WillisBack/dataset-financial-user-claim huggingface dataset:
I did not want this card. I tried to cancel/close it and cant get a hold of anyone at customer service. I have been on the phone several times for over 30 minutes each time and NO one answers the phone. as of this date I still have not reach anyone and will be sending a letter and HOPE that someone contacts me before any fees are accessed.
Firstbank-sest market closed my acct. over a deposit error I made by accidentally using the wrong check book. They say I owe them XXXX} but I only owe them XXXX}. I would like this off of my chex systems report, after I pay them the XXXX
Received written letter due to the receipt of a ONE day " late '' payment. I have scheduled bill pays of the debt owed and moved the XXXX payment XXXX XXXX XXXX to align with my pay day ( XXXX ) and received a letter dated XXXX XXXX. I find this to be very aggressive and unnecessary, when EVERY bill has a grace period. 
The main reason for arranging the bill pay was because of the horrible communication tactics with the representative and then the deceit of the amount owed submitted to the court. 
When I received the original communication in XXXX, it stated to contact the office before legal action was taken ; I did that and the debt collection agency still pursued court action ... it was until meditation that the court fees were waived and the verification of XXXX payments were presented. Of the XXXX payments, the first payment was n't noted on the account. Then after that, there were about XXXX XXXX XXXX XXXX versions of the agreement that had errors after errors, in which it was " expected/demanded '' for me to sign as if it was such an urgency ... 
At any rate, I ca n't wait until these next XXXX pre-scheduled payments have been received and I pray I never had to deal with this debt collection agency again in my entire life.
Ocwen Mtg raised monthly payment from XXXX as per XXXX/XXXX/15 statement to XXXX as per XXXX/XXXX/15 statement. This was because of escrow increases. I sent XXXX that they claim was escrow shortage. They acknowledge they received this on XXXX/XXXX/15. Now they claim my payment is XXXX on XXXX/XXXX/15. I sent the XXXX payment of XXXX that shows on my statement. They are now calling and telling me I am delinquent with my payment. They have not credited me the XXXX. I have talked with them on the phone and I have tried to explain to them but they can not seem to understand there is a problem as they do not have the correct amount for my payment. I speak to some one who does not speak very clear XXXX. It is hard to understand them and they do not seem to understand me either. I do not want this to look like I paid a late payment as I have perfect credit and do not want a mark against us.
All around XX/XX/XXXX hard inquiries XX/XX/XXXX popped up on my credit report that i did not arthories they tell me to call the creditor the creditor say theres nothing they can do and the credit burea say the same
on  XXXX    XXXX   Navy Federal Credit Union  withdrew  {$590.00} from my checking account unlawfully. These funds were protected funds from Social Security. at the time i only had 2 months of protected funds available in my account
Someone had pulled aunauthorized hard inquiry on XX/XX/2017 and I would like it to be removed and on the XXXX Credit report it shows the contact information is XXXX/XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX And I got a response from them saying that they don't see my record.. 
Please remove my aunthorized hard inquiry..
I opened a XXXX checking account in XXXX 2016 with an offer for XXXX XXXX XXXX XXXX miles. I called and spoke to a representative to give them my XXXX XXXX frequent flier number so that miles can be credited to the right account. The representative noted on the account. I again sent a secure message to a citi representative on XXXX XXXX, 2016 who confirmed that I had met the requirement and the miles would post after XXXX XXXX. Now they are saying that the miles may not post. I am attaching their email to this complaint.
I sent this complaint through occ.gov which they said they would forward to CFPB but I have n't heard anything as of XXXX XXXX, XXXX : Complaint filed with occ.gov XXXX XXXX, XXXX On Saturday, XXXX XXXX, XXXX I went into my accounts oline to balance my XXXX checkbook. I noticed an amount paid on one of my USAA credit Card from my USAA Checking Account. I had set up an automatic payment to be made of {$500.00} on the due date. However, they instead debited my checking account for {$310.00}, paid to the credit card. 

I sent an email through their website on Saturday at XXXX CDT. I received a response on XXXX XXXX, XXXX at XXXX CDT from XXXX XXXX , Member Relations Advisor. It was a generic response that said they would look into the issue : " Your email regarding your account payment was received by CEO Member Relations. We regret any frustration this situation caused you, and we assure you that making processes easy for members is a top priority for USAA. Our business specialist will review your account and will follow up with you directly within two business days. We appreciate the opportunity to address your concerns. '' 48 hours later, on XXXX XXXX, XXXX at XXXX I asked for a response. I included a letter to the CEO XXXX XXXX, relating some of the many problems I have been having with this bank, including this latest problem. Most of the problems are related to the online payment system not working or being inflexible on internal USAA payments to the point that I believe they are forcing members to only pay the minimum amount on their USAA credit cards. Other bank cards can be paid reasonable flexibly : i.e. before the due date, multiple times per month and amounts more than the minimums. 

I received a response on XXXX XXXX, XXXX at XXXX CDT. Also very generic : " Your letter addressed to XXXX XXXX was received by CEO Member Relations. Our business specialists will review the issues you raised, and we will follow up to ensure you receive a response. Please know we remain committed to providing excellent member service. '' I sent a response today, Friday, XXXX XXXX, XXXX at XXXX telling them that because I had not received a solution or answer from them in the time they stated, I would file a complaint with occ.gov. 

XXXX/XXXX/XXXX : Attached is a screenshot of one of many error messages I get everytime I try to do my banking.
From XXXX 2014 to XXXX 2014, XXXX XXXX kept charging {$52.00} to my credit card although I canceled their services since XXXX. I disputed the charges and XXXX of their supervisors called and told me all charges will be credited. They made XXXX charges and only credited XXXX. Their automated system turned the balance ( {$52.00} ) to a collection agency by the name of Allied Collection Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX who put the derogatory charge on my credit report. I was n't aware this derogatory info was on my credit report since last year as I have been applying for loans and was getting denied.
I have placed a fraud alert on my credit with all three credit bureaus. The thief who stole my wallet has continued to draw hard inquiries from XXXX XXXX on XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX   on XX/XX/XXXX XXXX/XXXX on XX/XX/XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX   XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX on XX/XX/XXXX My wallet was stolen on XX/XX/XXXX. I placed a fraud alert on all three credit agencies. I am concerned as to how these banks are still pulling my credit and approving applications under my name from this fraud. Can you please help me
on XX/XX/XXXX my mortgage was sold to Loancare, it has been a mess ever since. My home owners insurance was not getting paid out of my escrow I began getting notices from my insurance company starting XX/XX/XXXX, being nave I thought it would clear up and with all of the changes it would get paid within the allotted time, I got a second notice the following month so I took action and continued to call Loancare to force their hand in paying. After being lied to about the payment being overnighted I had to call over and over finally the payment was overnighted and received by my insurance on XX/XX/XXXX. They have over drawn on my escrow account because instead of paying my insurance when it was supposed to be paid, they paid my taxes in XX/XX/XXXX that were n't due until XX/XX/XXXX. 
I am currently battling with them to process my house payment that was due XX/XX/XXXX and I paid it through my bill pay on XX/XX/XXXX which was an electronic payment and slotted to get to the mortgage company by XX/XX/XXXX, my late fees will begin on XX/XX/XXXX. I called Loancare on XX/XX/XXXX and they told me they never got it, so I called my bank and they confirmed that the money was transferred to the correct place. My bank has sent over all of the information to Loancare and now I am waiting for this to get straightened out. Late fees are not an option when I paid on time and I can prove it with bank statements. 
Loancare is almost impossible to get through to, and when you finally get through they tend to hang up on you or blatantly lie to you.
I requested validation of a bankruptcy on my credit report reference number # XXXX, providing me with any viable evidence submitted by United States Bankruptcy Court to validate this bankruptcy. Experian failed to provide me with validation and only provided me with a letter stating that it remains on my credit report. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt or public record.
We have attempted to cancel our PMI several times and have followed all the requirements that Wells Fargo has instructed us. Our LTV Ratio was 79 % and XX/XX/2017 we requested that our PMI be removed because we had got below the 80 % mark and Wells Fargo required that we pay {$200.00} for a Broker 's Price Opinion ( BPO ).

We complied and Wells Fargo sent XXXX XXXX of XXXX XXXX XXXX in XXXX Texas. XXXX devalued our property just below the required minimum so that we would have to continue to pay PMI to Wells Fargo. Base on our appraisals and another BPO performed by another relater in XXXX, we believe that the agent acted in the benefit of Wells Fargo and that we have paid in more than required to cancel the PMI. We have also disputed the case using the guidelines at Wells Fargo providing evidence that out home is worth {$210000.00} and they denied the request. Please help us.
TransUnion ref XXXX enclosed are documents that state XXXX has no proof that I made or Used this account the only information they have is my name address and phone number in which they stated enclosed that was on the online contract { 1 } I was not living at that address I was living with my father at the time { 2 } they state that the phone number used { Wrong I did not have this number then, the only reason they have it is I contacted them about this account } { 3 } they have No contract with my signature on anything { AT ALL } { 4 } they state they send registered letters to my { I never get } them You transunion state validated when NO ONE Can get any information, XXXX, FTC, ATTY GEN, OCC,  CFPB, myself So I will be filing a Extorsion case against you and XXXX with the police dept and have it refered to the District Atttorny 'S office, I will also call the News Media to report this case, you can explain your position and XXXX to the court, o trust me Im filing this today Stall games with you and XXXX are very clear in your response to all the goverment agencies ALL DOCUMENTS WILL BE GIVEN IN THIS CASE. this is a fraud case in XX/XX/2014 filed in XX/XX/2014 as fraud. remove this account it is not mine or ever was.please dont send me or respond to the XXXX it's been done over and over, its your response ablity to report correctly and you have the documents that shows it can not be validated
I am unable to make the high payments. Over the past year every time I call Navient I am given different information, am told I am not eligible for programs, given different amounts and dyes due. Last time I call I was told I can not enter a program. I called again and entered the same program one month later. Navient then reported me 60 days late on my credit reports.
We have tried several phone numbers for Equifax and their website to attempt to place a security freeze on our accounts. Repeatedly knocked out of website and calls not going through, probably due to being overloaded.
XX/XX/18 : Opened a checking account via a webpage promoting a {$300.00} bonus for opening the account after a a {$2000.00} deposits within 60 days. 

XX/XX/18 : Deposited {$5000.00} into the account. 

XXXX Spoke with a representative via chat who stated I needed to wait longer for the bonus. After further inquiry the representative stated my account had no promotion attached to it. Stated she was unable to resolve this issue. Refused to close the account. Refused to escalated to a superior.
I had the original loan in XX/XX/XXXXwhen I was XXXX years old. The exact amount I am not sure, but I did pay for awhile and then it went into Forbearance due to hard financial issues. In XXXX I guess they consolidated and the balance was {$8100.00}. I have been paying {$94.00} with 6.125 % interest since then. As of today, I still owe {$7800.00} and will not be done with the loan until XXXX. I think the fees are extremely ridiculous! I know I am responsible for some back due interest, but I was told that the {$8100.00} was where I was starting in XX/XX/XXXXand so when I do the math, I have paid over {$13000.00}. I think they are adding fees. I am now XXXX years old and can not believe I still have student loans. 
The loan details I have at attached are with my maiden name. I am in the process of getting that changed. Thank you for your time. 
The school I went to was XXXX XXXX XXXX XXXX XXXX in XXXX Id. They are no longer around.
I have requested on XXXX occasions now that XXXX remove inaccurate information from my account regarding XXXX. XXXX has sent a letter confirming that it has requested the account to be deleted from my credit report however ; XXXX refuses to conduct a proper dispute. Letter is attached from XXXX.
In XXXX of this year XXXX Bank lowered my credit card available balance Based on information they had received from TransUnion. They gave me a very low credit score and I was never even made aware of the fact the XXXX XXXX who 's card is issued by the said mentioned bank had run a credit check on me. I never gave them authorization to do a credit report on me I have been with them for so long this had never happened. When I explained that the majority the information was incorrect the time. At that time I figured that the issue would correct itself with proper monitoring and for a while it did. Until again XXXX Bank ran a SECOND credit report for me on my XXXX XXXX XXXX in XXXX. The first XXXX was done in XXXX the second in XXXX. It was n't until I contacted XXXX and XXXX from the Consumer Affairs division told me what had happened. Low and behold TransUnion sent them the same information they had sent previously to this bank. Same generic letter issued and same reasons. Nowhere in that report does it have the installment loans I pay for each with through payroll deduction. XXXX is in denial as to what has happened until I contacted XXXX again today and informed her of this problem. 

She was supposedly contacting XXXX Bank and informing them of the situation. At no time did I give them authorization to run BACK TO BACK CREDIT REPORTS!!!! This is clearly a big issue why if you had run XXXX previously and you were informed of discrepancies would you run another XXXX a month later from the same bank..This lowers my credit as well as XXXX scores. Which according to several of my credit cards which are monitored by TransUnion ALL HAVE DIFFERENT SCORES. 

There is also a XXXX point discrepancy according to the current report issued and on XXXX XXXX by TransUnion to my creditors. I believe that both XXXX Bank and TransUnion should be held accountable and liable for these erroneous mistakes. Playing with someones credit is beyond comprehension. I am asking for a resolution to this matter if at all possible. If this can happen to me how many others out there are going through the same thing.
On XXXX/XXXX/2017 I check my credit report to see that Apex Assest Management listed a collection on my credit report without making aware of the debit in writing.
XXXX XXXX, A Division of First Tennessee Bank NA has purchased insurance for my house and has sent me a bill for the insurance. I have had continuous insurance coverage for this house and I have provided proof of insurance repeatedly. The Bank does not provide an email address to track and resolve the problem. This problem has been going on for months. I have contacted my local insurance agent who has contacted my insurance carrier and confirmed that the Bank is listed properly on my policy as mortgagee and on the Certificate of Insurance and notice has been mailed as requested.
re ; Moss Law Firm , P.C .     XXXX   XXXX   XXXX   XXXX   XXXX   (  XXXX  )  XXXX , Texas  XXXX .   letter unsigned.     My original debt was with a " business '' credit card issued by   XXXX   XXXX   XXXX  , later merged into "   XXXX   (   XXXX   XXXX  ),  XXXX   who later merged into   XXXX   XXXX  ..     Allen Adkins & Assoc  . (   XXXX   XXXX   XXXX  , evidently now " Moss Law Firm , P.C . ) filed a judgement against me for an original   XXXX   XXXX   XXXX   credit card balance of approx. {$12000.00} from   XX/XX/XXXX   whe n my business    "   XXXX   XXXX   '' closed, I was a personal co-signer for the mastercard. After fees & penalties & 22 % interest over years they ballooned a new debt into {$31000.00} and offered a settlement of {$9700.00} or " make offer '' letter to my attorney   XXXX   XXXX  ,  XXXX   XXXX , after he spoke with them. I accepted and " In The   XXXX    Judicial District C  ourt of    XXXX  County  Texas '' obtained a Non-Execution Agreement No.  XXXX , dated   XXXX  , which was paid in  XXXX  installments ending   XX/XX/XXXX   with check #  XXXX  and closed due to  XXXX   XXXX  debt relief and a  XXXX  tax credit for approx. {$10000.00} filed with my  XXXX  personal tax returns.   Moss Law Firm , P.C . has now sent me a new letter dated  XX/XX/XXXX  attempting to re-open  (? ) a nd threatening legal action for   XXXX   XXXX  .   This debt has been paid and closed.
I made a money transfer for a vacation home rental in XXXX, NC. This ended up being a scam. I transferred money from my bank to the scammer 's bank in XXXX  and used Western Union. The scammer was not able to collect the money he thought he would get because I closed the account as soon as I found out by the actual home owner that I was scammed and they had never heard of me. Western Union charged me {$140.00} for the transaction onXX/XX/XXXX. I called Western Union and they say they have no record of me, even though when I did the transaction they gave me a receipt with the MTCN tracking number XXXX XXXX XXXX, a case number XXXX and a customer number XXXX XXXX XXXX. I would like the fee returned.

The scammer information I have is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Bank is XXXX and I have a bank code XXXX  and mobile number of XXXX  which must be bogus also. I just get a busy signal when I try to call.

So Western Union has somehow also scammed me. I have my bank statement showing a charge from Western Union the day (XX/XX/XXXX ) did the transaction through them.
I have a automobile with mid Atlantic finance in XXXX Florida, I sent them a Cease and desist for harassing collection calls on XX/XX/XXXX. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX the company proceeded to call me again. on XX/XX/XXXX at XXXX XXXX and pretended to be the legal team and said that he was going to take me to court and garnish my wages for my car loan. He said that I told the previous representative that I was voluntarily giving up the car, I stated I never said that what I said was I will pay the account current in a few days he said he did n't want money and the representative started to yell and I disconnected the call, the gentleman call back two times after that which then becomes harassing. I contact the corporate office and spoke to someone in the legal office by the name of XXXX. Said that my cease and the cyst was not valid and I have no right to tell them not to call me. I advise that my cease and the cyst has been on file for the last four years and calling me it is against the collection that and I will make a complaint.
My husband and I are in the process of divorcing. Our children and I remain in the home that he and I have a mortgage on through Nationstar Mortgage. Due to the debt to value ratio being severely upside down my husband 's lawyer advised him to file bankruptcy on the home. He refused to speak with the mortgage company. They called me and I informed them of our current situation. I asked them if there were any options available for me to be able to take over the payments and full ownership of the home. They provided me with a few options and informed me that because my husband had stopped paying the mortgage for the past 2 months that if I wanted to have any chance of saving the home I had to make up those payments as well as make the current payments. I let them know that as a stay at home mom who was just starting back into the work force I was n't positive that I would be able to do that. The representative told me it was the only way and that I would have to make XXXX {$750.00} payments for the next two months or the phone calls would n't stop. I told him I was n't comfortable making the commitment at that time on the phone but would think about it and get back to him. He continued to pressure me into setting up the payments before I got off the phone. I refused XXXX more times and his pressure continued and so to get off the phone with him I agreed with the intent to call back and cancel the payments. I called back before the first payment was due at the end of XXXX and said I could not afford the payments and asked for them to be cancelled. The XXXX payment was not processed. To my surprise on XXXX XXXX a payment for {$780.00} was processed in my checking account. I immediately called the mortgage company and informed them that the payment should not be occurring and that they needed to stop it because I had requested it to be cancelled and I did n't have the funds in my account. They said they could n't because it had already processed. I called the branch of my XXXX account and asked them to stop it and they said they could n't either. I 've spent a great deal of my time on the phone with the mortgage company requesting that the payment be returned. XXXX representative promised that it would be, another told me it would n't because I was behind on the payments and another disconnected my call when I asked to speak with their supervisor. The original agreed amount was to be for XXXX {$750.00} payments, XXXX the end of XXXX and the XXXX the end of XXXX. The payment the end of XXXX exceeded the agreed amount by {$30.00}. I am displeased with the dishonesty and manner in which this has been handled and I would simply like the money returned to me. The money that has been used to cover the payment now is the child support payments that are made and the account is still overdrawn by {$220.00}.