WillisBack/dataset-financial-user-claim huggingface dataset:
USAAs XXXX service does not have adequate fraud protection. I attempted to purchase an item on XX/XX/XXXX for {$150.00} utilizing USAAs XXXX service. Once it was realized that the item was not delivered, I called USAA within the hour to cancel the transaction and was told that it couldnt be cancelled. I then filed a dispute on the transaction which was subsequently denied. 

Since the XXXX service is offered through USAA, there is a level of trust that USAA and all of its services have adequate processes and protections for its customers. This particular USAA service requires you to provide information on the other person to verify authentic accounts, adding another layer of trust that personnel receiving the money through their establishment is authentic, and USAA has the proper protections in place when users are added. 

USAA offers a service that fails to protect its customers. USAA has a subpar approach to this service ; grossly undermining the customer protections while falling quite short of communicating the risks appropriately.

My request has 3 parts, 1 ) Remove this service, 2 ) if not removed, offer the protections that are required and expected of USAAs typical platinum service, 3 ) refund the {$150.00} due to the lack of protections that should be incorporated when services include the USAA brand name. This USAA service, and accompanying processes, fails to achieve the basic standards of customer service that is typically inherent with USAA values. If the response to this complaint falls along the lines of, weve done all we can do and is authorized by contracts and law, USAA will have completely lost my trust in its intent to maintain the pristine service culture that Ive grown to love in my last 15 years as a customer.
I just found out XXXX XXXX reduced the credit limit of my XXXX card. Prior to this, I received no notification that this action had been taken, or an explanation as to why
I requested that Experian remove or reflect 'dispute resolved ' within my credit report with this bureau for a debt under XXXX XXXX XXXX XXXX XXXX. They never resolved my issue. I never disputed this debt and if I request that they remove a dispute inquiry or reflect resolved they should do their job in making sure that they fulfill my request within the 30-45 day investigation period.
I had made online purchases via my bank account. When XX/XX/2015 came I check my account to see what cleared and what did not, everything was shown as payed nothing was shown as pending and there was {$1.00} left in the account. On XX/XX/2015 the account once again was looked at there was now {$70.00} in the account with all the same transactions showing as paid its was there was another purchase made that left the account at {$34.00} but on XX/XX/2015 still showing all as paid. Then on XX/XX/2015 my account had to {$34.00} over draft fees and said a previous XXXX purchase of {$68.00} was not paid even though on XX/XX/XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX it never said this was still pending it showed as paid I even counted the money up myself and it showed everything as paid. When I call chase on XXXX XXXX they tried to say the merchant never took the money out the account until the XX/XX/2015 but this was not reflected in my account that day or any day befor that. They refused to reverse and take responsibility for the failure to show items as pending. I as to speak with a supervisor or someone over the supervisor I was speaking to and told that some one would call in XXXX hr. As of XX/XX/2015 no one had called and I called chase at XXXX where the female representative did not give her name but sad chase does not have to inform me of transactions that are pending still refusing to correct there mistake
On XX/XX/XXXX I contacted Ally bank regarding an unauthorized transaction on my debit card in the amount of {$190.00} which has posted on my checking account on XX/XX/XXXX. I advised Ally to close my debit card as this charge was not authorized by me. Ally issued provisional credit on XX/XX/XXXX for the dispute case XXXX for {$190.00}. It was several months before I heard anything and thought this case was closed. On XX/XX/XXXX Ally reversed the provisional credit and sent me a letter indicating the reversal date but no explanation as to why I am liable for unauthorized charge on my account. I tried to get in contact with customer service asking to reopen this claim. My last attempt was just today on XX/XX/XXXX but the supervisor indicated after an extensive hold time that she was not able to locate the dispute. This frankly make me very concerned as I have a large sums of money with Ally bank and the way they treat their customers. I don't feel my money is safe if they are siding with unauthorized transactions on their customer 's accounts without even providing reason for their decision. I am very skeptical about their debit card use and even having one open at this time.
XXXX fraudulent Sears credit card accounts were opened using my name and address on XX/XX/2016. This complaint is for the XXXX of those accounts. Since I had never opened these accounts, I thought these were prepaid promotional offers so did not open the mail until yesterday. I received three pieces of mail into total - one piece of mail containing a new credit card for the XXXX account, and two for the XXXX account - an earlier piece of mail contains a bill, and a more recent bill contains the bill with a late fee.
I put my house up for sale. I received an offer and I excepted that offer. The buyer had numerous issues with their lender ( required paperwork and inspections that they were not aware of ) This caused numerous delays and postponement of the final closing. I notified my lender ( NATIONSTAR ) of these delays, I assured them that the property was in contract and would be sold. The Nationstar Reps. repeatedly assured me that there was no problem and that everything was OK. It was always very difficult to talk to a live person at Nationstar and when I was able to talk to someone it was always a person with a very heavy accent that did not seem to understand English very well. So to protect myself I wrote a letter to to Nationstar explaining the situation on two different occasions. 
We were finally ready to close on the property and requested the Payoff from Nationstar. 
Nationstar sent us a statement with the payoff amount. We closed and the house was officially SOLD. 
Six days later Nationstar sent another payoff statement. This statement is {$2400.00} more. 
Nationstar said the additional charge is for " Legal Fees '' because they had started the foreclosure process!
I am a resident of XXXX XXXX. Our island was hit by Hurricane Maria in XX/XX/XXXX. That was the month the residual on my lease was due of which I was unaware. The bank never sent a letter or called me to inform me of this. First Bank which is the lender, sent out an email informing customers that due to the impact of the hurricane they would not charge the monthly payments to customers. Since my lease was auto pay, it stopped during XX/XX/XXXX and XX/XX/XXXX, but it was not due to their hurrican relief effort, it was because the {$12000.00} residual was due and they never informed me. I only became aware when I received collections calls. I left the island to be with family in XX/XX/XXXX so I was unable to do anything. Once I returned the last week of XX/XX/XXXX, I traded the car in for another one.  But they had already reported my lease 60 days past due, adversely impacting my credit score. In  addition, they made daily collections calls during that time, even when I explained my problem over and over, resulting in emotional distress.
I was not informed at the time that I could request a free cellular phone from XXXX or any governmental agency because I was unemployed and in Medicaid/SNAP Benefits. 


Therefore, I was set-up in a fraud to go to XXXX to request what I was told it was a free phone line and now I had been billed.
There is account reporting inaccurate information on all three of my XXXX, XXXX and XXXX   credit reports. I have tried repeatedly to reach AMEX/American express to fix the incorrect information on my credit reports. Its stopping me from getting a home mortgage
In XX/XX/2018 I received a call from IC SYTEMS INC when I was told by one of there agents that I owed a collections account in the sum of {$690.00}. The agent went into the details of the account to state that this account belonged to me. I stated that I do not remember anything about this account & it is not mine. I have since received a VERIFICATION from IC SYSTEMS INC that they used to say this account is mine. The only problem is that the SIGNATURE on the VERIFICATION info used IS NOT MINE!!! This IS NOT MY ACCOUNT & the SIGNATURE on there verification IS NOT MINE. This has to be some type of fraud or identity theft. Please at once remove this collections account completely from my credit report. I will be submitting proof of my signature along with the verification used by ics systems. You can clearly see that the signature ics submitted is not mine
National Bank of Arizona and their servicer XXXX have denied all my requests for a loan modification. The facts indicate they are not evaluating my request for all possible foreclosure prevention programs, esp. HAMP for which I qualify. Instead, because I have substantial equity, they are only evaluating my requests for reinstatement, which is the only foreclosure prevention measure for which I do not qualify.
I had a XXXX in XXXX XXXX, Ca when I was insured by OHP and the city of XXXX XXXX and XXXX XXXX XXXX XXXX from XXXX XXXX are refusing to bill OHP for reasons I do not understand, they both have turned this issue over to CMRE Financial Services Inc. @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX I have been in contact with XXXX XXXX with XXXX @ XXXX She had called XXXX parties in question and they actually gave her bad fax numbers and e-mail addresses to send whatever they needed to bill but to no avail then they sent the collection notices.
Several years ago I was hit with a collection for a similar amount on a XXXX credit card that has been closed since XXXX, and was advised by my bank to ignore their contact attempts because it was a scam. That went away and my credit score went back up. 

Starting a few weeks ago I 've been receiving tons of phone calls with no messages left from random numbers. 

Here is all the information I have on them. They do not answer the phone so I can not find out anything more. 

DEVILLE ASSET MANAGEMENT # XXXX , TX XXXX ( XXXX ) XXXX Placed for collection : XXXX/XXXX/XXXX Responsibility : XXXX Account Type : XXXX Account Loan Type : XXXX Balance : {$3000.00} Date Updated : XXXX/XXXX/XXXX Original Amount : {$3000.00} Original Creditor : XXXX XXXX {$3000.00} XXXX ; Pay Status : XXXX ; Estimated month and year that this item will be removed : XXXX
I have a address I want removed from my check systems report. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX
I have sent  XXXX ,   XXXX   and Equifax each a letter stating my current most updated personal information and that all other information is not accurate. In return either non of the information is updated or partial of the information is updated and other random information such as my social security number was deleted.      XXXX / XXXX /   17 Mailed Address, Name, Work, Phone Number Information update. As of Mid   XXXX , only partial information was updated but old information was still being reported.   XXXX  Delete all other irrelevant information per my letter and only report the current updated information.
I have had several bank accounts with XXXX XXXX XXXX and Suntrust Bank, I am on XXXX so things are tight for me and I get overdrafts sometimes. I get my check once a month, they would sometimes not pay something or let go through just to apply XXXX or XXXX overdraft charges, you get a overdraft charge of XXXX, a nsf fee of XXXX and an extended overdraft charge fee once a week for as long as overdrafted. The accounts become overdrafted and you ca n't pay back so they close the account, and show overdrafted your checking and your savings, they have yet to explain to me how you overdraft a savings account. The savings account is to help keep from overdrafts if you have money in it. Once the account is closed the negativity is showing in both savings and checking and when go to pay it they make you pay the savings and checking so you pay twice for the overdraft fees and whatever is paid through the checking account. The savings account should not go into negative as there is nothing taken out of it. I do n't think it is right to have to pay XXXX accounts when only the checking account has over drafts and payments coming out of it.
Was unaware they were charging to a credit card, because I didnt know I had one. Never signed up for one, was underage regardless. Whoever is calling claimed I signed up for a credit line when I was XXXX years old. Ive always had a PayPal account but never had a PayPal credit line. I have a credit card and debit card on my account which is what I always used to pay. They have called my step father and convinced him to give them his card to make payments on a credit line that is apparently mine? I always told him it must have just been scammers. But it is apparently much bigger than that. Theyve told him amounts I owe which I am unaware of. Also actually convinced him to make payments.
I opened a Citigold checking account on XXXX/XXXX/15 with an offer stating I would receive XXXX XXXX XXXX AAdvantage miles after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX AAdvantage miles to be deposited into my account by XX/XX/XXXX. During this time I was charged XXXX monthly service fee of {$30.00}. Now, after opening the account with the promotion, confirming that I had met the requirements, and confirming that the points would be deposited XX/XX/XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify for the offer. Now I have {$30.00} of fees and I will not be receiving the airline miles. I 'm not alone. XXXX of people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.
I have errors and inaccurate information on my TransUnion Consumer Credit Report. I have disputed these accounts as being inaccurate, and TransUnion had responded by stating they were able to verify these accounts. I requested information about these accounts specifically I requested physical proof to verify account information. Never received requested information.
I have a Health Savings Account ( HSA ) with a local bank. Sometime early in the year the bank was sold to another regional bank. I had always paid for my prescription drugs with a check from the Health Savings Account. Since the change to the new bank XXXX of the local drug stores - XXXX and XXXX will now not accept my check from my HSA. At issue is Tele-Check Services which both of them use to validate checks. I talked with the agent from Tele-Check who said that they did not accept checks from HSA accounts. I have used an HSA account for over 5 years before writing checks for prescriptions, doctor visits, etc. Once my bank was bought they returned a few checks and I paid both since they were written on the previous bank check. The bank said that is no issue because they still honored the old check and the account or bank routing had not changed. I am mystified why these drug stores would use a check validation system that is so clueless about HSA accounts. TeleCheck even tried to say it was a XXXX drug company problem. I knew that was not true because they denied it at XXXX also. I am responsible for funding my own HSA so I ended up having to put the cost of medicine ( not cheap ) on my personal credit card which defeats the purpose of having a tax free HSA.
J P Morgan Chase foreclosed on my mortgage and made XXXX when it was sold and they did not give me XXXX penny. 
The address is XXXX XXXX XXXX. XXXX, CT. XXXX They ran there own bank. I sent them XXXX XXXX 3 months payment and they returned it in a refund and foreclosed. The payment was sent 46 days late so I sent them the back payment the second payment on the XX/XX/XXXX and the next months payment a month ahead.
At approximately XXXX, I received XXXX email from USAA Bank informing me that had changed the password and pin number for my checking account. Per USAA employee XXXX this was done because someone called in claiming to be me and told them he was on a trip to XXXX via XXXX and needed to obtain some extra cash, however, when he tried to use his debit/credit card at an ATM there were problems. The times on the XXXX emails I received from USAA were XXXX and XXXX, XX/XX/2016. After the bank made the requested changes this individual made XXXX withdrawals of over {$700.00} between XXXX and XXXX. 

The process when you call USAA ( process they put me through ) they ask for my account number or my social security number. Then they ask for the last XXXX digits of my social security number along with my password ( my wife does n't even know my password ). Sometimes they ask for my pin number. Then when I get to an agent in the department I want we go through this process again. How did this individual have all of my personal information? 

XXXX, the USAA person I initially dealt with at XXXX told me the individual had taken out {$450.00} x XXXX. By the time she passed me off to XXXX, she had raised the amount of the withdrawals to {$710.00} x XXXX. It was only when I check my online account register that I learned the actual amount taken from my account was {$720.00} x XXXX. The online account register does not show the location of the ATM used to withdraw the money. After USAA returned my money to my account. I followed the advise of my attorney and set up a new account here in XXXX XXXX, Arkansas and began via ATM withdrawals transferring my money to my new account. AT NO TIME did USAA allow me to make more than one {$600.00} ATM withdrawal a day. 

From the documents I have there are significant questions as how this could happen with such a supposed high quality organization as USAA Bank. This gives me the impression this was an inside job.
Working on HSBC re-fin. Ask us to buy additional XXXX insurance to cover further improvements and betterments that DO NOT even exist. 
First, according to XXXX rule, XXXX does not require XXXX insurance when master EOI is covered all. Our master EOI confirmed the developer had the CC & Rs written as such so that the XXXX requirement would be waived by lenders when first selling the units. Master EOI confirmed upgrades, betterments and improvements provided by the developer to the original unit owner are covered by the XXXX per CC & Rs. As I noted below, developer had CC & Rs drafted as such to waive the XXXX requirement of lenders for the first unit owners. Any further upgrades, betterments & improvements that may be done - ie. later by unit owner - are NOT covered. HSBC underwriter asked us to provide the CC & R statement and we did and now HSBC underwriter ignored this CC & R policy. 
There is no further improvement and betterments in our property. Hence, there is no reason to buy XXXX policy to insure improvements and betterments that DO NOT even exist. I spoke to the loan processor and HSBC loan processor argues their policy to cover " FUTURE improvements and betterments. '' I believe the XXXX policy is covered the current items not future items or any non-existing items. 
Note : HSBC has settlement in Massachusetts with Homeowners - Once a homeowner shows proof he has other insurance coverage on his house, the force-placed insurance should be removed.
Recently I received my homeowners policy bill for XX/XX/XXXX. I noticed that my policy amount had increased over 10 %. I made inquiry regarding the increase, and was told that it was because of my credit score/ and credit comments. My credit score ranged from XXXX - XXXX, XX/XX/XXXX. I have excellent credit scores. I was told that because inquires were made on my account, this was the reason why, my insurance policy rate was increased. I asked the person I was talking to this question! Each time companies checks my credit score or history, my credit score, is negatively being impacted. The person 's response was, " Yes ''. Why would a person 's credit be negatively impacted, simply because they are trying to find better rates of insurance on their homes, and/or autos? This does not make any sense. I could understand if a person, received credit, or incurred some type of increased debt, their score would be negatively impacted. However, simply inquiring or seeking to get better insurance rates, on their homes, vehicles, or seeking credit, should not negatively impacted, their credit scores. The system is indeed rigged. A person 's credit is dinged each time an inquiry is made, and they are dinged again, if they obtain credit, or increased debt. " What is wrong with this situation? '' Please can someone tell me why this is the case? Impacting a person 's credit, after they get the credit might be appropriate, but doing it simply for making an inquiry, is double jeopardy. I am requesting that the Consumer Financial Protection Bureau, investigate this matter. American Citizens, are having to pay higher rates for credit, insurance, and other financial transactions or instrumentalities, simply because inquiries are made into their credit history. Credit Card companies, and other institutions are receiving XXXX dollars, because of this practice. It should be illegal, for these institutions to decrease a person 's credit scores, solely because inquiries are made into their credit history. If a person 's credit scores must be adjusted or negatively impacted, it should be done, if and only if, credit is issued ... XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX ... Email : XXXXXXXXXXXX Tele : XXXX ...
In XX/XX/2018 I disputed an inaccurate item on all three of my credit report, XXXX, XXXX, XXXX. The item I disputed was XXXX XXXX Account # XXXX. All three of the credit Bureaus reported back by saying it was verified. In XX/XX/2018,,, XX/XX/2018 to be exact I wrote a certified letter to XXXX XXXX to the address listed on my credit report as XXXX XXXX XXXX, XXXX, SC XXXX requesting validation made pursuant to the Fair Debt Collections Practices and the Fair Credit Reporting Act. I requested the original contract of the original account contract and for it to be sent to me,, I am allowed to see the original contract by law. I was requesting that competent evidence bearing my signature, showing that I have contracted obligation to pay the debt. Well today is XX/XX/2018 and XXXX have yet to provide me with copies of the original contract signed by me XXXX XXXX. they have violated my rights. they have failed to respond to me by sending my proof that I own this account. they received and signed for my certified letter on XX/XX/2018 and todays date is now XX/XX/2018 and XXXX XXXX has yet to send me my documentations by mail. THIS ITEM IS NOT REPORTING ACCURATE ON MY CREDIT REPORT AND XXXX IS NOT FOLLOWING THE LAW, VIOLATED MY RIGHTS BY NOT RESPONDING AND SENDING MY PROOF AND SIGNED CONTRACT,, I HAVE ENCLOSED COPIES OF THE CERTIFIED MAIL RECEIPT AND A COPY OF MY LETTER I SENT TO THEM, COPIES OF THE DELIVERY TRACKING CONFORMATION, XXXX XXXX is being non compliance they have violated federal, law and is liable for the non compliance