WillisBack/dataset-financial-user-claim huggingface dataset:
USAA classifies debits as " XXXX '' so that they can break the law and charge their members NSF fees. This has happened to me on three separate occasions. Also, USAA allowed me to make a transfer from a balance that USAA had mistakenly informed me I had, then, charged me an NSF fee for this transfer. I have asked USAA several time to deauthorize an automatic debit, they maintain that they will not do that without me paying a fee which I obviously do not have so they keep allowing the automatic debit and they charge me {$25.00} a pop everytime they do so. USAA has accumulated nearly {$500.00} of fees from my account by refusing to deauthorize the recurring debit.
Complaint was filed with Federal trade commission. Consumer Finance and HUD. NO COMSUMER LAWS WERE UP HELD. 

FRAUD COMITTED BY THE FOLLOWING BANKS!. XXXX Excessive Brokers Fees, XXXX in PA. 
Transferred loan under court jurisdiction when not aloud did not collect from XX/XX/XXXX to XX/XX/XXXX. no TRANSFER RECORDED NO REFINANCING ALOUD NO NOTICE FOR MOST TRANSFERS. 
2.XXXX sister company held from XX/XX/XXXX to XX/XX/XXXX transferred again with out court approval. 
3. Littion Loan Servicing- fraud not posting payments collecting fire insurance when not needed paying taxes when not late.recording less money than paid to IRS Transferred after XXXX FRDULENT COPIES SENT TO CONSUMER FINANCE HUD AND FEDERAL TRADE COMISSION. NOT listed in XXXX district court as having owner ship XXXX Only. 
4. Transferred to Ocwin never collected a dime never signed any thing with this company. Reporting on credit report as fore closing when XXXX XXXX was aloud to foreclose even with a letter sent to comsumer finance by a official from XXXX XXXX stating they had no legal right to collect.. Posted in XXXX district court also. 
5 XXXX XXXX no transfer ever given no papers signed no right to collect. 
In XX/XX/XXXX XXXX person went into the XXXX district court and transferred my mortgage from XXXX to XXXX to XXXX & lt ; XXXX. Where were the reps from these now defunk companies sinceXX/XX/XXXX. Paper work was also fraud. I guess anyone can steel anyones property I have proof of this even in court documents. 

It is required to register right to collect where is the XXXX in XX/XX/XXXX and Littion Loan servicings? 
You as well as the XXXX district court stole my house. Was n't itbad enough that these banks did what they did? 
Iam now XXXX years old with majer health problems brought on buy this, My credit is being ruined by Ocwin bank who never collected a dime and is not registered in the XXXX district to collect.CFPB did nothing as well as Federal Trade Commision and HUD you all are being paid to enforce Comision protection Laws and NONE of you are you all need fired. for you XXXX, Please do publish this and if not I will!
On XX/XX/2018 I reported a fraudulent charge of {$480.00} to Capital One, my credit card company. The company has since issued three adjustments ( debits ) of {$480.00} and three adjustments ( credits ) of {$480.00}. The original fraudulent charge was not reversed. I have spoken with several reps. in the Fraud Department, left messages which were not returned ( XXXX ) and sent two letters, dated XX/XX/XXXX and XX/XX/XXXX disputing the {$480.00} debit. I sent the XX/XX/XXXX letter with copy to the corporate CEO for which I received a postal certified receipt. I have not heard since.
My Son XXXX XXXX was involved in an accident at the age of XXXX. There was a court settlement resulting in a monetary award for XXXX which was deposited into a court restricted CD account at XXXX XXXX XXXX by the law firm that represented the insurance company. I was names conservator of XXXX estate by the court. XXXX XXXX XXXX merged with XXXX XXXX XXXX in XX/XX/XXXX. A second merger with XXXX XXXX XXXX XXXX happened in XX/XX/XXXX. A third merger to the current restricted CD account holder BMO Bank happened in XX/XX/XXXX. The court has now decided that XXXX is old enough to receive the funds with the accrued interest from BMO Bank. Over the years since the funds were deposited, I have not received any correspondence from any of the banks. After receiving a letter and court date from the XXXX Superior Court, I did some research, ( see attachments along with the Federal Reserve Release document, pages 6 & 23 ) and contacted BMO Banks XXXX XXXX at the XXXX XXXX, Arizona branch on XX/XX/XXXX. XXXX XXXX checked out our personal information and created case # XXXX. I was told the result of the search would be completed by XX/XX/XXXX. I left a message for XXXX XXXX onXX/XX/XXXX at XXXX but as of this date have heard nothing back.
Optimum Outcomes, Inc, keeps calling me and stating I owe them money! I have instructed them I do NOT owe them or their client, because I have NEVER even heard of their client. They now call me 2 or 3 times per day and when I say I am going to sue the XXXX out of you if you do n't stop calling and harassing me, they hang up and then they begin calling again the next day! I am SICK AND TIRED of these brassiness harassing calls DO SOMETHING! YOU are the government agency so DO SOMETHING TODAY! They are rude, arrogant and full of XXXX! Get rid of these people today!
XXXX XXXX has repeatedly called my phone, looking for one of their debtors. I have repeatedly asked them to stop, to put me on their " do not call '' list, and to cease discussing someone's else 's medical debt. Instead, they continue to ask invasive questions ( asking if I know their debtor, what my name is, if I use the same offices, what my birthdate and social security number is, etc ) until I hang up. I blocked their number with my cell service and independently on my phone, and yet they still call endlessly and leave voicemails.
X/XX/2017 - I logged into my account to check the amount I owed this month and the amount had nearly doubled. I checked the interested rate, and it was n't that much more than it was the prior month. Furthermore, I decreased the amount I owed below what the original loan amount was, so it did n't make sense that my loan payment amount nearly doubled in the course of a month. 

I have n't spoken to the lender yet because I am worried they will deny it. I 'm concerned that I am being punished with higher payments because I pay more than my minimum monthly payment. Basically, I think they are punishing me for trying to pay my loan off early.
I would like to submit a compliant about CITI card. My card was over charged interest. I called to figure out how the interest was determined and could not get the issue resolved. CITI card is over charging customers.
Late 2016, Comenity Bank/HSN closed my account without cause. I had been paying on the account on time.
COLLECTOR WENT ON MY CREDIT REPORT WITHOUT FURNISH 30 DAY NOTICE AND IS A INVALIDATED DEBT INQUIRY OM MY  XXXX . FAILED TO CEASE AND DESIST.
Wells Fargo refuses to release funds in our account or tell us why it wo n't release funds. 
My husband and I are the successor trustees on a trust account. We opened this account in the XXXX of 2015. At the time we provided Wells Fargo a legal opinion from a lawyer and XXXX written statements from licensed physicians that the original trustee was incompetent. We also provided the pages from the trust naming us successor trustees in such an event. Wells Fargo opened the account and accepted the funds deposited into it. On XXXX XXXX, 2015, Wells Fargo wrote us a letter saying it was closing the account and would mail us a cashier 's check for the balance on XXXX/XXXX/15. It never mailed us the cashier 's check, and it has refused to release the funds or tell us why it wo n't release the funds. The balance which Wells Fargo refuses to release is {$10000.00}. When the promised cashier 's check did not arrive, I went to the bank in XXXX to ask for it. Wells Fargo told me there was a " debit hold '' on it, but it would not tell me any more information. My husband and I then made an appointment to speak with a Wells Fargo banker about this on XXXX XXXX, 2015. Wells Fargo confirmed this appointment by e-mail and telephone, but then no banker would meet with us. After thirty minutes we went to a teller window and demanded to see a banker. A banker finally met with us, and we presented identification and demanded a cashier 's check. The banker said the was a " debit hold '', and we demanded to know the reason for it. The banker asked us to wait while she investigated it. We left after an additional forty minutes and demanded she telephone us with the reason why Wells Fargo would not release the funds. She did telephone later that day to say she was still investigating and it might take until the next week. On XXXX XXXX, 2015, this banker asked us to provide the Trust title page, execution page, and pages naming the trustee and successor trustees. Even though we provided all of this when we opened the account, we had our lawyer provide the requested information to the banker. Now, one week later, without any request by Wells Fargo for any more information, Wells Fargo continues to refuse to release the funds and it refuses to say why it wo n't release the funds.
i have been advised by my realtors to contact this Bureau. My husband andI acquired a Home Equity Line of Credit in XXXX of XXXX. The prepaymentphase ended this past XX/XX/XXXX. Uneducated and unaware, wewere caught off guard and can not afford the payments. Our home is vacant, we own another home, in the city where we work and live, we aredesperately wanting to sell, sell, sell, the home, but it is not selling. We havereceived a cash offer on the home, a lowball offer, and we have applied for ashort sale with our primary plus our secondary mortgage lien holders. This isthe very beginning stages, I am still faxing in documents. However, the mostrecent appraisal on the home shows {$230000.00} on XXXX XXXX, XXXX. Weowe $ XXXX on the home. This does not include the HELOC which is over XXXX. I haI have missed XXXX payments on the HELOC. But like I said, I am applying forShort Sale status, in the hopes that I get another offer, if this offer does notgo through. At any rate, I have NOT enough equity in the home to pay backthe HELOC even if I were to get an offer for the appraised price. I am not surewhere to turn.
Bank notified me of over drawn account due to fraudulent debit card transactions not authorized by me. Bank told me to disputed the charges, and required me to make deposit into the account because it was overdrawn due to fraudulent transactions.
I have XXXX private student loans through wells fargo. I pay and have paid each month since the inception of my loans. I often " pre-pay '' or pay early depending on my pay days. I was not aware until today ( some XXXX years later ) that if I pay prior to the issuance of a billing statement that, rather than apply that money towards the monthly amount due and owing, wells fargo instead makes a double payment for the prior month and then shows me delinquent the following month. This has created a snowball effect where I am paying early but because they applied a previous months payment to the prior month thereby doubling the payment, I am then delinquent and when I think I am paying early, due to their applications of payments, I am actually paying a false delinquency. I have called previously and was never told I can not pay early. So now, I have faithfully paid my student loans for XXXX years and they have falsely reported that I am delinquent to my account which is now on my credit report. I find it inconceivable that because I paid an amount early, before a statement is issued, that I would be penalized the following month with bad credit reports and late fees. I have never missed a monthly payment yet because according to them " I can not pay a bill before it is issued/exists '' that I was correctly reported delinquent despite pre-paying the loan. I spoke with the Wells Fargo, also disputed my credit report and have not had the problem fixed. They simply repeat that I because I paid " considerably early '' I was delinquent the next month and the credit reporting was correct. I have never had this be an issue with any other institution regarding an auto loan, a personal loan, and/or other student loans. I can say with total honesty, what they are doing is deceptive and probably has affected other similarly situated borrowers. I am lodging a complaint here as well as considering initiating a class action against Wells Fargo. Penalizing a borrower for paying early so that they can collect late fees and/or report false delinquencies is the definition of bad faith. I am extremely disturbed that such a practice would continue despite their other rulings for bad credit practices etc. Be warned, if you pay a student loan payment before the " Statement is issued, '' it will go to an extra payment for the previous month, you will be deemed delinquent for that month, and you will have a negative report issued to the credit bureaus. Wells Fargo did nothing to work with me to understand the issue but simply repeated the false refrain of " Our credit reporting was correct. '' This is the worst banking institution I have ever dealt with. Avoid Wells Fargo like the plague.
Three times I have submitted requests to the  XXXX  individual credit bureaus as well as  XXXX   XXXX   XXXX  requesting the inaccurate reporting of the late payments in  XXXX  &  XXXX   XXXX  to be removed for all  XXXX  of my federal loans with acct numbers  XXXX ,  XXXX ,  XXXX , &  XXXX .     The agency reported a timely payment in  XXXX   XXXX , 60 days late  XXXX   XXXX , & 90 days late  XXXX   XXXX  for all my accounts. During this time I was struggling with the company to approve my IBR. On  XXXX   XXXX ,  XXXX  I spoke to agent #  XXXX  with  XXXX  who retro-acted my deferment to  XXXX   XXXX ,  XXXX  to be active until  XXXX . I followed up on  XXXX   XXXX , to ensure my account was current was spoke to a man,  XXXX , @  XXXX   XXXX  ( MST ) who stated I was in deferment with a bal of {$0.00} since  XXXX   XXXX .     Every time I have requested the inaccurate reportings be corrected  XXXX  places a remark of " Dispute resolved, Customer disagrees. '' Nothing has been resolved. I was in deferment so the late notices should be removed.
Green Tree Servicing give and and all personal information to anybody that called them or that they called. And blew my phone and my family 's phones all day. They were very mean and made rude comments to us.
I was illegally denied a loan mod with Bank of America, loan # XXXX. They said I maede. They used data from original loan application {$7200.00} per month. They had acces to tax returns stipulated in loan app. I told them I made {$2800.00}. per month. They sent me a letter stating the XXXX per month as a reason for denial. Please forward this info to current XXXX XXXX. In addition they violated a bankruptcy stay to initiate a foreclosure. I filed another Chapter XXXX BK. The mortgage was dischared under case # XXXX in the XXXX XXXX of NY. Bank of America sent me a notice that they had written off this debt with the IRS. Then they sold loan to XXXX XXXX XXXX and are now trying to evict me. I just noticed the Settlement last Friday with XXXX Bank. I am requesting the same result since this is a mirror image of a business practice. They also have faile to answer a QWR. I am requesting enforcement action to compensate me with a monetary settlement, an immediate cease and desist from any further collection activity, and relief from any judgement. Please contact the above parties ASAP to settle this once and for all. Please inform XXXX that they must provide chain of Title to you, so that you can verify the fraud.
Castlepayday.com charged me 700 % interest without my knowledge on a XXXX loan.
LendMark Financial Services recently acquired XXXX XXXX XXXX in XXXX 2016. 
Consumer is a XXXX XXXX loan customer. An original loan in the amount of {$2000.00} + {$1000.00} with XXXX were granted to consumer in XXXX, WV store. The loan are rated sub-prime and loans APR are 24 % - 27 % to consumers with limited or marginal credit. Or less credit than most. 

Since Lendmark acquired XXXX, all loan requirements and paperwork are different to the XXXX consumer ; if loan funds are added the consumer must comply with inflated APR 's in each state. The APR can increase from existing loan amount sto a maximum of 36 %. 
Consumers are held to LendMark standards and no longer to the XXXX requirements ; means if consumer needs additional funds all loans are under new rules and regulations. 
Consumer contends that LendMark offers predatory loans and should have grandfathered -- XXXX loans with similar rates to the contracts signed at the time of lending. And, due to acquistiion consumers facing inflated APR amounts is n't fair practice. 
In addition, if consumer chooses to re-finance and/or pay-off a loan from one store to another ; why is consumer being rated at higher inflated APR rates ; due to state by state laws. 
LendMark Finanacial Services should not be providing predatory loans and inflated amounts merely because of acquisition ; and the purpose to recover acquisitions losses ; whereas the consumer will eventually be a part of said purchase.
These XXXX accounts are not mines. I have filed complaints with the Florida Attorney General. XXXX XXXX also tried to lower bill to make me pay. Neither company sent me this debt prior to posting to credit report.
A while back I was contacted by  XXXX   XXXX  about a credit card debt. I informed them that I had not opened credit card account with them. I also requested at that time to send me a copy of the application bearing my signature as proof of this obligation. I never got anything from  XXXX   XXXX  but a letter stating they had sold my account to  Portfolio Recovery Associates. When I received a letter from Portfolio recovery I replied with 2 certified letter s requesting proof of the debt, that proof being a signed application bearing my signature proof that this was my obligated. So far all they have sent me is statements which they claim is proof of the debt, which it is not. I explained to them that they purchased bulk debt from  XXXX   XXXX  without checking its validity. This debt is NOT mine they have FAILED to provide valid proof, that being a signed legal contract which bears my signature. Recently a negative mark was placed on my credit report noting this invalid debt. They statements they have sent are not proof of a legal obligation.
I contacted XXXX XXXX, Equifax , XXXX, and XXXX in reference to XXXX XXXX XXXX XXXX report that I was 30 days late in the month of XXXX XXXX and XXXX XXXX. The car was paid off and sold in XXXX. The automated system states they have no information for an account with my social security number. I have called and spoke to the office of the president numerous times and they continued to give me the wrong information. I spoke to XXXX ID # XXXX who refused to give me his information. I requested he fax a letter showing the car was paid off in XXXX. XXXX ID # XXXX stated that they received payment in full via money Gram XXXX/XXXX/XXXX. At the time I was paying the car off the payoff information was wrong per office of the president. They are reporting conflicting information with Equifax , XXXX and XXXX.
Heartland ESCI charges for all payments except for AutoPay. It is a {$2.00} charge to pay online and a {$10.00} charge to pay over the phone. These fees are excessive and unfair. You should not have to pay a fee to pay your bill.
I deposit checks from my phone over the internet. The bank has set a limit on the amount of money I can deposit with my phone. If I pay them {$12.00} per month more than I am currently paying them ( currently {$12.00} service fee ), I can deposit as much as I want over the internet. This makes no sense to me. I can deposit as much as I want if I walk into the bank and make the transaction. It costs them more for me to deposit funds in person ( building upkeep, heat, A/C, electricity, employees to be there whenever I decide to come in ) than to deposit over the internet. I do n't think it is right for me to have to pay the bank to give them money ( make deposits ) that they are already using interest free.
I was advised to get a " CORELOGIC TELETRACK ''. tHEY SENT ME THE REPORT THAT HAD A COVER LETTER WITH MY CORRECT NAME AND ADDREES XXXX DOB XX/XX/XXXX LIVING THE LAST 34 YEARS AT XXXX, FLORIDA XXXX but the documents inside where for XXXX at XXXX, FLORIA XXXX WITH A BIRTHDAY XX/XX/XXXX.in XX/XX/XXXX i had problems with identity theift with the IRS. IT Took me almost 3 years to sort out this theift. Now it appears someone is stealing my ID again. 

I don '' t what to do. Can you make this complaint? 
THANK YOU XXXX XXXX, Florida XXXX Email : XXXX Phone : XXXX
Lvnv funding , LLC. is reporting a debt on my credit report I have disputed with not only the reportimg agency but also with another debt collecting agency named XXXX, XXXX XXXX, XXXX XXXX have now filed a small claims suit over this debt against me, after numerous threats. LVNV Funding , LLC has not validated nor verified that I owe this debt. I have no recollection of ever having this debt or owning this account. This debt has also been re-aged on my credit report. I have belief that this an illegal tactic between LVNV Funding LLC AND XXXX, XXXX XXXX XXXX, XXXX.
I am writing about the money which you are claiming on the above account. I can confirm that I am unable to pay the money which I owe in full. However, I can raise {$900.00} and I want to offer this as full and final settlement of the account. I am making this offer on the clear understanding that, if you accept it, neither you nor any associate company will take any other action to collect or enforce this debt in any way and that I will be released from any liability. If you accept this offer, please confirm that you will mark my credit reference agency file to show that the above account has been paid and closed. I can pay the amount I have offered within of receiving your written agreement of this offer with installment payments of {$10.00} a month until it is paid in full. Please give me details of how I can pay. I look forward to hearing from you. Yours faithfully, XXXX XXXX XXXX
they put tax lien on my report and then removed it and then put it back on my report again
I found out about the debt when trying to refinance a mortgage. LVN Funding LLC was on my credit report the debt {$400.00} XXXX XXXX XXXX on XX/XX/18 an old account that had been settled. I attempted to contact LVN funding to discuss the debt noting had been settled and was told this could not be removed from my credit report.