WillisBack/dataset-financial-user-claim huggingface dataset:
I had received what I believed to be a generic, private loan from XXXX XXXX to complete my XXXX XXXX XXXX degree at XXXX XXXX XXXX XXXX in XXXX XXXX, California. Since then I have gone through many life changes and had struggled with my health and attempting to move forward with my career. After failing to sustain a living with my health interfering in living a productive life, I decided to apply for XXXX with the federal loan program XXXX. Once I received a federal XXXX approval, I proceeded to apply for the same request with my XXXX private loans : XXXX XXXX and Navient ( who had purchased my loan from XXXX XXXX ). XXXX XXXX approved my request, while Navient forwarded the request to a company called XXXX for review. Despite the federal approval and re-confirmation of my doctor certifying me as XXXX, Navient dragged on the process of reviewing my application. After 8 months of back and forth and following their request for notes and answered questions, I received a letter which can only be assumed as a denial of my XXXX request. There was no instructions on how to proceed, and no clarification of what they were basing their statements on. Their statements also contradicted themselves and made little sense. Navient and XXXX are sending me with inconsistent information from one to the other. They are being completely unreasonable on the standard for discharge and the delays throughout the review, during which interest has continued to inflate. I ca n't work enough to support myself and they are not being compassionate or realistic about my ability to use the degree that I borrowed the money for. I have a difficult time with my XXXX and I am scared to argue the points alone. I have found some legal help through the county services, but there seems to be little hope in this uphill battle.
I gave a months notice and I moved out of a house. The room mates stayed and did not pay rent and received a judgement against them and my name was attached to it even though I moved out. It has killed my credit and would like my name taken off the judgement and restore my credit above what it is now. Thank you XXXX
We were contacted by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX about unusual activity on " my '' accounts - I never created any accounts. We are now in the process of attempting to work through identity theft. In so doing, upon asking for our credit reports, we found many we NEVER requested or approved : XXXX XXXX XXXX XXXX Trying to contact such entities is 'difficult '. In the latter part of XX/XX/XXXX Credit cards were secured by whoever stole my identity and a balance transfer was in process for {$6200.00}. Thankfully, the security person at XXXX XXXX felt something was wrong and contacted me through my wife 's cell phone number. On XX/XX/XXXX a home loan mortgage was applied for, we do not know where. We found this out by a solicitor mailing us an offer of a loan, beginning with something like " you applied for a home mortgage on XX/XX/XXXX ... '' We do not know how to find out where this application was made. XXXX ( XXXX XXXX XXXX, XXXX ) is the solicitor, we are in the process of formally contacting them in an attempt to find out how they know about the mortgage application and who the application is with.
I would like to submit a complaint against PNC Bank, N.A. regarding application, closing and disbursement issues for a home equity loan of credit product that I recently consummated. 

First, regarding my application processing, I originally applied for this loan on XXXX XXXX, XXXX. All information requested by underwriting was provided by XXXX XXXX, XXXX. An appraisal was conducted on my property on XXXX XXXX, XXXX. An approval decision regarding my application was not received until XXXX XXXX, XXXX due to numerous processing delays which very little or no reason was given. 

Issue 1 - A request for increased homeowner 's insurance coverage in the amount of {$650000.00} was received on XXXX XXXX, XXXX. At the time, this amount appeared excessive however, in order to close on the transaction as soon as possible, I increased my coverage. I believe this amount to be excessive, as the full-replacement cost of my property is around {$400000.00}. I am requesting this requirement be reduced accordingly. 

Issue 2- Bait and switch tactic - At application, the product description provided stated that the HELOC interest rate with be 3.18 % with interest-only payments. At my initial scheduled closing, I was told the rate I had been approved was 3.93 % and interest-only payments would require a rate of almost 6 %! This was a clear deviation from the advertised product and I believe is clearly unfair and deceptive in nature. After several complaints and more delays, I was able to close this loan at 3.43 % with interest only payments. As a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I believe my experience with this types of transactions allowed my to properly rectify this issue. However, I believe if this was done to the average consumer, PNC Bank could utilize predatory lending tactics to force homeowners into higher interest-rate products due to their limited understanding regarding the complexities of this product. 

Issue 3 - Disbursement delays - This transaction involved a single disbursement to refinance an existing, {$250000.00} construction loan to a private lender. My closing date for this transaction was on XXXX XXXX, XXXX. As of XXXX XXXX, XXXX, the previous loan has still not been paid off. I currently have two outstanding {$250000.00} loans - one to my previous private lender, and one to PNC Bank with interest accruing on BOTH LOANS. I am requesting an immediate credit of any outstanding interest with PNC Bank, immediate disbursement of the original {$250000.00} that was supposed to be paid at closing on XXXX XXXX, XXXX to my previous lender, and PNC Bank be fined and penalized for breaching fiduciary duties relating to properly disbursing fines. 

Due to these issues, I am also requesting PNC Bank 's mortgage origination practices be throughly examined to investigate any possible predatory lending tactics to ensure conformance with all legal and regulatory requirements and corrective actions are implemented so that consumers will not be harmed by these types of issues.
I have been receiving unsolicited credit card offers from Capital One for over a year. I have filed a complaint in XXXX, 2016 with FTC and wrote a letter to Capital One requesting them to stop sending my credit card offers. They have not stopped. This week alone ( XXXX ) I have received two letters from them containing credit card offers.
Under Maryland state laws statute of limitations, as well as numerous disputes with each credit bureau ( Transunion, XXXX, and ESPECIALLY XXXX  ), each bureau was notified of my being in the security breach in which is involved in a class action law suit. There are NUMEROUS accounts in collections that are not mine. There are also NUMEROUS accounts in which I am an authorized user, wherefore requested by each credit issuer and notification to the bureaus to be removed from these accounts - specifically but not limited to XXXX, XXXX XXXX, and XXXX. XXXX, in particular, after sending a dispute would almost immediately update to dispute completed, thus, clearly ignoring my dispute without investigation. XXXX  hasnt failed to investigate any and all disputes due to the breach and thus, leaving open accounts and collections that are not mine. I have provided documentation on numerous occasions to all bureaus. Transunion has fixed and resolved a few - but not all. All three bureaus have also left accounts from over 7 years ago on my credit report after asking them, per my rights by FCRA. Furthermore, there are accounts from XXXX, wherefore, XXXX  has put in writing to remove all and every late on two different lease accounts in which no bureau has done so, even after supplying the notice in writing due to errors, again violating my rights. Since the breach, I have come across numerous accounts that are not mine. I have had to pay for and try to rectify these accounts and after months of doing this, the bureaus are refusing to acknowledge my proof. I have received NO notices of completion in writing, aside from an update via email from XXXX - which they sent within 24-hours, clearly not investigating my accounts in sufficient time. Therefore, I am requesting that because of this formal complaint and a clear violation of the FCRA laws.

In addition, there are two child support collections on my report, wherefore, a court magistrates order was to delete the accounts from my report, which was provided to each bureau. One bureau did, in fact, rectify this by updating the account to fully paid ; however, they did not follow a court order which clearly states to have both account removed from any and all credit reports due to the fact that we were in litigation for child custody when this went down.
I have received several calls from a XXXX XXXX at Summit Receivables ( I had to research and find what company ). This person /company has told my employer, my children, my parents, my spouse everything about my debt including the fact that they were going to send someone after me. My employer now knows way too much about this and she is somewhat intimidated and frightened. This is so scary. They are bullying me and threatening me and that is not okay. They left a voicemail on my little boy 's phone with everything and he is now scared I will be arrested. This is illegal and outrageous. I may owe a debt but that is no reason to involve and bully so many people.
JCP/Synchrony Bank submitted me to the XXXX XXXX Collections bureau onXX/XX/XXXX due to a {$5.00} delinquent payment. According to my notes myoriginal balance was {$48.00}. They later charged me {$25.00} for a late fee for XX/XX/XXXX and {$25.00} for XX/XX/XXXX. This, along with interest increased my total bill from {$48.00} to {$100.00}. ( please see details below ) Their incorrectreporting of me resulted in a decrease to my FICO score of nearly XXXX points. 
I want them to send a letter to me and to the Collections bureau to correct andremove that delinquency. Please see payment history below:XX/XX/XXXX JCP/Synchrony bank submited me to collection agency fora delinquent amount of $ XXXXXX/XX/XXXX Payment taken from my checking account and sent toJCP/Synchrony in the amount of {$5.00}. 
XX/XX/XXXX Payment received from me by JCP/Synchrony in theamount of $ 100.00XX/XX/XXXX No bill receivedXX/XX/XXXX No bill receivedXX/XX/XXXX Payment received from me by JCP/Synchrony in the amountof {$50.00}. I thought this paid off my {$48.00} balance. 
I disputed with the credit reporting company on XX/XX/XXXX ; no responsereceived. Said it will take them 60 days to investigate.
A loan modification application was submitted on XX/XX/XXXX to lender, but they are not doing anything with it apparently. These are violations of the VA servicing guidelines
We were notified in XXXX that we were in danger of facing foreclosure and that we had to act on the Act 91 Notice that they forwarded to us on XX/XX/2018. We contacted XXXX XXXX XXXX to help us complete a HEMAP application and complete the Hardship Package we were sent. Since then with the assistance of XXXX, HUD/FHA and NACA we have submitted 5 Hardship Applications all of which except for the very last one submitted yesterday have be summarily rejected for one flaw or another. We have been served Foreclosure Notice and are afraid that while we are in the process of waiting for a response from the Mortgage Company regarding our latest RMA/Hardship Application that our house will be sold out from under us.
Dear Sir/Madam, In summary, I have disputed a charge on my credit card, placed by a vendor in Italy ( XXXX XXXX XXXX ) which charge me XXXX EURO. I disputed the charge with Capital One immediately, but the dispute was denied due to forged documentation the merchant had submitted. He submitted the following : - A credit card authorization for my Capital One credit card that I had never seen or signed, but the merchant forged my signature on the credit card authorization - a forged and completely made up invoice for services and charges that was never ordered, delivered or received - added my XXXX XXXX credit card number to a document that I had signed previously for the return of rental cars, however that credit card was added AFTER I had signed the document. He claimed that the security deposit was charged this credit card, even though there is no record of that and in addition, the merchant previously claimed that he does not at all accept XXXX XXXX ( all documented in the email thread with the merchant ) Furthermore, the merchant also claimed that I had personally visited his agency in XXXX, which I never did since all bookings with the company went via XXXX XXXX XXXX XXXX in XXXX, via email Any charged I had with XXXX XXXX XXXX in XXXX and or XXXX XXXX XXXX XXXX in XXXX were paid in full per below : Total Rental Charge : XXXX EURO ( see enclosed contract ) Paid : XXXX EURO with XXXX XXXX ( statement attached ) Paid : XXXX EURO with Visa Card ( XXXX XXXX XXXX statement attached ) At the time of the actual services in this case a luxury car rental for 2 cars, a XXXX EURO deposit was placed on my credit card, to be fully refunded upon return of the cars. Both cars were returned in perfect condition and the refund was due : Deposit 1 : XXXX EURO placed on XXXX XXXX - this was actually refunded Deposit 2 : XXXX EURO placed on Capital One credit card. This was never refunded, but rather charged in full with the forged documents provided by the merchant to the credit card company.

This is fraud by every legal definition. However, Capital One has not considered all the detailed documentation I had submitted, from credit card statements, rental contract with XXXX XXXX XXXX XXXX, entire email threads with these companies and even XXXX XXXX with the merchant XXXX XXXX directly.

Capital One has left me to fight this out with a clearly criminal merchant, rather than resolving the dispute on my behalf as their customer.

In addition, I had almost weekly call with Capital One 's Dispute Call Center, yet every time I spoke to a different agent and every time the instruction was different, anywhere from having to submit more information to do nothing and wait since the dipute is coming my way anyway.

I greatly appreciate your help and assistance in this matter.

Best regards and thank you, XXXX XXXX
I was affected by the 2017 Equifax hack. I checked on the website  and it told me that : "Based on the information provided, we believe that your personal information may have been impacted by this incident."
last thursday XX/XX/XXXX-2017 I made a deposit at the bank of america location in XXXX. I was informed that they were going to place a hold on the deposit. Well its been a week and now there saying its going to be 3 more days for a total of 9 days. This is really putting me in a bind. I am suppose to go out of town on business and I have no way to pay for my hotel because Bank of america wants to hold my depost. I have called bank of america customer service, i have went in to a location and spoke to a manager but so far they have been absoltey no help. I am incredibly frustrated with this bank. The company that wrote the check even said they could verify funds and bank of america customer service refused to let that happen. This has been one of the worst experiences I have ever had with any bank. One of their customer service reps even told me that i could go to an ATM and overdraft my account if i needed the funds.like what kind of company will do that. Bank of america deserves a very hefty fine over stuff like this.
Pinnacle Credit Services had placed a collection in XXXX of my credit reports. I became aware of this following my receipt of a copy of my annual credit report, in XXXX XXXX I had not received any prior notification of this alleged debt from Pinnacle Credit Services. I contacted Pinnacle via mail, requesting verification of the alleged debt including all information concerning this alleged debt. Pinnacle chose to ignore or refused to respond the written request. I followed this with a complaint to the XXXX. Pinnacle responded to this complaint with the same standard reply that they have issued to every complaint filed with the XXXX. The reply by this company states : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX VIA Electronic Mail Re : Complaint Case No. XXXX Dear XXXX, Pinnacle Credit Services , LLC ( " Pinnacle '' ) has received the above-referenced complaint. Pinnacle is unable to verify any of the information provided by the complainant. Due to the nature of Pinnacle 's business, we encourage the complainant to contact us directly at our toll free phone number ************, where we may address these concerns securely and in compliance with state and federal law. Sincerely, Pinnacle Credit Services , LLC '' I did place a call to the number provided in the response. The company refused to discuss the account over the phone. However, the company did remove their trade line from my credit report. On XXXX XXXX, of this year, I received a XXXX from this company. I immediately placed a call to the phone number provided on the XXXX, and left a message on the voice mail for this company, basically demanding an explanation. The following day, I received a phone call from XXXX, pertaining to the message I had left on the voice mail of Pinnacle Credit Services. The individual who called told me that he could not disclose any information. That he knew of no option for me obtaining the information I had requested. He had no explanation as to why I had not received any information prior to my receiving the XXXX. This call by " XXXX XXXX, XXXX. was nothing more than a scare tactic. Pinnacle Credit Services did not follow any state or federal law. And certainly did not follow the laws, pertaining to the Fair Debt Collection Practices Act or the Fair Debt Reporting Act. A certified letter was sent to both companies following the phone conversation on XXXX XXXX, XXXX. XXXX companies have continued to ignore or refuse to acknowledge any and all request or demands. Though XXXX letters have been received by the XXXX companies.
My care credit account was charged for the wrong amount by my dentist. I disputed this amount and was advised by Care credit this will be credited. I called and spoke with several agents however I kept getting told this will be credited and the issue resolved. Care credit also enrolled me into one of their insurance plans where by they would make my payments if I was XXXX or became unemployed. It so happened I did become XXXX and later unemployed and provided all documents requested by care credit .I was getting charged a monthly fee for having this insurance to pay for my care credit account while I was XXXX and unemployed. Care credit did not pay a single penny towards my bill and the dispute was never resolved. Everytime I would call I would be told the account will be reviewed and no one would take ownership. Finally they sent my account to collections and I disputed the collections account too. The different companies my account went to never sent me any correspondence. I was able to obtain all this infor from Care credit after calling several times. Finally this account was sent over to XXXX XXXX XXXX XXXX XXXX and I requested a validation of debt letter. Till today this company has not provided that and has threatened me several tme that they will sue me and will make sure I lose my JOB. They served a letter to a XXXX person where I get mail and this letter was open. employees at the XXXX  store knew what the content of the letter was as well as it was handed over to them. I have called Care credit again and again and now keep getting told care credit has changed names and I am not able to obtain any information from then. I have to call the attorneys office who the debt was sold to. Care Credit sold this debt to a 3rd party and now I am been told by XXXX XXXX XXXX XXXX XXXX since they purchased this debt they are not obligated to provide a debt validation neither can I dispute this debt at all. XXXX XXXX XXXX XXXX XXXX advised me they will sue me unless I paid {$500.00} upfront and pay the balance in a lump sum. I am been charged for a debt that I do not owe nor can this debt be validated by Care credit or XXXX XXXX XXXX XXXX XXXX
I have an issue to open bank account since XX/XX/2015 because bank of america made mistake and put my name under fraud activities and closed my account. 
I cleared my name with XXXX and I have identity case. 
I cant open account because bank of america still blocking my name. 
Can you please help me. 
Thank you.
XXXX is ending it 's relationship with XXXX XXXX and in doing so is transferring all of their credit cards to XXXX XXXX cards. I have not applied for a XXXX XXXX XXXX and yet a new card is being issued in my name. How is this possible. I do not want a new visa card and I did not apply for one. According to XXXX and XXXX XXXX the only way to cancel this card is to cancel my XXXX card or wait until XXXX XXXX and then cancel the new XXXX card. Either of these items will show up on my credit report. I am very unhappy with XXXX and XXXX XXXX that they can open a new account in my name that I have not applied for and never do I want. Is XXXX so large that it can do whatever they want with my financial records? Shame on XXXX and shame on XXXX XXXX!
EQUIFAX , after investigation is incompetently reporting inaccurate information on XXXX XXXX ACCOUNT XXXX XXXXEquifax verified false and damaging information, contrary to THE FCRA, ACCORDING TO THE ATTACHED REPORT. 
IT IS OBVIOUS, ON THE FACE OF THE RECORD THAT AN ACCOUNT CAN NOT HAVE A CURRENT STATUS OF 120 DAYS LATE, IN ADDITION COMMENTS THAT IT IS 180 DAYS LATE WHILE AT THE SAME TIME REPORTING A PAYMENT OF {$3800.00} PAID IN XXXX OF 2011 AND THAT THAT ACCOUNT WAS PAID AND CLOSED BY MAKING THAT PAYMENT OVER 5 YEARS AGO. 
THE STATUS OF THE ACCOUNT IS PAID.DUE TO THE INTENTIONAL FABRICATION OF FURNISHER AND BUREAU AND THE FACT THAT I HAVE ALREADY ENDURED AN INVESTIGATION THIS ACCOUNT MUST BE DELETED ACCORDING TO FCRA. 
THE FACT THAT IT IS A PAID STUDENT LOAN SHOULD HELP IN THE COURTROOM TO OBTAIN DAMAGES FROM BOTH EQUIFAX AND THE FURNISHER ( A GOVT.PROGRAM LOAN ADMINISTERED BY PRIVATE BANKING. )