WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX Mr Cooper, formerly Nationstar reported my name to XXXX XXXX as delinquent in my mortgage payments to the sum of {$2500.00}. This is unfounded and clearly a fraudulent attempt at having me pay to the company more than is due to them, {$900.00} on a monthly basis for the life of the loan. 

Somewhere in mid XXXX Nationstar bought my mortgage from XXXX XXXX XXXX. The agreement was to keep the terms fixed. I have not initiated any transaction and has been paying my property insurance and taxes without issues since releasing them from escrow with XXXX XXXX XXXX in XXXX. 

Nationstar immediately started writing to me regarding refinancing the loan, something I had no plans to do as the payment amount works perfectly for my budget. At one point I attempted to make contact with Nationstar regarding my husband 's death and change of information on the mortgage but was told by a Nationstar agent, " When you are ready to refinance we will have a conversation ''. The very reason it became difficult to contact them, as they were initially hostile. Nationstar, however, continued to make contact via mail regarding the urgency of refinancing. I finally returned one letter informing them of legal action if it continued. It stopped. 

The payment of {$900.00} has been the payment since the release from the original escrow in XX/XX/XXXXas stated prior. In XX/XX/XXXX, now Mr Cooper, Nationstar submitted to XXXX XXXX XXXX an increased amount for {$380.00} for a total of {$1200.00}, an unauthorized sum, for processing from my checking acct ( see attached ). The amount was paid to them as XXXX XXXX XXXX claimed it had no way of verifying if the amount was legitimate as they are only the processor of the fund, and I am opining here that this maybe the very reason Nationstar sought to pull this off. ( All matters regarding this issue were clarified by XXXX XXXX at XXXX XXXX XXXX on XX/XX/XXXX who made contact for that purpose, having been contacted by CFPB regarding a related complaint filed ). I have further asked XXXX to investigate the payment made on XX/XX/XXXX. 

In response to the XXXX contact, XXXX has refunded the money, {$1200.00} paid to Mr Cooper, as a part of how this process works for the bank, per the XXXX agent. This means that Mr Cooper would now be missing the payment for XXXX. However, on XX/XX/XXXX, I made an extra payment of {$900.00} to Mr Cooper. This extra payment was supposed to fit in for XXXX which I initially thought was dropped by XXXX but has since learned that was not the case ( see attached ).
In or around XX/XX/2016 i opened a credit card with XXXX XXXX i moved away from my home that same summer so i was still receiving mail to my old home however i made every payment by mail XXXX   claimed they never recieved it 6months later a representative called me and told me i had an outstanding balance and they never recieved a payment i told the rep although i am out of work i always made sure i sent my payments in so i made the payment right away with the representative through my checking account i asked the representative if these non payments were sent to the credit bureau Wich can damage my credit the rep stated she will have these late payments removed so it wont effect my credit because i made a payment upfront of XXXX $ and it was an honest mistake and miscommunication with XXXX XXXX and myself however here i am almost 2years later now suffering of bad credit because of 6late payments that has been reported to the credit bureaus by XXXX XXXX  and they refused to remove it even though all my payments are current and i am working on Paying them off and there representative said they will be removed i tried everything i can possibly do in my Powerss to have them removed i disputed it with all credit bureaus equifax XXXX XXXX you name it i hired XXXX XXXX i called XXXX XXXX a million times they told me no error was fount requested a supervisor 3times and they told me i will recieve a call in 24 to 48 hours all 3times never recieved not one call i requested a goodwill adjustment they refused i dont want to take legal action they suspended the account Wich is fine i dont care about that they can keep the suspension on the account but i need the late payments removed something has to get done this is unfair if anyone takes a look at my credit report i have 5credit cards not one late payment besides XXXX XXXX the worse bank by far anyone who just neglectfully not make payments should be punished in this way
On today X/XX/2016, I received a notice in my email from XXXX XXXX that a new account was added to my credit report. After login into my account I found out that the account was from a XXXX XXXX XXXX in the amount of {$120.00}. XXXX XXXX XXXX was notified by phone ( to number XXXX to XXXX XXXX and XXXX XXXX ) that they were in fact in violation of the FCRA, FDCPA for placing this alleged account on my credit report without prior notice in written as required under Federal and State Laws. I have no knowledge of this alleged account, never received and prior written notice before this alleged account was placed on my credit report and after it was placed on my credit reports. They are required under FCRA 1681-s2 ( b ) to verify any alleged account before reporting it to the CRA 's.
Collection company placed debt on credit report on XX/XX/18 that was not verified to be my debt. Notification of debt was never received. I do not owe this debt. 
SECURITY CREDIT SERVICES, XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX is the company for {$1700.00}.
On XX/XX/XXXX I decided that I no longer want to use Coinbase cryptocurrency wallet, so I closed/deleted an account ( with XXXX funds on it ). On XX/XX/XXXX I was trying to sent my Ethereum from 3rd party website to my currently used wallet, but I accidentaly sent it to a address associated with deleted Coinbase account. I imediately contacted Coinbase support via e-mail and also made a post on XXXX  ( XXXXXXXX XXXX XXXX ). From Coinbase support I got an irrelevant ( probably automated ) reply that all transactions all irreversible. I also got contacted from one of the Coinbase XXXX moderators via the support ticket. She told me that my transaction was found in system and I should recreate my account so they can assigin my transaction to it. So I did that, replied and from that point I'm only waiting. It will be more than month now and I still didn't recived any reponse from them. Also, few days ago, I opened another support ticket, where I asked if they could finally look onto my problem. I will attach copy of both e-mails in .pdf file.
I just spoke with your customer service who told me to refile this claim as it was determined you can assist me in my case. My fiance purchased a vehicle and this auto loan was financed through Santander Consumer USA in XXXX, TX at 21 % interest. In Massachusetts, it was confirmed by the Attorney General 's office that this is against state law and the usury department at the Attorney General 's office confirmed that the bank DID NOT register or seek approval in advance to write loans exceeding the state cap of 20 %. They are willing to put this in writing. We contacted Santander Consumer USA and they declined taking the vehicle back, voiding the loan and refunding what we have paid. According to state law, the loan is invalid and needs to be negated by a supreme court judge. The legal department had advised Santander Customer service to cease and desist collection practices as of XXXX/XXXX/16, but they could not tell us why. I have full authorization to speak on behalf of my fiance on the auto loan. We have been passed in circles from Attorney General 's office, Consumer Protection Agency, Usury Department of the Attorney General 's office, now to the Division of banks, which then passed us back to your office. Everyone is in agreement that this loan should be null and void, yet no one will assist us past that point. We have made numerous attempts to find an attorney on a contingency fee basis, but we have hit a dead end. We give them basic information, they claim they think they can help us then never return our calls. This bank just settled a lawsuit filed by the Massachusetts Attorney General for predatory lending practices ( charging higher than the state cap ) but since that case was settled, we are basically left scrambling to obtain assistance until they receive enough similar cases to proceed with a new case. We need to stop being referred in circles and actually obtain assistance. We were told by XXXX separate agencies that your bureau oversees Santander bank. The only documents we have are from the bank denying our request as mentioned above. The attorney general 's office is in the process of mailing the document stating they did not register with the AGO to write loans exceeding 20 %. Which is why our loan should be considered null and void.
I received a Netspend Premier Prepaid Card from filing my federal and state tax returns on XXXX XX/XX/XXXX. I only physically used the card a few times and added the card information on all of my online accounts as my default payment method, I primarily make purchases online and rarely use my card in stores due to my inability to leave my home very often. On XXXX XXXX at approximately midnight, I noticed the card was missing and immediately called the automated line and reported it stolen. They cut off the card and froze my entire account. Freezing the account not only prevented anyone from using the card but it prevented me from accessing my funds. I filed a police report the following morning and began assisting the investigating detective gather any information and evidence that I possibly could. The next afternoon the detective already had surveillance footage from several merchants and I then identified the subject as an acquaintance and gave them information on her known whereabouts. Charges were filed and an arrest warrant was secured. She is currently incarcerated awaiting court. I properly filed a dispute with the card company and even provided them with all of the detective 's contact information. On XXXX XXXX, I was told that the dispute had been resolved and I would not be getting any credit for any of the fraudulent transactions. I am appalled and confused. I worked very hard for the refund I received and someone stealing my card and stealing over {$1600.00} in funds has destroyed me. I have now lost my car, my job and was evicted from my home two days ago all as a result of this ordeal.
I called them to have some kind of settlement arranged. The representative told me if I payed {$100.00} down the amount would be reduced. I paid the money then recieved a bill and the amount was not reduced. So I did not make the payments. I started recieving phone calls. I asked to speak to superviser told her the situation she told me that her people would not make a deal like that I asked her to listen to the recording she told me no she didnt have to her people wouldnt make a deal like that. Then she offered if I paid the balance in full right then she would make the deal.I told her no. I recieved several calls after that then they turned it back over to the company the debt was created with is what I was told,
Have a DR using my name also a address in XXXX. I do n't know anything about these???
1. ) These accounts, opened in XX/XX/XXXXand XX/XX/XXXX, commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, a XX/XX/XXXX thruXX/XX/XXXXtimeframe.

2 ) The address provided to and reported by XXXX XXXX XXXX XXXX is one that XXXX XXXX  has never lived at, in a State in which he has never been a resident.

3 ) Further, based upon the published requirements for membership to this credit union, XXXX XXXX  would have been ineligible for legal membership or services due to : 1 ) The fact he was living abroad when these accounts were opened and utilized. ( Figure A ) 2 ) In conjunction with Item 1, XXXX XXXX status as an Iowa resident ( verified thru any and all identification documents which he has possessed that are valid and legal, would have made him legally ineligible for membership.

4 ) XXXX XXXX XXXX XXXX failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX County Iowa inXX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of XXXX XXXX XXXX XXXX  to comply with : 31 CFR, Part 1020, Rules for Banks, Subpart D 1020.410Records to be made and retained by banks and Opening Account Procedures.

The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692 It is because of these facts, and the documentation, provided which proves that these two accounts were in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line.
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX and TransUnion consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile.
Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns.
1. ) XXXX/XXXX XXXX, account number XXXX ; 2. ) XXXX/XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) Bankruptcy, case number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.
Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
I have a XXXX XXXX ( XXXX ) credit card that I have never used. I called the bank twice to close it but the bank has not yet closed the credit card. It is extremely difficult to reach a live person on the bank 's side.
On XX/XX/XXXX I was charged by XXXX XXXX for {$3000.00} The services to be rendered was to provide businesses that were actively looking for financing. Leads that were not valid had a return policy with no contract and claims of easy cancellation. The {$3000.00} was prepaying for leads not yet received. Very quickly I realized that the leads were fake and the company had a reputation for selling bad data and bad leads. I immediately sent emails and called the company to cancel our account and discontinue receiving leads. The company either didn't respond or continued to pass me to different departments or people that I needed to speak with. Ultimately as I continued to call the phone number for the company was disconnected and felt there was no other avenue to cancel other than through the credit card ( Chase XXXX ). I began my dispute with Chase. I had several calls back and forth with Chase going as far as three-way conferencing XXXX to show that the phone number was disconnected. They assured me this was a very simple matter and that it would be resolved quickly. On XX/XX/XXXX I received the first official written response from Chase that XXXX claimed that the charge was valid and that I had never canceled the service. The supporting document that Chase sent to me that I have copies of are completely illegible. On that letter that was dated XX/XX/XXXX they gave me a deadline to respond by XX/XX/XXXX which is obviously impossible as the date of the letter was after the deadline. I called Chase again and express my worry that the date of the letter and the date of the deadline didn't match up, and that the supporting documents that XXXX had provided was completely unreadable, and had no way of responding as I did not know what it was that was sent. I was told that they were handling it and not to worry about the mismatching dates. On XX/XX/XXXX I received a letter stating that they had completed research of the dispute and ruled in favor of XXXX. The provided documents did not have any logical response to the fact that I was not able to cancel as I was not able to reach anyone by email or phone through repeated attempts. I called Chase who told me that this was normal and that I simply needed to fax them a letter stating that I would like to reopen the dispute. I did so immediately. On XX/XX/XXXX I received a letter stating that because the original charge was too old they had closed the case and there was nothing I could do about it. I am not after repeated attempts with Chase to get further explanation on the timeline and mistakes contacting the CFPB to help with the issue.
I am a XXXX XXXX XXXX veteran who is a loyal customer of Navy Federal Credit Union. I served 10 years in the XXXX and while serving obtained a loan through Navy Federal Credit Union. While paying back the loan I became incapacitated and could no longer care for myself. I had to XXXX XXXX XXXX, and XXXX. My brother XXXX XXXX XXXX was taking care of my finances at the time and supposedly notified everybody of my XXXX and XXXX situation. Time went by and after XXXX, I am now able to care for myself. I love XXXX XXXX so I apply for a credit card through them and i'm denied saying that there was a loss. After calling and getting further details, an account that was supposed to be forgiven and/or repaid at a later date per conversations with my brother XXXX and a Navy Federal representative when I was able to settle my own affairs is what Navy Federal is holding against me. It isn't fair that I served my country and acquired injuries that left me unable to attend to things for quite some time and now it's being held over my head. Forgiveness or repayment should have been honored due to the situation. I feel so horrible and embarrassed because everything is always an act of good faith with me. I shouldn't be admonished for serving the military and being injured, I shouldn't be denied the luxury of applying openly for credit with my favorite bank, it isn't fair and it isn't right. I do not care if I have to pay it back or if it is forgiven like agreed upon, i'll do it because I intended to move all of my accounts that my brother opened back to Navy Federal. Please investigate this case as I shouldn't be treated this way for such a horrible reason. Let 's make this right.
American Honda Financial replied to the initial complaint with nothing but lies. The only thing that matches their records is my name my social security number and my date of birth. That 's the information that was stolen from my identity over 20 years ago and that 's been proven by the police and the courts. I defy American Honda Financial to give you any truthful documents to show the that car was bought at the address I 've been living in since XXXX or that it was bought by myself while I was out of the country from XXXX of XXXX until XXXX of XXXX. I would like them to show you with documents that they are nothing but liars and full of XXXX because they can not prove anything else except those items that were stolen from me over 20 years ago. The North Carolina Department of Motor Vehicles is aware that somebody obtain the license back in XXXX from online with my information and when I asked them to give me a new drivers license they said since it was done online they would not give me a new driver 's license number. The next year in XXXX on move to South Carolina and have lived here ever since. American Honda Financial comes back with a short response but nothing but lies because nothing they said can be proven by them outside of those XXXX items I 've already told you that were stolen from me. I want them to reply to each and every XXXX of these claims they do not have my correct work information they do not have my correct address that the car was bought with and they do not have personal information outside of mine that would have been used to identify the account. So I please request American Honda Financial to give you the documents they claim are real and I can show that none of the information they provide his true or real pertaining to me individually only through a stolen identity.
I had an auto loan with Wells Fargo Dealer Services - XXXX XXXX XXXX. During the course of the loan, WFDS added XXXX insurance to my loan, which increased my monthly payment. I kept making my monthly payment. It was showing I'm late, short, they repo my car! 
Not once but twice! The problem exists 2 fold : 1. Adding on a product which I did not sign up for thus making me delinquent. 
2. I make my payments at Well Fargo Bank, but they say they are not WFDS. They operate under Wells Fargo to the consumer, but in their eyes they are two different companies. That is fraud in it's self? 
I have been contacted by attorneys from PA. to jion a class action suit. But, I told them NO, I want to give WFDS an opportunity to settle it. 
WFDS sent me a letter in XX/XX/XXXX - we owe you {$1500.00}. A check will be awarded. 

I have NOT RECEIVED ANY CHECK AS OF XXXX XXXX, Can you help me? Also, under the TDPA don't I get triple damages and I'm a Senior citizen, they have ruined my credit. It's a mess.
XXXX attorney at law sent a threatening letter implying it 's law offices were part of a collection team, out to sue me for XXXX dollars. 

They are connected to Southern Credit Recovery, they " charged off '' my debt even though i had paid it, and never actually wrote it off.
I am getting many phone calls attempting to collect a debt asking for a person that has a different name than mine. It is only the same first name. They tell me they will stop calling me and they continue to call. Now I am got a letter in the mail. The letter has a contact phone number and they do not answer the phone it goes to a voicemail. They are not returning my calls. I am not this person they accuse me of being!