WillisBack/dataset-financial-user-claim huggingface dataset:
I have a USAA Consumer loan that was set up for automatic payment ( {$440.00} a month ) from my XXXX XXXX checking account. The payment for XX/XX/XXXX was never taken out for payment. I was unaware that the payment was not made until USAA informed me around XX/XX/XXXX. The new total due was now {$890.00} and that the payment was considered late 30 days late. At the time I was informed of the delinquency I explained that I was currently dealing with the Veteran Affairs not paying me while I was currently in school. I knew I had a debt protection on the loan incase of loss of job or unforeseen circumstances. I explained I was waiting to be paid from the VA and that I just got a new job that I was set to start on XX/XX/XXXX. On XX/XX/XXXX I transferred {$500.00} from my XXXX XXXX checking to my USAA Checking account. When I checked to see if the money posted into my USAA checking account I find out my checking account was not showing up. I called USAA and they explained my account was charged off ( to which I didn't have any knowledge ). They said they could transfer me the money back to my XXXX XXXX account but it could take 15-20 days but I would only receive {$440.00} in return instead of the {$500.00}. Told me that I could only pay the loan using my XXXX XXXX checking account and not with my USAA savings account. Said to expect the money back in my XXXX XXXX account on XX/XX/XXXX. When I checked my XXXX XXXX checking account on the XXXX I didn't have the money back from them so I called to which they explained they could transfer it back to me. The girl I spoke with accidentally transferred {$440.00} from my XXXX XXXX checking into my USAA savings instead of transferring the money they owed me. Realizing what she had done she apologized and said she would transfer it back but I would only receive {$640.00} XXXX XX/XX/XXXX ) and have to wait a few business days ( XX/XX/XXXX ) for the remaining {$240.00}. After I received the money back I was now over 60 days past due and now the total increased to {$1300.00}. I was in communication and working with them consistently and unaware that they were in fact reporting me to the Credit Bureau for missed/late payments. This could have all been avoided if my checking account was not charged off without my knowledge. I called on XX/XX/XXXX to get a 14 day payoff amount and to setup payment for {$440.00} on XX/XX/XXXX. I later found out they waived late fees but then also cancelled my debt protection without my knowledge. A payment of {$1600.00} was made on XX/XX/XXXX to bring the account to current. I spoke with them about removing the reports made to the Credit Bureau to which they informed to fill out an online form and wait about 30 days then they would mail me a result. I was advised to submit a complaint by my credit specialist.
Every year, we receive corrected statements from Scottrade but this XXXX is a joke. Just received in the last week of XXXX 2015 still another corrected form, long after the return has been filed. This is unacceptable to place the burden of proof back on the investor when we have already reported in good faith.
I contacted National Recovery Agency with a debt validation request and they failed to respond to my request. Please investigate this matter. I do not recognize this collection account.
I ordered a computer from XXXX, using my Bank of the West debit card. They charged a pre-auth charge initially, taking it from my account and then shipping the PC, after which they removed the charge. Then they later tried to charge me again, at which point the machine was already according to XXXX tracking in my city, and my account did not have enough funds so they intercepted the shipment and had it sent back to XXXX saying they would issue a refund that I should see within 3 days. It has been a week now ( over double that ) and they refuse to tell me if a refund is even in order. I have received no machine from XXXX. I have contacted BOTW to file a dispute but they refuse to mail me affidavit forms that I must fill out and mail back and then wait 10 days to be processed in order to see if I am even eligible to get my money back. This is MY {$1200.00}, it was stolen from me and I never received the product. I want it back immediately. I believe Bank of the West has stolen from me, in accomplice with XXXX.
XXXX has failed on complying with the CFPB rules on : Early Intervention ( XXXX XXXX  XXXX ) A servicer must establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrowers delinquency.12 As clarified in CFPB Bulletin 2013-12,13 servicers are required to make good faith efforts to establish live contact for each billing cycle for which a borrower has been delinquent for at least 36 days. A transferee servicer must begin or continue the good faith efforts regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. A servicer must provide to a delinquent borrower a written notice containing certain information not later than the 45th day of the borrowers delinquency.14 A transferee servicer must comply with the written notice requirement regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. XXXX waited for one full year before contacting me about the loan even though I sent a CFPB complaint to XXXX  within weeks of the transfer notice.
This compliant is against XXXX. As an XXXX professional with the federal government it 's my belief that XXXX are knowingly committing fraud against customers. 

I was conducting a transaction to wire funds to my son for school in XXXX XXXX different times prior to calling for assistance. The transactions did not go through with success indicating that I had to call for assistance. When at the select the option page ; credit/debit card or bank account I 'd selected bank account due to the lower cost which was {$25.00} versus {$45.00} for credit/debit card. The bank account information is linked to the account stored. My account is a combined checking/savings as many accounts are. When speaking with the tech assistant he had me walk through all of the steps I 'd previously attempted. At the end I received the same " We 've Encountered An Error '' message. The tech stated that I should contact my financial institution regarding the account. I stated that there 's no problem with the account. The tech told me that I should try it using my credit/debit card. I told the tech that I 'm an IT professional and I 'm aware of what is going on with their system. It 's my belief they have set something on the back-end of their system/servers that intentionally causes this error to occur when a member select a cheaper option allowing them to defraud and take advantage of customers whom may have loved ones in dire need of funds. If they are doing such I would believe this to be a form of wire fraud.
I have an issue, I had a car loan through XXXX XXXX XXXX # XXXX as of XXXX I have always been current and been paying on this, I pay it off in XXXX and now a bunch of late payment remarks were added back from XXXX and one from XXXX which is inaccurate. I have attached the page of my credit report in XXXX reflecting paid as agreed and never once late and the report that was pulled in XXXX showing a bunch of inaccurate late payments. How can I be penalized for paying off an auto loan. This is not correct.
I recently pulled my XXXX credit report ( XXXX/XXXX/16 ) and noticed a collection account by : PARAMOUNT RECOVERY SYSTEMS, Date opened : XXXX/XXXX/16, Last updated : XXXX/XXXX/16. 

I do not know Paramount, nor have I been contacted by Paramount.
There are several accounts reporting through this company which are unknown, I have no records of and never have been contacted. Please assist Commonwealth Fin {$910.00} Commonwealth Fin {$920.00} Commonwealth Fin {$590.00}
Velocity Investments keeps demanding payment for a debt they have defective title to. I have filed a complaint with Nevada Financial Institutions Division. Velocity ignored FID letters and resumed hassling me. Copy of my new complaint I am filing with NV FID : 1 ) Velocity Investments, nor any of its agents, have provided any validation of this debt as per Financial Institutions Division, State of Nevada letter to Velocity dated XXXX XXXX, XXXX 2 ) Velocity, not its agents, have provided a verified answer with notarized signature ( per FID letter to Velocity dated XXXX XXXX, XXXX ) 3 ) That Velocity and its collections agents have violated my rights as a consumer under the FDCPA in the following ways : 1 ) attempting to collect on a debt they have not verified/validated, even though I demanded verification within 30 days of their demand letter ( XXXX XXXX Solutions ) dated XXXX XXXX XXXX XXXX FDCPA violation ) 2 ) attempting to collect a debt they have no valid legal claim to ( FDCPA violation ) 3 ) attempting to collect a debt that is beyond the statutes of limitations ( FDCPA violation ) 4 ) Failing to inform their collections agents ( 2 of them ) that the debt is in dispute ( XXXX FDCPA violations ) - Velocity may have violated my rights in other ways. I have consulted an attorney on this matter, but have not yet retained one.
In response to the equifax data breach, I have tried to initiate a fraud alert on my credit file. Not a single credit reporting agency website is functioning. In addition, you can not get through via telephone.
I BEEN TRYING TO REFINANCE MY HOUSE FOR MORE THAN 5 MONTS AND I CANT BECOUSE MY CRDIT REPORT HAVE MANY UNPAID ACOOUNT THAT I NEVER OPEN WITH THIS CREDITORS SO I CALL AND I SEND COPY OF MY COMPLETE INFORMATION SO THEY CAN SEE THAT ALL THIS ACCOUNTS ARE NOT MINE BUT I SEE NOT RESULTS FROM THE CREDIT BUREAU AND THE CREDITORS AND IAM VERY TIRED WITH THIS, SOMA BODY IS NOT DOING THE JOB RIGHT.
My stepmom has a savings and checking account. Before leaving for a prolonged trip in  XXXX   XXXX ,  2016,   she had in saving accounts at t Wells Fargo  {$5300.00}. In checking account, as of  XXXX   XXXX , had {$9500.00}. Through an  XXXX   XXXX  account of unknown origin, a total of {$14000.00} was removed from checking account and {$2700.00} was removed from saving account.  Wells Fargo  gave back {$6500.00} from checking account and {$1700.00} for saving. When asked about the rest of the m oney, Wells Fargo manager sa ys that they are not responsible for it because we did not enquire about missing money until past the 60 days. My stepmom was out of town for  8  mo.s and did not internet access established.   There is still over {$8600.00} missing from her account for wh ich Wellsfargo does not take responsibility for, stating that it was past60 days that we notifie d them.
I filed for bankruptcy in XX/XX/2010. I have a Macy 's credit card, which had a zero balance at the time and was not included in the bankruptcy. XXXX is reporting that it was charged off in the bankruptcy with XXXX credit limit. I disputed that. XXXX responded that Macy 's was confirming that their reporting ( bankruptcy ) was accurate & gave me the Macy 's # to follow up. When I called Macy 's they said that the XXXX information was totally inaccurate and that I would not have a Macy 's account if it had been part of a bankruptcy. That credit card should have a perfect score.
In XX/XX/XXXX I have purchased two {$25.00} egift cards from XXXX XXXX XXXX XXXX ( XXXX ). 
On XX/XX/XXXX the cards were refused at the XXXX XXXX store # XXXX in XXXX XXXX, CO stating that the cards are invalid as the PO system is not taking them. I have called XXXX XXXX and they stated that the XXXX will only honor cards sold by the XXXX XXXX directly online or in its stores and it does n't honor or address issues with cards sold through a third party such as XXXX. I have contacted XXXX and I was told that in their they the cards are valid and it is XXXX 's problem if they do n't honor them. 
The remaining balance on the cards is {$28.00} and I expect a refund for the balance I can not use. It is truly reprehensible that XXXX does n't feel any responsibility for the financial products its sells and it is just unwilling to offer any assistance.
Carrington mortgage has mis applied payments to the acct # XXXX. Payments were sent to mortgage lender as agreed and they did not apply the XXXX XXXX payments timely. They applied XX/XX/2016 payment in XX/XX/2016 its notated on mtg statement. XXXX XXXX payment for XX/XX/XXXX was never applied to the acct and the lender stated they have no record of any payments. We sent proof of payments to the research dept several times with no response from research dept. Perm modification was issued in XX/XX/2016 with a new due date begininig XX/XX/2016 and that payment was not recorded for XX/XX/XXXX but XX/XX/2016 which has caused my client to default on perm modification which is not their fault.
XXXX dealt with the co singer of the vehicle involved. He surrendered the vehicle without my knowledge! It has been on my credit for almost 13 years, its supposed to be reported for 7. Now after the investigation, theyre saying it will remain until 2020. I want it removed! Hope this time it gets handled correctly!
Capital One posted two consecutive late pays to my account in XXXX and XXXX. My account showed no payment due in XXXX and I made ( 3 ) payments to my capital one account in XXXX. I believe capital has not been reasonable. I have had capital one for over four years and this has been the first hiccup ever.
This is an ongoing complaint against Wells Fargo Bank NA.this will be my last complaint to expose them on how they do business and take advantage of a situation to suit there needs and manipulate the rules to there satisfactions.
XXXX XXXX XXXX XXXX, XXXX, as TRUSTEE OF XXXX XXXX XXXX XXXX is attempting to foreclosure on my home using fraudulent assignments I filed an affidavit of fraud with real estate div. of XXXX XXXX where XXXX XXXX state the title issues. Carrington Mortgage Services as refused to work with me on modifying my loan. Carrington has not responded to my QWR or my debt validation. XXXX XXXX XXXX needs to cancel the foreclosure until this matter is resolved
I have submitted several disputes to TransUnion for over 6 months now ; disputing the inaccurate, misleading, and unverifiable information listed on my credit report from multiple creditors. I have asked TransUnion on multiple accounts to remove any and all addresses, as well as personal information that does not belong to me, nor that I have ever lived at, and TransUnion will not acknowledge my request. TransUnion has continuously sent me a response to every dispute I send them, almost immediately refusing to thoroughly investigate the accounts because I have " previously '' disputed the accounts and they came back verified. My initial dispute was submitted in XX/XX/2015. I have sent a dispute every month since then, re-disputing the accounts with more information, or with a different reason as to why these accounts should be removed immediately. I have also requested method of verification, as well as proof of verification, and they have completely disregarded my request and thrown out my investigations entirely. I do not know where to begin in regards to having this matter resolved as I am constantly having to face an uphill battle with a company who is proving they are not abiding by the law and completing a full and thorough investigation. I am requesting that you please look into this matter and have TransUnion complete a full and thorough investigation of the accounts listed in the attached letter. I have sent them certified/registered mail with return receipt every month, and I know they have received my disputes because they reply back with the letter indicating the dispute will be disregarded to being previously investigated. Which I am aware of, but I am giving a completely different dispute reason every time. Please assist. I thank you for your time and help on this matter. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
In XX/XX/2016 I sent a certified letter to Credit Collection Services to verify debt which they ignored I also sent XXXX additional letters asking for verification and again was ignored with no response
XXXX reported my account as 30 days late when I made special arrangements, due to a diagnosis of XXXX XXXX and XXXX in the month of XX/XX/XXXX. I have been a customer for 1 year, no issues with payments until I became ill. I contacted XXXX to let them know what my plans were on XX/XX/XXXX, as that is the day my loan is due. 
My payment is XXXX per month. OnXX/XX/XXXX, I paid XXXX on XX/XX/XXXX, I paid XXXX and on XX/XX/XXXX I paid XXXX to be all caught up. When I discovered they had reported me as 30 days late on XX/XX/XXXX, it made my score drop a whopping 100 points. I contacted them and they said they would do nothing. They were following government rules is what they said. I asked what rules they were speaking of I couldn't get a proper answer. I spoke with 3 separate people regarding this issue. XXXX, XXXX and XXXX who was the last person who told me they had to follow government rules. 
He was quite sarcastic and said it was nothing he could do. I ask if I could get a goodwill removal o the 30 day late, he said NO.
I received a loan for {$2600.00} to date I have paid over {$10000.00} I have asked to settle the loan because I am a single mom and the $ XXXX monthly payment has become a challenge. They denied my settlement offer. I continue to make the scheduled payments and they continue to call me on a daily basis saying that I am behind when I am not. I am on the verge of tears and I just cant take the calls anymore. They say they will stop calling because the see that I HAVE been making the payments but the calls and emails continue. Please help!
I received a letter in the mail from One Main Financial with a request to refinance my account and funds were available after refinancing. However, they added more money to my account and fraudelent placed on my account 2 different amounts of refunds totaling {$3600.00} and {$110.00}. After One Main fraudelent placed those amounts on my account. My account increased to {$18000.00}. i had paid off {$2800.00}, a total of one years worth of payments.. The company sent an ACH to my account a total of {$2900.00}, after I left there ofn XX/XX/2018. I spoke with the manager and XXXX XXXX and asked him to fix this account because it is incorrect and he says it was not. I did not receive these monies in my account or under no circumstances. I can not believe that he expect me to pay for monies that I have not received. This is outright fraud. I do not know if he or his employees received thi money and is trying to make me pay for it. I have all the documentation to confirm what I received and was distributed to me. He also placed the amount of finance charges back on my account to bring it to a total of {$18000.00}. Please advise. I appreciate your time and concern with this matter. It is fraudelent and unwarranted, incorrect and creating a hardship.
On XX/XX/XXXX, I XXXX XXXX traveled to XXXX to purchase a pre-owned XXXX. The vehicle was fully equipped and also came with XXXX, which was not active in the vehicle at the date of purchase. Shortly after purchasing the XXXX XXXX XXXX and traveling back to my home in XXXX, XXXX. I was then constantly contacted by XXXX XXXX via cell phone. They offered the service and shortly thereafter trail activation, I received correspondence from XXXX XXXX XXXX XXXX XXXX, detailing that if I were contacted via cellphone ( which was illegal ), on the part of XXXX XXXX. That I was to receive compensation and free service as I was not the original owner and had not purchased this service. Moving forward and in constant correspondence with XXXX XXXX and submitting all documents pertaining to purchase. It was understood that this service would offer a settlement and free service. Instead XXXX XXXX has chosen to send a bill of {$60.00} to collections, in an attempt to tarnish my credit and credit score. This case has not been resolved and settled, as I have yet to submit my rebuttal / response to the denial letter XXXX XXXX sent to my home on XX/XX/XXXX. The dates of contact as they state are XX/XX/XXXX, but the purchase of the vehicle was XX/XX/XXXX. Additionally I was contacted via cellphone and therefore this settlement issue has not been resolved. Keep in mind the vehicle purchase date is clear and concise, XX/XX/XXXX.
Wells Fargo charged interest on the full amount which does not recognize multiple payments made within the billing cycle.
Equifax is reporting inaccurate information about a bankruptcy that was filed 7 years ago.   the Bankruptcy is from  XXXX  Georgia Bankruptcy court. This action occurred in or around  XXXX  -  XXXX    XXXX  . This bankruptcy is past the legal reporting period of 7 years, per the FCRA guidelines.
My mortgage is being sold by Mortgage Service Center of HSBC to XXXX of XXXX. I looked for info about XXXX on the internet and found many complaints and negative articles including actions by the State of XXXX. I do not want to do business with this company ; however, my mortgage is at a good rate and I do not wish to refinance. What action can I take
I am tired of the excuses from Seterus. My loan was modified for over 4 months and they refused to send me my current mortgage statement for my own records. I have faxed a letter to Seterus and it has been over two months. Seterus has not reply to my letter. I am frustrated because I want to received my mortgage statement trough mail. However they keep telling me they will provide me with a copy in the mail and still no answer. I do not have any active Attorneys therefore there is not reason why I should n't received my mortgage statement in the mail. I did not wanted to involve the CFBP. However I was forced for all the excuses I been given.
I have disputed the account on XXXX XXXX XXXX XXXX multiple times with Equifax. They continue to keep this account on my credit after validation request was not provided. There was a couple of times that I did not get a response in timely manner from Equifax. I have given Equifax information that XXXX has not provided validation of the debt and the other credit agency 's have already deleted this from my report but Equifax continues to state this is validated and it clearly has not been validated.
Escrow I have a 30 year fixed, 3.25 % VA loan with P & I monthly @ {$510.00}. 
Someone appears to be defrauding my escrow account as my payments have escalated from $ XXXX/month to over $ XXXX/month in less than 6 months. 
Prior to XX/XX/XXXX my Insurance costs were $ XXXX/year and my monthly payments were {$620.00}. 
My insurance premium is only $ XXXX/year now and I am being billed $ XXXX/month. 
I have asked the company to explain how my insurance premiums ballooned on XX/XX/XXXX when I was already paid and covered from XX/XX/XXXX - XX/XX/XXXX.. no one, not even their advocate has explained this to me. I have attached three insurance forms to show something is terribly wrong with my account. 
I have also attached a screenshot of my existing account which is BIZARRE. Please note that I have never missed a payment and that I have NOT been charged a late fee, but they insist on charging me $ XXXX/moth. 
My XXXX should be : {$510.00} + ( T= XXXX/XXXX= XXXX ) + ( I = XXXX/XXXX=XXXX ) = {$640.00}