WillisBack/dataset-financial-user-claim huggingface dataset:
I initiated a dispute with USAA after I had my screen replaced on my cell phone. The merchant sold me faulty equipment. I provided USAA a copy of the receipt as well as a receipt from XXXX indicating that the equipment was faulty. USAA has repeatedly failed to communicate with my via the agreed method " My Documents '' my old checking account was reopened and on XXXX USAA forced a withdrawal from my account. I spoke with " XXXX '' in Deposits and banking on XXXX indicating my confusion she stated that I failed to respond to the request for information that was sent to " My Documents '' and that I failed to prove anything. I asked her to please point out where in " My Document '' I could find this communication she placed me on hold and proceeded to tell me that it was n't there. I asked her what the reparations would be since I am unable to use my account she said the only thing she could do would be reopen the claim but it was unlikely to do any good. I repeatedly asked her how this was right because I was not able to respond to a request for information if I did n't receive the request. She declined to answer. When I continued to push for a response she repeated if there was anything else. I again asked her how was USAA going to fix this she declined to answer. I asked for a manager she refused and said that they would only re-open the claim.
I made a payment on my mortgage in XXXX, the payment was returned and once i realized this i deposited the funds and made another payment XX/XX/18, the funds were taken out of my account but did not get credited. I continued to call and get status updates and try to get information regarding this. Today XX/XX/18, i called and was advised by XXXX employee id XXXX ( supervisor ) that the payment was credited on XX/XX/18. The account is past due and full amount is being requested and no arrangements could be set up.I am asking to be able to make 2 payments a month until this is caught up. When i called and was trying to make payments i was advised i could not do this as full amount would be needed but once the payment issue was resolved we could make arrangements to get caught up. This is now not an option and the account has been refereed to foreclosure, even though i was advised this would be suspended. The demand letter was voided in XXXX but then activated again in XXXX a day after the payment error was credited.I am also asking for any fees to be waived in order to help me be able to make the payments needed. Bank statments and emails were sent to aid in the research. No call was made back to me to advise of payment applied in XXXX.
On XX/XX/XXXX, I mailed XXXX XXXX a check for {$550.00} to cover the cost of my XXXX XXXX XXXX Credit card. The account # is XXXX. XXXX XXXX processed by check and have yet to send me a receipt or send the 3 Credit  reporting agencies this information. I have disputed this with the 3 Credit reporting agencies as well. Providing them with substantial documentation. Yet, all parties involved have updated this information for my credit file.
I was n't sure how to code this with the choices beforehand, so forgive me if I chose the incorrect options. I was contacted by Eastern Revenue alleging I owe about {$2800.00} for a Perkins Loan from XXXX University. I had consolidated loans a while back and thought this was put into that. The caller, XXXX, and his supervisor, I think his name was XXXX, INSIST they can consolidate this in for me but only if I give them my login information to studentloan.gov, where you can consolidate or defer, etc .... I refuse to hand over my personal access to my student loans online like that. I am capable of calling to verify if I indeed need to consolidate this one as well or make some arrangements if it indeed is owed. I told them I would handle it and I would not be handing over my personal access to my online student loan information. They both got snippy with me and said that it 's my problem if I want them to just collect more interest and they are the only ones that can help me. The supervisor was very condescending and near threatening that I 'll just pay more money to him because I wo n't allow them the access. I called the student loan servicer and they agreed to NEVER hand over the personal access, which I knew and had not done. They also advised to tell them to not call me and said all my loans are consolidated as far as they can see. I left a message with XXXX to NEVER call me or anyone about me again ; I would handle verifying my info and making any necessary arrangements if needed. I am reporting them because they called me at numerous places, including my job, and did not verify who they spoke to when I answered at my job. They also insisted that I MUST allow them to have a code sent to me and hand over the code allowing them to unlock my online student loan information. They are unethical and scammy. I felt very uncomfortable. As of now, I have told them to never call me again or about me again. Today is XX/XX/XXXX 2017.
I 'm am disputing this debt and have filed a complaint with Washington State Attorney 's agents XXXX XXXX https : //www.sprint.com/ and Virtuoso Sourcing Group http : //www.virtuososourcing.com/ for Breach of Contract, Failure to Providing Service, Bait and Switch Sales Tactics of Ipad Contract and Billing, not providing me with a written contract when asked, only a Ipad contract which I do n't own a Ipad, and Double Billing. Failure to act in good Faith by not responding under Contract Law, Bait & Switch Sales/Billing Tactics. This is the second time I 've asked for information of reported debt filled by Sprint.com, and they would n't respond to the Washington State Attorney 's Office and XXXX drop the claim. Then I get hidden post card mail from the other collection agent, that looks like junk mail in my junk mail from Virtuoso Sourcing Group saying Sprint.com has filled a Debt Claim. If Sprint.com does n't response to the State Attorney 's office or Federal Agency 's in Complaints how can the they really be acting in good faith during the sales and service process.
This is the original complaint : My problem is with First Citizens Bank in North Carolina. Due to a glitch in thier upgrade to their software Credit Cards and Lines of Credit were appearing as " nothing due at this time ''. And i never received any calls or notices regarding my line of credit and credit card with them.

After approximately 3 or 4 months i received a call from the Bank inquiring about no payments. I was told this is a glitch in their system and thet a monthly payment was due. I immediately paid the amount they requested over the phone.

They immediately then reported this to the credit bureaus. i then was notified that they were closing my credit card account. I attempted for more than 6 months to attempt to close my bank account via fax, email and hiring an attorney. The account appears " disabled '' still today. I've been requesting this bank account to be closed for more than a year. 
They need to remove this from my credit report. Because of their " glitch '' in thier system my bill was reporting " nothing due at this time '' for more than 3 months. 

This is my addition : The company stated it issued information regarding the credit card via US Postal.

THIS MAIL HAD THE INCORRECT MAILING NAME ON IT!

I tried multiple times to correct this! I believe at this point it is STILL not my legal name which i attempted to numerous times to have them correct! 
The Name on the mail was XXXX XXXX XXXX. 
THIS IS NOT MY LEGAL NAME! ALL CORRESPONDANCE WITHOUT MY LEGAL NAME EITHER FAILS TO REACH ME OR IS DESTROYED. 
THIS BANK DID NOT CORRECT MY LEGAL NAME ON THE MAILINGS AFTER MULTIPLE ATTEMPTS BY MYSELF OR MY LAWYER.
I'm XX/XX/XXXX I pulled a copy of my report and found several accounts that I had no recollection of. I have sent letters out to the credit agency 's since XX/XX/XXXX until XX/XX/XXXX. Each time they state it's verified with no info as to the verification used and who verified it. I have also noticed that the dates are also incorrect and they couldn't even get that right which leads me to believe it has never been looked at. The accounts uploaded should both fall off in XX/XX/XXXX not XX/XX/XXXXor XX/XX/XXXX. This also shows me no one truly is looking at it. I've made numerous calls and they either claim there system is down, they couldn't see my I'd clear enough or they don't know what I'm disputing. I also have copies of each letter sent I could also provide if needed as well as tracking numbers show I g they have it all.
In an attempt to pay off my loan with Ocwen, I sent XXXX large payments to the institution on XXXX XXXX that would have decreased my loan amount to within a couple of hundred dollars ( you can not send XXXX payment that exceeds 80 % of the loan balance so I broke the payments up into XXXX XXXX. I scheduled the payments for the same day because I did not want any interest to accrue. After a few days, I noticed where the XXXX payments were withdrawn from my bank but that my Ocwen balance had not changed to reflect my XXXX payments. I called Ocwen on XXXX XXXX to ask about the payment. The Ocwen rep explained that because the XXXX payments were scheduled for the same day, that it exceeded the 80 % max limit. I asked Ocwen to return my XXXX payments. The rep said it would take XXXX business days. I called Ocwen back on XXXX XXXX when my funds had not been returned to my bank account. I gave them my account number and routing number to my bank, information that I am sure they already had since my monthly mortgage payments are debited from my account. They asked me to wait a couple more days. I called Ocwen back on XXXX XXXX. The rep asked me to be patient and assured me that the funds would be returned by XXXX XXXX. There were no funds returned to my account on XXXX XXXX. I called Ocwen again. I was asked to wait 40+ minutes on hold while the Ocwen rep put me in touch with an escalation specialist ( ES ). The ES told me that my funds would be reurned within XXXX hours and that he had put it in as a priority because I had called so often. There were no funds on XXXX XXXX. I called Ocwen again to see if there was a problem. There was. After speaking to a rep and another ES, I was told that my funds could not be returned to me! The ES said that he did not see my funds! He claimed to put me in touch with someone who XXXX be able to address my concerns. So that 's where I am now, on hold waiting to speak to yet another person! This is a significant amount of money and I fear that Ocwen is trying to get away with keeping my XXXX payments!
I'm not sure why i keep getting the same parrot information from the XXXX, XXXX, AND TRANSUNION that they've verified the public records BK CHAPTER XXXX shown on my credit report. My questions are : What happened to the new and relevant information I sent to those companies, which proved this bankruptcy is inaccurate? Did they pass these information on to the court during your investigation? Does court actually verify them. Every day I cant get approved for anything I want, it is causing me emotional stress. I just simply want the inaccurate information removed or thoroughly investigated. I dont know a whole lot about credit bureaus and credit reports, or the way they actually process their investigation, but Im good at research. I believe they use a system called XXXX to handle investigations. Please should not rely on this system because its not 100 % accurate and its not fair to the general consumer. From my research on the FTC web sites in the last couple of months, you cant parrot information from the creditor and collection agencies, and public record keepers. They must perform a true investigation under the definition of FRCA.

Look that the 2 cases below : XXXX vs. Transunion revealed that the bureaus have 'grave responsibilities ' to ensure the accuracy of information and that it " must consist of something more than merely parroting information received from other sources. '' Basically, they can't just be parroting information back and forth between the bureaus and the consumer. They actually have to investigate.

The cases stated that the " Verification might be accomplished by uncovering documentary evidence that is sufficient to prove that the information is true. See XXXX, XXXX XXXX XXXX XXXX. '' And also " a reasonable jury could find that XXXX either knowingly or recklessly reported debts as verified without obtaining sufficient documentation to support that determination ... We, therefore, hold that a reasonable jury could find that XXXX   willfully violated 1681s-2 ( b ) when it reported the XXXX/XXXX and XXXX accounts as verified without obtaining sufficient documentation that the debts in fact belonged to XXXX ''.

Verify directly with the court. There are a lot of discrepancies these days when it comes to credit reports and I just want them to provide me with the verification of this item and that is reporting 100 % correctly.

These cases above explained in detail how the true verification should take place with the bureaus.

I actually went ahead and attempt to verify with the XXXX, and the actual court and these are the responses i received as shown attached.
In XX/XX/XXXX, I took out a mortgage loan with XXXX, XXXX D/B/A XXXX XXXX XXXX XXXX, A Limited Liability Company for the amount of {$420000.00}. On XX/XX/XXXX there was an assignment of mortgage filed with XXXX County Clerk 's office. The assignment of mortgage assigned the mortgage from XXXX, XXXX D/B/A XXXX XXXX XXXX XXXX, A Limited Liability Company to XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX started a foreclosure action against me for the amount of {$420000.00} which is about {$2900.00} from the original mortgage 10 months earlier, but I had already paid about {$27000.00}. How is that possible? I tried fixing the problem several times by submitting loan modifications on XX/XX/XXXX I was denied a loan modification because the investor declined. On XX/XX/XXXX I was offered a Trial Payment Plan, but I had to decline the offer because they were increasing my mortgage payment by {$530.00} and wanted a down payment of {$50000.00}. On XX/XX/XXXX I was denied again because the investor declined a loan modification. It seems like they do not care whether I pay them back or not, which is why they a offering me an impossible loan modification. I am a victim of the housing crisis and I feel that there is a fraudulent element to what is happening to my mortgage loan.
I received a late pay in XXXX ... I made a payment but due to the incorrect classification of the account the payment was returned. I was never notified by the bank. The following month I go online to make a payment and there are two payments due. I immediately made ( 2 ) payments to corrrect the mistake. It was reported to credit bureau a few days later so i called 5th Third back in the hopes of getting this removed with no success. I disputed the late pay with the bureaus as I did make a payment & the money was there. 5th Third then came back and instead of the one late pay added for more that were related to a payment deferment that was processed late. The action case off as very unreasonable and spiteful. I have contacted the company and disputed all the late pays with no success as of today.
Just started looking at my credit recently, and noticed there is a medical bill that i have no idea where it came from, i havent been to the doctors in over 15 years, Never Broke a Bone or Been Sick in Past 15 Years or So I'm not sure what this Bill is about When I XXXX the Company, it has nothing but 1 Star Bad Reviews, and there are hundreds of lawsuits against them for not Updating Credit that it has been Paid or Removed like agreed So i think it's a Scam Company Please Look into it and Let me know what i Need to do to get this Removed Thanks XXXX You've paid off -65 % of your collection amount. 
Balance {$10000.00} Highest Balance {$6300.00} Opened XX/XX/2011 ( 6 yrs, 6 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX HOSPITAL DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX heres there reviews You'll see People had to take that to court and there XXXX reviews can be  found by XXXX searching XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX
Both now XXXX XXXX XXXX { which has been reported to the Washington Attorney General } and XXXX have maliciously destroyed me Both and all including yourself have made a XXXX mess which I am willing to contact the News and have all exposed. This is what you all have managed to do Wipe out my good credit that I worked hard at, THANKS XXXX drop me from XXXX score down to nearly XXXX, and XXXX has managed to XXXX me out no thanks to YOU! I have had it with the covering up, the lies and the deception from all of you And I am now going to use the money I have saved for a Car, to hire a ATTORNEY and sue ALL OF YOU FOR TORT, PUNITIVE DAMAGES and FRAUD. You have XXXX me off this time XXXX XXXX, 2017, I CALLED XXXX XXXX AGAIN, THE ACCOUNT IS {$0.00} AND THE ACCOUNT HAS BEEN CLOSED OUT AS PAID IN FULL, THEY HAVE SUBMITTED TO ALL THREE CREDIT FRAUDERS THE INFO, SO WHOEVER IS XXXX AROUND, YOU APPARENTLY HAVE NO IDEA WHAT YOU ARE DOING BUT TO KEEP THIS GOING FOR 5 MONTHS TELLS ME ITS TIME TO FILE A XXXX LAWSUIT, THAT MEANS I HAVE TO TAKE A LEAVE OF ABSENCE, LOOSE MORE MONEY BECAUSE YOU IDIOTS CANT FIGURE OUT WHO IS WHO. YOUR ALL SO XXXX PATHETIC, YOU COULD N'T FIND A BROTHEL IF IT WAS RIGHT AROUND THE CORNER. THAT 'S JUST PRETTY SAD. GUESS I MAY HAVE TO ALSO CONTACT THE WHITE HOUSE AND LET THEM KNOW THAT THEY GOT MORE INCOMPETENT PEOPLE CLAIMING TO BE WALKING ENCYCLOPEDIAS WITH EMPTY PAGES. NO WONDER THIS NATION IS SO XXXX XXXX, LOOK WHO 'S LEFT TO HANDLE THINGS!
I have a collection that 's been showing on my XXXX and Transunion report for a while that is not mine. I disputed through XXXX, and receive a verdict that they were unable to verify this was mine, and they agreed to remove trade line from CRA 's in 2012. They are still on today and disputes did not work with XXXX or Transunion, and Collection Agency is not acknowledging the letter they send agreeing to remove from my reports. 

The tradeline on reports is XXXX, they also go by XXXX XXXX XXXX XXXX XXXX it looks like. 

Please help me get this resolved, it 's making it hard for me to get an affordable rate on a vehicle for my family.
Contacted Supv XXXX XXXX and requested deletion of outdated account XXXX XXXX # XXXX. The creditor XXXX is re-aging the FCRA compliance date.
XXXX XXXX sold a debt, the collection agency, listed as Recovery Partners LLC with mailing address in XXXX AZ, failed to verify. It stems from an incident that I was not part of. I do not know how my name and details were attached to be event, and so then to the debt. 
I live XXXX miles away, have never driven the type of vehicle involved, and have not been in that area for close to 40 years.
XXXX XXXX, XXXX XXXX, South Dakota which comes back to XXXX keeps pulling my credit report several times within a few weeks. I have not applied for any products with this financial institution and do not have any and have never had any products with this financial institution.
The company Trans Union had a system glitch that has violated the rights of their consumers under section 6.11 As a result I have been gravely affected and my score is suffering as this glitch result.No notice was ever given which is also a violation and I am requesting that ALL inquires be removed : XXXX Date XXXX/XXXX/2016 XXXX- XXXX XXXX XXXX/XXXX/2016 XXXX -XXXX XXXX/XXXX/2016 XXXX XXXX XXXX XXXX/XXXX/2016 XXXX XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX XXXX XXXX/XXXX/2016
I ordered a shaver from a wesite called XXXX, basically the seller is XXXX. XXXX XXXX I used my debit card to make the purchase for {$54.00}. The seller used XXXX to make the delivery, as incompetent as XXXX is, they failed to follow simple directions on just basically to contact me to buzz them inside my building to gain access. Of course they failed to do so. I 've been asking for a refund for over 12 days now just going back and forth with these people. I do n't know what else to do. I do n't normally do this but im asking for help here. The seller which is XXXX of XXXX 's webits is saying we will issue you a refund once the item is returned from XXXX. I never received the item, XXXX has the item, what if it doesnt get returned for months, what if its lost, why am I waiting for this, why am I out almost {$55.00} because someone failed to do their job. This is unreasonable, and I 've been demanding for a refund for over 12 days now through phone calls and emails, please help me!! I do n't know how many people they are doing this too, its sad honestly, I hope no one goes through what I have, I 've lost countless hours on this, its not about the money anymore honestly, its about principle here and doing things right in an ethical manner.
In XXXX and XX/XX/2016 I attempted to cancel my gym membership with XXXX XXXX I sent email communication and certified letter to the gym. Due to personal reasons I took a unpaid leave from work and moved to XXXX I provided the lease to XXXX XXXX and no further communication was received from them so therefore my thought was that it was canceled. I have never received statements via mail or collection letters. I travel for work so a process server showed at a previous address where my friends reside and I stay on occasion when Im in town versus going to the address that I previously resided that is listed on my driver license 1.5 hours away from work. I contacted the process sever because I was out of town at the time explained that I was in corporate housing but still worked for the same company. Needless to say this guy made a scene at my place of employment. I contacted the lawyer to let him know that sent signed lease I was told to fax the information and was given the wrong information. XXXX XXXX I clearly in violation of there agreement to arbitration and they have violated my rights to dispute the alleged account. They have scheduled to go to court for an account that they have never sent out any notice via mail to any address that I resided at in XXXX XXXX or XXXX XXXX. The contract says that if you move over 20 miles from you membership location you can cancel you contract. I did that. The attorney Office stated that you can cancel via email well I have a friend that canceled and she lived right around the corner from the gym and she canceled via email because she lost her job. XXXX XXXX never stated that they received my certified letter they asked for my new address and stated that they would verifiy whats to verifiy If I have a signed lease for an apartment over 300 miles away
Statement to File w ith Credit union  disputes I disputed  XXXX  inaccurate    XXXX   day late payments on my credit report directly to TRANSUNION. I submitted all documentation by certified mail on   XXXX   XXXX   XXXX     to TRANSUNION including : record of my payment due date (  XXXX  each month ) along with printouts of my Bank  Statements, verifying the date the funds  were withdrawn from my account for payment of my vehicle loan to  XXXX   XXXX . I noted the inconsistencies between the  XXXX  reporting bureaus of this account. I noted inconsistent accounting of the actual payment amounts listed on the account that were displayed in my credit report. I asked for the amounts paid and dates they were paid to be updated on my report. I explained that the credit union my loan was with got bought and the new credit union was not applying my payments correctly when a payment was made for both loans at the same time or individually. I requested they look at my account of the prior loan company it was with :  XXXX   XXXX   XXXX  and take notice I never had a late payment before the buyout. No follow up to my requests from TransUnion was made. The file should be updated with no late payments reported accordingly.