WillisBack/dataset-financial-user-claim huggingface dataset:
On or about XXXX XXXX, 2014, my primary checking account with another banking institution was compromised. My checking account with XXXX XXXX XXXX XXXX was the primary linked account used to submit payments to USAA Credit Card services. I was then issued a new checking account number for security reasons. On or about XXXX XXXX, 2014, I updated USAA.com with the new checking account number while paying my current USAA credit card bill. At that time I was unaware that USAA.com failed to update my linked checking account number to the newly issued account number. The following month I attempted to make a payment in the amount of {$1000.00}. I was under the impression that this payment, like the last, was without issue. Each time that I had submitted the payment via XXXX, it was my understanding that the payment had processed. I was unaware of the error until logging onto USAA.com on third month to pay my USAA credit card bill and seeing a balance that did not match my personal recordkeeping. It was at that point that I realized that USAA.com failed to save my new checking account number issued to me by XXXX XXXX XXXX XXXX, and as a result, failed to process the previous XXXX payment attempts. 
I contacted USAA to discuss this issue and I had made my way to a senior account manager. This individual and I reviewed all of the relevant facts, including the associated credit card statements, which clearly showed the payment attempts that I had made during each month in question. This USAA representative was more than helpful at the time and I was told that this error would be " quite easy '' to have resolved. I followed the instructions given to me by that account representative exactly. I mailed in the " USAA Credit Dispute Form '' along with all of the documentation the USAA representative had identified was required. 
To my surprise, the response to my dispute was not the expected details of dispute resolution, but rather, I received a general letter stating that USAA had done an investigation and found that it is reporting events accurately. I take issue with USAA responding to the formal dispute with a general letter that failed to provide any reference to my particular issue, and furthermore, I find it appalling that my conversation with a senior account representative would be in direct contradiction to the final determination. 
I challenge USAA to conduct a proper review of my dispute. I am positive that if a proper review is conducted, and all relevant information is taken into account, USAA will recognize my dispute as valid and move quickly to clear it 's adverse credit reporting. I would like to remind USAA personnel addressing this complaint that all relevant information was previously submitted with the original dispute, and can also be found in the Online Banking records. I am hopeful that this complaint will convince USAA to do the right thing and conduct a proper review of my dispute, thereby avoiding the need for further escalation.
I was paying through Sallimae before it was moved to Navient, I recall that I was n't making any wages during that time and my loan interest suddenly increased the actual balance significantly without notice. The account was suppose to be on hold until I was able to find a job. Currently, I 'm paying {$660.00} every month without any consolidation for my income or any help from Navient to be able to make these payments easily. I almost have no savings due to this issue and with a very high interest rate. In addition, they would try to contact you regardless of your status and really want you make these ridiculous payments ( sound like collection agencies ).
On XXXX XXXX, XXXX I applied for a credit card ( XXXX XXXX ) with US Bank. I was notified by US Bank that they were unable to obtain my XXXX credit report. On XXXX XXXX, XXXX I contacted US Bank and informed the bank that my credit report with XXXX had been acquired after speaking directly with XXXX. I requested that US Bank withdraw my application. On XXXX XXXX, XXXX I went to a local US Bank branch and spoke with a banking XXXX who contacted US Bank 's XXXX department regarding several hard pull inquiries on my XXXX credit report by US Bank. On XXXX XXXX, XXXX I applied for a credit card ( XXXX XXXX ) with US Bank. I was notified by US Bank. I was notified by US Bank that they were unable to obtain my XXXX credit report. I contacted XXXX who indicated they US Bank was in fact provided my full XXXX credit report resulting in hard pull inquiries on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX in conjunction with these two credit card applications. XXXX stated that I would have to dispute the information directly with US Bank ; however, US Bank stated that I would have to initiate a dispute with XXXX. Unfortunately, XXXX does n't have a mechanism to dispute inquiries. I have made several attempts to resolve this with US Bank and XXXX to no avail.
I CALLED PORTFOLIO RECOVERY ACT TO SETTLE A BALANCE. THE CSR WAS VERY RUDE AND WHEN I ASKED HOW MUCH IT WAS GOING TO BE TO SETTLE, SHE STATED SOMETHING SIMILAR TO " WHY? YOU DONT HAVE THAT KIND OF MONEY '', " YOU COULDNT PAY THE MONTLY PAYMENT OF X $ ON YOUR CREDIT CARD, BUT YOU HAVE THE MONEY TO SETTLE ''? SHE WAS VERY RUDE AND WAS WORKING AGAINIST ME. I THEN TOLD HER I WOULD SEND THE MONEY TO XXXX AND SHE STATED THEY WILL SEND IT TO PORTFOLIO. THAT DAY I WAS CONTACTING XXXX DIFFRENT AGENCIES TO CLEAR UP MY DEBT, THE OTHER XXXX WORKED WITH ME AND THE DEBT IS NOW PAID. THIS DEBT IS STILL OUTSTANDING SINCE SHE WAS SO RUDE WITH ALL HER COMMENTS AND SLANDER THAT NOTHING WAS RESOLVED THAT DAY.
RE : Case ID # XXXX My name is XXXX XXXX, and I have had an account with Ebay and Paypal in excellent standing since early XXXX. On XXXX/XXXX/XXXX I received an email from Paypal stating the following : Hello XXXX XXXX, We have recently reviewed your PayPal account activity, and determined that you are in violation of PayPal 's Acceptable Use Policy regarding your sales / offers of jerseys on eBay, user ID : XXXX. 

As a result, your account has been permanently limited and this can not be appealed. 
So they suspended my account with {$10000.00}. They added in their email the funds will be frozen for 6 months. 
My Ebay account is still active and with 99 % excellent feedback, no open complaints, no chargeback 's, no returns. I still do not understand why Paypal chooses to close my account while Ebay chooses to keep it active. This is very incongruent. 
I have pleaded with XXXX different customer Service Reps to please review my case, since I have no problems with Ebay or vise versa. I keep getting copy and paste standard replies. 
I kept my funds from sales on Ebay with Paypal because Ebay automatically withdraws their monthly invoice fees from there. I also retrieve money from " My Wallet '' to pay for replenishing my goods and other business expenses, as well as living expenses. 
If I do not have access to my funds for 1 month I will have no way to take care of Payables and Expenses. 
If they want to suspend my account, I can live with that decision, however I can not support myself if they take and freeze my funds for 6 months for no proven reason. 
Please Help!
We did not receive notification that our escrow amount had been recalculated due to changes in local tax rates, etc. so our XXXX 2015 payment made XXXX XXXX, 2015 was {$140.00} below the new amount. After receiving a phone call from the company 's debt collection department on XXXX/XXXX/15 we promptly sent out the additional {$140.00} we owed via bill pay through our bank. We called to confirm receipt on XXXX/XXXX/15 and were assured that the problem had been corrected. We continued to receive debt collection calls on XXXX/XXXX/15 and XXXX/XXXX/15 despite believing that our account had been made current. During the call on XXXX/XXXX/15 it was determined that our original XX/XX/XXXX payment for the incorrect, too low amount had been applied to principle and our account continued to show that we needed to pay again to be current. The customer service agents said that they would submit a request to have the prior payment applied correctly for the XX/XX/XXXX monthly payment instead of principle and we were given a timeframe of 7-10 days for the process to be completed. On XXXX/XXXX/15 we received a letter in the mail dated XXXX/XXXX/15 stating that our account continues to be past due and that we would be reported to credit bureaus if we do not pay the outstanding balances immediately. Representatives from the customer service department on XXXX/XXXX/15 stated that the letter was sent due to the erroneously applied XX/XX/XXXX payment and that the timeframe for reversal of the payment and correction of the issue would now be 35 business days. They could not provide an explanation of why the new time frame was so different from the previous time frame. They state on the phone that we will not be charged late fees or have negative reports on our credit report, but we have no documentation of this or real assurance that this will actually be fixed.
I knew we were behind, and I 've been working my tail off to get caught up on our bills. So, on XXXX XXXX, XXXX I called Quicken to make a mortgage payment and was told at that time they needed " 2 '' payments. Well I only had one. So on my next payday, XXXX XXXX, my wife XXXX called to make a double payment and she was told they could n't accept two payments but would need the entire past due. Well, obviously we did n't have it. So Quicken sent me an " Application for Success ''! We filled it out and emailed it back, the guys name was XXXX XXXXXXXXXXXX. All this was done on XXXX/XXXX/XXXX. 
At XXXX on XXXX/XXXX/XXXX XXXX XXXX called me at home and said they need the entire amount past due and that we do n't qualify for any of their repayment programs. We 've surrendered a vehicle already, and will be the second one at the end of XXXX, XXXX. I wanted to make sure we had enough money to pay the regular mortgage payment plus the repayment amount. 
Now am told they will only accept the full past due amount.
an amount on my credit report which is not in my name nor have I had a history with this company
Open Road Lending has sent my application to XXXX XXXX regarding an auto loan I was trying to get refinanced without my consent. I am currently in a class action lawsuit with XXXX XXXX. Therefore, I am NOT interested in doing any business with XXXX XXXX. Also, XXXX XXXX has inquired on my credit which I did NOT authorize ... I have never even heard of that company before. I wish for these inquiries to be stricken from my credit report.
The account was opened on XX/XX/XXXX. I believe account was closed on XX/XX/XXXX. I got a derogatory mark on my credit report ( XXXX, XXXX, and XXXX ) stating that I had 120+ days late payments and that I owed a balance. I called the company immediately after noticing the derogatory marks when running my annual credit report. I had not received any prior notice for this debt. After speaking with the collection company I was told the letters were being sent to my old address. I paid the amount due in full and asked if I could have the item removed from my report. I would like that this derogatory mark is removed from all 3 credit bureaus. 

The balance is also incorrect and shows a high balance of {$1200.00} when the max on the card was {$1000.00}.
this is bill that originated after I went to the hospital ( which I was instructed by the VA to go to the nearest emergency room ). this was not a VA facility but like I said they instructed me to go.the VA has paid all of the other outstanding bills of this hospital dating back to XXXX/XXXX/2015 excluding this one bill. 
The reason the VA had not paid this certain bill is because they said that XXXX XXXX XXXX XXXX had not sent the necessary medical files. I have since been in contact with the VA and this company and now the VA has the correct paperwork and now it is back up for review and it should be paid within 60 days. but in the meantime this bill has been turned over to the collection agency and I have told them the situation and asked for a consideration to reset the time and they have refused
they repossessed my car after one late payment. they switched companies without my knowledge. it was blackhawk financial when i got my loan.it is currently XXXX XXXX XXXX i never got a notice of them changing names and numbers. i had no way of contacting them until i seen their name on my credit report 3 years later. i called when i got their information they said i owed about 4000 witch is  incorrect it was only around 1000. they sold the car to someone else for over what i owed. this is lowering my score. they never sent me the check of notification that the car was sold. they never gave me a chance to relieve my debt. they was very rude and uncooperative. they do not even have the original loan agreement. with my signature. they cant not validate my debt.
Equifax has failed to protect me as a consumer. I have filed several complaints as far back as the end of last year with equifax due to insertion on my credit report by XXXX XXXX. My rights have been violated and overlooked continually. Equifax has stalled on various occasions and waited far beyond 30-45 days to respond to me. I have repeatedly denied these accounts are mine and I sent equifax copies of my I 'd theft report and a police report copy showing that my items were vandalized. Equifax always reposnds with " item verified. '' This leaves me no recourse but to Pursue further her action as they have failed to delete this accounts by XXXX XXXX. These are not my accounts and equifax has continually reported these accounts falsely. 
Acts XXXX Acts XXXX
I have repeatedly requested a loan modification and I am being denied twice. I have appealed the last denial but have not received any response to my appeal. I have a foreclosure sale scheduled for XX/XX/2016 so time is very important. I feel Wells Fargo is not being helpful and seeking to time me out as they have a horrible history of doing. 

I am requesting a new loan modification review and a new pay off statement.
The information that has been report and posted to my credit, file by the credit bureaus, is not valid and not in compliance, per the Federal Fair Credit Reporting Act. 


YOUR COMPLAINT XXXX XXXX XXXX ( collection agency ) Original creditor ( XXXX XXXX ) I have no business transactions or any type of business relationship, with XXXX XXXX XXXX. I have no business dealings with this company and have never spoke with anyone, form this company. As for the original creditor ( XXXX XXXX ) I am not a member of their gym, I have never joined, the gym and there is no documentation or signed agreement, between my self and the company. This is not my account and it is showing on my credit account, wrongfully and illegally. XXXX ( Collection agency ) Has never contacted me regarding, this account and I have never done any business with this company. The original creditor is XXXX XXXX XXXX and I did visit the office. But, I did have insurance coverage. If there was a co pay due or any additional monies due, that wasn't covered by my insurance, I should have been given a bill, at the time of visit or at the very least, mailed out to me. I have never received any contact or bills forward to me. Therefore I had no knowledge of any outstanding monies. In addition, my insurance company, didn't notify me of me having a co pay of a portion of the bill that had to be covered my me. Therefore this debt is a error and if the debt is my portion of the bill, why wasn't I billed, so that the matter could be taken care of, in a timely fashion. There are guidelines in place, that require a notification period, before the medical debt can be place on the credit report. This was completely overlooked and not followed, as I have never received any notification, via phone, text, email or U.S. Postal service. XXXX XXXX ( collection agency ) the original creditor is ( XXXX XXXX ) I have never had any contact or transacted any business with XXXX XXXX  and the debt with XXXX XXXX, is not my account. I have lived at the same address for years and this cable bill does not belong to me. If some one has taken my personal information and opened a cable account, without my knowledge, I am not accountable for that account. XXXX XXXX doesn't have any documentation, where I have agreed to service or signed for service.
On Friday XXXX XXXX I signed on to the online banking to check my account when I noticed that my savings balance and available balance were XXXX different figures. I called the bank immediately and was told there was a court restraint on my account. I asked what this meant and I was given a collection agency to call XXXX to get assistance. I called the collection agency and was told they had a judgment against me from XX/XX/XXXX in my maiden name. I asked for some kind of information about this so I could check into it. The name is my maiden name and my address was wrong. All I was provided was the account was opened in XX/XX/XXXX and that the court awarded them a judgement in XX/XX/XXXX. This was the XXXX time I heard of this, I even asked if she was sure it was me and not my ex husband. She asked if I had an attorney to speak to which I did n't. They had put a hold on my savings account in the amount of {$1900.00} but the judgment I finally got a copy of shows the amount of {$1700.00} and there is actually due {$1300.00} but I was n't given anything to back up this claim. The agent explained that she will send a form to the bank for me to sign which will allow the bank to send them the money and release the hold on my account. She insisted I do this quickly because the hold will stay on my account and I wo n't be able to use my bank. I was so scared I went ahead and went to the bank to sign this form. I am curious though why the judgment had XXXX amounts on it and they took even more money. I have enclosed all the forms I have. 
Thank you
When i try to credit my american express blue cash credit card and other american express cards with my rewards dollars the reward dollar site page does not let me credit my account. Only when i call american express and complain they fix the problem right away and i can then credit my account. This happens about 50 % of the time i try to use my rewards dollars to credit my bill. I believe this is done to frustrate the card holder from requesting reward dollars credit. This occurred again today X/X/17. I am sure this is a common practice with american express card holders.
I filed a dispute with transunion. They did their investigation and came up with the conclusion that the old account was indeed mine. Ok that is fine. The problem with that was after that dispute my credit score went down 61 points. They said other things affected the credit score but on the report it says no new changes. The only thing i can see was when they  updated that dispute. called Transunion and they said nothing can be done.
I made purchases using American Expresses Blue for Business card. The marketing and online user interface communicate the option to use rewards points to make payments on " eligible purchases ''. Throughout my three year history, I attempted to " Use Points for Charges '' on their online system and received various restrictions and denies to use this advertised service. The system reported, various statements like : " There are no eligible charges for the time period you selected ''. Other times, the system said " The service is currently unavailable we're sorry for any inconvenience ''. 
When I called customer service to ask them to apply some of my available rewards points to my current remaining balance of {$13.00}, they said, " There are no eligible purchases to use points ''. They said this remaining balance is based on interest charges and you can't use points to make payments on this type of " charge ''. They chose to not retroactively adjust my account based on my previously paid eligible charges during my previous attempts to use the points for payments on the charge. 
They claimed no responsibility for the failed system online during the periods when the system should have allowed me to make payments using my existing rewards points. They showed no effort or acknowledgement that their system repeatedly failed to honor their rewards agreement. 

Additionally, when they market to the public : " Use Points to Make Payments '' they mislead them by not providing conditions of use statements with their advertisement. Within the terms they make clarifying comments like, " eligible purchases ''. In real life, their online system makes repeated failures during the appropriate condition for utilizing rewards for " eligible purchases ''. And, they communicate no intent to correct for system failures. 

Instead of honoring their agreement and acknowledging my past eligible purchases and attempts to use my rewards to make payments on my balance ; they denied responsibility for their online system performance and failed to honor the agreement of their terms. 

System logs will show when users experience error problems while logged in their account ; so, they are able to verify my actions. They showed no effort in attempting to consider my previous action and to make right on their terms of our agreement. This company blatantly misleads people to believe their " Charge '' is the same as their " Charges '' for " Eligible Purchases ''. This bait and switch tactic is unethical and not a fair business practice.
I want my lander to remove PMI from my mortgage, I already sent a written request to the lander but they dined.
I have sent Equifax multiple Debt validation letters and have received no response from them whatsoever. This is an itemized list of information That I have requested and have been denied my rights for this information from them. identifying the original creditor copy of the original contract with a wet signature and or electronic signature a copy of the contract between them and the original creditor proof of license or bonded complete transaction history proof within statute of limitations have you filed a judgment on these debts insurance claims amount of debt account number date debt became payable first date of delinquency amount collector paid for the debt I would like the information for the following collection accounts which they are currently reporting. XXXX XXXX XXXX XXXX XXXX
On X/X/17 I sent a certified letter to Equifax disputing the reporting of a bankruptcy on my credit report. FairCredit Reporting Act 623 ( a ) ( 3 )  provides that the credit bureau must verify all information reported with the ORIGINAL creditor. US Federal Bankruptcy court does not report to any credit bureau nor will they verify that information is accurate. The credit bureaus Use of a 3rd party, and claiming verification is not only false it violates Fair Credit Reporting Act 623 ( a ) ( 3 ).

Equifax received my letter on X/X/17. 
On XX/X/17 I reviewed my Equifax credit report and the Bankruptcy Remains. 
On XXXX I received a letter from U.S. Bankruptcy Court, Eastern District of XXXX stating that the court does not report any  information to any credit agency. 
On XX/XX/17 I sent a certified letter to Equifax again showing proof in the form of the letter from the bankruptcy court, and therefore they must remove this bankruptcy from my credit report. 
Equifax received my letter on XX/X/17 On XX/X/17 I again reviewed my credit report verifying that Equifax has not removed the bankruptcy from my credit report in violation of the Fair Credit Reporting Act.