WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern : Let me begin by saying I have never been made to feel so insulted and embarrassed in a business as I was in the XXXX branch of PNC Bank. Just before closing on Monday, XX/XX/XXXX at XXXX I entered the PNC Bank above to make a withdrawal. 

My withdrawal was for over XXXX dollars. I stated to the teller that I needed at least XXXX dollar bills. I was told they did n't have XXXX dollar bills in the whole bank to give me. She proceeded to give me a combination of XXXX and XXXX with about XXXX dollar bills. I explained I was uncomfortable carrying that much loose cash on my person and was told that because of a run on XX/XX/XXXX that the bank was short on large bills. At that time I asked to speak with the Bank Manager. I was introduced to XXXX and she gave me the same explanation. This all occurred while another teller was counting 'large bill ' cash within eyesight of us. I pointed this out to the Bank Manager, but instead of acknowledging it she became indignant. I had already told the teller to cancel the transaction and went to pickup my withdrawal slip and leave when XXXX reached for the slip, instead grabbing my hand. All the while she was raising her voice like a mad person. The exchange was quickly turning ugly and so at that point I moved to leave while she loudly ordered the teller ( so everyone in the bank could hear ) not to give me the funds, thinking she was punishing me. She not knowing I had already cancelled the transaction. 

Next she shouted that I should n't touch her when, in fact, she grabbed my hand. This was her attempt to further incriminate me ; making me look like the bad hombre. I knew at this point she was trying to stir up trouble and paint me as the villain. All I came into the bank to do was make a simple withdrawal. Instead I was shouted down and treated like an animal. All while being falsely accused. I have been a loyal PNC customer for many years and I do n't have an axe to grind with anyone on the staff at this branch. In fact, many of them know me on a first name basis and we are always cordial towards each other. But it appears XXXX feels she can take it upon herself to randomly attack and indict PNC customers. To say that XXXX response was unprofessional would be an affront to the word 'unprofessional '. At the very least she needs refresher training on how to treat the bank 's customers. 

I am writing to state my treatment was unacceptable and a direct affront to me and every other customer doing business with PNC Bank. We deposit our money in your bank and expect courteous and timely service when come there to conduct business. Instead we are castigated and belittled when asking for the smallest accommodation. Consider this the lodging of my formal complaint. 

Regards, XXXX Note : since this complaint was lodged with PNC - Retail Escalations XXXX has vindictively closed my checking accounts without my authorization
Received declination of credit from a credit card I attempted to open. Rejection letter stated Experian 's phone number as well as " Report Access '' link and include a XXXX digit " reference number ''. When attempting to receive complimentary copy of my report that resulted in this decision, tried both Experian 's phone number and website link. 
After carefully entering my ( correct ) information, Experian 's phone system said they could not retrieve my data and I must submit my request in writing. There was no way to access an actual operator to provide them with the Reference Number ( which presumably should have made finding my report quite easy ). Instead, it simply repeated the mailing address and necessary supporting documents. When going through the experian.com/reportaccess site, I also received the same denial of accessing it through their online system, and was told to submit my request in writing to the same address. 
It 's ironic to note that Experian does not accept mailed credit card statements as proof of address ; given how many people are using electronic statements only in this day and age, it 's not always easy to find XXXX of their accepted forms of mail. 

I will note that I have ALWAYS received this type of complication from Experian, also while trying to claim my free annual credit report as required by law. 

I assert that Experian purposely makes their " Free '' system hard to retrieve reports from, in an attempt to get people to purchase their reports instead. I have no doubt that if I signed up for their credit monitoring service for a hefty fee, they would somehow " magically '' locate my report. They are simply trying to leverage the laws in place for consumer protection to grow their business.
This is in regards to Account number # XXXX I am XXXX XXXX military and have a late payment on my credit report for XX/XX/2018 when I was assured this payment was made. I reached out to wells fargo and as of yet they have not resolved this matter. I am looking to purchase another home in a different state with my wife and I risk losing the house and a substantial deposit because of this error of late payment reporting please remove asap to have account reflect never late.
XXXX XXXX XXXX has asked me to pay a maintenance fee for a time share which has employed deceptive and unethical business practices. I have expressed a desire get out of the obligation alotgether due to the lies I was told when initiating the original contract, Since I do not have the financial means to afford an attorney to pursue the original creditor, XXXX XXXX, to release me from my contract, I have expressed to Equient ( the caller ) a resignation to my need to pay, but no current ability to pay. I have expressed that there is expected to be no clarification or change in my ability to pay prior to XX/XX/2018. They have threatened the possibility of 3rd party collections, and I have acknowleged that possibility. I further expressed an inability to accept calls between XXXX and XXXX when I work with XXXX XXXX XXXX in the community, not in a typical office setting with scheduled breaks. They have continued to call me during these hours each day, sometimes several times per day. On a few occasions I was able to answer the call and again requeste the cease and desist with calling me when I am working. Today, an employee named XXXX XXXX me in a call at XXXX XXXX that she can put a hold on calls for a few days, but that they can not keep their automatic dialer from calling after that. I explained that this is harrassing at this point and disrupting and upsetting at my job. She kept me on the phone for over 10 minutes to verify my identity, state the mini-miranda, put me on hold to speak with a manager, etc. and still could not assure me the calls will stop now.
U have contacted the credit bureau several times on several different attempts and occasions ... I have not received and proper paperwork or updates on the request that I have asked. It show that taxes liens are reporting on my credit file.. There have been a serious error I have no liens. These files have to be for someone with the same name.. This is putting my life at a stand still and a hold.. Which is absolutely not fair to me or my family
I have contacted XXXX XXXX in regards to a Student loan that has defaulted agreed to enter the Rehabilitation Program with a payment of {$58.00} a month due by the XX/XX/XXXX of each month ; however, my wages have been garnished from my place of employment either way. I do not understand why this is happening. I received a letter in the mail dated XX/XX/2018 stating : You must make at least nine ( 9 ) monthly payments during a ten ( 10 ) consecutive month period in the amount of {$58.00} due on the XX/XX/XXXX of each month as agreed to between you and XXXX  under the established repayment agreement. Under the rehabilitation program, the full payment amount agreed to must be received within 20 days of the payment due date. A payment made more than 20 days before or after the due date will be credited to your outstanding balance but may not count toward the rehabilitation program. This may delay completion of the program or require you to start the program over. I did receive a letter in regards to a garnishment to begin XX/XX/2018 if I did not contact or settle into agreement of repaying my student loan ; however, I did contact the company prior to that date and settle to enter into the Rehabilitation program. I did pay my payment of {$58.00} in two payments : a payment of {$46.00} on Saturday XX/XX/2018 and {$20.00} on Thursday XX/XX/2018 well within the 20 days as stated. I log onto my online account see the payment of the {$66.00} but I do not see my wage garnishment of {$200.00} applied at all to my account. I spoke to a XXXX in regards to this issue twice and asked if my account is placed on wage garnishment why does it state online " Your good faith payment of {$58.00} is due by XX/XX/18? She said that is incorrect and should have taken a couple of days to come off my online account since the garnishment was put into place from XX/XX/18 ; I told her a couple of days we are now XX/XX/2018 that is more than a couple of days and she said there is nothing she could do to help and the garnishment will not be cancelled. I told her so my online account information is incorrect which is deceiving and a lie. It should not show that I am on a rehabilitation payment and still get my wages garnished at the same time. How is it that I paid my Rehabilitation payment well withing the 20 days as stated on the letter and had my wages garnished of {$200.00} but yet that garnishment is nowhere to be seen applied to my account. I feel that this company is not for the people or in any way to help the people. I mentioned to XXXX how unfair is that and I have other loans with the XXXX that have been put on a payment plan/IBR and she told me we have no affiliation with XXXX. Please help to stop this ; I am scheduled to give double payment by paying the Good Faith of {$58.00} and have my wages garnished? I spoke with a XXXX twice with no help at all ; I did receive one phone call from a supervisor by the name of XXXX  whom left a message so I did return the phone call and have left 3 messages with no return phone call.
My wife made a reservation at XXXX XXXXXXXX XXXX in XXXX TN for XX/XX/XXXX-XX/XX/XXXX and prepaid with her SunTrust debit card. Upon their arrival they experienced an  ongoing family party with excessive alcohol use. My son was attending XXXX  XXXX for the week and the ongoing noise was significantly disruptive. They were also concerned for their safety and security as there was no lock on their door. After two days they moved out to the XXXX XXXX and requested the balance of the prepayment ( {$810.00} of the {$1200.00} paid. The owner said she " would talk to her husband '' but ultimately refused to refund the difference. There was no contract or disclosure at any time. We asked SuntTrust to obtain our refund but they said the merchant refused to pay. I think we should be given a full refund but will accept the unused portion.
I want to receive in the mail, all information pertaining to my loan from its inception in 2004 through today. Fees charged, interested charged, payments made, etc in chronological order. 
Please include a legend so I can understand your abbreviations.
My loan matured on XXXX/XXXX/15 but Santander Consumer states I still owe XXXX. They will not provide documentation as to the amount after multiple requests. They are predators and now I am filing bankruptcy chapter XXXX.
I OPENED A SYNCHRONY BANK CARE CREDIT ACCOUNT SOME YEARS BACK THEY NEVER SENT ME THE CARD BUT ALLOWED ME TO PAY FOR VET SERVICES THAT DAY I REQUESTED A CARD THE FOLLOWING YEAR AND THEY C CLAIMED THEY SENT IT AND DID NOT SUBSEQUENTLY THEY CLAIMED EACH CARD SENT WA S A NEW ACCOUNT AND ALTHOUGH I HADNT HAD A LATE PAYMENT IN YEARS THEY CLAIMED LATE ON 5 ACCOUNTS WHEN IT WAS ONLY A CARD CHANGE SINCE THEY REPEATEDLY NEVER SENT CARD THEY HAVE DAMAGED MY CREDIT I NEVER HAVE LATE PAYMENTS ON ANYTHING XXXX NY XXXX
On XXXX XXXX, 2016 I requested VOD from an item reporting to my credit report. The collection agency listed does not clearly state who the original creditor is. I requested the VOD and sent a copy of my identification, my social security card and proof of address. Yesterday I received a letter from the collection agency with supposed VOD. Not only am I the wrong consumer, they include personal information including name, social and address of their debtor in the letter they sent me. It clearly proves that I am NOT the debtor in their file. The documents they forwarded to me do NOT have my name, address or social security number. This collection agency has violated right of privacy by sending me VOD that which belongs to someone else. They have violated FDCPA laws by incorrectly reporting this debt to my credit report damaging my file. I clearly proved my name, address, and valid social security number ; however, they ignored this data and sent me a bill in someone else name. I am demanding this incorrect debt to be deleted from my credit file.
XX/XX/XXXX Closed Statement was never received due to a change of address. Notification was file with Postal Service and mail was not forwarded by post office.

XX/XX/XXXX Closed Statement was not received from post office. Late fee of {$26.00} was added.

XX/XX/XXXX Payment was received and another {$10.00} late fee was added.

++++++++++++++ I call you by XX/XX/XXXX mentioning that I was unable to access my account online. You told me that a new password will send my mail. I gave you my new address and requesting you to mail me a copy of my statement so I can pay for it.

I mailed you a copy of my notification to postal service and also a letter on XX/XX/XXXX asking to wave this late fee.

On XX/XX/XXXX I received your letter with a {$25.00} credit. I sent you an online payment of {$63.00} on XX/XX/XXXX.

The way that your accounting is done, is very confusing to the customer.

And today XX/XX/XXXX, I received another statement where it show the credit of late fee, and charging again this {$25.00} late fee with an additional {$10.00}.

For a purchase made for an amount of {$36.00} with all late fees is costing me more than the original purchase. 

I will not buy any XXXX product unless they replaced you and to get my credit back. 

As I said from the beginning, I have nothing to do with this confusion. Change of address was sent ton postal office, no mail came and even after I called requesting my statements.
EOS CCA is has reported a collection account on my credit which has severely impacted my scores and my ability to obtain decent housing. I was informed that my scores dropped and I was no longer eligible for a housing grant. EOS CCA is collecting for a XXXX XXXX bill from XX/XX/XXXX or XX/XX/XXXX but they list the account as opening in XX/XX/XXXX which is incorrect and impacts my scores more than if it was accurately reported. US Court of Appeals, Ninth Circuit, No. XXXX, XXXX vs. XXXX XXXX states that credit should be reported accurately and if it is not the reporting creditor may be subject to damages. This is also a violation of FCRA Section 605 ( c ). 
When I discovered this collection account I asked EOS CCA to remove the account because 1- I do not believe I owe this debt and have previously made XXXX aware of this, 2- I believe this account is past the statute of limitations. XXXX is aware of the disputed account and EOS CCA has never attempted to validate the debt since I learned of it. I have not received anything from them since. They have refused to validate the debt. They never attempted to validate the debt before reporting it as I have lived at the same address for many years. This is a violation of FDCPA FDCPA Section 809 ( b ) and the FTC opinion letter from XXXX.
Today XX/XX/18 Bank Of America Just Decided To Close My Account After I Tried Reporting My Card Lost Or Stolen. Instead Of Asking Just Locking My Bank Card And Offering To Set Me Up A New One They Closed My Whole Account Without My Acknowledgement, Then When I Called They Said They Arent Requried To Tell Customers Why They Close An account
On XX/XX/XXXX I received a letter in the mail dated XX/XX/XXXX from CBE group stating that I owe {$130.00} for an account that was original under the XXXX XXXX XXXX. I do not owe this debt, my financial obligation has been satisfied with the University. I am not responsible for this debt nor do I owe it. I received an email from the XXXX XXXX XXXX on XX/XX/XXXX thanking me for meeting my financial obligation with the University and also stating that I can  order transcripts and my degree is on its way.
I traded in my toyota Rav4 on XXXX/XXXX/2016 on XXXX/XXXX/2016 tmcc finance company received the check for the payoff from the dealer where I traded my suv. they have the check and continue to collect on a debt I do n't owe. they made a mistake on their end and continue to penalize me, add fees and have marked my credit report as 30 days past due.
In a nutshell I have had this loan for 25 years first through XXXX XXXX and now Navient ... the original Loan amount was around 17k. Throughout the years I have struggled with employment and had to use forebearance tools to help cope for the first 20 years with XXXX XXXX my principle was actually going down. Over the last few years with Navient my principal has risen XXXX just in interest and fees due to a reduced payment program they put me on. Problem is they failed to tell me that this reduced payment does n't even cover interest amount so my debt has ballooned. I do n't understand how this is legal. How can I ever pay off these loans?
several problems listed above, not just failing to abide by 30 day timeframe. Not just bureaus, but creditors as well.. XXXX for ex, 60 days out from my last dispute, claims ftc fcdpa laws dont exist. furthermore XXXX XXXX initiated contact on my behalf nine months ago on that account. account remains " confirmed '' ... I have several accounts where merchants are claiming debt where none is owed, or someone else owes the debt and the creditor refuses to close the account or corrrect the info and keeps putting the account in collections or reselling it ( XXXX ). I have others in violations of cardholder agreements. All burueaus are playing XXXX XXXX " confirmed '' with lexis nexis and buying the data back from them later on. disputed debts can not be collected. debts filed under chXXXX can not be collected when attorney is on retainer. yet nobody seems to care, makes claim they werent contacted by upright law ( con artist or not, they are bankruptcy atty ). such actions are not required, the mere hiring of a lawyer on retainer is sufficient. Bureaus are inconsistent with updating each other when debts are deleted. XXXX XXXX refused to assist with this. bureaus contacted multiple times about this and all im getting are " verified '' XXXX letters.I have factually no data sent to me as to what and how, as required by law debts were verified. No email, no phone calls, no letters. I am repeatedly have my information updated where I have never lived, and then blood type required multiple times to get access to my credit file just to file a dispute when I havent moved. This has been going on for several months repeatedly when I dispute data. I have never lived in PA. My files show that I have and that I have a mortgage. This is incorrect.
I had my identity stolen. I had fraud alerts put on my credit with the XXXX credit bureaus. Blue Chip financial was going to approve a fraudulent loan, ignoring the fraud alerts. I found out through XXXX about the new loan and contacted Blue Chip to have it closed and have it erased from my credit report which is not happened.
I called Convergent Outsourcing INC ( XXXX Wa XXXX ) about XXXX different potential negatives showing up on my XXXX report. The dates were XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. When I called I was transferred to 4 different people asking for help because nobody could pull up the information for me. The last one was ridiculously rude. All she would tell me was to call XXXX. I asked for a XXXX phone number and some sort of reference number. She said " I ca n't do anything for you CALL XXXX! '' then hung up. I had called XXXX last year when we refinanced our house and this was suppose to be taken care of and was not. XXXX apologized at the time for somebody else in their system that was clearly not me using my SS #. Now I have credit agencies that are allowed to ding my credit with NO PROOF I did anything wrong and NO PROOF they even tried to contact me to resolve it. How is this our credit rating system?? Companies can just go around reporting negatives against me with no proof, and it costs me hours of time to fix and they have no accountability to give me info to resolve it? Seriously??? Somebody needs to follow up on this Convergent Outsourcing Inc . They are terrible. The other company I found reporting potential negatives on my report was XXXX ( XXXX, FLXXXX XXXX ). They put information on my credit report XXXX/XXXX/XXXX. I called them and they would give me absolutely no information. Asked me for my SS # and name and phone number and said they would remove the info. So again somebody is free to just post information on my SS #? Nobody contacted me what so ever about this unpaid bill that is now lingering on my report. This is beyond ridiculous. I have a credit score in the XXXX and pay all my bills on time. There is no recourse for me to get back all the time I have wasted defending my credit, but these companies are free to post whatever with no proof of me doing anything wrong. We need this fixed ASAP!
XX/XX/XXXXIn XX/XX/XXXX, After the economy sent our business in a downward spiral, although I really did n't want to, we had to attempt a loan modification. Our loan was sold to XXXX then to NationStar. XXXX DID put us on a trial basis for a loan modification, asking for XXXX payments before approval. When it was time to send the XXXX payment, they sold the loan without notice and the payment was returned therefore, NationStar said they did n't get that money in time to qualify for a loan modification. Also, Nation Star said there was no escrow which was indicated on XXXX 's loan paperwork. They said they had no idea about this matter and that money was in XXXX 's hands. Every time I attempted to call NationStar ( it always took XXXX calls to finally get someone ) for information and payment arrangements, I was given a different representative. Many times the person I spoke with was degrading and rude when I would ask for a look back at the last phone conversation. The response was " we do n't keep records of the last phone call ''. This happened many, many times. No one would help us get a modification. We did fill out at least XXXX loan packets and each time something was missing - not in reality, but I can promise you we had everything in ALL the packets. 
It was as if there was a scam going on. Because I could not afford the time or money, I reached out to my Congressman and the Attorney General 's office for assistance. I did not get any answers but they did take my information and said they had many complaints from these companies. It was a joke to them but in XX/XX/XXXX, the home we built on XXXX acres of near our family and lived in for 15 years, was foreclosed by Nation Star - losing our home was devastation and heartbreak. The only thing that stands between us and starting over, are the names of these crooks on our credit report! 
My only request is not money or a lawsuit, but to have XXXX AND NATIONSTAR do what is right and take the foreclosure OFF all three credit reporting agencies. They TOTALLY messed around with us. In my heart I no one ever planned to help us get a loan modification.