WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a member of USAA since XX/XX/2003. Last year, I filed for bankruptcy, of which USAA credit card was one of them. Soon after it was discharged, I tried to log on to my account, and received this message : " According to our records you filed bankruptcy and we can not collect certain debts. To obtain access to your existing accounts you may log on by clicking proceed below. '' I was then taken to their mobile site, which limits what I can do, such as receiving documents. This has impacted actions that have needed to get done, such as paying my mortgage bill. 

I also found out that for some reason, I was never able to reaffirm my mortgage, even though I gave them permission to speak with my attorney and gave his information. I wanted to reaffirm my mortgage to show my good faith. 

Since then, I have received sub-par customer service. For instance, my mother passed away, and I had her on one of my accounts. They sent me paperwork to have her removed. I sent it in, but apparently, I was missing a document. No one bothered to let me know until I tried to add my husband to the account. 

Another interesting thing I have since noticed is the order in which they apply transactions. It seems they pay the larger ones first, and then the smaller ones. I thought they were supposed to pay as they came in, but they are not doing that. 

My experience with USAA lately has been frustrating and humiliating. I have other accounts with other banks, and I have full access to their websites. I truly believe because of the bankruptcy, I am receiving the bare minimum of customer service. USAA says they are there for service member and their families, but they 're not.
This company is reporting inaccurate information on all XXXX bureaus report. I have sent them a letter disputing it. The letter was sent by certified mail. They signed for it and even after the 30 days allowed for them to mark as disputed they failed to do so. They updated after 60 days as transferred or sold. However, they never marked as disputed nor did they validate it. They have violated the Fair Debt Collection Practices Act. I am trying to prevent legal action against them.
I had a complaint recently with Wells Fargo. However, they cancelled the complaint in their executive office from their end after they responded to you, & without following through with their commitment & their resolution in their response to you, they are now harassing by phone & any way they can with reps & auto dialers. They are interfering with my ability to make progress and harassing me at work. I had no contact or communication with a rep named XXXX XXXX, who sent me a letter closing the file on XXXX XXXX. Although the # XXXX account issues seem to be resolved and payments have recently been applied accurately, I still have the same unresolved issues with acct. # XXXX:1 XXXX there is a payment that has not been applied to acct. # XXXX from 3rd quarter 2014 ( 3 payments were made in one month & I have provided bank statements XXXX. 2 XXXX The terms of the modification offered & provided were not the best available, and were not in accordance with published Hamp guidelines. Please assist in obtaining a fair and equitable resolution. Thank you.
Caller left no message so I called the number back and got told I owed a debt to Washington Mutual credit card. After I told caller to stop calling me and to only communicate through writing, continued to call me 12 times. I have no knowledge of this debt, does not show on my credit report.
I have repeatedly contacted this company to get them to verify that this account was mine. The information they sent me does not have my name, address or other information on it. They have violated FDCPA rules in debt validation.
After my car was deemed total loss by the insurance company, My original auto loan was sold of to another company called XXXX XXXX XXXX. The new financial company informed me that my title to the vehicle would be released to me once all payment was submitted by the insurance company and the GAP department. I have never received any detailed break down of payment and principal balance after the last check was issued from afa claims ; in the amount of XXXX, during the month of XXXX.I demand an up to date document that was reflecting my balance tome emailed or mailed to my address. XXXX XXXX XXXX the most recent statement I have from XXXX XXXX XXXX, reflects the principle balance of XXXX, no interest fees, no late charges, no other fees owed, no stipulation of fees being added.In addition to that, the minimum payment reflected a due date of XX/XX/XXXX. This small dollar amount left on my account is for payment in exchange for right to obtain the salvage title to the vehicle. As of XX/XX/XXXX, I called to inquire about the full pay off amount for the title. I was told that my entire balance changed although no representative could assist me. I spoke with several people include XXXX XXXX. He was unable to provide me the reasoning or the detailed break down as to how or why my account balance changed. When asked for someone to email me an up to date bill. I was told NO. At that point, My phone call was being re directed to an individual named XXXX XXXX answering machine service, because I was told my account file was being put on the market, " remarkting. " I informed XXXX XX/XX/XXXXthat did not wish to have my account sold off, I only wish to pay my true principle balance so that I may obtain my title. Its been 24 hours and I still have no update emailed of a statement that reflects their claims of m, y account balance changing. This company is operating is a fabricating their information. This company is presenting fraudulent information to me. Please help me.
The Chase Bank credit card associated with Amazon.com consistently charges late fees for electronic payments, days after those payments have been processed by my bank. It is the only credit card I have that does not credit electronic payments on the day they are subtracted from my bank account. Example : {$220.00} deducted from my bank account for an electronic transfer to Chase on XX/XX/2016 was not credited until XX/XX/2016. Also on XX/XX/2016 they charged me a late fee. This happens each and every time a weekend falls between the transfer date and the due date. It is part of their business model, I am sure. I have cancelled this card but want to report them anyway.
I had a home equity loan with Bank of America. It was paid off almost two months ago. I received nothing and all information was removed from online so on XXXX XXXX I called and I told them I wanted an accounting of the payoff since there was noting online. They told me I was to receive a {$260.00} but did not send an accounting which at this point I demanded. I reiterated several times my request for an accounting bringing all information current from my last statement. Subsequently I received a check in the mail for {$110.00} with absolutely nothing else - NO explanation as to how that amount had been arrived at. I called on XXXX XXXX an again demanded an accounting of all activity in the account from the date of my last statement up to when the issued the check. Instead of an accounting today ( XXXX XXXX ) I received a letter saying that the lien on my property was released and I could contact the country recorder to verify it. STILL no accounting. I called Bank of America once more and demanded to speak to the legal department. I got the total run-around. The person who was screening my calls said she had to have my credit card number so she could identify me. I had given her the loan number probably 10 times and explained numerous times that this matter had nothing whatsoever with a credit card. I came to realize that Bank of America is withholding financial information from customers to which they are entitled and no matter what you do you simply can not get that information. I figured if this is their policy they must be making XXXX dollars on the innocent public. I intend to find a lawf irm that is interested in filing a class action suit against them. Manwhile I felt they should be registered here. All I wanted was an accounting from my last statement through to when they issued the refund check and how the amount of the check was determined. I have a right to know that information but they refused to give it to me.
I have a XXXX collection accounts that still show up on my credit as unpaid/open when they should be paid/closed as of a few months earlier this year. The collections agency is called Alliance One, based in XXXX, WA.
Bank of America is reporting two credit accounts on my credit file that are included in bankruptcy. They are reporting a balance history that is inaccurate, a payment record that is inaccurate and as I am not legally liable for these accounts, i respectfully request that Bank of America REMOVE the two credit accounts that are reporting on my credit file. 

The following is an excerpt from an FTC notice regarding the reporting of these types of accounts. Bank of America subsequently removed all reporting for included in bankruptcy accounts and was sued in a class action lawsuit for this exact purpose. 

" Section 607 ( b ) of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' In our view, it is not a reasonable procedure to label an account that has been discharged in bankruptcy as " charged off as bad debt '' if the account was open and not charged off when the consumer filed bankruptcy. Such a designation would be inaccurate or misleading, because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. '' Because Bank of America had not actually written off the account ( I had not been sent a XXXX and they were still actively pursuing the recovery ), i request the removal of these tradelines.
Submitted a complaint several weeks ago and the complaint was closed WITHOUT Wells Fargo addressing the reasons for which the complaint was filed. 
( 1 ) My home was scheduled for foreclosure on XXXX/XXXX/XXXX. Which was six months after my wife passed away on XXXX/XXXX/XXXX. WHY? 
( 2 ) I was denied an opportunity for a modification on a home that I was paying XXXX a month for the mortgage and I currently rent for XXXX after I was force to move. WHY WAS THE MODIFICATION LOAN DENIED? 
Wells Fargo refused the payments that I tried to make in the interim, they referred me to their council. 
( 3 ) Wells Fargo refused a short sale saying I was already too far behind in payments and that is because they refused payments!
( 4 ) My home of 20yrs was sold by Wells Fargo without My being informed in anyway and is currently on the Market as a rental Property valued at XXXX and a monthly XXXX which is 2x my mortgage. It was For this Profit, they took away my home.
Lawsuit filed against me onXX/XX/2016. 
CAN NOT get attorney to respond to my WRITTEN REQUEST for documentation of debt. 
Lawsuit filed. 
I responded pro de ... .yet NO response.
COMPANY DEMAND PAYMENT ON ACCOUNT OUTDATED SINCE 2007, NOT MY ACCOUNT, PAST THE STATE LIMITATION TO COLLECT PER OCGA 9-3-23 AND 9-3-25
I obtained a student loan from XXXX XXXX in XX/XX/XXXX. This account was later sold told Navient and was closed/ charged off XX/XX/XXXX. Navient later sold my debt to a collection agency who later transferred the debt to XXXX XXXX XXXX XXXX XXXX. This collection agency has repeatedly called me during all hours of the day during work hours and evening hours. They have also harassed family members whom were down as References these family member have informed me they are being contacted several times a day. It took me calling Navient to find out if their were any income based repayment options for me to find out that my information and debt has been transferred to 2 other collection agencies.
My home lone is With Umpqua bank Loan # XXXX, and they ordered Home insurance even though I verified my coverage of insurace with XXXX with Umpqua at least two times ( faxing them my insurance cover sheets. ) Yet they still ordered insurance on XXXX/XXXX/2016 in the amount of {$3300.00} and raised my payment amoung to pay the insurace, so I was paying XXXX insurance companies then I even called and spoke with an supervior with Umpqua on XXXX/XXXX/2016 and we did a XXXXway call, with My XXXX insurance representative, to verify insurance. and the representative from Umpqua said oh good fax/scann the insuracanve verification to us. which XXXX did while on line with my bank ... Yet still they added banks insurance to my loan account. 
This has cost me a financial burden. So Im refinancing my loan, and they are stating I own them the {$3300.00} more on thier payoff for the XXXX insurance. Which means I have to bring the added amount to escrow to close my re-fi loan. I have made numerous calls to have them make a correction, but yet they have not done so. 
This is not right and has hurt me, causing my loan payment to be XXXX/month more. 

Sincerely XXXX XXXX XXXX
This is my second attempt to solve problems with what my mortgage co is doing they are not answering my questions they are not telling the truth I have paid extra in my escrow and they have not applied the money there .They have sent me account information sheet that clearly shows payments not applied to my account .They have sent me transaction history which clearly shows payments not applied and the extra money i have with receipts shows I paid extra to escrow and they have not applied it per paper work they sent me on these months ; XXXX/XXXX/XXXXthey show I paid XXXX the check they receive from me was for XXXX XXXX/XXXX/XXXX shows on their paperwork payment received was XXXX my check was XXXX I show at least 30 payments that they have done this with They are not telling the truth and are stealing money from me and my account .There was a XXXX check written to Washington Mu. on XXXX/XXXX/XXXX it was not applied by them or chase check number XXXX they are not collecting the escrow a year at a time so I am short every time my taxes and insurance is due. but if you look how much they collect in a 12 months time there should be enough or a little short they collect escrow from XXXX to XXXX but pay the insurance in XXXX and taxes in XXXX and XXXX They are telling me I am XXXX short. For example they collected per them from XXXX to XXXX in XXXX XXXX and paid Taxes of XXXX plus insurance of XXXX XXXX so as you can see there was enough to cover the cost at no time have I had the money to cover taxes and insurance.but on XXXX/XXXX/XXXX i see where there is a minus on my loan for XXXX saying it is a restricted escrow disbursement on XXXX/XXXX/XXXX there is a restricted escrow refund of XXXX and also on XXXX ; XXXX a restricted escrow refund of XXXX also on XXXX/XXXX/XXXX there was a XXXX restricted escrow disbursement and XXXX/XXXX/XXXX there was a restricted escrow refund of XXXX have sent 2 requests for some one to tell me where these funds went they will not answer me .when they got the loan it was for XXXX per what they sent me but when we did the modification they have it listed at XXXX seems there is extra money on mod paper work and not the same on the account info also my loan from XXXX was a XXXX since chase bought Washington mu they should answer these questions my contract from Washington mu shows XXXX for principal and interest taxs XXXX and insurance of XXXX .total of XXXX as of XXXX/XXXX/XXXX no money has gone on principal and every month there was XXXX in curtailment no one will explain whyXXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX payments were not applied on my account for mortgage on XXXX/XXXX/XXXX they have a loan maintenance charge of XXXX and XXXX theyn say its not there well on my cooy it is has it been removed
XXXX XXXX  is showing on Supplemental Public Records & Residential Information is  showing I did not apply or sign any documents applying for credit in any way as showing on my credit File Number XXXX XX/XX/XXXX I opt out in XX/XX/XXXXon promotional and information.
Ocwen is holding my depreciation check for $ XXXXXXXXand I am current on my mortgage they first applied it to my mortgage I call ocwen they told me they would release it but instead I a call from an inspector for ocwen stating he need to make another inspection. This same person had done one inspection and then came out he did another one at that time he stated repairs was 90 % done and no followup would be necessary. A certification of completion was faxed to ocwen by roofer XXXX XXXX. So I want to know if ocwen has the right to hold my funds and take me back through another inspection.I feel ocwen is taking advantage of me. This is not fair to me. owcen has being a thorn in my side.
In XX/XX/XXXX, I entered into a lease agreement for a 2014 Chevy Equinox. The sales tax, among other fees were rolled into the lease agreement. In XX/XX/XXXX, I moved to Massachusetts from NY, the state I leased the vehicle in. Ally, the lender, sent me a statement saying that my monthly payment is going up because of the MA sales tax. I called Ally and spoke to someone that was in a foreign country that had no idea of what she was talking about. She was reading from a script and not answering the questions I was asking her, nor was she addressing or responding to what I was saying with any coherence. I told her that the sales tax was rolled into the payment and that it is listed in the lease agreement. She said she would have to check with the taxation department at Ally. I told her to call me back when she found out. Over a week has passed and no one has contacted me. I have since spoken with the original car dealership and they again confirmed that the tax was rolled into the monthly payments. I 've tried reaching out to Ally multiple times and each time I 'm met with incompetent people that barely speak English and who get beligerent when I ask to speak to someone in the United States and bury me on hold for over 30 minutes to speak to a supervisor, as was the case today. They do n't do what you ask and have terrible attitudes. However incompetent customer service there is, my main complaint is that they are trying to rob me. The additional monthly charge is not valid and no one there is available or willing to speak to me about it.
I made extra payments of {$1300.00} ( towards principal ) in XXXX, XXXX, and XXXX. I noticed on XXXX XXXX, 2016 the extra payment in XXXX was never applied, so I called the mortgage company ( Stearns Lending ) to apply the payment. On that date my principal balance was {$160000.00}, which should have been {$1300.00} less from the payment they did n't apply in XXXX. They told me this would be resolved by XXXX XXXX, which it was not. Today, the mortgage company tells me the job is closed and I now have a principal balance that is higher than my principal balance on XXXX XXXX, 2016. My payment history report is so full of red from all the reversals that I do n't understand the report. The financial advisor was unable to explain to me as well what they did without another full detailed research. I 'm minus {$1300.00} ( possibly {$2600.00} after an attempt to read through the payment history report. 4 - {$1300.00} in black and 3 - {$1300.00} in red, which leaves me to believe that out of the 3 extra {$1300.00} only one has been applied since all the reversals ). The mortgage company considers this matter resolved and I do not.
I have asked for assistance in reducing my payment due to a reduction in income ; however, Ally is not interested in helping. I was told I could make a principal reduction equal to at least 4 monthly payments, but this would not even reduce my payment by {$100.00} per month. Also, I have a reduction in income. If I could afford to make 4 payments at once, I would n't be asking for help. I was told I do n't qualify for a re-write because I have more than 36 payments remaining. I have made on time payments for the past two years and my credit score has increased since the loan was made. I see no reason why this lender ca n't assist in reducing my rate from 10.95 % to something more reasonable and affordable, rather than causing me to have to surrender the vehicle and ruin my credit.
A attorney filed information in XXXX County Court for XXXX XXXX XXXX XXXX. The debt was not for me ; therefore, the judge dismissed the case. I attempted to contact XXXX in writing but the USPS was unable to delivered the letter since XX/XX/XXXX.  USPS finally " disposed '' of the letter sometimes after XX/XX/XXXX. 

I contacted Equifax in writing twice. Equifax refused to remove the XXXX information for {$920.00}. I also called Equifax and still the information was not removed. According to the FAIR AND ACCURATE CREDIT TRANSACTIONS ACT, reporting information must be accurate. Since it is not, I requested Equifax to remove the incorrect information 3 times. As of today, it has not been done. 

I am requesting that Equifax immediately remove to incorrect information from my credit report.
I recently pulled my credit and noticed that i had some errors on my credit report. 1. I noticed several student loan accounts and a few negative items on my credit report. I have n't attended school since i graduated from high school. I have n't applied for no credit since I 've been out of high school. I did n't apply for any credit at all. I was taught by my parents that credit debt could haunt you, so never apply for anything.
2. I sent in several certified letters to debt collection agencies and credit bureaus only to receive bogus verified credit report letters, and letters with no signatures, no original copies of documents when account was open. I only have credit report letters.
3. I sent in police report to all credit bureaus and collection agencies notifying them that an incident with fraud had occurred and none of the accounts is mine. I have n't receive and verification letters or documents verifying my signature, any amounts. I am getting sick and tired of suffering for something that is n't mine. I have contacted all of the companies on the phone and through mail. This situation has been going on for almost a year since i found out about the errors and inaccurate information on my credit report. This is not a threat but i would kindly like the companies know that within 15 days i will be filing a civil law suit against them for breaking FCR laws.
4. I filled an FTC 5. I am harassed by all companies by phone, job, email Company : Account # XXXX XXXX XXXX/XXXX All Equifax XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
I spoke with a representative twice @ XXXX. Once in XX/XX/XXXX and again XX/XX/XXXX and was told my inquiries would be deleted, as well as my bankruptcy which was discharged in  XXXX. I then also mailed validation letters on XX/XX/XXXX.