WillisBack/dataset-financial-user-claim huggingface dataset:
Hello Consumer Financial Protection Bureau, I am an XXXX XXXX veteran currently serving in the CA XXXX XXXX XXXX and prior USAA member who has had USAA products and services in the past, such as mortgage loans, auto insurance, credit cards, checking/savings accounts, and auto loans ; all of which were in good standing. USAA stated that I could no longer be a member after a homeowner 's insurance claim was denied over the theft of personal property from my home. On XXXX, I won a judgement in small claims court against USAA for failing to make me whole ( please see enclosed ) and I was found to have no wrong-doing, however, USAA has maintained that I " misrepresented information. '' Prior to this scenario, I was a happy USAA member for many years and had satisfactorily used USAA products and services without discrimination. I am hoping that USAA will reconsider with forgiveness and mercy so that my eligible family and I can become members going forward. I am requesting to be a USAA member once again with the same membership rights privileges, and nancial resources afforded to other XXXX veterans. I am asking for your help in forwarding this written request to USAA since they have ignored my fax, emails, and written letter. I have high hopes that USAA will consider the USAA XXXX " We stand by you. USAA is dedicated to serving XXXX members and their families by offering more benets than any other major nancial service provider. '' Kindest regards, XXXX XXXX Member # XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
I ordered a payoff on XXXX and the company has not provided within the required XXXX business days.
On XX/XX/XXXX I received a phone call from XXXX who services XXXX XXXX XXXX   saying that I had not made a payment for XX/XX/XXXX. I had in fact made my payment and the check had already cleared my bank account. My amount stated on my statement was {$XXXX}. I wrote a check for {$XXXX}. Upon talking to the representative he said I needed to have paid {$XXXX} and that the statement was misprinted. I told him I did not have the money at that time because I had not budgeted for an extra {$XXXX} ( and change ) to come out. I was then transferred to the collections dept to which a very unfriendly lady told me that the mistake was made due to my escrow funds being incorrect and that she would resubmit for it to be reanalyzed but if it went past the XXXX of the month I would still be reported to the credit report bureau even though the mistake was on their part. Approximately XXXX mins later the company XXXX XXXX XXXX calls back to let me know more specifically what happened. The supervisor I spoke with said that when I made an escrow payment of {$XXXX} back in late XXXX they did not apply the fund correctly to my escrow account and held that money a separate suspense account. She said so then my mortgage monthly statement was printed and printed incorrectly. She said once they realized the mistake they started calling today XXXX XX/XX/XXXX ) to get the remaining amount of money due to them. I told her that I had been told {$XXXX0} was my new monthly payment. She stated it was incorrect and if I did not pay them the additional $ XXXX I would be reported to the credit bureau. I stated " if the mistake had not been made in the first place then the proper amount could have been budgeted and submitted. '' This is not the first mistake this company has made with me. Last year XXXX they claimed I never made a payment in XXXX to which I spent countless hours having to prove I paid it and paid on time. The made a mistake on my escrow at the end of XXXX stating that my house was not Homestead Exempt and I owed {$XXXX} additional to them to which later they told me was a mistake on their part and my house was and had been homestead exempt all along ; however, I would not be receiving a check back because " I live in a city with high taxes '' XXXX quoted from their company ). I told them on XX/XX/XXXX I was called and told a refund check was being processed and sent to me for the escrow mistake and overage. Today when speaking with them in regards to this matter as well as the prior matter they said in XX/XX/XXXX they reanalyzed my taxes and decided my escrow amount was still short by {XXXX} and that I would not receive a refund check and that they would need more money from me for escrow. My taxes in XXXX were no where near that amount for some reason in XXXX they were over {$XXXX}. When talking to my tax office here my taxes should have only been {$XXXX}. I also live in a small home that does not appraise for greater than {$2XXXX} so it does not add up why so much was needed in my escrow account nor will they send me a print out of it NOR will they allow me to speak to anyone in the escrow dept when I ask. I was told they do not take incoming calls.
I am continuing to have problems with GM Financial. Now I have applied for a home equity line and XXXX XXXX is stating I have a GM account being reported still late. I do not have two accounts - Acct XXXX has been straightened out - but GM is saying I have late payments on another account from XX/XX/XXXX - Acct XXXX - was a XXXX XXXX I traded in for in for the XXXX XXXX ( acct XXXX ) - I do not own the other XXXX - ( XXXX XXXX, XXXX XXXX, XXXX, Oh XXXX ) took possession of the car when I leased the XX/XX/2018. My mortgage credit report still has inaccurate information on it and it is keeping us from taking care of our financial statements. This is absolutely ridiuculous that I am still paying the price ( 5 months ) for GMs XXXX up. I want my financial statement as well as my husbands to be no longer affected by GMs terrible service. I want it taken care of immediately, so that any one who we apply for credit through knows we are not deadbeats! 


XXXX previous dispute # XXXX
SourceRM is representing XXXX for an alleged debt they say that I owe. SourceRM failed to provide the Oral Agreement, transcript, that I had with XXXX. XXXX Breached its contract and that Breach resulted in the alleged debt of {$470.00}. 

On dozens of occasions, orally and in writing, I tried to settle this debt to avoid the horrible tactic of this collection agency. They will not remove this inquiry from my credit file and evasively try to get me to pay the debt without removing the alleged debt from my credit file. To be clear, I do not acknowledge the debt and I am merely trying to pay this to debt because it is costing my a lot of money in excessive interest charges from potential lenders. 

SourceRM is not operating in accordance with the Fair Credit Reporting Act. As a result of my contentment and possible upcoming legal action, SourceRM is in the process of selling off this debt to wash their hands of the debt vice closing the debt. This company practices and ethics are unethical and a violation of my rights. 

Additionally, one Credit Reporting Agency has already removed this debt from my credit file but 2 others are pending. 

SourceRm XXXX XXXX XXXX, XXXX XXXX XXXX, North Carolina XXXX XXXX
In XXXX XXXX offered to help with payments by decreasing the interest rate & I would pay a set amount. I setup automated payments on their website which was fine. Credit report shows payments being 30 days late when I do not believe they were. In XXXX I continued to make payments in accordance with their terms although in XX/XX/XXXX they reported I made no payment when in fact they debited my checking account. I believe this little posting error led up to me not meeting the conditions set forth & allowed them to get out of this contract to pay up my balance at a lower interest rate but not have any revolving credit. I tried in XXXX to make a catch-up payment but they had already selected my account for collections but I had not yet been contacted by the collection agency. This company has made thousands of dollars from me in interest charges but yet did not offer me any loyalty to eventually pay off my debt. It was easier for them to write me off. In the final days of my account they show me as up to 180 late yet I was still on their reduced payment plan. My credit was hurt from this.
On XX/XX/18, i received an email from XXXX stating there was a change made to my credit score. Upon review of this information, there was a suspicious inquiry made with XXXX on XX/XX/18 in an attempt to open an account in my name. This is a fradualent account and this inquiry has lowered my credit score. A phone number ( XXXX ) was also added to my credit report and this number does not belong to me.
Hello this is regard to XXXX and there attempts to collect on a debt that has been paid. We discontinued service with XXXX in XX/XX/2016. They could n't get our billing correct so we parted ways. We have sent back all XXXX receivers and they continue to bill us for a unknown large amount that we do not owe. 
We paid the XXXX $ that we setup in XX/XX/2016. They never applied the payment and said they had a problem with there system. It is now in collections and we need it removed. I am attaching XXXX pdf files. XXXX shows that the payment came out of our bank account on our bank statement out of our business account. The XXXX shows a confirmation email from XXXX showing that we did have the payment scheduled and what I say is true.
I previously filed a complaint under " bank issues '' but since it 's a Credit Union apparently it does n't fall under that scope. The NCUA was notified but they have n't done anything. Since XXXX XXXX XXXX XXXX is now harming my credit with their incorrect reporting, I figure it 's best to file a complaint under Credit Reporting. Hopefully this works. 
I decided to switch banks from XXXX XXXX XXXX XXXX ( XXXX ) after getting married and open an account with my husband elsewhere. I did the responsible thing and took several months before actually closing the account, to make sure all pending transactions and automated withdrawals were completed. At some point I received a letter from XXXX stating that the account was negative. I sent a check immediately, along with a signed letter requesting that the account be closed. 

They cashed the check and I assumed the account had been closed. I did some research last month and found a copy of the check dated XX/XX/2014. It 's enclosed as an attached document. 

Following my request for it to be closed, I did not receive any statements or anything from XXXX, so I never thought anything of this, until earlier this year. 

For some reason, I received a letter from a collection agency claiming that I owed XXXX {$48.00}. I sent a response asking how this could be accurate, given that the account was closed years ago. They sent over information stating that a XXXX transaction attempted to go through, and thus the {$48.00} was overdraft fees ( although the transaction was declined ). Of course, had the account been closed like it was supposed to be, there would be no issue here. Apparently it never was closed, despite my written request. 

Fast forward to a few weeks ago when I noticed a negative item on my credit report in the amount of {$90.00} ( magically increased from {$48.00}, apparently ) from XXXX. 

Had they closed the account like they were supposed to, none of this would have happened. It 's not my debt. It 's their error. It needs to be removed from my credit report as this is having a substantial impact on my credit report. 

Any assistance you can provide would be greatly appreciated. Thank you!
Writing to this company last XX/XX/XXXX is not useful. I have disputed several items incorrectly reported on my credit report. The item such as Bankruptcy which I verified with the court has been dismissed last XX/XX/XXXX and this company claims it was verified. This must be taken care immediately. Alo, there are still items listed on the attached copy of the letter I sent this company that is reporting inaccurate and incorrect pieces of information such as the highest balance, account opened date, status, payment history which does n't seem to have been investigated. There is also item such XXXX XXXX which has been removed by the other bureaus and this company refuses to remove.
I received a letter from Citi-Mortgage concerning a refund check of XXXX cents that was supposed to be mailed to me in XX/XX/XXXX has yet to be mailed to my place of residence. 

Also I spoke with Citi-Mortgage in XX/XX/XXXX and a customer service agent told me the check was mailed on XX/XX/XXXX they continue to give me the run around concerning the check please help resolve the matter. 


I will attach the letter to my complaint Thank You XXXX XXXX
Mortgage company did not pay homeowner 's insurance. My insurance payment was due XXXX/XXXX/16. I 've sent several emails to this company and have not received a response. Today i spoke with a representative and she stated i am supposed to pay my own insurance, however my HUD settlement states the extra amount paid into my escrow account is to cover homeowner 's insurance and property taxes. I sent this HUD settlement to thema gain today. She said they will get back to me by XXXX XXXX but my insurance is already far past due. I 've attached a copy of the insurance billing that shows it was billed to mortgagee. HUD settlement is also attached ( PASSWORD IS XXXX ) on page XXXX shows that homeowner 's insurance is included in the escrow payment and mortgagee is responsible for paymet.
I have asked this company multiple times in letters going back from last year to verify that these accounts are mine and to send me proof that i owe them the money they are asking. they have not been able to do so.
Title 15 US Code Fair Debt Collection Practices Act. XXXX XXXX knowingly sent a debt that is not owed to them to collections resulting in the matter being placed on my credit report. 

When I found the item on my credit report. I started investigating, I called the college first then Cedar Collections. I was met with a rude and harassing debt collector who failed to use mini Miranda, failed to properly verify identity of consumer. Instead of having me confirm id, the collector asked closed ended questions, to which I answered yes or no. My information was released then I was offered the ability to affirm. ( Privacy - possible Violation Oxley Act definitely a violation of the FDCPA Fair Debt Collections Practices Act when the Collections Agent from Cedar called me back within 1 hour of the call I made to them. The collector immediately started a conversation with me without confirming identity. I asked what his purpose of calling was except to harass me and I pointed out that we just spoke and to call an alledged debtor back within 24 hours is a violation of FDCPA. I told the agent it was not a valid debt for many reasons, the class was dropped and I was locked out within the first week of classes due to financial aid not lining up as expected. So the college is trying to get paid for a product they did not provide and the collection agency is using a citation on the credit report to threaten a consumer. Extortion, Possible multiple violations of US Codified Law US Code 15 FDCPA and FCRA Harassment. Even after I started speaking with the recovery agent I gave great detail the issues surrounding the matter The agent implied I was lying making statements such as " Well, that 's not typically what happens, sir. '' was the response more then once. So there was an implication that I was lying. A debt collector can not legally use phrases like this, I felt very harassed. If this company has recordings like it should, then this is recorded. I mentioned the matter should be sent back to the client and I never received a XXXX or docket letter from this company. I had to 90 day period of time to dispute. I am discussing this matter with an attorney. I received an email from the college informing me to dispute this matter with the collection agency. I did verbally I should not have to do anything else. I just had a XXXX and I can document that I believe my XXXX was brought on in part due to this..
1ST NATIONAL BANK OF OMAHA Knowingly report inaccurate information refuse to comply with multiple request to verify account
***This is not a duplicate***This case is pertaining the harm NationStar has caused by not securing my account as requested, Yet the lack of support to clear the harm that they allowed by a lack of security on my account. 

I have provided evidence ( which were provided to me by NationStar ) that there were fraud activities caused on this account, yet NationStar response with a generic response that they performed an " investigation '' and that the fraud activities on this account did not accord. They provided the evidence on the XXXX documents that they provided. There are also other evidence, but NationStar refuses to provide those documents to me. Yet, NationStar refuses to clear the harm by removing the negative delinquents remarks on my credit file caused out of fraud activities. It is repetitive their routine of doing an investigation and providing the same responses without looking into their investigation. Yet the damages are still not cleared. 

This has caused harm to me. 

Attached are : -A forfeit letter written by my tenant XXXX XXXX XXXX The number on this letter is XXXX XXXX 's cell phone number and it was faxed from her job. This letter was not written by me nor did I grant authorization to my account to no one. Someone pretending to be me, writing a letter as if she was me is Identity Theft and considered as Fraud. This document was given to me by NationStar and it 's on their archives. 
- A loan modification. This was done by XXXX XXXX as well by contacting the " Making Home Affordable '' department at NationStar. This was done with NationStar lack of security which allowed someone other than me to make a modification to my loan. If you reference page XXXX, This was fax by XXXX XXXX from her place of work. Again, forfeiting my signature and pretending to be me is Fraud. This document was also given to me by NationStar and it 's on their archives. 
-Federal Trade Commission Identity Theft-XXXX County Police Department reportDue to a lack of security, NationStar allowed someone to gain authorization and compromise my account and cause harm to me and my credit. She was able to change my contact information to her contact information and then go delinquent on the account. 

This was done without my awareness or consent, and it 's now causing harm to me and my credit. Fraud Activities were caused on my account and I need the harm caused removed from my credit files.
I am writing to inform you that XXXX XXXX payment history is inaccurate information on my credit report. I am requesting that you deleted the account off my credit report.
I do n't expect you will be able to help me much with this issue, but I am filing this complaint moreso for continued evidentiary documentation of it, and to note that it is still ongoing and that I 've been in special circumstances. It has been very long, complicated and devastating, and I have a mountain of paperwork over the years. I have also been a   XXXX   XXXX   XXXX    residing here in the militar ry  XXXX   for over a year trying to get some long overdue care for my   XXXX   XXXX   including  XXXX   XXXX   XXXX  and   XXXX   XXXX   and I do have the   XXXX   XXXX   XXXX    assisting me at this time here at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  at  XXXX , and this attorney has my case #  XXXX   XXXX  and  XXXX  for at least  XXXX  complaints I filed to the OCC years ago. There are actually  XXXX  separate but related issues, the first is my mortgage/loan modification and the second is an illegal {$100000.00} line of credit that Bank of America gave to my ex-husband against said property without my knowledge or signature back in approx.   XXXX   when I had a protective order against him. This nightmare has devastated me in a number of ways, including effecting my health and security, and professional livelihood and career advancement regarding my security clearances necessary for what I do. I am preparing for a   XXXX   XXXX   becoming a  XXXX  veteran, but also able to work, requiring updates to my security clearance. The most recent servicer I have now is  XXXX   XXXX , to whom I have notified my current military status here   XXXX   XXXX   XXXX  , with the intention of resolving this issue to keep my home with the assistance of the   XXXX   XXXX   XXXX  , who is in communication with the  OCC fo r history. And there are major corrections that need to be made! I am trying to gather some past files for the attorney for history and unable to upload for you at this time.   Also, both of the law offices I listed that I paid to resolve my home problems just lied to me taking my money and doing absolutely nothing for me.   Please note : Bank of America is who the problems originated with and then passed on to others.  XXXX  example being forcing me to submit countless loan mod packages and constantly " losing '' them. And finally when I once made it through my trial payments, they again dropped the ball on everything so it did not finalize.A most recent servicer,  XXXX   XXXX , has been reachable (  XXXX   XXXX   )  but I have n't been able to speak yet with another person there,  XXXX   XXXX , because I have been in military status and hospital. I sent this person an email without a reply in  XXXX  or  XXXX  I believe, so they are aware. My situation is such a mess, it is my understanding that all servicers since BOA are not interested in my whole history, which is necessary to rectify properly.   To add : the site wo n't allow me to add the attorney here on   XXXX   who is involved helping me,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MD  XXXX   XXXX
I made a purchase from Macy 's with a Macy 's credit card. They never sent me a billing statement. Instead, several months later, they sent me a collection notice. I contacted customer service, explained I never received ANY billing statements and requested they send me a paper copy. I also sent them a letter ( attached ) noting the difficulties I experienced in actually getting them to send me billing statements. I refused to pay the " late fees '' and interest as I was never afforded an opportunity to pay my bill on time. Now they send me monthly statements with escalating late fees ( now in excess of {$100.00} ) even though I paid the purchase amount in full months ago.
This is in regards to my second mortgage account # XXXX, that I had with GreenTree. Green Tree sent me a letter stating that my loan was eligible for loan forgiveness and I was working with then to get a lien clearance on the loan. This Loan was transferred to ditech and they started harassing me with their letters. ditech should be working on forgiving my loan and issuing a title clearance on it.
I 'm filing a complaint because of the lack of help and correspondences from Wells Fargo with regards to the home of my aunt and last living relative the now deceased XXXX XXXX XXXX in an effort to modify and assume her loan. As the assigned personal representative of the Estate of XXXX XXXX XXXX, I have sent the requested documents and they keep saying that they never received it and then request the same documents over and over again stating that they never received them. I leave messages and they are not returned. I requested Modification Assistance documentation and have not received it. The desired outcome is to avoid foreclosure and postponement the sale date in order for me to submit foreclosure alternative paperwork to save her home from foreclosure.
I have made numerous attempts requesting the validation of the debt. I have requested in writing to the collection company and to the credit bureaus to provide me with a detailed breakdown of what I allegedly owed.
I filed a law enforcement report as directed by both the CFPB and FTC, regarding several credit card accounts that were opened in my name. I sent a copy of the original police report, FTC ID theft report, Officers name and badge number and a sworn statement attesting that I did not authorize anyone to open the accounts and I would prosecute. The accounts currently being reported are XXXX XXXX XXXX, XXXX Bank XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. Additionally they reported a plethora of inqs. that do NOT belong to me and where listed in the report.