WillisBack/dataset-financial-user-claim huggingface dataset:
My name is  XXXX   XXXX   XXXX   XXXX , and I am a   XXXX   XXXX   XXXX   veteran of the United States  XXXX  pursuant to   XXXX   XXXX   in  XXXX . Sadly I have written you about this very same issue most recently, and it is still not fixed and has become more ludicrous than ever. Today,  XXXX   XXXX     2017, I  received yet more correspondence from the   XXXX   XXXX   XXXX   XXXX   out of  XXXX  Alabama asking for a " fire declaration  page-2nd  notice. ". This agency is sub-contracted by  USAA for  Wind and Hail on my house. This is absurd considering this Monday or Tuesday, I received in the mail from  USAA a co mplete and valid policy from the   XXXX   XXXX   XXXX   XXXX  . So how can they possibly still require anything from me and why are they not going directly though  USAA    XXXX   XXXX   XXXX  ? This makes the 7th correspondence I have received from the   XXXX   XXXX   XXXX   XXXX   since  XXXX   XXXX   2017.  I have contacted  USAA cou ntless times about this to no avail. I contacted them again today and spoke to a  XXXX . I told  XXXX ,  USAA had     XXXX   options, get this fixed once and for all by Fri day ( whi ch I have no hope of occurring ) ; foreclose my mortgage as I really no longer care, and third I was going to write your organization again. This is sheer harassment plain and simple. Furthermore, it is odd I have had issues with  one  of the biggest players in Insurance, the Probate Judge of  XXXX  County Alabama  XXXX   XXXX , who has no formal legal training, and was the  XXXX  of  XXXX  for  12-years unt il had to step down for dubious reasons. Furthermore,  XXXX   XXXX  has ties to former  XXXX   XXXX   XXXX , who utilized law enforcement and other agencies to intimated citizens of Alabama. This letter from   XXXX   XXXX   XXXX   XXXX   was signed by a  XXXX   XXXX   XXXX , and did not include form they wanted me to sign. Furthermore, there are over   XXXX   veterans in this area.  XXXX   XXXX  is a veteran and  USAA is a  veteran/service member bank. I do not know if there is any connection betwee n USAA,   leadership,  XXXX   XXXX  and  XXXX   XXXX  but given all my issues this should more than likely be explored by the appropriate personnel or government agencies. I have had more issues with  USAA of all di fferent sorts the last  3-4 ye ars than I have had since I joined when I was  XXXX -y ears old and e nlisted in the  XXXX . For reference,  XXXX  and  XXXX   County is one  of the richest cities/ counties in the  State  of Alabama  XXXX  with alot of billionaires and multi-millionaires, which translates to a lot of influence.Thank you for any assistance in a advance.     PS : In my subdivision of   XXXX   XXXX  , most houses survived bot h Hurricane   XXXX  and  XXXX  with minimal damage, so really why the requirement for wind and hail or at least a significant discount?
I set up auto-payment for my Chase XXXX card and was told it was set up correctly. Nearly 2 months later, I started receiving calls from Chase tell me there was something wrong with my account. When I logged in, I saw that my payment was overdue, and therefore I was incurring interest charges. In addition, there was a returned-payment transaction that had zero details. I called Chase to ask why I received zero notifications or emails that an auto-payment failed, they said : " you have to log in to see your notification ''. I then told the rep that there was no notification in my account, he started giving me a really long roundabout. This is an incredibly shady and predatory business practice to allow customers ' payments fail, give them no notice, so that Chase can passively charge interest income.
I began disputing this entry with XXXX as it is reflected on my XXXX  credit report. For the last year, this company has denied that they have any account with my information attached to it. This is ludacrous. Why then is there an entry reflected on my report? I have never opened an AMEX nor XXXX 's account. This account is fraudulent and should not be reflected on my credit report. 

Being that XXXX by phone and in writing has stated they have no records with this account information or can't provide any documentation to substantiate what they are reporting, the entry must be DELETED! I am prepared to hire an attorney as it seems that the company does not want to cooperate with my requests and this account is continuing to report on my credit. 

This account does not belong to me, was fraudulently opened and therefore I am demanding that it be deleted!
I have a credit limit on my Chase Credit card of {$7000.00}. In the month from XXXX to XXXX 2015, there appeared on my credit card XXXX internet transactions for purchasing dogs on-line. I never ordered, nor authorized the purchase, nor did I receive any dogs or puppies ever. Chase now claims that I owe over {$12000.00} for these animals. The charges in question are as follows:1. XXXX on XXXX/XXXX/15 for {$5800.00}. XXXX XXXX on XXXX/XXXX/15 for {$2900.00}. XXXX XXXX/XXXX/15 for {$2600.00}. XXXX on XXXX/XXXX/15 for $ XXXXThese fraudulent charges total over {$12.00}, XXXX in XXXX month. Again, my credit limit is {$7000.00}. Any reasonable person would see that these charges are crazy. I have had this credit card for about 10 years and have never purchased, nor would I purchase a dog over the internet. I have n't even come close to my credit limit in those 10 years. I wrote XXXX letters to Chase for them to have a reasonable person look into these fraudulent charges but have had no luck. I even sent a complete package to XXXX XXXX, the XXXX of JP Morgan Chase on XXXX XXXX, 2015 to his New York office but they did n't even look into the case. I received a " standard '' rejection letter from the fraud department dated XXXX XXXX. They have not sent me any proof that I ordered or authorized these purchases. No signature, no emails, no recorded message or any proof that I authorized or purchased these animals. I need your help. They are ruining my credit.
Tower Loans, XXXX Missouri after being asked in writing to stop harassing calls, continues to call me multiple times per day. They call my work cell phone despite being asked to stop. They continue to call over and over, and leave messages that say " I know you have made your payment, but we need to talk to you ... '' or " this is XXXX, please call me back ''. They call from ( XXXX ) XXXX and ( XXXX ) XXXX mostly.
My husband and I applied online for a Southwest Airlines Premiere credit card and the promotion was for XXXX Rapid Rewards points after we met the qualifications, which we did, but now Chase is not honoring the points we should have received, because they state that we did not get the card during that promotion. I even provided them with the information from the website when we applied that CLEARLY states the XXXX point promotion, but they still will not honor their promotion. I believe this is false advertising, and I have a major problem with that.
On XXXX XXXX, 2015 @ XXXX I was contacted by someone caed my job stating that she needed to what time I would be home to serve me some papers I needed to sign for I informed her that I work daily and do not have set hours that i come home in the evening. I then asked what kind of papers she responded just to notify me of debit she gave me contact info of the company with a reference number. I called the company @ XXXX Reference # XXXX & the said the were working for an investor & they wanted full payment I explained i can make a payment of {$20.00} a month she put me on hold said investor would on take {$170.00} a month i explained i could not afford that amount & she got really rude and stated how close can you come i responded {$20.00} she said i need to be more realist with payment. I hung up on her when she got loud. I recieved several number withheld numbers & then a message was left stating she would be out to my home on XXXX XXXX, 2015 & she needs to see my ID to leave papers & she has a XXXX address she will also go to if i am not home and left the number where the papers where sent from. I then called the company who does not give the name of the company & I spoke with XXXX XXXX ext. XXXX I explained to him that I recieved a voicemail from some woman stating she was going to bring papers to my home & XXXX address if I am not home I told him they could not come to my job he stated that she would not and they would just be sent in the mail if she could not reach me. As i was hanging up the phone he stated good luck in court & hung up. I called the number back and asked for his name, company name, & address so I could file a complaint for the comment he made about have a good luck in court when I was told the day before that the papers were just to notify me of the debt & it had not reached that stage yet & I also wanted to report him for his attitude. I also told XXXX XXXX that I was going to report the threat to take legal action to the FTC. He then became reallly rude and gave me the address of Lion Stone Holdings Group LLC XXXX New York XXXX and the Director is XXXX XXXX ( ext. XXXX ) & he stated again good luck in court case we do plan to take action & do you want the attorneys name I hung up on him because he was upseting me with his rude attitude.
I have paid both XXXX XXXX accounts on XXXX/XXXX/16. XXXX accounts reflects it was paid but not the other. They both cleared the bank on the same day.
I was never late in paying my Capital One. The account was on autopay set up through Capital One and that had been the mode of payment since establishing the account. I paid the account off in XXXX. I do n't know how they can justify destroying my credit by stating that I was XXXX, XXXX and 90 days late for account number XXXX and that my account was closed by grantor. My credit score has dropped at least XXXX points because of this false reporting to all XXXX credit bureaus!! When I call and wrote ( certified mail, twice ) Capital One they refused to take this enormous mark off my credit. That account has a zero balance and was closed at my request, as I had XXXX other Capital One cards with higher balances. This behavior is not in good faith and I dispute the last report to the credit bureau. Please investigate and remove the late payment from XXXX and XXXX off my credit report.
Westlake Financial has an auto loan being reported on my credit as a repossession/charge off and that information is incorrect. I spoke to numerous representatives to resolve this matter but they keep trying to negotiate a balance that is incorrect. I spoke to representatives from ( XX/XX/XXXX - XX/XX/XXXX ) ( XX/XX/XXXX )
I sent Experian a dispute on XXXX/XXXX/2016, XXXX/XXXX/2016, and again on XXXX/XXXX/2016. It is now XXXX/XXXX/2016 and I have not heard back from them. According to the FCRA, Experian has 30 days to investigate the dispute and send me the results, if they do not get back to me they are supposed to delete the disputed accounts. I understanding going a few days over but, it 's been over 3 months and I have not heard anything back from Experian. Please contact Experian and have them delete the disputed accounts off my credit report.
There are accounts in my credit report that do not belong to me and Equifax is ignoring my requests to investigate and remove them from my credit report.
HSBC Bank N.A Is always confiscating money transferred coming through their XXXX payment Hub in XXXX and probably many other people around the world. They withhold the funds for weeks under the pretext of conducting Anti Money Laundering information gathering on the remitter/beneficiary and they use payment network inefficiencies and the multiple layer of intermediaries to keep the funds the longest possible time and most likely accumulate more and more interest on the unlawfully and indiscriminately confiscated funds. Although they are given the information by the intermediaries they still hold the funds. Worse HSBC NY continue to repeat this confiscation and asking intermediaries the same questions ( remitter/ben date of birth, Place of birth, Citizenship and ID ) over and over again. The bank maybe using XXXX profiling using remitter names ( i.e an innocent remitter/beneficiary with the name XXXX will probably get his money confiscated repeatedly over the years and for weeks, while a money launderer named XXXX XXXX may sail through their network with no issues. No one from HSBC N.A/N.Y has bothered to contact me to explain or help. For years this on-going bad practice by HSBC N.Y goes conveniently unchecked. No one from HSBC has bothered to enhance the system to populate the information they gathered about me from previously confiscated funds, i assume because it is not in their " INTEREST.!!! ''
I purchased a new vehicle, and utilized Bank of America for financing. Upon getting my account information, I set up an Automatic Payment utilizing their Online BillPay functionality, in order to make sure all my payments were received on time. Yesterday, I received a Certified Letter that the account was delinquent, and they would be attempting repossession if not brought current. Though my conversation with their collection department, it was learned that BofA has been applying my payments for my car loan to my credit card, which had a zero balance, and now has a credit of well over {$1000.00}. I have attempted to correct with their online support team on the phone, who has transferred me to multiple departments, none of which appear capable of correcting the issue. When on the call with their last representative, when I explained the situation again, and he still could n't understand the problem, I asked to speak to a supervisor. Their Customer Service Representative then hung up on me. At this point, I still have been unable to have a CSR correct any issues, including the fact that they have reported my payments as late to the credit bureaus, impacting my Credit History.
I have a Checkings account with Chase bank. Recently, I made a payment using my debit card at a credit union ( to pay off my car loan ). The total payment was {$5300.00} and since my debit card limit for a day is only {$3000.00}, I paid it in two payments. {$2700.00} on XX/XX/XXXX and the remaining {$2600.00} on XX/XX/XXXX. I just found out that I was charged a total of " Non-ATM cash fee '' of {$160.00}. {$81.00} for the {$2700.00} transaction and the remaining {$79.00} for the {$2600.00} transaction. 

This {$160.00} fee for just using my debit card ( not even a credit ) to make a payment is very high. When I called the chase bank customer service, they were not able to explain clearly why I was charged this 3 % fee. The representative and her supervisor that I spoke with both said this is a " cash advance fee '' that I was charged for doing a transaction with a teller at a Non-Chase bank and told me to refer to my accounts fees, rules and regulation. Mentioning it is my duty to find out why I was charged and not theirs to explain. 

The chase guide to checking account found on this link, https : //www.chase.comXXXX   does not mention anything about a " cash advance fee ''. Moreover, the description provided for Non-ATM Cash fee is " You use your Chase Debit Card to withdraw cash from a teller at a bank that is not Chase ''. But I did not withdraw cash, I was only making a payment.

I have attached both the simple guide for checkings account ( 3 pages ) and the Additional Banking Services and Fees for Personal Accounts Deposit Account Agreement pdf ( 13 pages ) available at this link https : //apply.chase.comXXXXXXXX XXXX. In both the documents, there is no " cash advance '' and the non-atm cash fee is only for a withdrawal of cash.

As an additional note, when I tried to my pay off my loan ( {$5300.00} ) it was declined since my limit was only {$3000.00} for a day. So, I called the bank and tried to get them to increase my limit or make an exception for this one transaction. After speaking for almost 30 mins they were still not able to do it. So that's why I ended up making two transactions. However, not once during this call any customer service representative inform/warn me about the charge I will incur if I proceed with the payment.
On Thursday XXXX XXXX 2016, I was called by Credit Consulting Services at XXXX. I returned the phone call at approximately XXXX on Thursday XXXX XXXX 2016. My first complaint was against the same company the other day, but then I remembered that they also called for XXXX bills of mine that they have. It was the same representative who was rude and her supervisor who was rude and would not help me as I demanded her and I to switch roles and see how she liked how her employee acted towards me. The employee seemed like she did n't care about her job and thought it was a joke as she went ; " hhhhhmm and chuckled, '' when I advised her that I could n't take care of it and did the same chuckle when asked me to put it on a credit card. The supervisor/manager was very rude as well. The representative never asked for my last name, last XXXX of the social, address. All the representative who answered asked for a phone number since I called blocked and my first name. They should not be assuming with only XXXX pieces of information that is me or correct. I feel that since the company see 's my last name that they are racially profiling and sending the letter in English and XXXX. I have never had this issue before and I find it very offensive and all letters and communication needs to be in 100 % English or legal action will possibly be taken. I have the documents as well for proof.
There is a charge on my XXXX secure card for XXXX although the company recognize I didnt sign up for over the limit they refuse to remove the transaction that I didnt make to begin with I have sent the company documents of that prove this is in fact a fraudulent charge
I have two hard credit pulls on my report that were not authorized by me. One on XX/XX/2016 by Institution Information XXXX/XXXX XXXX   XXXX, XXXX XXXX I was in recovery in XXXX at this time. 

The second is on XX/XX/2016 as well. By XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX  XXXX
The number of times late that is being accounted on my credit report seems to be inaccurate and or deceptive.
We went through years of trying to get them to give us a modification. They would never do it. Now they sent us a letter saying they made a mistake and sent us a check for {$100.00}.
I noticed in last month, XX/XX/XXXX, that our time share company showed up on our credit report and with payment history. Cool, I have no problem except when I looked at it I noticed late payments! XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( XX/XX/XXXX XX/XX/XXXX ) hows late XXXX days. I have made all my payments and currently I 'm working to get a mortgage and this is how I found out. They showed me and no I ca n't get a house. This was not on my credit over month ago and suddenly it shows. Experian is reporting inaccurately. I sent them a letter last month disputing this account and no response. I 'm desperately trying to figure out an easier way but it does n't matter bc it 's impossible to get ahold of someone there without waiting and then when you do wait and someone picks up.. they seem over confused and barely speak english. Hopefully this will bring me some relief. thank you
Today XXXX/XXXX/15 I received a call from Flagstar mortgage company stated that are returning my check for {$75.00} due to me being delinquent on my mortgage. The young lady on the phone stated that it is there police to not accept partial payment on delinquent accounts. I have been delinquent since XX/XX/XXXX and during this time they have accept partial payment up until XXXX/XXXX/2015. This issue is only one of the issues I am having with Flagstar. this is the second time since XX/XX/XXXX I am filling for lost mitigation with their company. First they denied me because that stated my unemployment would run out by a certain date. this was after going several round with them not reading the paper correctly. On top of this matter the lost mitigation team never received my paper work which I up loaded on Flagstar website. Each time after receiving a call for the collection department stating they did not have the paperwork, and CSA was able to see the uploaded documents, and stated they were forwarding a note up to management and or lost mitigation that the documents are in the system. Both time I had to demand to speak to a manager and directly send them the requested information. And they requested signed copies of the loan process form that I filled out on line. This situation is getting very frustration and stressful. Bad enough I was unemployed and am now underemployed, but for them not to provide the help that stated they would and not. I am following the information my XXXX XXXX adviser stated I should do, but in the meantime I would like to resolve this issues of Flagstar not accepting my partial payment as well as their document uploading process.
So not only will they not prove to me what I owe I know that i owed like XXXX dollars and now it is well over XXXX.second issue is i tried to get in touch with this company for weeks and would sit on hold for hours to be hung up on. Third problem is they told me if i made payments that they would reflect it on my credit every month and they just said that to get me to agree to pay something. Now i call and they say they wont do so until entire debt is paid for. I have researched this company and they have tons of reviews stating that once paid they dont report that it is. My last problem is I ca n't believe a word they say now. I want the original amount from the original company because i know XXXX is completely rediculous. They treat you like XXXX and say well it is your credit. I am trying to buy a house and this rediculous company is holding me back. I am willing to pay them XXXX the XXXX for original debt and XXXX just to shut them up and get this resolved but i am at a loss. I need them to report this off my credit and for correct amount.
I was for an XXXX XXXX Membership on my XXXX store card held by XXXX XXXX which was not authorized. When I was alerted that a membership fee would be charged ( this was in XX/XX/XXXX ) I initiated an online chat with an XXXX representative and they advised the membership would be cancelled and no fee would be charged. Evidently the representative did not cancel the membership and they I was billed {$120.00} on XX/XX/XXXX. I reached out to XXXX a second time and advised them the membership was supposed to have been cancelled. The representative said they would cancel and issue a credit for the fee. When I received my Synchrony statement in XXXX I was shocked to see that fee had not been credited and in addition there was a late fee and finance charges. To further complicate the issue my account is showing delinquent so I initiated a dispute with Synchrony and asked for a temporary credit while the dispute was in progress. Synchrony refused and said I would need to wait until the dispute was reviewed. When I advised Synchrony I would contact the CFPB the OCC and XXXX   they closed my dispute by saying that the charge was for an XXXX XXXX Membership and to contact XXXX!!! I feel that both the merchant ( XXXX ) and credit card issuer ( Synchrony ) are engaging in unscrupulous practices and predatory lending that leaves the customer with no recourse ( basically they charge what they want when they want and the consumer is powerless to challenge what they are doing ). I appreciate any assistance the CFPB can provide in helping me resolve this matter. Thank you