WillisBack/dataset-financial-user-claim huggingface dataset:
I will begin with the fact that USAA is well known for manipulating their customers accounts. If you make a deposit or withdrawal they will move the dates in order for them to collect more fees. I actually have proof of this happening in my account. The most recent occurrence of my account being manipulated was on XXXX/XXXX/2015. I made an immediate withdrawal of {$1800.00} from a local branch which USAA partners with to obtain a cashier 's check in the entire amount withdrawn, similar to an ATM withdrawal but due to the amount it needs to be completed this way per USAA. However, my USAA account statement shows the withdrawal was made on XXXX/XXXX/2015 which is a significant deficit of days and cashiers checks are immediate. I kept all receipts of withdrawals to prove this. I also paid a bill which cleared after a deposit I made in the morning of the XXXX XXXX only to have it magically appear before the deposit, even though it was n't made until after the deposit was made. My next instance happened on XXXX/XXXX/2015 when I deposited via my phone a US Postal money order in the amount of {$310.00} in the morning at approximately XXXX XXXX it was later that day after my deposit which is immediate when made from the mobile device that one of my auto drafts for billing cleared. Once again my account was manipulated and my deposit was moved to after the ACH draft attempted to clear as to make it appear that no funds were available at that time so USAA in turn could charge me an overdraft fee. Then when my check which was written out to my housekeeper in the amount of {$85.00} cleared they once again manipulated my account and charged me not once but twice overdraft fees when you can clearly see on my account statement there were funds available and the check itself did clear the first time. When I spoke with a customer service rep, they told me they could not fix it because it was their computer who processes and they can only see the process. Now, if it is my money and I can see that enough is there to clear any debits or checks they can not do things behind the scenes in order to make more money. I am in the process of changing banks and I want the FTC to look into USAA and their practices as I am not the only service member who has experienced this. I want those fee 's refunded as there was money in my account and I also want their " system '' to reflect actual dates and times of transactions accurately. Again I have proof of all that I have alleged and would be more than happy to hand it over to anyone who wishes to see it. I want to ensure this stops happening to those of us that serve. Thank you
The major credit reporting agencies currently charge consumers for a credit freeze. 

It is unconscionable that these companies use our personal information without consent, and do not properly protect the data in their care ( see the recent XXXX breach ), and then charge us to freeze our credit reports. 
All credit report freezes/unfreezes should be free, especially in the light of the recent XXXX breach that put 140 million people at risk of identity theft. Credit reporting agencies should n't be able to profit off of their own negligence by charging their unwitting and unwilling consumers for a credit freeze/unfreeze.
Payment XX/XX/2018 of {$2000.00} paid to a law firm. 
Requested to have case put in a Jury trial court. 
after payment was made a agreement of {$500.00} to be paid monthly for a total of {$3500.00}. 
lawyer continued adjuring case until full amount was paid. 
lawyer never brought case to proper court house. 
After last payment was made lawyer relieved himself from case. Refused to bring case to a jury trial. 
Disputed with credit card company and they did not return funds after I requested a refund from lawyer. They state it is non refundable. open a investigation and they did not reverse it. Then I sent in a letter for a re investigation and they did not re investigate it at all. I had asked for proof and they refused.
I signed up for Experian for a one time credit report. I purposely reviewed the terms to ensure I do not get residual billing. I was satisfied and bought my credit report. Now, since XXXX XXXX, I have been charged for credit monitoring service I never used ( no logins, views ) nor purchased. 

I spoke with Experian on XXXX/XXXX/XXXX at XXXX PT. XXXX answered the phone and he refused to refund my residual billing. I talked to a supervisor, XXXX, and she refused to reverse my resodual billing. I asked XXXX if there is another escalation I could proceed with, she said 'no '. 

The website is grossly deceptive. I previously heard about possible residual billing without permission and I still was charged. 

Please help me get my charges reversed and send corrective action to Experian. They are deceptive.
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, Experian and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX XXXX, account number XXXX ; 2. ) XXXX XXXX XXXX, account number XXXX ; 3.  ) XXXX XXXX XXXX, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
I CAME TO A SETTLEMENT AGREEMENT WITH FBCS INC ON XXXX XXXX 2015 FOR THE AMOUNT OF {$320.00} and they have sent me an outstanding balance letter of {$210.00} stating I still owe them money. The conversation was recorded on their end and also recorded on my end. I would like this resolved to show I have a {$0.00} balance as agreed to on the phone.
I have a collection account that has a balance of over $ XXXX for an apartment that I vacated while attending college in XX/XX/XXXX-XX/XX/XXXX. The account balance I received from the apartment complex as of XXXX/XXXX/XXXX was {$2900.00}. The collection company reports the balance as over $ XXXX. I checked my credit report for the XXXX time ever in XX/XX/XXXX and saw that the collection company opened the account XX/XX/XXXX, but the balance was already at over $ XXXX. 

*Left the complex XX/XX/XXXX with a balance of {$2900.00} *XX/XX/XXXX- collection agency reports balance of over $ XXXX *Monthly rent was {$410.00} and another person did move into the room within 2 months of my departure. 


On XX/XX/XXXX, a letter of validation was sent to Phoenix Recovery via certified mail to validate the debt, as the amount is extremely high and I have not received anything from the apartment complex or any paperwork from Phoenix Recovery, stating additional charges were owed between XX/XX/XXXX and XX/XX/XXXX. The letter was also sent to all XXXX credit bureaus. Phoenix Recovery did not respond to the letter at all ; not even mailing a bill. Although, they did respond to the credit bureaus. None of the credit bureaus will remove the debt, even though Phoenix Recovery has not complied with the Fair Debt Collection Practices Act. The letter included my updated mailing address and phone number so there is no reason that Phoenix Recovery would be unable to contact me. 

I understand I have an obligation to pay for the balance of the debt plus applicable fees for the last few years, but the balance is extremely unreasonable and unjustifiable. I also can not pay a company that does not communicate with me. The validation letter is attached along with the pay or vacate notice with the balance due ( along with the dates ). I 've also attached the part of the credit report with the collection information on it. I appreciate any assistance in resolving this matter so I can satisfy my obligation.
I filed a remodification back in XX/XX/XXXX with XXXX XXXX XXXX my payment was $XXXX, everything from principal,interest and escrow was rolled back into the loan.I paid 5 payments of this amount.  Then XXXX XXXX XXXX sold my loan to Fay Servicing based out of XXXX  Illinois, I paid 3 payments to them, on XX/XX/XXXX they raised my payment upto $XXXX,they it was because my escrow account was behind. I can understand a few dollars behind they raised my payment $XXXX a month.  So I asked for proof took them forever to give it to me, but still made no since how I could be behind . I tried to do a remodification with Fay Servicing, I sent the remodification pack to one case manger,they then assign to a new case manger he couldn't find my papers,so I had to sent it again. This happen 4 times, I hired The XXXX XXXX XXXX, they were helping,but it didn't work out with them. My Foreclosure date was XX/XX/XXXX I did get a email from a case manger from Fay Servicing saying they finally got all the paper 2 weeks before that and Foreclosed anyway.  I hired XXXX XXXX, he help me stay in the house until XX/XX/XXXX, that when Fay servicing lawyer, XXXX had all of my stuff put on the street. I filed Civil suit but XXXX bullied into dropping it or they would sue me for $XXXX   in back rent. So I drop,then I found out about this law suit against Fay Servicing. My lawyer said I cant sue them twice, Fay Servicing fraudulenly stole my house. The last case manger I had was XXXX XXXX,he said he had everything he need to review my case, but as to know surprise,when I called for him,they said he no longer work here
Capital One thru XXXX has been garnishing my wages for a debt that is well over 7 years old. They have violated my rights under the FDCPA Fair debt collection act. In XXXX XXXX, XXXX Capital One had a Civil Action against me. XXXX, XXXX XXXX XXXX filed it on Capital One 's behalf of a credit card debt of around {$1000.00} ( I dont know the true balance ) in XXXX County Oklahoma. I was never informed of this court hearing. I found out when on XXXX/XXXX/XXXX when Capital One started garnishing my wages at XXXX % per paycheck. The paperwork was supplied by my employers, not Capital One or XXXX, XXXX XXXX XXXX. That was when I contacted XXXX Co Courthouse for documents of the Civil Action. The balace of the bill was {$4800.00}. That was about XXXX times the accual amount of the bill. Then I moved from Oklahoma to Florida in XXXX XXXX due to the tornadoes destorying my home. 
In a new job in Florida I was yet again getting my wages garnished on XXXX/XXXX/XXXX. Capital One again thru XXXX, XXXX XXXX XXXX was garnishing wages at XXXX %. I called Capital One and they told me I would have to contact the lawer firm handleing the case. I called XXXX, XXXX and XXXX and tried to settle the case due to financially difficulties I was having. I was informed that they would not settle and if I didnt pay the full amount they could go to court and get me to pay more money than I owed. XXXX, XXXX XXXX XXXX didnt record my phone call and the woman I was speaking with refuse to tell me her name. She was cussing at me and telling me the firm and Capital One owned me and they could do what ever they wanted to get payment, the court was on thier side. About 4 months later I was contacted by XXXX, XXXX and XXXX about settleing the debt. The man stated he was authrized to allow the amount garnished to be enough to settle the debt. He would be sending me a letter in the mail stating the debt was settled and considered paid in full. The letter never came. I tried to contact XXXX, XXXX and XXXX at the phone number he provided and it was disconnected. Then called the phone number on all the papwork and was hung up on. Then on XXXX/XXXX/XXXX Capital One allowed XXXX, XXXX and XXXX to garnish my bank account. They took {$1000.00}. 
Captial One and XXXX, XXXX and XXXX has never once contacted me on any of the court cases against me. XXXX has XXXX County Court house where the judgements are coming from. The debt is well over 7 years old and doesnt even show up on my credit report anymore. Plus the fact that they settled with me and yet still coming for money and the XXXX Co Court is letting them. I know now that Capital Once and XXXX, XXXX and XXXX lied to me about the settlement as I have never gotten the promised settlement letter.
The American Express credit card from XXXX has decided to close all the present accounts and transfer to a XXXX Credit Card. Upon closing the accounts ( Nationwide ) XXXX consumers will be subjected to a hit on their credit report for American Express closing these accounts. There is nothing any of the XXXX American Express credit card holders can do. As soon as their cards are closed ( By XX/XX/2016 ) all consumers will have their credit scores negatively impacted by closing of these accounts. There is nothing that can be done. I tried to keep the account open, they will not and no other consumer will either. This is a business decision done by American Express which will negatively impact XXXX consumers credit scores/reports ( including my own ) by closing this credit card account and opening the new account. I contacted American Express and they indicated that there is nothing they can do and that each person can contact all major credit companies and dispute this on their own, which is not only something an unsophisticated consumer will not do, but since Amex is closing the accounts, nothing they will do either. This is an engregious practice negatively impacting the credit scores of a a large number of consumers for the whim of American Express.
I got a call from National Credit System Inc. ( XXXX ) about a debt that they were attempting to collect. It was {$120.00} for a cleaning on an apartment I used to live in in XX/XX/XXXX and XX/XX/XXXX. The problem is, is that we didn't leave the apartment dirty, it was actually cleaned before we left but I can not prove this. The main and pressing issue is though, that I never received back my security deposit, in which this {$120.00} should have been deducted from.

The original owners of the apartments sold it to another entity a few months ago, and it is the new entity that has sent it to collections. I am having a hard time trying to prove that we paid a security deposit, because I can't find a copy of the original lease from XX/XX/XXXX toXX/XX/XXXX, nor will they give me a copy of it ( claiming that it was in the files they received, which is a lie ). The collectors ( NCS ) won't give me a copy, and the new apartment landlord says they handed over all their documents and copies to NCS.

I'm stuck in the middle because I can't find a copy of the lease to prove we paid a security deposit, and that it was never returned me as required by law and the lease agreement. So if I could get access to the original lease, I can prove that there was a security deposit that the {$120.00} should have been deducted from, with the rest returned to me. The new landlord won't acknowledge that there was a security deposit, even though they forced us to pay a full month 's worth of rent as a security deposit, stated clearly as SECURITY DEPOSIT, not last month 's rent. I need help getting that original lease and help dealing with the collections.
InXX/XX/XXXX, I made payment arrangements with Client Services regarding Capital One Bank, N.A. to settle the account in full under the condition that they would remove the account from my credit report. The company agreed. I have been unable to get this removed or updated on my credit report. I was told that it would be removed. That has yet to happen and its been over a year. They also have told the credit bureau that the account is reported accurately and that is not the case. Payments were made and the settlement letter was sent, but a year later, after exhausting all attempts at having Capital One Bank NA/Client Services remove the account from my credit report, they continue to report negative information on my reports. Account is closed and paid so it needs to be removed from my report. Account Number XXXX XXXX XXXX XXXX, reference number XXXX, Creditor : Capital One Bank, took payment to close this account on XX/XX/XXXX.
Clark County collection agency is garnishing my wages without providing me documents for the debt that is owed. I emailed the collection company asking for proof of debt. I have not heard anything from them.
A collection debt is being reported on my credit report at all three credit reporting agencies that I does not belong to me. This is the second time that this debt has been reported to the credit agencies. This is also the second time that I am reporting this to CFPB. The first time was compliant number : XXXX. 

The first time the debt collections was reported by CONVERGENT OUTSOURCING and this time it is reported by XXXX XXXX. They have changed the debt amount by {$1.00} apparently to get around the requirement that this is not the same debt. The debt belongs to : XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX My name is : XXXX XXXX, not XXXX, and I have never lived at the address in XXXX. I do not have any money due payment to XXXX, nor have you or anyone else contacted me regarding this overdue account. 

I have previously contacted Convergent about the debt and they responded through you saying they needed more information to identify me. The contact email address they provided was incorrect. I have already provided in the compliant sufficient information to identify who I am and my credit report. There is only one collection account in my entire credit report and that is from convergent. Therefore, it should be obvious which collection account is incorrect. Also, the collection account records from Convergent are for someone with a different name and address to me.
Moved from XXXX XXXX, XXXX to XXXX, XXXX XX/XX/XXXX. Cancelled my XXXX ( internet ) # XXXX but for some reason the account was not cancelled as I requested and XXXX kept withdrawing from my auto payment from XX/XX/XXXX to XX/XX/XXXX. I started calling in XX/XX/XXXX to XX/XX/XXXX to complain. 
Nobody could help me until XXXX XXXX supervisor in XXXX transferred and credited the {$420.00} from the original XXXX account to my new XXXX acct # XXXX. 
Today, XX/XX/XXXX, I got a debt collection from Sunrise Credit through the US Mail stating that I owed them {$420.00} from old account. 
Talked to sunrise credit company and XXXX, even went to the store, but nobody seems to be able to help me. 
I called 13 times to XXXX, but still ... nobody seems to be able to handle my case. Their cust service agent created XXXX cases before, but nobody ever followed up and every time I have to repeat my story without any recourse of talking to talking to their manager / supervisor, because of their PROTOCOL. 
Last conversation with their billing dept, lady with ID XXXX, she has to create a new case # XXXX. 
Just FYI, I had been talking to Cust service dept, Retention Dept, Billing Dept in US or in XXXX but so far no luck.
I am ally bank customer - checking and savings bank account. I scheduled a Bill Pay facility to pay $ XXXX to my spouse who is also having Ally bank account. Check was supposed to be delivered on XXXX XXXX, 2016 but it never happened. Moreover to my surprise the $ XXXX was debitted from my account on XXXX XXXX, XXXX how come that is possible? Firstly check should be delivered on time. Secondly money should come out from my account only when the receiver en cashed it? Moreover even when receiver deposits the check into his account it will take 3-5 days for the entire money to be available in his account even when it is ally to ally transfer. So why ally is in a hurry to take money out of my account so early - much before the check is reached the received? I am writing this on XXXX XXXX, 2016 morning. As of now receiver has n't received the check which he is suppose to receive by XXXX XXXX, 2016.
wells fargo bill me for atty services XXXX, XXXX this is the XXXX time they did this and do n't explain it. There a court date on XXXX XXXX, About a settlement for judgment, they need to explain things to me. 

And they s/b be suing the XXXX who created this mess, thinking they could foreclose on pty that the bank owns, by not serving them.
I was a student at XXXX in XX/XX/XXXX-XX/XX/XXXX. The school opened up our financial aid accounts and loans and was later on shut down for financial aid fraud. I have written to great lakes loan company and eventually received a letter that my loans would be dismissed. The loans keep showing up on my credit report along with late payement remarks. As far as the loans go Great Lakes refuses to do anything about the issue. As far as the late payments go I ask that those be taken off as I had no idea payment should be made due to my loans being taken off. XXXX frauduantly opened these accounts. Who is to say I received all the money I should have received or it went to the right places? I would constantly get emails that payment was submitted to me and the financial aid office would say nothing was there. it was very shady. I refuse to pay these loans as they are involved in a fraudulent service and I never got what I paid for.
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.
Equifax has XXXX Bank XXXX credit card account still listed as open and showed a 97 % utilization high rate that is bringing my rate down. XXXX XXXX showed this account closed.
My mortgage company Nationstar is threatening foreclosure on my house due to what they believe my account is a payment behind. I went through a modification which trial payments begun XXXX XXXX 2015, I made my payments on the or around the XXXX of each month towards my payment due on the XXXX. XXXX of 2015 Nationstar started sending me notice and calling saying my account was past due. I have been trying since XXXX 2015 to resolve this issue but Nationstar is neglecting to try and resolve the issue. I call, I send letters, I email but still cant seem to get someone to look into this issue and resolve it. I believe they are trying to wrongfully foreclose on my house. I have spoke to XXXX attorneys and they have advised me to check out respa and to try and work out with Nationstar first, that it could simply be an error in paperwork some where along the way. So I am just at my wits end as to what more I can do to get this resolved as Nationstar is making communication with them difficult.
So I am being sued in Texas by LVNV Funding LLC which is in Nevada. They bullied me and never contacted me about this debt and all of a sudden I get a summons. They have cost me mental pain and anguish.