WillisBack/dataset-financial-user-claim huggingface dataset:
Yes, my name is   XXXX   XXXX  . I have written before about this issue with  USAA Federal Savings  Bank Mortgage  Services, Homeowners Insurance Services- in   particular   XXXX   XXXX   XXXX   XXXX    out of   XXXX  Alabama and   XXXX    , w hom  USAA uses to  service their mortgages. I am currently trying to sell my home as a direct result of very exceedingly shoddy service by all the above listed corporations. To the point. Yesterday I spoke with  XXXX   XXXX  of  USAA, who USAA assigned  to investigate these matters.   XXXX   XXXX   was unable to find any voice recordings of myself nor my realtor of   XXXX   XXXX   XXXX  , in  XXXX   Alabama- f or the last  30-days. This is odd as USAA reco rds every call!  Second,    XXXX   XXXX   claimed  USAA does no t provide any informal property appraisal 's. As I explained to   XXXX   XXXX  , why was this simply not originally told to my realator, instead of her being transferred  3-times, and  myself whne I was transferred everywhere but right department at  XXXX  - t his says nothing of  USAA agent I spo ke with simply not telling me this to begin with.   XXXX   XXXX   was also supposed to call my realator and explain this when we humg up and she did not.   XXXX   XXXX   also asked if, I wanted  USAA to re investig ate   XXXX   XXXX   XXXX   XXXX   out of  XXXX  Alabama, and I told her i f USAA was n ot smart enough to figure out on there own they needed to so then I was not going to tell them to do so! Furthermore, I have had issues, as I have told you before with the Probate Judge of  XXXX   County-     XXXX   XXXX   ,  who has ties to   XXXX   XXXX   XXXX   XXXX    out  of  XXXX  Alabama  . I al so told you I have had issue with City of  XXXX , and my  Property Owners Association-    XXXX   XXXX   XXXX   XXXX  . Additionally, I told you,  XXXX  numerous books these entities have various means of lowering residents property value. Therefore I am submitting attached file demonstrating this, as evidence. Sadly, I have been put though ringer by just about everybody since I bought this house last XX/XX/XXXX  - ergo why I  am selling, in large part.  XXXX , renowned authority severa l thousand people  a yer commit  XXXX  due to Homeowners Association/POA  XXXX . I will simply not be  one o f those unfortunate individuals. Any assistance you can provide in this matter would be appreciated.  <P/>  PS : As  I have told you repeatedly,  USAA is run by r etired senior military officers and there are well over  50,000 vete rans in my area- so odds that is some link here are in fact pretty great. But that is for others, such as your organization, to figure out not me.
I applied online for a personal loan ( to help consolidate my current bills ) at Spring Leaf Financial. Main Focus is ... the fact that I was approved and was prompted to set up an appointment with the local office and get my loan. However I went into the location office only to find out that I was not approved due to my income. I was asked to verify and I promptly responded to another set of questions ( scrutiny progress begins ) with all the required documents needed. Providing that I am XXXX ... I understood that time was of the essence.! Nonetheless, immediately when I walked into the office with I was greeted with a denial because of my income and was told I would get a letter. I was like what just a minute here ... this company advertises something totally different from the experience I had encountered. Here is what concerns me I was told ... I would not get the loan due to company policy of my income not being enough. When I asked how could this be when I have an excess of {$1500.00} a month in my budget. I bring home over XXXX a year. Also, I was told that the student loans that I have would be factored into my budget!!! Then I asked how would my deferred student loans be an issue when they are not due and will not be until I graduate in 2018 ( currently enrolled as full time student )??? In believe she made up a payment amount of {$1000.00} per month for my student loans, as if I am not consciously aware of my budget. Providing that my student loans are currently deferred and in good standing according to my credit. She just picked a fictitious amount to personally deny me. Despite the fact that I was already approved online, not pre- approved but approved. More over she stated that was the company 's policy to consider all possible bills???? How can they just make up a payment amount to deny a loan? In my opinion I was approved until I walked into the office and they saw my color of my skin and gender. I feel and still discriminated against and I must say I am very disappointed. More importantly this experience was not an equal opportunity for me.
I have asked for validation that the debt is mine with a signed contract and I have not received anything but offer to settle letters. They stated it is from XXXX but I do n't recall receiving anything from XXXX to that fact.
I applied for a preferred master card with citi bank. And was denied based on my XXXX  credit report. And I don't agree with there decision. My report look good and I was denied based on my race. The application number is XXXX I have a XXXX credit sore and I owe XXXX on a store card. I would like a better redecision with pull my credit fie. Best XXXX XXXX XXXX
OnXX/XX/XXXX I initiated a conversation with loan officer XXXX XXXX of Movement Mortgage regarding obtaining a mortgage. On XXXX XXXX, XXXX I submitted an online application for a mortgage as requested by XXXX XXXX. 

Although I provided Movement Mortgage with all requested documents and information in a timely manner, I did not receive a decision for 43 days. I was informed via a voice mail on XX/XX/XXXX that my application was denied. XXXX XXXX said she would email me with additional information. She did not email or mail any additional information. 

To date, nearly six months later, I have not received any information regarding why Movement Mortgage declined my application.

Movement Mortgage violated my right to Find out whether my loan was approved within 30 days of submitting my completed application. Also, since my application was rejected, Movement Mortgage was required to provide that information to me in writing, not by voice mail. 

Be given specific reasons why my application was rejected. Movement Mortgage was required to give me the specific reason for the rejection or tell me that I had the right to learn the reason if I asked within 60 days.

Movement Mortgage may have rejected by application because of information in my credit report. If so, Movement Mortgage was required to tell me that, and give me the name, address, and phone number of the consumer reporting company that provided the information. 

I believe I was unfairly refused this loan because I am a divorced woman.
I was contacted by a debt collection law firm XXXX XXXX XXXXthat I was being sued for a debt. I have never received any noticeof a letter to dispute, just a court date. I attained counsel and was represented on my behalf by counsel. The disposition was judgement for defendant, me.There was not enough and or wrong information to verify debt. I once again been contacted by the law firm stating " you are in default because you failed to enter a written appearance or by attorney the court with your defense. unless you act in 10 days from date of this notice a judgement may be entered against you. '' this letter was received XXXX/XXXX/15, judgement was entered on XXXX/XXXX/15. also letter on XXXX/XXXX/15 from law firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX asking office of XXXX to docket civil action. (? ) XXXX XXXX XXXX and XXXX XXXX XXXX have a long history of making bogus claims against individuals claiming they owe a debt and that they intend to collect by any needs necessary. There is numerous documentation about this law firm and XXXX XXXX to that claim.
CHASE is believed a Creditor who has in previous communications admitted that their records reflect the lien release was prepared and recorded on behalf of XXXX XXXX XXXX, XXXX. 

I have requested CHASE submit all documents relating to the debt in which was claimed owing or was satisfied. CHASE appears to have concealed information from me REGARDING its involvement. 

Request CHASE produce all relevant documents relating to the transaction in which it were acting as trustee and to state what type of loan or transaction it was involved in : 1 ) Conventional loan 2 ) line of credit or home line of credit account 3 ) Other ( describe the instrument ). 

Did CHASE acquire the XXXX XXXX Promissory Note? When, date? Why did CHASE not record it 's interest? or did it? 
Was CHASE assigned the Promissory Note held by XXXX in 2003? When, date and where was it recorded? Was it recorded with the county recorder or with Mortgage Electronic Registration Systems? 
Who appointed CHASE/JP MORGAN as trustee? Please name the entity, i.e. XXXX XXXX, XXXX XXXX XXXX XXXX. 
Was CHASE/JPMorgan holding title to the real property referenced in the deed of trust declared on the attached document provided. 
Was XXXX XXXX XXXX, XXXX collecting rents on behalf of the trust in which XXXX XXXX XXXX was the trustee? or was XXXX XXXX XXXX, XXXX collecting mortgage payments for a conventional loan?
Synchrony Bank ( working for XXXX ) is not giving appropriate time to receive my billing statements & for me to return payment before they are charging {$40.00} late fees. Synchrony Bank customer service & their supervisor say that they are only required to mail my bill 20 days before the due date, but it is taking 10 days for me to receive the statement. Then, I mail the statement back with payment with 2 days of receiving it ( which is not always feasible if I am traveling or it falls on a weekend ), and then they are taking up to 10 DAYS TO PROCESS THE PAYMENT!! They seem to deliberately be delaying the process, and then THERE IS NO GRACE PERIOD AT ALL before they charge a {$40.00} late fee on a {$200.00} payment/installment. They have charged me {$120.00} in fees in the last year and a half, and I have made every attempt to send my statement back within a couple days of receiving the bill. Customer service was no help at all and said they are n't even required to send me a statement?? I think they are intentionally dragging their feet on processing payments to charge huge late fees!!
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXXExperian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXXThe companies listed above are reporting inaccurate/unverified information.The companies are reporting a paid, closed, or satisfied account as open with a balance. I recently check my credit report and see that UNVERIFIED/FRAUDULENT information is being reported to my account.Thursday, XX/XX/2018, I called XXXX XXXX/XXXX XXXX. I spoke with a XXXX   ID:XXXX which I have a voice recording for proof. The representative stated that Alleged Debt Of $XXXX  was sold meaning the debt was satisfied. The Alleged debt is being reported as a late/open account which is closed and needs to be removed.  The alleged debt was sold to who XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX for $XXXX. With whom I have no contact with, I did not grant permission or authorize the use of my information to be reported in any way. This is identity theft I do not know who XXXX XXXX XXXX is and I demand this information be removed immediately. I have requested that this Alleged that has been satisfied removed from my report.XXXX XXXX XXXX     XXXX                 UNVERIFIEDXXXX/XXXX/XXXX XXXX                 UNVERFIED
XXXX Services contacted me and threatened to file charges for fraud and that I would be going to jail if I do n't contact them by XXXX. They also contacted my employer and said I was being charged with fraud. Then they contacted my parents and threatened to charge them with fraud along with me if we do n't contact them by XXXX.
I wire transferred {$40000.00} to Coinbase , Inc. ( associated XXXX account ) on XXXX/XXXX/XXXX from my XXXX account. Those funds have neither been credited to my Coinbase/XXXX account, nor returned to the originating XXXX account. 

I previously successfully wire transferred funds to my XXXX account, so I assumed a wire transfer would again process smoothly. However, that initial wire was transferred from a different originating bank and account. I subsequently learned that Coinbase/ XXXX requires the name on the originating account to exactly match the Coinbase/ XXXX account holders name. The XXXX account from which this current wire was transferred was a joint account, thus not exactly matching the Coinbase/ XXXX account. Additionally, a code is required by Coinbase on the wire recipient instructions. XXXX XXXX Bank in New York serves as the intermediary bank for Coinbase. 

Realizing the potential discrepancy in the wire information, I contacted XXXX within 24 hours of the wire disbursement to request a reversal. That request was immediately submitted by XXXX to XXXX XXXX Bank on XXXX/XXXX/XXXX. XXXX was informed that the reversal would require a review and authorization, possibly taking greater than 10 business days. I contacted XXXX XXXX Bank on XXXX/XXXX/XXXX, and they confirmed that the funds were received by them and sent to Coinbase on XXXX/XXXX/XXXX. XXXX XXXX Bank stated that they could only reverse the wired funds if Coinbase returned the funds to them, and that I would have to pursue that through Coinbase. 

I followed all XXXX and Coinbase instructions on how to properly inquire about the problem through their customer support system, which includes submitting a service request on their website. I only subsequently received generic automated responses. Their initial email response stated that I would be updated in a few days, but I never received an update. I also attempted to call them on 2 occasions, but both times I was placed on hold for over 45 minutes, with no response, and they do not even accept any phone calls regarding funds transfer problems, only potential account compromises/ hacking. 

Included as attachments are the XXXX Bank Wire Confirmation document and email correspondences with XXXX/ Coinbase. 

My primary concern : If an incoming wire is not formatted to Coinbase/ XXXX specifications, then why does XXXX XXXX Bank accept and process it? The wire should be rejected/ returned if it does not include all of the required information. If the funds are then received by Coinbase/ XXXX, then it seems mandatory that they have established systems to remedy any discrepancies in a timely fashion, with a human customer support representative. It has been 12 business days and 3 weeks since Coinbase received the funds, and I have not received any substantive assistance. 

An acceptable resolution for this matter would be either immediate full funding ( {$40000.00} ) of my XXXX account or immediate wire transfer reversal of the full amount to the originating XXXX account. 

I respectfully ask that you please assist with this matter, and I appreciate the service that you provide to consumers.
XXXX complaint - case XXXX Fedloan Servicing Account XXXX I paid off a loan originated on XX/XX/2013 and it continues to accrue interest and payments. I received a XXXX answer from my XXXX complaint that was unacceptable. I need HELP resolving this issue or will need to hire an attorney.
Experian is reporting opened date and payment history in these accounts wrong, since this is inaccurate reporting please have them removed from my credit report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX/XXXX.
I have a checking account with TD Bank and have had it for 12 years. I am often times charged an OVERDRAFT PD even when I transfer money over from my savings account to cover the transaction. Even if the transaction is still pending, or hasn't even shown up on my online banking summary, it will still be put before my transfer of funds. 

The four most recent OVERDRAFT PD 's are : OVERDRAFT PD XX/XX/2018 FEE {$35.00} OVERDRAFT PD XX/XX/2018 FEE {$35.00} OVERDRAFT PD XX/XX/2018 FEE {$35.00} OVERDRAFT PD XX/XX/2018 FEE {$70.00}
TransUnion is the only credit reporting agency reporting inaccurate information of the bureaus in this case. After disputing numerous accounts that are inaccurately being reported on my credit report, TransUnion failed to delete the inaccurate accounts and continue to refuse to provide me with acceptable proof of the documents used to unequivocally verify and determine this XXXX account ownership. As of now, TransUnion is in violation of federal law as the 30 days allotted have passed and the referenced account has not be sufficiently been verified. Under Section 611 ( 5 ) ( A ) of the FCRA, TransUnion is required to " ... promptly delete all information that can not be verified '' that has been disputed
Without proper notifications Bank of America started a maintenance fee on my account. 

I was going to close this account but then the customer service told me that keep you account open we will give you account for free - or without a fee.

Starting last few months Bank of America started charging me fee for the same. Before charging the fee they did not even inform me of the fee is is coming with proper ways.

This shows tactics Bank of America is employing to increase their revenues by improper ways.

I want Bank of America to fully refund my fee and close my account. I would have close this account as I dont use it anymore. My balance was only {$4.00} and not its XXXX   due to fee.
This charge is for my son 's lease on an apartment while he was in college. We hired an attorney to get him out of the lease because of proven mold issues and negligence. This lease was only signed by him at the time of termination. He indeed turned his key into the office but they are saying that he did not so they are charging him {$100.00}. I was a co-signer on the previous year lease but was not on this second year lease, that is how they have my information. This is direct retaliation for them having to terminate the lease agreement.
I contacted XXXX XXXX the original creditor on two occasion, and ask them to send me a copy of the bill that I owed. The first rep told me he would. 2 weeks later still no bill. So I then contacted XXXX XXXX again and was told to leave a message and someone would contact me, well the rep did. Upon speaking to her I asked her was it okay to record the call she said yes. I explain to her what I needed and she proceeded to tell me if she was able to print the bill she would but she dont have one. She stated that they dont keep records of bills from years ago. So XXXX XXXX  removed it off my credit report immediately. So heres where XXXX XXXX come in a month later XX/XX/2018 posting the same bill that XXXX XXXX original creditorremoved off my credit report
I have disputed this deb on several occassions with this company. In my requests I have asked the company to provide me with specific information pertaining to the debt they say I owe as well as provide me with information giving them authority to collect this debt and report it negatively on my credit report. This company has not fulfilled my request, yet they still are reporting negative information on my credit report. I have advised XXXX that they are in violation of my rights in writing on several occasions yet they still report negatively on my report.
I have dispute hard inqurie on my account with experian and they fail to verify these inquiry on my credit file, and also I have been trying for two months to file a dispute online with experian and it keep on giving me a error message and I have call experian about it and they keep on telling me it will be back up soon and two months now and it still doesn't work.
Issue with : Equifax only Date : Ongoing Problem : Equifax has not updated my credit score or credit report since 2012. My Equifax credit score is 90 points lower than the other two major credit bureaus. I can not dispute or ask Equifax to update my credit report because their website stonewalls me, claiming I give them incorrect contact information. The same information works correctly with the other credit bureaus. 

Detail : When I attempt to access my credit report with Equifax, they tell me that my contact information doesn't match their records. This leads to an infinite loop : I try to update my contact information, and that yields an error message because my information doesn't match their records. 

My credit monitoring service shows that Equifax 's records for me stopped in 2012. 

I've tried using my contact information from 2012. That doesn't match their records. 

I've tried having them send a contact information update form via. post. Some weeks later, a letter from Equifax arrived. The letter states that they can not provide an information update form by post because my information doesn't match their records.
Navient continues to change the amount of Current Amount Due each month. I have never been charged a late fee. However, they continually send me notices saying that because I live in a jurisdiction that has been designated as a disaster area, a temporary natural disaster forbearance has been applied to your loan ( s ) listed below. 
I have not been in a natural disaster area. If I needed help I would call. However, that changes the amount and interest even seemingly though I continue to pay and ignore the fact they are giving me forbearance. 
They do not want this loan to every be paid. They want to continue to collect higher interest. I am working hard to pay this off. 
I have heard of other complaints saying that even when they paid the loan off they continue to get bills saying they owe interest even after paying in full. 
Also they do not recognize my account number with my SS number when speaking with a representative. I only make payments by phone. I do not trust them at all. 
I always ask for a confirmation email and have saved everyone.
I have connected XXXX along with another savings provider to my Chase account for several years. But Chase is now not allowing the account to be linked so I can monitor my savings, budgeting, etc. I am a divorced parent with a child in college and the budgeting tools I am using help me to stay on top of my expenses and monitor my daughter 's educational costs. Please advise if it is legal for the bank to block me from using this site to help me manage my budget if I give authorization for these third party providers? Thanks in advance for your help.