WillisBack/dataset-financial-user-claim huggingface dataset:
I have had a new mortgage with PNC bank for 18 months. I do not have a payment book. I was told to make my payment by telephone. In XX/XX/2018, the bank added a {$7.00} fee for paying by telephone. They started sending a payment letter monthly. In XX/XX/2018, I was told they cancelled the extra fee because their customers where unhappy. In XXXX, they started the {$7.00} fee again. I was traveling. The payment letter arrives about one week before payment is due. I was not here. When I returned, there was not time to mail a payment before the due date. THIS practice is unfair to the customers but would make PLENTY of money for the bank. I travel frequently. I expect a financial institution to furnish me with a complete payment book and to allow me to pay by telephone if needed. Another abuse to consumers by the banking industry. Thank you.
XXXX PayPal ran an unauthorized hard credit check in XXXX 2015. It was listed on my credit report. I never gave consent or inquired about a credit line/credit card with PayPal. This is now on my credit report for 2 years and affects credit score.
Fidellis XXXX XXXX in NC called XXXX in 1 day without leaving a message When I called back, they say I owe {$680.00} filed by XXXX XXXX Screening in XXXX, GA. I never heard of this company. Never did business with this comp. And certainly never received a bill. Fidellis accused me of throwing the bill away. Fidellis will not provide any paperwork. They wo n't contact XXXX to verify and wo n't clear the collection - it 's now been reported to the credit companies. Further investigation through our dentist who used this company for XXXX screening XXXX was told by XXXX there would be NO fees charged to patients because they would bill medical ins comp. and accept whatever payment they could get. It appears that XXXX sold patients names to Fidellis for bogus debts. Mine included.
CitiMortgage, Inc. claims to be the holder, through several unrecorded assignments, of a mortgage originally granted by the former XXXX XXXX XXXX XXXX, XXXX. ( The FED describes this as having been a voluntary take over of XXXX XXXX XXXX XXXX assets and therefore not in the purview of their assistance with failed banks. ) The mortgagee, XXXX XXXX, is XXXX. She contracted to sell her home in an arms length transaction. She paid the payoff amount provided by Citimortgage. The buyer 's bank and title company will not accept the discharge from CitiMortgage because they say the ownership of the mortgage is not a matter of record at the regiastry of deeds. Citmortgage, despite demands by certified mail, has so far refused and failed to provide recordable proof of their ownership of the mortgage. As a consequence, XXXX XXXX can not pay her XXXX home bills and could be at risk of eviction from the XXXX home. Until she expends the house proceeds on her XXXX home, XXXX ( XXXX ) will not pay for her XXXX home expenses. she is caught in a catch 22 situation. 

Massachusetts law requires that mortgage assignments be recorded at the regisatry of deeds, and that the holder, on payment, provide proof of ownership of the mortgage. Despite being provided with a copy of the statute, XXXX has failed to respond.
sent validation notices to OPTIMUM OUTCOMES INC,  they never responded. Also they are listed on my credit report as the original creditor for a medical bills ; plus they have the wrong address listed on the accounts for contact information an number.So when I found the right information I sent notices and telephoned the agency. Spoke with a super visor who said they were send the copies of the original contact, never happened.
I went to US bank to get a new debit card ordered. they calimed to have ordered a card for me. I later found out that was a lie and no card was ever ordered. While at the bank the bank manager told me i qualified for a refinance on my home loan. he took some basic information and ran my credit with out my permission. He later told me i did not qualify for the refi that he already stated i did qualify for. He said he could get me loan against my brokerage account. he ran my credit again without my permission. i contacted both him and his underwriter and neither would return my calls. after filing a complaint with us bank about this they sent me a letter saying i was denied a loan. i never applied for any loan. my credit was run without my permisson twice XXXX XXXX 2015 and again on XXXX XXXX 2015. Also how could i be denied a loan for XXXX if i have over XXXX in collateral. im appalled the underhanded way they did business as well as how the manager treats bank customers. the branch manager was XXXX and the branch was us bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX and Phone : XXXX XXXX XXXX XXXX
I signed up for XXXX cable and internet service, but was immediately dissatisfied with the service. I used their online chat to cancel my account within the first 30 days of service. I have a saved, time-stamped chat log confirming the account was closed. I then returned all XXXX equipment the very next day, which was also within the first 30 days of service. I have a dated receipt from the local XXXX office showing the exact serial numbers of all equipment returned. XXXX 's 30 day money-back guarantee entitled me to cancel the new account and owe nothing. However, XXXX apparently sold this false debt to Diversified Consultants. I provided all proof of cancellation and equipment return receipts to Diversified Consultants but they refuse to remove the derogatory remark from my credit report.
PREVIOUS COMPLAINT NUMBER -XXXX On XX/XX/XXXX I notified Transunion , XXXX , and XXXX via Affidavit that multiple accounts on my report are fraudulent. I then contacted each reporting agency via phone on XX/XX/XXXX to follow up on the status of the investigation. Transunion nor XXXX provide me any verification of the investigation that was conducted. But all accounts still remain on the report. I placed a call on XX/XX/XXXX to Transunion in which I recorded a new dispute in which no validation or verification was provided for. I allowed them thirty days to respond with that validation as well as to the alleged creditors. On XX/XX/XXXX I filed a UCC -11 debtor form in the State of Illinois in which it reflected that no claims/liens filed on my name in which those alleged account were in reference to. On XX/XX/XXXX All Credit Reporting Agencies were notified via Affidavit and Ucc11 certified debtors search to reflect the exact information being displayed from the certified search which is NOTHING ON FILE. I HAVE ALLOWED OVER 90 DAYS FOR THIS MATTER TO BE RESOLVES AND ITEMS TO BE REMOVED FROM THE REPORT. AS OF XX/XX/XXXX THOSE ITEMS ARE STILL LISTED ON THE REPORT, DAMAGING MY ABILITY TO OBTAIN CREDIT.
ERC attempting to collect a debt on an unverified account. Provided no proof of validation of debt
RE : refilled on XX/XX/XXXX Complanint Number XXXX previous 1st time filed on XX/XX/XXXX Complaint Number XXXX and you referred me to FDIC and now they had solved the problem with the bank but Chexsystem never update the problem so FDIC told me that you are cfpb is the one need to deal with Chexsystem and referred me back to you, so I filed another complaint with you onXX/XX/XXXX. I did n't attached the police report on XX/XX/XXXXbut I did attached it on XX/XX/XXXX and not sure you are still have the police report or not so I decide to attach the police report to you today.
Transunion or the collection agency, XXXX XXXX XXXX, readded a collection that was previously deleted without my knowledge. It is against the law to delete then re-add a collection to the credit profile without first giving a 5 day notice in advance. XXXX XXXX XXXX ( XXXX XXXX XXXX ) deleted their collection on my credit file on XXXX XXXX, 2017. It was re-added back, under the same collection agency, a few days later. I was not given nor did I receive a notice in a the mail or email about this collection being re-added to my profile. I do not own this collection.
I am currently having difficulty with Navient private loans. My co signer passed away from XXXX in XX/XX/XXXX and I have been unemployed. I never received any confirmation on adding a new co signer or help with the loan only to make payments of {$300.00} or go into default and be sued.
On or about XX/XX/XXXX several " hard pulls '' where made on my credit report without my authorization ( in fact, against my express wishes ). I tracked them down as best I could back to what I believe to be the same source : XXXX XXXX XXXX XXXX XXXX. 

To be clear, I was looking for financing for my company, but I was not allowing my personal credit to be used for this purpose which I made very clear in my communication with XXXX XXXX ( email dated XX/XX/XXXX ) to XXXX XXXX. 

All attempts to contact XXXX XXXX have failed. 

XXXX XXXX actually acknowledged the error by phone and advised me to dispute the inquiry on my credit report and when they were contacted by Experian they would confirm the hard pull was made in error. However, since disputing the hard pulls with Experian back in XX/XX/XXXX, no  correction has been made. What's more, I had begun to receive what is clearly junk emails ostensibly from the representative at XXXX XXXX and even advised XXXX that it appeared to me that their email server had been compromised. 

As of this date, no investigation has been conducted that I have been made aware of and the inquiries remain on my credit. 

Experian has also taken to dropping good credit accounts from my report seemingly at random. Beginning in XX/XX/XXXX, again in XX/XX/XXXX, and finally most recently this last month in early XX/XX/XXXX. These are perfectly good accounts that I have made no dispute of and Experian is claiming they have nothing to do with it, nor can they take any action to remedy it. 

In the previous two instances I was finally able to correct it by simply getting lucky and finding the right person on the phone. This last time, XXXX from the Dispute Department as much as told me I was at the end of the line and there was nothing she could do - that XXXX had requested their account be removed from my report and that I should take it up with them. 

A statement which, as near as I can tell, was an outright fallacy.
I transferred {$5000.00} to XXXX of which banks with XXXX XXXX. I was charged a {$25.00} wire fee from my bank for the transfer. However, the trade station employee sent me an email stating, " If the bank charges you a fee for the wire, let me know and we will credit that amount back to your account. '' This has not been done and I am now wanting to cancel my account with them after two weeks. In addition, I now come to find out they are going to minus {$25.00} from my account to send me a wire back to my bank. There 's no such policy in writing stating that this is the only option to get my money back. It gives me an option on their website stating you can " Wire Transfer, {$25.00} '' or " Request a Check, Free, '' but they will not send out a free check, because their " Internal Policy. '' This is illegal. I spoke to " XXXX '' the supervisor and he stated, my concern is not written publicly anywhere, but that they will not give me back my money I sent them -- in full. I am requesting a check which is free for them to send and they will not send me one, because of " internal policy rules. '' I want my money in full, and I want it now ; so they need to figure out how that can be done. I also want the {$25.00} ( of which is in writing ) credited back to my account and a check or wire for the amount of {$5000.00}. There 's no written public information to justify what they are saying. They are only willing to send me {$4900.00} back of my {$5000.00} I sent them and there 's no way around this unlawful practice. What they are stating is not in any contract I signed or a public policy. When I informed XXXX that this is not stated anywhere he said, " yes it does n't say that anywhere, but it 's in our internal policy. '' Does this mean that everyone can have some internal policy that rips off the client and that 's justifiable? My next action is to charge them interest on my money for how long it takes for them to get my money back to me, because I would be making interest on my money through my bank.
I made XXXX purchases using my Wells Fargo credit card almost 2 years apart. Both purchases was supposed to be 5 years no interest. On this statement Wells Fargo changed it from 5 years to just over 3 years
I signed up for a BMO Harris Smart Advantage Account on XX/XX/XXXX using a publicly available link on the BMO Harris website that promised to pay {$200.00} for new checking accounts. I have screenshots of the website page on the date signed up showing the promotional terms and conditions. I 've met all of those conditions, and BMO Harris refused to pay me the {$200.00} bonus as promised.
I spoke with two BMO Harris agents in XX/XX/XXXX and XX/XX/XXXX about this issues, and they claimed the bonus would be paid on XX/XX/XXXX which was approximately 120 days after account opening as specified in the terms and conditions. It 's now XX/XX/XXXX and still nothing. 

I chatted with another BMO representative on XX/XX/XXXX named XXXX. He was terribly unhelpful and unwilling to assist. He simply lied and claimed the bonus would be paid later in the month at some point. He could n't even provide a specific date, even though the terms and conditions clearly show the bonus should be paid by 120 days after opening, and other BMO agents confirmed so.
I do n't understand why PNC charges so much for late fees. I can see them charging just one late fee but a later at {$36.00} everyday plus a {$21.00} late fee plus {$7.00}. I just do n't think that right, because I was one time, every month I have had no money because of the late fees, of course they do n't care about this domino effect. I have tried calling them and complaining numerous times. They have not complied, They only tell you to get a pen and paper ledger. No how about you listen to your customers and stop charging them high amounts, I did not receive a phone call or any information. They do not reach out and contact you to even monitor your account, so paying anything extra is a waste. I wish someone would call me and actually grant some kind of justice against all these fees charged and set the mark on the right path with a loyal customer. Do what 's right PNC!
This {$970.00} collection is showing up on my report.I do not know this Dr. office or Doctor. have never been there. I have left messages at the office but no one will return my call for 2 weeks now. I am a vet trying to purchase a home and I really need this off my report. Also I have never been to see a XXXX.
Good Evening ; I have disputed this item with the credit reporting agency and with the collection company as shown on my credit report. I spoke with several representatives, and recently with XXXX at First Financial Resources and she mentioned that either my health insurance ( XXXX ) or/and XXXX XXXX ( auto insurance ) should've taken care the debt but they haven't yet. But instead of going back and forth with them, I went ahead and paid off this debt and she agreed that it would be removed permantely from my credit file. 

Also there are several inaccuracies with the way it's reporting and that's a total violation of FCRA and FDCPA guidelines. But In a good faith effort to resolve the matter amicably, I must demand the company to honor their part of the deal and remove this from my credit as agreed. 

PLEASE SEE THE ATTACHMENT!
These school loans were taken out in XXXX to XXXX. They have been reported on my credit EVER SINCE. Navient has been garnishing my wages and taking my tax returns for over 10 years. I never got a breakdown or receipt of where the money they took was going. Everytime I would call to beg for a reasonable payment plan, they would defer them because I 'm dirt poor, with no degree. If I worked full time, I did badly in school. The college told me to take out loans, so I did. I finally consolidated them ... which did n't help anything. Now on my credit report they all show twice, making it look like I owe double what I actually owe. Again, I called, no more options they told me. Pay {$1200.00} a month or nothing. I cried, I begged. They said I could pay $ XXXX. I 'M POOR. These loans are ruining my life. I ca n't get credit. I ca n't rent a car. I ca n't get a good price on auto insurance and I do n't even have a degree to show for it. Everytime I go to try to do something about it, they tell me what I need to pay, or they tell me I will continue to have bad credit, ect. I get discouraged and depressed and give up. I get letters from 7 different companies. For different amounts. With different account numbers. I do n't know which way is up. They 've taken thousands when I had kids in my custody and I still have no proof of what has been paid. Finally someone told me to contact the credit bureau to validate the debt. That way I would be able to see what was paid, how much they 've taken, what the debt is, to who, ect. Instead Navient sent me a letter saying the debt was verified and they re-aged all the loans, with no other paperwork. I 'm at my wits end. I want to make them right, but I just do n't know how.
The original cred itor is GE Capital Bank. I  had  a Gap a nd  Old Navy Store c ard with them. I got behind on both accounts. They were both charged off.They were also both bought by  XXXX   XXXX . I got a notice from  XXXX  recovery o n   XXXX   XXXX   XXXX  . I settl ed out for both of the debts. ( Gap- {$300.00}  ) and ( Old Navy- {$3 00 .00} ). Th ey both was settled after the charge off. However, i never received my requested letter that the debt was paid and they never reported differently on my credit report. I have a collection account with them now with minimum information. I would like both debts removed from all  XXXX  credit bureaus due to violations of the Fair Debt Collection Practices Act and Violation of the Fair Credit Reporting Act. They are reporting different high balances on my reports. This is wrong. They also are not showing the full account number on my reports. The reporting activity dates are off and inaccurate. Please help me resolve this.
I have challenged Transunion, XXXX and XXXX about a discharged bankruptcy on my credit report. They saying that they contacted the court to verify the account and they absolutely can not do this because the court does not update, or report the file. They haven't told me who they spoke with in the court, a phone number or when. They can not because I have an actual letter from the stating that they do not take calls in regards to bankruptcies. These credit bureaus have stated a lie. Please see the documentation proving this.
I completed a background check with XXXX as part of an application to the XXXX XXXX. Within that report, I noticed a couple of incorrect addresses listed for me. One of the prior addresses listed for me on the report is XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. This is the residence address of my younger, XXXX XXXX XXXX. 

But of more concern is under the Personal Information Comparison, there is a comment " High Risk Fraud Alert - Previous Address is a Restaurant/Bar/Night Club. I do not know what address that is referring to, nor have I listed a restaurant as a prior address. I suspect, but do not know conclusively, that that address is tied to another person named XXXX XXXX.
I have made a money withdrawal from my Coinbase account to my bank account on the XXXX of XXXX and on the XXXX of XXXX. I did receive a confirmation from Coinbase, that money will be on my account accordingly on the XXXX and on the XXXX of XXXX. 
I contacted Coinbase first time on the XXXX of XXXX and on the daily bases since then. e-mails and phone calls. I even tried to contact them trough my bank. 
Today I have got Coinbase to add me to their priority list, at least they say so. But money has not arrived. They have taken money from my Coinbase account the same day I made a withdrawal. But in 2 weeks it has not arrived to my bank account.
Barclay is harassing me by sending me pre-approval offers nearly daily. I 've called to ask them to stop and they either want a social security number or other personal information to be able to process my request. I refuse to do that. They also say it will take 8-10 weeks to process my request.
I filed a chapter XXXX bankruptcy in XX/XX/2015 which was switched over to a chapter XXXX in XX/XX/2015, that same year. The chapter XXXX bankruptcy still shows on my credit report as dismissed while the chapter XXXX has been discharged for a year now. So i have XXXX bankruptcies on my credit report when i have only filed the XXXX. It is hurting my ability to recieve any type of loan or anything of that sort.
This company called XXXX XXXX / resurgent has a account that they said is from XXXX XXXX with a balance of {$1000.00} and it is reported on my credit profile, I have reached out to this company three times and asked for the original agreement that I signed because that is the only acceptable proof of validation ... and they have not replied or complied and removed the derogatory information, now I need them to get rid of this unknown debt that they never even reached out to me and give me the 30 days to contest the debt, so please I need this information off my credit reports or send me the agreement I signed to enter into a payment agreement ....
I have specifically sent in a Police Report to customer service NUMEROUS times and dispute all transactions on my account that were not mine when i sign for transactions i use first middle and last initials when i requested them to have proof they only have signature of XXXX i gave 3 reps my police report and i will not provide it again and it still shows i have late payments and i still owe the balance of {$4000.00} I disputed this also numerous times and it should not have to keep getting disputed over and over and over again. If this isn't removed off my report within 5 business days i will be contacting the Ohio Attorney General XXXX XXXX. I have the right to fix whats correct. It is unfair that i'm responsible for this. i only made a 1 transaction and this is the transaction i made ORIGINAL TRANSACTION AMOUNT {$750.00} on XX/XX/2018 please remove all transactions except the XXXX. this is the only one i should be responsible for.
I started a loan application with Quicken Loans. I was pre-approved for up to $ XXXX. I submitted a few offers before coming to terms with a seller on a particular home. Quicken Loans sent me a breakdown of my estimated monthly payments, which was supposed to be $ XXXX/month. I  proceeded with the loan process and had everything completed in regards to my application up to that point. I went on to get an inspection and appraisal of the home. The inspection came back with aluminum wiring ( which needed to be replaced with copper ) in the home, which made it very hard to come within the homeowners insurance guidelines I had contingent upon in my offer. They then decided to switch my FHA over to a conventional, called me and lied to me saying that I would be getting " better financing ''. They knew that since problems arose with the inspection, they weren't able to use the FHA. Then, my monthly payments jumped up to $ XXXX/month and that doesn't even include the high homeowners quotes that I had received in regards to this home. I made the offer contingent on inspection, and insurance costs. I pulled my offer at that time. Quicken Loans then sent me a " denial letter '' based on the reasoning that I had an incomplete credit application, which couldn't be farther than the truth. I lost my earnest money, {$2000.00} because of the lies and unethical behavior from each and every person I spoke to in trying to resolve this issue. They went as far as ordering the appraisal, but when I pulled my offer they close me out due to incomplete application? That doesn't make a bit of sense. The very next day, my purchase banker opened up a whole new loan with a new approval letter. But yet, 24 hours prior, denied me due to incomplete application? Its not right what this company has done to me, I am a first time home buyer and I am completely traumatized.