WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I made a payment on my Target store credit card. I did n't realize that the payment was returned until I could n't log into my account one day and found out my account was showing delinquent. I called customer service and was told my online payment was returned unpaid by my bank. She explained that the XXXX in front of my account number were not showing up on my stored account info. I was charged an nsf fee as well as a late fee. This month I made my payment online and was very careful to enter all the numbers as shown on my checking account ( exactly as I do every other bill I pay ). Once again the payment was returned and I was charged an NSF fee. I pay all my bills this way and have never had an issue with any other company. I believe it is their system that is not recognizing the XXXX in the front of my account number. This time I contacted customer service right away ( I 'm not late yet ) and explained and asked if they will waive the fee and they told me no. This is not right and I think it has to be happening to other people. I think it is terrible that they are charging me for something that is clearly an issue on their end. As I stated, I have never had this issue with another company and I pay all my bills this way.
On Monday XX/XX/XXXX, these people called me 5 times. I called them back and told them they would be paid and to stop harassing me or I would contact the CFPB. They said they dont know who CFPB is and that the only way they will stop is if I pay.
To whom it may concern, I recently applied for credit with my bank and was declined because of a low credit score XXXX from XXXX three ( 3 ) months prior. While researching the cause of the low credit score, I found there was no justification for my score to be at such a low mark and I seek an internal investigation on all three ( 3 ) reporting agencies for possible minority individual discrimination. As a United States tax paying citizen without any derogatory reporting and without any paying delinquencies with my creditors, I am seeking to establish a potential law suit to challenge the status quo of the following organization. These agencies consist of XXXX, Trans Union and XXXX. Please inform me about how I can pursue to challenge and correct this matter, XXXX - XXXX
Equifax has exposed my personal information, including name, address, social security numbers, and details of my credit accounts and inquiries. I will be incurring significant time and expense rectifying the damage as a result of Equifax 's negligence.
I went to Western Union to send money to my son in XXXX, CA on XXXX XXXX. XXXX XXXX at XXXX I sent my son the tracking number. XXXX XXXX my son went to pick up the money. He was given a conformation number by Western Union to give to a cashier to pick up the money. When he gave the conformation number to the cashier he was told that the transfer was declined. He called me, I called Western Union and was told the money was picked up on XXXX XXXX at XXXX. I called back on XXXX XXXX to make a report because my son did not receive the money. I was told that it would take XXXX days for them to investigate. I feel this is a practice that is ridiculous and disrespectful to the consumer, me. I sent the money because my son needed money next day. Why do I have to wait XXXX days!!!! Someone has my money and I want to know who!!!!!
An apartment management representative with a personal vendetta claimed that I caused damage to an adjacent apartment. She notified me in writing four days before I was scheduled to move-out. In the letter, she claims that because of a water leak and my negligence I am responsible for {$7.00}, XXXX of damages to the apartment bellow. 30 days later, the firm submitted my erroneous and unsubstantiated debt to a collections agency. The collections agency then quickly furnished this damaging information to the major credit reporting agencies. I requested the collections agency to substantiate the debt, and they mailed me copies of the following documents : the aforementioned letter, a hardware purchase order invoice of {$3200.00}, my apartment 's " move-out inspection '' checklist completed and signed by the firm 's maintenance man and me ( illustrating our agreement of the damage-free condition of my apartment ), the lease agreement, and a " security deposit accounting '' document which shows the amount due to owner as {$7.00}, XXXX, yet all of the credits do not add up to that figure. It 's as if the firm simply invented a number and the collections agency blindly accepted it when the numbers do not add up to my reported debt amount. Unacceptable and unfair.
I am currently behind in payment of my car. I have received several calls a day and today XXXX18 have gotten 2 voicemails about this issue. I am of the understanding that after contact has been made once a day, such as leaving a voicemail, there are to be no other calls made that same day.
On XX/XX/XXXX, I settled a debt with XXXX XXXX XXXX ( XXXX ) for {$380.00}. I received an email with a copy of a letter from them confirming the debt has been settled/paid off the account on XX/XX/XXXX and later received same letter by mail a week later. 

I disputed the account through XXXX on my TransUnion credit report to update my credit file to show that the account has a XXXX balance and has been settled. The dispute return results were returned on XX/XX/XXXX with the following results : Result : Verified As Accurate - It looks like this item is actually correct and that it's going to stay on your credit report. 

Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
This account is settled. 

I again disputed the account on the report directly with TransUnion on XX/XX/XXXX and mailed a copy of the letter from XXXX to TransUnion on XX/XX/XXXX. The dispute results were returned on XX/XX/XXXX, which means that did not wait to receive the letter before making a decision. The dispute I submitted was a manual dispute that required them to wait for the letter or any other attachments for the dispute before making a decision. I later received a copy of their dispute results on XX/XX/XXXX by mail. 

Investigation results for the dispute : Investigation Results - Verified As Accurate : The disputed item was verified as accurate. 

I enclosed a copy of the letter from XXXX, the confirmation for the manual dispute on XX/XX/XXXX for the account, a copy of the letter I mailed TransUnion for the manual dispute on XX/XX/XXXX to reference the dispute, and a copy of the results of the dispute from TransUnion on XX/XX/XXXX.
We departed our home on XX/XX/XXXX for a 28 day vacation across the country. When we left, we confirmed that our mortgage payment of XXXX was automatically set-up through bill pay to get to LoanDepot on XX/XX/XXXX. When we returned on XX/XX/XXXX and collected our mail from the US POST OFFICE, we discovered a letter from LoanDepot dated XX/XX/XXXX informing us that the XXXX ( we always pay extra to reduce the principle ) dollar payment we made on XX/XX/XXXX was insufficient funds for the new mortgage payment of XXXX. Attached to this LoanDepot XX/XX/XXXX letter was a check for XXXX dated XX/XX/XXXX, which was a refund of our XX/XX/XXXX mortgage payment based on what we knew when we departed for vacation on XX/XX/XXXX. They then charged us an XXXX late fee on XX/XX/XXXX and sent in a late fee payment notice to my credit report. When we discovered what LoanDepot had done on XX/XX/XXXX we immediately mailed in a check for XXXX for the XX/XX/XXXX payment and corrected the bill pay mortgage payment to XXXX for our XX/XX/XXXX and subsequent mortgage payments. LoanDepot received the XX/XX/XXXX bill pay mortgage payment and applied that to the XXXX mortgage payment and told us as of XX/XX/XXXX they had not received the XX/XX/XXXX mortgage payment or late fee. We then sent a second bill pay mortgage payment of XXXX to cover the XX/XX/XXXX payment to include the late fee. They received both the bill pay mortgage payment and the mortgage payment check on XX/XX/XXXX and applied these funds to our XX/XX/XXXX and XX/XX/XXXX mortgage payments. Our issue with LoanDepot is they never sent us any correspondence via e-mail ( which we were checking daily and they have on-file ) but relied only on USPS mail which we did n't have any ability to have access to until we returned from our trip on XX/XX/XXXX. We feel we should n't have to pay the LoanDepot late fee and LoanDepot should retract the late payment statement from my credit report. LoanDepot did n't do enough to make us aware of the increased mortgage payment for XX/XX/XXXX while we were physically not at our residence. If they had contacted by both via USPS and e-mail, our payments would have been on-time and in the correct amount.
The action of the debt collector is on a expired statute of limitation greater than XXXX XXXX XXXX. The debt collector acts as fourth party to collect debt, originally XXXX, then XXXX XXXX ( acquired XXXX 2011 ), then indicates current creditor is XXXX XXXX XXXX XXXX XXXX ( debt collector under Federal law is not : A creditor ), and fourth party debt collector D & A Services seeks to collect on the " Re-Aged '' debt. The debt is not owed and the debt collector can not act as " Creditor '', violating Fair Debt Collection Act
***Please see attached letter and full timeline and dates of correspondence with USAA . 

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX. 
XXXX, D.C. XXXX Dear Sir or Madam : I am writing to request your assistance in resolving a missing deposit with USAA Federal Savings Bank. We have attempted without avail to locate {$620.00} of EFT/ACH transfers that were sent by another institution and failed to credit to our account. USAA acknowledges the transactions and yet our accounts have not been credited the money. We have exhausted all opportunities to resolve this matter with each institution and as of XX/XX/2018 have yet to see the money. After nearly 30 days of extensive communication and efforts neither bank is willing to address our concerns or escalate our concerns internally. Furthermore, internet research has revealed that our experience regarding USAAs obfuscation and denials of requests for assistance ( despite clear evidence that USAA was at fault ) is not unique to us. There are numerous instances of similar experiences occurring to others. Based upon our experience, it is also likely that there may be similar situations in which customers have no idea that USAA has simply kept their money without depositing it into their accounts. Therefore, we request the following : 1 ) Assistance in returning {$620.00} owed to us by USAA ; 2 ) Initiate an investigation of USAAs electronic banking practices to address the broader systemic problem of failure to provide clients with timely access to their funds ; and 3 ) Levy fine fines upon USAA that are significant enough to deter USAA from creating similar situations/problems in the future.

We have spent an extensive number of hours with both banking institutions support teams attempting to facilitate remediation and we requested escalation of the matter. We attempted to obtain the name and address of an appropriate level of management and/or a compliance officer to express our concerns in writing. USAA was unwilling to provide this information. In fact, they indicated they would charge us a research fee of {$50.00} per hour to further research the matter of our missing deposits. I have attached a timeline of events for your review.

We appreciate your assistance in resolving this matter and for proactively insuring that others do not have a similar experience.
In response to a public offer, I opened a CitiBank checking account XX/XX/XXXX. As of XX/XX/XXXX, I met the requirements for a {$400.00} bonus, which was to post to my account by XX/XX/XXXX. To date, no bonus.
I contacted XXXX XXXX about a transaction for XXXX that I did not make they told me the would look into it and take care of it. I contacted my local police department first to report the card missing/stolen. I then contacted XXXX XXXX and was told the above then a few days go by and I was told that they said after there review they can not refund me. I have requested to reopen the case and also requested any documentation supporting there decision and all they have done so far is reopen the case. I am still waiting for them to provide any documentation they may have. The bank is XXXX XXXX  witch is XXXX XXXX or XXXX I have been sending message after message to them with no response. This transaction is not part of my spending habits and I thought my bank stated they monitor your spending habits to prevent fraud because they have stopped transactions for XXXX $ or XXXX $ from the same store for me witch was actually me making them but when it came to a almost 1000 $  purchase they do n't block it and do not help me get my funds back. I am also on top of this claim submitting one to the Board of Governors of the Federal Reserve System. Anything you do for me will be of great help. Thank you. Also this was a international charge on top of everything else! And I have never made one before.
On or around XX/XX/XXXX, I received a bill from Navient stating I owed payment for a student loan that I started paying in XXXX and final payment around XX/XX/XXXX. When I called Navient, they claim they just bought the loan back ( I was not notified that they ever Didn't own it ). They claimed they had absolutely no record of any payments maid for this loan. They advised I would have to provide a letter from them stating the loan was paid in full. I did not receive any such letter. The website showed what the final payment was and I paid it. They claim they would not have any record of sending this letter because they just bought the loan back and this is the amount outstanding. Originally the lender was Sallie Mae, and then Navient. I believe federal law requires such records be kept of payments made. They refuse to provide any documentation or information beyond XX/XX/XXXX. As I stated earlier I started repaying the loan upon my graduation in XXXX. They must have some record of payments. I don't want to keep getting told I owe more because the loan was sold. They should be able to provide information on all those payments I made on a monthly basis beginning back in XXXX.
I have been battling with this bureau for the last year to get some inaccurate items corrected on my credit report. I have 5 XXXX XXXX XXXX accounts showing on my credit report that shouldn ' t even be there but nonetheless I 've initiated over 4  separate disputes and most recently I simply gave up because this credit bureau wrecks my score when they updated 1 or more of these accounts and reflected it as a Paid " XXXX XXXX  '' account with the main derogatories reporting as recent asXX/XX/XXXX even though supposedly it 's been paid since XXXX 2015. This has caused a significant drop in my credit score and is preventing me from moving forward on a home loan for my family. I 've attached the document with markers to describe timeline. I feel as if this credit reporting agency allowed for this to happen so they could collect money for creditor reporting and ignored my wishes to remove account. Feels like retaliation and I only wanted the credit bureau to remove the account based on several inaccurate reporting factors and because I never got a full explanation of procedures used to verify the reports. This has caused significant undue stress on my marriage and family because the lender says because of the update from this agency the score dropped and we might lose our house. Please if consumer financial protection can help I would be very grateful. I 'm hoping that the facts can be seen and my rights under the FCRA will be honored. <P/>Thank you, XXXX
I have tried to dispute this before with XXXX, but they apparently do n't want to hear the truth. Clark county collections is saying I owe them XXXX from an original XXXX XXXX XXXX that not mine. I just want to see something with my signature, that shows that it 's mine. I am XXXX XXXX XXXX XXXX XXXX which use to be my XXXX XXXX, I 'm just starting to try to right with my XXXX XXXX. I do n't know how it could be mine, show me my supposed signature.
I saw several charges on my Chase Bank credit card. I wrote the company to validate these debts. Chase did not respond. I wrote another letter. Chase refused to investigate fraud. I contacted the credit bureaus and the account was removed from my credit. Chase Bank reported the invalid debt to the IRS.
Equifax 's negligent, fraudulent mismanagement of client security data is beyond reproach. Their lack of security exposed tens of millions of consumers to identity theft and financial ruin. I was among those who had their data compromised and I demand an immediate inquiry into the company and suitable repercussions for the crimes they have committed by losing this information.
US Bank accepted a deposit of a {$7200.00} XXXX XXXX check at its ATM on XXXX/XXXX/XXXX for our checking account. Shelter 's issuing bank is XXXX XXXX XXXX Bank XXXX XXXX. On the morning of XXXX/XXXX/XXXX our online access account information showed the funds available. This check was to replace the total loss of our XXXX XXXX XXXX When we tried to buy a replacement vehicle, the transaction was denied. When we called US Bank customer service, we were told a Fraud alert was place on account but we could go to a local branch to have the funds released at the manager 's discretion. That XXXX branch manager, said it must be done by our designated home branch manager. That manager said it would need to be released by the Fraud department. 
The Fraud department told us they tried to call XXXX XXXX XXXX Bank XXXX to verify the funds. When the XXXX bank refused, as they were instructed by XXXX XXXX to refer the call to their Home Office, the Fraud department place a hold on our account for seven business days. 
After XXXX hours of customer service, fraud, and local branch phone calls, we were told the branch manager of our home branch had the power and discretion to release the funds. XXXX at the local branch said we needed to have someone from the issuing bank verify the funds. We had the XXXX XXXX Home Office manager in charge of clearing checks, XXXX XXXX, XXXX, talk to the local branch teller, XXXX and branch manager, XXXX, XXXX, to verify the funds. The XXXX bank called them as well. 
The branch manager, XXXX, told us she would not release the funds, even after the money was received from the issuing bank due to bank fraud concerns. 
In the meantime, our account remains suspended. The branch manager claims their action is for our own protection and their against fraud. We are new to their bank, less than a year, but the excuses we received make me shake my head in wonder. Because we are newer accountholders, and the size of the check is larger than previously deposited, and the fraud department made the security determination, they would not accept the assurances of the other bank, the insurance company or us that this was not a fraudulent transaction and used the protocol of holding funds to shield their actual discretion. 
Amoung the numerous calls we made and the in person experience at the XXXX branch, we were told the funds would be released on the XXXX, XXXX and then XXXX. They are sticking with the XXXX. 
US Bank is holding our funds hostage to prevent the purchase of the replacement car, groceries, and whatever else we might need for the principle of fraud protection. 
I own a home, I have my XXXX children, and my wife has her XXXX children. We are both employed. We previously transacted our banking with a credit union. The replacement vehicle is essential to our health, well being and employment. The implication of their anti-fraud effort is insulting and unnecessary. They obviously do n't want our business, but they also need to release these funds. XXXX XXXX already released the funds so they can not replace the check issued for this deposit.
XX/XX/XXXX, I did a loan modification and it has been a nightmare every since. After the modification, the escrow account was not properly funded. They tried to increase my payment to XXXX per month when I am only supposed to pay XXXX. I have been trying to get this resolved since XX/XX/XXXX. The loss mitigation department, identified the issue, stated the issue was on the end of the money source and they would get it fixed. To date it has not been fixed and now they are reporting me late to all credit bureaus.
XXXX XXXX is an authorized user on my XXXX XXXX card account in XX/XX/XXXX.  He signed up for XXXX XXXX to assist with damaging items on his credit report. XXXX XXXX was arrested on XX/XX/XXXX and was sentenced to one year in jail on XX/XX/XXXX. I requested to have my credit card removed from his account on XX/XX/XXXX since he will no longer be needing the services of an XXXX XXXX. I contacted XXXX XXXX explain to them the situation and they stated to me that I would need to provide power of attorney in order to have my credit card removed from his account and refund me XXXX for XX/XX/XXXX. XXXX XXXX sent the power of attorney to me which I provided to XXXX XXXX and they remove the credit card information from the account, but did not issue a refund. I am requesting for my money back because I clearly stated to XXXX XXXX that he was just an authorized user on my card I am the primary account holder I no longer want to be charged {$110.00} per month for an account. 
I called XXXX XXXX on XX/XX/XXXX regarding my refund and the customer service re tells the power of attorney is still is review ( since XX/XX/XXXX )  and I was need to call back again to find if i can get a refund even though an email was sent to XXXX XXXX 's account on XX/XX/XXXX removing my card ending in XXXX from his account XXXX.
I was not well informed by the school or the loan provider about the process and the future implications of the cost of education. Then working with XXXX XXXX and then Navient has been frustrating. I can not afford even the lowest payment they have offered me even though I have a XXXX degree. I am continuing my education just so my loans are in deferment. I know this is not the answer but owing {$180000.00} in private and federal loans, with XXXX small children, making less than {$50000.00}, I have been given no choice in the matter. My hole just keeps getting deeper and deeper and there is no hope in sight.
Unauthorized Charge of XXXX I am writing this letter to a follow up letter Citi Bank sent me on XX/XX/XXXX. I did not authorize XXXX to charge my credit card on XX/XX/XXXX ( on military business ). However, I authorized XXXX XXXX to charge my Citi Bank card for a much cheaper flight ( estimated cost of XXXX ) .If you check the date of the flights, you would understand that I had no need for two flights. While on the telephone with XXXX Customer Service Rep, I told him never mind, but evidently, he booked the flight without my consent. On numerous occasion I called trying to dispute these charges to no avail. While in dispute, I continue to make good faith payments. Further more, how can a person board two planes simultaneously. 
In closing, I am requesting that my money be credited back to my account because that transaction was unauthorized