WillisBack/dataset-financial-user-claim huggingface dataset:
This loan originally started out as a land loan from National City Mortgage in XX/XX/XXXX for XXXX and bought out by PNC. When my husband was laid off in XX/XX/XXXX we then did a loan modification for the remaining XXXX split in payments of the first XXXX and balloon payment of the 2nd half of XXXX at the end of 15 years. In XX/XX/XXXX we had a private investor ready to release funds at the title company to help finish building our half built home on the property. Everything was at the title company and PNC refused to subordinate. We can not qualify for a construction loan with any bank because we already began building and our funds are limited where a private investor is more willing to help. We have XXXX children and XXXX with XXXX XXXX XXXX and we are just trying to get this house built so we can sell it to provide accurate medical care for our XXXX XXXX. 

XX/XX/XXXX we received a denial for the subordination and application for loss mitigation. We then got a verbal approval on XX/XX/XXXX for loss mitigation over the phone by XXXX at PNC. 

We got the XXXX paperwork XX/XX/XXXX of which 5 of the 6 pages continued to reference " loan modification '' and one page referenced not being approved for " loss mitigation ''. Even though we clearly applied for a loss mitigation. 

XX/XX/XXXX myself and my husband received separate letters of " Statement of Credit Denial ''. It explained that they can not grant our " loan modification '' at this time, even though we have never applied for one. At this point I had not mailed my XXXX paperwork for the contract because of the wording and unclear proposal by PNC. 

XX/XX/XXXX I called XXXX first thing in the morning with no returned message. 

XX/XX/XXXX I received Disclosure of Home Valuation from PNC. It valued our XXXX acre in XX/XX/XXXX at XXXX and in XX/XX/XXXX it had dropped to XXXX based on other sales around the area. We currently owe just under 100k now. 

By XX/XX/XXXX I emailed XXXX at PNC and still no response by ending business day. 

I am very confused with the paper work and their run around. XXXX told me on XX/XX/XXXX not to make my XX/XX/XXXX payment which concerns me since we have always been current, no matter how hard it makes it on our family financially. I am working with a real estate finance team and they said PNC has been known for doing shady work. I do not want to sign anything I do not understand and they do not want to explain it to me. This property is costing my family more money than it 's worth at this point. We have XXXX sick kids and it is becoming a financial burden the longer the half built home sits there. The sad thing is, they could have had all their money if they had just subordinated and let us build the home and sell it. Now, they 're in jeopardy of getting a half built home that 'll be foreclosed with no current permits since I wo n't be renewing if I ca n't get any help. Why should I put a bigger financial strain on my family with all the trips to XXXX XXXX hospital for a property PNC wo n't allow me to finish developing?
To Whom It May Concern, Upon research, XXXX schools I have attended have both been closed down. However, I never obtained a degree from the schools but the student loans balance still reflects the same as if I 'm a graduate from either schools. I 've tried reaching out to my loan provider Navient however no issue have seemed to be resolved. I 'm hoping you can assist me in getting this matter resolved.
I have been trying to get fraudulent charges of XXXX reimbursed and back into my account ASAP. 
Here is the background- XX/XX/XXXX FRAUD DETECTED AND THE FRAUD DEPT CALLED ME AND I CONFIRMED FRAUD AND THE DEBIT CARD WAS TO BE DISABLED. XXXX online transactions for a total of $ XXXX XX/XX/XXXX MET WITH BANK MANAGER AND SIGNED A NOTARIZED DOCUMENT STATING FRAUD. AGAIN ASSUMED CARD WAS DISABLED. 
XX/XX/XXXX. LOOKED ON MY ACCOUNT XXXX AND ADDITIONAL XXXX TRANSACTIONS HAD BEEN AUTHORIZED OUT OF MY ACCOUNT. ON XX/XX/XXXX AND XX/XX/XXXX. 
TEXTED BANK MANAGER AND HE SAID HE WOULD HANDLE FIRST THING IN THE MORNING. 
MONDAY XX/XX/XXXX I CALLED BANK MANAGER AT XXXX HE SAID HE WAS BUSY AT THE MOMENT AND WOULD GET RIGHT BACK TO ME. HE ALSO TEXTED ME THAT HE WOULD GET A NEW DOCUMENT FOR ME TO SIGN TO STATE NEW CHARGES WERE FRAUD BY END OF DAY. STILL HAVE YET TO RECEIVE I HAD NOT HEARD BACK FROM XXXX SO I CALLED AGAIN AT XXXX AND AND XXXX. HE TEXTED ME SAYING HE WAS WITH A CLIENT. 

I THEN CALLED THE CALL CENTER AND SPOKE TO XXXX. SHE CONTACTED XXXX AND SAID HE WAS WORKING ON IT AND WOULD GET BACK TO ME BY END OF DAY. 

XXXX XXXX ON MONDAY I GET A TEXT FROM BANK MANAGER ASKING IF I HAD TIME TO CHAT. 
AND THEN ANOTHER TEXT IMMED AFTER STATING HE WOULD GET BACK TO ME TODAY. 

IT IS NOW TUESDAY AT XXXX AND I HAVE NOT HEARD FROM YOU OR HIM AND XXXX IS STILL OUT OF MY ACCOUNT FOR 9 DAYS! 

LET ME ALSO TELL YOU THAT I MET WITH XXXX THE BANK MANAGER OF XXXX XXXX AND HE WAS INSTRUCTED TO DISABLE ALL DEBIT CARD WITHDRAWALS FROM THAT ACCOUNT. THAT WAS ON XX/XX/XXXX.
I recently applied for and received a loan modification from Selene Finance. Between the time that the loan modification paperwork was executed by Selene and the XXXX XXXX, 2016 statement, I anticipated that a XXXX payment would be due and did not want it to be late. Therefore, on XXXX/XXXX/2016 I sent a check to the bank and it was received. Two days after I mailed the XXXX payment, I received the XXXX statement from Selene indicating that a $ XXXX was due XXXX XXXX and that my next regular payment would be due XXXX/XXXX/2016. So I called them and asked them to credit the payment that they would be receiving to the principal portion of my account. They denied the accuracy of the $ XXXX statement saying that a system glitch had sent out the statement. However, I again received a statement today confirming that a XXXX - NOT XXXX - payment would be due on XXXX/XXXX/2016. Can you help me to get credit for the XXXX payment that I sent in and have it credited to the principal balance? Thank you so much!
My mortgage servicer, PNC Mortgage, sent me a series of letters notifying me that my flood insurance coverage was inadequate. Dating back to XX/XX/2015, I have called PNC XXXX times to straighten this issue out. I have had my agent, XXXX, arrange to send flood declaration pages at least XXXX times, ( dating back to XXXX XXXX, 2015 ) showing adequate coverage, which must be at least as much as my home owner 's coverage ( see attached documentation ). During the XXXX phone call ( XX/XX/2015 ), I was assured the problem would be taken care of and, I was promised a return call to let me know that the issue was resolved. I did n't receive a phone call, and instead on XXXX XXXX, PNC charged me {$140.00} for gap insurance that I do n't need. The only notification I received was a copy of the force-place policy in the mail.
never received any documents to show this is a valid. This public record was deleted from my spouse 's credit report which was the same as what is on mine and on mine it has been deleted or proof of verification.
On XXXX/XXXX/XXXX I ordered it and made a transaction by online using XXXX system with total price {$110.00} on my credit card. I have never problem to pay my bills, but in this case I did n't receive all my statements from XXXX XXXX - to XXXX XXXX I have no information about my bills to pay XXXX year. I do n't use American Express credit card at all XXXX XXXX system pick up my card automatically. ) so I did n't expect some bills. Anyway on XXXX XXXX I figured it out about my missing statements so I called American Express. We both of us by phone find out a situation about wrong address there XXXX it was missing apartment number on the bill ) what was n't my mistake. Suddenly I paid total price {$110.00} on XXXX XXXX, XXXX. I did n't change my address 17 years so I do n't know what happened. Now American Express ask me to pay all interest and penalty. I was on the phone a lot of time and I send a lot of letters -does n't work. The case was moved to debit collector. It 's not right I do n't want to pay for other people mistakes. American Express created this situation and now ask for money. I am a good customer who paid bills always on time. Except this case because I think American express find a easy way how got money for free. I do n't want to except that. 
Thank you very much
I have an American Express Bluebird account which I make deposits into and essentially use a debit card to make transactions. There have been quite a few instances that I simply can not file a dispute of transactions. Bluebird states that if you send in a written notice of a disputed transaction that it will be addressed. I did just that and never heard back from Bluebird about my fraudlent transaction.

There is no way to access fair dispute processes with Bluebird at all in addition to there not ever being a live human to speak with about concerns.

Once again I had to close down my card and reorder a new one because of a lost card, however I can not speak to a live person and there is no formal process of filing a dispute that will be addressed.
I have a lot of Fraud Incuries from all kinds of banksXXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and none of them are removed from any off my creditreport with Equifax or XXXX
I have been getting phone calls from an agency. The calls always come in from " unknown '' " anonymous '' or " blocked '' telephone numbers. The first call I got was from someone stating he was am " enforcement officer ''. He told me he had been " looking for me ''. He said since I had made his job difficult he was going to make my life difficult. He then provided me with a telephone number to call as well as a case number stating there was a legal case being filed against me. The phone number is : XXXX. Not 2 minutes after I hung up with him I got a voicemail message on my phone from a female leaving the same number so I called it back. 
They say they are " XXXX '' I called the number and spoke to a lady who told me fraud charges were being filed against me for a payday loan I defaulted on from 3 years ago. She said her agency had purchased the debt and I owed them {$2000.00} to stop them from taking me to court. I told her I did n't have the money. She then listed names of friends and relatives stating she was going to contact them as well as my employer and tell them just what kind of person I was. I asked why they called from unavailable numbers and were threatening me. She said they do n't make the calls that they hire outside agencies to handle that and they only take incoming calls and that they can do anything they want they have a 99 % success rate and hung up on me. Several hours later I received a call from my sister who resides on the other side of the country in XXXX. Her mother in law got a call from someone looking for ME. I have never even met my sister 's mother-in-law. She is elderly. Whatever they said really upset her and it was embarassing to me. I 'm not sure what to do. It just does n't seem right. On a side note, my address and phone number have not changed since I took out the loan years ago. I have lived at the same address for 7 years. They obviously know how to reach me, they are choosing to harass me to try to intimidate me or something. It 's kind of scary.
Hello, I recently looked on my XXXX XXXX Account and noticed a few hard inquires with my profile. 

1 - Syncb/XXXX - This was approved by XXXX and I should not have any hard inquiry with this card as it was approved and not declined. Please remove this from my credit account. 

2. Paypalcreit ( XX/XX/XXXX ) - PayPal will not list that this will affect your credit score, nor did I apply for paypal credit. They've not provided information on what this was for and I would like this removed as well. 

3. XXXX XXXX ( XX/XX/XXXX ) - I did not apply for any loans, I did look at loan " offers '' through XXXX XXXX, but I did not apply for any to pull credit information from my account. 

4. XXXX XXXX. ( XX/XX/XXXX ) - I had a secured card from XXXX XXXX, therefore this should not effect my credit score, I did not apply for any other card besides the secured card that I had opened. 

Please remove these from my account.
I sent a dispute to Equifax in XX/XX/XXXX to dispute late payments. I sent them proof ( copies of my forbearance approval from XX/XX/XXXX-XX/XX/XXXX ). They only updated the late payments for XX/XX/XXXX. I again sent them my entire forbearance history and was told that it was updated by the grantor. They didnt even look at the information I sent to them. From my understanding, they 're suppose to verify the information and have my files that the lender send to them on file. Not refer to the Grantor for confirmation. 

They were removed the loans form my report then got a notice the following day that it was updated. 

I want the loans to be removed from all XXXX credit agencies as they 're not reporting the correct late payment dates and are suppose to update according to the information sent to them. 

I also attempted to reach direct to XXXX but I was n't able to get any help with updated my history which resulted to me contacting the credit agencies.
On XXXX/XXXX/2015, I closed my bank account in person at the XXXX, IL location for Fifth Third Bank. 5/3 re-opened this account and proceeded to charge me upwards of {$900.00} in NSF fees, although I had closed the account in person. Any transactions that had come through were unauthorized and/or fraud. 5/3 failed to notify me by letter, phone call, or provided me with any statements indicating the account was overdrawn. In fact, they had blocked my online banking user id, so I was never even able to look at the account again after it was closed.
Hello all, My complaints with my loan servicer, and specifically my XXXX XXXX loan forgiveness payments, are as follows : Complaint # 1 : A qualifying payment of {$260.00} was made on XX/XX/XXXX, with a due date of XX/XX/XXXX. PHEAA says payment does not qualify is because, " You did not make this payment within the required timeframe. '' I made the payment 10 days before the due date. 

Complaint # 2 : Submitted annual recertification the Spring of XX/XX/XXXX via fax ( the only way for paperwork with the company at the time ). Try to contact company multiple times throughout XX/XX/XXXX ( even made extra payments ) to check on my status, and still received no word of my recertification. Because of this, I was forced to put my loan into administrative forbearance. I finally receive certification in XX/XX/XXXX, 6  months of missed time. 

Complaint # 3 : Delays my income/employment certification AGAIN from XX/XX/XXXX through XX/XX/XXXX. Another 3 months I can not count due to their unbelievable delay/lost paperwork. If you look through phone records on my account, a manager called me back informing me of restitution for their errors, which never happened. 

Complaint # 4 : Paid {$320.00}, based on an email from them saying " We want to remind you that your payment of {$320.00} is due on XX/XX/XXXX. '' However, is not counting the payment because " You did not pay the full installment due. '' I have an email in my hand right now that showed them saying I owed {$320.00}. I paid exactly what they asked. 

Complaint # 5 : Another extreme administration delay in processing my paperwork for changing my repayment type, this time from XX/XX/XXXX through XX/XX/XXXX. It is unfathomable that it takes 3 months to review paperwork that can now be automatically uploaded online and reviewed. 

As seen in the Massachusetts lawsuit against PHEAA has failed to process borrowers ' IDR applications timely and properly, thereby depriving borrowers of the opportunity to make qualifying monthly payments that count towards loan forgiveness. To accommodate its processing delays, PHEAA has put borrowers ' accounts into forbearance status, which is not a qualifying repayment plan for loan forgiveness. This is not acceptable, and I am requesting that the above mistakes and delays be corrected via restitution. As a XXXX  XXXX working for a XXXX, I 'm relying on this program and these mistakes are unbelievable. Please help.
I scheduled automated monthly payments for my Dillard 's account. The payment were never processed and several late fees were added to my account.
XXXX made an error on my account, stating I didn't turn in my hardware equipment and tried to bill me for it and sent the account into a collection agency ( North Shore Agency ). 
this was posted on my credit score in XXXX  and negatively impacted my credit score, dropping it from a XXXX credit score to a XXXX credit score. Numerous calls from North Shore Agency bothering me about this and me having proof of all bills paid in full and hardware equipment being dropped off to a XXXX location with the date and tracking number, serial numbers of the equipment being returned to XXXX.
I recently purchased a house and Equifax was exclusively one of the agencies that was running my credit report. 

My information should be held privately by Equifax and they allowed that information to be obtained by a 3rd party that I did not authorize. 

I have currently placed an Initial 90 Day Fraud Alert on my account but I feel that this will not cover the damages, should this become an issue down the road. 

My vital information is not changing and Equifax has carelessly handled my information and allowed an unauthorized source to obtain my information.
Hello- Back in XX/XX/XXXX ( yes, XX/XX/XXXX ), I bought a pack of guitar strings for {$3.00} from XXXX XXXX ( at that time a XXXX XXXX - XXXX XXXX card ). Around this same time, I switched addresses and in fact did not once ever receive a statement from this company about my very small purchase in XX/XX/XXXX ( not one statement ). Over the course of 5-6 years, this account grew into almost {$1000.00} in interest alone on 1 purchase : a pack of guitar strings. I ran my credit back in XX/XX/XXXX ( when I discovered this ) and contacted XXXX XXXX 's corporate office at that time ( XXXX ) and we came to an agreement. I would pay {$55.00}, the account would be closed, and this would not ( a promise that they made ) ..this would not even show up on my credit report. They also took a great deal of responsibility for this ordeal and it 's drastic impact on my credit. I also informed XXXX XXXX  that I have purchased 6-7 guitars from them over the years. But since then, they have no record of anything and neither does any bank associated with this horrific disaster. Since then, any credit card I have opened has had a very high interest rate and I was informed that it was due to the XXXX XXXX card in every instance. Recently, I almost was denied a personal loan and was told it was because of this XXXX XXXX card from XX/XX/XXXX! My personal loan as well has a higher rate ( 10 % in fact from a credit union ) ALL due to the negative impact from the XXXX XXXX card which I paid in full. Of course, I had some credit cards as well with high amounts but was informed the negative impact from the XXXX XXXX card is what determined the high % interest rate. I have contacted XXXX XXXX 4-5 times over the past few years and they basically tell me 'tough luck ' ( or I could phrase that another way as they are truly a despicable corporation ). 'We can not find your account, it does not exist '. 'We have switched from XXXX XXXX to Synchrony Bank . Please contact either of these banks to see if they can locate your past account '. NO BANK, NO COMPANY, absolutely no-one can even find me by my name, SSN, anything ... it is as if the account never existed. YET it is still on my credit as a negative when I was promised from day one that it would never even go on my credit. So now we are 14 years later ( XX/XX/XXXX ) and XXXX and XXXX reviewed my recent dispute. Their response was : 'looks like it 's going to stay on your credit! '. I love that no research was made by XXXX or XXXX and I was given a blank, computerized statement that sounds just like XXXX XXXX 's lame excuses. For the love of XXXX, I 'm really not asking much. I 'm asking for XXXX XXXX to be held liable for their lack of ethics, organization, and actions. My next step is legal action if this is not removed. I 've had enough of being taken advantage of ( primarily the extremely high interest rates from other banks due to this, not being eligible for a home loan, etc ... all due to this XXXX XXXX card from XXXX ).
I never completed a XXXX XXXX bankruptcy, and there 's no reason it should even be on my credit report. I was told this would never show because it was dismissed and never filed due to the fact that I did n't have the most recent Tax Return to complete the process so it was dismissed. This should be removed immediately.
I received a XXXX XXXX Tuition Answer student loan in XX/XX/XXXX or XX/XX/XXXX. The {$25000.00} dollar loan has since more than doubled that amount since I first received it. Another problem I am having is with Navient Solutions the servicing company handling the collection of the payments. Navient has ruined my credit standings with XXXX and the other XXXX credit agencies. On XXXX XXXX XXXX, I called Navient and informed them that I was living in a hotel due to a fire in my home, and at the point I tried to use my several months forbearance. Navient Reps gave me the run-around for several months telling me I had to speak to a specific rep that had approved the forbearance but every time I called asking to speak to the reps some of the reps told me they did not know who the rep was or she was unavailable at the time. I continued to call and now the reps story was I was unable to use the forbearance because I did not have enough months to cover the time period in which my payment was due. I was finally granted the forbearance for the time period XXXX/XXXX/XXXX to XXXX/XXXX/XXXX but they still reported me as being late after granting me a retroactive-forbearance. During the forbearance I made XXXX payments of XXXX. One of those XXXX payments was for the month of XXXX XXXX XXXX this is one of the months they have reported me to the credit agencies as being late. They refuse to change the information with the credit agency. I have reached-out countless times still the information on my credit report remains the same.
XXXX  has the following information on my credit report and it is not correct : Shows a collection accounts from : XXXX XXXX XXXX XXXX XXXX XXXX Hunter Warfield , Inc . 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX. This does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX This account was never late. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX This account was never late Shows an inquiry from : XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this.
I am desperately trying for a loan modification. I submit all of my financial information, along with paperwork to show my home is worth {$140000.00} MAX, I would be lucky if I got that. My mortgage company keeps denying me for a loan modification stating they can not create an affordable payment for me because, according to their ELECTRONIC valuation ( not even a real appraisal ) that they think my house is worth {$230000.00} according to their last denial letter in XXXX, the AVM value was XXXX. I wish! I live in an old home ( built in 1942 ), it is only XXXX sq feet and located in a very rural area ; in AVERAGE/FAIR condition. If I could get that much money on it I would sell it. I tried telling them this information and sending documentation but nobody will listen. My house is worth no more than {$140000.00} and MAYBE {$150000.00} and that is on the higher end. I have attached my written authorization to direct all further correspondence on this matter to XXXX, XXXX and XXXX at XXXX XXXX ; I have also attached records of my house and notice of valuation from our county assessor.