WillisBack/dataset-financial-user-claim huggingface dataset:
For many years, my former husband and I had insurance and a joint credit card with USAA Federal Savings Bank. We separated in XX/XX/XXXX. Prior to our separation, we never carried a balance of more than a XXXX dollars on our credit cards. During the separation, USAA required us to have SEPARATE accounts for our insurance -- so they knew we were separated. My former husband testified under oath that he had closed all joint accounts. Several months AFTER our divorce was final in XX/XX/XXXX, when I applying for a mortgage, I learned that the account was still active and had a balance of over {$9000.00}. ( I later learned that, after the divorce, my former husband had transferred that amount from another card in his own name. ) I wrote multiple letters to USAA, requesting information re this account and sent them copies of court documents re my former husbands statements. USAA refused to send me any information re this account. 
Soon after that, USAA sent me statements for {$5000.00} -- -under a new account with a new account number and in my name alone! USAA had their agents calling me multiple times a day but continued to refuse to send me any information re the initial account or how they had come to assign me to a new account. I hired an attorney who filed subpoenas for all documents r/t both USAA accounts. USAA refused to comply with the subpoenas. They are based in XXXX and I lived in XXXX. They are a huge conglomerate and I am one individual. My attorney advised me to ignore their requests for payment. That amount went into collections and was eventually cancelled. The cancelled amount was then considered as income by the federal government and I was required to pay federal taxes on it. After many years, the notation re that account was removed from my credit history and, as it was prior to USAA 's unethical and possibly illegal practices, my credit was excellent. Since that time, I have disposed of most of the records r/t this issue. Although, if needed, I could contact the attorney who worked for me on the case. 
Throughout this entire time, I kept my home and auto insurance with USAA. They never told me there was a problem or that I was considered a " restricted customer ''. I bought a car in XX/XX/XXXX and they were happy to insure it. 
I am in the process of buying a new home and called USAA to get a homeowners policy. However, after 12 + years of being a good customer, they are telling me that they can not offer me any more insurance products -- -UNLESS I pay off the disputed balance of that USAA Savings Bank credit card. Considering the facts that that debt was written off and I had to pay federal taxes on that amount, I think that is ridiculous, unfair and poor business practice. I hope it is illegal.
I requested and received a credit report from Transunion in   XX/XX/XXXX   and discovered that it did not list a long standing (  XX/XX/XXXX  )   XXXX   XXXX   XXXX   Credit card, which had previously been listed. I called Transunion and was told that it was up to   XXXX   XXXX   XXXX   to report the account. I then contacted   XXXX   XXXX   XXXX   regarding the problem and they created a case and said they would investigate. I received monthly letters from them saying they were still working on the issue until   XX/XX/XXXX   when I received the attached letter (   XXXX   XXXX   XXXX   Case Response ) in which they stated that Transunion informed them they were unable to reinstate the account. I then contacted Transunion and, after multiple attempts, was told that I should have   XXXX   XXXX   XXXX   contact their Marketing Department. I then contacted   XXXX   XXXX   XXXX   and was told that they had contacted Transunion multiple times and were unable to get them to add the account. They said Transunion told them it was because of their " purge regulations ''. They also said that they are reporting the account to Transunion monthly, but that they refuse to accept it. I then contacted the WA  AG office an d filed a Complaint, a copy of the context is attached ( Information Provided to Wa  State AG ). I r eceived a response from Transunion, a copy of which is attached ( TransUnion response to WA AG complaint ). They state that they only report information verified by the creditor and that information has not been verified. That is obviously in direct contradiction to the information I received from   XXXX   XXXX   XXXX    I did receive the credit report referenced in their response and it still does not show the   XXXX   XXXX   XXXX   credit card although it does include a   XXXX   XXXX   XXXX   HELOC.
I owe a {$140.00} balance, Ally Financial called 24 times in a row.
I recently contacted experian to dispute XXXX identical accounts on my credit report from XXXX and XXXX. The investigation took less than a week and it can back as updated. When I looked at the date of account reported to the credit bureau, it went from XX/XX/XXXX to now XX/XX/XXXX after I made a dispute. I sent a letter of validation to Lustig, Glaser and Wilson asking them to validate that I owe the debt on XX/XX/XXXX. They have not responded or validated that I owe such debt as of yet. XXXX, I believe is a fraudulent collection agency that works under several alias such as Lustig, Glaser and Wilson and several others. I do not believe that this account is mine. I also do not understand how XXXX different agencies are collecting and reporting for XXXX account. I highly doubt that what they are doing is legal and would like the Consumer Financial Protection Bureau to look into it. Thank you.
I contacted Citimortgage previously about their collecting property insurance and taxes on the alleged mortgage for account. I called once again and spoke to citimortgage representative XXXX ID # XXXX and asked informed her that Property Taxes and Insurance was my responsiblity to pay and NOT citimortgage. The representative said it was their responsibility to escrow taxes and insurance. This among other major problems exist with this alleged account. This collection of insurance and taxes is one of many. I have a written document from Citimortgage CONTRARY to what the representative explained. It is the " HAMP modification from Citimortgage dated XX/XX/2010 original document. This is clearly a BREACH by Citimortgage as I have previously stated I did address this problem in XX/XX/2010 but as usual it went ignored and citimortgage refused to STOP collecting taxes and insurance from me via escrow in this alleged mortgage. 
See documentation that I have included in this complaint. See paragraph 4 ADDITIONAL AGREEMENTS letters C and D of the Multistate Home Affordable Modification Agreement
I agreed to a XXXX XXXX Payment Schedule dated XXXX XXXX, 2002 showing an interest rate of 3.46 % with a principal balance of {$41000.00}. A few years later XXXX XXXX started repeatedly contacting me via letters and phone calls claiming that I needed to consolidate my loans in order to " lock in '' my low interest rate. I was told if I did n't consolidate then my interest rate would increase. I agreed to consolidate on the terms that my interest rate would DECREASE to 2.875 % per their letter. I never received any paperwork from this consolidation. Nothing to sign or read. I have since learned that XXXX XXXX INCREASED my interest rate from 3.56 % to 5.375 %. I NEVER AGREED TO THIS! My loan terms were fraudulently changed. XXXX XXXX deceptively changed my interest rate at the time of consolidation. Their own letter says my rates will decrease, not increase. I contacted them via telephone and writing but they merely state the interest rates are set by the government and I agreed to this change at the time of consolidation. They told me to call XXXX if I suspected fraud was involved. I contacted that number to file a fraud claim but they said I ca n't and there is no way to file a fraud claim. Their own letter said that was the fraud department. Where and how do I file a fraud claim against XXXX XXXX?
I was offered a gift card of {$120.00} with approval for XXXX XXXX XXXX American Express credit card. I got an email with approval but have not received my {$120.00} gift card. Have tried speaking to both XXXX customer service and American Express customer service. They are giving me a run around. Have been on the phone for an hour today and a few minutes yesterday.
JPL Recovery Solutions. Told them to stop calling, they threatened to call my works payroll department and that I would be in for a rude awakening. Abusive and rude. Called me, my mom, my dad, my sister, my brother, and my girlfriend. Did not let me speak. Continued to talk and intimidate me and threaten legal action. Wanted to collect credit or debit card info to repay debt. Predatory.
LexisNexis is reporting a Chapter XXXX bankruptcy on my credit report without authorization from the XXXX XXXX XXXX XXXX XXXX XXXX it myself. I have submitted multiple dispute to them and provided documentation from the courts advising that they do not report bankruptcies to credit agencies. They still refuse to have it removed from my credit even after this documentation has been provided.
This group called XXXX XXXX XXXX often calls me on my office line and asks about debt repayment based on my name " XXXX XXXX ''. They ask for personal information and I tell them I ca n't give them that. Then they ask me " Do you live on so-and-so street '' or " Does your SSN end with **** '' and it 's not even close to anything remotely resembling me. I mention it, and they say they will remove my name from the list, and then again in a few weeks I get the same call - clearly they do n't remove the name. I 've even told them they are harrassing me. We do n't have any outstanding debt ( mortgage etc ) that we 're not already paying off monthly - our credit rating is top-notch, so right off the bat this sounds like a phishing website. They ask me to call back XXXX.
This company Pressler, Felt and warshaw sent me court papers of a judgement made, in a court, I never recieved any prior paper worker to come to any court hearing. Now I just recieved another set of paper work that my check would be garnished. For XXXX a week.
In XX/XX/XXXX, I defaulted on my auto loan, held with XXXX XXXX. A few years later ( XX/XX/XXXX ), I decided to purchase a home. At that time, I had to satisfy the debt in order to obtain a mortgage. At that point the debt was held by Pinnacle Credit Services and was represented by XXXX XXXX XXXX. I have cancelled check and satisfaction letter from XXXX XXXX XXXX to prove the debt was satisfied. However, the original lien holder, XXXX XXXX, was not listed on any of the documentation ... only Pinnacle was listed. XXXX XXXX XXXX closed the account and sent it back to Pinnacle and they claim they reported it as paid. Pinnacle then re-sold the debt a year later to XXXX XXXX XXXX. XXXX XXXX XXXX, represented by XXXX XXXX XXXX sued me in court for the same debt that I already satisfied. I contacted all three companies to get them to communicate that I paid it. I even sent satisfaction letter to XXXX 's Attorneys, XXXX XXXX XXXX. They still proceeded with the judgment hearing even though I tried to clear it up before it went to court. I could not attend the judgment hearing because of my schedule and the judgment was filed against me. I have contacted Pinnacle Credit and they will not let me speak to a manager or compliance department as they claim they only buy and sell debt. They violated the Fair Debt Collection Practices Act by re-selling a debt I settled on. I have contacted an attorney about trying to get the judgment vacated locally but the paperwork I have says I paid off Pinnacle Credit, not XXXX XXXX. I have an excellent paper trail, including an old credit report which affiliates the XXXX XXXX debt with Pinnacle at that time. I am being haunted by a debt that is not only 15 years old, but a debt that I satisfied and this is very frustrating for me. Now, a new debt collector has purchased this debt, XXXX XXXX XXXX XXXX. The debt automatically becomes a lien on my home and that is very upsetting as well. I would be extremely grateful if anyone can help me with this. As I understand it, Pinnacle Credit has been banned from collecting debts by the FTC, I think I understand why. Is there anything I can do to resolve this? I contacted Pinnacle Credit Services numerous times to resolve this issue and they are unresponsive. They will not let me speak to a manager or compliance department. They will only tell me they sold the debt and are not responsible. I will also be contacting the Attorney General in my state and am considering suing Pinnacle Credit Services in State Court if it must come to that. I will not rest until this matter is resolved.
Caliber Home Loans has refused to deal with me regarding my mortgage loan delinquency and impending foreclosure. I have been trying to get Caliber to provide me with assistance on our home mortgage, but they have turned their backs on our situation and we are going to end up losing our home through foreclosure if things keep going this way. My wife and I went through some very difficult times in our relationship and ended up separating. During this time we fell behind on our mortgage and were not able to get things back on track quickly. Fortunately, we are back on our feet and can now afford the mortgage payment. However, when I attempted to work with Caliber, they simply ignored my requests for assistance and now I am in a situation where we may lose our home through foreclosure. I have XXXX young daughters and nowhere to go if we are kicked into the streets. Our backs were against the wall and the agents at Caliber couldn't care less. 

We have asked for a loan modification but it seems they can not get their process together well enough for us to finish the process. I would even take a forbearance agreement to give my family a chance to get caught up, but Caliber has closed the door on that option. I have tried repeatedly to get Caliber to provide us with a solution through a modification, but they are refusing to open a review for assistance. We believe that we have the right to have our loan reviewed for retention options and to obtain a mortgage statement. Their representatives just want to get us off the phone and will engage in discussions to save our home, even though our mortgage loan clearly qualifies for a modification based on the government guidelines. We have never had a single point of contact and we are very frustrated. The end result appears that we will just lose our home through foreclosure unless you can step on and ensure that they service our loan properly. Your agency has made the parameters of loan servicing very clear and we refuse to lose our home through foreclosure because Caliber is failing to properly review our loan for assistance.
XXXX Credit Bureau showed gross negligence in security of my and 145 million Americans as shown by a security breach in XX/XX/XXXX. XXXX took six weeks to announce a security breach had taken place, in which time three XXXX executives, XXXX XXXX, XXXX XXXX, and XXXX XXXX sold nearly XXXX XXXX dollars in stock of the company. After XXXX announced in XX/XX/XXXX that 145 million Americans had their dates of birth, social security numbers, names, driver 's licenses, and addresses compromised, no solution was provided for those affected. This information is highly sensitive and the leaking of said information is devastating. This leak could also have been prevented, as XXXX was notified in a report by Homeland Security there was a major flaw in the security of their website. This was a devastating, preventable disaster and XXXX is entirely responsible for the breach of XX/XX/XXXX.
We were working with XXXX regarding a loan modification, during the process the account was transferred to XXXX XXXX. The modification did not go through. We had been working with XXXX since XX/XX/XXXX trying to get a modification only to be turned down or to be offered such a large mortgage that we could not afford it. We received a notice XX/XX/XXXX that informed us that our home will be sold XX/XX/XXXX.

We need help and direction please.
Tax lien has incorrect amount report and this has paid in full. I also talked to the courts and they do n't report anything to the credit agencies. I would like this to be removed from my Equifax and XXXX credit files. Agencies keep saying verified after one day of investigation.
This is regarding the charge back dispute filed with the Capital One. The dispute amount is {$840.00}. The case # is XXXX. On XX/XX/2016, Capital One issued a refund check in the amount of {$840.00}. On XX/XX/2016, XXXX., I inquired with Capital One Dispute department to see what is the reason for issuing the credit refund and it is okay to cash the check. The agent contacted its Customer Relations Department to check the reason why the check was issued and she discovered that the Merchant failed to respond ( " representment '' ) within 45-48 days per visa guideline. Now that the Merchant responded with non-conforming evidence ( completely irrelevant documents ) after the 48 days of my initial filing date, Captial One rebilled {$840.00} to my account and imposed late fees without mailing me the billing statements. I called and complained to Capital One, however they are telling me now that the case is closed and I must pay the credit refund. Capital One violated my rights as a consumer by failing to exercise their duties to investigate the charge back documents NOR abide by the Visa chargeback guidelines, State and Federal Laws. The Dispute Department at Capital One are not equipped with knowledge of visa dispute guideline nor knowledge of law regard to the disputes/chargeback. Please help me resolve this issue with Capital One to vindicate my rights.
I HAVE CONTACTED XXXX XXXX AND THEY TOLD ME THAT ANYONE CAN GET A POLICE REPORT AND FILE A CLAIM. SHE MADE IT SEEM THAT REGARDLESS IF I DID AN IDENTITY THEFT THEY WOULD STILL LEAVE IT ON MY REPORT BECAUSE THE CLAIM THEY HAVE ALL MY INFORMATION
I believe that my Lender has wrongfully foreclosed on my property. My loan was audited, and it was determined that it fell under the predatory loan. Although we hired an Attorney to fight the foreclosure, in the end the Lender was able to get a foreclosure Judgement. I believe that the Lender did not have the original note. Additionally, we made several request for a loan modification, and was told that we did not qualify for Hamp because our loan was a private investor loan. ( investor being XXXX XXXX ) The Lender forced placed insurance which is 5 times more that what we were paying on the original loan. which makes it very hard to afford any type of payment. I am hoping that something can be done to help us keep our home. We have gross income of {$8600.00}, per month, our home is worth approx. XXXX, our loan amount is currently at {$560000.00}. Please help, we have a sale date of XXXX XXXX 2015. We have exhausted every avenue and do n't know where to turn to. We would consider any offer from the lender to remedy the situation rather than foreclose. Please HELP.
I got a loan from Sallie Mae ( XXXX ) to cover my college expenses over a 4year period. I have fallen behind and unable to make my payments on time. I have expressed this to Sallie Mae resolution representative on numerous occasions. Moreover my interest is building my overall loan total to a substantial amount. My loan is now over {$120000.00}. They want me to increase my payments to {$1000.00} a month but I am unable to because I can barely make the {$200.00} per month I am paying in interest. They continuously call me even after I have expressed to them that I am unable to make payments on a temporary part time job. I recently graduated in XX/XX/2016 and I also got evicted. I have looked for jobs in my field ( XXXX XXXX ) but I am unable to find any because I am not a XXXX. For the majority of government jobs I have to be a citizen and I am only a XXXX.
Macys continues to add additional false information to my credit report. I had asked for verficaiton of the debt they said I owed. They then added additional negative marks on my credit report. Macys claims my account was charged off in XXXX XXXX but they have recently reported over 5 times in XX/XX/XXXX that the account was re charged off. 

I have disputed these facts with the XXXX credit bureaus and they say Macy 's confirmed and verified that they charged off the account all of these 5 times in XX/XX/XXXX, which is false and in violation of the Fair Credit Reporting Act and Fair Debt Collection Practices rights. 
15 U.S.C. 1681s ( a ) ( 1
I had a line of credit with this company and went to close the account about XXXX months ago at the branch I applied for the credit at. I had a balance of about {$5.00} at the time due to a previous bank error with a different bank. I wanted to pay the deficient balance but wass told not to worry about it. I was told they would wave this fee and that my account would be closed. Today I received a letter in the mail advising me my account was over XXXX days past due. I called the XXXX number listed and was informed that the local branches can not close the account and that there was no attempt to credit my account the deficient balance as previously stated. I was not informed of this at the branch I went to. I did not even receive any phone calls or any other letters at any point to inform me my account was approaching XXXX days past due.
I got the letter from the underwriters that they are rejecting my application for a mortgage refinance to 3.7 %. XXXX XXXX one of the VP 's solicited my wife and myself over a 18 months ago to refinance at a lower rate, now that interest rates are going up I feel this is just a flimsy excuse to get me to go somewhere else since you no longer want to carry paper at 3.7 %. XXXX XXXX like XXXX XXXX misled me on the qualifications for going with a VA loan, the qualifications are almost identical, in many cases even easier under VA government backed loan. This XXXX about a blue tarp on my roof and a XXXX that never hit XXXX Florida ( I live in XXXX Florida XXXX miles from hurricane XXXX center ) is just smoke used by your underwriters to deny me a loan, probably because of my age. Like I have told you more than 5 or 6 times, the tarp was put on my roof by a company for preventative purposes, no change or damage since I am going after my insurance company for raising my rates. I also feel my application was rejected because I filed a complaint with FTC because Suntrust has not been truthful with me about processing my loan and eligibility with VA loan which I earned with not only XXXX years of service, but XXXX long months in the XXXX while many of you were setting home on your XXXX safe and sound while we were doing the heavy lifting. Now remember Suntrust solicited me to refinance I did not solicit Suntrust, I have put in over a year and a half of time and effort in trying to secure a loan on a property that is only borrowing less than 40 % to equity and all other qualifying factors, debt to equity XXXX scores that average almost XXXX fall under guidelines for approval under any other company who offers mortgages. As a matter of fact I have lost the ability now to seek out a better rate because you are too cheap or too lazy to re-evaluate my roof, I provided the appraisal at my expense as you required, now I would like to have my money back, and money for inconveniencing me for more than a year and a half would only be fair. When I first came to you I asked you to lock me in at 3.5 % which was prevailing rate at the time in XXXX 2016, you failed to do that. I later agreed to except the 3.7 % to move things along. I had already been approved by XXXX XXXX at XXXX all the way back in XXXX 2016 and declined because I thought it might be better to stay with the mortgage company I had been with for over 20 years, 20 years I never missed a payment. You know what is even more all the bad loans and assets your XXXX based bank wrote, all the TARP money you borrowed at the tax payers expense, you just simply go back to the well and the XXXX with the customers like my wife and myself who have been customers for over 20 years get jerked around this is nothing short of perplexing, downright evil.