WillisBack/dataset-financial-user-claim huggingface dataset:
Contacted XX/XX/XXXX by number suggesting they 're taking pre-legal action. Shortly thereafter, significant other received phone call, requesting employment verification on my behalf.
Contacted again XX/XX/XXXX by number suggesting pre-legal action again. An hour later, significant other 's father ( who lives out of state and we have n't contacted in nearly a year ) receives phone call requesting employment verification.
Phone number was called repeatedly at their behest, only to receive no answer.
On XX/XX/XXXX, I requested a credit limit increase on my XXXX credit card. XXXX attempted to pull my credit report from TransUnion. However, I had a credit report freeze in place with TransUnion, so the request was denied. XXXX then attempted to pull my credit report again, and again the request was denied. Both attempts appear on my TransUnion credit report. 

First, I contacted XXXX on XX/XX/2018 and spoke with a supervisor. I explained the situation and she checked with their credit approval department and told me that since the inquiries had not gone through, they should not appear on my credit report and that XXXX was unable to have them removed. She advised me to open a dispute with TransUnion to have them removed. 

On that same day, I submitted a dispute to TransUnion through their website. On XX/XX/XXXX, I was notified by TransUnion that their investigation was complete and that my report had been updated. However, the inquiries have not been removed and TransUnion does not provide any way to follow up on the results of the investigation.
XXXX was paid off and not for amount listed and is a closed paid off accountXXXX XXXX was paid long ago and the company no longer exists to get this corrected as is a XXXX balance and closed so should be removed.
My issues with USAA started on XX/XX/18 when I initiated a fraud claim. After supplying overwhelming documentation, USAA saw fit to deny my claim, putting me out of a significant amount of money. To further compound issues, my XXXX token is being held hostage by USAA. My accounts were placed in a deposit only status that is preventing me from unregistering my phone number so that I can use XXXX with another financial institution. USAAs response was, just use your email address. I dont consider that helping the client, thats just poor customer service at its finest. 

Moreover, my account was debited the full of amount of the fraudulent actively putting me out a significant sum of money. USAA took ONE business day to conclude their investigation. USAAs sole reason for denying the claim is due to alleged activity on the USAA mobile app while the reported fraud was occurring. They refuse to provide proof of this allegation. I can say, without a doubt, that my USAA app was not used during this time. I would have blocked my card and reported it sooner. 

I, admittedly, make use of the USAA widget on my XXXX. This widget provides up-to-date balance information at a glance. It doesnt take a computer scientist to know that some BACKGROUND processes are running in order for it to accurately provide this information. USAA was unwilling to tell me if this widget utilizes the quick login function to provide balance information, which again, is why they denied my claim. 

To add further insult to injury, the analyst assigned to my case was downright awful. I was verbally accosted and interrogated about transactions not germane to the issue at hand. His line of question was not only inappropriate, but phrased in a way that creates confusion. It was then USAA determined I changed my story. I did not. 

Its not all bad, though. I did have the opportunity to speak with people who genuinely cared. In conclusion, USAA does NOT protect the cooperative and denies claims based on baseless information. 

I challenge USAA to check my login activity as of todays date ( XX/XX/XXXX ) for the past 7 days. Does it show that I accessed the USAA mobile app? I am attaching my Screen Time activity to show that I have NOT used the USAA mobile app in the past 7 days - since this incident, honestly. Since this seems to be why my claim was denied, youll see how flawed that methodology is in which case I feel I a due a credit and an apology. 

Once a happy, longtime USAA member, I urge anyone reading to reconsider doing business with them.
I have my car financed thro ugh Ally Financial.  Since  XXXX  of  XXXX  I have made a few payments late, but have always paid the " late fee '' in addition to a little extra. My car payment is due on the  XXXX  of every month, and this month, on the  XXXX , I logged into my account to make a payment and saw {$62.00} worth of " additional charges ''. I immediately got on the phone and spoke to a customer servi ce rep. My questio n was, how is it that these " additional charges '' continue to increase every month? His response was that I make my payment late, and I should be happy with it because the total amount due was actually less than what my agreement reflects. I asked to speak to a supervisor who then informed me that late charges are n't applied until 15 days past the due date - mind you I was 5 days late at this point. We argued back and forth for a bout 30  minutes because what she was telling me made no sense whatsoever. She insisted that these additional charges were not late fees and I should be happy because the payment was still less than my loan agreement. I made the payment, including the additional charge " late fee '' of {$62.00} and included extra money. Today I log in to my account to make a payment, my due date is  XXXX / XXXX / XXXX , and yet again I see I am being charged additional fees " late fee '' unreasonably. I do not know what to do with these people. I believe they are ripping me off for additional money every month and I already struggle with making what I owe. Please help me.
In 2006, I refinanced my home and was sold an illegal loan in the State of Illinois ( Pick-a-Pay Loan ) with World Savings. Now owned by Wells Fargo Bank. I have already made a complaint with CFPB. Please see previous complaint # XXXX and XXXX. I am putting through a second complaint because the answer from XXXX XXXX at Wells Fargo is insufficient. Firstly, he did not look into any of the issues. He must advise me why there are XXXX applications with different incomes which were both incorrect. I can prove it by supplying proof from the IRS that I was not making that much money. Secondly, I had given him a letter from XXXX XXXX insurance and he did not even research the type of insurance that was purchased. He stated in his response that it was title insurance. The insurance policy taken was in case I defaulted on my loan. They changed my income on the application after I signed it. They then took out an insurance policy with XXXX XXXX in anticipation of my default so when the minimum payment of the loan tripled, they could put in a claim. XXXX XXXX letter indicates that there was no claim with the insurance policy. I will attach the letter sent to us by XXXX XXXX. I will also attach XXXX XXXX letter showing that no research was attempted.
I submitted a formal written request directly to XXXX in a " special '' account handling department. XXXX requested that I fax her a request to place the security freeze on my credit report and advised she would process it and issue confirmation and disclosure of system generated PIN. I faxed that over 2 weeks ago. I received a notice dated XXXX XXXX, 2015 with an explanation on how to set up a security freeze. Experian has verification of identity, address for the last two years, social security number. XXXX has this documentation. I have provided this documentation over XXXX times. This is ridiculous.
Below you will see that my account was supposedly charged and overdraft fee. {$36.00} which is not what I have the problem with. If you look on top when I click to view the item it says as you can see " overdraft details unavailable ''. When I call the bank they can not tell me what was returned or paid so we play let 's guess what overdrew my account. When I call the phone number on the notice XXXX there is always a 30-40 minute wait and to be honest I have never had that call answered after putting the phone on speaker and waiting. I filed a complaint with the Banking Commission but they dumped it back into the laps of BB & T to handle so I do n't know what the purpose of the Banking Commission serves. To me this is a violation of UDAAP since the bank will not give me information I need to pay the person who had their item returned. I will get a notice in about two weeks telling me but I need that information now. This is a common practice of BB & T that has happened to me numerous times. They refuse to give real time banking on certain items.

Overdraft Details Unavailable This PDF is currently unavailable. For assistance, please callXXXX ( XXXX ). 

ndingtransaction date XX/XX/XXXX Credit BB & T BUSINESS ONLINE TRANSFER - TRANSFER FROM CHECKING - XXXXXX/XX/XXXX {$1400.00} Pendingtransaction date XX/XX/XXXX Debit BB & T BUSINESS ONLINE TRANSFER - TRANSFER TO CHECKING - XXXX XX/XX/XXXX{$1200.00} XX/XX/XXXX Debit TRANSFER TO CHECKING *********XXXX XX/XX/XXXX BB & T BUSINESS ONLINE TRANSFER {$4000.00} {$210.00} XX/XX/XXXX Fee RETURNED ITEM FEE ( Details View|Save ) Receive a notification if your balance is low. Manage Alerts {$36.00} XX/XX/XXXX Credit TRANSFER FROM CHECKING *********XXXX XX/XX/XXXX BB & T BUSINESS ONLINE TRANSFER {$4000.00} XX/XX/XXXX Debit INVOICE PAYCHEX EIB CAM PROPERTY MANAGEMEN ACH CORP DEBIT {$150.00} {$250.00}
In XX/XX/XXXX, I received a letter dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. The letter stated that my XXXX XXXX XXXX account was acquired by XXXX XXXX XXXX and placed with this law firm for collection. The letter stated that the law firm was authorized to extend to me a special offer of settlement for {$480.00} ( a 40 % savings from the original amount of {$800.00} ). 

I researched the date of service ( XX/XX/XXXX ) and amount owed ( {$800.00} ) and found that all bills associated with that date were satisfactorily paid by my insurance company. No one from the hospital or related services had turned my account over for collection because there was no outstanding bill. 

In my research, I did figure out what had happened. The hospital originally requested payment under my SSN instead of my husband 's SSN as he is the account holder. Payment was denied by my insurance company. As soon as I realized that happened, in XX/XX/XXXX, I contacted the hospital to correct the error. The bill was then resubmitted to insurance and paid. 

I sent a letter to this law firm with a letter stating they were trying to collect a debt that was not owed. Additionally, I enclosed plus the EOB from my insurance company to show that this bill was paid. The letter was sent Certified with Return Receipt requested by USPS on XX/XX/XXXX. The letter was returned to me marked " Unclaimed '' on XX/XX/XXXX. I filed all that away in case it became a further issue. 

On XX/XX/XXXX, I received another letter with the same information and offer. 

Today, XX/XX/XXXX, I received another from XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX with the exact same offer. This letter had errors in my address that were not present in previous letters. But all letters shared a common address on the enclosed payment stub : XXXX XXXX XXXX, XXXX, CA XXXX. 

I feel like this company bought access to old information and are trying to see what people will be frightened into paying. How can they be stopped?
I used a hospital XXXX service earlier this year. All costs were disclosed to me in writing, and all were settled. Months later I receive a bill from a phony " physician management company. '' I never even saw a physician. I found out that this XXXX LLC company does NOT exist under the laws of that state according to their Department of State.There is no such name as XXXX XXXX XXXX XXXX. They listed a p.o. box as their address, which is not allowed. Now this phony company has contracted with a debt collector, Transworld Systems , Inc., to collect on a fake debt. The state of XXXX tells me that this company is actually a front for a XXXX Corporation System, XXXX XXXX XXXX, XXXX XXXX XXXX. This phony " physician management company '' is in collusion with debt collectors and both are preying on people and trying to extort money for services never received. If there is no company, then there is no debt, and both this bogus company and the debt collectors are guilty of theft by fraud. Please break up this ring of thievery and please prosecute these people.
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : Capital One Account # : XXXX I was never late 30 days in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
XXXX XXXX made several calls and sent two reminder letters for payment past due on my new vehicle. I sent proof of payments from XXXX XXXX as well a list of ( 24 ) payments made on the old vehicle returned on XXXX XXXX 2017. 

I am very worried about the lack of oversight in the account that can potentially damage my credit report. Two missing payments for a new car lease it will show very quickly in all three credit agencies as well as to lower my credit scores and increase interest rates on future loans. 

I would appreciate it to take action and protect the consumers from future negligent and unprofessional conduct of XXXX XXXX XXXX  XXXX. 

XXXX XXXX
XXXX   has been removing positive credit accounts from my credit report for the past several months and has been refusing to reinstate those accounts back onto my credit report. With this negligence it has co st my credit score t o plummet substantially. They have as of today  XXXX    XXXX ,2017  removed my  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , Capital One,    XXXX   XXXX   ,   XXXX   XXXX  is reporting as a defaulted student loan even though it is a credit card account that is open and not closed. I am also an authorized user on  XXXX   Capital One cr edit cards that they have removed and I am also an authorized user on a  XXXX   XXXX   XXXX  credit card that they have also removed. I have contacted all t he Data Furnishers and they have all re-reported the accounts and  XXXX  has yet to re-insert the information. This is wrong on so many fronts. This has cost me to my house that I was trying to purchase and has put everything on hold. This has to be taken car of ASAP.
XXXX  sold a secured credit card account in  XX/XX/XXXX  to  XXXX   XXXX , this account was opened in   XX/XX/XXXX .  I disputed it several times as they can not verify this account as  XXXX  did not send the account information to  XXXX   XXXX  and they can not verify the debt, yet they continue putting it back on my credit reports after it has been removed by the reporting age ncy, Especially   XXXX  and  XXXX , Transunion recently removed it at my request, but from what i have seen it gets put back on my credit file months after it was removed by my dispute. All   XXXX   credit bureaus are not allowing me to dispute this account online now. Please help me.
I filed a bankruptcy chapter XXXX that was converted into in chapter XXXX. If there are assets I want to surrender or keep, The legal process requires me to file a bankruptcy form, I filed a request to reaffirm my debt for my vehicle, XXXX XXXX XXXX. and USAA denied the request. I then filed a request to surrender the vehicle which they also denied, I believe according to the Federal Bankruptcy Laws, I am entitled to one or the other, Why was I denied both request,
My complaint against XXXX anf Equifax is unresolved. 

The general reporting requirement under Federal Law is that 10 years of credit information is the only information is required. Information over the ten year limit is prohibited because it can lead to age discrimination. XXXX  and Equifax are not aware of that law. 

Other discrepancies also exist. XXXX  nor Eqifax have not responded to these complaints. I will outline all of these in the following : XXXX XXXX XXXX account XXXX account has a balance of {$3000.00} out of a credit limit of XXXX. They list the credit outstanding as XXXX. Wrong. 

XXXX accounts balances are XXXX. They list it as XXXX for one and XXXX for the second. Wrong. 

XXXX XXXX XXXX has a balance of XXXX. They list it as XXXX. Wrong. 

XXXX card XXXX of XX/XX/XXXX is listed as delinquent. First this a fraudulent account that they were made aware of in in XXXX. Second it exceeds 10 years and should be removed from the reporting. 

XXXX card XXXX dated XX/XX/XXXX is listed as delinquent. First this a fraudulent account that they were made aware of in in XXXX. Second it exceeds 10 years and should be removed from the reporting. 

XXXX card XXXX dated XX/XX/XXXX is listed as delinquent. First this a fraudulent account that they were made aware of in in XXXX. Second it exceeds 10 years and should be removed from the reporting. 

XXXX card XXXX dated XX/XX/XXXX is listed as a XXXX   balance. This account exceeds 10 years and should be removed from the reporting. 

XXXX card XXXX dated XX/XX/XXXX is listed as a XXXX  balance. This account exceeds 10 years and should be removed from the reporting. 

XXXX XXXX XXXX dated XX/XX/XXXX is listed as a XXXX balance. This account exceeds 10 years and should be removed from the reporting. 

XXXX XXXX dated XX/XX/XXXX is listed as a XXXX balance. This account exceeds 10 years and should be removed from the reporting. 

XXXX  XXXX dated XX/XX/XXXX is listed as a XXXX  balance. This account exceeds 10 years and should be removed from the reporting. 

Overall there are no delinquencies and no late payments. The XXXX reporting always lists those terms and they are without credible data. 

I would like XXXX and Equifax to correct their reporting and provide me with the corrected report.
I have made numerous attempts to have this issue resolved with XXXX XXXX regarding a negative charge off account on my credit file. The account is not my account and I have never had any business with XXXX XXXX XXXX. I have asked that I be provided with validation and verification of the debt including an authorized signature. This has not been provided. I have also requested proof that XXXX XXXX   can legally bonded by the State of Texas to collect in Texas. My consumer protection rights are being violated.
Hi. about an year ago I had XXXX XXXX help me out with a issue for my XXXX   XXXX/XXXX. I opened that account about 3 years ago now. The first bill never came to my house. i tried to get into contact with XXXX but no answer. until 4 months later upated my info and paid the bill. i would like to see if you guys would be able to help me removing the late payment history. Even1 or 2 remarks would be very helpful. The last 2 years and 8 months I've paid on time.
The information reported to Experian for an acct with XXXX contains incorrect or re-aged information. The last payment date should be XX/XX/2008, XXXX days XX/XX/2008, was charged off XX/XX/2009. The charge off date shows as of XXXX and shows a comment of a deferred/interest only payment. I have never made a payment arrangement with this company. I am not disputing the debt, only the dates & the comment and asked they be corrected.
This complaint is about 2 issues : 1. The DUPLICATION of this debt on my Credit Report by XXXX companies, the original company SYNCB/SMRTCN ( XXXX also called GECR PAYPALSMARTCONN ) and the company they sold/transferred it to XXXX. BOTH OF THESE COMPANIES ARE LISTING THIS SAME DEBT ON MY CREDIT REPORT! They even share almost the same account number : The XXXX account number for this debt is : XXXX While the XXXX list this debt as XXXX See any similarities? 
PayPal SYNCB/SMRTCN List this as a closed debt while XXXX list it as an active account. 
2. This account was closed by PayPal SYNCB/SMRTCN after they mistakenly thought I had not made a payment in XXXX of 2009. When they called to tell me I had missed the payment I gave them the confirmation number of the payment I had made on time and a few hours later told them I had checked with my bank and indeed the payment had gone through the bank. Nevertheless they wanted me to make another payment that included a large penalty, which I refused to make. XXXX subsequently closed the account even though up till this time I had a perfect record of payments. I had never had a problem paying the original amount but the total since this time has always reflected the original amount plus penalties. Even though I have complained about this duplication before both of these companies have published this DUPLICATION ON MY CREDIT REPORT FOR 6 1/2 YEARS!
My servicer Fedloan is not acknowledging my offer to pay. I have been asking them for the orginial promissory note which they keep sending me blacked out copies of a promissory note not my note. I have sent them several certified mail letters asking for they contract with me that I signed for them to collect a supposed debt. They have violated several Truth in Lending and FDCPA codes.
I used to have a bank account with XXXX XXXX XXXX. That account was closed YEARS ago, like in XX/XX/XXXX. Recently, XX/XX/XXXX they decided to put some unknown balance on my credit and said the account was just closed, which is a lie. After doing some research I see that the bank is now called XXXX XXXX XXXX XXXX, so they are trying to fraudulently collect on year old accounts that was closed a long time ago under another credit union. They do not have proof of a written signature between me and this company. I have contacted each credit agency and they have failed to provide written signature proof me owning this account, at XXXX XXXX XXXX XXXX, and have refused to remove this clearly this false item from my credit report.
When I came to this country my friend co-signed on a private student loan through  Discover i n which I make on time automatic payments each month for. He fell on hard times and filed bankruptcy.   XXXX   is reporting on my credit that the account was included in bankruptcy which is not correct for my status and is completely ruining my credit and inhibiting me from using it. In the attached document it is very apparent that  XXXX  and  XXXX  are reporting correctly and  XXXX  is not and the score on  XXXX  is  XXXX  points lower. If I had filed bankruptcy do you really think my scores would be in the high  XXXX  's. I have perfect credit and expect this to be addressed and corrected immediately.