WillisBack/dataset-financial-user-claim huggingface dataset:
A debit of {$100.00} was sent to Trident Asset Management from XXXX, for an allegedly transaction back in XX/XX/2015. I have no knowledge of this site nor ever used it, therefore I dispute this charge. I have received letters from Trident Asset Management with offers to pay it off with big discounts, but the charge is not mine and they never provided proof that it would be mine.
USAA reporting late payment and upon review of documents submitted previously I still maintain the following which this company has yet to address : " USAA Federal Savings Bank has been sending documents to an incorrect address. My physical address is NOT my mailing address. On XX/XX/XXXX USAA purportedly sent notice that I was a co applicant on a loan. This letter would have been returned to sender. However, had I received the document I would have discovered that the information was incorrect and could have avoided what has transpired in XX/XX/XXXX '' SEE ATTACHED EXH A. <P/>Sure they called XXXX XXXX several times but we all know the amount of nusiance calls received, however, that does n't get USAA off the hook for failure to contact me. I checked my credit report and it lists my employer and phone number. They could have easily contacted me to resolve the missed payment. I also have the absolute right to know I signed for a loan and review for proper contact information. If this turned out to be fraud what would USAA do exactly. They fail to address my issue or return my phone calls. <P/>Look I am still in XXXX and this has tanked my credit score. I have attempted to contact USAA and left numerous voice mails and NO ONE returns my call. Who do I complain because this company does n't return phone calls.
RE : Revocation of authorization for debits To Whom It May Concern : Please stop taking automatic payments from my bank account for payments to my account with your company. My account number with your company is has been compromised due to fraud. I am writing to inform you that I am revoking authorization for you to debit my account via electronic funds transfer : Send a mailing address so payments can be mailed. _ This revocation applies to any and all future debits. 


Sincerely, XXXX XXXX XXXX
On XXXX XXXX, 2016, I received a phone call from SLS who is servicing my mortgage. They called to inform me that I had not made the XXXX payment. After consulting with my wife, we realized that we had not gone online to make the payment as we normally do. For the first time in 13 years, we missed it. So, I told them I wanted to get caught up and could give them payment information over the phone. She took it and then offered to set me up on EFT. I agreed and gave the corresponding account numbers. After I provided all the information, she told me the account would be up to date within 24-48 hrs and then on EFT going forward. On approx. XXXX XXXX, I received a notice from SLS that my mortgage was going into default and I called them immediately. I was then told that my account was not set up on EFT and they had mailed a notice to me in XXXX. I never received a notice in XXXX and assumed my account was functioning as we had set it up. First, I told them to take two payments and get my account up to date. They agreed to waive the late fees, but I was still not happy that they had removed my account from EFT after we had set it up. They told me there was n't enough time to get it set up for the XXXX payment, but that they sent me notification in regards to that payment. Again, I never received anything in the mail to this effect and was not happy they did n't bother to call. They called me in XXXX when it was late, why did they let it go for nearly two months and not call me again? Why did they rely on the mail when this is such a serious matter? The representative kept telling me they did their part by mailing the notice and I told them it was irrelevant because I never received it. I was also concerned they were going to ding my credit so I asked about that. They told me it would be reported so I requested to speak to a manager. As far as I 'm concerned it was their fault the payment was late and since I would expect to call when a payment is missing as they did in XXXX, they should have done it again in XXXX, especially after telling me I 'm set up on EFT. She said their was nothing they could do about it and it was not their fault. I take great care in watching my credit and this is completely unacceptable to me. I did nothing wrong and they have inconsistently applied their follow up procedures. To my surprise on XXXX XXXX, I received a letter in the mail stating that my account had been removed from EFT. XXXX XXXX!!! Nearly two months after they said they mailed it. I want the credit ding rescinded from my account or I would like to know what my legal options are. I have already moved my account to another mortgage company, but this remains unacceptable.
During a recent review of my credit file, I discovered a collection account that had just been added to my report. On XX/XX/XXXX I contacted the collection agency via certified mail, to request debt verification. I received a response on XX/XX/XXXX, which contained a generic printout with very basic information. The agency did not provided a copy of a signed contract with the original creditor, or a written statement from the original creditor. The agency did not provide any competent proof whatsoever that I am indeed the party responsible for this debt. Furthermore, the miscellaneous notes on the provided document indicate that the original debt occurred on XX/XX/XXXX, which is considerably more than FCRA allows negative information to be reported.
I initiated a balance transfer on XXXX XXXX XXXX transferring {$440.00} from my Capital One credit card to XXXX credit card. Only XXXX XXXX XXXX the balance transfer was completed by XXXX and the {$440.00} was added to that account. Today XXXX XXXX XXXX I still see the balance on my Capital One statement as well, I called customer service and they claim they don't see any transfer to XXXX. As of right now the {$46.00} balance is on two credit cards and needs to be corrected including the refund of any fees or interest. The transfer appears on XXXX 's end, the problem appears to be with Capital One
I was an XXXX, ( XXXX ). Under the corporation, we leased an office. We closed the doors on the corporation a few years later due to the economy crash. We held on as long as we could but ultimately had to close up shop. The corporation had a balance left on the building lease and leasing company decided to send it to collections under my personal credit file. We opened the lease under the umbrella of the corporation and my personal credit should not have been damaged. " Paid in Full collection agency '' is the name of the collection agency coming after me for the corporate debt.
The majority of the loan payment is being paid toward the interest, which does not prevent me from paying down the principal itself. That in turn, causes the payments to be above {$6000.00} over the principal loan. In addition, they are charging {$20.00} for " additional interest. ''
I am applying for a mortgage and the loan officer told me that Equifax is not reporting a credit score. They do report credit history but no score. XXXX and XXXX both report credit scores with no issue.
The following accounts on my report does not belong to me nor has anyone provided me, not the reporting agencies, but me any sort of physical documentation to support their claim and without doing so it is against the law for the credit reporting agencies to report such. I need to be notified first and given documentation of what's been made as an allegation towards me .The following accounts I'm respectfully requesting that they be removed, Account 1 - XXXX XXXX XXXX ( XX/XX/2018 ), XXXX XXXX ( XX/XX/2018, and XXXX XXXX XXXX ( XX/XX/XXXX )
Experian refuses to conduct their own proper investigation and to honor a District Court order ( XXXX District court, XXXX XXXX Mi. XXXX ) directing the deletion of XXXX charge-off 's from XXXX XXXX BXXXXnk XXXX XXXX and XXXX XXXX credit cards. I had filed lawsuits against XXXX and XXXX and due to these lawsuits my accounts went into a charge-off status. However, the lawsuits were settled and as part of that settlement agreement the entire trade-lines were to be deleted from my credit reports. ( see attached settlement documents ). 

However, Experian refuses to honor the court order. Here is the latest dispute letter I have attached the Settlement agreement with XXXX ( SEE page XXXX half way down ) directing removal of trade line. 
Additionally, I have Provided Experian with the case number, Court phone number to verify the terms of the settlement. but they have refused to investigate
I am more than angry that an additional payment to my chase visa got arbitrarily split rather than where it was intended to go. I sat on the phone for 30 min XXXX with a rep who told me that in a very small window ( 3 days ) I could direct and make an extra payment to the highest balance. This did not happen. When I finally demanded to speak to a supervisor, XXXX XXXX, he had no idea why the amount was instead directed to two balances rather than the highest. He also had no idea how the amount of the split was calculated. He did n't know " what algorithm was used ''! Instead he kept saying that 's how Chase decides to do it. What kind of customer service is this?? Further, how is this transparent to the consumer?? How does Chase just decide what to do with my payments?!
On XXXX XXXX, XXXX, I rented a car for use in XXXX, XXXX, from XXXX via my XXXX membership. I declined insurance with the belief that my visa card covered any accident liability. Unfortunately, I found out when I filed an insurance claim that visa does not cover car rental damage in XXXX, along with XXXX other countries. 

If I would have known about this, I would have have purchased car insurance. I am an informed consumer, and I do not bet. I would never drive a car without insurance, in fact, it is probably illegal, and XXXX should have not rented me a car without insurance. 

I feel that this exclusion information was not easy to come by. On a search of visa 's policy on this, I found this at https : //usa.visa.comXXXX # XXXX " Effective XXXX/XXXX/XXXX. Please note : This benefit is available on all XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Rewards cards. 
Protect against collision and theft. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Rewards cardholders receive Auto Rental Collision Damage Waiver coverage for damage due to collision or theft. 
Benefit at a glance Collision and theft coverage on auto rentals. 
To activate coverage, complete the entire rental transaction with your eligible XXXX card and decline the collision damage waiver ( CDW ) coverage if offered by the rental company. 
The Auto Rental Collision Damage Waiver ( " Auto Rental CDW '' ) benefit offers insurance coverage for automobile rentals made with your Visa card. The benefit provides reimbursement ( subject to the terms and conditions in this guide ) for damage due to collision or theft up to the actual cash value of most rental vehicles. '' Nowhere does it say that there are exceptions to this coverage. 

And specifically, I found this on the webpage of my personal XXXX card issuer : http : //financialservicesinc.ubs.comXXXX/UBSVisaXXXX.html http : //financialservicesinc.ubs.comXXXX " Auto rental loss/damage coverage Up to {$50000.00} " Nowhere was it noted that it did n't apply to cars rented in XXXX until I got to this website : XXXX : XXXX " This benefit is available in the United States and most foreign countries XXXX However, no benefit is provided for motor vehicles rented in XXXX, XXXX, the XXXX XXXX XXXX, or XXXX XXXX. '' I have sent my complaint to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX UBS Bank XXXX - Disputes XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Car Rental dates : XXXX XXXX, XXXX
I have sought income based payments. The majority of my loans qualify for the income contingent repayment plan. A very small number only qualify for the income based repayment plan. Nelnet has placed all of my loans in the more expensive income based repayment plan even though it is not the best option for all of the loans. When attempting to correct I am told our calculator says you belong in income base repayment and unable to get anyone to listen and look at it beyond plugging numbers into a computer.
Im extremely upset with your service, customer services overall how you handle customers from your 360 bank service. When all i want is my money back, you close my account during sign up after i deposit money told me to wait until the hold becasuse how much the check deposit was to pull out funds but the money was a in my account 4days before i have proof from the bank that issue it. Now funds are clear and you wont send to me via overnight check, XXXX ( which i sign up for or wire ) im so fed up with this process im will pay the wire fee to get from your company. Was lied by your security team to drive 4hrs from my city to cafe for withdraws funds and was told capital issue money at cafe. So now im in situation to sue you guys to get my money back and the damages you have cause me. missing my rent, and car note because you wont sent me my own money for close my account!!
Transunion credit report result on XXXX XXXX XXXX2018 I am requesting a method of verification for XXXX XXXX XXXX. so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate this dispute. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.
On XX/XX/XXXX I was contacted by a loan officer of Loan Depot ( loandepot.com ) for a mortgage refinance. He explained to me that I was prequalified after he pulled my credit report. He asked for my credit card number to pay for the appraisal. I gave him my credit card number and then {$370.00} was charged to my credit card. About two weeks into the mortgage loan process, The loan officer suddenly had become unresponsive to my phone messages and email inquiries. My last contact with him was on XX/XX/XXXX. Then on XX/XX/XXXX, my processor sent me an email notifying me that the  appraisal had been finished. Then after that my loan was a complete standstill. I could not get any updates with my loan until XX/XX/XXXX when my processor sent me an email stating that they were trying get some conditions fixed with the appraisal. By this time my loan had been reassigned to another loan officer.  Eventually on XX/XX/XXXX, my processor told me that the appraisal was useless because the appriser refused to fix some corrections in the appraisal. My processor said that Loan Depot would be doing a desk appraisal instead which is only running comparable sales from a computer. This completely messed up my loan and made purchasing an actual appraisal a waste of time and money. I should not be liable to pay for the appraisal. Loan Depot made a complete mockery of this loan. I was misguided by the initial loan officer who ordered the appraisal. Three weeks into the loan process my loan officer suddenly disappeared while leaving my loan at a complete standstill for weeks. Then the appraisal ordered was insufficient and could not be used causing my loan to be denied. The appraiser refused to provide the required information for the processor so it was a total waste.Now I am being charged {$370.00} for an appraisal that was done according to Loan Depot 's standards and they were the ones who ordered the appraisal.
In XX/XX/XXXX I defaulted on an AAFES credit card with a balance of {$6800.00}. The matter was turned over to XXXX for collection. ( I selected the items on this site that best described my issue but it was not an exact match ). XXXX first garnished my military XXXX for 6 months in XX/XX/XXXX. I can not find records of this. They then garnished my wages from my employer XXXX XXXX in XX/XX/XXXX through XX/XX/XXXX. I have evidence of this in my attachments. I started a new job in XX/XX/XXXX and in XX/XX/XXXX XXXX garnished my wages from XXXX XXXX XXXX and are still presently doing so. In XXXX of this year XXXX garnished my military XXXX once again and are now garnishing both my work wages and my XXXX, leaving me no disposable income. All my earnings go to obligations with very little exception. I am attaching the last statement I received from AAFES which shows just last month they collected {$830.00} from me. 
I have spoken with XXXX on several occasions and they will tell me nothing, simply refer me to AAFES. AAFES told me in XXXX of this year that they show no record of collections from me until XX/XX/XXXX. I am attaching summaries from XXXX that show a garnishment in XX/XX/XXXX and XX/XX/XXXX. AAFES only started sending me statements this year after I complained to them. The original billing from XX/XX/XXXX was for {$7900.00}. In XX/XX/XXXX, they stated my debt was then over {$13000.00}. In XX/XX/XXXX, the debt was still listed as over {$13000.00}. The statements finally started showing a decrease in the debt. I am not sure what I can do to prove all the garnishments but I hope I provide evidence of enough to show that XXXX collected a substantial amount from me without forwarding all they collected to AAFES. AAFES offered me no solace. i was told that they were a government agency and they could do what ever they want and they claim they gave me chance to negotiate. I did receive a notice of this but when I inquired they would not set up any payment agreement. Any assistance you can offer will be appreciated.
Over the past two years, I 've used a short term loan product from XXXX on 3 different occassions. In every instance, they 've incorrectly reported the accounts on my Transunion credit report. I 've disputed the accounts and had minor corrections made ( usually changing " open '' to " closed '' ) but the account keep being re-reported incorrectly. Recently, I received a report and saw XXXX closed accounts again reporting as open with balances and a large drop in my credit score. I want these accounts reported correctly or removed. This company 's business already skirts being legal and I would definitely call them predatory but to damage their customers credit so that their options continue to be limited is unacceptable. Here are XXXX example accounts with the problems noted and screen shots from their own web site showing the errors. 

1. ) Loan for {$800.00} opened on XXXX/XXXX/XXXX. Paid in full and closed on XXXX/XXXX/XXXX. Reports on my Transunion report as opened on XXXX/XXXX/XXXX with a high balance of {$1000.00}. Last payment listed as XX/XX/XXXX (?! ). Listed as open with a balance of {$330.00}. Last reported/updated on XXXX/XXXX/XXXX XXXX. ) Loan for {$600.00} opened on XXXX/XXXX/XXXX. Paid in full and closed on XXXX/XXXX/XXXX. Listed on Transunion as open with balance of {$480.00} and last payment on XXXX/XXXX/XXXX. Information last updated/reported on XXXX/XXXX/XXXX.
CitiFinancial posted a 60 days late XX/XX/2012 on my credit report. I have spoke with a representative by the name of XXXX XXXX and she stated to me that she will put in a request to have it removed due to an account error on their end. I told her that I don't have any knowledge of late payments and that I had automatic debt payment setup on my account. I informed her that there may be a processing error on my personal banking account or there transactional side. I can not remember the reason, but she said that she would correct it and send it to the credit bureau to have the 60 days deleted immediately. Please have them remove the late payments immediately.
I pulled my XXXX XXXX Credit report on XX/XX/XXXX. I noticed there are XXXX inquiries by the company " Transworld Systems INC / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX '' on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no trades to justify the inquiries. Not only does that bring down my credit score it makes it harder for me to gain employment, I also fear it make be my ex boyfriend trying to locate me, he is a debt collector.
I have tirelessly tried to resolve this matter with this collection company but to no avail. I found this company had reported an account to my credit report which I believed was an invalid debt not belonging to me. I sent them by certified return receipt mail a debt validation letter dated XXXX XXXX, 2017, which they conveniently ignored. Concurrently when I disputed the item with the credit repositories, I was told that the debt collection company responded back to them affirming that this account was valid. I am appalled that this company continues to violate my rights and refuses to delete the account despite not being able to provide the original debt instrument.
When you want to place a " credit freeze '' with Trans Union, they require you to submit your driver 's license or other form of government ID. Neither XXXX or XXXX require this. Trans Union 's requirement of more personal information from a consumer to place a credit freeze seems unnecessary and burdensome. As evidenced by the XXXX breach, these companies can not be trusted to protect our information. One should be able to place a credit freeze without providing additional information. 

" To set up a security freeze with TransUnion, please visit our online form. You should be prepared with the following types of information : A copy of a government-issued identification card, such as a drivers license or state ID card, etc. 
A copy of a utility bill, bank or insurance statement, etc. '' https : //www.transunion.comXXXX
I set up a Paypal transfer of funds for {$5000.00} to another individual. Paypal immediately reversed the transfer because they thought it was fraudulent. The initial transfer was on XXXX XXXX and there has been a pending refund on my account from the same day when the transfer was reversed. Despite them canceling the payment and reversing it, the money still was removed from my checking on XX/XX/XXXX. No refund has been deposited as of XXXX XXXX. I was told by Paypal to contact my bank if the deposit did n't show up on XX/XX/XXXX but my bank said they are not holding up any deposits from Paypal. When I called Paypal again I had to speak to XXXX different departments of Paypal, waiting on hold for over an hour to get them to tell me why they wo n't give me back my {$5000.00} that should never have been withdrawn in the first place if they flagged it as fraud. Their explanation is that they must first receive the money to refund it, but it has been 2 days since my bank has debited my account. Their procedures put the consumer at risk for overdrafts and late payments because they do n't give any information about 3-5 day delays in the actual transfer of funds. They advertise instant money transfers all over the place and it seems they accomplish this by fronting the money while it may takes days to clear on the back end. Why ca n't they front the money for a refund when they are the initiators of a fraud check and the consumer is able to verify the transaction within minutes of them reversing it. They should just put the transaction on hold instead of reversing it. Or they need to be more transparent about what is happening to the money in these cases so the consumer can protect themselves from overdrafts.