WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX 2015, I filed a dispute with my credit card company, Capital One againstXXXX XXXX XXXX XXXX for XXXX transactions - {$240.00} deposit and {$200.00} pet fee. In XXXX 2015, Capital One closed my case citing that I did not provide documentation. I provided Capital with the XXXX Itinerary of the bookingreservations from XXXX of the {$240.00} deposit paid and remaining balanceof {$1900.00} to be paid upon check. I also provided a letter documenting my conversationbetween the XXXX XXXX Front desk agent that I declined housing my pet. 
Capital One closed the case citing that I did not provide documentation of thecredit for the pet fee. I finally agreed with Capital One to pay the {$200.00} pet fee since I did not have the proof they needed, but was perplexed that my case for {$240.00} deposit was also closed even though I provided documentation. I have pasttwo weeks, I have been getting the run around from Capital One. 
any proof, but still
I used the credit card to make some large purchases and suddenly my account was closed. The card earns 2 % cashback and the bank will not give me the {$380.00} that I should be receiving in cashback.
My home flooded during Hurricane Harvey. I have flood insurance even though it was n't required. Suntrust is my mortgage company and it has been nothing but misdirection and half truths to deal with them. My home is 97 % repaired, they require 90 % or greater to realease additional insurance funds. I spoke on the phone today to a manager and he informed that the remaining countertops were structural and until the contractors paid invoice is submitted and the home is inspected again, no money will be released. Everytime I speak to Suntrust reprensentatives they tell a different story. They have made the process of getting my insurance money worse than the Hurricane was.
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, 2018, and XX/XX/2018. It is now XX/XX/2018. I sent the CAROLINA FINANCE LLC and the CREDIT BUREAUS a copy of my police report, ID, and my social security card. The companies has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
I never sign up, fill out any application or request any mortgage assistance from XXXX XXXX. this company is shown up on my report with out consent. I have sent a letter on XXXX/XXXX/XXXX requesting that inquire to be remove from my XXXX. this company is listed as a XXXX XXXX agencies with no number address to be able to request proof of signature that authorization was given to pull report
My mortgage company has in has my escrow and their reason is that they think i we are going to default on our mortgage. They will not refund our money because they might need money for repairs. They refused refund the money or decrease the escrow.
I made a mortgage payment on XXXX XXXX, 2015 in the amount of XXXX. I paid on the XXXX primarily because I was in the process of closing on a refinance and the loan officer did not want me to past the XXXX days. On XXXX XXXX, 2015 I was notified that I failed to make my mortgage payment and was now XXXX days past due. I spoke with a supervisor by the name of XXXX and explained that made a payment, but was told that my payment was XXXX short due to an escrow shortage that they applied to my account effective XXXX XXXX. 2015, so even though they cashed my check they did not apply it and would report my account XXXX days late. I explained that there were issues with escrow, that I had requested statements which I had not received but that most important, I was in the final process of refinancing my loan, WITH THEM, and was told both verbal and written that the escrow issues would no longer be an issue with the new loan and I start over. I was literally scheduled to close in XXXX days, only waiting for final payoff. XXXX XXXX took my payment for XXXX and said she would forward request for credit adjustment. Btw I had received only XXXX notice re escrow, called and asked for previous years escrow accounting because mistakes had been made XXXX made XXXX payments for homeowners ) but never received it. Bottom line, there should never be a reason a person is reported XXXX days late on a mortgage payment for a XXXX escrow shortage. Money that sits in an account and in an amount so insignificant. I will rethink refinancing with this lender but in the meantime, I need my escrow account audited and my XXXX day late to be corrected. At a minimum I have not been adequately informed.
XX/XX/XXXX This Letter is to make a formal complaint against PNC Bank Mortgage. <P/>Loan # XXXX XXXX XXXX XXXX XXXX. XXXX, Maryland, XXXX Letter Dated : XX/XX/XXXX : Approval for a conditional trial period plan letter : On page 1 of 7 Second paragraph : .. here are the terms of your conditional trial period plan,. if you complete the trial period you will receive a modification with an interest rate of 3.25 %..
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On XX/XX/XXXX I got a letter of shortage on the ESCROW Account shows {$1300.00} Shortage. We are starting a new loan, so WHY are they charging this bill now. Showing a new payment of {$1500.00} This type of mistakes on PNC Banks Documentation should be punish big time. <P/>On Final documents the interest rate is 4.25 %. <P/>EXHIBIT # 1, Signed by UsXX/XX/XXXX and by PNC on XX/XX/XXXX : Total cash due from borrower : {$1500.00} NOT {$1500.00} Interest rate of existing mortgage 4.0 % AND IT IS 3.25 %, NOT 4.0 % and new modification interest rate is 4.25 % NOT 3.25 %, which they promise as stated above. <P/>I do believe that their way of doing business is ILLIGAL. EXISTING UNPAID BALANCE {$240000.00} NEW PRINCIPAL AMOUNT {$240000.00} WHAT ABOUT THE 4 PAYMENTS OF {$1500.00} FOR THE TRIAL PERIOD? THAT TOTALS {$6200.00}? <P/>When I spoke with my PNC Point of contact XXXX XXXX and then with another representative because XXXX XXXX was not available, both PNC Bank representative told me it is what it is, and if I do not like it, I could stop all the process, catch up with payments and keep making the mortgage payments on the original loan. I felt like they are telling me take it or leave it. No professional courtesy and lack of customer service. <P/>They argue that all this new payments and 1 % higher interest are because I was delinquent which is not true. I was never late, nor behind on my payments and the purpose of doing this modification was to lower the payments by reducing the loan amount which happen to other families, and to lower the interest rate so my payments will be lower. I will be saving about {$330.00} a month, but I am starting a new mortgage for 40 years, this is not right, because I had only 10 years left om my original mortgage. <P/>I have accepted the terms imposed ( Illegally ) by PNC Bank because my monetary condition. I am disable for the last 2 years on a fixed income, and my wife lost her job after 17 years with the Federal Government. We are being forced to their conditions and they are not playing by the rules. <P/>I do believe they need to be punish. <P/>Please see respective attachment provided by me. <P/>Sincerely. <P/>XXXX XXXX H. XXXX C. XXXX
On XXXX/XXXX/15 XXXX? XXXX pulled a hard credit report without my authorization. This was for paypal where I already had a account. They asked me for a differant credit card which I gave them. They never disclosed that they would pull a report.
I paid my Citicards statement on line on the due date ( XXXX XXXX ), however the company did not post the payment until XXXX XXXX and charged a {$27.00} late fee. I have never had a late payment on this card. I sent a message to Citicards requesting a credit on XXXX XXXX. The automated response promised a response within 24 hours, but no response. I called the customer service rep ( XXXX XXXX XXXX ) on XXXX XXXX, was told that the automated system did not allow a credit, and that I could not speak with a supervisor. She said that she would ask a manager to call me back within 2-3 business days, but no call back. Very frustrating.
I sent a request for validation to PHOENIX FINANCIAL SERVICE for the they claim I owe them, they received my initial letter on XX/XX/2017. They didn't reply in a timely matter of 30 days. Also they didn't furnish the credit bureaus with a notice of dispute on my account. I sent a letter to the Chief Executive Officer XXXX XXXX XXXX explaining all of this and told him his company needed to delete it form my credit reports but he chooses not to. Thanks for your review.
It was brought to my attention on XXXX2016 when my insurance company called me at work that they have not receive the XXXX renewal payment. They also advise me they had sent the lender a 30day notice of the renewal payment. The insurance company put me on hold but then had to call me back. And when they called me back they advised me the lender advised them they are sending a over night check to them for Friday, ( which is the cut date,XX/XX/XXXX2016, for my insurance renewal ). I advise the insurance I would call the lender in the morning to confirm the funds would be going out. 

My lender did not send my insurance company my payment for my renewal of my homeowner insurance on time due to that they updated their system and lost the data information for the insurance company for my home. I was advised this per a service manager that I spoke on XXXX/XXXX/2016. I was also advised " Sorry, but there was nothing they can do, maybe you can pay a monthly payment so you wo n't lose your insurance ''. I pay extra to have my XXXX and taxes include in my payment in my mortgage payment and the lender is going to ask me to put out more money for their error. The lender had lied to the insurance company. I was advise by the service manager that it would take XXXX 7 days before any funds could be directed out, and by that time my policy will have been canceled. I asked my lender again ; " How can you help me as your borrower, your customer since this is your error, your mistake ''? They told me ; " We are sorry, there is nothing we can do, but you have 90 days to get your insurance information to us ''. I need help please, someone needs to do something!
Sent HIPAA letter on XXXX to XXXX XXXX and received a response via mail XXXX stating they couldnt locate account ( s ). I provided my name & address as it appears on my credit report in which they are reporting too.
XXXX  XXXX TransUnion is reporting that I have a bankruptcy on my credit report when I have never filed for bankruptcy the way I found out I applied for a home loan n I was denied do to this was very upset my birthday is XX/XX/1971 n social is XXXX name is XXXX XXXX
I have three accounts on my Equifax report that are fraud ( XXXX, XXXX and XXXX ). I have sent my FTC indentity theft report, police report, a letter notifying them of the fraud from the FTC, a copy of section FCRA 605B, a copy of my license and social security card. 

Equifax still has not removed it. I sent this information on XX/XX/XXXX, XXXX and XX/XX/XXXX and have fax receipt. I have also mailed anther copy on XX/XX/XXXX. At this point Equifax is in direct violation of mt rights. Every other CRA has complied but Equifax has not. 

If you dont comply with the FCRA, you may be sued by the FTC, Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers. The FCRA provides for maximum penalties of {$3800.00} per violation in the case of lawsuits brought by the FTC. I would prefer the accounts XXXX XXXX, XXXX and XXXX be blocked. However my next step is legal action.
This summer I order my wedding dress, customized. What I received was not even a dress. I disputed with merchant, shipped material back. Merchant refused refund and offered my XXXX % discount on next purchase instead, I refused. I filed complaint with Suntrust on XXXX/XXXX/2015. Suntrust gave temporary credit on XXXX/XXXX/2015. I was advised I would receive correspondence if they needed info and case would close in 60 days and the credit would be authorized if they found on my behalf and if not, I would be notified first. I never heard anything else from Suntrust. I tried several times to check status online but system was down for a long time. Suntrust emails me when anything goes on, so since I received no emails- I figured we were good. 60 days passed ... XX/XX/XXXX. I assumed as I had been told that the credit was no longer " provisional ''. Suntrust waited until 2 days before XXXX to do the reversal, wiping my account clean so I could not buy XXXX dinner- WITH NO NOTICE OR CONTACT. Then I encountered several NSF fees. They claim the reason for the reversal was because the merchant claimed to offer a full refund and I refused. That makes no sense. Had they offered, I would have accepted! They offered only discounts for future purchases. But, Suntrust- instead of contacting me and asking for email correspondence ( which I have still ) or photos of my wedding to prove I did not wear their product ( which I also have ) or proof the full refund was never offered ( again, email chain ) ... Suntrust wiped out my bank account after the 60 day period and raked up NSF charges galore and kept my direct deposit from my payroll check. So, here my family and I will sit on XXXX eating cereal or sandwiches ( because my bank account is in the negative and we could not buy things for a XXXX meal ). I have made several attempts with Suntrust agents to get them to understand that I did not overdraw my account. That I received no correspondence. I have all my emails from Suntrust. The last thing I received from their claims department was the claim form. 
I would highly advise anyone searching for a bank, to not go to Suntrust. After this experience, I will be changing banks asap. They care nothing about their customers. The fact that they waited until two days before XXXX ( past the 60 day time frame ) when I had several pending transactions ( which resulted in NSFs ) to reverse a valid claim ... tells me just how much they DO N'T care.
I sent in several disputes to Transunion in XX/XX/XXXX and received a new copy of my credit report with each one having been " verified '' I requested further information/reinvestigation even after 2 additional requests for reinvestigation and method of verification and received nothing. Then today I received a XXXX page letter with a definition of investigation. Not a definition of an investigation into my specific request but a definition of the word investigation. I have attached a copy of the letter along with the copy of my " verified '' report from XX/XX/XXXX. Matching report numbers but again no verification. It has been well into 75+ days and they have shown no reinvestigation. 
Transunion needs to delete the disputed lines that they say they " verified ''
I paid all 36 of my monthly payments and turned my leased   XXXX   XXXX   XXXX   in prior to the maturity date. It was under mileage and in show room condition. There were no dents, no scratches, no stains ... ..nothing!! We brought the car back to the dealership where we leased it (   XXXX   XXXX   in  XXXX , NY ). No one said a word about its condition or did any sort of inspection while we were there. Several months later I received a bill for {$630.00} from Hyundai Motor Finance. I knew that there would be a " disposition fee '' of {$400.00}. However, the breakdown on the bill was so convoluted that it was impossible to determine what the additional charges were for. After speaking with a representative (   XXXX   ) today from Hyundai Motor Finance I was informed that there was damage to the front right bumper. There were NO damages when we turned it in, and since the " inspection '' was done outside our presence I can only assume that IF they found damage, it happened after we turned the car in. They claim to have photos, but I have to assume that they are not photos of the car I turned in. I contend that these charges are bogus and Hyundai 's way of making money from consumers. I am refusing to pay for damages that were not there, and I do n't trust that this company might have 'manufactured ' this to collect a few extra bucks. I will pay the 'disposition fee ', but I am not paying for damages that were not there.
I have called the XXXX XXXX company Numerous of times and explained to them that I have been a victim of their " inquiry issue ''. I stated to them that i did not authorize anyone to use my information and did n't have any knowledge. I asked they remove them. 

1. XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX
An address which I have never lived at has appeared on my credit report and apparently some collection documents have been sent there. The person who lives at the address which has been incorrectly added to my file has informed me that they are still receiving my correspondence at their address.
I need your assistance to resolve an issue with Chase Bank which I tried to resolve on my own.     I received a letter from Chase on  XXXX  that they were cutting off my line of credit effective immediately. I went to my local Chase branch and spoke with the  Private Client Banker.    Th e Private Client Banker  called the    XXXX   XXXX   XXXX    for clarification, at which time he put the call on speaker phone. We were told that I have to  make 3 payments bef ore they would set the terms. Nearing  the 3rd payment, the   Private Client Banker ca lled th e    XXXX   XXXX   XXXX   again asking for the terms. He was told it was for 5 years but still must determine the rate.     After th e 3rd paym ent cycle was made and I didnt get my rate, I went back to my local bank to inform the  Private Client Banker o f not receiving my rate. Again, th e Private Client Banker ca lled the    XXXX   XXXX   XXXX   in  my presence.     We were told by a representative from t he   XXXX   XXXX   XXXX   tha t I must make another payment, which would be a 4th payment before they would calculate the terms and interest rate, so I made  a 4th  payment.     I received a call on  XXXX  from th e   XXXX   XXXX   XXXX   an d was told they were giving me a 36-month repayment plan, which is what I currently have. When I informed the representative from the    XXXX   XXXX   XXXX   that a 5year pa yback was the deal, she said no that it wasnt.     As a result, I tried to do a loan modification with them and they denied my application. Again, I tried to work with Chase but they are not dealing in good faith.     Why would  Chase have me make a 4th payment only to give me a 36-month pay b ack plan when Ive had that plan for 20 years!     I never missed a payment and paid more than the minimum due. In addition, I asked them numerous times for the promissory note from  XX/XX/XXXX which they cant seem to find to send it to me.  The  XX/XX/XXXX  a lso informed me that during a dispute I didnt have to make payments.     All this is recorded on line and in the presence of their company private banker at my local Chase bank.
ABILITY RECOVERY SERVICES, GAVE INFORMATION TO MY SISTER FAILED TO TALK TO THE OWNER OF THE ACCOUNT AND ALSO THEY ARE CHARGING ME FULL PRICE FOR A SCHOOL I DIDNT EVEN FINISH BECAUSE I HAD BECAME XXXX AND DIDNT HAVE THE XTRA FUNDS TO FINISH THE SCHOOL AND I HAVE PROOF THAT I BECAME XXXX
I was XXXX XXXX, XXXX XXXX. I bought a land lot and built my home. XXXX never put me on bank loan financed by XXXX XXXX XXXX XXXX. After XXXX  XXXX XXXX refused to accept me a rightful owner despite having home assigned to me by XXXX  court, and having a Quit Claim Deed on it. I originally owed {$170.00}, but after XXXX years of XXXX XXXX refusing to allow me to Assume the mortgage they now claim I owe them {$400000.00}. as they enforced the costliest Insurances and the highest compound interests. I was forced to file Bankruptcy in order to prevent XXXX bank to take home. Now in XX/XX/XXXX, XXXX XXXX sold my loan to Specialized Loan Servicing and I am having the same difficulties with them. They have refused to allow me to Assume the mortgage, or to give me a trial payment plan of a year, which they state they could do. My interest is in saving my home, rectifying the paperwork and putting this account back on track. SLS has not been willing to modify the mortgage despite the fact I make sufficient salary to pay. I have lived with my sons, and who have medical problems, and my mother with end-stage XXXX XXXX in this home since XXXX XXXX.
On XXXX XXXX, 2015 I, XXXX XXXX called in and spoke directly with XXXX XXXX ( XXXX ) XXXX XXXX, whom Wells Fargo Home Mortgage Executive appointed as my point of contact. Due to her lack of understanding and knowledge to grasp the simple requests I made in previous correspondence and her inability to control herself when engaged in a conversation, playing semantics ( constantly talking over the client, to attempt to control the conversation ), I hereby request a different point of contact. It is my observation that the representatives are trained to become passive aggressive and combative, in an attempt to upset the mortgage holder. In inquiring this matter with several Wells Fargo Mortgage holders, legal counsel and the XXXX organization, they all agree that this is common practice with Wells Fargo. It is my goal to resolve any and all confusion when it comes to the deposits I have made, but I can not accomplish this task if I 'm not given the tools on the end of the Wells Fargo Organization to compare how they applied the money I deposited into my account towards my mortgage and my records, without them sending the records, they posses for comparison. So moving forward, I request a representative whom possess knowledge, respectfulness and professionalism, whom will listen to the concerns of the mortgage holder and resolve the problem, so that we can both move forward.
We have been harassed by " XXXX XXXX XXXX '' for the past 6 months from a so-called debt that was written off over 8 years ago. They have failed to supply us with any kind of validation letter regarding how much we owe, however, it has recently popped up on both of our credit reports. We want it removed immediately.
requested a copy of credit report b/c of ftc violation have not received one more than 30 days
I have requested my credit report since  XXXX  still  have't rec eived and on the  XXXX  still have not receive it them