WillisBack/dataset-financial-user-claim huggingface dataset:
This is in regards to two checking accounts I have with PNC. One is a business account and the other is a personal acct. Because I have issues with getting paid by my employer in a timely matter there has been some problems with my checking accounts. However I have always paid the Overdraft fees whenever my accounts were charged. This time I have serious issues with the way PNC has handled my accounts and the late charges they keep racking up. On Sunday XXXX XXXX 2017 I tried to make a deposit with two of my paychecks thru the ATM at the XXXX street branch. I received a receipt back saying the card was not useable and to call the banking institution. I also received the original two checks back. I immediately went home and called PNC. I talked with a XXXX in customer service, who informed me that the checks went thru and she removed the hold on my account. She told me the funds would be available on Tuesday XX/XX/XXXX. I also asked her that any late charges will be paid with the deposits. She assured me yes but to call on Monday to see if I could get any of them waived. I also asked her how could the deposit be good when I still had the original checks. She assured me it was. The deposit did show on online banking until Tuesday XX/XX/XXXX. Then it totally disappeared. So I assumed she was incorrect in her conversation with me. Now they keep withdrawing out of my account and are charging me late charges. If the money is not there why would you let these transactions go thru? This is awful customer service and to have amounts disappear off the system what else can they pull?
I paid this debt before I got it properly verified. After I paid the debt, I wanted to make sure none of my rights were being violated. I am concerned that m y HIPAA rights  have been violated. The original creditor of this debt is  XXXX   XXXX . I a sked for verification for this debt ALONG with my consent to release this debt. Frost Arnett sent me a complete itemized statement with my cpt codes concerning some very private tests that I '' ve had. This is a very d elicate situation for me and I do not want my files sent to anyone and any company without my permission. Although they sent the statement, they failed to send me any documents that allowed them to have possession of my personal belongings. Thinking that maybe this was a mistake on their end, I sent a letter on  XX/XX/2017    for the verification AND proof of consent of the release of my documents and I have a receipt that shows they received it o n the 3rd. This time I heard nothing back from the company.
My vehicle and my personal property were wrongly repossessed as a result of not formally being notified of my right to redeem post-repossession. Herewith are the documents which will substantiate my claim.

* NYS VAT 425. POST REPOSSESSION PROCEDURES * VNB EXPLANATION OF CALCULATION OF DEFICIENCY LETTER DATED XX/XX/XXXX STATING I WAS PREVIOUSLY NOTIFIED ABOUT THE SALE ON XX/XX/XXXX * VNB PAID LOAN LETTER * WHAT CONSTITUTES A WRONGFUL REPOSSESSION ON-LINE DOCUMENT * RETAIL INSTALLMENT CONTRACT REMEDIES ON DEFAULT. IF THE VEHICLE IS REPOSSESSED I MAY HAVE A RIGHT TO REDEEM IT IN ACCORDANCE WITH APPLICABLE LAW.

* XXXX  REPORT DATED XX/XX/XXXX LISTING THE REPOSSESSION.
AmeriHome Mortgage Company managed my mortgage until XXXX when I refinanced with XXXX XXXX. On XX/XX/XXXX, XXXX XXXX paid off the mortgage and a new loan was created with XXXX XXXX. 

On XX/XX/XXXX, AmeriHome also withdrew the XXXX Mortgage payment. 

I immediately notified AmeriHome Mortgage Company and asked about my escrow and a last payment refund. The escrow refund was received at the end of XXXX, but the XXXX overpayment was not processed. 

I called every week ( at least twice a week ) and inquired about my XXXX mortgage refund. I had to escalate my problem to supervisors and still did not receive my refund of the overpayment. I was incorrectly advised that the overpayment would be refunded with the escrow ( it was not ). After the escrow payment, I continued to call and request the XXXX mortgage payment. The payment was finally received after XX/XX/XXXX ( more that 45 days after the total loan was paid off. ) As a senior citizen that {$1000.00} plus extra plus mortgage payment puts a burden on me, so I continued to call AmeriHome for a refund of my overpayment. I even overdrew my checking account waiting for this refund. 

I advised them that I would be filing a formal complaint and they advised me that I was not entitled to any late fee or interest. If my mortgage is late, they would charge me interest so their failure to refund my overpayment immediately ( despite numerous calls and complaints ) should include interest.

I discussed filing a formal complaint with the company and they advised me to write the president of the company and that is why I am writing you to escalate my concerns to the president of AmeriHome Home Mortgage.
I applied for and was approved for a mortgage loan with a rate lock with no points good to XX/XX/XXXX. I have been waiting for my closing which was scheduled for XX/XX/XXXX, changed to XX/XX/XXXX and now XX/XX/XXXX. I received an updated loan disclosure stating that the rate has gone from 3.75 to 4.25 and I will be charged points. Even though the rate lock has not yet expired.
I submitted a mortgage application with MLB Residential Lending , LLC for a refinance in mid XX/XX/XXXX. I went through all the processing and received a " clear to close '' from both the lender and closing attorney on XX/XX/XXXX. The loan was scheduled with the title company for settlement on XX/XX/XXXX. On XX/XX/XXXX, I received a notification from my loan officer that the underwriter stated that the loan can not close as structured due to investor guidelines and will need to be restructured as a purchase. Over the next 3 weeks I submitted all the necessary documentation as requested by the lender and received the new disclosure paperwork on XX/XX/XXXX. I signed the paperwork and completed additional documentation that needed to be physically printed, signed and faxed back. This was done in the morning and in the same afternoon I received an email stating my loan status has changed to " denial ''. I was instructed to contact my loan officer with any concerns or questions. I went online to review the denial thinking it had to be a mistake and found my loan was denied to " incompleteness ''. I contacted my loan officer as instructed to find out he now was " no longer '' with MLB Residential Lending , LLC. He therefore instructed me to contact them directly. I emailed them to follow up on what was " incomplete '' and why I was not notified or given the necessary paperwork or opportunity to complete it. I received an email back stating it was " incomplete '' and therefore the loan was denied and given no additional feedback or information.
I 've been in and out of forbearance for many years after my XXXX graduation, while trying to keep up with Federal loans as well. Every time I tried to setup a payment plan, or make payments by phone through XXXX XXXX/Navient 's automated system, payments would be disbursed incorrectly. In XXXX of XXXX, I made an automated payment by phone. When calling in to check on that automated payment, each person I spoke with kept telling me the same things- 1 ) my payment has already gone through and 2 ) they are still waiting for my payment to go through. Unfortunately, the automatic withdrawal was put towards another loan instead of what the automatic option I selected had told me. I even called a few times to make sure I was hitting the correct buttons. After about 2 weeks, I finally got through to a supervisor, frustrated with all I 've been through and not seeing anything corrected. The supervisor apologized and said it would take a few days to be put towards the correct loan.The supervisor then help me to set up a payment plan that would last for 2 years and advised that they would happily remove the errors off of my credit after sending a letter. I sure sent a letter within the same month. I received correspondence on XXXX saying that they made no error and they would not remove their errors from my credit report and my credit has been shot down so bad. After setting up a payment plan for what they said would be 2 years, they changed my automatic payments to a regular payment after only 5 months on XXXX/XXXX/XXXX. They said my 2 year payment plan was over, when it obviously was n't and there was nothing I could do. I told them I ca n't afford to pay all other bills including mortgage, along with current federal loans. The last call I had with them, they transferred me to XXXX different departments saying that each department would be able to take care of me. They have made errors too many times and it 's causing me stress and financial hardship. I 've spent too many hours of my time ( 80 % of my calls with them would take from 30minutes up to 1hour long ). They are unorganized and I would be passed from XXXX person to the next, then to the supervisor. I have all of my digital statements to show this. I 'm currently looking for an attorney who handles these types of situations. I have been struggling to get anything fixed with XXXX XXXX/Navient for many years. Please help!
I have disputed the fact that XXXX account # XXXX listed on TRANSUNION ONLY now, is inaccurate and should not be listed on my credit report, and excessive abuse of the FTC 's rules and guidelines for responding to a proper resolution in a timely manner with the proper evidence and facts. XXXX and XXXX BOTH REMOVED this item as it was listed inaccurately and did not have legal grounds to be marked against my credit report per FCRA and FDCPA guidelines. Transunion is in violation to these XXXX consumer laws and has ignored repeated requests over the last year to remove this. I have provided the confirmation number to the disputes showing a years worth of history, and the company simply ignoring my request. It is damaging my ability to get favorable rates on a mortgage. Please see that BOTH XXXX and XXXX have complied yet Transunion is refusing to play by the rules. Please reference FILE # XXXX. Attached is the document from Transunion as you will find this case number is linked to over XXXX disputes whereby Transunion just stated it was verified but never provided any of the following:1. Evidence their authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is their authorization of law for your collection of information? 
3. What is their authorization of law for your collection of this alleged debt? 
4. Evidence it 's authorization to do business or operate in this state. 
5. and Evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 
6. Finally a provided complete account history, including any charges added for collection activity. 

None of these were provided in the last year and only deflected because of laziness.
On XX/XX/18 i called transunion on 2 separate occasion about a issue with my credit report regarding an " airline credit card hard inquiry '' which i explained the phone number does not work and the address is a p.o. box. The first time they gave me a phone number to call the merchant and ask for a letter of deletion. when i called the number they say they do not know anything about it and that they are not related to that company. When I called transunion back to open a dispute so transunion does there job and investigate this fraud they said told me the same thing and said it happens to all XXXX XXXX people and to call the same merchants back and call XXXX XXXX  as well, which has no customer service number at all, to have them fix this. This is beyond ridiculous and beyond just passing the problem along. Transunion did nothing when i called to open a dispute into my credit report when it is their responsibility not mines to investigate anything that i request especially if I told you the company does not exist and the company they refereed to me basically disavowed any knowledge of this company. I
I have business account XXXX XXXX XXXX XXXX # XXXX XXXX with Capital One of which I gave to my clients for deposit or transfer when needed. Around XXXX XXXX XXXX my account was frozen. Upon contacting the bank representative, I was told that it appeared that fraudulent transfers were made into my account totaling XXXX. I was further informed that investigation revealed that these transfers may have been part of a so called 'XXXX XXXX ' In this case, I myself had been defrauded through the use of my company 's services. 
In any event, I have retained counsel and all efforts to pursue the recovery of the funds I have paid to client in relative to this matter. Thus I had respectfully requested verification and documentation from Capital One that the funds in question, transferred into my account from fraudulent activity was seized for those reasons. 
I have repeatedly asked for a proof that these deposits were reversed and the funds returned to the issuing bank or otherwise not released to my account. a letter of this nature will help me to recover my money from my client and also to make me become whole as a result of the fraudulent activity imposed upon my account.
I pulled my credit today ( XXXX/XXXX/16 ) through my XXXX XXXX account and noticed that XXXX credit inquiries had been made against my account through the creditor " CBNA. '' They made XXXX hard credit inquires on my account that occurred XXXX/XXXX/16 & XXXX/XXXX/16. I never once applied for any new lines of credit, nor did I approve any creditors to run my credit for any reason during XXXX 2016. There should be XXXX credit inquiries made against my account during those dates in XXXX 2016 so I have no option but to assume this was a fraudulent act.
A overseas call center for a creditor in approximately 2011 input my name incorrectly as XXXX XXXX. That name now shows as an alias on my credit file. I have disputed this with Equifax who stated that according to the creditor the information is correct even though I stated in writing XXXX XXXX IS NOT my name, was added by an overseas call center employee who could n't understand my American accent, and I HAVE NEVER used that name! Equifax REFUSES to correct the error!!!!
This is a " Predatory Loan '' I 'm finding out. Unfortunately the hard way. I received this loan on XX/XX/XXXX for {$10000.00}. Which at the time they took approximately {$500.00} in fees. For a total of {$10000.00} deposited into my bank account. It is now XX/XX/XXXX I have not missed a payment and have paid on time each month. My current payoff balance is as of XX/XX/XXXX {$10000.00}. Each month my payment is minimum of {$840.00} and maximum of {$850.00}. I have currently paid over {$16000.00} to Cashcall with no apparent end to this loan in sight. Extremely high interest rate 99.75 % I NEED HELP!!!!!
I tool a parent plus loan for my son to attend XXXX XXXX college. Unfortunately the college closed down so I applied for a loan dismissal which was approved. I received a letter stating it was dismissed and I do not need to do anything else. All of a sudden I started receiving statements and I called and XXXX said I haven't paid the account in months. After speaking to various people at XXXX I was told that it was a problem on their end due to a need to update questions # 9 on the dismissal form. So even though it was dismissed, without my knowledge XXXX reopened the loan and without any warning my credit report was ruined it went down by 47 points in one day. I called XXXX and spoke to a rude woman named XXXX who stated that no matter what there is nothing they will do to take off the report from my credit. She admitted it was an error on the XXXX 's behave and said still they can not fix the credit report. This is a nightmare for me and my family I spent years fixing my credit and finally got it to a good place and now we are worse off than ever due to XXXX 's negligence.
A Mr. XXXX from " XXXX XXXX '' tried contacting me multiple times on XX/XX/2018, XX/XX/2018, and I finally picked up the call on XX/XX/2018. He said he was Collecting a debt that was once owed to Wells Fargo Bank. I called Wells Fargo to verify the Debt that was mentioned. They had no knowledge of whom owned the debt or if it had been collected ( This was a debt that I owed 10 years ago when I was in college that I thought I had paid off ). I called back Mr. XXXX and told him that I would be willing to come to an arrangement as long as they provided verification of the debt owed. After using harsh language and warning about a potential lawsuit multiple times, I asked for validation again. He proceeded to say some rather disrespectful things and hung up on me. 

I could not find out any information about this collections agency. I only know the telephone number that they called me from, which was ( XXXX ) XXXX
Navient refuses to enroll me in the IBR plan. I submitted the required documentation in XX/XX/XXXX ... did not receive a response and then found out today that Navient had been sitting on the required payment documentation since XX/XX/2016. 

My spouse first had her payment cut significantly, and now lost her job. I can not pay my loans at the current rate. Navient REFUSES to allow me to enroll in the IBR plan. They continue to ask me to jump through hoop after hoop. For example, they told me I could upload documents to their website. After filing a CFPB claim in XX/XX/XXXX they told me it had to be faxed in. I assume the same will happen again. 

Please help me force Navient to allow me to enroll in this government mandated option.
For several months now I have noticed on my statement from Synchrony Bank that there is no minimum payment. They increase each months payment to suit them. The card in question is Walmart and I have realized that this bank has many of the day to day cards people use. At the moment I use this card for monthly food but did not expect the monthly payment to increase for doing so. Attachments
BayView Loan Servicing purchased and/or received our loan from XXXX XXXX on XX/XX/XXXX. BayView has been attempting to collect payment from us dating back to XX/XX/XXXX, although the loan was not theirs to service at that time and our payments were made ( which we have documented proof of ) to XXXX XXXX up until we were notified by XXXX XXXX on XX/XX/XXXX that the account would then be serviced by BayView. BayView also violated mortgage law by not informing us of the change of loan servicing until XX/XX/XXXX ( also documented ). According to law, they are required to notify us at a minimum of 30 days before the loan servicing changes hands, which they failed to ever do. The fact that they are : a. attempting to solicit funds for a period of time that they did not have legal right to the servicing of our loan and b. failed to maintain the legal 30 day notice of loan servicing change notification, BayView has violated state of Tennessee and federal mortgage loan laws. BayView has now began threats to foreclose on our home that is, documented, as being up to date on all payments and the error being on their side in this matter.
In XXXX of this year I noticed that my statements started coming with a credit, un-applied funds on my monthly statements. I wrote to Ocwen Loan servicing via there web page at that same time asking what this credit is for. I then called directly to Ocwen after no response and was told to take the un-applied credit if its there. I wrote again asking if this was an incentive for modifying our loan, again no response. This month I received a check from Ocwen for {$1.00} over payment on my escrow account. Yesterday I received a letter from Ocwen stating that my escrow account was short. I have been asking Ocwen for 6 months with no response and now my monthly payment is going up.
This is stemming from the dispute/response I received from GRC in which I filed against General Revenue Corporation : General Revenue Corporation is a collection agency not a lawyer or attorney. GRC do not operate off of FCRA laws. Since they are debt collectors the company supposed to abide by the FDPCA laws. GRC did not send me an agreement with the original client that authorizes GRC to collect on this alleged debt nor did I sign any agreement stating that if any information were mine that the original creditor can share my personal information. All collection agencies need to be licensed in the state of Ohio with the attorney general of Ohio. I have did my research and GRC is not registered with Ohio attorney general. I have also sent a cease and desist to GRC. The only person I need to discuss this fraudulent matter with is XXXX XXXX. This is a inconvenience for me. I am in the process of purchasing another home and this fraudulent information is a great concern. I will be forced to sue for damages if GRC do not remove from the credit reporting agencies. Do not send me another response through CFPB stating I need to contact GRC. Remove immediately!
XXXX XXXX at Chase Commercial Services has made repeated threatening and harassing phone calls and text messages to myself and my extended family members in addition XXXX XXXX has contacted other people to include my landlord with false, derogatory, slanderous, statements about me. XXXX XXXX uses false and misleading pretense to obtain personal information such as claiming to be verifying a resume or that person was used as a reference. XXXX XXXX at Chase Commercial Services has released that personal information online, in phone calls, and in text messages to include home address and personal contact information of myself in addition to that of my extended family and friends. I have no or have never had any business dealings with XXXX XXXX or Chase Commercial Services nor am I under any form of contractual obligations with XXXX XXXX or Chase Commercial Services. I have never spoken with or heard of XXXX XXXX or Chase Commercial Services until he contacted me demanding that I send him a check or he would make my life miserable. I have retained all threatening, derogatory, and slanderous voice mails and text messages and I 'm in the process of obtaining written statements from all parties that have been contacted and harassed by XXXX XXXX at Chase Commercial Services with false, derogatory, slanderous, statements. This makes XXXX XXXX and Chase Commercial Services slanderous actions even more egregious and I believe in the case unlawful and criminal.
On XX/XX/2017, I made a request by telephone to have my credit card account closed. On the same day, I sent U.S. Bank a letter to confirm my request. The bank has not responded to my request by closing my credit card, issuing a check for the balance, or transferring the funds to my checking account that I have with U.S. Bank.
I recently obtained a copy of all 3 of my credit reports and noticed numerous unauthorized fraudulent accounts and two that should have been paid off. I disputed these accounts with each bureau and received very quick responses in less than two weeks saying they were either updated or remained.

I do not believe they actually physically investigated them. I have recently resubmitted disputes informing them of my identity theft manually since it was not efficient electronically. 

I have also filed a complaint/report with XXXX XXXX County Sheriff ( Waiting on Report Number ) and the FTC Report Number XXXX. I submitted copies of social and id, police report, and FTC report along with dispute letter and notice of my identity theft. 

I 've also requested fraud alerts on all of my bureaus. 

I have attached the letters I sent each bureau along with proof of my identity ( social and id ), police report, and ftc report.