WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a USAA member for 26 years ( my family, much longer ). I do a significant amount of business with USAA including checking, savings, home mortgage, home owner 's insurance, and 2 automobile policies. 

My wife and I live in XXXX. Back in XX/XX/XXXX-XX/XX/XXXX, we traveled to XXXX for a fun, short getaway. While staying at our hotel, my wife got a fraud alert from USAA about a sudden string of suspicious transactions from a merchant called XXXX. The transactions appeared to be for prepaid calling cards or something like that. Nobody in our household speaks Spanish and we have absolutely zero contacts in XXXX. Obviously not our charges. As we would expect of any bank, USAA was able to stop the pending charges and reverse the ones that had gone through. 

THEN, XXXX, we got a letter from USAA that although their " fraud analyst '' had concluded the other charges were indeed fraudulent, they somehow determined that ONE of the charges for {$20.00} was valid, and they were now deducting that from our checking account. This made NO sense to us -- why would they reverse all the other charges and not this one? 

Within a few days we got paper mail purporting to provide " matching information '' provided by the merchant that was purportedly provided as part of the transaction. However, the only " matching '' information I could find in the documents they sent us were things like name, address, and CVV number on the front of the card -- all the types of info that anyone with access to our personal belongings could have gotten. 

I spent another 2 hours after work today talking to various members of the USAA " executive resolution '' team. The executive resolution member I spoke with today was talking to the fraud department on the other line, and relayed info back to me that an additional piece of matching info on this ONE charge was some sort of " IP number. '' They could not explain what the " IP number '' meant and said it might be a smartphone or our personal computer. When I asked the phone rep to point me to that piece of info, she could not locate it. There is one page in the info they sent me with a very, very tiny blob of illegible text, that is so blurry I could not read it even with a magnifying glass. 

She transferred me back to the fraud department, who could not provide ANY info except for the merchant phone number. I tried calling the merchant and it was entirely in Spanish. We do not speak Spanish in our household and I refuse to try and it should be USAA covering me and let them contact the merchant if they want to. 

Although this was just a XXXX dollar charge, as my wife pointed out, what happens if next time it 's THOUSANDS of dollars? 

This has been so incredibly frustrating I can barely stand it. I hate to give up my membership and move my accounts to another bank, but I am prepared to do just that. I am now invested emotionally in this and I will not give up until I have resolution.
Creditor is attempting to collect a debt that has already been paid. My account with XXXX in question was cancelled by me and all outstanding balances paid. Debt agency is still trying to contact me after debt has been paid. 
I do not understand why there was a debt to begin with as balance due was paid in full before due date.
Back around XXXX I received a letter or notice stating my mortgage was past due by about 3 months. I did n't agree so I called and explained the situation. I was given a fax number to fax all supporting documentation over to and I sent it over several times, finally getting a designated representative to help me. XXXX payment was adjusted and corrected to my account, but XXXX was still showing one more month past due then my records showed. Just as the rep was doing the research and helping me get to the bottom of it, my mortgage was sold to Ditech in XXXX of XXXX. Since then, I have called and repeatedly faxed all the documentation and explanation to Ditech but no one calls to help me. They send me letters showing a payment history since XXXX of XXXX, which is when Ditech took over. This issue goes back much farther back into XXXX. I just got a foreclosure notice saying I owe {$7000.00} and that is not correct. They gave me til XXXX/XXXX/XXXX.
XXXX 2016 XXXX XXXX XXXX/NAVIENT reported me as being 90 days late on my student loan without any prior indication of being 30 or 60 days late. It 's inaccurately reported to the credit bureaus that I was late at all.
My mortgage is held by Chase. Several years ago I inadvertently let my Home owners insurance laps. I soon found a new policy, but Chase issued there own policy in my name and charged me a very high price for a policy that only covers their loss.. When I brought to their attention that I had my own policy, they canceled their policy, but issued another, in my name, RETROACTIVELY!! I refused to pay for it, so they deducted the amount from my next monthly payment and charged me a late fee. They have been listing me as delinquent since then, while holding the remainder of that monthly payment in a fund. I owe about {$200000.00} on a house worth about {$900000.00}, the land value is farr over the loan amount. In 50 years of living in this house, I have never had a home owners claim Can you help PLEASE???
In XXXX XXXX our daughter who was XXXX years old at the time had a XXXX within one week. She is know XXXX. My wife was forced to leave her job at the XXXX XXXX so she could take our daughter to multiple weekly appointments which continue today. Unfortunately the loss of her income did not leave us any choice but to file CHXXXX bankruptcy. The trustee made small monthly payments to OCWEN while we were under bankruptcy protection. Our case was discharged on XXXX XXXX XXXX. I have spoken with OCWEN several times over the past year and submitted paper work many times for a loan modification. Each time they said they never received all of the paperwork. My remaining balance with Ocwen is around {$100000.00}. I meet all of the criteria for a government loan modification yet they keep denying me. I have been forced to hire a law firm to protect my home. My current mortgage percentage rate is 9.2 %. If OCWEN would work with me and lower our interest rate and monthly payment, we could retain our home. Our home is the only thing my wife and I have and would expect OCWEN to follow federal guidelines and not give us the run around.
During late XXXX and early XXXX 2015, I initiated XXXX different new auto loans with XXXX XXXX XXXX XXXX. The reason for the XXXX different loans was because I had the dealer re-write the loans to take advantage of discounts being offered. The final loan and the only valid loan was for the amount of {$32000.00} and was the only loan that should have lingered as " open '' on my credit report. I have been making payments on this loan and the current balance is much less. 
Meanwhile, the XXXX of the XXXX loans in the amount of {$34.00} continues to linger on my credit report and is reflected as " open ''. This amount is added together with the XXXX loan, which is valid, and added to the total amount I owe at the beginning of my credit report. 
I have contacted XXXX XXXX several times about this. Each time I am informed to wait another month for the matter to be resolved. I first reported this problem in XXXX so I have now waited 3 months. 
This is not only incorrect, but I am hampered from obtaining additional credit, because my total of monthly payments on XXXX open auto loans exceeds my income to monthly payment ratio. Also, since this is reflected on all XXXX credit reports, it appears to be a problem with XXXX XXXX reporting to the credit bureaus.. 



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mortgage payment does not show updated or current all 2 bureaus do not update the status but are quick to report when late!
I purchased a vehicle on XXXX from XXXX and I was approved twice through American Credit Acceptance. Now I am receiving a call from XXXX stating that I need to return the vehicle because they could not verify my income. I have been working XXXX for 13+ years and its not hard to find out. I received another call that stated that ACA was not going to finance the vehicle now. My question is why was I approved not once but XXXX in one day and now all of a sudden after I have had the car for 13 days they are declining my approval? I called the company that is in my contract for approving my car laon and they do n't even have me in there system with a name or anything pertaining to the car I received. XXXX is n't telling me anything but bring the car back and they ca n't even give me answers as to why this is happening.
This formal complaint concerning and XXXX their business practices.ERC is reporting a debt is not mine This bureau continue to report inaccurate information. 

In the years from XXXX my identity was stolen. I discovered this because an auto loan was opened and several inquiries, where someone has continued to apply for credit in my name.
Capitol one credit card, called them, my payment on XX/XX/XXXX went through for a couple days and then went back to unpaid when I wanted to just pay it in full then. They wrote missed payment on my credit report even though their system was faulty and did not let me pay I would like a credit update because of that. Now I have {$100.00} in interst and late fees and they said they cant do anything about it because card Is closed and I have to pay those fees so On XX/XX/XXXX I made sure to pay my balance on card in full and asked it to be closed For good and balance said XXXX on account because I paid it. 
Now on XX/XX/XXXX it says 7.20 interest charge. But I paid already on time and they are stealing from me.
XXXX accounts for Fair Collections and Outsourcing, # XXXX, and # XXXX, are in error. I have attempted to get these alleged debts removed from my credit reports. XXXX have done so, but XXXX refuses. These alleged debts were purchased by a collection agency from XXXX XXXX Apartments. I have sent documents proving that I do not owe this debt. In a nutshell, I had planned to lease an apartment XXXX Apartments, only to receive military orders to report to duty in New York State. Despite federal law, the Soldiers and Sailors Relief Act, which required XXXX XXXX Apartments to rescind the lease once I provided notice, XXXX XXXX Apartments refused to do so, necessitating litigation. When the judge learned that I was under military orders, the judge appointed me a guardian ad litem, who succeeded in getting the malicious lawsuit filed by XXXX XXXX Apartments dismissed. In other words, the court held that I owed nothing. XXXX XXXX nonetheless went and sold a fraudulent alleged debt to a debt collection agency, Fair Collections and Outsourcing. I informed Fair Collections and Outsourcing of the dismissal of XXXX XXXX Apartments ' case and that the debt was invalid. Fair Collections and Outsourcing has chosen to report me to the credit bureaus as a form of extortion in an attempt to get me to pay an amount that the court held I do not owe under federal law. Despite numerous communications with Fair Collections and Outsourcing, this unscrupulous debt collector refuses to inform XXXX that the debt is invalid. Consequently, XXXX will not remove the amount from my credit report. Even worse, XXXX of the alleged " debts ' is in fact a security deposit that XXXX XXXX is obligated to return to me.
I have an authorized user on my account who tried to get his free annual credit report and XXXX  was unable to provide a report. I called Capital One in XX/XX/XXXX, and spoke with a representative about XXXX  and also explained that the authorized user applied for credit with a company that uses XXXX and was unable to get a credit score. He told me that Capital One reports to all three credit bureaus and it's not Capital One 's fault if the credit bureaus don't report the information that Capital One is providing. I have since learned that Capital One has not reported to XXXX at all. I am uploading, per his permission, a copy of his credit report from XXXX  dated XX/XX/XXXX. I am requesting that you report this authorized user 's Capital One account to XXXX   and that you also add on our previous address. The authorized user 's XXXX report needs to checked for updates to report the correct information. Can you please check my other authorized user also and if it has not been reported to XXXX, please do so. Can you please explain why on his XXXX credit report why Capital One wasn't reported until XX/XX/XXXX dated XX/XX/XXXX, when he became an authorized user in XX/XX/XXXX and why the phone number is not updated that was done months ago. Authorized user 's XXXX credit report is also being uploaded.
Hi, Chase closed all my credit card accounts citing too many new accounts : 1 ) I closed several accounts so the absolute number went down compared to 6 month ago 2 ) Chase just approved 2 credit card accounts and now they complain I have to many accounts ( they caused this problem )
XXXX XXXX was notified of my filing with local police and FTC identity theft. My account was used to obtain a fraudulent payday loan, they charged off the account for {$800.00} after dozens of calls and emails and letters. The {$800.00} is fees generated by the bank, it is NOT money that the bank paid on my behalf to this fraudulent payday loan. They tell me my disputes are frivolous and refuse to investigate. FTC CASE XXXX
Wakefield & Asso have reported information on my credit report that breaks the law of the Fair Credit Reporting act and not validating the information I asked for which they had 30 days to produce. Not only that they have violated my Hippa rights and Hippi law by sending me items of procedures that was done at hospital without a Hippa release which is a clear violation of the Hippa law and now I can proceed with a law suite . I have  documented the letter I sent them in XX/XX/XXXX of information I asked for which they never provided by the 30 days they had to produce but instead sent me a response that clearly in violation of the Hippa law and my rights. I want the items removed from my credit report or I am going to file a law suite
XXXX XXXX XXXX credit cards/XXXX XXXX Florida XXXX XXXX XXXX XXXX on my credit report in which I did not authorize. I want this off my credit report please with your assistance.
I sent for my credit repot & saw ir was low, so contacted XXXX, got the report and from there XXXX file # XXXX & 547 days later, the negative is NOT ME as I reported Identity/cyber theft how/why isn't it fixed after 547 days??? 
I called XXXX on Wednesday, XX/XX/2018 inquiring to the status and the lady filed yet another ( 4th ) dispute??? I followed every direction and I thought it would be corrected by now?!

I put fraud alerts on/with XXXX yet places i.e. XXXX XXXX still using my name? They l XXXX it seems did not provide other credit agencies that I am victim of cyber/identity theft so my credit is so low for my paying everything like a responsible person and no-one contacted me to ask if it is me taking out school loans when I paid mine off earning XXXX XXXX XXXX and paying it ...! 
My HELOC is now over {$100000.00} and I did not use any $ $ yet XXXX put fraud alert and money was directly being withdrawn as agent there should be {$1000.00} in that account insttera I owe all of that and got a phone call saying I can eaxgtend my HELOC although XXXX said it was closed but could not tell me why over seven ( 7 ) years ago????? What is going on because XXXX 's just giving me the run-around and I want my {$10000.00}!!!
I have been trying to fix an error that is reporitng on my credit since I started repairing my credit in XXXX  2017. I have sent numerous letters, faxes, certified letters, phone calls, etc to Transunion to correct this. I recently filed a dispute back in XXXX and they removed one of the inaccurate collections, but failed to remove the other from the same company. Transunion has yet to notify me of who they spoke with to verify that this information is accurate. I have also reached out to the collection agency to rectify this situation, but they refuse to respond to my request. The only thing I need is for Transunion to update and correct my credit report b/c it 's affecting my ability to obtain credit. Thank you! 

The collection reporting is XXXX XXXX XXXX  {$1500.00} Attached you will find the letter that was sent to XXXX.
I have a paypal account, with around XXXX dollars in it. I want to withdraw my money back to my XXXX checking account. I tried two weeks ago, and it shows " Internal server error. '' I contacted Paypal customer service and they did n't reply. I tried again these days and it still shows " Internal server error. '' I tried every approaches, including change browser, clean history but all did n't work. Now they still did n't give me any response, and I really need your help.
An organization by the name of XXXX XXXX out of XXXX, XXXX  misrepresented a colored diamond investment to me and as a result I have invalid charges on a Major Credit Card with the following institutios ; Capital One. A Record of charges is listed below and receipts for the charges are attached. Also attached is an entire history of these fraudulent transactions as well as a local police report, request for documentation by XXXX Police, a Press Release testifying to the arrests of 5 individuals from XXXX XXXX and an FBI referral by the XXXX Police.

Despite this documentation the institution has refused to honor both Fraud Claims. Capital One honored the claim in the amount of {$5300.00} but denied the {$9200.00} claim. Capital One to date has only notified me by phone.
During Equifax 's data breach, my social security, driver 's license, and credit history was taken. All information that was taken could be used to remove freezes from my financial accounts, gain access to my financial, and impact me for the rest of my life. They then tried to take away my ability to seek legal counsel or pursue this through lawyers, after their top CEOs made XXXX XXXX dollars and waited 40 days to release the breech. They then attempted to extort people to know if they have been breech. They then collaborated with other credit reporting agencies and third party services, such as XXXX XXXX, to charge their victims for their failure to protect data we did not want them to collect. They continue to try to extort me for money to secure my financial information by attempting to charge me for services to monitor my credit reports. 

They offer 1 free year, then want me to pay for THEIR mistake. They were negligent on their duty to keep my data, which is taken without my permission, secure. It would also be nice if CFPB would do their job and stop closing my actual complaints. 

XXXX XXXX XXXX XXXX
on XXXX/XXXX/2013 I made a {$20000.00} payment to Ket Bank against my principle balance. After making the payment I confirm by phone with Key Bank that the payment would be applied to the principal only! I later found that they applied it to future payments - collecting a years worth of payments and interest in advance. I also feel they collected double interest for more than a year before their indiscretion was discovered. Now that this loan is paid in full ( and then some ) Key Bank refuses to refund me any and all overpayments made against this loan.
My XXXX son was referred to ER XXXX. The XXXX XXXX XXXX messed up the bills and put my name down as XXXX XXXX instead of XXXX - they also messed up the discharge notes and said we should return in 24 hours to have XXXX when all they did was give him XXXX. When the bills went unpaid it went to Syndicated Office Systems - they were using a different name at the time i believe. They called me daily at inconvenient times and daily I told them they had to collect off my insurance as I 'd already paid {$700.00} of the {$1000.00} bill. They claimed they had and that my insurance had rejected it ( which has resulted in a tw year long fight with my insurance company ). My insurance company still to this date claim they never received anything. In the end, they called me at a really bad time - I went a little crazy at the caller and eventually, after a heated argument, asked what it would take to stop them calling. She said she needed {$150.00}. ( 50 % of the remaining balance ). I said fine and gave her my card details. Little did I realize that it would leave a huge black mark on my credit report because I settled but not in full. 

Fast forward to a few months ago. My wife and I are trying to buy a house and being quoted ridiculous mortgage rates despite putting down $ XXXX and only wanting to borrow $ XXXX. The problem appears to be Syndicated Office System 's mark against me. I disputed it with all XXXX agencies. XXXX removed it immediately and my score went up to XXXX. XXXX closed the dispute with no action taken. So I opened another dispute with them and they closed it with no action taken. So I called them and they said " oh, ok, you do n't owe the debt? We 'll open another dispute '' - and then they closed it with no action taken. I called them again and they told me that Syndicated Office Systems need to confirm the dispute and there 's nothing they XXXX can do. I 've not heard back from XXXX yet. I 've made many calls to XXXX - they do n't want to do anything about it because as far as they are concerned the debt is settled. I made XXXX last ditch attempt and called asking to speak to a someone at VP level or above. I explained the situation and said if they were still unwilling to do anything I would be consulting with a lawyer. She said she would open up an investigation at her end and they had a team that deals with complaints, however, I have to forward proof that they did not contact XXXX XXXX XXXX XXXX of SC. They can not provide me proof that they contacted XXXX, yet I have to provide proof that they did n't? Seems a little screwed up to me. 

My mortgage credit score is being worked out at XXXX when it should be up in the early to mid XXXX - all because of this company. 

I 'm at a loss of what to do now. The credit agencies wo n't remove it despite my insurance company saying the debt should have and did not go to them. 

I 've lost weeks, maybe even months of sleep over this and have resigned myself to paying tens of thousands more in interest on my mortgage than I should be. I 'm hoping by lodging this complaint that this company 's license will be revoked and the company shut down before they ruin someone else 's life.
This company, XXXX XXXX XXXX claims I owe them XXXX dollars. I do not even know for what. They are trying to scam me. I want them to stop bothering me. I DO NOT OWE THEM ANYTHING BECAUSE I HAVE NEVER DONE BUSINESS WITH THEM
I called XXXX XXXX based on a recommendation re : a rental property mortgage. I met with XXXX upon request and gave him the documents he asked for and in addition my XXXX XXXX information to review as well. He stated that this is a small loan as he deals with most large loans. He told me he could save me at least {$5000.00} as XXXX adds many unnecessary fees. 
During most of the process I worked with XXXX XXXX.as time was of the essence. 
Prior to closing on XXXX XXXX I called XXXX re : Points charge {$1700.00}. We had previously spoken about NO POINTS, as the change in interest rate would be insignificant. He agreed. He said just close and if I need to send you a check to make it right I will. And proceeded to give me an example of a customer scenerio where he had given a check. 
After the closing I left XXXX a voicemail message. Yet no reply. On XX/XX/XXXX I sent XXXX a follow up email to XXXX. I contacted my attorney who I had made aware of the situation during the closing. XXXX XXXX sent XXXX an email XX/XX/XXXX. XXXX sent a text from XXXX saying he copied me on an email to XXXX. 
XXXX never once mentioned that the {$1700.00} would be put into points without any % age change in interest. How dare he state that it is a benefit to me as I can write it off! Who is he to decide that? XXXX is overly confident in his position, however misleading and deceptive to his advantage only. I had sent a follow up message to XXXX on XX/XX/XXXX but still no reply. Extremely poor customer service!!