WillisBack/dataset-financial-user-claim huggingface dataset:
I am a member with USAA Bank and I have been having a problem with them because of a scam i fell for. The scam was an employment scam. The scammer contacted me with an employment opportunity. Subsequently, I cashed a check that they emailed me and wire transferred it into another bank because of the story they told me ( the whole conversation was documented ). After depositing the check and wire transferring it out to XXXX Bank, i figured out this was a scam. I immediately called USAA to tell them what happened so actions could be taken to stop all further transactions. Unfortunately, the representative i spoke to did not inform me of all actions that I could take and the my overdraft protection, that i have on my checking account, kicked in and I was charged with the full amount of the check ( approximately {$7900.00} ). I continued to speak with different representatives and departments within USAA but I always felt like I was getting the run around and no one really wanted to help with the problem. At one point, an USAA representative stated that she would get in contact with XXXX Bank on my behalf to try to resolve the problem, that never happened. I spoke with XXXX Bank about this problem and their Fraud Dept said that they would put on inquiry into the account that the money was transferred into, but could not do anything else. The XXXX Bank representative said that my bank, USAA, would have to get in contact with them for anything to proceed any further. Again, USAA did not want to help this problem and said that I am responsible for all money that was charged due to my overdraft protection.
Portfolio Recovery uses a random number generator to disguise where they are calling from. They also pretend to have the wrong number and they are just checking. They continually harrass me by phone and they continually do inquiries in my credit with all three credit reporting agencies. They never tell me why they are calling. I have never done business with them or owe them anything. They need to stop.
They also shared my phone number with Spammers and now my phone won't stop ringing.

XX/XX/XXXX

As you can see, Portfolio Recovery has stepped up their harrassment ny callingme two or three times a day beginning in XXXX. Sometimes FOUR times a day. They need to stop calling me for something I do not owe.
I keep receiving letters from XXXX XXXX XXXX, XXXX regarding a bridge toll violation. The letter indicates the violation was made by a car with Arizona license plates with the number XXXX. THIS IS NOT MY CAR. I live in California and I have never driven a car that has AZ license plates and I do not know anyone who is from Arizona.

This agency is threatening to collect a {$75.00} fee by going through the California State Franchise Tax Board. 

I have called this company thrice to explain that they are pursuing the wrong person for this violation. They have assured me that they will take care of it and I was told all three times to disregard the notice. Well, today I got a fourth notice! 

Today I attempted to call this collection agency a fourth time. This time the automated system asked me to enter my account number and my zip code and then the automated system says they have no record of this account number. When I attempted to use the automated system to reach a human being I got a rapid busy signal and then the line went dead. I tried three times before giving up.
{$490.00} from Best Buy in XX/XX/XXXX still be reported and dropping score {$230.00} from XXXX in XX/XX/XXXX still being reported and sending letters and dropping score
Kohl 's paperless billing system for their Kohl 's Charge program fails to provide consistent notification of account status, and their web site frequently encounters technical issues which make it impossible to check account status or make payment in a timely fashion. I believe they are manufacturing late fees on their charge cards for profit and I have evidence to show this pattern. I have spoken to their customer service department, their customer service supervisor, the online secure message center, and to XXXX ( XXXX ) who is their Executive Correspondence Advisor - ( the person who calls you when you email the CEO. ) At every level they refuse to acknowledge their error and say the matter is closed and that nothing will be done. Here are dozens of examples of the pattern I mention from just XXXX credit card review sites : XXXX A satisfactory resolution would be a refund of {$68.00} of late fees and corrected credit reporting to " pays as agreed. ''
Good Morning, Not too long ago, I obtained a copy of my Credit report and was shocked to find a credit inquiry by from the following companies ( transunion, XXXX and XXXX )  listed below and that I do not recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it beforehand. Please have this inquiry removed from my credit file because I believe I did not authorize this inquiry. I have reached out to each company several times with certified mail, phone calls and faxes and no responses. This is hindering me daily with fixing my credit for not only for myself but to also become a homeowner in the near future. 

Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. 

I would appreciate your immediate attention to this matter. Kindly forward me documentation that you have had the inquiry removed. 

Otherwise, please send me proof of such authorization, if you find that I am confused, and you did have my authorization to inquire into my credit report. 


Transunion & XXXX that should be removed did not authorize XXXX/XXXX Inquiry from XX/XX/XXXX & XX/XX/XXXX  XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX- Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX that should be removed did not authorize XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Equifax is reporting that my XXXX account was charged off twice once in XXXX XXXX and then after going positive for over a year the macys account was once again charged off in XXXX XXXX. How can a account that is alledgedly charged off go positive again, and then once again charge off?. This info is inacurate and is causing my credit score to not improve. I have included supporting documentation to support my claime. My loan officer can not figur this out either.
Big Picture Loans / XXXX interest rate is against CA laws also take inrerest only payments then drafted remote chevks after I had filed a stop on ACH withdrawals was and is difficult to stop remote checks XXXX
Hello : I contacted the bankruptcy court in my jurisdiction, XXXX, CA, and asked them about the bankruptcy reporting to the credit bureau. They stated that they do not provide the credit bureaus with this information. I then contacted Equifax, because they list a bankruptcy on my credit report ****with an account/docket number that is not mine*** and which I do not know at all. I sent two letters in XXXX of XXXX, stating that the account number is incorrect and that the Bankruptcy court, according to the bankruptcy court, does not provide information to the credit bureaus. Since this information is inaccurate, I want it deleted. 


Equifax states that they conducted an investigation, but this is false on its face. The reason is the following : If you look at the date verified, you will find the date of : XXXX/XXXX/XXXX. So, how is an investigation being conducted at all if my TWO letters are sent to them in XXXX of XXXX? ( Please see attached where it states : Date Verified ).

Equifax violates Section 611 of the FCRA which states : " In general, subject to to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file is a consumer reporting agency is disputed by the consumer and the consumer notifes the agency directly ... the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and the record THE CURRENT STATUS of the disputed information, or delete the item from the file in accordance with paragraph 5 ... '' Equifax also violates Section 609 of the FCRA which states in section " ( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( 1 ) [ 1681 e ] that procured a consumer report. '' Also, how does Equifax explain the inconsistency of me being told that they do not verify with the bankruptcy court -- -and then they ( Equifax ) list on the bankruptcy reporting that. 

Furthermore, and finally, according to the FCRA my report is supposed to be completely accurate. I do NOT know " Docket XXXX '' ... if that is my docket number, show me any documents that I have which state so. But I believe, otherwise, it must be deleted. 

Finally, and a more minor thing, Equifax has a hard inquiry of XXXX account, but when I asked for documents of this -- -since I do n't have knowledge of it -- -they " verified '' it. I would like them to produce copies of my signature for CFPB and me alike ....
In XX/XX/2018, I set up a recurring payment in the amount of {$550.00} to cover the amount due monthly to XXXX Heartland, the loan servicer for 3 loans I hold at XXXX XXXX. Since then, the money has been debited from my bank account, and I have received no notice that anything has gone wrong. Today, I got an email from XXXX XXXX  stating that one of my Perkins loans was two months delinquent. When I logged in to my XXXX account, I found that my monthly payment had not been covering the full amount due for my loans, and that one of my Perkins loans was 2 months delinquent despite my automatic payments. 

When I called XXXX for assistance, they told me that the automatic payment of {$550.00} was not covering the full amount of the loans because the loans had started to accrue late fees due to the payments being posted on the XXXX of every month when the loans come due on the XXXX each month. Because my payments were being made late every month ( instead of being made on the XXXX to cover the payment due on the next XXXX, as I assumed ), they had been taking part of the money supposed to go toward one of my Perkins loans and instead applying it to the late fees, causing my loan to show that it was delinquent for two months. When I asked them how it was possible to set up an automatic payment on a date past the date when the loans were due, they let me know that there is no protection in their system to prevent from this, so they just allowed my automatic payments to proceed without any adjustment or notification that the loans were being paid late every month. This explanation, quite simply, is ridiculous. Automatic payments are meant to be set so that the payor does not have to log in to his account every month and make sure the correct amount is being paid. XXXX has set up a system in which they are able to collect late fees by allowing people who are attempting to diligently pay back their student loans to make late payments, and this practice is both ridiculous and predatory.
I tried to buy a washer and dryer at XXXX XXXX in XXXX Arizona on XX/XX/2018 and the store said that they could not get the information from Experian.We tried many times calling to XXXX with no help.The reference number is XXXX and the report code is # XXXX.XXXX XXXX number is XXXX.This is not the first time that this has happened and was very embarrassing.
My property taxes decreased from approx. $ XXXX to approx. $ XXXX. I called XXXX customer service on XX/XX/XXXX to ask that my escrow account be re-calculated, my monthly payment refigured before my next payment due date of XX/XX/XXXX and any excess money in my escrow account refunded to me promptly. The agent advised me to submit a request via the message center on the XXXX website. I did this the same day - XX/XX/XXXX. Shortly after I received a text message ( see attached ) confirming my email message was received. As of today ( XX/XX/XXXX ) I had not received any other response. So, I called the customer service center again ( the escrow/tax department @ ( XXXX ) XXXX ). The agent I spoke to said they had NO RECORD of my email communication! He also stated they would review my escrow account in XX/XX/XXXX/XX/XX/XXXX. I am requesting my escrow account/property taxes be reviewed and adjusted immediately. The agent was unwilling to do that. I asked to speak to his supervisor and he stated there was no supervisor available. My new monthly pay will be approx. {$290.00} LESS than it currently is and I am also due a refund for excess money being held in escrow. I submitted my original request on XX/XX/XXXX and am asking my new payment be reconfigured before my XX/XX/XXXX payment due date and excess escrow funds be dispersed to me promptly. Thank you for your attention to this frustrating situation.
I had previously submitted a complaint under " CFPB  Case Number  :   XXXX   ''.   In response to my complaint,  SunWest  Mortgage  Company  stated " Th e appraiser has  mentioned in the appraisal report that the subject property was recently renovated ( in the year    2013  ). The subject property had new roof, new vinyl siding, new kitchen, new bathrooms, new laminate flooring throughout, new furnace and new hot water heater. This indicated that the subject property was in like new condition. ".   The truth, however, is that : the roof was not new, the vinyl siding was not new, the furnace was not new, and the hot water heater was not new.   I would like to hear from the Bank, as the Bank seeks a response from the Appraisal company they had hired.   Based on what assurance did they affirm that : the roof, the vinyl siding, the furnace, and the hot water heater were new?   This information led the Bank 's underwriters to believe that the property had been recently renovated. This is no laughing matter, but it almost can serve as a joke when we talk about the furnace and hot water heater. These a very, very old.   Why did the  appraiser say they were new? Did the seller provide the appraiser with receipts of newly purchased and installed furnace and water heater, or the appraiser  simply assumed they were new?
I closed my account with  XXXX  back in  XXXX   2015 but  for some unknown reason, they are pulling my cred it 2015 until  now. I tried to dispute with Equifax but I was told that I can not dispute it since it is the account I had it before. I called  XXXX  but they told me to speak with Equifax. I am suspecting that somebody is using my name to obtain a credit card or something is going on here.
In XXXX of 2016, I received notice from Bank of America that my Safe Deposit Box, which was free of charge for the past ( 10 ) ten years, would now be assessed a {$63.00} annual fee. Being that I have rarely, if at all used the Safe Deposit Box, I attempted on ( XXXX ) XXXX occasions to close it. With each attempt, I was met with resistance from the Bank of America Branch Personnel. The following are the types of resistance which were presented to me. ( 1 ) " You must make an appointment and come back at another time. '' ( 2 ) " You must have a government issued ID. The ID on your Bank of America Debit Card is not sufficient. '' The Safe Deposit Box is empty and all I would like to do is return the keys. I was told if I did not return the keys, I would be assessed a {$250.00} rekeying fee. This is the last account I have with Bank of America, since I have closed my checking account, but I continue to receive notices concerning the {$63.00} annual Safe Deposit Box fee.
I try to get information from XXXX to prove that I left to XXXX before hand, but the company was not cooperative.
Credit bureau is in violation of FCRA, GRAMM- LEACH- BLILEY ACT and 49 CFR 801.56 among  others.
XXXX XXXX : IQ Data. XXXX XXXX XXXX, XXXX, wa XXXX XXXX XXXX XXXX, Mgr Acct # XXXX Original Debtor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX refused credit and to sign lease based upon insufficient credit. 
roommate signed as leaseholder and I moved into XXXX XXXX per XXXX XXXX policy : in consideration of holding a set of extra keys : signed the lease. 

rent was paid for the 3 months lived there on time and in full. 

XXXX XXXX : notified XXXX XXXX of vacating premises, moved out, returned my set of keys to XXXX XXXX XXXX thus ending my lease commitment, which was based upon the contractual consideration of holding a set of keys, XXXX XXXX : XXXX XXXX XXXX evicted my roommate. they had knowledge I no longer lived on the premises and no longer had keys to the apartment, they therefore knew that an eviction was moot, and also that I could not be served at the address of the apartment I had vacated, facts : my entire income : social security and long term XXXX, are exempt from judgement per California XXXX procedure statutes, ccp 704.130 & ccp 704.080 facts : 1 ) I repeatedly called Iq data AND XXXX XXXX apartments asking for : proof of debt. copies of all documents I had signed, and to give them ALL the facts I report here, XXXX ) XXXX XXXX XXXX, and XXXX him XXXX XXXX XXXX actually hung up on me as did another iqdata rep when I asked for those documents, said they could not and would not provide written proof of debt, and ... during a recorded conversation tried to start stating " facts '' that were simply not true. 

I spoke to XXXX XXXX XXXX, XXXX XXXX XXXX mgr, XXXX, another XXXX, and various others over the space of several months, My calls were returned twice out of those many contacts, I have yet to receive ANY written correspondence or serious attempt in writing to provide the documents I have asked for. 

I am asking for the following resolution : XXXX XXXX IQ Data and XXXX XXXX XXXX will remove any reporting of this debt on my credit reports. 
XXXX ) notify me in writing that this has been done,
I borrowed XXXX XXXX dollars with a contract to pay on the loan every fourth friday of every month. Speedy cash changed the date every month the payment is due and besides that I have paid {$1600.00} on the account and all payments have gone towards the interest and late fees. I have given seven payments at {$220.00} each month since the loan and I owe at this time {$2800.00} at this rate the loan will cost more than I borrowed. I need help because this is a car title loan and I ca n't afford losing my car over this. I have called the corporate office and talk with personal they all say the same thing there is nothing that can be done except keep making the payments. The company staff is rude and unreasonable you would not believe the things that the low class unprofessional staff members have said to me. It 's like I borrowed the monies from XXXX in a street alley.
Experian has an incorrect name and incorrect addresses listed on my credit report and thy need to update my current address.
I have held a Macy 's store credit card for 30 years. Earlier in 2015 Macy 's mandated that all cardholders be converted to an XXXX XXXX card. Since that time I have been unable to access my statements on-line or receive e-Bills. But since I had n't used the card in some time I was n't too concerned. On XXXX XXXX, 2015 I used my Macy 's card for a small purchase. I have been anxious to receive the statement so I could pay the bill. I tried again to access the information on-line thru Macy's.com but found myself trapped in an endless circle of error messages. I tried calling XXXX customer service numbers provided XXXX in those messages and on my Macy 's card and XXXX times - despite the phone system confirming their operating hours on a Sunday as XXXX ( and I am in the XXXX ) - their system then asked me to call back during normal business hours ... and hung up on me. Eventually I found a standard Macy 's customer service number and began the odyssey of speaking to XXXX different people ; being forced to repeat the complaint to each person. The last person I spoke to was in their debt collection area - which I did n't understand. I used the card 3 weeks ago, how could it already be late - and how could I know since I was n't receiving any statements thru any method of contact. After a difficult phone call with this last person, who refused to listen to my complaint, insinuated that I had provided incorrect information to Macy 's - which we confirmed they had on-record correctly. The final straw? Being told my account is past due and what are my plans to bring payment up-to-date. After telling XXXX people that I have n't received a statement in months, that I did make a purchase 3 weeks ago and just want to get my account squared away on-line so I could make my payment ... I 'm treated like a person who is evading their debt. It 's all bad enough for any customer but for someone who has been a loyal customer for 30 years ... it 's beyond the pale. The last Macy 's employee I spoke with refused to send me an electronic bill, refused to offer any reasonable solution to the issue of not receiving any kind of statement at all and then demanding payment for a statement I never received. This is grotesque incompetence.
My name is XXXX XXXX. I can be reached at XXXX, XXXX and /or XXXX. I traded in a XXXX XXXX that was financed with Santander Consumer USA. My loan payment is withdrew by XXXX XXXX which also goes by the name XXXX XXXX   My loan payment is withdrew from my bank account each month by XXXX XXXX on the XXXX  of each month and sent to Santander by the XXXX. The XXXX XXXX was paid off on XX/XX/2018  by the XXXX XXXX dealership located in XXXX, Indiana. When I called Santander on XX/XX/2018 they told me they never received a payment from XXXX XXXX. XXXX XXXX faxed them the ledger showing the payment had been sent to them by XXXX-18. They changed their story three times in a matter of 2days stating the payment had been applied to someone else 's account then it had been sent back to XXXX XXXX then admitted they owed where an overpayment of XXXX had been made to the account. I have called everyday and been told that I would receive a refund in the mail in 21-45 days although they have had the overpayment since XXXX-18. This has adversely affected my bank account and caused me to  lose a great deal of money in fees. I have the names of all of the individuals I have spoke with at Santnader and I have only one statement that has been sent to me in the duration of a in excess of a four year loan. All of my payments have been made and received before they were due. The statement urges all of their customers to use XXXX XXXX therefore Santander must have a strong working relationship with XXXX XXXX.