WillisBack/dataset-financial-user-claim huggingface dataset:
AAFES, XXXX XXXXr Credit Card was issued to me. After I used the card and paid much of the debt, I had used the card again and was in good standing for 2 years with the company. 
My husband and I separated in 2016. I fell behind in payments and the debt went to collections. They harrass me and threatened to garnish my wages. 
I am now going through a divorce and I am unemployed. I have NOTHING! 
AAFES, and their collection agency ( TOPS ) make threats and say they will take my Federal Income Tax Return.

The debt is {$4000.00} with over {$1500.00} in interest! 
They are crooks!
This company keeps sending me correspondence advising me of a debt they claim I owe. The letter did not include name of original creditor or any identify data. I believe I do not owe this company anything. I want them to stop. 
The letter with no information on a debt may be out of compliance with FDCPA.
This morning I attempted to access my money market account to authorize a transfer for a future date. My money market is with " XXXX '' - formerly XXXX XXXX formerly XXXX XXXX XXXX My regular log in no longer works, I requested a new pincode to be sent to my email. After 10 minutes I called the number to get a reset. I spoke with a representative on a recorded line who instructed me to clean my cookies- this did n't work. I was then instructed to change my browser- this did n't work either. The representative told me that since this was the first week, there were a few bugs in the system as they launched the XXXX brand. 

I spoke with a supervisor, who apologized, but could n't resolve the issue. He said I could make transfer with telephone banking. This is not acceptable. 

I checked my email a few moments ago and received a pincode sent at XXXX this pincode expired within 15 minutes. 

This bank is making it impossible to access my funds. They should not be allowed to launch an inoperable system. 

I do n't have high expectations for Goldman Sachs and their shoddy and shady XXXX XXXX practices -- their inability to change a system that worked fine to " rebrand '' and thereby making it challenging for consumer to access funds, goes beyond the pail.
Equifax keeps verifying and verifying and verifying on a derogatory remark that I DO NOT OWE.. XXXX and XXXX already removed it but it keeps coming back verified with no signature or legal documents on Equifax. Ive sent them 3 letters asking them for verification purposes biding my signature XXXX, XXXX and XXXX/XXXX/XXXX. All they say is verified without any legal documents or no proof. Its gotten to the point where its affecting my daily life because an apartment complex is reporting is me to a credit bureau on a lease Ive never signed. Also my very last letter I sent on XXXX/XXXX/XXXX they never contacted me back in writing. Theres also 1 more item on my report thats theyre giving me problems with thats unverifiable. The amount of both deragtory marks are {$2700.00} - for the apartment lease I never signed and {$150.00} that I have no clue about.
Wells Fargo runs their escrow analysis in XX/XX/XXXX and refunds you any overage in your escrow account. Your payment for the insurance and taxed are due in XX/XX/XXXX and therefore the escrow account will be low, which in turn causes a shortage and thus not only do you have to pay the escrow shortage, the mortgage also increases. The explanation seems beyond reason that the consumer must continue to have and increase in their mortgage when it show only be the shortage from the escrow account that needs to be addressed.
Portfolio Recovery Asso, LLC. is attempting falsely to collect a debt already discharged via bankrupts.
Citywide Home Loans is giving box seats at he XXXX XXXX to realtors as a gift for referrals. This is a violation of RESPA and not fair to the rest of us who are playing by the rules.
XXXX Home Loans Manager Vice President NMLS ID : XXXX XXXX XXXX, WA XXXX Direct XXXX Fax XXXX XXXX Dear XXXX : RE : loan no : XXXX At the end of year XX/XX/XXXX, I misled to refinance when I inquired home equity of my condo and paid appraisal fee and XXXX did not disclose a hidden fee of condo questionnaire fee at XXXX branch and I kept getting statements from BOA about closing fee about {$4000.00} more than {$1100.00} XXXX promised on day one and I was really disappointed to cancel the loan. I complained to you on the phone and you understood that and told me you did not have power to make a decision. Would you please direct me to the decision maker? After that, when ever I followed up by email or phone, you never responded. I am disappointed because I should not be responsible for appraisal fee at all when I clearly requested home equity without any cost and the hidden fee of condo questionnaire, {$330.00} was not disclosed clearly. It is obviously against TILA and CPA. 
To resolve the problem, I would appreciate your effort. 
I look forward to your reply and a resolution to my problem and will wait until XX/XX/XXXX before seeking help from a consumer protection agency or the XXXX or from XXXX, XXXX consumer reporter or filing a claim to XXXX county bar association 's consumer division. Please contact me at the above address or by phone at XXXX. 
Sincerely, XXXX
On    XXXX   XXXX     2017 I   d eposited a check from  XXXX   XXXX     in5o my account in wells fargo bank they released  XXXX  and told me they wont release the rest for 13 days in what!   XXXX   XXXX   XXXX    bank holds a check for  12    XXXX   XXXX   XXXX   days when the bank is in the same state and because of that holds which was their to get me out of debt they continued to charge me overdraft fees that just made me spiral downwards. I want answers I want to know how your protecting my money as a consumer. I want answers NOW!!!!!    XXXX   XXXX
I'm submitting this in hoping to get Navy Federal Credit Union to remove a 30 day missed payment from my credit reports from XXXX of 2017. My husband was in the process of changing assignments and our pay was messed up. In addition there were fraudulent charges on my credit card account that I recently found out about and were able to dispute and win. I was credited over {$600.00} because of it. This affected my balance at the time and my ability to pay my bill.
XXXX XXXX medical bill was {$55.00} dollars XXXX XXXX XXXX. is the company is charging extra {$240.00} in interest making a total off {$300.00} I have never sign any contract with the original company ( XXXX XXXX ) this company is treating me to damage my credit score if I don't pay the bill I have contacted the company to pay my bill but they are charging all they want not giving me the option. to paid the original balance. 

XXXX XXXX XXXX
XXXX XXXX, Account Number XXXX in the amount of {$1300.00} for XXXX XXXX XXXX XXXX has been deleted from my credit report and now reappeared. I was never given the 5 day notice for the items to come back on my credit report that is required by the FCRA. I was never even contacted by XXXX XXXX so how can they verify the debt with the credit bureaus and not me?
I made my last payment to Carmax on XX/XX/XXXX. 
On XX/XX/XXXX, I refinanced my Loan through XXXX. A week later I called Carmax to confirm they had recieved the payoff check, They stated that they revieved the check. That is just hadnt cleared yet. The following week ... I went to co-sign for a truck for my son. I learned that they ( Carmax ) still had not cleared the check. So I called them. The same day I recieved a bill in the mail for my next payment. They stated that the check was declinded from XXXX because it was XXXX Short.Carmax never once called me to communicate this issue, even after I called to confirm they recieved the check. At this point I had already made a payment in the new loan with XXXX. In short.. XXXX had to refinance the vehicle AGAIN. Resulting in another inquiry on my report from XXXX. XXXX XXXX was apologetic. I was furious, because I did not want it reported to my credit. Carmax stated as long as they recieved the check within 10 days, they would not report it, XXXX overnighted the check, I recieved it the next day and then I overnighted it to Carmax. They recieved the check within 5 days from the conversation. I called to confirm they had received it. They in fact had, it was in processing. It was paid off by XX/XX/XXXX ( Shoulve been sooner ). Not only did they decline the check over XXXX ... After the payoff, I over paid XXXX ( Thats 2 whole car payments ). This delinquent payment needs to be removed from my credit. Due to the poor customer service and neglect of my documents from XXXX XXXX.
Early this year I noticed a capital one card opened up on my report that I never possessed. The card was maxed out immediately and has remained on my credit for the past couple of months. This account appears to be frivolous due to the fact that I have never obtained an open line of credit with Capital One bank.
I am a residential mortgage broker in Illinois and have been licensed since XXXX.There has been an ongoing issue within my industry that has affected consumer unfairly and thus unfair to the market as it pertains to me. New construction builders have always offered significant financial incentive in the form of significant upgrades in order for buyers using their source of financing, mortgage bankers and other companies at much higher interest rates than what the free market can offer. In particular, and this not being an isolated incident, I have been working with a long time borrower since last fall in providing preapproval and financing information with the borrower/buyer where she absolutely was committed to me because of the service I 've provided her in the past as well as having the most competitive pricing on the market. We issued a preapproval but the builder wanted their own financing company to preapprove the buyer to ensure her qualifications without obligation to using their financing. This is n't all that unusual. I recently reached out to the borrower to see when ground breaking was to take place and was informed that she has decided to use the builder 's financing source in exchange for a free {$30000.00} basement that otherwise would not be available for " free ''. She had no choice. The borrower should have the option using whoever they 'd like and has the best overall price/value. This is NOT an unusual circumstance but the norm. I understand the CFPB has been looking into this practice which prompted me to file this complaint. I have emails to document all described above if asked.
Last year, I took out a loan of XXXX. I have paid XXXX installments of XXXX, but thereafter, they told me that I was not done paying because I needed pay interest and fees. I was not aware of this when I first agreed upon it. The representative said that I was only going to pay XXXX installments. I have emails to support my complaint of the amount I borrowed. After I told them not to take any more money through ACH payments, they still attempted to take money from my account without my authorization.
Servicing of my FHA mortgage with Chase was transferred to XXXX as of XXXX/XXXX/2016 effective XXXX/XXXX/2016. I received no letter from either party ( Chase or XXXX ) regarding this transfer. 
On XXXX, I received a final tax statement for my mortgage with Chase, and called them to see why I was receiving a final tax statement. They informed me my mortgage was transferred to XXXX and that I should contact them. I informed them that I received no letter/communication from Chase or XXXX ... they 're response was " well, the loan is with them, you need to call them ''. I called XXXX today, every bit of information the representative gave me was inaccurate and when I corrected her of the legal obligation to send a letter, she said " oh, ok. Yeah that sounds right ''. This nonchalant attitude is not only unprofessional, but it 's scary. 
I asked her to confirm that late charges would not be assessed because of the grace period and she cut me off and said " you 're late, so you have to pay fees ''. I reminded her that LEGALLY there is a 60 day grace period with transferred loans, her response was " oh, ok. Yeah that sounds right. Well, if that 's the law then you wo n't get fees. ". I 'm terrified that we will lose our home due to their inept and predatory practices. What are the options?
Address ' on credit report are wrong and need to be deleted XXXX XXXX NV XXXX XXXX XXXX NV XXXX Correct address ' XXXX OH XXXX XXXX XXXX, TX XXXX
Starting in XXXX, I began sending certified letters to Equifax this year in regards to unauthorized inquiries. I noticed that my mail box was flooded with denial letters for things I had no knowledge of and did not authorize. In my attempts to have the situation resolved, I have received a generic response that the inquiries are of factual record and will remain on file for 2 years. I do n't understand how this information is of factual record when I did not authorize them and are fraudulent. I was informed by a Equifax employee that I was affected by the breach and was told they would dispute the information. However, I received another letter that stated " contact the creditors ''. I am disappointed in Equifax as well as their customer service. This is XXXX company that truly can not be trusted.
Hello CFPB, I hope you can help me. 
After closing my case in XXXX, Case Number XXXX ( public information and can be looked up online in California Courts records ) XXXX XXXX XXXX   a collection company with the address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, sent me a letter informing me I still owe a balance of {$820.00} outside of the settled case. I do not owe this amount and I called them and they told me I need to pay this amount to satisfy their client which is XXXX XXXX. The specified amount I owed was paid off and the case is closed. Now they are also calling me constantly and I need your help to stop them. Thank you very much for your time.
In  XXXX   2017 I pulled  my credit report for all   XXXX   bureaus to find an  open   XXXX   XXXX   XXXX   ac count that was not mine on my credit report I sent a certified letter on  XXXX   XXXX ,    2017 ( s igned for o n  XX/XX/2017  ) to   the provided address on the report asking the company to please send me information that bearing this was indeed my account and to provide me with documentation that contained my signature and that the information they were reporting is being disputed. On  XXXX   XXXX ,    2017 the co mpany sent me a billing statement stating this was there proof. On  XXXX   XXXX ,    2017 after 3 1 days I did not receive anything bearing my signature so I rechecked my credit report to find the company had not placed the disclosure " notice of dispute '' on my account. I resent another certified letter on  XXXX   XXXX ,    2017 ( see att ached ) signed for on   XX/XX/2017  as king them to remove this from my report since they had not provided me sufficient evidence showing this account belongs to me nor did they place the notice of dispute on my account within 30 days of my original l etter therefor violating the Fair Credit Reporting Act and the Fair Debt Collection Practices.. It has be en almost 60 days and the notice still does not appear on my consumer report nor has the company responded to my lette r s to provide evid ence.
Someone has been stealing my identity since 1996 and until now I realized that it is the first time that I request my credit report. The date of birth is incorecta. several directions I have not lived, that person has bought a car with my name, travels to different countries, purchases in different stores. I need to know what is the proseso to solve this problem and sue this person for fraud.
The incident occurred on XX/XX/2018. 

I was contacted by what was believed to be an employer, but resulted in fraudulent activity ; the bank was aware of my concerns during this interaction with the supposed employer. The bank is refusing to repair damages done to my account despite the recorded calls, text messages, emails, and documents. 

Before depositing a check received from this employer I verified with the bank listed on the check that the funds were available and the check was not forged, they assured me the check was real and the funds were available. I also expressed concerns with this bank about their member possibly committing fraud. 
I deposited this check into my bank account and called my bank to express concerns that the check may be bad despite what I was told by the employer 's bank, and waited until the check cleared to make any further transactions- in or out of the account. 

Before continuing the financial requests of the employer I once again called the bank to confirm the check was posted and good, and to clarify that I would not experience a negative balance due to the check ; the bank ensured the check was posted and it was safe to make transactions. I went forth with the requests of the employer under the impression from my bank that no backlash would happen. 

The first wire transfer was returned due to an error on my part and then proceeded to make another wire transfer that was approved. I called my bank before and after both wire transfers to ensure the check was still in the clear, the wire transfers were posted, and there were no concerns that would be detrimental to my credit or financial situation. I was once again reassured that everything was safe. 

Two days after the wire transfers were completed I checked my bank account only to see that my account was severely negative. Upon calling my bank to inquire about the status I was informed the check was returned despite what I was previously told. 
I filed a claim through my bank for fraudulent activity and contacted the employer who apologized and promised to wire the funds back into my account. 
The fraud department denied the claim expressing that it was not fraud due to my authorizing the activity. I received a receipt for the wire transfer from the employer and verified with his bank that it was completed, however, the wire transfer was never received and my bank account has been locked due to the negative funds. 

Because the amount is high, the bank has locked all of my bank cards, prevented access to the site to view statements and other products being used such as car insurance and rental/property insurance.
We received a statement from Ocwen telling us our monthly mortgage payment is going up from {$2500.00} to {$2700.00}. No explanation or advanced warning was given to these changes in terms of our loan agreement. The statement just said 'further detail regarding the reason for this change will be included in a separate letter '. The statement date was XXXX/XXXX/15. We have never received a letter of explanation. 
This clearly breaches the terms of our contract with Ocwen not to mention no constructive notice given to use regarding the changes of said terms.
I sent a letter to Credit Service Company requesting that they validate NOT verify a debt that they are attempting to collect from me in the amount of {$130.00}. I specifically asked for a signed and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
I noticed a drop in my Equifax credit score. I investigated at XXXX and learned that XXXX made a hard inquiry on XXXX of this year ( 2017 ). I authorized service about a year ago with XXXX but never since. I disputed the hard inquiry with Equifax and they sent me an e-message saying the investigation was complete on XX/XX/XXXX. The inquiry was said to in line with the Fair Credit Reporting Act. Well, I knew I did n't authorize this inquiry so when I found time I tried to appeal. I can not access the investigation report because of an " Internal Server Error '' so I called them and looked for an appeal. I want to know what type of investigation Equifax does when consumers dispute something. If they just asked XXXX if the inquiry is authorized and they simply reply that is, why should anyone waste their precious time?! Nobody on the phone could do anything but read scripts. I ca n't see how any legitimate attempt was done to honor my dispute.
I had purchased a car from XXXX XXXX in XXXX XXXXXXXX in XX/XX/XXXX. While purchasing the car I had given them a checking account number from XXXXXXXX XXXX that I no longer use by mistake and they proceeded to process the loan. 

The loan holder was Credit Acceptance Co ( Account number XXXX ) In XX/XX/XXXX the car was repossessed without my knowledge that I had missed any payments. I was not informed payments were being missed. The first notice I had received was dated XX/XX/XXXX, showing a late payment {$490.00} ( attached ) then another late notice sated XX/XX/XXXX, that showed that I owed {$12000.00} in late payments and fees ( see attached ) On XX/XX/XXXX, I recovered the car through Credit Acceptance Co by paying the past due amount {$750.00} ( one payment past due plus repo fee, see attached ) and am now in possession of the car, with renegotiated loan terms, rolling the additional late payments back into the loan.

Now that the car is no longer a repossession, I have reached out toe Credit Acceptance on numerous occasions to see if they could remove the repossession from my credit report. They have refused to do so. 

I was in the process of buying a home and with the repo on my credit report, I am no longer able to obtain financing because of the repo being on my report. I assumed by paying what I owed and retaining ownership of the car the repo could and would be removed from my report.
1 : 12 CFR Part 1026.11 ( a ) ( 2 ) and ( 3 ) violation. Multiple requests have been made via 1- ( Customer Service Telephone call ) ; 2- ( Customer Service Telephone Number which gives this option ; 3-Certified, Notarized written request XXXX and XXXX sent to XXXX XXXX XXXX XXXX, KY XXXX and XXXX XXXX XXXX XXXX XXXX , SD XXXX received XX/XX/XXXX, and XX/XX/XXXX respectively. 12 CFR Part 1026.11 ( a ) ( 2 ) and ( 3 ) violation does not list any exceptions and specifically states : " 1026.11 Treatment of credit balances ; account termination. Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : Credit the amount of the credit balance to the consumer 's account ; Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; " I have complied with " within seven business days from receipt of a written request from the consumer '' and now am afraid of retaliation for asking for my due rights per this statute. Macy 's credit card customer service number has not really been any help with continued follow up requests : greater than 1 hour hold times ; no explanation is given except to write and ask for one ;  credit balance amount has multiple times been provided by customer service implying that this was an amount owed not a credit balance ; efforts to charge down the credit balances have been verbally granted multiple times but the card does not work even for small fast food meal purchase attempts. No calls have been received from Macy 's credit card except as a follow up on declined charges for identity verification and verification of attempted charge with the card still not working after the call. Additional payments to clear up supposed pending transactions have resulted in a larger credit balance and the pending transactions have dropped off because they were in fact not pending transactions but declined transaction.