WillisBack/dataset-financial-user-claim huggingface dataset:
This goes to XXXX and XXXX, my credit was ruined by several illegal companies, I have told you both for years to send me proof you have not. I have sent you both and ATTORNEY GENERAL office a letter saying inparticular USAA BANK CREDIT CARD was owned and started by XXXX XXXX in XXXX, I was an authorized user only in XXXX. I have provided you with a letter from XXXX XXXX who states this, also you also DID NOT mention fact the card was also identity theft and i sent paperwork to you both, you have not complied with sending me any FORMAL signed paperwork to me from USAA in four years or recently from consumerfinance.gov filings, # XXXX, XXXX. I however have. Federal Trade Commission and other government agencies and consumerfinance.gov not only do not look kindly on USAA BANK not providing proof I Was a co-owner of card or authorized user only, but not shown you second reason card does not belong on account which is fact It was identity theft. Both XXXX and XXXX are in direct violation of conspiring to embezzlement with USAA BANK by not removing me from my credit for four years. I also sent a letter over a month ago FEDERAL TRADE COMMISSION approved telling XXXX and XXXX it has not complied with these laws for year ruining my health, credit score and job score and then some. And when USAA BANK was removed you allowed them to go bank on costing me over XXXX points in one week combined with both crediting companies. I Am building a huge case against USAA BANK for several other issues, if XXXX wants to continue or its employees breaking the law, now that I will have all crediting companies employees involved with not handling these issues last years properly investigated, fined and more in my case I have against USAA in over XXXX bank, credit card and bad faith insurance issues. I am sending this to ATTORNEY GENERAL OFFICE in which they were sent the 30 day compliance letter over 50 days ago. I suggest XXXX and XXXX call me asap at XXXX with a correct number and be ready to settle this or you will be put into the case I have against, USAA BANK, USAA BANK only sent you a letter they did not send any proof, anyone can write a letter from an establishment but if I was a co-owner where is my signed USAA BANK CREDIT CARD co owner paperwork, plus the card was identity theft, KNOW THE LAW. You are breaking it, I de nounce your other consumerfinance.gov responses is treason, conspiring to commit fraud, embezzlement, possible taking of bribes, breaking federal trade and other regulation laws. And at this time, 4 years of bad credit scoring could cost XXXX and XXXX XXXX dollars and fines and employment loss and bad media coverage if not handled immediatley. I spent hours and hours trying to handle this you need call me and do the right thing, USAA BANK is being sued for over {>= $1,000,000}, if you want to join this issue then do n't comply, it only proves my case more and hurts your credit companies that much more. XXXX XXXX XXXX
i opened a new paypal account and went to my local XXXX and bought a paypal cash card which i put {$100.00} on came home and added the card pin to my account which put the {$100.00} on my paypal then i sent a friend that lives in the XXXX {$99.00} and pay pal charged me XXXX cents to send so a total of {$99.00} the transaction was complete go and log into my paypal account to find paypal locked it saying thisResolution Center - Case Reversal DetailsPayPal is constantly monitoring site activity and reviewing transactions. 

This payment has been selected for review and we have opened an investigation. 

Inquiry by PayPal - Case ID : XXXXXXXXStatus : Being Reviewed By PayPalTransaction ID : XXXXSeller Name & Email : XXXX XXXX, XXXXXXXXTransaction Amount : - {$99.00} USDTransaction Date : XXXX XXXX, 2015Dispute History Log - Most Recent XXXXThe Dispute History Log displays all actions related to your claim.Date Actor Action DetailsXXXX XXXX, 2015 Seller Response received from sellerXXXX XXXX, 2015 PayPal Email sent to sellerso my friend complied to their email needing info and i emailed paypal and got a responce saying they are not taking the hold on my account off that now i have to wait 180 days to even get my money and wont explain to me what is going on
On XX/XX/2018, an ACH debit of {$10.00} was presented to my account. With a balance of {$1.00}, it was denied and subject to overdraft fee of {$29.00}. Then on XX/XX/2018, a deposit of {$210.00} was credited to the account and the overdraft fee was posted ( {$29.00} ). Now on XX/XX/2018, I reached out to customer service via email to reverse/waive the overdraft fee ( {$29.00} ),  because to change me {$19.00} more then the original overdraft ( that was denied ) was extreme for such a small amount of the denied overdraft. I'd like for the fee to be reversed /waived, so that I can continue my banking relationship.
My daughter neglected to pay her first three months of her SallieMae student loans that I had co-signed on. Once I became aware of this I immediately called SallieMae to pay the delinquent loans in full and pay them forward until XX/XX/XXXX. My credit score has been between XXXX-XXXX for the past 15 years. The delinquent loans ruined my credit, my score is XXXX. I am trying to refinance my home to consolidate these loans at a 3.6 % interest rate, rather than the 9 % current loan rate with SallieMae. I contacted them on XX/XX/XXXX asking them to send my Credit Union a letter on their letterhead explaining that I immediately paid the delinquent loans off and forward till XX/XX/XXXX and to note that they were in XXXX rather than XXXX, delinquent status. They told me that they would be mailing this out to me the following week. I was shocked that it could not be e-mailed to me and that I would have to wait for it to be 'snail mailed! '' They apologized for the inconvenience but would not email it to me. I made the request over the phone on XX/XX/XXXX, on XX/XX/XXXX I called SallieMea to ask if it had been sent and they said it went out on XX/XX/XXXX, 12 days after my request! This absurd " snail mail '' delay is holding up my opportunity to do a rapid reassessment of my credit score and re-finance my home. I called them again to ask if they would remove the delinquent payments from my records ( because I had paid them immediately once I found out they were delinquent, and paid them up until XX/XX/XXXX ). The customer service agent with SallieMae told me to write a letter and send it to them via the postal service i.e. " snail mail '' then they would have up to 30 days to reply! This is completely unacceptable customer service! I have no recourse but to do this and wait? What if they deny the request? Then I will have waited six weeks ( two weeks for it to get to the appropriate person and up to XXXX to answer and send it back to me ) to see if they will approve this request? What kind of customer service is this? Why ca n't these requests be expiated by electronic correspondence? I find this antiquated and troubling. I am trying to refinance my home and repay these loans, they are slowing the process to a sloth crawl! This is unacceptable and should be changed. It is XX/XX/XXXX, we do n't do important time sensitive transactions via snail mail when we have e-mail. Please let me know how you might help. Thanks you
Experian is reporting a debt from a company XXXX XXXX XXXX and that debt has been paid in full.
On XXXX XXXX, 2016, a charge appeared on my credit card bill from XXXX XXXX for {$100.00}. This was for a medical facility that made me swipe my card and sign a receipt BEFORE I saw a doctor. Unfortunately, I never did see the doctor. The facility assured me they would tear the receipt up, and it would not post to my account. The charge did post to my account, and I immediately disputed it. Citicards sent me a letter saying a credit would be issued to me, and the matter would be closed. A month later, Citicards put that charge back on my account, and I have been fighting with them ever since. This is not a valid charge, and I want them to remove it. Citicards has no right to tell me I must pay a charge that is invalid. If XXXX XXXX feels I should pay the charge, then they can take me to Court. Citicards is violating my rights.
Barclay cards. XXXX 2016 I consolidated XXXX credit card payments with the help of XXXX, with all parties agreeable to the terms. Payments have been automatically generated every month. Barclay starts charging late fees ( they changed the amount due ) There was never a late payment. I called and thought we had it settled a couple of weeks ago even with the communication barrier only to find that there was no changes made to my account to bring it current. I have never been late on my credits cards ever. Called again last week ( XXXX ) and was assured it would be fixed. It is not fixed and they have inactivated my access to my account online and am currently being charged late fees as well as staying in arrears for 2 consecutive months now. Have spent numerous hours on phone in attempts to rectify this with challenging language barriers. Customer support is not worth the time invested in the phone call. Emails go unacknowledged. Access to account cut off. Please help. Thanks.
I have tried to get XXXX card to remove an account that is listed on my credit. It is not now, nor has it ever been my account. I have put more then the recommended amount of effort into it. I have at this time exhausted all resources, all abilities, and it is to no avail. Please help me get XXXX  to remove this account that does not belong to me.
On XX/XX/XXXX, I received an email from Mr. Cooper stating that they received the automatic payment on my mortgage. When I checked the amount withdrawn from my bank account, it was {$1100.00} higher than my previous mortgage payments. This additional cost caused my bank account to be overdrawn, resulting in overdraft fees. After reviewing my mortgage account online, I saw that escrow was added to my account without my approval. 
I called Mr. Cooper and spoke with 3 different representatives. I was NOT notified of the change in escrow to my account either by mail or email. I opted out of escrow with my previous mortgage provider and this should have remained the same when my mortgage was transferred to Mr. Cooper in XX/XX/2018, which it did up until the XXXX payment. Mr. Cooper did refund me the overdraft fees, but I am still waiting for the refund of the escrow in the amount of {$1100.00}. I was told it would be refunded by XX/XX/XXXX. 
Additionally, Mr. Cooper paid my school taxes in XX/XX/2018 without my permission. At that time, I called to explain that I pay my own taxes and I had opted out of escrow, and I did not send them the tax bill so I was unsure how this could happen.
there is an unauthorized transaction in my Paypal Credit XXXX x repeat transaction I disputed this to Paypal they investigate it was made through Paypal account through eBay. I called eBay too to report the person who said I sent money to him for XXXX in one day that is fraud I NEVER NEVER purchase nor pay a person with out an item in return. eBay must also check the credibility of their members hope they will make action to this wrong doing. Please help.
I am requesting that Bank of Mellon provide an EIN number so I may access their invester status on the XXXX ). Bank of Mellon is foreclosing on my home under the trust ( XXXX, XXXX, XXXX, XXXX XXXX ) established by XXXX. Bank of Mellon was found guilty of foreclosing properties under these established CWALT trusts without having the signed deeds or ownership to the properties XXXX I would like Bank of Mellon to provide a copy of the deed of the property located at XXXX XXXX XXXX, XXXX CA XXXX. I do not believe Bank of Mellon ( XXXX, XXXX XXXX ) is the deed holder or has the right to foreclose. I back this statement up with short sale closing instructions provided by their loan servicer XXXX. The pay off instructions clearly state to wire proceeds of the short sale to a third party ( XXXX XXXX XXXX ).
I attempted MANY times to lower my monthly payments for my Navient loans with no help from Navient. They have given me no options to help me be able to even touch paying off my student loans. I spoke to someone at Federal Student Aid who recommended I apply for the IDR PAYE program for my XXXX and XXXX loans, which would help me begin to start paying off my loans one at a time. I recently enrolled all of my student loans into the Income-Driven Repayment plan through the PAYE (  Pay As You Earn ) program. However, the first month enrolled worked properly for my Navient loans, but now they have been cancelled!!! I'm trying to pay off my loans, but no help is being given on Navient 's end. Whereas, my loans with XXXX and XXXX have been very helpful in honoring my IDR / PAYE plans I recently enrolled in with absolutely no issues. Navient has completely neglected this Federal program.
I have been receiving a letter acknowledging my authorization for automatic payment from my bank account on my macy 's credit card and the macy 's XXXX I had until XXXX of 2014 when I cancelled the XXXX out of frustration in not resolving this issue. Each letter I received was addressed to a different name, however it had my address and my account number and the correct billing information for that account. I called mace 's several times : twice I was told it would be fixed and it was not. The last time I was told that it was a computer error and could not be fixed!
I paid off my credit card statement last month in full. 

Based on my prior experience paying off other cards, I was aware of the concept of trailing interest and aware that this charge would likely show on my ccard statement the following month. 

It did show. 

I requested they remove this charge since it was not reflected in the balance due from the prior month 's bill. They refused. 

I requested an itemized breakdown of the charge they were attempting to charge me. 
They provided me with an explanation of the charge but no itemized breakdown. 

Instead, I got notification that.. they increased my credit limit. Which is not what I wanted or even requested. 

I refuse to pay this amount without 1. An itemized breakdown reflecting the daily interest accrued amount based on my specific account details.

2. a reminder of the language within the ccard contract that reflects that this amount is expected.
This is my 3rd complaint with this company. 1 complaint filed with XXXX and 2 with cfpb. I 've requested multiple times for this company to validate this debt. They claim they sent me a letter a few years ago and one recently. I filled for investigation on this company in XX/XX/XXXX. Its been over a month. They have made no attempts to reach out to me. I recently denied a line of credit due to unverified account being reported that i was unaware of. 
Im extremely frustrated at this point.
Contacted the credit bureau the beginning of   XX/XX/2016    . I have disputed this account every month until now. They stated that it was varied account was mine but I have submitted in proof that I owe no such company. I also attempted to reach out to the original creditor and they still have sent valid proof of owing account. The information they sent me was a document stating a different company names. On my credit report it is listed as the original creditor being  XXXX . The document they sent with no signature states the original creditor being   XXXX   XXXX   XXXX  . My name is also spelled incorrect on the document.
Over the past 4 months I have made several disputes with Trans Union regarding an fraudulent account being reported on my Trans Union Credit report. In my written and online request I asked that Transunion please investigate this item and show proof of validation or delete immediatley from my report. The account in question is an lien for {$1100.00}. The lien has already been released by the XXXX XXXX XXXX because they aknowledged that it was an mistake. Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from Transunion proving the account is mine. There is no possible way that this account belongs to me.PLEASE HELP
they re fuse to re move new York state of my credit report .that act ben pay off long time a go and they stil re porting it as I hold yhem money.
Firstly, Financial Corporation of America always sends debt collection mail without any detail of service. 

I received a debt collection mail, asking me pay {$61.00} to XXXX XXXX XXXX, for the service conducted on XXXX/XXXX/2015. There was no any details of the service and evidence of they contacted my insurance company already. 
I called them, and they sent me a XXXX lines service details. The original cost was XXXX and after insurance, I need to pay {$61.00}. 

I paid {$61.00} to them, although I was not that clear about the services, but I knew I did see doctor on XXXX/XXXX/2015. 

Then around 10 days later, I received another letter from Financial Corporation of America, which asks me to pay {$810.00} for the service XXXX conducted on the same day, XXXX/XXXX/2015. Again, there is no any details. 

Firstly, I paid after insurance {$61.00} already. Secondly, It is rude to ask people to pay without any supporting details. 

I demand Financial Corporation of America to stop sending any bill without details for the service and evidence that they contacted my insurance already.
XX/XX/XXXX I purchased what was supposed to be an XXXX Solar AC System. Within two months I found out that I had been scammed. I also found out that the company was not licenced to do solar ac systems. I then found out that there " in house '' notary had signed my name to several documents and has been found quilty by the FL Gov. Office for doing so. I then found out that a loan had been taken out in my name by someone. The loan was for the price of the " solar '' ac system XXXX with a company named Aqua Fin. I have told Aqua everything and provided documents to them in regards to the fraud and scam. when I received my first statement from Aqua Fin. I called and asked them to send me documents that I had signed due to the fact that I 've never applied for a load with them. They never sent me anything. I 've never paid on this loan and Aqua has placed it on my credit record and now I sold my home in XXXX XXXX and they had placed a lien for a " water treatment system ''. when the title company told me about the lien for a " water treatment system '' I told them I 've never had one in my home. So when the title company calls Aqua Fin. to find out what its about they told them it was for a " water treatment system ''. After the title company talked with me and i told them that I know of a company named Aqua fin. but I never had a water treatment system. I told the title company about the scam and fraud. The title company told Aqua Fin. about the " Solar AC System '' and by XXXX the next day Aqua Fin. had place another lien for the " XXXX XXXX AC system ''. I 've never had a XXXX Solar AC system in my home. The equipment that was installed I found out was just a regular XXXX AC system. And the " Solar '' panel they installed is not approved by the state of FL and that it had been found dang. 
I need help in getting my XXXX back that the title company is holding and get my credit back. This has made me very sick over the past two yrs. in trying to deal with this. I 've been in the hosp. over 15 times in XX/XX/XXXX due to XXXX. I have the Attorney Gen. Office of FL working on this scamm, along with working with the XXXX XXXX. PD in placing charges against several people that have been involved. It 's not right that Aqua Fin. took up business with XXXX XXXX and they got ripped off. I do belive that Aqua Fin. knew about the scam and got in on it to make money. it 's not fair to that I have to pay for a loan that I did n't take out. I have no papers showing that I did so. Please help me .... i do n't have the money to hire an attorney to help me .... attorneys want XXXX just to start to work on the case. I do n't have it and the XXXX is all the money I have and ca n't lose any of it. Please help me if you can. If you look online you can see just what kind of company Aqua Fin. is. 
Also if you look at my payment history on any of " my loans '' you will see that I pay them. My credit has dropped into XXXX when it was at XXXX.
I opened Citi bank check in account with a promotional offer XXXX on XX/XX/XXXX and fulfill all terms and conditions, so that I should get {$400.00} promotional reward by XX/XX/XXXX. I made several contacts with Citi, but they said wait till this date. Today it is XXXX and this has not come. Citi should give penalty for this service. If there is a delay in payment to credit cards or cash advance, they put heavy penalty to me. I would like to have Citi give me penalty for their mistakes. I have almost followed more than 10 times with Citi
How are you doing? I was shocked when I reviewed my credit report and found late payment on both of my credit cards with you guys ; XXXX XXXX-30 Day Late payment. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Portfolio Recovery sued me for a debt I do not owe in XXXX County Texas per case number XXXX. They had no verification to support the lawsuit other than a computer printout with my name and an address I have not lived at in many years, an incomplete account number and many pages of generic documents that did not apply to the case at all. Prior to court, I requested a verification of debt and they sent the same printout. They did not verify anything with the original creditor. They voluntarily dropped the suit on XXXX XXXX, 2015 but it remains on my credit report still. This issue has been on my credit report for years and has caused me to incurr high interest rates on many occasions. The least they could have done is to stop reporting a debt that is not valid to credit reporting agencies.
I have an offer on my home that would be a short sale. CitiMortgage is the XXXX lien holder and XXXX XXXX is the XXXX lien holder. CitiMortgage will accept {$470000.00} ( balance is approx. {$520000.00} ) and XXXX wants {$50000.00} ( balance is approx {$150000.00} ), This complaint is against CitiMortgage because they led us to believe that if we raised the {$50000.00} then the short sale could go through. We did raise {$24000.00} and was still working on it when CitiMortgage stated that any additional funds that we raised would have to go to CitiMortgage until the full loan balance was paid and THEN any additional funds could go to XXXX. Below is a Letter from CitiMortgage that specifically states that they would accept an offer of {$470.00} and the rest to help reach the {$50000.00} could then come from the buyer or seller. It does not state that the XXXX lien has to be paid in full! We have worked hard to come up with funds based on this statement from XXXX XXXX at CitiMortgage. Following is the letter that I copied and pasted from CitiMortgage to my realtor : Hello XXXX, We would still require an offer of at least $ XXXX regardless of HAFA or not. If HAFA is cancelled then we would allow 6 % to the XXXX lien and the rest to help reach the $ XXXX could then come from the buyers and/or sellers to satisfy the XXXX lien requirements. 

Sincerely, XXXX XXXXShort Sale/DIL NegotiationsXXXX XXXX *end of emailThere is no way we can pay CitiMortgage in full and then come up with {$50000.00} to XXXX XXXX . I am at my wits end as neither XXXX or CitiMortgage will help to resolve this issue and allow this short sale to go through.
I left XXXX to XXXXXXXX XXXX did not own them any money but they sent me to collection agency.