WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing this in regards to my loan application that was declined by PNC bank. They already gave me the {$81000.00} in 2006. In XXXX i submitted an application to convert the load from a HELOC to a XXXX mort. as they had contacted me telling me the loan was coming due and needed to be renegotiated., so i complied and submitted all my information. 
When i initially applied i wanted to be sure they knew what had happened on my first mortgage, that i had been contacted by XXXX and they had offered to modifty my loan by {$120000.00}. In the decline note from XXXX XXXX she stated " that i had a modification on the HELOC which is incorrect ''. I was startled and amazed to the point that when XXXX offered the modification that i sent the documents to my attorney to review to be sure this was not a scam. She told me to sign and return them immediately and that they were one of the banks that had their hand slapped and " lucky me '' I was one of the lucky ones to benefit. It does not feel as much like a benefit now. 
I am a XXXX old, single woman, and I want to retire but i need this in place so i may but now that PNC has declined my app due to the modification I will be in a very difficult position. 

Why would a bank that has already given me the money 10 yrs ago turn me down now, my credit score is XXXX, i am making double payments to them and have not had a late payment in many years anywhere. 
I need help, how can i get a loan for XXXX when the bank that already gave me the money turns me down. Why would a modification that i did not apply for affect my situation? 
Please help me any way you are able. Thank you XXXX XXXX
Heating service claimed they checked my furnace and that the heat exchanger was cracked. They tried to sell me a new furnace. My wife says the worker did not even open his tools and certainly was not there long enough to have checked the heat exchanger. 
When I re-checked the furnace, It took 5 minutes to find the exhaust outlet clogged with coke from the exhaust pipe.I discussed this with the heating company and got no satisfaction. The credit collector got the same explanation and very clear pictures. they never replied to my picture evidence. But filed this none payment. This is abuse.
My name is XXXX XXXX AND I AM FILIND A COMPLAINT AGAINST AMERICAN EXPRESS CREDIT CARD. I HAVE NEVER APPLIED FOR ONE I WAS GIVEN A CARD BY MY EMPLOYER AND WHEN THE BUSINESS CLOSED I WAS STUCK WITH THE DEBT OF THE CORPORATION. I AM NOT AN OFFICER OR PART OF THE CORPORATION, I WAS ONLY AN EMPLOYEE. I HAVE DISPUTED THE ACCOUNT WITH AMERICAN EXPRESS OVER FIVE MONTHS BACK AND FORTH ASKING THEM TO VERIFY THAT I HAVE SIGNED ANYTHING THAT MAKES ME LIABLE FOR THIS DEBT. 
THEY HAVE FILED A CIVIL LAWSUIT AGAINST ME AND HAVE PUT A LEVY ON MY ACCOUNT. THEY HAVE BEEN WITHDRAWING MY MONEY WHEN THEY SENT A LETTER INDICATING THAT THEY HAVE NO SIGNATURE ON FILE FOR THE ACCOUNT THAT WAS OPENED UNDER MY SOCIAL. IT IS A VIOLATION OF CREDIT REPORTING LAWS. HOW CAN I BE BINDING TO A DEBT WHEN THEY HAVE NOTHING BEARING MY SIGNATURE. I AM DEMANDING THIS LAWSUIT BE REMOVED FROM MY NAME AND MY ACCOUNT TO BE CREDITED BACK THE $ XXXX THAT WAS TAKEN FROM MY ACCOUNT RETURNED BACK TO ME IN FULL. BASED ON FDCPA Section 807 ( 8 ) AMERICAN EXPRESS FAILED TO COMPLY. NOT ONLY DID THEY SEND A LETTER INDICATING THAT THEY WILL DELETE THE ACCOUNT OFF MY CREDIT BUT THEY CLAIMED THEY HAD NO SIGNATURE ON FILE FOR THE ACCOUNT YET I AM LIABLE FOR THE DEBT THAT IS ALL WRONG AND COMPLETE VIOLATION OF FEDERAL LAW FAIR DEBT COLLECTION PRACTICES ACT AND FAIR CREDIT REPORTING ACT WHICH ENTITLES ME TO DAMAGES OF {$5000.00}. THIS LAWSUIT NEEDS TO BE RETRACTED AND THE ACCOUNT CLEARED COMPLETELY FROM MY NAME WITH FUNDS RETURNED BACK TO ME AND THE LEVY REMOVED OFF MY ACCOUNT.
I have been making on time payments to a Capital One XXXX but between the months of XXXX 2016 and XXXX 2016 it says I have made zero payments. This incorrect reporting to the credit bureau is hurting me. It says I have made {$0.00} payments to Capital One yet I have my bank statements AND payment history from Capital One website showing differently. I want Cap 1 to report correctly to show I made payments to them during those 4 months. I have been fighting this but they will not budge, even with proof they will not do anything.
I was told at in store in XXXX that they would not automatically take it out of my account that i had a choice to come in and pay l. I asked them before they linked my card and they said yes maam we will not automatically have it tooken out of your card and today they called me telling me that they would take it out of my account tomorrow without my authorization. Without me saying yes which i found disrespectful. So now my account is going to be in a negative because they are taking out of my account instead of letting me pay them the date i said i could
My daughter is being treated for XXXX. XXXX bills were sent to collection that I was never notified about. Her insurance companies were billed. In XXXX instance, the hospital billed the insurance company incorrectly. They have since corrected the error and I recieved notice that the item would be removed from my credit but it has n't yet. In the other instance, the bill was in dispute and has since been paid. It should not have been reported as a collection. I learned about these collections when applying for a mortgage, my over XXXX credit score had gone down XXXX points because of XXXX collections that should have never been reported. It was a nightmare to get the creditor and the insurance agencies to resolve this. Talk about being kicked when your down, dealing with a seriously ill child and having your credit negatively impacted.
Trellis Company, formerly known as Texas Guaranteed, contacted my employer on XX/XX/XXXX with a garnish order for unpaid student loans. This issue is the error of the Trellis Company. For every semester a student takes a loan, the company has it in their system as a separate account. I send one check a month and the company splits the payment between five accounts. 11 months ago, they started splitting it between four accounts and left one unpaid without notifying me. My credit is ruined and they are going to garnish my wages for 15 % of my income. When the error was pointed out to them, they sent me an email on XX/XX/XXXX acknowledging their mistake but said it would take 30 to 90 days to process the paperwork in order to stop the garnish. This is unacceptable. No one with the company will give me a last name or employee ID number. 

Address of Trellis : XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone Number of Trellis : XXXX Email of Trellis : XXXX XXXX
Received a refund check for a credit on a credit card account of my deceased mother. While waiting for the estate settlement to complete the check went past the 180 day period and became invalid. Numerous calls ( and being on hold for hours ) have not resolved the problem!
Equifax re-inserted false, previously deleted information to my credit report. 
XXXX is reporting false information that we previously deleted due to false and incorrect information. Equifax altogether failed to notify me in writing within 5 days or reinserting and re-again false information to my credit report.
XXXX XXXX, 2015 I have had misunderstandings with Lowe 's /Synchrony Bank for the last 8 months. I have paid my account out in full but they have added interest to the account. XXXX gave me 6 months to payoff the account but the bank did not honor this. They begun to add interest from the beginning. I have paid my account in full but they have added the interest which almost doubles what I have paid them. I opened the acct. in XX/XX/XXXX, paid this one out and charged a microwave in XX/XX/XXXX and paid it out in XXXX 2015. Please help me with this account and retain my good credit. I am too old for problems now. 
Thank You.
On XX/XX/XXXX I received an alert that there was some activity on my credit report. I investigated to find out that a new collections account had been opened by XXXX XXXX XXXX. I XXXX   the company and obtained their contact information. I contacted them at ( XXXX ) XXXX to discuss the matter. I was informed they were attempting to collect an outstanding debt of {$510.00} for XXXX XXXX XXXX for Date of Service XX/XX/XXXX. I informed them this debt was paid in full in XX/XX/XXXX after 12-13 months of dealing with several insurance companies and my workplace. They informed me this date was outstanding. I stated they could send the information to my home if that was in fact true and terminated the call. I received no such documentation to date. 

I then began calling several agencies to determine what insurance company handled the claim. XXXX XXXX, who was my health insurer at the time, informed me that the claim was deferred to my auto insurance company XXXX XXXX. I called and spoke with XXXX XXXX and was told someone would return my call within 24 hours. On XX/XX/XXXX I  received a call from XXXX XXXX stating that the claim for XXXX XXXX XXXX, which totaled {$990.00}, was paid. I have been unsuccessful in speaking with XXXX XXXX XXXX. When I called the creditor and requested the contact information for XXXX XXXX XXXX I was transferred to a supervisor who stated that the bill was bought out by Pendrick Capital Partners. I was provided with the number of ( XXXX ) XXXX. I called Pendrick customer support and spoke with XXXX who stated that the bill was sold to Pendrick and it is outstanding and that any information I had must go through XXXX XXXX XXXX. 

My complaint is that this bill has been paid for at least 2 years, and now a company with a rich history of attempting to collect on paid bills ( only for the payee to later find their credit card number was stolen ) is  continuing said practice causing undue hardships on payees to have to put in all this work for something that has since been handled.
Hello i have a XXXX credit card and i check my monthly reports on XXXX XXXX I've never been late on payment and my score went down 30 points and i don't understand why.
XXXX and Experian credit bureaus is not reporting my student loan accounts on my credit reports with the Department of education. I have a active current account with XXXX XXXX student loans ( XXXX ). I sent a complaint to both credit bureaus several times sinceXX/XX/2017. To date both credit bureaus have not resolved my complaint. I am submitting this complaint to the XXXX XXXX XXXX so that XXXX and Experian and correct my credit report and start reporting accurate student loan information from XXXX. Inaccurate information on credit reports is hindering me from getting loans and good interest rates.
I have a loan with Flagstar Bank for my mortgage. I did make payment on my property taxes and for my flood insurance for XX/XX/XXXX. I paid {$5300.00} for property taxes. Flagstar paid the taxes at the same time as I did. They are now increasing my monthly payments from {$880.00} to {$1700.00} a month. It is an extraordinary jump. Furthermore, I am a single mom, and I frankly can not afford this. I need to be contacted immediately to see how I can rectify this. This is payment, effective as of XX/XX/XXXX. Please contact Flagstar at XXXX.
This is an additional inquiry to Citicards. This additional inquiry is necessitated by the fact that Citicards has repeatedly failed to answer XXXX simple question regarding my Citi ( R ) XXXX Platinum Select ( R ) Visa Card ending in XXXX. As a result, I will ask the question here again with the hope that a rational and intelligent human being at Citi can provide an answer. 
What is the date of first delinquency of this account? 
Can Citi provide all information reported to the Credit Reporting Agencies regarding this account upto and including XXXX 2014 - the month that Citi stopped reporting this account? 
I understand that Citi no longer owns the account and no longer reports the debt to the major credit reporting agencies. I also understand that Citi is the original creditor of the account, and can provide information pertinent to this case. I also understand that Citi is liable for violation of the FCRA for willfully providing dishonest and inaccurate information to debt collectors in a bid to aid its debt sale practices. I also understand that this is a follow-up to CFPB Case # XXXX. 
This is the final request before this complaint is forwarded to an attorney for legal action. 
Sincerely, XXXX XXXX
1.I am a XXXX year old vet. Single Mom. Went through XXXX. used up all savings. Federal student loans were expunged. Survived thanks to V.A. : but got behind on my XXXX loan. 

2. I filed a bankrupcy to save my home from foreclosure. 
3. Paid XXXX {$10000.00}. 
4. Finish bankruptcy successfully. 
5. XX/XX/XXXX loan was sold by XXXX to Residential Credit Services Inc.This is where XXXX starts. 
In XXXX 2015 they stopped sending paper statements. I told them I had to have a paper statement to see how my loan was doing. I am XXXX now and have XXXX -- sometimes do n't have internet connection. 
They refused saying : " we do n't send statements to you bankruptcy folks anymore. '' NOW : XXXX XXXX CALLED FROM RCS LOSS PREVENTION : he called me and demanded {$6000.00}. 
I said : how can that be? I paid all the arrears in bankruptcy. After than period, I have n't missed a payment. '' He said : " Oh, this happens to lots of folks. They have n't really paid enough in the bankruptcy. That 's why there still money owed. I suggest you try a loan modification. or pay it all right now. We 'll start foreclosing if you do n't. '' Later, when I called RCS to see if a scammer had called me, they seemed genuinely confused. It says here you owe {$6000.00}. said XXXX. " Fax us all the info you have : the bankruptcy papers, the Money order receipts, a letter carefulling detailing everything. We 'll look at it an figure everything out. '' I had all these things, ( including a mortgage analysis which was worthless. ) I have hundreds of papers.Also, the attorney who originally filed the bankruptcy, XXXX XXXX XXXX. in XXXX XXXX. 
" You mean -- I have to PROVE I 'm NOT IN ARREARS? '' " Yes. '' " Meantime, you might have foreclosed by the time it 's all straight. ' " yes. your attorney can fax the info. ' I realized right then : They did n't know or have my mortgage information. 
My hair stood straight up. they wanted it from me because theirs was messed up. 
Meantime, I might loose my house.
I have sen t AutoTrak sev eral letters regarding the inaccurate information they are reporting to credit bureau but they consist on continuing sending false information and they also are re-ageing this account to keep it on my credit report longer.This is really hurting me financially and mentally.   I recently disputed this account with the credit bureaus and the information was reported as verified and accurate.I 'm sure we both understand that most disputes are often conducted using software, such as  XXXX , and that mistakes can be made.   On  XXXX  -17 I sent t hem a certified letter asking them to investigate. Also to send me an explanation of the methods used, and a description/copies of records reviewed, when they conducted their investigation so I can conduct my own investigation into the accuracy of their records and verify that a reasonable investigation was completed. According to FCRA if they can not perform a reasonable investigation they have to remove this account from the credit bureau ASAP!   If not i will sue. The original creditor can be held liable for reporting inaccurate informati on (   XXXX  vs.  XXXX ,  XXXX  vs.  XXXX   XXXX   ), the FACTA l egislation passed recently allows the consumer to go directly to the original creditor and dispute information which the original creditor ( called the information furnisher ) in the FCRA, has supplied to the credit bureaus.   .
Recently Opened an credit card account with bank of America, my bank of at least XXXX years. 
The problem I am experiencing revolves around the opening of such account.Despite of been a loyal customer to bank of America. I believe I am being treated to a different standard, since the conditions set forward by bank of America for opening the account were in my opinion simply not fair. Considering the fact that I have excellent credit history and the card I was approved for was for individuals trying to establish credit. Furthermore bank of America has fail to report the account to any of the XXXX credit reporting agencies.Despite the fact that the account has been open for more than XXXX days and I have made bank of America aware of such discrepancy.Last is the fact that bank of America handles my checking account as well monthly bill pay, which would suggest that they 're well aware of the fact that I fulfill my financial responsibility.
Recently I was wrongfully " Denied '' credit. So I called up " Equifax '' to instruct them to mail me my " Free '' annual " Equifax '' credit report. " Equifax '' then told me that I would have to " Pay '' for my " Free '' annual credit report!!!
I had my auto loan set up on auto draft since the time I opened my account. Apparently in XXXX of 2016, Credit Acceptance started having a problem with my auto draft. They did not notify me of the problem until XXXX of 2016. By that time, my auto loan had reported 4 straight months of delinquency. I immediately paid them all of the payments, and we corrected the auto draft problem together. Now, Credit Acceptance will not correct my reported pay history, even though they did not even notify me of a problem with my payments being processed.
Back on XXXX XXXX, XXXX, I purchased a money order for XXXX and cents at a store XXXX XXXX in XXXX XXXX WA XXXX When I paid in full cash, they gave me two money order. One was for {$500.00} even and a second for XXXXwith cents. I immediately, noticed that the money order for {$500.00} paper felt different ( thinner ) than the other with the amount of 290.with cents. I did n't say anything to them and left the store. like about two weeks later, my land lord where I live sent me a notification stating that the money order for {$500.00} according to his bank ( XXXX ) did not go through. My first reaction was to go back to the store but the cashier said that they could n't do anything about it and to contact the Western Union customer services. So I did, and Western Union representative suggested me to complete the receipt of the lost money order and that it was going to take up to 30 days to get a response. About 3 weeks later, Western Union sent me a letter with two copys of same money order 's tracking number stating, that the money order was attempted to cash two times. First money order copy that Western Union sent me back was not endorsed and was cashed on XXXX/XXXX/XXXX and paid to an unknown receiver. The second one, was completed by me endorsed to XXXX XXXX XXXX XXXX which was my landlord and was returned on XXXX/XXXX/XXXX. In the letter, there was no information whatsoever of the name of the person or company who cashed the money order. So I called back again to Western Union without any responses from their end to help me identify the person who cashed my money order instead, they would keep on saying " a letter has been sent to you back on XXXX explaining you what happened to your money order. '' Or " you have to check with your landlord and his bank ( XXXX ) and have then call us '' which I did. But they ( XXXX ) also said that they never cashed the money order. With the help of a low income legal law services, my situation was escalated to a case. The person who was helping me was able to identify that the money order that was paid was actually deposited through a phone app. Last thing I heard from this office was that my money order was probably deposited in a XXXX in XXXX. Since then, No one has helped me to identify who cashed my money order. Like never in my life I have felt so hopeless in a situation like this. I have copys of money order and the letter that Western Union sent me upon requested.
I have been trying to initiate this short sale with Seterus since XXXX XXXXI have submitted all docs to XXXX as well and XXXX and myselfhave been trying to get ahold of Seterus to get an update and we have had no luckI re-submitted all docs on XXXX XXXX and I keep calling for an updates and they keeptelling me they have received my third party but it has not been uploaded.
Recurring automatic payments established on the account were all processed with exception of the final payment. 

I have been back and forth with XXXX XXXX XXXX  since XX/XX/2018, regarding the fact that they acknowledge quote/unquote, " We are in agreement with you, with regards to your reoccurring payment, it had been previously accepted and should have been accepted in XX/XX/2018, '' Had they accepted my XX/XX/2018, final reoccurring payment, we would not be having this complaint, along with all of the distress and adverse actions that I and my family have suffered due to this bank not accepting/processing my payments until which point they could create a 30-day delinquency entry on my credit bureau file report. 

This information is not accurate ; there were two separate attempts to finalize the last payment, both prior to XX/XX/2018, and just as recently stated in an email from one, Ms. XXXX XXXX XXXX ... " ... the interruption in your payment is the only reason to remove the delinquency. '' Well, this was interrupted, and so, therefore, they need to remove this delinquency ( just as stated by her own words ). Why hasn't she? This has already cost me the recent opportunity to close on a new home, due to the blemish on my credit and fall of my FICO/credit scores resulting ... 

I also certified them a letter in addition to several phone contacts, emails, and more. I have also been the subject of discrimination in the past with this institution, and believe this is much of the same, and I recently raised this issue again. Please examine their past track-record ( s ) as well as mine. I also will provide similar documentation as I have given them in advance, as well as been repeatedly cooperative, with no resolution yet in sight. 

Lastly, allow me to also point out that just prior to the interruption in the reoccurring automatic payments, there had been an account number change, where, the original Platinum MasterCard number ending in # XXXX was changed to a new XXXX Mastercard number ending in # XXXX. This change was not of my request or doing, and the interruption to ongoing payments not getting processed is an internal issue that I can not resolve for them. As a result, this posted delinquency to my credit file is long overdue to be removed and never should have been posted to my credit and all bureaus in the first place. 

The bureaus have also been contacted and I will continue to escalate this right to the point of legal action if necessary until the corrections to their mistakes have been updated and removed from all of my credit bureau reports, and my credit is once again restored as it should have been previously, prior to this misrepresented and inaccurate information that was reported. 

This is an attempt to hold any and all organizations liable, that have failed to enforce the correct reporting of my records and/or amending such, without further delay. Thank you.
Getting 6 or more phone calls from Synchrony bank at all hours. From XXXX XXXX to XXXX XXXX