WillisBack/dataset-financial-user-claim huggingface dataset:
Shameful business practices and customer service. For the past six months I have been trying to pay my mortgage on time and within their grace period, and every month their website mortgage login system is not functioning. When I call them or email them to correct the issue ( XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX ) they claim they are updating their website. Paying through there automated phone system is just as bad as it does not register the account number that I input over the phone. All of this has resulted in late fee charges of over {$80.00} that are a result of their systems! With no appeal or arbitration system in place, they expect me to pay the late fees without question. With no information as to how and when they will fix the issue, I remain in constant fear they will continue to add late fees without justification. More than 30 other MB Financial customers have experienced similar problems with their customer service and practices as you can see by the link. ( XXXX XXXX XXXX XXXX ). Thank you for taking the time to review my claim.
Per USAA, on XX/XX/2018 an individual was able to access my USAA.com account and added an account that they would later use to transfer funds out of my savings accounts and into it. On XX/XX/2018, my account was again accessed and {$4000.00} were transferred into my savings account from an old linked account from another financial institution ( which that account was no longer active ). USAA 's policy is to make those funds immediately available and the individual that initiated the transfer then moved them out of my savings account to the account that they added on the XXXX. On XX/XX/XXXX we received a return of funds and an insufficient funds fee when USAA realized the that there was no funds in the account where the original transfer was requested. Upon seeing that I was overdrawn on XX/XX/XXXX I contacted USAA to report that their was fraudulent activity in my account and USAA started a fraud investigation. Their response came back that there was no fraudulent activity and they claim this by stating the funds transfer was conducted by someone that was logged in under my credentials. 6 weeks later I am still battling with USAA and I am getting no help from them with regards to what I need to be able to provide to them to help plead my case.
I received a settlement letter in XXXX 2015 for {$2200.00}. I have made all the payments and Navient sent my account to a collection agency for the full balance even though I made all settlement payments. I paid off the settlement early and have attached copies of the money order receipts. 

The last I heard from Navient was on XXXX XXXX, when they told me that my payment had been applied to a different account, that they had fixed it, and that I would be receiving a settlement in full letter shortly. Instead, I received a collection letter for XXXX XXXX for the full balance with no mention of my settlement or the settlement payments I made.
I purchased this vehicle XX/XX/2018 under the impression that there was a 3 day return policy which was advertised on the website and conveyed to me prior purchased. I returned the vehicle XX/XX/2018 they then advised me that the warranty didnt apply to this vehicle which I was unaware of. I took the car back and they threatened me that my credit would be at risk. They refused to take the car back and basically forced me to take the car after I advised them I didnt want the vehicle. They forced the vehicle on me only to find out there was over {$1500.00} in repairs that was undisclosed. And this was discovered 2 days after purchase. I want them to take back the loan and to make me whole again.
Back in XXXX I sent letters to all 3 credit Bureaus asking them to provide some proof of an XXXX XXXX XXXX bill in the amount of {$2000.00} showing on my credit report ( that does not belong to me ) or to remove within 30 days. I received notifications and updated credit reports from all 3 bureaus showing they had deleted the account in the amount of {$2000.00} being reported by XXXX XXXX XXXX XXXX XXXX XXXX. I am in the process of trying to purchase a home and now they have reinserted the unidentified account that does not belong to me back on all 3 of my credit report 's but this time it 's with a New Collection agency called XXXX XXXX. I never received any notification 5 days prior stating they would be reinserting items that were deleted back on my credit report. Please delete the XXXX XXXX XXXX bill in the amount of {$2000.00} from all 3 bureaus XXXX, XXXX and Equifax as they are violating the law by not notifying me within 5 days.
I would like a investigation into the accuracy being reported on my MIB file under the fcra. I request you delete the two items that were put on my MIB Record by XXXX. This is not correct, those were reckless driving and that happened in XX/XX/2008, Please delete those two items you have my MIB FILE # XXXX immediate. I will file a complaint with the consumer financial protection bureau if this is not done immediate. Your file is inaccurate and false
I joined  XXXX   XXXX  for a personal trainer, after receiving a personal trainer by the name of  XXXX . We setup payment dates which the money would be taken out on. One week prior to the first payment due, I reached out to  XXXX  to reschedule the first payment.  XXXX  was very understanding and she would let management know about the change.  XXXX  told  XXXX  another personal trainer and  XXXX  said he could change it but he never did.  XXXX  reason for not changing it was because he had personal family issues going on but that is not a good reason not to do your job plus that was unfair to me. So the {$250.00} was taken out of my account and that let me in a bind. The same day the money was taken out, I went up there to get it resolved but they were n't understanding or compliant at all. They said it is what it is and they can not do anything about it in a very rude manner. So I cancelled my membership and they still want me to pay for a gym I stopped attending the same day they refused my refund.
We just received a loan denial. The reason : since per XXXX guidelines the waiting period for the XXXX XXXX XXXX XXXX 2nd foreclosure has not yet been satisfied XX/XX/XXXX The foreclosure by the condominium association on property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX was executed on XX/XX/XXXX. 

XX/XX/XXXX My wife received a discharge of debtor chapter XXXX on XX/XX/XXXX, which included the debt from property located at XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX FL XXXX, ( please, see Discharge of Debtor, attached ). 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX filed a 2nd foreclosure on the same property located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. The current owner which purchased the property from the condominium association, cited a case in their defense that the mortgagors Us had to actually sell the property without the Banks consent in order for there to be a violation or default of this term due on sale of the mortgage agreement. 

XX/XX/XXXX The judge ruled that the Banks claim of violation because of the condominium foreclosure action and subsequent sale of the property to the current owner was not a valid default and accordingly their basis the foreclosure claim was denied. This final judgment closed the foreclosure case with the bank not being able to have the property sold at a foreclosure sale.
debt was paid and banner sent this company an email via XXXX who is an accounts manager that this account is paid in full.
I have received numerous calls from different numbers with callers identifying themselves as from " the litigation department '' of Portfolio Recovery Associates. Callers state that they are collecting on behalf of XXXX XXXX. Callers state that they have a XXXX time settlement offer to avoid further action which I have interpreted as a lawsuit since they are calling from the " litigation department ''. I have asked both verbally and in writing for proof of debt and I have been told that they have provided it. When I asked for date ( s ) or conveyance of how it was sent I am told I am stalling and I need to settle the debt. As of the time of complaint, I have received NO proof or verification of debt from Portfolio Recovery, only demands for payment. As of this date, Portfolio Recovery appears on all three of my credit reports. I have disputed this debt with the credit bureaus. In addition, there is no mention of any derogatory account from XXXX XXXX on any of my credit reports. I currently have XXXX active and open positive accounts from XXXX XXXX with no derogatory marks.
I had my payments set up on auto pay, one month without notice my payment was sent back and I did n't notice. I then became late. I did n't realize the money had been returned to my account. I then call in to find out what was going on and tried to make a payment over the phone. They told me the address had changed and they no longer accepted payments at the address that I sent the payment to. I could n't pay two months at once and they would not accept one full months payment. I updated the address and sent a payment online. My complaint is that they sent a payment i made back anf then refused payment.
Long time cardholder with CITI, no other accounts with them, always 'pay in full ' by the due date, except for a couple of times I forgot and missed by a couple of days, otherwise 100 %. Recently accepted a $ XXXX 'balance transfer ' offer, advertised as XXXX % until XXXX. When next bill comes in, I pay the balance down to $ XXXX and think nothing of it. Next month, same thing, and think nothing of it. This month I check the statement and they 've charged me interest. I call to ask why, and they inform me that " while the balance transfer amount is interest free, you are now charged interest on your " regular '' purchases " because your balance was not paid in full ''. Fortunately I check the statement to see this. 
This is fundamentally misleading, and they attempt to point me to the language in the CARDHOLDER agreement that says, " If you do n't pay in full on time, we charge you interest ''. Nowhere does it make mention of this in the offer of " zero interest balance transfer '', which incidentally they include with EVERY statement. 

They have, so far, refused to scrub off the interest, despite my 'non-balance transfer ' amounts being paid in full each month. Had I know this was how they would turn zero interest into 24.4 % interest, I would n't have accepted the offer. 
These guys are required to clearly post due dates, interest charges etc - this is a DELIBERATE effort on their part to benefit by most customers not knowing, and they certainly do n't tell you anywhere on the offer. 
I have paid the balance transfer and outstanding amounts off, and I am going to terminate the card as I will not do business with such a shady company. 
I would ask you guys to tell them they must make this in big, bold letters so people understand how they are trying to bait you into paying them interest.
In XX/XX/XXXX, Loancare LLC withdrew my mortgage 3 times, {$2600.00} the first 2 times, and {$2400.00} the third time. This issue was eventually resolved but had a ripple effect across the rest of my bills, as I am currently not able to afford 3 mortgage payments. Over the course of the next year, Loancare would not withdraw the funds on or about the desired date, in some cases waiting until past the due date, in which case they would turn off auto pay, add a late fee and then contact us. In XX/XX/XXXX, we refinanced with them to lower the percentage rate. We had auto-pay set up from the get go, but in XXXX we were notified that they do not use auto-pay so the payments we not pulled. Furthermore, when looking into our Credit Report it came to light that Loancare kept our original mortgage on file, so when we called we were told we had two payments per month to make. We made XXXX and XXXX 's payment, but in XXXX when I called to transfer my payment I was told they would not accept any further payment unless I catch up in full for the months of XXXX, XXXX, XXXX, XXXX and XXXX. My bank, XXXX, is tracking ACH transactions in XXXX and XXXX which withdrew the payments, as well as multiple additional attempts to pull money each month. When I addressed the issue with Loancare, they told me they had no records of the XXXX/XXXX   payments and I needed to contact XXXX, which I did promptly, leading to a conference call between myself and the two companies. Despite XXXX explaining that they had proof that Loancare had already pulled the payments for XXXX and XXXX, Loancare is insisting that they never received the payments and I must catch up in full. This is causing me to take a Loan out on my Thrift Savings Plan to catch up with the hope that they do not lose this as well.
i recently check my credit report and saw my XXXX credit card ending in XXXX has been reporting past due look at the information ACCOUNT DETAILS I HAVE NOT BEEN RECEIVING MY STATEMENTS BY MAIL FOR MY XXXX XXXX AND XXXX XXXX Account Name XXXX Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XXXX XXXX, XXXX Account Status Open Payment Status Past due 30 days two times Status Updated XXXX XXXX, XXXX Balance {$6000.00} Balance Updated XXXX XXXX, XXXX Credit Limit {$6500.00} Monthly Payment {$90.00} Past Due Amount {$180.00} Highest Balance {$6500.00} Terms Revolving Responsibility Individual Your Statement - Comments Account in dispute-reported by subscriber Our Top Pick for you. 


The Platinum Card from XXXX XXXX Apply Now Learn More See More Credit Cards Advertiser Disclosure Is everything correct? 

Be sure to review your Credit Report for any unfamiliar information. If you find inaccurate information, you can either dispute the information online or via postal mail. 

View Our Disputes Guide CREDIT USAGE 93 % High Credit Usage Keeping your account balances as low as possible can have a positive impact on your credit. 
CONTACT INFORMATION XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX BYMAILONLY PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX OK XXXX OK XXXX OK XXXX XXXX OK XXXX OK XXXX OK XXXX OK XXXX OK XXXX XXXX XXXX OK XXXX OK XXXX XXXX XXXX XXXX XXXX
I 'm being wage garnished and I 'm XXXX XXXX and need the money. The exchange credit company is garnishing my check that I need to purchase medical supplies, medications, and hospital bills. I need the money for the situation I 'm in from sustained XXXX from XXXX XXXX as a soldier. I remember paying my bills before seperation from the XXXX. This garnishment has n't noticed me or have contacted me about the credit card bill. I canceled it before leaving.g the XXXX. I do n't know how much I owe or how a balance was made. I do n't know anything but missing Social Security XXXX insurance money as they said exchange services have made this garnishment. I do n't know how to settle pr pay this bill. It 's a suprise and the money for my current bills sustaining my health currently can not be paid due to the exchange discriminating my XXXX.
XXXX has been non-compliant with removing the unverified account NATIONAL CREDIT SYSTEMS INC Opened Date XX/XX/2017 which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that NATIONAL CREDIT SYSTEMS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company  they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
To Whom It May Concern, I 've never had an XXXX account in my life but yet a debt of {$73.00} appears on my credit report, so in turn I am sending this letter to you in response to what appeared on my credit report from your company. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 
If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 
This is an attempt to correct your records, any information obtained shall be used for that purpose. 

Best Regards, XXXX XXXX.
Outrageous interest rates and unmanageable payments not ONCE a month but TWICE!! Their goal is to keep you in debt, the payments are so high you ca n't afford extra payments!!! They claim interest rate goes down but absolutely not true!!! XXXX for a XXXX loan for XXXX month all interest! Have made numerous attempts to settle and have been ignored!
This is the third letter and 18 phone calls. I have told them not to call and phone registered on do not call list. Based on a lawyer who had a handling case. They keep sending or calling me and telling me I owe on student debt. All my debt was consolidated in XXXX. Both private and federal and was confirmed by my consolidation company. In the last letter, they now have threatened me to take me to court, file it with the credit bureau and take money out of my income. That they have the legal right to collect on this debt from XXXX.
Debt never occurred Business is out business No refund policies Customer signed form saying no refund policies Company obtained social security fraudulently
I received a letter from a department store - informing me that they will reduce my credit limit if I don't make a purchase in 2 months. Not sure if this is legal, but, I feel they shouldn't threaten to reduce my credit limit, which was based primarily on my excellent credit history. If I don't have a need to purchase anything, why should I be penalized for not using it.
A protective order, a divorce, a complaint with the XXXX fraud unit on XX/XX/XXXX internal invest. On my complaint processed, I was offered an assumable loan, I was in the process of going through my credit union, not legal represented, false filings with court, no signatures or knowledge of PERMISSION from myself, not even served papers, no affidavits by me as joint owner, approved by XXXX XX/XX/XXXX, I took my home 3 x off of sheriff 's sale block in 6 months, paid XXXX mort, payments, bank rep told me no modification even under a protection order and a pending divorce, they only look at numbers, but quit claim deed would be the only way. I was put in a false modification XXXX XXXX by bank representative and my ex without My signature, knowledge or permission, income and other pertinent info., Just a handwritten XXXX letter dated XX/XX/XXXX, from my ex to the bank representative. I was discriminated as I am XXXX, XXXX XXXX since, XX/XX/XXXX and marital status, XXXX, all parties guilty had info on the foreclosure but myself, was not given the right to obtain legal counsel, breach if confidentiality as all my personal info was released with my social security. Etc., all personal information was sealed with the courts XX/XX/XXXX. My income is well above the qualification level. XXXX escalations unit did not contact me or provide a conclusion to my mortgage fraud complaint. I was penalized for??? Criminal charges are my recommendations.. I lost XXXX in equity. I also am an identity theft victim XX/XX/XXXX, identified by the FBI ....
I never received a letter from this company about a debt i supposedly owe. I receive documents about my   XXXX   bill for  XXXX . I only had one account with  XXXX . This company   XXXX   XXXX   Opened  XX/XX/XXXX  is reaging my credit debt. I only had my one account which was in  XX/XX/XXXX . This company saying i open this in  XX/XX/XXXX  of this year. you can look at my inquiries and see i never applied fo   XXXX    services in  XX/XX/XXXX  nor   XX/XX/XXXX   nor  XX/XX/XXXX .
After buying a XXXX rebate eligible product from XXXX, I filled out all the necessary rebate forms and my rebate was approved. I wait the time to receive the card. 

AMEX/XXXX never sent the gift card or was sent back to them by USPS. 

The rebate terms clearly state a fee only AFTER receipt by the cardholder. 
" a {$2.00} monthly service charge applies but is waived for the initial four ( 4 ) months after receipt by cardholder. " XXXXI see this as fraud since when I called AMEX they inform me of the fee and refuses to issue the card in the full amount. Instead I am to be sent a new card with {$2.00} less. I asked for a check but was refused also ( as expected ). 

To further this, the XXXX product that was purchase is an online storage service for 1 year that no longer provides the service.
Credit bureau is in violation of FCRA, 49 CFR 801.56, XXXX- XXXX- XXXX   ACT etc.
I have asked Credit Central in XXXX, Al not to call me between XXXX and XXXX while I am at work. They continue to call me at least two times a day. I could lose my job.
Equifax is reporting a fraudulent Bankruptcy on my credit file. Bankruptcy # XXXX is a fraudulent Bankruptcy that i did not open or authorized for anyone else to open. I have contacted Equifax previously about this account and they have yet to remove the public record from my credit file. They have yet to provide me with proof that I opened this account. If Equifax can not provide me with physical proof that this bankruptcy was opened by me then I would like the fraudulent account removed. This will be my last contact with them before I contact my attorney and proceed with legal action for reporting fraudulent information on my credit file and not providing me with the proof that I opened the bankruptcy.