WillisBack/dataset-financial-user-claim huggingface dataset:
I signed up for a new cash rewards card with PNC months ago and was suppose to receive a bonus of XXXX dollars when I spent 1000 or more total in three billing cycles. I called PNC numerous times and was asssured I had met this just keep using the card and was just taking sometime. Finally it reach where it was was taken to their complaint department after calling again who called me back recently telling me they dont have any promotions for XXXX dollars back yet its clear as day they do and is posted online still today. So in the response submitted to the CFPB I ask PNC provide all promotions offeres in the last year to current. Furthermore, failing to provide the advertised promotions is possibly a direct violation of unfair predatory banking practices and possible violations to consumers protection acts and the Dodd Frank Acts. Many new accounts were opened with PNC and people arent getting what was advertized which is not only unfair to consumers but other big banks like XXXX and XXXX  XXXX XXXX who have honored their promotions and agreements with consumers.
Procollect Inc. contacted me in XXXX first time to collect a debt that I did not owe. I disputed it throughout credit bureau at that time. The same company tried to collect the same debt that I did not owe XXXX more time before today. And today I got a letter from the same company about the same debt that I did not owe ( XXXX/XXXX/XXXX ). 

The amount is {$360.00} and the creditor is XXXX XXXX XXXX. 
I want them not to contact me about the same debt that I did not owe any more.
I had no idea I owed money thought I was paid off said I owed XXXX and it 's almost {$800.00} now
On my PayPal app I received an alert that I have sent XXXX, XXXX XXXX, {$22.00} GBP which is {$30.00} USD. I never authorized that money and i dont even know who that is. This happened on XX/XX/XXXX at XXXX XXXX EST. I have filed a dispute but they will not follow up with me instantly and this XXXX XXXX person is supposed to fully receive the money on XX/XX/XXXX. I think I may have gotten my account scammed. I already changed my password. Please help me get my money back
IN XXXX 2016 I HAVE SENT IN XXXX PAYMENTS FOR MY MORTGAGE PAYMENT AND THEY HELD THE XXXX ONE BECAUSE THEY SAID THAT I DID NOT PAY THE WHOLE AMT. I TOLD THEM CAN THEY LEGALLY HOLD MY MONEY AND REFUSE TO APPLY IT TO THE MORTGAGE LOAN AND THEY SAID YES THEY CAN DO THAT. IS THAT CORRECT? I THEN SEND IN A XXXX PAYMENT IN THE SAME MONTH THEN THEY APPLIED THE FULL PAYMENT TO THE LOAN AFTERWARD. I WRITTEN LETTERS TO THEM ON XXXX XXXX, XXXX XXXX, AND XXXX XXXX THRU FAXES AND ALL FAXES WERE SENT TO THEM SUCCESSFULLY. THEY WROTE BACK AND SAID THEY RECEIVED ALL CONCERNS BUT REFUSED TO GIVE ME AN ANSWER IN WRITING IF IT WAS LEGAL OR NOT TO HOLD MY MONEY. I TOLD THEM THAT THE XXXX PARTIAL PAYMENTS I WANT THEM TO APPLY ON THE DAY THEY GOT IT AND NOT HOLD ONTO IT. IN ADDITION I WANT TO KNOW IF THEY LIED TO ME OR NOT WHEN I WAS IN A LOAN MODIFICATION IN THE PAST 2 YRS OR SO. I ASKED THAT SOME OF THE MORTGAGE LOAN TO BE FORGIVEN BECAUSE I WAS TOLD BY THE MAKING HOME AFFORDABLE ACT THAT IF YOU HOUSE IS VALUED LESS THAN WHAT YOU OWE YOU SHOULD BE GRANTED THAT AMT. I HAVE ASKED FOR THAT TO DO BE DONE SINCE SPS XXXX VALUE CAME IN AROUND $ XXXX BUT THEY SAID NO THEY WILL NOT DO IT. I ASKED SEVERAL TIMES ON THE PHONE AND IN WRITING. CAN YOU TELL ME IF WHAT THEY SAY IS CORRECT THEY DO N'T HAVE TO FOLLOW THE RULES OF MAKING HOME AFFORDABLE ACT. I HOPE TO HEAR FROM YOU.
I have been deniged credit cards throw XXXX card company and XXXX card company and XXXX   card company and XXXX XXXX company for XXXX years now ( only pre-paid could I get ) You have a XXXX states fraud scams using my documents and a XXXX  states business permits scams listed frauding my documents XXXX  states products frauding my documents as food and clothing and shelter like homes and RVs and then as topical maps for sinage Fashion show fashion industry frauding my documents Government business permits scams frauding my documents Frauding scams using singers and bands and actors frauding my documents Frauding scams using my documents as attorneys and lawyers and judges and law partners Frauding scams using my documents as politican listings Frauding scams using my documents as banking business permits scams Frauding my documents as herds of XXXX listings Frauding my documents as sports players and sports permits Frauding my documents as dictionary companies term 's and dictionary products Frauding my documents as auto stores Frauding my documents as a boat XXXX Frauding my documents as XXXX states diner menus Frauding my documents as XXXX  states grocery store products Frauding my documents as advertising Frauding my documents as accountant and CPAs Frauding my documents and books and book authors Fraud scams using XXXX pages Frauding my documents as auto repair.. frauding my documents as RV products using XXXX. frauding my documents as theater groups Frauding my documents as XXXX trucks Frauding my documents as XXXX families Frauding my documents as XXXX families Frauding my documents as XXXX families Frauding my documents as corporation Frauding my documents as XXXX XXXX Frauding my documents as international business permits scams Frauding my documents as XXXX XXXX scams and XXXX business permits Frauding my documents as XXXX XXXX scams and business permits Frauding my documents as reality agents and offices Frauding my documents as banking business Frauding my documents as furniture store and bedding products
Phoenix Financial opened a collections account for XXXX on XX/XX/2018 Firstly the date is in wrong and doesn't correspond to any time I went to the hospital. Second all of my hospital bills were paid by me directly at the time service was rendered and all other charges are between the hospital and the insurance company. You shouldn't be able to decide months MONTHS! later that someone owes you another XXXX and then send that amount to a shady collection agency that then waits months and puts buts a bogus collection on my credit report for a XXXX  charge.
XXXX  refuses to remove disputed addresses, including addresses in other states that I have never lived in and addresses that do n't exist, are spelled incorrectly and belong only to relatives.
Transunion currently has my name and address listed on my account in various ways and it is severely negatively impacting my credit worthiness. I have requested on several occasions for this to be corrected. Via sending in my current license, and my marriage license. And the corrections still have not taken place.
XXXX XXXX was denied a modification on his home equity line of credit because Chase stated the loan is at an affordable payment. They have not offered any other alternative other than a short sale. XXXX XXXX has been paying his XXXX mortgage on time which also is with Chase. There are IRS liens on the property. XXXX XXXX is on a payment plan with the IRS. The house is underwater. XXXX XXXX was simply asking to capitalize the arrearages. This is an interest only line of credit currently. XXXX XXXX is in residential construction and had suffered through the recession which affected the housing industry since XX/XX/XXXX The past year in XX/XX/XXXX was the XXXX year which was profitable
My Credit Score has been lowered the Credit Agencies ( XXXX XXXX, XXXX ans Equifax ) is and has offered an explanation claiming " HARD INQUIRIES '' is and was the reason ( s ) for the Credit Score being lowered. When I initially filed my Complaint with cfpb for this issue I offered my explanation and why I feel the Score should not have been lowered. I have been shopping for a NEW vehicle and the Dealerships as part of the deal making process they always request to check your Credit and with the understanding that my Credit was o.k. I would agree to the check. Also I have open several Credit Card accounts they also made checks into my Credit History. I had and have no control over the manner of the inquries whether they are HARD or otherwise. Regardless, my Credit Score should not be lowered due to how it was made and the number of times its checked. The Consumer should not be penalized for the number of times the Credit History is checked or the manner of the check. It has not been easy to have the incorrect information removed from my Credit History or rebuilding my Credit. Now that I can see a vast improvement the Credit Reporting Agencies want to penalize my efforts by the number of HARD INQURIES which are outside of my control.
I discovered a negative statement on my XXXX credit report from the following company : IC System Inc. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MN XXXX The statement references a supposed debt of {$350.00}, owed to a company called XXXX XXXX. I have advised both XXXX   and IC System Inc. on multiple occasions that I dispute the referenced account in its entirety. I have never heard of XXXX XXXX, and I have never used their services. 

On XXXX XX/XX/2018, I submitted correspondence to IC System demanding that they provide me with documentation supporting their claim. To date, they have failed to comply with that demand. XXXX 's response to previous disputes has been that, based on their investigation, the information provided by IC System would remain on my report. I can only conclude that their investigation consisted solely of asking IC System if the claim was valid, and accepting their positive response ( with no supporting evidence to prove its validity ) as truth. 

Because of IC System Inc. 's inability to support this claim, or their failure to do so in a timely manner, it is their responsibility to remove their derogatory comment from my XXXX credit report. Im not interested in the posting of a statement that the claim is in dispute. I want the claim completely deleted from my record.
I made a purchase on XX/XX/2018 at XXXX XXXX XXXX XXXX and financed the purchase with Syncrony Bank. The amount being disputed is {$4000.00}. However the store was unable to get the furniture available for me to pick up. After waiting longer than a month I requested a cancelation because I was getting monthly statements even thought I did not have any item on hand and had already made 2 payments. I thought they were going to charge the account until the items were ready for pick up. Either way, the store manager informed that he had processed a refund on XX/XX/XXXX but I still have the charge on my account. I called syncrony to open a claim and they told me I had to resolve with the store first and refuse to open a claim. I went to the store and the manager said there was nothing else for the store to do because a refund had been processed. The last time I called and requested to speak withe the manager they told me they had nothing else to do, that my case was closed. 

I called again Syncrony bank and they started a dispute. However I have not received a letter from them.It is been 1 month and 1 week that I opened the dispute the it has not been resolved. I asked for a proof that they are working on the case and they have no proof at all. Usually when I open a dispute I get a letter with the case or summary of the issue but I have not received anything. 

I have proof that I did not received any merchandise because the store manager wrote me a receipt saying I did not received the items but Syncrony is just not working on the case to get it resolved. My credit score has gone down because of this high balance. 

Someone needs to get involved in this so Syncrony can change their system on how they work on claims. It is not possible that a customer gets scammed this easily and they don't do anything. 

I have requested twice to speak with a supervisor from Syncrony and they keep getting my phone number to call me back. I have yet to receive a call. 

This is the info shown on my card Syncrony Financial XXXX
On XX/XX/XXXX at XXXX. I made a deposit using cash app of XXXX. The deposit appeared in my BB & T account and then I heard reports on the news of a bank failure. I checked my account and I saw multiple over draft fees and that my transation was no where to be found. I checked with cash app and indeed they did transfer the money at XXXX. I personally saw the funds there. When contacting the bank, I was told that they have no record of the transaction. I have asked if they would like me to send them any records I have and they have refused to acknowledge that they ever had the credit to my account.
This Company has an Alleged Debt and is Reporting my private information that is not Verified and or Accurate and is in Violation of the FDCPA and the FCRA federal Laws, this name is also a COPYRIGHTED name and has Legal ramification.
I went to a branch of my bank on Friday XXXX XXXX, 2015 at XXXX to deposit my paycheck. I had a question so instead of using the ATM I went to a teller. I asked my question and gave the teller my bank card and my endorsed check and she gave me back a slip. I checked the amount but I did not have my checking account number, I assumed it was correct. 
The next day I checked my account and found it was not deposited. I called the bank and explained the problem. I was told this was now a dispute and it could take as long a ten days to correct it. I tried to explain to the banker it was not my mistake and as it was my paycheck I could not wait ten days for my money, but was told sorry but there was no other recourse. If I overdraw my account they have no problems charging me fees and compounding them if I do not take care of it immediately how if it right for them to hold my money for ten days.
I 've been a victim of identity theft. On or about XX/XX/XXXX I 've obtain a XXXX Credit card and was given a free credit report. I soon then gotten a delinquent notification on my credit report. I then found out that I have a XXXX 's CC that I never open. The last time that I applied for a XXXX 's CC was back in XX/XX/XXXX and I decided not to use it because I only have a limit of {$100.00}. I soon called and find out that the XXXX 's CC was open on XX/XX/XXXX and the person who did this was making payments on it. I called and ask about how this has happen and filed all type of paper work to get this fix. But it been about a year now and nothing has been fix. I submitted A police report followed up with a identity theft affidavit to help me get this fix. But XXXX 's department keep denying my case for over 1 year now. I 've even got the purchase info for the person who was using the account and it was clearly a woman whom was using the account and yet the said it was me and denied my claim because they said that I open the account with me ID. But clearly this a identity theft issue. XXXX 's has yet understand that. They will not give me the account number because they said it 's a identity account but after even saying that, they are still pursuing me to pay the amount that I never use or open up.
I have a business account with this XXXX XXXX branch of First Niagara Bank. I am the sole proprietor of this business. 
I am the only person that has authorization to sign checks from this account. As per my signature card form. 
My husband and I have recently separated. He was made to leave the home and in the process of moving he located some checks in regards to the business account and took them to a teller and they cashed the checks. ( {$2600.00} ) He had never signed or cash checks in the past. He signed his name on the checks and provided his ID. Although, he is not an authorized signer on that account. 
I received a letter from their investigating team saying they are not liable for any forged funds on my account. The perpetrator did n't forge my name he signed some forms of his name. 
The branch advised if I filed a police report they would refund my funds immediately. Although XXXX XXXX Investigations Analyst XXXX XXXX advise I should have better control over where I leave my personal items and said I could not retain my funds from the bank. 
I have since had to closed that account for fear of the same thing happening again. 
I was always under the impression signature cards were an authorization for signing checks. Please help me understand his decision.
Im a veteran who attend the school in XX/XX/XXXX-XX/XX/XXXX. I used my post XXXX GI Bill with all my expenses covered through it yet somehow I have an outstanding Stafford loan for over {$8500.00} it has ruined my credit. I didnt want or need the loan. I believe the school is for profit and submitted for the loan fraudulently. This isnt how the GI Bill works. Please help.
I have a military star card and it went into collections after I had some trouble with changing my account while I transitioning out the military. Any way I have been trying to resolve this debt for a while and even offered to pay month to month. One guy I offered that to denied the payment and said it wouldn't be enough. I believed I offered XXXX dollars a month since that was what I can offered at the moment. I then called back and tried to offer a settlement since they took around XXXX $ from my tax returns. When I get a notice in the mail and the statement shows how much I owe it is from military star and not from XXXX. XXXX tells me its like XXXX more then the statement says when I try to pay them. I called XXXX again just recently and tried to get information on all the options I have to handle this account and the operator quickly got disrespectful. She rushed me and said I can pay in full now or set up a payment plan and if I can't do that its nothing she wanted to talk about. I then just told her again I just wanted a little more information she then said she not arguing with me and then tried to hang up on me, she said goodbye. I then remained on the line and she came back on disrespectful again and I just said I was trying to have a real conversation so I could get this cleared up. I then asked for her managers number and she gave me this phony number that rung once and auto reply answered and replied I have reached an unassigned number XXXX and hung up. Here is the number XXXX
On XX/XX/XXXX Allied Collection Services located in XXXX NV, added four accounts to my credit report. I called and reported to them that the accounts are not mines and I 'm a victim of identity theft since XX/XX/XXXX. I had to file bankruptcy just to clear my name. I 've emailed my bankruptcy paperwork to them so this matter can be cleared and nothing has happen.
I tried to purchase XXXX BTC from coinbase I received an email stating my order was cancelled. so I withdrew money out of my bank account. coinbase still deducted the money for the purchase out of my bank account via my debit card. Which overdrew my account. I never received any Bitcoin and coinbase does not respond to my emails. My coinbase account is under the email address XXXX  At the time of purchase the amount of Bitcoin was worth {$450.00} plus they charge me a fee for loading the account when I only use them because they said by Bitcoin for free with a debit card
On XX/XX/18, I reviewed my credit report, and noticed two inaccurate accounts. 
1. XXXX ; this account is too old to remain on my credit report. 
2. XXXX XXXX ; This account is too old to remain on my credit report. 
According to the fair credit reporting act, inactive accounts may not remain on a consumers credit report for more than seven years. Both of these accounts are older than seven years and should be deleted.
Hello, My brother  XXXX   XXXX   XXXX  worked with  XXXX  in  XXXX  and met his obligations under the Loan Rehabilitation Program and as such his loan was returned to Navient ( attached ).  XXXX  's account number with  Navient  is  XXXX  and his loan number is  XXXX .     My brother was not working and had   XXXX   medical conditions, living with my parents and relying on them for all care. On  XXXX   XXXX ,  XXXX  my brother 's body was discovered and he was pronounced deceased. An autopsy was required and the final death certificate was released on  XXXX   XXXX ,  XXXX   XXXX  attached ).     My parents are  XXXX  and  XXXX   years old, liv ing on a fixed income reliant on social security. I supported my parents in managing notification to all medical providers and Navient to get the accounts closed. My brother left no estate and instead only died with bills.     On  XXXX   XXXX ,  XXXX  I contacted Navient and spoke with  XXXX  and he indicated I needed to submit to them the death certificate once it is released and then they would close out the loan. On  XXXX   XXXX ,  XXXX  I mailed  Navient the death certificate ( attached ). On the next bill from Navient i t was addressed to my fathe r ( attached ), so I contacted Navient  to check on the status of getting the loan cancelled. They told me it can take several months for the death certificate to be processed.     Over the past 3 months  Navient has called my parent 's home up to 10 times  a day, sometimes as late as  XXXX   XXXX , asking for the loan to be repaid. During the first month my parents would explain that my brother was deceased and that the loan should be closed. I called   Navient twice during this time period and each time was told that they had not processed the death certificate yet and that it can take time to be processed. I let them know that each call Navient makes causes emotional trauma to my parents because they find it so difficult to speak about my brother 's death. They assured me the calls would stop.
I told my parents to stop answering Navient 's   calls because they assured me they would cancel the loan once the death certificate was processed. Last week I called them to check on the status and they informed me that they will no longer speak with me. I asked why and they said that my father was a co-signer on the loan so they will only work through him. I explained that I was not aware of this and said that my father will have a difficult time speaking with them because he will get confused about what is going on. I also indicated my parents never mentioned anything about co-signing and if it did happen my father likely did not understand what he was doing.     I subsequently spoke with my parents and my father indicate he recalls signing a form to help my brother but did not realize it meant he would have to repay my brother 's debt. As I previously stated, my father is  XXXX   years old, living on  a fixed income.
I have been making payments to Navient in regards to bringing my past due account current. I was told by a customer service rep at Navient upon agreement that as long as I am making payments according to the agreement to bring my account current, that I would not be reported any further delinquent on my credit report. I recently received an alert that I was reported 120 days late and I have made payments on- time according to the agreement with Navient . They have therefore reneged on their part of agreement with me to not report my account any further delinquent when I have made payments on time according to the agreement set forth 2 months ago.