WillisBack/dataset-financial-user-claim huggingface dataset:
I am XXXX military, and have been since XX/XX/XXXX. 
In XX/XX/XXXX I purchased a house in XXXX, Arizona through USAA. The loan was a split ( XXXX ). 
I left the US to serve XXXX from XXXX until XXXX. 
During this time USAA sold the primary to another mortgage lender, but USAA retained the " XXXX % '' of the loan for themselves. 
I returned to the US and was divorced shortly after in XX/XX/XXXX-XX/XX/XXXX and because of the housing market crash, the house was upside down. When I attempted to execute a short sale to remove the property as a joint holding between my ex-wife and I, she declined to do so out of pure vindictiveness. This forces the disposal of the property to have to be foreclosed upon in order to break ties and liquidate the property. 
The foreclosure process began, USAA refusel the XXXX / XXXX offer to settle with the primary lender, and the first mortgage holder closed without them. 
USAA somehoe re-catorgized the loan as a " Home Equity Line of Credit '' even though it was original purchase money and not an HLOC. 
In the State of Arizona, there are laws ( see the attached letter as a reference ), that state that all money used as original purchase money, is " forgiven '' at the time of foreclosure. 
USAA has failed to recognize these laws and recorded my mortgage, even after the foreclosure, as a open account with a XXXX balance. 
After seeking assistance from military legal offices, USAA 's only actions in response to the letter requesting the removal of the loan from my credit report, was to file a XXXX and report the loan as loss to them, and capital gains for me. I got smaked with the tax bill, and paid as required. 
However, even after USAA recorded the loss, they still continue to report the mortgage loan on my credit reports and will not communicate with me, or my proxies to resolve this issue. In one event, they actually withheld my military pay to make a mortgage payment forcing me to change my military direct deposit banks to prevent further interference from the bank. I have successfully gotten one of the credit agencies to remove the account based on the law, but USAA has proven to be manipulative and uncooperative, especially since they claim to be a military affiliated institution that is stonewalling an XXXX military member causing massive financial implications in direct contract with the Arizona Revised Statutes that they agree to abide by when they do business in those states. This is a typical struggle of the little guy against the " big bank '' who uses stonewall tactics for their own financial gain, while the whole time advertising themselves as being a " military member supportive institution ''.
i made a purchased of XXXX $ bitcoin from coinbase since XXXX of this month and after 6th days they canceled my order and they told me i will receive my money back within 3-4days but it's more than 8 days now i haven't receive the money back ... 



Coinbase Your purchase for {$900.00} USD of BTC has started We expect your purchase to be completed by XX/XX/2018. We will send you another confirmation when your purchase is completed. 

We're unable to cancel started orders. 
Read more about why here. 

Reference code XXXX Payment method XXXX XXXX XXXX - XXXX ... XXXX Start date XX/XX/2018 Estimated payout XX/XX/2018 Amount XXXX BTC Exchange rate @ {$6600.00} / BTC Subtotal {$890.00} Coinbase Fee {$8.00} Payment Method Fee {$0.00} Total {$900.00}
So this is maybe like the third or fourth time Chase has overdrafted my college checking account for an " everyday expense, '' though the agreement I signed explicitly states that in the case of insufficient funds Chase is to decline, not accept my card. It was an option I specifically indicated as such to avoid problems like this. On XXXX/XXXX/15, with the latest charge before being two days before on XX/XX/XXXX, and with an indicated balance of {$4.00}, Chase approved a {$7.00} " everyday expense '' from the local XXXX leaving my account at - {$3.00}. I sent them a message about it, kind of upset because this is the third or fourth time, and they generically responded as though this was n't their fault. I 've had overdraft fees apply everytime before as I 'm sure they 're getting ready to pin me this time ...
I have recently reviewed a copy of my credit report. I am concerned because there was an inquirys by companys that I do NOT recall authorizing. 
It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. I have told transunion in they did not help me at all CC : Federal Trade Commission, Office of the Attorney General, Consumer Alliance for Fair Credit Reporting, Department of Banking and Finance, Office of Thrift Supervision, Better Business
Trans union had several computer breaches in their systems that violated the rights of their consumers under section XXXX XXXX I have been gravely affected and my score is suffering as a result. the computer glitch that caused all of the inquiries on my credit report to be deleted and my score was increased as a result. The very next week all the inquiries were reinserted to my credit report without prior written notification which is a direct violation of sec XXXX XXXX of the Fair reporting Credit act. I have spoken to several reps of Transunion and they acknowledged that there were several security breaches that happened them in 2016 affecting their systems and credit reports, but they refused to fix thier error regarding my credit report, I am requesting that the reinserted credit inquiries, be permanently removed. I demand the following inquiries to be removed from my credit report immediately. ( 1. ) XXXX savings on XXXX. ( 2. ) XXXX on XXXX. ( 3 ) XXXX on XXXX. ( 4. ) XXXX on XXXX. ( 5 ) XXXX on XXXX. ( 6 ) XXXX on XXXX. XXXX on XXXX. ( 7 ) XXXX XXXX. ( 8 ) XXXX on XXXX XXXX. ( 9 ) XXXX on XXXX. ( 10 ) XXXX XXXX on XXXX. ( 11 ) XXXX on XXXX. ( 12 ) XXXX on XXXX. ( 13 ) XXXX XXXX. ( 14 ) XXXX on XXXX. ( 15 ) XXXX CARD XXXX. ( 16 ) XXXX CARD on XXXX. ( 17 ) XXXX CARD on XXXX. ( 18 ) XXXX CARD on XXXX. ( 19 ) XXXX CARD on XXXX. ( 20 ) XXXX CARD on XXXX. ( 21 ) XXXX CARD on XXXX. ( 22 ) XXXX XXXX on XXXX. ( 23 ) XXXX on XXXX XXXX. ( 24 ) XXXX on XXXX. ( 25 ) XXXX on XXXX. ( 26 ) XXXX on XXXX. ( 27 ) XXXX on XXXX. ( 28 ) XXXX on XXXX. ( 29 ) XXXX on XXXX. ( 30 ) XXXX on XXXX. ( 31 ) XXXX on XXXX. ( 32 ) XXXX on XXXX. ( 33 ) XXXX on XXXX. ( 34 ) XXXX on XXXX. ( 35 ) XXXX on XXXX. ( 36 ) XXXX on XXXX. ( 37 ) XXXX on XXXX. ( 38 XXXX on XXXX. ( 39 ) XXXX on XXXX. ( 40 ) XXXX on XXXX. ( 41 ) XXXX on XXXX. ( 42 ) XXXX on XXXX. ( 43 ) XXXX on XXXX. ( 44 ) XXXX on XXXX. ( 45 ) XXXXXXXXVISA on XXXX. ( XXXX ) XXXX on XXXX. ( 47 ) XXXX on XXXX. ( 48 ) XXXX on XXXX. ( 49 ) XXXX on XXXX. ( 50 ) XXXX on XXXX. ( 51 ) XXXX on XXXX. ( 52 ) XXXX on XXXX. ( 53 ) XXXX on XXXX. ( 54 ) XXXX on XXXX. ( 55 ) XXXX on XXXX. ( XXXX ) XXXX on XXXX. ( 57 ) XXXX on XXXX. ( 58 ) XXXX on XXXX. ( 59 ) XXXX on XXXX. ( 60 ) XXXX on XXXX. ( 61 ) XXXX on XXXX. ( 62 ) XXXX on XXXX. ( 63 ) XXXX on XXXX. ( 64 ) XXXX on XXXX. ( 65 ) XXXX on XXXX. ( 66 ) XXXX on XXXX. ( 67 ) XXXX on XXXX. ( 68 ) XXXX CARD XXXX on XXXX. ( 69 ) XXXX BANK on XXXX. ( 70 ) XXXX BANK on XXXX. ( 71 ) XXXX XXXX on XXXX. ( 72 ) XXXX BANK on XXXX thank you.
My name is XXXX XXXX. I ca n't acces my rush card account. They 've been giving me the run around for almost a week. Ima single mother of a XXXX old son and XXXX year old brother. I 've been with rush card since 2008. This is my second issue with this company. I have been without food for 6 days and I had to go to a food bank. I 'm late on my car note and just lost my job. I 'm a full time student. I cried because I felt like I shout have put myself in this situation, when all I 'm trying to do is support my boys.
BankUnited wrongly reported a delinquent payment to the credit agencies. The bank created an escrow balance based on them having lost the condo flood insurance policy the management office faxed to them. The bank then wrote me a check in the amount of my XX/XX/2016 payment stating the bank would not accept payment that was short of the full escrow amount ( even though the bank incorrectly charged me escrow due to losing flood insurance policy ). The bank pretended as if I never made my XX/XX/XXXX payment which was clearly wrong. I then emailed the condo flood insurance policy to the bank on XX/XX/XXXX, and as of Friday, XX/XX/XXXX, they still have not cleaned up my account ( after receiving the bank check equal to my XX/XX/XXXX payment, I turned around and wrote XXXX checks - XXXX for XX/XX/XXXX & XXXX for XX/XX/XXXX ). Throughout this time, the bank continued to call & harass me as if I was not making my mortgage payment. Bottom line is I want the bank to report the delinquent XX/XX/2016 mortgage payment as a bank error since I actually did make the payment ( the bank seems to want to pretend that I did not make the payment because they would not acknowledge a payment that excluded escrow which I really did not owe because they lost my flood insurance policy and still have not fully updated my account with the documents I had to email them ). I 've never heard of a bank writing a check to a client and then turning them into the credit agencies. I find BankUnited to be grossly mismanaged in a tangled web of incompetent procedures, leading to the left arm not knowing what the right arm is doing. This bank should be investigated for inappropriate mortgage payment processing.
XXXX XXXX XXXX has moved my credit card to XXXX WITH BARCLAyCARD. I filed a complaint with XXXX XXXX and they referred me to XXXX stating all statement and information has been changed over to Barclay. When I contact Barclay they say they only have records as of XX/XX/XXXX when they merged and they refer me back XXXX. I am stuck in the middle I need my credit card statement From XXXX XXXX thru XXXX XXXX. I was paperless with XXXX. I do n't know what to do and this is not fare and I am being sent back and forth and no one is helping me.
Received an alert by email from turbo tax that my credit score changed referencing a late auto loan on XX/XX/18. I then checked the mailbox to see that I had received my first notification from Chase Bank dated XX/XX/18 on XX/XX/18 that my car loan was 30 days late, though it was set up on auto withdrawals. 

I Immediately contacted chase bank and was told there was a auto withdraw system purge error on thier end, that had effected numerous accounts and my account was one effected. I was told by operator XXXX that my account was two months behind not one and they needed both months payment payed in full before they could fix the issue. ( {$970.00} ) I asked about the credit reporting issue and was told it wouldnt be effected, only it already had been effected which I advised them and was dismissed on the concerns. I was assured it would be cleared up after the two months in payments was made. The two months of payments ( {$970.00} ) was made even though their own paperwork showed only one month was actually late. 

Payment was done this same day XXXX18. After the payment was made, I logged into the on line chase account and it still showed one month behind not two and in reviewing my credit report, it was greatly effected by thier auto withdraw system error some 70 points  or so. 

Why if they were aware of the system error why did they allow these accounts to still report to the credit bureaus as late? 

When will the error be fix with the credit reporting agencies and why should I be Inconvenienced when I set up my account with auto withdraw to avoid exactly what happened, not to mention being told to pay two months contrary to what was on the notice.
I am submitting this complaint because this bank is continuing to deny my applications, this time one for a checking account, three years after shutting down a single Chase XXXX credit card because of too many inquiries. Since this, I also tried to open a Chase XXXX card and received the denial reason of " Previous unsatisfactory relationship with bank ''. I understand their concerns then since my credit file was a little thin and new but clearly today is different with a > XXXX credit score. I have never defaulted on a loan or even ever been late with a payment and have thus clearly demonstrated being a good credit risk, at least for a checking account. I opened this account because of the convenience of a branch to my home. I am kindly asking for this to be reconsidered due to the time that has passed and also it being based on actions I didn't even know were a problem. I am submitting this request through the CFPB because it is the only effective way to reach the Office of the President. Thank you.
This alleged company ( XXXX XXXX   ) state thati have a banking account with them although I don't I have no idea on where this bank is located at, I've sent in my ID, certified affidavit form, with a police report, and ftc identity report, I've reported this to my credit bureaus and yet its is going 3 months of a constant investigation every time its gets to the 30 day mark is just automatically re-investigate and take my credit score down please assist me.
I purchased a memory foam bed through XXXX XXXX on XX/XX/XXXX because they offer no interest financing for 2 years ( or even longer, but we opted for 2 years ). Not surprisingly, this offer is still listed on their website, here : XXXXHowever, this offer is serviced by Wells Fargo and they are refusing to honor the terms of this agreement. Wells Fargo started charging me interest on roughly half of the remaining balance starting in XX/XX/XXXX ( which is 14 months after the purchase ). When I called Wells Fargo customer service, the rude representative told me that " I signed '' an agreement saying that the no interest period was 12 months. That is n't mentioned in the agreement I signed. According to my records I did not sign any such thing. Unless they can furnish the document, then it did n't happen. Also, if the representatives story was actually true, why would interest charges only apply to a fraction of the remaining balance and not the full balance? Also why would it start to happen 14 months later instead of 12? I have n't used the credit to buy anything besides my bed and pillows. Somewhere a mistake has been made. Wells Fargo should not charge interest until XXXX XXXX as per their agreement! Which they are not honoring. So far I have accumulated {$330.00} of erroneous interest charges according to the statement on XXXX/XXXX/XXXX.
My home will be taken away come XXXX XXXX 2015 by XXXX. I have n't tried to save it for I lost hope! I have not replied to the banks for which I did n't care anymore. The home I reside in has been a family home which was left to me and I worked on it to make a better place until 3 years ago when family was complaining how I inherited the home and they got nothing. They disowned me as a family member, which was hard for me because family was everything to me!! I was trying to move on then the following year my house had been broken into several time for the past year. Found out it was a family member and his friends who were on drugs and stole to supply their habit. Last time he did it parents told me to turn him in as I did and he was sent away and has recovered but how difficult it was me to be the XXXX to do it. I was so low in life that I was hating my home more than ever. Then last year I was waking up from the dark and ready to get help for my home. As I was set to start I had lost my job. I did walk straight into a new job however it was just minimum wage. I love my new job and I 'm a hard worker, my boss will give me a great review if this were to go any further. I had a raise and have great opportunity for commission as well. I have belief that I can do this now if I could be given this chance.
Paid accounts, refinanced student loans shows as " closed accounts '' As I know closed accounts may negatively affect my credit health, so I am fighting to defend my reputation, I want XXXX, Equifax, XXXX to DELETE all the paid and refinanced accounts to keep my reputation clean because I am serious about taking care of my credit.
XXXX XXXX refuses to tell me how they are coming up with my loan forgiveness date. They always say they will get back to me. I have tried calling, letters, and a prior complaint to CFPB in which they responded on XX/XX/17 saying that they would get to me. This is over a XXXX later and they still have not gotten back to me!
I had a bankruptcy discharge on XX/XX/XXXX and have attached it to this complaint. My complaint is against XXXX. Consumer Relations, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX XXXX. I have attached a copy of a denial. It says reason for denial : # of months since 30 days past due is too low, accounts in collection or 30 days past due, High ratio of accounts past due. How can this be since I was in a 5 year bankruptcy that was recently discharged on XX/XX/XXXX? Every single one of my debts that had any balance on XX/XX/XXXX was included in my bankruptcy. There is nothing on my credit report that was not included and that has not been discharged. That said, it is against bankruptcy laws for XXXX to make the statements they made in this denial and no creditor is allow to show me past due, charged off or having a balance. XXXX and the reporting creditors are in violation of the Discharge order. It this matter does not get resolved through CFPB, I will be filing an injunction through the bankruptcy courts.
I am a victim of identity theft. I have faxed in my police report and they removed inquiries but some was n't removed and also allowing somebody to keep running my credit causing me to get more hard inquiries on my Credit Report. The dates listed below are inquiries that needs to be deleted and I also requested nothing be ran on my report without my consent. XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX
I received a form collection letter from a company called Penn Credit Corporation stating I owed {$160000.00} in back taxes. I immediately called the company as I do n't owe the State of Maryland anything. According to the company 's form this goes back to 2009. I live in MD for four months temporarily in 2009, my employer filed the -2 and my tax accountant filed all the necessary tax returns. I can not get this company to call me back. I only get a recording that does not announce their name and asks the caller to leave a message. I was becoming more suspicious of this company/activity as I researched further. I called the State of MD Controllers office and they put me through to Tax Services. I gave them the information on the form letter and the woman on the phone said that this must have something to do with the audit of the Stats of Maryland and they could n't find documents. I asked her when that became the taxpayers problem that they could not locate records and she of course was less than useful. I asked her where balance due came from on the collection notice I received and she said " they just put my income in there ''. I asked her again where the income on the collection notice came from where because I did not make that much money in the state of MD and wish I would have. Again no help, no answers. This is unacceptable and as of today, Tuesday, XXXX XXXX at XXXX I have not heard one word from Penn Credit Corp .
Santander reported inaccurate information that are Still having damaging effects on me and my credit. My insurance paid for my auto loan and this information was n't reported to the credit bureaus until just recently after I submitted a dispute. They are also reporting inaccurate late payments and refusing to correct or delete.
I am writing to provide you instructions on how to apply payments when I send an amount greater than the minimum amount due. Please apply payments as follows : After applying the minimum amount due for each loan, any additional amount should be applied to the loan that is accruing the highest interest rate. If there are multiple loans with the same interest rate, please apply the additional amount to the loan with the lowest outstanding principal balance. If any additional amount above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the loan with the next highest interest rate. It is possible that I may find an option to refinance my loans to a lower rate with another lender. If this lender or any third party makes payments to my account on my behalf, you should use the instructions outlined above. Retain these instructions. Please apply these instructions to all future overpayments. Please confirm that these payments will be processed as specified or please provide an explanation as to why you are unable to follow these instructions. Thank you for your cooperation.
This is for a complaint of an account for a report of XXXX dollars missing out of my Citizen 's Green Savings Account. While in the most currant occupation, I managed to open a savings bond for investment holding. The account was linked to the bond but no transaction was made before the money was missing. thus an income by-weekly, a suppliment of income was deterred. I was inflicted, mournful, and dreaded of this mistake. In the prior time i made a report of the money missing to the clerk minutes after and the next week, no call was made to me and no police arrival. after 2 and half years another incident escaladed by another transaction for XXXX which became a close call but made assurance to the neglega of the last incident. I made a call to the FDIC and police to make repamands but still yet, no closure of the incident. 

-Sincerely, XXXX XXXX
We filed a chapter XXXX Bankruptcy in XXXX, and it was discharged in XXXX. We held our mortgages outside of the BK, and authorized the lenders to continue to send statements. When the BK was discharged they were sent a copy of the discharge as well. 
There was a change of servicing company, but XXXX servicers took the same stand. They would not send us any statements or letters, they did not send the annual escrow disclosure statement or notify us of any changes. They would not speak to us, or allow us online access to our account. 
The second servicer took over our loans XX/XX/XXXX ( we have XXXX homes XXXX was my husbands and XXXX was mine before we were married ). 
We were not given online access to our accounts by the new servicer until XXXX XXXX and XXXX XXXX respectively. They still do not send us correspondence, annual escrow statements, or regular statements. We can see these letters generated online, but they never are sent. 
Additionally they are not reporting our payments to the credit bureaus. They are insisting that we give them a reaffirmation letter and then they will report to the bureaus. 
Our BK attorney has strongly advised us not to sign a reaffirmation. His position is XXXX fold, first of all the properties were held outside of the BK, so there is no need to reaffirm the debt. Secondly he feels that the servicing company is taking away our rights to begin a new start in building our credit. His recommended resolution is that we re-open the BK and file an adversarial action against the servicer regarding their non-reporting and it 's impact on our ability to re-establish credit. Nationstar has essentially taken away our rights given to us upon completion of the BK and has hindered our ability to establish credit of any kind even to lease a vehicle without a co-signer. 
We have been working on correcting all of these issues for close to a year and a half. 
Can you help us clearly understand our rights in this situation?
I viewed my XXXX credit report using XXXX. It shows I applied for credit to CBNA on XXXX XXXX, 2016. I submitted no application for credit of any kind at that time. This may be the result of identity theft and I want any record of this inquiry removed.