WillisBack/dataset-financial-user-claim huggingface dataset:
I have being paying my student loan ( {$500.00} ) plus extra each month ( approx. {$250.00} ) to pay off faster & I have been doing this for years. The " Amount Due '' has not changed since interest rates ( prime ) were lowered XX/XX/XXXX/XX/XX/XXXX. Suddenly XX/XX/XXXX they lowered my payment by {$110.00} and applied an additional {$940.00} to the principle. I found this odd so I called 3 times to get an answer from them. I was promised 2 times that they would send additional information to explain what happened & prove that they rectified the situation correctly but I have not received anything yet. They can not provide any detail over the phone except it was taken care of correctly. One of their reps was extremely rude.
On  XXXX   XXXX , Synchrony Bank  [ WalmartCredit.com ]  debited my checking account twice with the full balance due on the account -- 2 debits of {$420.00}, creating an overdraft on my checking account. When I tried to get Customer service to credit the second amount back, I was told it was my fault that I had authorized the original payment and subsequently had added autopay to the account. ( I have done this with  XXXX  and  XXXX  credit cards with no problems at all. ) However, the Customer Service representative stated that there was no way for  Synchrony  to credit the account. The best she could do was send me a check that I would receive in  5  to 15 days. When I insisted that was not satisfactory and spoke to a Customer Servic e Manager,  the best offer she had was to expedite the check and perhaps get it sent in a couple days if I FAXed proof of the double debit to her FAX number. I sent my copy and had my credit union also send proof of the double payment.  <P/> My complaint is that I see no reason  1 -  for the double debit in the first place. If I had a payment authorized, then  AutoPay  should not debit an account that then has a   XXXX   balance. In fact, when I signed into the account after the incident, it had a negative balance of {$420.00} -- so the bank was aware of the double payment. And  2  - If the bank can debit the account, there is no reason in my mind that they ca n't credit it. Again, I have had experiences with what I deem more reputable banks, and a Customer Service rep can immediately credit an account for some error -- or at least forward me to another person who can. It does not take  5-15 d ays for a correction.  <P/> I have a FICO  credit score i n the  XXXX  's which this bank posts, so it 's not like I am a credit risk to them.
a charge from XX/XX/XXXX for comcast cable was proven in XX/XX/XXXX to be an ID theft charge and was finally dismissed. Well now sterler or steller resources recovery is now again trying to recover payment for this debt and filed on my credit report that I owe this charge. I do not know what there problem is or if it is XXXX. But i am sick and tired of this, please help
My USAA Member Number is XXXX, this is in reference to my USAA XXXX XXXX and  XXXX XXXX card. My account access to all my USAA accounts was restricted and all my accounts including both cards in question with billing disputes were closed without explanation. Any and all requests I 've made for documents regarding such disputes or the written clarification or explanation of above actions has been ignored. To date I still have not even received my current XXXX XXXX statement despite it being several months later. According to the Fair Credit BIlling Act. - ( d ) Pursuant to regulations of the Board, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a  billing error solely because of the obligor 's failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligor 's account the amount indicated to be in error. ( e ) Any creditor who fails to comply with the requirements of this section or section 162 forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}. Despite the law, USAA restricted, closed my accounts, failed to provide a written explanation, and all documentation requested. Additionally, USAA reversed permanent credits issues a year ago, with no warning, explanation, information on the reversal or charges and has failed to even provide a billing statement, other than online which USAA restricted my access to. Thus I have been prevented from accessing any documentation directly by the actions of USAA. USAA, also reported false information to the credit reporting agencies, in addition to failing to indicate the accounts were under dispute. In fact, they even reported one of the accounts they reported as being at it 's limit as having it 's dispute resolved. Said account was paid in full, minus any disputed transactions still unresolved.
To whom it May Concern, I, XXXX XXXX, hereby declare that I have been a loyal customer of bank of America since 1998. I have changed accounts four times for security reasons, but I never left my bank. It has been about ten months or so since that the overdraft fees that bank of America charges have become outrageous. Bank of America reorders debit card transactions/e-bill payments and withdraws in various ways ( usually placing the higher amounts first that will leave customers with negative balances XXXX, therefore ; the average client will be left with more than a few costly overdraft fees. Every time I have called to complain about how my available balance changes from day to day, the supervisors and customer representatives tell me that the automatic system rearrange transactions in different ways. Sometimes the automatic system will process larger transactions first and others the system will not process transactions correctly over the weekend. Consequently, on Monday morning the average costumer will be surprised with a bunch of overdraft fees. I have asked supervisors and customer reps to amend the mistakes that the automatic service makes. Some managers will waive a few charges. Others, like the last supervisor I spoke with will tell me that if I balance my account using my phone or a computer, I am destined to pay overdraft fees every week. If that is the truth, why does bank of America promotes mobile applications, online banking usage and online statements? Then, to make it more ridiculous the supervisor told me that if I kept doing my balance using paper and pencil and comparing it with my online balance, I was also destined to be charged hundreds of dollars in overdraft fees. Supervisors keep talking about the automatic service and blaming it for all overdraft fees like the automatic service is an electronic device that ca n't be handled by human beings ( it has its own mind ). My sister who was a loyal customer for XXXX years of Bank of America left the bank because of the same reason : Bank of America is rearranging deposits and withdraws anyway they want, so they can make millions charging overdraft fees. Something has to be done to stop Bank of America for charging overdraft fees in order to increase costs to average consumers for their benefit.
I sold my home on XX/XX/XXXX and was told I would receive a XXXX escrow refund. The first check was supposedly mailed out on XX/XX/XXXX to the wrong address which I dont believe because I got correspondence from them about my account to my new address.I have been calling them since XX/XX/XXXXXXXXBank of america has told me on numerous occasions that they sent the check out to me.I have called them at least ten times and everytime I get a different story the first check was lost they escalated my case the check was reprocessed I was told they would sent the check out via overnight mail on XX/XX/XXXX and they would call me back I never got a call or a check, and I am still waiting as of XX/XX/XXXX.
Bank of America did not pay my real property taxes due on XXXX XXXX after the county in which my property is located split my property from XXXX parcel into XXXX claiming the parcel numbers had changed. This should NOT have been an issue as I had called BOA on XXXX/XXXX/16 to provide them this updated information and they instructed me to send the information via fax to their Mortgage Loan Servicing Department which I did. As a result of the initial non-payment I incurred penalties and interest on the late payment totalling {$100.00}. Bank of America assured me since it ws not my fault that the payment did not get made that I would NOT be responsible for the late fees and interest penalties. After XXXX phone calls to Bank of America they finally made my property tax payment on XXXX/XXXX/16. However they charged me the {$100.00} for these late fees and penalties. I have subsequently called Bank of America on at least 7 occasions from XXXX/XXXX/16 to get the {$100.00} refunded. Each time I have been assured my complaint has been " elevated '' and assured my escrow account would be credited within the next 5-7 business days. As of XXXX/XXXX/16 this has not yet happened. The representatives I speak to have repeatedly indicated they use a third party vendor and have put the request in to the vendor, yet the refund still has not occurred. This has been a frustrating experience as the time it takes to get through on the phone and the repeated holds they put me on while they check into the matter averages at least 20 minutes per time I have called. The current call I am on now has already kept me on the line for over 30 minutes while I try to escalate the problem to a Manager for a final attempt at immediate resolution. During my time on hold I have managed to complete this complaint filing
On XXXX XXXX I paid XXXX the remaining {$200.00} on my account and on XXXX XXXX I.C. systems inc. a debt collection agency reported it on my credit report as an open collections account owing {$200.00} to XXXX. The debt was invalid to begin with but I paid it anyways due to the threat of reporting it on my credit report. XXXX was never willing to provide proof that I owed the debt yet still strong armed me into paying it anyways.
Once again, there is activity that is INCORRECT being reported by XXXX XXXX, XXXX regarding my mortgage loan. 

Once again, after filing a complaint. I am met by retaliation by someone within the company, XXXX XXXX, XXXX. This is not the first time this has happened. It has happened on several occasions. I am now attaching screenshots of what is being reported by someone at XXXX XXXX, XXXX. 
I have personally met with my personal bank and have attached all checks that were cashed per month by XXXX XXXX, XXXX. I have also attached the payment history showing all payments that were paid to XXXX XXXX, XXXX since the start of my VA mortgage loan. Those documents have been mailed off to each credit bureau. 

Now ... someone at XXXX XXXX, XXXX is once again, turning in incorrect information regarding payments that are not being reported. I believe as a clear means as retaliation regarding complaints sent to several bureaus. Someone at XXXX XXXX, XXXX is still removing payments that were prior on my credit report such as XXXX 2017 payment. 

If you are going to report my VA mortgage loan. You have an obligation to report it correctly. XXXX XXXX, XXXX has literally changed my credit report information on more than five occasions since XXXX XXXX, 2017. 

The current reporting is INCORRECT. I have made payments that are not being shown. The payments need to be reported correctly that reflect the payment history sent by your company, XXXX XXXX, XXXX. 

I have once again filed not just this complaint. But with all credit bureaus. Clearly this is abuse of power, flatulent and down right ridiculous to still continue with inaccurate reporting, not reporting or incorrectly reporting with regards to my VA mortgage loan payments. 

As told by an attorney. XXXX XXXX if they are to report your mortgage payments to the respected credit bureaus, in which, they clearly have to all three credit bureaus. XXXX XXXX, XXXX has a responsibility to report it correctly. Someone at XXXX XXXX, XXXX has reported as you can clearly see on screenshots. " Under a partial payment program. '' I am NOT under a partial payment program. I have paid more than on some payments, MORE, than my initial loan contract. 

Once again, I am demanding that my payment history reflect what is on the current XXXX XXXX XXXX payment history that was mailed to my home. 
I am once again, demanding that my FICO score by reinstated to reflect the correct changes. 

As per my phone call with Equifax this morning. It is someone at XXXX XXXX, XXXX submitting the incorrect information. XXXX XXXX XXXX needs to fix this ongoing issue ASAP. 

Sincerely, XXXX XXXX
XXXX XXXX, XXXX Is listed on my credit twice for XXXX. I had disputed this numerous times this account is not mine. A collection bill is not validation & I never received proof with my signature.
Received a telephone call at approximately XXXX XXXX  ( EDT ) from a gentleman representing himself as an agent for XXXX XXXX XXXX. He stated he was calling to follow-up on an inquiry I had made regarding debt consolidation. I had to ask for the gentleman to identify himself repeatedly. He claimed I had made inquiry about debt consolidation with Sequium and he was calling to verify my account information. I told him I had not made such an inquiry and wanted to know where he had gotten my phone number. I told him I would not give him any identifying information over the phone. The next day, I received a notice in the mail stating that Sequium was a debt collector and an account was sold to them for collection purposes. The caller misrepresented the purpose of the phone call by claiming to be a debt consolidation company and did not advise that he was a debt collector attempting to collect a debt and that all communication would be used for that purpose. He lied and was deceptive in his statements about being a debt consolidation company. This is a clear violation of the FDCPA.
XXXX XXXX XXXX XXXX debt was paid in the form of monthly payments for a settled amount of {$310.00}. This settlement was approved and accepted by XXXX XXXX in XXXX XXXX. A total of 6 payments were made from XXXX through XXXX XXXX. I will not be paying anything with AFNI and I request this collection amount/item to be removed from all credit reports immediately. 

Original Acct number-XXXX Original balance- {$710.00}
On XX/XX/XXXX, I finally received a copy of my XXXX report number # XXXX, dated XX/XX/XXXX. 

I immediately noticed an error that was disputed and removed ( 2 ) years ago, specifically XXXX has added under reported names : XXXX XXXX XXXX which is not my name nor have I ever used this name. 

XXXX XXXX then would not allow me to dispute this and other inaccurate information contained in my credit report. XXXX said I had to provide proper identification. 

To obtain said report I sent XXXX a copy of my social secuirty card, U.S. Passport and XXXX XXXX bill via certified mail which verified my name and address. 

XXXX refused to send my credit report until I provided this information and after I filed mutiple reports with CFPB to attempt to obtain said reports. 

In addition, I filed several complaints with the CFPB against XXXX and XXXX XXXX who reported this name in error in XXXX, XXXX, XXXX. XXXX 's sent XXXX several letter requesting removal of the name XXXX XXXX XXXX from my file. 

This information was removed and apparently re-inserted without the consumer knowledge in voliation of FCRA. 

Therefore, I am again filing formal charges against both XXXX XXXX and XXXX XXXX for voliation of the FCRA. XXXX 's intentionally created this problem with the credit bureaus in retailation for several complaints I filed with the CFPB against XXXX XXXX.
Discover closed my account for absolutely no reason at all. Im a long time customer ( 6 years ) never been late, wasnt maxed out ( only at 30 % ) and I dont have negatives on my credit report. Their letter when closing my account stated we are no longer able to meet your service needs. No real explanation, and no help when I called to ask why. Said there is nothing they can do. This hugely effects my credit negatively as I have limited credit, and did absolutely nothing to deserve this.
XX/XX/2017 As you know, I have reported my identity was compromised. 

Police report and Identity Theft Victim 's Affidavit were filed and mailed to the Banking institution, Consumer Financial Protection Bureau and OCC. 

I asked that the charges be taken out of my billing. 

Please respond within the next 30 days as of XX/XX/2017 that the charges are removed.
I am a victim of identity theft. I have fraudulent and unauthorized credit card and collection accounts and hard inquiries listed on my  XXXX   XXXX ,   XXXX   and Experian credit report. I filed a police report with the  XXXX   XXXX  Police Department and the police report case number is :  XXXX , the following credit card and collection accounts and hard inquiries are fraudulent and unauthorized :    XXXX   XXXX   XXXX  , XX/XX/XXXX ,   XXXX   XXXX   XXXX    XX/XX/XXXX ,   XXXX   XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX  , XX/XX/XXXX ,  XXXX ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX   XXXX   XXXX  , XX/XX/XXXX ,   XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX ,   XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX  , XX/XX/XXXX ,   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX  ,  XX/XX/XXXX ,   XXXX   XXXX   XXXX   XX/XX/XXXX ,   XXXX   XXXX   XXXX    XX/XX/XXXX ,   XX/XX/XXXX     XXXX   XXXX  , XX/XX/XXXX ,   XXXX   XXXX   XXXX    XX/XX/XXXX ,   XXXX   XXXX   XXXX  ,  XX/XX/XXXX
On XX/XX/XXXX I reported to XXXX XXXX and Equifax the fact the XXXX XXXX XXXX XXXX XXXX XXXX XXXX entered into litigation due to their fraudulant breach stealing of my money. 

I uploaded the court documents to substantiate the judges comments and the fact that the case was open and at this time the creditor should cease reporting derogatory information XXXX, reported the account as of XX/XX/XXXX as a charge off after I commenced the law suit, I advised all three agencies that they are not reporting correctly. Despite documents which included civil suit documents they reached out to the creditor. they not only did remove the derogatory but they updated the charge off date to XX/XX/XXXX XXXX dispute was entered on XX/XX/XXXX and they spent 60 days before updating my credit report via my dispute that i mailed them certified. The credit company and the creditor can not change the terms as it is suits them to continue to update their information to make it stay longer in derogatory status. 

XXXX XXXX
I have been fighting with XXXX for 2 years to remove this unverified debt from my credit profile. Attached, XXXX have also asked XXXX to stop reporting this false information and they have failed to do so. I '' m looking to have this removed asap
An unauthorized charge appeared in my account. I disputed the unauthorized charge and the bank told me that it will take 60 days to complete it 's investigation, but has not credited my account. I contacted them after 2 weeks past and asked why they have not issued a provisional credit yet and they told me they do not issue provisional credits, that I would have to wait until their investigation is complete.
My rights as a citizen and a XXXX vet have been violated under FCRA/FDCPA by Guardian Capital Management. They have reinserted a previously reported debt. I have been advised by my attorney that I am entitled to {$1000.00} per violation in statutory damages and attorney fees. I do not wish to go down that route, but am prepared to do so. 

I am requesting that the CFPB please investigate this matter / Guardian Capital Business Practices. Please see attached correspondence and proof of military status. 

cc : XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX
Public Record was disputed and found to have not been validated on XXXX and XXXX ; however Experian reported that it was, with no factual evidence sent as requested to have the item removed or verified. No proof of verification process was provided when asked.
My credit karma account alerted me to an account placed in collection saying I owe the County XXXX, Virginia what I believe to be a personal property tax. I 'm more than sure this is an error because I 've been living in the state of Tennessee since late last year
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, Blacks Law Dictionary, 6th Edition, 1990, defines Verification as,  Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
I have a credit card with Chase Ink and was a few days late with a payment due to being abroad on holiday. On my return I called and explained and made an immediate payment. I was then told as it was outside of their period I would be charged a higher rate of interest. I was also told I would have to wait 6 months before they would review the situation. This I did and then called and wrote - but received a computer generated automatic reply saying my request to return to my original APR was not acceptable - even though all my payments had been made in good time. I again wrote 3 months later when the same letter was received. I called and was told " there is nothing we can do '' I am currently paying off the balance and will switch to another credit card company. 
The hike was to a rate of 24.49 % - up considerable from my original rate. 
I also had a Mortgage, Equity Account and additional credit card with Chase - all of which were paid on time over a number of years