep making changes? And then reversing changes no investigation is being done and the account is to be delete as they are not mines ACCOUNT : XXXX ACCOUNT : XXXX XXXX
My Discover Credit Card was lost or stolen and unauthorized charges were made using my card. I timely reported to Discover and was very cooperative with their investigation, even named them persons when they asked about people that had recently visited my house. They closed the account and sent me a new card. However, from thereon, they started bothering me with frequent calls demanding aggressively to file police report on people whom I may suspect in stealing my card or just go to police and file report regarding lost card. Their representative named XXXX keeps rudely interrogating me demanding " yes '' or " no '' answers to her questions, and blackmailing me saying that if I did not file police report then I would be responsible for those not-authorized charges. I doubt that such a demand is legal. 
I am XXXX, suffering from XXXX XXXX XXXX and have XXXX XXXX. Their rude and aggressive demands negatively affect my health.
Macy 's w ebsite showed the balance owed and I paid that balance. I requested that my credit card be closed.     I continued to be on their email list for sales but just ignored the mails then I get a call a few months later saying that somehow when I closed my account they billed me another dollar so I had a few months of fees ( each month a few more dollars to be paid ). I did not think this was correct but the representative assured me that if I paid the  XXXX  the account would be  XXXX  balance. He processed the payment and then the next month I see again they are charging me another fee.     When I complained over their website portal they said I 'd have to call another part of their company to take care of it. When I explained that I would make a legal complaint against their company they replied that they were sorry and " Our record indicates that your account was closed on  XXXX / XXXX / XXXX , as you requested. As of today,  XXXX / XXXX / XXXX , you have a zero balance. '' Now I get an email and it has a balance due for  XXXX  of {$2.00}! How many people are they doing this to?
XXXXXXXX XXXX Hospital Colorado referred a debt to collections. XXXXXXXX XXXX Hospital sent the bill to an old address of ours and never bothered to notify us. I received a phone call from a debt collector that would not identify themselves. I've been trying to track down the name of the agency XXXX XXXX Hospital of Colorado referred the debt to, but they refused to respond to e-mails when we inquired about the debt. We contacted XXXX as they would not answer the phone number listed on their statements and website. The first e-mail I sent was on XX/XX/18 and I finally got a response XX/XX/18.
I sent a letter to XXXX XXXX to dispute the information on all three of my credit reports asking for verification. It has now been over thirty days and I pulled my credit report I have not received a response from XXXX XXXX nor have they marked any of my reports disputed within the time frame per the fcra
My last initial payment owed to AES was XXXX. I payed them sometime in early XX/XX/XXXX like on the XX/XX/XXXX or the XX/XX/XXXX in the amount of XXXX dallors. They only applied about 60 dallors and when I asked why they said I have to pay interest, which made no sense. Interest accrues every month and according to a statement that had my interest it explained that its 6 percent for the year, which I surely dont believe they acounted me for. I disputed this reaction with my bank who saw through the deceit since I provided images to support my claim and they rewarded me back my XXXX dallors. Now, AES is saying Im 26 days past due and claiming my loan is delinquent. Can someone resolve this?
Saying I owe at Wells Fargo and also saying I owe at XXXX XXXX XXXX which I have never open any of those accounts ever so now my account is on freeze because of this.
Reference complaint XXXX in which XXXX attempted to collect a debt from me. XXXX is now attempting to collect a debt with a similar balance and referencing the same paypal credit account # XXXX. COMENITY CAPITAL BANK continues send this information to collection agencies to attempt to collect this debt which I do not owe and have no knowledge regarding.
please find attached the creditors letter for which they have approved of the delinquency being inaccurate for my BMW accounts XXXX letter attached ). 
i have already received approval from the creditor to have this inaccuracy removed therefore please help to have the credit reporting agencies remove these negative marks as well thank you
Per FTC Regulations, I am officially requesting for Santander or any of its ' affiliates to contact me via phone ( especially XXXX ) at any number nor my references. Please feel free to communicate via writing per US Mail. Best regards, XXXX XXXX XXXX XXXX XX/XX/18 XXXX XXXX Dear Customer, Thank you for your recent web submission. For a better assistance, Santander Consumer USA offers you two options : You can contact us at our relay number at XXXX or you can contact us through our Live Chat feature. Thank you.
XXXX   shows medical bills unpaid that should not effect my FICO score   XXXX    dropped my score over  XXXX  points due to these outstanding medical bills that insurance failed to pay.   Additionally  XXXX  should not effect fico score based on new law passed No other reporting agency shows these medical bills I have asked several times to have removed by  XXXX  and they continue to ignore my request!
To Whom It MaXXXX Concern : This letter is to dispute the late payments reported to the credit bureaus for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. My account for 10+ years has been on ACH with PNC where payments have been drawn directly from my bank account via the National City and  now PNC XXXX. For some reason in XXXX when my interest rate was raised, the ACH payments did not change and continued to draw on the PNC website with the old amounts. In XXXX while talking to a representative, I paid over the phone the outstanding balance, asked to escalate the late fees, as well as filled out a new ACH form as recommended by the representative, so as to avoid this situation moving forward. The payments continued to be drawn by ACH for an amount different then the amount due, and the late fees were never addressed. I called almost monthly after the new year speaking with many representatives, over and over trying to solve my problem to make sure the correct payments were being made. I filled out several more forms, as well as went online and changed around the ACH schedule there as well. 
Finally, XXXX in escalation department was nice enough to credit back some of the late fees recently, as she saw in the history all my efforts and my submitting of the form over and over in attempts to fix this issue. Finally in the last few of days, a representative and walked me through the ACH online process yet again, stating that the form wasnt going into effect because the online ACH was overriding it. He understood my frustration and recommended I send this letter.
I tried to dispute with Experian an item is in my credit report and tehre is a process of a Validation of the Debt with XXXX XXXX also, I Kept Experian aware that I was in the process of Validation of the Debt therefore they can not continue reporting anything if a validation is not provide to me from the collector I 'm dealing with. but seems Experian do n't respect my FDCPA rights they still reporting an item is not validated, see the attached validation letters I sent and XXXX never responded. 
Collection agency if they do not validate a debt can not continue to pursue collection activity .see FDCPA Section 809 attachment. thank you
I changed Auto Insurance Companies and for some reason XXXX XXXX thinks I owe them {$190.00}. I have requested written verification of this debt and unfortunately every time I do the debt is sold off to a different collection agencies.
I never opened this credit card. It says it was opened in 2007, but I was a minor then and could not have opened this credit card.
I noticed a fraudulent credit card in my name and I contacted the bank and told them I never applied and its still on my credit report ( XXXX ) and I send in some documents and I never heard back from the fraud department and I call and left a message and never heard back and I have the account number that was opened up in name and I didnt applied for this card and it has a outstanding balance of 2,000
I tried obtaining an Equifax credit report through annualcreditreport.com After making several attempts i was instructed by the annualcreditreport.com website that my credit report could not be accessed at the time and was instructed to contact the credit bureau directly. I spoke with XXXX throught the Online Chat option and he instructed me to call the customer service phone number and get ahold of a representative. So I called XXXX which is the customer service phone number for Equifax. I explained the situation with the representative over the phone so she asked for my information for verification purposes and she told me that my address on file had not been updated and that my birthday was incorrect as well. She said she could process the request for a copy to be sent but that it would be sent to the address on file which is not the address that I am currently living at. I asked if there was anyway i could update or correct that information either over the phone or online and was told that the only way was to send a letter with a cover letter and a copy of my social security number, drivers license, and birth certificate. I was not satisfied with this answer as i was able to update and or correct information on my credit report through XXXX and XXXX with no issues. I contacted another Online Chat Agent and was told that in order to update/correct that information and get a copy of my credit report i would have to mail in copies of the required documents along with a cover letter explaining the reason for the letter or fax in the information. I do not feel comfortable either mailing copies of any of this information or faxing copies of this information specially after i was a victim of the Equifax data breach.
I have been a satisfied Citibank Customer for the last 7 years. Despite I dont live in United States, I opened an account in XX/XX/XXXX in  XXXX, Florida. Since then, I use it just for savings. 
In XX/XX/XXXX, I tried to go into my online Citibank account and I could not. So, I called at Citibank call center, just to find out that my account was closed by Citibank and It was empty. They did not notify me about the closing. 
It was a real shock for me, because I did not use this account as my day to day checking account, but as a savings account. When I asked for the last movements of my account, the operator described to me 9 different unauthorized withdrawals that happened during XX/XX/XXXX. Three ( 3 ) of them were made physically in different branches of the bank. As I said I dont live in USA, so I immediately denied them. Attached you will find the details of this movements, for a total amount of USD XXXX. This information was all supply to me by the Citibanks Call Center. It is VERY important to note that when all this movements took place I was not in United States. Even worst, I actually have never been in Illinois, in my whole life, where all the face to face withdrawals were supposedly made. 
Also, the operator said this movements were made with a debit card ending in XXXX, that I never had. My actual debit card ends in XXXX, and it is physically WITH ME at this moment. My expired debit card ended in XXXX. 
As I denied this movements, he put me on contact with the dispute department. They asked me if I had already done a complaint with the Police, and I answered I have not yet because I live in XXXX de XXXX and I have no plan to travel to U.S.A. After that, an internal investigation was opened and she gave me a following case number. 
In XX/XX/XXXX, I called to the same Citibank phone number to follow my case ; and the operator told me that the case was denied because I had not make a formal complaint with some police department. She also told me that If I want to re-open the case I need to make a complaint. ( And suggested that I need to travel to U.S.A. and talk directly in a Citibank branch ). 
After I made it public on XXXX, they call me and ended up opening a formal complaint ( In fact, two ( 2 ), one for branch withdrawals, and other one for ATM withdrawals ) and I am still waiting to know the results. I am really needing your help to go forward with this investigation. It is my savings for the last 7 years, and I need my money back. As I said, I was not in United States when the movements happened, I have never had the debit card ending in XXXX, and It wasnt me who made the withdrawals. Also, due to my account history, they can see that this type of movements was very unusual. 
Also, I made a complaint with the Federal Trade Commission ( FTC ) which I report an identity theft. Attached you will find the report.
I had filed a previous complaint and listed it as wrong original creditor they werent XXXX XXXX but this one is the complaint for other one is the same its some 12 loan company which I dont know who they are that complaint is XXXX. This complaint is about XXXX XXXX. I attempted to clear this matter with them by filing a dispute through XXXX and then they said it meets FCRA. I havent been contacted by them even when I disputed this matter and never given proof of what it is I owe and why. I have never been sent any communication and it keeps appearing on my credit.
I applied for a installment loan with BigPitcure loans. I qualified for {$800.00}. When agreeing to such a loan over the phone no mention of the interest rate. The only thing that was mentioned was the due date of XX/XX/XXXX in the amount of {$280.00}. Then nothing was mentioned that this was a biweekly loan. I get paid twice a month. I have logged in to see why this was and guess what my interest rate is XXXX % I will be paying {$280.00} biweekly until XX/XX/XXXX ( yes XX/XX/XXXX ) this is {$6800.00} once I have paid back. They had played me and I was not informed this was such a high interest rate as well as this was a biweekly loan. I borrowed {$800.00} and will eventually pay back {$6800.00} that is illegal it is a scam/shark loan. {$6000.00} in finance/interest no way. Payday loans are illegal in XXXX ( which is the state I live in ) this is a payday loan if they are asking when I get paid and taking out {$280.00} every time I am paid. I again was not told what the interest rate is only that the amount approved was {$800.00} and my first payment is {$280.00}.
Hi, Wells Fargo bank is going to close my bank account before XX/XX/2018, however, they did not imply why they are closing, so I tried to contact them on the phone, but the representative did not know the reason why this action happened either, they just saying " I'm sorry sir, we don't know the reason, and you can not open another account in Wells Fargo in the future as well, Its Bank 's decision. " I do know that I have several large deposit from overseas and in the domestic as well, but I did present my report to the bank, which the banker helps me to do it in Wells Fargo branch. And the funds from overseas, they are all comes from reliable sources. In the conclusion, I just want to figure it out why the bank is going to close my account, and I am not going to be tight-lipped until this situation get correct.