WillisBack/dataset-financial-user-claim huggingface dataset:
Last year I found out my daughter had some fraudulent charges on her USAA checking. When we initially opened the account she was a minor and the account was put under my name. Last year I was checking my accounts and noticed that there was a check deposited for around {$10000.00}. There were also XXXX charges to XXXX different XXXX for about {$3000.00} each. I immediately contacted my wife to cancel the card ( I was stationed in XXXX at the time ) and I called the USAA fraud department to file a claim. Over the next few days we waited for someone to get in touch with us to figure out what the problem was. During this time my daughter made a police report to the XXXX Texas Police Department. 

A few weeks after the fraudulent activity I noticed I did n't have full access to all my USAA accounts ( Car Insurance, Home Insurance, Credit Cards, and banking ). Once again I called to see what the problem was. That 's when I found out that USAA was holding my daughter and me responsible for paying back the funds. I 've pleaded to them numerous times about why we 're being charged for something we had no knowledge of. All the reps I have spoke with said my daughter was not the one who did the fraudulent charges, but somehow she was still negligible. 

Their security practices are terrible. My wife has been issued numerous bank cards because of security issues. My son had a fraudulent charge in XXXX when he was at college in XXXX. 

I 've been with the company for XXXX years and I 've never had any problems until I started banking with them.
I have been applying directly, for hardship assistance with this Servicer ( Selene Finace ), since XXXX of XXXX. 
Previous to that, I retained legal counsel to assist me with the process. 
I have provided all items requested multiple times, yet have had no success with being reviewed properly, for hardship assistance. 

Despite cooperating fully, I have not been able to communicate with the assigned Relationship Manager, XXXX XXXX XXXX. 
Servicer has set several Judicial Sale Dates, claiming that I have not provided information in a timely manner.

Servicer also submitted a denial letter ( dated XX/XX/XXXX ), claiming that I had been reviewed for assistance, but had insufficient income, as well as too much debt, to qualify. In reality, Servicer utilized erroneous information, possibly from another applicant, and has not reviewed my financial information correctly. 

I challenged those findings unsuccessfully, yet Servicer refused to review their decision, or cancel the scheduled Sale date set for the following day, XX/XX/XXXX. 
I was successful in canceling and having the Sale rescheduled to XX/XX/XXXX. 

I submitted all the supporting documents requested by Servicer, and none were reviewed. After numerous inquiries and internal escalations, I was informed by the Servicer, that my application would not be reviewed, due to there being insufficient time to review ( less than 37 days before scheduled sale date ). I was then reassured that if I could have the Sale Date postponed, Servicer would permit me to submit a new application, and that Servicer would properly review my application for all available options.

I was successful in having the Sale rescheduled to XX/XX/XXXX. I then prepared and submitted a Hardship assistance application, as instructed, to Servicer. ( see below ) Mail to : Selene Finance LP XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX Or Fax to : ( XXXX ) XXXX Or Email to : XXXX I submitted the documents and information by email ( XXXX ) on XX/XX/XXXX - 39 days before the scheduled Sale Date of XX/XX/XXXX. One week later, I followed up with Servicer. Servicer claimed to have no record of receiving my application. 

I was advised to resubmit on that day ( XX/XX/XXXX ), and informed that the file was escalated. I submitted the application to XXXX as instructed. 
I then called again on XX/XX/XXXX, and was again advised that no record of submission existed. I was advised to submit again that day, for an expedited review. I submitted the application by email to : XXXX, XXXX, XXXX, and XXXX On XX/XX/XXXX, i again called Servicer. I was told that no record of a submission existed! I submitted once again, while the rep claimed to be monitoring the Inbox ( XXXX ). I asked for a callback from XXXX XXXX XXXX - as I've done multiple times, yet to date have not received a response. 

This Servicer has not acted in good faith, and I am pleading for your intercession.
Rooms to Go closed the account many years ago and submitted it to XXXX XXXX for collection. This debt was disputed and the amount owed. XXXX continues to report it every year to keep it open on my credit report and I have never received a copy of the orginal paperwork as requested from Rooms to Go. Rooms to Go is reporting it as well as XXXX. So I have XXXX companies reporting the same debt each with different amounts.
UPromise XXXX serviced by Barclaycards : The telephone access system requires a SSN and zip code to be entered via keypad in order to access account information, including transactions and payments. No pin is required. My ex-husband knows my SSN and zip code and was able to access my account information each month. I requested a telephone pin be set up, but they would only offer a verbal pin and not XXXX for the keypad. As a result, my information was compromised and illegally accessed.
I went to XXXX seeking help to modify the interest on my home loan. When we ( wife and I ) signed the documents, with Select Portfolio Servicing who were with with XXXX, we were not aware of the final balloon payment on the interest bearing principal balance added to my mortgage. I was never given a copy of this agreement. I became aware of this recently when I asked the homeownership counselor what my final payoff will be, the told me about this new balance on my mortgage. I feel that fraud and misleading information has taken place. This organization was not upfront nor honest with me.
Hello, I 'm the cardholder for this account. I have been double billed and also told by the credit card company to keep only card pay current and and I have been paying on the other yet I 'm still being charged more than {$50.00} in fees. I have tried several times to attempt these add have been constantly put off by the company. 
I must be given 45 days notice of rate, fee and finance charge increases. I was not given any notice my rate would change. 
Double-cycle billing is banned, which eliminates interest charges on debt you pay on time. As you can see by my documents I have been doubled billed.
I received a debt collection letter and I am requesting Debt Validation Contract For Debt and assignments according to Fair Debt Collection Practice laws
While refinancing our home loan XXXX XXXX, we call our previous lender, Ditech to get a pay off letter. They mailed us a payoff letter good through XXXX/XXXX/2016, for the amount of {$280000.00}. Our new loan with XXXX XXXX funded XXXX/XXXX/2016 and Ditech 's own records verify that. Today, XXXX/XXXX/2016, I received a letter from Ditech stating that we owe them an additional {$4100.00}. Needless to say, we do n't have an extra {$4100.00} laying around, and do n't understand how Ditech could have made this " error '', if in fact there is one, and if so, how they can demand payment right now and charge me {$43.00} a day until I pay it. Had they given us this payoff, it would have been financed into our loan, raising the payment {$20.00} a month.
American Express mistakenly closed my credit card, wiping out $ XXXX in credit availability ( half of my overall availability ), which ultimately double my credit utilization, which resulted in a 40 point reduction of my FICO score. They have been less than responsive and are not taking ownership of the impact to my credit.
I was a victim of identity theft and noticed a collection from AFNI. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AFNI in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
I obtained a loan through Synchrony bank to purchase a XXXX indoor bike. XXXX has since then cut ties with XXXX, but shows account as closed with open balance on my credit report. This represents a hit to my personal credit history which is currently recovering from a recent bankruptcy. Neither XXXX nor synchrony seems to take into account the damage this may cause to customers. Its unfair!
So I filed a dispute with TransUnion about inaccurate reporting information about my bankruptcy, I asked them to update the correct filing date, they responded back and said a 3rd party company they use to verify the information confirmed that the information was accurate and correct. I then called them and said please tell how the information was verified and the said they use a company call XXXX, I then told them that how was it possible that XXXX verified my information when I have a security freeze on my account with this company. I contacted XXXX and asked how them how did they verify the information I was disputing and they said they contacted the court where I filed my bankruptcy, I informed them that I had a letter from the court clerk that states, they do not report to 3rd parties and credit bureaus, I sent this letter to Transunion with my security freeze letter from XXXX, So this is proof that a FRAUDULENT verification was conducted or not done at all. So I ask that this be removed from my credit report IMMEDIATELY.
On XX/XX/2017 my student loans with XXXX XXXX XXXX were paid in full in the amount of {$10000.00}. I received the confirmation number after the successful payment was made. I looked at my payment history and it stated that my balance was XXXX and it also stated that the account was 0 days delinquent. After the payment was made the balances of my student loans were updated on my credit reports to XXXX. It reports as positive on my XXXX report but it reports as a sold/transferred debt on XXXX  and XXXX. I have disputed it many times but nothing has changed. Then on XX/XX/2017 the U.S Department of education sent me a letter claiming that they were collecting on behalf of XXXX  XXXX XXXX and also claiming that I owe them {$10000.00} plus {$620.00} interest so it came up to {$11000.00} all together. The U.S Department of education gave me 60 days to dispute the issue which I did. I sent them a letter as well as proof that it was paid in full and that it was 0 days delinquent and I asked them to get rid of my personal information. I thought the got rid of it but in XX/XX/2017 they reported the alleged debt to the credit bureaus and sent the debt to XXXX XXXX XXXX XXXX. Enclosed will be the letter I sent to U.S Department of education and proof that my student loans were paid in full.
On or about XX/XX/XXXXI recieved in the mail 'EMERGENCY MORTAGE RELIEF 'letter explinig how XXXX get my mortage lowered, i called the number provided and started the process after speaking wit the loan spec., I BEGAN THE PROCESS I recieved and signed all paperwork required .After speakng on a conferance call with ny mortage co. and the above named co. I was insructed to send payment in the amt of XXXX in XXXX mthly payments which was at a 2 % new rate on my home. .after the last payment was sent i followed up with the XXXX XXXX only to find no longer was there any service numbers active. XXXX now XXXX mths behind on my mortage, I need help pls!!!
IVE BEEN DISPUTING A FEW ACCTS ON MY CREDIT BUREAU ( TRANSUNION ) AND THEYRE NOT FULLY INVESTIGATING THE ISSUE IM A VICTIM OF IDENTITY THEFT IVE PROVIDED FTC REPORT, IDENTITY THEFT REPORT, XXXX LETTER FORM XXXX, STATING ALL NEGATIVE ITEMS ARE TO BE REMOVED AND BLOCK BECUASE IM A VICITM OF IDENTITY THEFT AND ITS BEEN 4 MOS AND NOTHING HAS BEEN REMOVED OR BLOCKED FROM MY CREDIT IVE DISPUTED THESE ITEMS FOR LAST 4 MOS AND STILL NO RESULTS AND IM THE VICTIM NO ONE HAS VALIDATED THE DEBT PROVING ITS ME BUT IVE PROVIDED ALL DOCS TO PROVE ITS NOT ME AND CREDITOR SAYS THEY BELIEVE ITS ME BUT NOONE HAS PROVIDED ME WITH ANY DOCUMENTATION TP PROVE ANYTHING BUT IM THE VICITIM BEING PENALIZED WITH NEGATIVE ACCTS AND ERRONEOUS ADDRESSES IVE NEVER LIVED AT OR REQUESTED UTILITY SERVICES AT THAT IM BEING CHARGED FOR WHICH IS VERY UNFAIR TO ME AS A CONSUMER. XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX HAVE NEVER VALIDATED ANY DEBT TO ME AND IVE ASKED SEVERAL TIMES TO BE PROVIDED INFORMATION ON ALL THESE ACCTS 4MOS LATER STILL NOTHING BUT NEGATIVE REMARKS ON MY CREDIT REPORT THATS NOT FAIR TO ME ...
Today a gentleman called my phone asking for myself or my husband to speak about an outstanding debt. I gave him my husband 's number and after a while my husband called to tell me how the phone call went. Apparently it did not go so well because the gentleman was very brash and rude to my husband. They went back and forth about an amount that was supposedly to be promised to paid, and my husband stated that he agreed to an amount of XXXX and they were trying to collect XXXX. I called back to speak to the man and to let him know that we are trying to work with them but we didn't appreciate being talk to in that manner and the man became very aggressive on the phone and repeatedly interrupted me and stated that he was going to mark the file as " refusal to pay '' even though we didn't refuse, we just wanted to find the correct documentation. I feel extremely degraded by this company, they did not treat us like we were human beings and he hid behind the fact that he was doing " his job ''. They did not want to work with us at all. I feel threatened by them.
I have tried to dispute this account previously. I DO NOT have a contract with this company. The company reporting the credit item and it has incorrect personal information. The company has the incorrect date of birth, social security number, and my name is misspelled. This company had two accounts on me.
I began disputing an alleged debt with Wakefield & Associates in XXXX 2017. On XX/XX/XXXXI requested " validation '' of the alleged debt. OnXX/XX/XXXX they responded with a copy of a bill which does not constitute validation of debt under the FCRA. Once again onXX/XX/XXXX I requested validation. They replied by saying they have already done so and are not obligated to provide duplicate information. I then sent a dispute to all three credit bureaus asking for " validation ''. They responded by saying the debt has been verified and updated my credit report with the consumer disputes. I even asked the credit bureaus via telephone " what is the process used to verify debt ''. Nobody can provide me with any answers. I sent a second request for " validation '' to all three credit bureaus. Once again they were unable to provide me with the information requested. The name and address matches mine but not the DOB. I have been going back and forth with Wakefield and Associates as well as the credit bureaus for nearly six months with no resolution in sight. This is not my debt, nobody has been able to provide me with any documentation to prove that it is mine. I should not be held responsible for something that does not belong to me. I would like for Wakefield and Associates to remove this account from my credit reports as it is not mine. I am trying to obtain a mortgage and this delinquent account is hurting my credit score.
Letter sent to Rise Credit on XX/XX/XXXX, which is the 2nd attempt to fix this problem : Attn : Customer Support XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Fax ( XXXX ) XXXX Re : Loan # XXXX ; amount {$1900.00} Facts of Concern : 1. This is not a case of theft or fraud, because there is no evidence in my credit file or problems with any creditors that would indicate that either my identify or credentials have been compromised or breached. 
2. I never applied for a loan in the amount shown above ( {$1900.00} ) at any time. 
3. I will provide Rise Credit with any documentation upon request that is needed to expedite resolution of this matter. 
4. I have been paying on Loan # XXXX ( unknowingly ) which was [ erroneously ] assigned to me by Rise Credit since XX/XX/XXXX. 
5. Rise Credit knows that Money Movement between accounts of interest [ points of exit and entry ] is easy to track and trace. 
6. The funds were never deposited into any of my bank accounts. 
7. Rise Credit can not provide me with a 'Consumer Loan Agreement ' for funds that I requested and verified by any form of signature in XX/XX/XXXX.. 
8. Rise Credit owes me a full refund of all principal and interest payments that I made on [ Loan # XXXX ; amount {$1900.00} ] immediately. 
9. Rise Credit should remove any and all negative statements ( i.e. Lates, Write-off ... etc ) that they have sent to any of the 3 Credit Bureaus Associated with Loan # XXXX immediately. 
10. Upper Level Management ( High Pay Grade ) needs to conduct an investigation of this complaint to determine the cause of this significant Accounting Error ( i.e.Ethical/Moral misconduct of a Rise Credit Employee/Employees versus an unintentional Data Entry Error by any Rise Credit Employee/Employees ). 

Please be advised that I am forwarding a copy of this correspondence to both my attorneys and to the Consumer Financial Protection Bureau today. 

Your expeditious attention to resolving this credit dispute shall be greatly appreciated. 

Sincerely, XXXX XXXX XXXX
I have a XXXX balance on my PayPal account and no unresolved issues or business with them. I have tried three times today ( online, and phone ) to cancel my account. Customer service was unwilling/incapable of closing the accounts. 
I want to minimize my online exposure to security threats and PayPal is being uncooperative.
My mortgage was purchased last year by SPS ( Select Portfolio Servicing ) from XXXX XXXX. Prior, I used to pay approximately {$250.00} per month in excess of my contractual obligation, and per the terms of a loan with no prepayment penalty, any payments in excess of the contractual amount are posted to the principle amount. In the future, I intend to make considerably more " over '' payments. On my most recent statement, SPS notified me that unless a full contractual payment is made, any overage would remain in " in-posted '' status until it builds to a full contractual amount. As my contractual amount is approximately {$5000.00}, this indicates that I could pay {$500.00} over, but nothing would post to my account for nearly a year. This is a violation of the loan agreement and creates an over charge for interest. Based on my conversation with SPS, I believe this is a systemic issue for any payment overages that come as payments outside of a single monthly payment ( i.e. if I pay {$500.00} mid month every month, they would only hold it in escrow, if I pay {$500.00} over on an end of month payment, it would post to principle ). I believe any party paying unique separate payments on top of contractual are victims of this misallocation and over charge of interest. I was told because this was a " conforming '' loan, the payment allocation was at their discretion. Not sure how conforming status impacts the legal payment hierarchy.
I have been a loyal customer with Rushcard since 2005, NEVER IN MY LIFE HAVE I EXSPERIENCED SUCH APPALLING BEHAVIOR FROM A BUSINESS, I AM OUT {$280.00} DOLLARS I HAVE DORECT DEPOSITED FROM CHILD SUPPORT! AND LOCKED OUT OF MY ACCOUNT! HUNG UP ON WHEN I TRY AND CALL TO ACCESS MY MONEY HOW DO THEY EXPECT PEOPLE TO LIVE DAY TO DAY WITH NO MONEY ... OUR OWN MONEY WE CAN NOT ACCESS ... 10 DAYS I AM IN DIRE STRAIGHTS DUE TO THE INCOMPETENCE OF RUSHCARD, XXXX, XXXX XXXX ... ..GIVE ME MY MONEY
I paid my monthly due amount to JC Penney, inside the store in XX/XX/2018. They advised me in XXXX that they did not receive my payment. I sent them a copy of my cancelled check which showed that they did receive the payment. The letter was sent on XX/XX/2018 to the headquarter office of JC Penney, customer service and headquarters of Synchrony Bank. The information was to the address on the statement. I received my statement today, which showed another late fee and a larger payment due. I called Synchrony Bank and they said that they never received my letter. I am suspicious that all 3 did not receive my letter as I have not heard from any of them. My letter is below.
XXXX XXXX is attempting to collect a debt that is not owed by way of XXXX XXXX   XXXX, XXXX. The amount not owed is XXXX and they sent the letter to my ex-wife and she was stress out and so were my kids. This account was discharged in Bankruptcy court. The account is XXXX. The phone number is XXXX. A month ago, I called XXXX XXXX and they sent me accidently to Portfolio Recovery Associates and demanded I pay XXXX dollars. I told them that I this was discharged in Bankruptcy court. 2 days ago, I called Portfolio and talked with an associate on account number listed above and they demanded XXXX payment. I told them I would contact my bankruptcy attorney and I did. However, the bankruptcy attorney told me that he is no longer working as my bankruptcy attorney and I had to find another attorney. This is why I am contacting your organization. My ex-wife does not owed this money and neither do I because it was in the bankruptcy chapter XXXX. I filed in Colorado and my divorce was in Colorado. The bill states " The law limits how long you can be sued on a debt and how long a debt can appear on your credit report. Due to the age of this debt, we will not sue you for it or report payment or non-payment of it to a credit bureau. Depending on the laws of your state, certain actions, such as making a payment or promising to pay the debt, may restart the time period for filling of a lawsuit against you : but even if that were the case, we still will not sue you on this debt ''.
I had a car loan at FifthThird bank in XXXX Indiana. I sold the car myself, took cash to the bank and paid off the loan. FifthThird then told me that it is their policy to make the car Title available within XXXX days to XXXX weeks after the loan is paid. This nearly caused the buyer to back out of the sale. I contacted numerous people at their headquarters and was told basically the same thing every time. No. No matter what the circumstance, even with confirmation of the loan pay-off from their branch manager and their computer system, they would not simply pull the title from their files, sign off on the lien and put it in the mail to me within a day or two. Their policy and actions are completely unnecessary and uncalled for. Consumer beware.
It was reported on XX/XX/2016 that there was an amount that I owed XXXX   XXXX XXXX after they already closed my account. That amount still appears as unpaid on Chex Systems , Inc. Today, I went to XXXX XXXXXXXX XXXX and they told me that I don't owe them any amount, that it was already paid for.
XXXX XXXX XXXX XXXX not mines they said i cant remove it only if i pay i must contact credit bureau that they reported it Overview You're currently using 101 % of your account 's limit. 
Balance {$20000.00} Credit limit $ XXXX Monthly payment {$640.00} Opened XX/XX/XXXX ( 2 yrs, 1 mo ) Payment History Youve made 72 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Charge-off Amount past due {$20000.00} Worst Payment Status Charge-off Account Details Account status CLOSED Type Credit Card Responsibility Individual Account. 
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