WillisBack/dataset-financial-user-claim huggingface dataset:
On   XXXX   XXXX  2017  I was approved for the new  USAA  "  Limitless ''  rewards credit card. USAA 's website promotes the card as earning 2.5 % cashback and says about the card " Enjoy unlimited cash back on the amount you can earn. '' They clearly named the card  Limitless  and indicated that it offers unlimited cash back.     On   XXXX   XXXX    2017  USAA closed my Limitless credit card as well as my older Visa rewards card with them.  USAA  also provided notice that they would close my checking and savings accounts with them in 30 days on   XXXX   XXXX  2017   .     The letter informing me of the closure of my  USA  A Limitless  card said that it was closed due to " unacceptable behavior or activity, '' but did not elaborate, nor would the phone rep I spoke to on   XXXX   XXXX   , 2017  when the  Limitless  card was declined when attempting to make a purchase with it.     I am left to conclude that this " unacceptable behavior or activity '' is that I charged too much to the credit card between the date it was opened and the date USAA closed my account since there was no other significant account activity with my other USAA accounts during that period. I am frustrated with this result and hope that USAA will reconsider their decision and reopen my accounts with them. Having been a customer for over a decade I had previously been very satisfied with USAA and am disappointed that they appear to be misleading members in how they 're choosing to promote their new credit card.
Voice message attached. It violates FDCPA. The caller did n't identify the company she represents. purpose of the call and that the purpose of the call was for debt collection purposes.
We are currently in the process of a short sale. Unfortunately the lender 's inspector is making regular visits to our home and has stolen XXXX items from the home and continue to damage the property. Initially the locks were destroyed and now the garage door has been destroyed. It appears this individual is deliberately trying to further destroy our property every time we file a complaint about the damage to the property. The new buyer should not have to be responsible for repairing these damages because they were not there when she viewed the home and made an offer on the home. Every week we find some damage done inside of the home and the inspector is the only one with a key, besides my husband. This needs to stop!!!!
I HAVE SENT LETTERS TO ALL THREE CREDIT BUREAUS, STATING THAT MY IDENTITY WAS STOLEN AND I NEED THEM TO VERIFY THESE ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT. XXXX  AND XXXX HAVE REMOVED THE ACCOUNTS THAT I DISPUTED BECAUSE THEY COULD SHOW VALIDATION. AFTER WRITING 3 LETTERS TO EXPERIAN ABOUT THESE ACCOUNTS, THEY STILL HAVE NOT SENT ME ANY PROOF THAT THESE ARE MY ACCOUNTS AND INQUIRIES. AFTER THIS COMPLAINT, I PLAN ON WRITING ONE MORE LETTER. IF THEY DON'T REMOVE THESE ITEMS I PLAN ON TAKING LEGAL ACTIONS.
I have never believed that I opened these three accounts and have requested documentation to validate debt from the following 3 creditors : XXXX XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX The reason I requested validation of the debt is because I do not believe I authorized an account with the creditors. It has been nearly 6 months since my first attempt to obtain validation of the debt and not one of these creditors has returned any such information, however ; they continue to report the information on my credit reports. 

Since I am unfamiliar with the accounts and there is not any proof of my authorizing their opening or any proof of the details of the debt, I have concluded this account was opened and used by someone other than myself. I have filed an Identity Theft Report with the FTC and have included a copy of my driver 's license for proof of identity.
Ditech company is not willing to remove PMI, our property value base on the last broker price opinion that was ordered by ditech in order to remove the pmi Came out to {$660000.00} and our loan remaining is {$490000.00}, that makes our equity well over 20 % that is necessary for pmi removal, we also never missed a payment and always been on time, been contacting ditech and they not willing to remove the pmi just because they just bought the loan from my Previous loan provider XXXX XXXX please help me even that our payment history is perfect and our home price been valued sufficient, please contact me for extra Evidence that this company is abusing and not playing by book. 

I have attached the denial letter with reason that home value has decreased while in the same report from ditech broker price options shows the price increased significantly, please see both attachments, so far I called over a dozen time to ditech and emailed them many time and send many letter but each time they respond with unreasonable answers to avoid removing the pmi. Please help
On XX/XX/XXXX I purchased a condominium that had been foreclosed on by the homeowners association on XX/XX/XXXX. On XX/XX/XXXX E Trade Bank instructed XXXX XXXX company to record a full reconveyance of a prior owners loan against the home ( That prior owner had not owned the home since the foreclosure on XX/XX/XXXX ). The reconveyance indicated that the mortgage company had no interest in the property. In XXXX after I purchased the property and cleared all tax liens and repaired the property to live in it {$60000.00} the mortgage company filed a rescission of the reconveyance stating on that document that an error had been made and they did not intend to release the prior owners mortgage. I filed a dispute with E-Trade and XXXX to which I received the reply that the prior owner from XX/XX/XXXX called and stated that he was a victim of identity theft so the reconveyance should n't have been completed. ( This is no explanation for why they would do this ) I am filing a complaint because I relied on the clear title at the time of purchase that I have record of and I believe the mortgage company released interest in the property due to many liens against the unit and its poor condition. They enticed me to invest in the property by recording the lien was not in place. As soon as they found that I had purchased and improved the value of the property and paid all the liens off. They then reapplied their lien. This is simple and plain fraud on the part of the loan company and the XXXX company they are attempting to call a " mistake ''. However their Vice president and XXXX had to go before a notary and record a deed in this error so I believe it is intentional. I put nearly all of my savings into this home and I ca n't reside there or sell it now.
I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX XXXX Account # XXXX I was never 30, 60 or 90 days late in the month of XXXX and XXXX XXXX. 

I 'm not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
The Request for Mortgage Assistance was submitted on XX/XX/XXXX to CitiMortgage. Citimortgage confirmed receipt of the request on XXXX XXXX via email, hereto attached. A formal missing documents letter describing the list of documents needed to complete the package was not received within 30 days of the submission. Citimortgage has requested different documents over the span of 6 months rather than provide the client with XXXX concise list of pending documents as directed by HAMP and the CFPB. Citimortgage has not evaluated the client for HAMP within 30 days of receiving a complete package as required. On XX/XX/XXXX assigned representative stated the file was complete and in review. Citimortgage did not decision the loan yet again requested additional information on XX/XX/XXXX, then a different request for documents on XX/XX/XXXX and yet again another request on XX/XX/XXXX. Citimortgage has continued to request documentation in pieces rather than XXXX list of all required documents necessary to facilitate the review of the file for HAMP. The borrower 's review process has been unnecessarily been prolonged due to Citimortgage requesting seperate documentation of the span of going on 7 months. The client has another sale date scheduled for XX/XX/XXXX.
I was reviewing my credit and noticed a 30 day past due in my sync/XXXX account number XXXX in XX/XX/2012, i am not sure why this happened, i believe that i had made my payments to you on time, my only thought is that my statement did not get to me on time.
the car that was bought in american honda was NOT me.i never bought that XXXX XXXX XXXX nor did i ever apply for credit! PLEASE understand that i never gave anyone permission to buy any purchased or use my name for any reason at all! the service i reserved on behalf of american honda was truly disrespectful from the management team from from store XXXX XXXX XXXX n.j ... ive been seek for help and i feel like im in not getting no result! ive tired just about everthing please help me get some answer
This account was open online over the internet. BY LAW SECTION 609 ( a ) ( 1 ), YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY- THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNT YOU POST ON A CREDIT REPORT. OTHERWISE ANY AND ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL OR EMAIL IN A FRAUDULENT ACCOUNT. I DEMAND TO SEE VERIFIABLE PROOF ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) YOU HAVE ON FILE OF THE ACCOUNTS LISTED. YOUR FAILURE TO POSITIVELY VERIFY THESE ACCOUNTS HAS HURT MY ABILITY TO OBTAIN CREDIT. UNDER THE FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME A COPY OF VERIFIABLE PROOF OF AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT, THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT-ANY AND ALL ACCOUNT YOU POST ON A CREDIT REPORT. OTHERWISE ANY AND ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL OR EMAIL IN A FRAUDULENT ACCOUNT YOU MUST REMOVE THE ACCOUNTS LISTED BELOW. FURTHERMORE, XXXX XXXX XXXX can not provide proof that this is my account. I am asking that this account is COMPLETELY remove from my credit history. XXXX XXXXXXXX XXXX  is not a business its SCHEME. Reporting information that is completely wrong. PLEASE REMOVE/DELETE FROM ALL FOUR CREDIT REPORTING AGENCY ASAP!
XXXX XXXX showing on my credit report was filed in Bankruptcy court on XX/XX/ 2013, and discharged.  They are reporting inaccurate information.
My credit got XXXX.cuz of a XXXX XXXX XXXX XXXX XXXX made mi company collecting on a disputed nonowned debt .i would like my credit restored by the nonlicensed debt collector tryn to XXXX me up with life thru XXXX credit controlled '' units 0ver.25centts.points im idtheft victim already struggling my score wass at XXXX this XXXX freal by a XXXX michigan hospital white ran with wanton full intent too cause me harm for reporting the XXXX for n too the state n federal government.please stop reporting calln hassling threatening this is result of idthegt i contacted several times the hospital n still recently had XXXX XXXX out of me at XXXX XXXX XXXX XXXX XXXX on XXXX # XXXX # 2017 XXXX XXXX XXXX XXXX for 'denial of excercising my constitutional right to leave the facility XXXX over hr n half XXXX XXXX XXXX  security guards threatening nurses n XXXX XXXX XXXX.n XXXX so i know how XXXX retaliatory hospital unregistered n illinous can be XXXX n battery by violent injection this is similar billing XXXX harm to cause monetary harm to XXXX but noncompliying debt collecting nonbond authority with federal gov when colecting is serious offense tho
They auto dial me to call them at least 3 times a day! I have called and tried to get assistance on how to apply for a deferment on payments as I had a baby with health issues and they wont tell me the information unless my account is according to the people i spoke to, extremely in default. I call and talk to someone and that same day I got more than one auto dial call telling me to call about my loan. Today XX/XX/XXXX, I have had 3 auto dials already between XXXX XXXX my time and XXXX XXXX. so 3 calls in under 4 hours. They are trying to get me to go delinquent and be extremely delinquent ON PURPOSE while harassing me and not helping me or answering my questions on how to get help when i call. They have given my grandmother who co signed some impression they are going to be able to come and TAKE HER HOUSE AWAY!
Our insurance company fax proof of insurance to Ocwen 7 times in the last 6 weeks they just placed Force insurance and took {$1400.00} out of our escrow account I do n't know what else to do to prove to these people we have insurance
Chase Cardmember Services continue to report inaccurate information on my credit report. I have notified them that this account does NOT belong to me. They refuse to investigate and verify to show proof that this account does NOT belong to me. I 've request that they remove this item from my credit report but Chase has refused to do so. This reporting on my credit report has damaged my credit file completely. There 's no way I can get back the points I lost due to their negligence of inaccurate reporting. Chase continues to violate my rights under the Fair Credit Reporting Act by reporting inaccurate information and damaging my credit file. I have include a copy of my recent XXXX Credit Report to show the adverse reporting on my credit report. As you will see, ALL of creditors are in EXCELLENT Chase Cardmember Services continue to report inaccurate information on my credit report. I have notified them that this account does NOT belong to me. They refuse to investigate and verify to show proof that this account does NOT belong to me. I 've request that they remove this item from my credit report but Chase has refused to do so. This reporting on my credit report has damaged my credit file completely. There 's no way I can get back the points I lost due to their negligence of inaccurate reporting. Chase continues to violate my rights under the Fair Credit Reporting Act by reporting inaccurate information and damaging my credit file. I have include a copy of my recent XXXX Credit Report to show the adverse reporting on my credit report. As you will see, ALL of creditors are in EXCELLENT STANDING. I am extremely responsible with my credit.
My father XXXX XXXX maintained an account at PNC Bank until his death on XXXX XXXX 2016. He was pronounced dead on XXXX/XXXX/16 at XXXX XXXX. His e wife who was granted Power of Attorney when he became ill went in the PNC bank in XXXX NJ the morning of XXXX XXXX, 2016 and withdrew the whole balance of {$66000.00} and opened an account in her name. At no point were any questions asked to the nature of her transaction. We have contacted the bank and were told they are not liable even though Power of Attorney ceases to be valid at the death of the account owner. They instructed us to contact a Lawyer and they would not help.
National Credit Systems persists, after several years, to erroneously report fraudulent information provided by a landlord. Regardless of documented proof, co refuses to address matter. Have made multiple attempts to resolve via phone and mail, just do n't have time to go to court over {$130.00} -- but this unwarranted black mark has had, and continues to have, a substantial impact on my finances.
I received a fixed FHA mortgage XX/XX/XXXX with a payment of approximately {$1500.00} per month. XX/XX/XXXX I was notified by the mortgage company of an escrow shortage due to the facts according to mortgage company the property taxes had been initially incorrectly calculated upon my obtaining the mortgage. Taxes and insurance are impounded with mortgage payment. Due to being on a fixed income I was unable to pay shortage so the mortgage payment was increased to {$1800.00} per month XX/XX/XXXX. I looked at my account recently and the mortgage payment is schedule to increase to {$1900.00} per month beginning XX/XX/XXXX and I am unable to refinance either Streamline or otherwise at this time without having to bring in upwards of {$6000.00} to do so. Mind you this was supposed to be a fixed rate mortgage so I wondering what rights do I have to protest these increases as the miscalculations of property taxes was not my fault but I am suffering due to the mistakes of my mortgage company.
I recieved a phone call from XXXX XXXX XXXX on XXXX/XXXX/2016 phone : XXXX. They claimed they tried to serve me papers at my home adress, then transferred me to XXXX XXXX at XXXX legal who said I owed a balance at 53rd bank. I asvised I would callback after speaking to 53rd. The bank verified there was an account in my name, when and where it was opened. At that point I started a dispute with 53rd bank as this was fraudently opened.. 53rd bank submitted proof this was being disputed to XXXX XXXX via fax number XXXX case # XXXX. XXXX advised there was no balance, XXXX account is closed and advised me not to pay XXXX XXXX services. I was also advised not to pay after filing a police report. On XXXX/XXXX/2016 I recieved a call from XXXX XXXX at XXXX XXXX XXXX phone XXXX who demanded I pay the balance of {$1700.00}, but to avoid going to coirt to pay {$650.00} now. I was threatened I would be sued by district attourney and that this will follow me forever. I again explained this was fraud, being disputed with XXXX and they are showing no balance. I advised XXXX I will call back after checking a status with the bank. I spoke to XXXX at XXXX XXXX who verified they do not work with XXXX legal services, balance is not my responsibility, and there is no money on account, the bank said they will send an afadafit to me to return to them. I then called XXXX XXXX from XXXX XXXX services back at XXXX and asked for something in writing. He said this would only state I have a balance. He states they do not accept or recieved anything from 53rd stating this is being disputed. He advised 53rd has no ownership amd can not do anything regarding this debt. XXXX said my story has holes like swiss cheese, I would be laughed out of court, and threatened legal action. He then said I would be served within the hour and demanded I hang up the phone. I never was served papers. XXXX XXXX services did not abide by FDCPA guidelines by threatening me and not providing accurate information or any information requested.
-They have called multiple times a day since XXXX. 
- They never sent me an initial letter. 
- They never had permission to call me as I revoked permission to call me with XXXX XXXX before I ever owed them money. ( which I dont owe them money ). And I revoked the arbitration clause as well ( which is unrelated to this ) -I had told XXXX XXXX my mailing address which was not the address on my license so they should have had it. 
- They call before XXXX frequently. 
- They won't tell me when they initially supposedly mailed the first letter. 
- I was dealing with alot of XXXX, baby being sick, being XXXX, XXXX XXXX, having my XXXX and baby taken out and these people were still calling. 
- I even went on a vacation and they were still calling. 
-Before I even asked them why they were calling me in XXXX I noticed there number was calling me. I had someone look up the number and give me their name and address. I mailed a letter to them asking to not call me anymore in XX/XX/2018. Nothing stopped. 
- I finally started calling them back and researching their website and sent a few emails. 
- There phone calls have really annoyed me and my family. 
- They hace disturbed me and my family waking us up out of our sleep. 
- I am tired of them. 
-They have called so much. To much.
DEPT OF ED/NAVIENT failed to properly report that the account was closed, instead it sent it to collection and it forces me to pay higher interest rates and loose a home before rates went up.
XXXX Transunion, and XXXX are reporting inaccurately on XXXX XXXX XXXX  account XXXXAfter repossession of a car in or about XX/XX/XXXX, the account was charged off for {$5800.00} in XX/XX/XXXXThe car had an auction value to reduce the loan indebtedness, yet it is not depicted in the balance histories.The charge off indebtedness increases from {$5800.00} in XX/XX/XXXX to {$9000.00}, the following month in XX/XX/XXXX.After dispute with all 3 bureaus XXXX says on the report, {$7100.00} past due inXX/XX/XXXX.In XX/XX/XXXX, the reports of all 3 bureaus say {$9900.00} past due.The Fair Credit Reporting act entitles me and is required by law to be accurate, complete and clearly depicted on my credit report.All 3 bureaus are inaccurate and incomplete in the reporting of the XXXX   account and are required to correct or delete the reporting.That has not been done in any of the previous recent disputes with all 3 bureaus.
I received a free listing or insertion fees promotion from Ebay. I 've bought about XXXX items and then XXXX more recently for a camera I was going to buy. This was the first time I was selling XXXX extra lenses I had. So I looked through EBay 's website for more information and see if there are additional fees involved and I could n't find anything from EBay 's promotion or website. I was charged {$35.00} by invoice recently which was a surprise. I called the company and may have been hung up on, but was told they would not waive the fees for my situation. I 've learned since the invoice of their final value fees, but I was looking in the wrong pages on their website and it was not clear to me previously. I believe it is unfair and deceptive to new sellers. There should be a fees estimate when you are ready to list an item based on recently sold items or a manually input sales price and shipping expense. It was not clear to me how these fees were calculated or when they would apply, although I have a better understanding of it now. If I would have known how much the fees were ( including Paypal, which was also not stated ahead of time and unclear what they charge, but a bit lower fee so I paid it ) I would have listed them on XXXX for free at least initially. I think Ebay should make there fees more visible as there are many items in front of the fees that draw you away, and you need to scroll down multiple pages to start finding out more information. Finally, the listing has an asterisk on selling fees in fine print, that I learned of after the sales, but does not provide more information. 

In conclusion, there are likely hundreds of thousands of people who have attempted to sell items, but did not know of the selling fees until after their first sales. I think it 's wrong, unfair, and deceptive and would like my money returned for these XXXX sales at the same time that resulted in the fees.
I deposited a XXXX loan check via the app and Wells Fargo elected to close my account and put all my funds on hold for XXXX weeks. The agent tried to claim it was because the check was written out to XXXX XXXX and my name on the account is XXXX. Either way, I was treated completely dismissively and was told I could not have the funds from the check. I then tried to use the check wit ha reputable institution who stated the check was no longer good. When I contacted the XXXX company, they state Wells Fargo had kept the more than {$1100.00} they tried to tell me was not drawn. The bank currently has more than {$1100.00} of my money and will not allow me to dispute XXXX debit cards transactions stating the account is closed and the transactions no longer open for dispute.
Advance Financial offered me a XXXX Loan they explained you never have to pay more than you need. Then they started charging me such an excessive interest that it was more than my house payment! I explained to them that I could n't afford to pay that and offered to pay XXXX per month and I was but they were still charging like over 70 % interest which just made pay back amount keep growing. I stopped paying the loan and they turned me into an attorney XXXX XXXX XXXX XXXX XXXX and now they are saying I owe {$5800.00}! Is there anything that can be done to get this to a reasonable repayment? This should be against the law this type of Predatory Loan Practices. Please help me. I received this letter dated XXXX XXXX, XXXX client file # XXXX Harpeth Financial Services , LLC dba Advance Financial is the name of the company.