WillisBack/dataset-financial-user-claim huggingface dataset:
I received a check from what i thought was to be my new job and deposited it before doing any work or spending the money i called USAA to verify everything was good to go since this was my very first job outside of the XXXX and had never dealt with payment from anyone else. The funds were available immediately and I asked the USAA representative if I needed to wait on anything else or is it that once the money is there it has been cleared The USAA representative let me know that everything was good to go and there was nothing further that would need to be done. This happened about a total of 4 times all to find out that i was being scammed and the only reason i found out is because i called and asked a question to USAA after that i have been given nothing but the run around with XXXX member being very understanding while she filed a second fraud alert for me she stated she did n't know why i was given false information and why they did n't check into it when i initially had inquired about the situation. She said the only notes on my account stated that I would be reliable regardless of it being a fraud/scam case because it was my account. She tried to get in contact with someone in management yet was not able to. Every time I call USAA i am given the run around leaving me with the burden of fixing what they failed to do. I am beyond frustrated and out of all my money. They do not seem to care one bit nor have they tried in anyway to resolve this issue. I was given checks from a closed account which were returned on XX/XX/XXXX. This is now a FBI investigation case because it is happening without the companies knowledge and outside of state lines. It is occurring in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I have been told by my legal assistant that usually the bank makes the customer whole but it is up to the bank. I feel that i banked with USAA not only because I am an XXXX but because as a bank i would think they would verify things that would keep my money and myself safe from such situations.
I have bank documents that show closure of both personal checking and savings accounts at Bank of America on XXXX XXXX 2015. However, the company an email on XXXX XXXX 2015 stating the checking account had a {$24.00} deficit after filing a written complaint with the Consumer Financial Protection Bureau. I placed a telephone inquiry to a banking representative XXXX XXXX 2015 about the deficit ; however the person was unwilling to provide any written documentation that verified the origin of the deficit, why the bank processed it on a closed account, why the bank reopened the account to process a transaction with neither my consent or authorization.
I had a {$2000.00} secured credit card with USAA since XX/XX/XXXXNo late payments & perfect payment record. In XX/XX/XXXXI was overwhelmed by debt & filed for bankruptcy. Unknown to me my USAA account was included in the Bankruptcy. Shortly after filing USAA sent me a letter stating that my account was now closed with them.
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I called them & asked what happens now. They told me that I owed them about {$700.00} and they would subtract that amount from the {$2000.00} credit on the account & send me a check for about {$1300.00}. I waited for this refund XXXX thru XXXX. On XX/XX/XXXX I called them & spoke to a rep named XXXX & I asked what the delay was in me getting my refund. I was told that the exact amount of my refund was {$1200.00} and I would receive it in 3-5 business days.
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That never happened & as of today XX/XX/XXXX it still has n't happened. I have made over 20 calls to USAA & spoke to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. No results. In desperation I paid {$28.00} on XX/XX/XXXX to overnight the CEO of USAA, XXXX XXXX pleading for my money. I spoke to XXXX, XXXX, XXXX, XXXX & XXXX XXXX all from his office. XXXX assured me the " check was in the mail '' onXX/XX/XXXX. As of this date XX/XX/XXXXit has not arrived, nor do I expect it to. What a disgraceful outfit.
On XX/XX/18 I made a payment of {$240.00} for my XXXX XXXX government credit card, I did not receive any confirmation or code so I waited to see if it hit my bank account. The next day I saw it hadnt posted so I thought i may have made a mistake and made a second identical payment for {$240.00} on XX/XX/18. Afterwards both payments hit my accounts, I contacted Citi customer service to see if they could stop one payment they said they could not and told me all I had to do was email them proof and that they would refund me within the next day. I did as I was instructed and received an automated mail that said they were investigating the case and that I would hear from them no later than 2 business days. I let 3 business days pass before I contacted them again via email to see the status update. I heard nothing from them until I called a few days later to be told again that my case was being investigated I let them know that it was a simple overpayment and I had no other balance on the card other than the {$240.00} that I had paid, twice. The woman I spoke to then said if it were approved they would send me a check to my location overseas, which worries me since mail is known to get lost enroute..I asked if they could please just deposit to the same account they drafted from. She said she would note my account but it was improbable. It has now been 10 days since the initial contact and Im still in the dark about whats going on.
Unauthorized Charges made to my account : DATE NAME PHONE # XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX CA {$68.00} XXXX/XXXX/XXXX XXXX XXXX DE {$41.00} XXXX XXXX/XXXX/XXXX XXXX  XXXX CA {$68.00} XXXX XXXX/XXXX/XXXX XXXX XXXX WY {$41.00} XXXX XXXX/XXXX/XXXX BCELBCUSTLN XXXX CA {$68.00} XXXX XXXX/XXXX/XXXX XXXX XXXX CA {$68.00} XXXX XXXX/XXXX/XXXX XXXX XXXX AK {$41.00} RECEIVED CHECK FROM CITI BANK XXXX/XXXX/XXXX {$170.00} FOR AN UNAUTHORIZED CHARGES MADE TO OUR MY ACCOUNT. 
XXXX XXXX/XXXX/XXXX XXXX XXXX CA {$89.00} XXXX XXXX/XXXX/XXXX XXXX XXXX CA {$44.00} XXXX XXXX/XXXX/XXXX XXXX XXXX FL {$86.00} XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX {$79.00} CONTACT WITH ONE STATED THAT THE UNAUTHORIZED CHARGES COULD NOT BE REMOVED BUT THEY COULD BE CANCELLED? NO CALL WAS MADE TO AUTHORIZE THESE CHARGES, THEY JUST APPEAR ON OUR STATEMENT. 
WE ARE AT A LOST TO REMEDY THESE CHARGES BEING MADE TO MY CREDIT CARD ACCOUNT.
I tried to file for a free credit freeze, online, with Equifax@equifax.comXXXX, a few days ago and for several hours this a.m., but they keep telling me that my email address is invalid. It is not and it is the same email address I hv ALWAYS used with them. ( I hv an acct with them ).
I have a a unverified account from ENHANCED RECOVERY COMPANY # XXXX. I had previously disputed this account. I have never done business withENHANCED RECOVERY COMPANY. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY COMPANY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Barclay Card falsely advertised a promotional rate for XXXX. purchases. On my first big purchase from XXXX a year earlier, they extended a zero percent interest rate for 18 months as advertised. What they did not tell me is that this promotion must be reactivated every time you make a purchase from XXXX, despite the fact that they do n't have any clear instructions on how to do this, and they do it automatically for you on the first purchase. Unlike other cards I own, they also capitalize on any amount in the account at closing immediately instead of the statement balance. That means if you have {$15.00} on the card the day before closing from an automatic payment they collect interest on it. This is a predatory card and Barclays has questionable business practices that intentionally try to trick the customer.
On XX/XX/XXXX I deposited a check for XXXX in my Wells Fargo Bank account.
The Maker of the check was XXXX and the check was drawn on XXXX.
Wells Fargo Bank put a 10 DAY HOLD ON THE FUNDS so I called Customer Service at the bank and was told REFER TO MAKER. XXXX, the maker, said there was NO REASON FOR THE HOLD. I believe Wells Fargo Bank ILLEGALLY HELD MY FUNDS.
I had an account with Bank of America , Home Loan, that has since been closed with a XXXX balance. They are reporting the date of last activity, or last payment made on XXXX, which is correct. This information is now outdated, and should have been removed XX/XX/XXXX, which is 7 years from the date of last activity. I have disputed it with the credit bureaus, and XXXX and XXXX have removed it, but XXXX kept it on. I disputed it with XXXX again, and they said to contact Bank of America. I sent BOA a dispute, and they simply sent a form letter stating that their " records confirmed the information is accurate ''. They gave me no proof and no indication of their " records '' or how they obtained their decision. They are violating the FCRA and this is damaging my credit.
XX/XX/XXXX : Mortgage Loan Payments for the month XX/XX/XXXX were sent XX/XX/XXXX : received a call from Flagstar Bank that I didn't pay XX/XX/XXXX payment XX/XX/XXXX : 20 mins  later received a call that XX/XX/XXXX payment was received but they applied it as a Payment for XX/XX/XXXX ( which was made in the beginning of XX/XX/XXXX ). I made it clear to them that no one should be calling me or my wife before the 15-day grace period. Per the representative, it was notated that it wont happen again. 
XX/XX/XXXX : My wife & I are still receiving calls that we have to make XX/XX/XXXX and XX/XX/XXXX payment since yesterday even though I explained them the XX/XX/XXXX payment will be within the grace period for them to understand that its a XX/XX/XXXX Payment.
On XX/XX/XXXX I used bill pay to pay XXXX XXXX {$25.00} for phone services. I was given a confirmation # XXXX. It posted on bank account on XX/XX/XXXX. On XX/XX/XXXX my phone service was suspended for non payment. I called the carrier and they had not received the payment. I had to make the payment to have my service restored. I called Huntington Bank on XX/XX/XXXX and was told the payment to XXXX was not sent and a refund was request and I would have it in XXXX -XXXX hours FILE # XXXX ... ... 
I check my bank account today ant the {$25.00} still was not refunded back to me. I called the bank today and they had closed the case. I called XXXX XXXX and they only have the payment I made on XX/XX/XXXX and no other payment. My next payment is to be made by XX/XX/XXXX meaning theu don't have any payment from Huntington
I contacted a seller on XXXX for tickets to a concert on the same day. The seller was supposed to send me the tickets right after the XXXX transfer. The seller shared his details with me after I spoke to him on the cellphone. He chose to transfer via XXXX and not via XXXX or XXXX. After I made the payment of a XXXX XXXX the seller stopped responding to my texts, deleted the XXXX  post and also blocked my number. I immediately called XXXX and they said they can not help me since the transfer has already been initiated and they are not a bank controlling the fund transfer. I then called Bank of America and they said since it was a voluntary transfer they can not refund the money. They also said they can not help with any fraudulent protection and refused to refund me the money or cancel the transfer.
Hi Go Financial in XXXX Az finance XX/XX/XXXX chevy truck for me in XXXX for 29 months. The truck was paid off in XXXX and I have n't received a paid in full letter and it 's not being reported correct with the credit bureaus.
in our hardship Nationstar has given us the run around, with Modify our Mortgage, which finally it was modify in XXXX we run into another hardship situation during the trail period of the the modification, After reviewing the information and seeking information, and in trying to apply for a state program Homesaver, I call Nationstar in XXXX to explain the Hardship first of all our service point of contact does not service at all, if I email she sent me to the customer service dept. XXXX XXXX at Nationstar, Emailing her since XXXX XXXX to present minimal response back and directing me to the customer service for information, the customer service had advise us that we quality for second modification to please fill out the application and send in with all necessary document which it was done and it was denied, In contacting XXXX XXXX she stated that we had modification twice already, Which that is wrong, That Nationstar mortgage stalled the modification which cause us to do the paperwork XXXX times is another thing. We were modify once in XXXX XXXX. I call the Making home affordable.gov for information which they provided with which is doing a tier XXXX under the original modification which a tier XXXX, for situation like ours I e-mail XXXX XXXX the information and she directed me to customer service dept, The dept was unaware of the information I provide them. I e-mailed XXXX XXXX 3 times and with other issue as fee being added, Like inspection fee and misc fee. This was XX/XX/XXXX, More than plenty time for us to do something We fail in our trailer due to unforeseen situation like I was unemployed and my husband was XXXX and our tenant did n't pay us the rent for 5 mos we had to evict them and take to court, My mother was diagnosed with XXXX. now we receive foreclosure document for XXXX XXXX the investor that does allow a homeowner to do a modification only every two year. I Also in XXXX I call requesting to make some type of payment and we were told that we could n't the period has passed that I need to do a modification or pay the entire amount we were behind. Still no soluation offer
My information was breached during the latest Equifax hack according to their own notification website. 

I have never provided information directly to Equifax and I believe it is wholly unfair that they have access to my information indirectly and are irresponsible with said information to the point that it was accessed by a third party.
I called XXXX earlier this month requesting a deferment on my loans for a few months, because I am willing, but currently unable to keep up with student loan payments. The customer service agent informed me that she could defer my loans for me until XX/XX/XXXX without penalties ( besides interest that might accrue ), and that deferring my loans WOULD NOT have a negative impact on my credit score. I got an update from the credit bureaus Transunion and XXXX on Monday, XX/XX/XXXX that my credit score had dropped 59 points. I opened my credit reports to notice that my XXXX  student loan status had been updated to " deferred ', which did in fact negatively impact my credit score.
My son gets his SSI money loaded on to a XXXX XXXX XXXX card monthly. Everything had been going smoothly for about 2 years. In XXXX he went to make a purchase and found he had insufficient funds. He had charges on his card that he did not make. XXXX XXXX, XXXX, there was a charge for {$49.00} and {$1.00}, then on XXXX XXXX {$0.00} all from the same company that we have never heard of. We tried to contact XXXX XXXX XXXX repeatedly and the message kept saying they were experiencing heavy call volume. When we finally got through they said we had reached their customer service desk and that they would transfer us to someone to file a claim but we kept getting hung up on. My son is XXXX and he ca n't always say what he needs to due to XXXX and XXXX XXXX XXXX. I attend to all of his business but when I was trying to talk to XXXX XXXX they threatened to hang up the call if I spoke again. So I had to watch my son XXXX XXXX XXXX with them and the matter still did n't get resolved. I contacted Social Security about the manner and they said they could do nothing about. I requested his check be sent in the mail but they said I had to go into the branch but before I could get in I took ill. So on XXXX XXXX, XXXX, his card was struck again for {$670.00} and {$20.00} again from an unknown company based in XXXX. We had to leave our groceries at the grocery store and run to the nearest Social Security Administration and we sat from over 3 hours only to be told there was nothing they could do and that it was the same as if I got robbed after being paid by someone else. They did their part and it was between him and XXXX XXXX who we can barely get through to and after we get through to them it says call back at a later time once we are transferred to the complaint department. We ca n't pay our bills ... what should we do?
On XX/XX/XXXX I received a letter stating that I had 28 qualifying payments. However when I log into my account, it states I only have 26 qualifying payments. I was told by a representative at XXXX that the payments made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were not being counted because I did not have an Employment Certification Form filled. I was told that if I had the formed filled out that those 4 payments would counted. I have the Employment Certification form from XX/XX/XXXX- XX/XX/XXXX form filled by the Human Resources Representative stating that I was employed 32 hours which is full time under the Public Service Loan Forgiveness Program . I have attached this letter. Therefore, I should have 32 qualifying payments instead of 26 or 28 payments. 

I called XXXX on XX/XX/XXXX and spoke with XXXX ( ID number XXXX ), and she stated that the Human Resources representative did not verify that I was full time. Under the Loan Forgiveness Program, it states that 30 hour pers week or more is considered full time. I spoke with  Human Resources on XX/XX/XXXX and she stated that she told XXXX on XX/XX/XXXX that from the entire time from XX/XX/XXXX-XX/XX/XXXX that I was working more 30 hours per week. The Human resources representative stated that she told XXXX that for purposes of the Public Service Loan Forgiveness Program I was XXXX for that entire time period. I would like to see that my qualifying payments be updated from 28 to 32 payments. Online it states that I only have 26 qualifying payments which contradictory to the 28 payments sent in the letter onXX/XX/XXXX. 


Additionally, XXXX disqualified my payments made for the period of XX/XX/XXXX to XX/XX/XXXX based on an Employment Verification form I submitted. I did not submit any Employment Verification Form for this period of time. I have included a copy of the disqualification from XX/XX/XXXX-XX/XX/XXXX. I met the requirements listed on the disqualification form of working at least 30 hours or more for this time period. I have included a copy of the disqualification sent from period of XX/XX/XXXX-XX/XX/XXXX. I met the requirements listed on the verification form of an annual average of at least 30 hours or more for this time period.
Last month, XXXX XXXXXXXX XXXX XXXX reported : " ... Citigroup announced that it would issue refunds to some 1.75 million credit cardholders who had been charged interest rates that were too high. '' It was also reported that, " Citi said it had erred in how it calculated to reduce penalty rates for customers after they had demonstrated a track record of six months worth of on-time payments. This is mandated by the CARD Act, a piece of legislation introduced almost a decade ago aimed at protecting bank customers. '' Also reported, " 'While we believed our methodology was sound, a periodic internal review identified potential flaws in the methodology, ' a Citi spokeswoman said in a statement. 'We informed our regulators, revised our methodology going forward and conducted a comprehensive review of our process '. She added that the bank found no evidence of employee misconduct but that it 'should have identified these issues sooner. ' '' Ive been a Citi Diamond Preferred Card holder since XXXX. Ive NEVER missed a payment, usually pay more than the minimum due, and have a credit rating above 750. My interest rate : 29.99 %. ( I was told that my introductory interest rate had been increased years prior because I had made a cash advance.  ) I have REQUESTED and received interest rate reductions twice since XXXX. When I requested the reduction last year, I was told I would receive it for six months after which Id have to wait six months to request the reduction again.

I believe that CITI has a stated policy that the customer could receive a lower rate for six months, after which the customer has to wait six months to again request a lower rate. This is a bit different from what the Citi spokeswoman said in the newspaper article.
This debt has already been paid, I have talk to the main company and the system has been updated. They keep calling trying to scare me telling me that they are coming to my house and my work to try to collect the debt. I have explained to them many times that the debt has been clear, they call me from different numbers but always using language to try to scare me. 
They call themselves XXXX and one time was XXXX XXXX is the number that they use last, I try to tell the guy to stop calling me and he hang up and call me again. 
Please help me with this matter. 
Thanks
I just received a Walmart MasterCard in the mail issued through XXXX XXXX that I did not apply for. Today is X/XX/17. Even though it says that I have to call to activate my account, anyone could have stolen it and activated it in my name. I want this practice to stop immediately. I am also going to file a complaint with the BBB.
I decided to work on my credit report. I saw that Aspen Collections was on it for a debt I thought was taken care of. The company no longer sent me any bills, no longer tried to contact me, since 2010. 
Credit reports shows that it is still in collections. I contacted Transunion directly and filed a dispute. When I was notified that the dispute was resolved I see that the balance trying to be collected had increased from {$200.00} to {$310.00}. What?!! Obviously my attempt to clear this up, backfired. Now what can I do? Is that legal? Why did the amount increase? Help? I have since filed a request for investigation with XXXX XXXX. It appears that absolutely nothing was done.
CitiMortgage  applied an impound account to our mortgage due to unpaid property taxes (  XXXX  ). These taxes were included in our bankruptcy and should not have been paid to CitiMortgage. Our attorney opened a motion with the courts and CitiMortgage then removed the impound account. Looking back at our monthly payments with CitiMortgage during the time they applied the impound account it looks as if they miss applied the funds making it look as if we were a month behind. Moving forward CitiMortgage sold to  XXXX   XXXX  and then to  XXXX . Our final payment t o Citi w as on  XXXX / XXXX /  XXXX   but was applied to  XXXX  instead of  XXXX . We were still in bankruptcy so we were unaware of this, as this is not noted on any of our statements. At the end of our bankruptcy in  XXXX  we were contacted by  XXXX  saying we were 30 days late on our payment. We have disputed this with CitiMortgage,  XXXX   XXXX  and  XXXX . Nobody from any of these companies have given us a date as to when a payment was missed. It all started during the escrow impound account that CitiMortgage imposed on our account. We have bank statements showing all payments were made. There should be no late payment reporting in  XXXX    XXXX  . Please review proof of payment history and Bankruptcy documents.