WillisBack/dataset-financial-user-claim huggingface dataset:
XXXXXXXX XXXX failed in the electronic funds transfer that has been in place for over 24 months at the time of origination. I had made Principle only payment on XX/XX/XXXX and again on XX/XX/XXXX. The customer service representative did something wrong and my EFTs stopped. I was unaware of the problem until I received a Late payment notice. 
Monthly Payments - {$500.00} I called and spoke to XXXX XXXX in Loan servicing about the problem., and he assured me that the problem was corrected. 

In XX/XX/XXXX I received another Late payment for being late for two months.

I again called and spent 2 hours trying to resolve my issue. 
After trying to reestablish my EFT, it was determined that my account was frozen and the only way to become current was to send in via a check payment. 
The stated reason was that XXXX IT systems were not sync and an upgrade caused the EFT to stop. 
The resolution that XXXX XXXX am I worked out was to pay off the entire loan. 
The Loan was paid off via an EFT - XXXX. 

The title has been received. 


When I paid off the loan XXXX XXXX again assured me that my credit would not be impacted. 
I check my XX/XX/XXXX Credit score and it was XXXX. The Credit Score in XX/XX/XXXX is now XXXX. 

I have an escalation pending with XXXX XXXX I opened the escalation on XX/XX/XXXX. 
XXXX XXXX XXXX, VP is the representative XXXX XX/XX/24 Called XXXX - XXXX XXXX about the credit report. 
He could not open my escalation file. 
Had me call XXXX the main XXXX XXXX number Been on hold for 20 minutes while going through VRI system to get to Escalation department. 

Spoke to XXXX XXXX XXXX - she was out for XXXX from XX/XX/XXXX to XX/XX/XXXX. 
She said a letter was send stating my credit was negatively impacted. I did not get the letter through USPS. 
Requested that the letter be emailed to me. 
Requested the name of her boss for further escalation - XXXX XXXX - XXXX
After reviewing my credit report I noticed a collection account from Portfolio Recovery Associates whom I have never heard of nor have I done business with. I disputed the account to the credit bureaus and to PRA. They mailed me copies of two statements from XXXX XXXX. ( I am attaching everything they mailed to me. ) They did not include anything showing they can legally collect money from me on behalf of XXXX XXXX. I feel like they should have to prove to me they are the proper ones to pay. If I were to pay it I would want to know absolutely sure that I was paying the correct party. I fear this could be a fraudulent claim to squeeze money from me that is not really owed to them. What if I pay them and then XXXX comes back later and said I should have paid them? I don't have the money to pay this thing twice. Honestly, I am not even completely convinced the account is even mine. I don't want any trouble. I just want them to get their act together.
Portfolio Recovery is ILLEGALLY trying to collect for a debt not owed. This company purchased a debt that no longer exists. There are two accounts, one from XXXX XXXX and one from XXXX. These account DO NOT belong to me. I have contacted my attorney in referance to the letters I have been sent stating I owe money on accounts are not even mine. This company is fraudulent and just buys false debt. This company not only is harassing me with bogus letters of a debt I do not owe but the illegal put collections accounts onto my credit bureau. My attorney is investigating those and will proceed with legal action if necessary. Remove the collections from my credit bureau IMMEDIATELY.
My identity was stolen while I was in the XXXX hospital, I was on a thirty day hold from XX/XX/XXXX untill XX/XX/XXXX. The hospital lost or stole my credit cards, XXXX XXXX watch, and glasses and sited me for trespass because I refused to leave without my property that day. Opon gaining access to my Capital One account finally I noticed XXXX in charges that were fraud on my credit card that were fraud that had taken place during my XXXX. I filed a claim with Capital One and submitted all documentation to prove that I was in the hospital and was clearly not responsible for the thefts.Capital One closed out the stolen card ending in XXXX and claimed to credit my account for the fraudulent charges but refused to allow me to access my funds even to this day. I also received outside reimbursements credits of XXXX from XXXX for previous purchases settlements that have nothing to do with this situation and Capital One refused to allow me access to any of those funds as well. Capital One refused to reimburse and reverse any damages or reimbursement totally to my account from every company that Ive done business with treating me as the criminal instead of the victim in this awful situation. The XXXX refunds have nothing to do with this investigation and this is against the law. Its been 30 days and I dont know what else to do. I want my money back. I have the telephone recordings to show their insubordination. All funds in my Capital One credit card account was transferred directly from my bank account so that I could use their credit card to improve my credit worthiness, this account is a secured credit card and they have no right not to protect me as a cardholder and consumer from accessing my person money from my XXXX account, they were Not letting me use their credit, this is my money in jeopardy.
I am unable to access my credit report because the information I have entered to receive my credit report does not match the information that the credit bureau has for my reported information. I know for sure that my information is correct because I have only ever had one address, and I have my social security card and driver 's license in front of me. I have no debt, assets, have never taken out a loan and have never gained credit, but I am getting calls from multiple debt collection agencies and I am worried I have been the victim of fraud or identity theft, but am unable to affirm or deny my fear because I can not access my credit report.
My issue or concerns are with XXXX and Experian I have disputed information from both credit bureaus. I have followed the correct protocol for filing a dispute. I have written letter and filed online corespondents. And ultimately my results are still the same. In my letters I have asked that they provide me with physical documentation with my signature according to the FAIR TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for reporting services could fax, mail or email in a account. XXXX has removed the bankruptcy chapter XXXX dismissed from my account serval times and then put it back after the 30 days investigation which makes my credit score plumbed. They are receiving this information from a third party call XXXX XXXX Consumer. Every time the bankruptcy is removed and put back on my credit reports it looks like a new trade line and makes my credit score plumbed. The other disputes I have with both XXXX and Experian are with ( XXXX XXXX XXXXXXXX for {$740.00} AND XXXX XXXXXXXX XXXX for XXXX both are showing up as charge off on my credit files. I HAVE NOT RECEIVED PHYSICAL VERIFICATIONS OF THE ORIGINAL SIGNED CONTRACTS FROM ANY OF MY DISPUTES. Therefore they should be permanently removed from both my Experian and XXXX credit reports. I have been disputing this information since 2017.
Unfortunately, I had a financial crisis in XX/XX/2016 which led to a vehicle repossession. Since that time, the finance company has continued to report that my loan is active and past due, despite the fact that they repossessed the vehicle nearly two years ago. Despite the fact that the account is closed, and no payments have been made since XX/XX/2016, this finance company continues to report the account as active and past due.
The debt collection company Harris and Harris out of Illinois was given a medical account from XXXX  XXXX XXXX XXXX in attempt to collection that debt from me. The total amount due was {$710.00}. On XX/XX/XXXX I contact Harris and Harris negotiated a settlement of this debt at a 20 % discount if I paid it over the phone with them immediately. Which I agreed to, gave them my credit card information and paid the negotiated amount of {$570.00} and was told that account with them was settled and would be closed out. 

Since the XX/XX/XXXX date I've received 3 different invoices from Harris and Harris stating my outstanding balance with them is {$140.00} ( the 20 %  discount amount ). I've called them numerous times about the outstanding balance being inaccurate, each time they confirm that the account is settled but was " not properly closed out ''. That is why I am still getting invoices. I also continue to ask about credit reporting and they said No,  this account is settled so it would not be reported. 

Fast forward now to today XX/XX/XXXX, I received an alert on my credit report stating that my first debt collection account has appeared from Harris and Harris on my report showing outstanding balance of the {$140.00}. I again called Harris and Harris today and the assure me the account has been settled as of XX/XX/2018 but wasn't properly closed out. The same message they've been giving me since it was paid. 

I am at my wits end because I am still getting invoiced, now it is on my credit report ( which I am disputing ) but I can not get Harris and Harris to  properly handle this matter and close out my account. I've attached the invoice details, and a copy of the line item from my credit card statement showing payment on XX/XX/18. 

Details on Harris and Harris Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone : ( XXXX ) XXXX
On XX/XX/XXXX we initiated 3 separate wire transfers to an account at Suntrust bank in the amounts of {$12000.00} {$16000.00} and {$20000.00}. The wire transfers listed XXXX XXXX XXXX as the beneficiary ( XXXX offices only exist in 2 states and Suntrust does not have branches in either one ) and the listed beneficiary did not match the account holders name. The money was intended to be for closing costs on a real estate transaction. One transfer completed on the XXXX and the other two completed on the morning of the XXXX. On the XXXX when we realized this was part of a wire fraud scheme our local sheriff department immediately reached out to the known contact he had at Suntrust ( he had the exact same situation occur a few weeks prior ). He was told at that time that all of the money was still in the account and a freeze was placed on the account. On Monday the XXXX we met with him and he called to verify that funds were still in the account but over the weekend they released almost XXXX of the XXXX that was sent. 

I called independently to ask what their policy was when a wire transfer was received that had a beneficiary that did not match the account holder and was informed their policy was to reject the transfer ( standard banking practice ). This clearly did not occur for the 3 separate transfers and all 3 were accepted. It is also worth mentioning that the account was newly established and with only {$100.00}. 

This event stems from someone emailing and pretending to be our closing agent. They actually provided me two separate Suntrust account numbers during the whole ordeal. I have since emailed that person and was provided with a third Suntrust account number. Including the first victim that is four total Suntrust account numbers. Clearly Suntrust has an issue and do not follow their own protocols that would protect themselves and their customers from being victims of these schemes. 

We have been told since XX/XX/XXXX that we would be receiving just under {$29000.00} back and that a check had been issued and would arrive by XX/XX/XXXX. The check has not been received.
I paid my XXXX 'XXXX account in full, however, XXXX 'XXXX   reported that I paid in settlement. I contacted to XXXX 'XXXX who then sent me a paid in full letter. Yet, the 3 credit reporting agencies will not update this information on my account. I have included both paid in full letters to this complaint.
I lost my job in 2012. I was denied unemployment and was unable to pay bills. I was able to borrow money for a time to pay my mortgage. As a result I got behind on my payments. When I could make a payment the mortgage company would not accept it as it did not cover the entire amount owed. However, they cashed the checks and retained the money but did not apply it to my account. I applied to the State of Michigan for help and when I was approved they contacted the mortgage company for amount owed and paid them. I was told by my rep from the mortgage company I would receive the cashed funds back as I was now caught up. I never received the funds and when I inquired with the mortgage company 's research department, as I was advised too, I was told the funds were used for additional cost. There should not have been any additional cost as the State of Michigan paid them.
In XX/XX/XXXX I closed my XXXX account where my XXXX loan payments were drafted automatically every month without any delay. At that time, I setup through ECSI 's website an automatic payment to be drafted from my XXXX account starting on XX/XX/XXXX even increasing my minimum payment of {$59.00} to {$81.00}. I noticed that my account was drafted on XXXX and assumed that I had setup correctly the automatic payments. On XXXX XXXX I received a call from XXXX ( XXXX XXXX ) stating that the XXXX payment has not been received and I was due XXXX, XXXX and a fee of {$30.00}. Immediately, I called XXXX and spoke with a representative by the name of XXXX and explained him that I tried to setup through their website the automatic payments, and please go ahead to take my new XXXX account information where the monthly dues were to be drafted. He advised it had been done and starting XX/XX/XXXX at that time I went ahead and made a payment through the website for {$150.00} which represented XXXX, XXXX and the late fee. In XXXX XXXX I called again because I received another call and when I called back I spoke with XXXX. She advised that the XXXX payment was still missing and that I owed XXXX ( again ), XXXX ( in XXXX ) and another {$30.00} fee totaling {$210.00}. At that moment I requested automatic payments to stop thinking that XXXX had declined the transaction. I went ahead and called XXXX to ask for an explanation where they told me they had not received any request to debit my account from XXXX or XXXX. Then I called back to ECSI and was advised that they tried again to collect in XXXX from XXXX and could n't collected the payment ( even when I had specifically asked for that account to be removed from the system ) and that the payment I submitted of {$150.00} did n't cover the XXXX payment because it was applied to interests and I was due XXXX, XXXX and a fee of {$35.00}. Note that I have not been late since I started with this loan. I see this as a very unfair practice from this lender and I recommend the CFPB to look into this as they are collecting fees unfairly from their borrowers due to a mistake in the way their system is configured and poorly trained representatives. Such fee I have been advised twice that is not possible to be removed. I am supposed still to receive a call from a supervisor in XXXX business hours. I appreciate your time.
XXXX and NCB MANAGEMENT SERVICES, INCXXXX Are in violation of my rights as set forth by hippa and cra. They say I have an account with them, but I never opened an account with them. When I used this site to let them know that it is ID theft. Neither company removed the items from my credit report. XXXX says they no longer own the account so they ca n't remove it, and NCB says it is my account, and refuses to remove it. It is not my account. These items need to be removed immediately.
Dynamic Recovery says I owe XXXX XXXX XXXX Hospital {$760.00} dollar for a medical bill. I called XXXX the Collections agaent at XXXX XXXX XXXX Hospital and I do not owe them any money, and she stated they have never used Dynamic Recovery to collect a past owed debt. Further research online on the XXXX website flags them as a fraud company.
A XXXX XXXX Charge is showing up on my Credit Card. They were not authorized to put any charges on my Credit Card. I did go on their website looking at flights and cancelled the transaction and did not purchase anything. For some reason, they took the information input and charged my account. I called them within 24 hours to ask why they charged me and they would not return the funds even thought they were not authorized to charge the account.
receiving numerous debt collection letters from LVNV XXXX XXXX XXXX XXXX XXXX XXXX I do not owe them money, they claim they purchase debt from XXXX but will not provide debt validation letter. 
I do not want a copy of contract with XXXX. I owed XXXX but not LVNV I need transfer or assignment of transfer to LVNV. 
they have violated the FDCPA Act please review the attached letter and documents
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Complaint Department Dear Sir or Madam : I am writing to dispute the following information in my file. SOC SEC number XXXX ODB XX/XX/XXXX A report by TELERECOVERY Date Opened XX/XX/XXXX Status Collection account. {$410.00} past due as of XX/XX/XXXX. Balance {$410.00} One other account by TELERECOVERY Two Accounts by XXXX  XXXX XXXX  Theses item as matters are as collectable and valid items on my report is disputed. It is not accurate and the alleged debts are uncontrollable in Louisiana law and a violation of federal law under the fair debt collection practice law. The file are inaccurate as all have prescribed and uncontrollable. See Louisiana Consumer Credit Law, Violation of LSA R.S. 9:3552 ( E ) 60 days of final payment of consumer credit contract or 1 year for revolving loan or charge account. 

Open account, Action on LSA C.C. 3494 ( 4 ) prescribes after 3 years The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX ( and as subsequently amended ). 


I am requesting that the items be removed to reflect correct the information. 

Please re investigate this matter and delete the disputed item as required by law as soon as possible. 

Sincerely, XXXX XXXX The below deft has always been disputed - they called me at work repeatedly - the debt is uncollectable as it has prescribed under Louisiana law and is still on my credit report and has harmed me in my attempts to get a loan and insurnace rating cor car insurance. similar debts have been removed this one hasd not disptep MONTHS of efforst to resolve this matter TELERECOVERY Account Name XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$410.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ XXXX  Monthly Payment {$410.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$410.00} Balance Updated XX/XX/XXXX
The issue is Navient 's ( Sallie Mae Student Loan Debt Servicing ) illegal data mining on my private computer. Today, XX/XX/2018, while on-line at Navient 's site filling out my annual application for income driven repayment, the Navient site requested that I update all of my personal information. When I hit the auto-fill option for telephone numbers, it listed all three of our telephone numbers ( 2 cell and 1 landline ). Plus a lot more that shocked me. Two of Navient 's auto-fill entries pertain to private information that has nothing to do with Navient and is only saved on my computer. One suggested ( Navient ) auto-fill telephone number is a local government agency I've been dealing with since XXXX of this year. It also listed that governmental email address. The other suggested auto-fill entry had an entire sentence from a personal letter, saved in a file folder about 7 layers deep within MyDocuments. That specific sentence is unique, and entered only one time, in one letter, saved in a separate file folder, even deeper within MyDocuments. It was never transmitted by email. That letter was written, printed out, and hand-delivered in a meeting. I've photo recorded both of these " illegal '' privacy infringements on my phone, and sent the pictures with a detailed explanation to as many people as possible. The message being, get off the internet and stay off. The " hackers '' we hear about on the news is the US Government. This Governmental infringement on privacy will destroy the internet. I'm off line, permanently. I will wait for an internet response from CFPB to get a telephone # to continue this discussion if you wish. All discussion after that will then be via snail mail. If I don't hear anything within a reasonable period of time XXXX just lost another customer. I'm going back to snail mail. The internet is dead as far as I'm concerned. I will contact XXXX and some-how find out how to download en mass everything I've ever entered on their cloud server, to hard-copy paper, and then shut down/delete everything in the Cloud. Governmental infringement on privacy is the death knell for the internet.
They would n't let me do an forbearance on my loan. I end up paying just the interest On the account but now that I 'm paying it every time. I check it 's not going down it 's actually Increasing by dollars every month. I do n't understand if I 'm paying it why is it going up and not down.
I have settled my debt on a lower amount and although it has been legally handled with my lawyers it has still affected my  credit score, hara ssment at work, and daily life. Naive has pushed me to the darkest depth of  XXXX  and the continued issue of them incorrectly handling and not communicating account changes has been an issue for 3 years. The  XXXX  of this situation on someone beginning life has pushed me to the brink of ending it all. What type of life can you live with bad credit, and no way out of the  black  hole, and o ver 15k mo re in debt than any loan you received ... .that your mother applied for. This company ruins lives without any glimpse of caring. Bless the others who suffer from  XXXX  and are on the radar o f Navient.
I am currently trying to refinance my mortgage at a lower rate. My current rate is 4.25 %. I was quoted a rate by  BB & T  of 3.5 % on   XXXX     based on the property value of {$120000.00} which was from  the county p roperty tax a ssessor and my excellent credit score. After  providing all the consen ts and paperwork to proceed, an appraisal fee was requested. I paid {$620.00} to BB & T for the appraisal. Upon receipt of the appraisal report, BB & T   informed me that they could no longer offer me a rate of 3.5 %. They could only offer a 3.625 % rate, since the property value was assessed at {$98000.00}. I have an excellent credit score o f  XXXX  and feel that the appraisal was deliberately undervalued so that the rate would be inflated. The rate change is fraudulent and misleading. The paid appraisal value and tax assessment are too far apart. This should be investigated for fraudulent activity and prosecuted to the fullest extent of the law.
Between the dates of XXXX XXXX and XXXX XXXX, XXXX XXXX put out XXXX hard inquiries without my permission, even after I had told them that I would find the financing myself.
In 2015 XXXX XXXX wrongfully placed a delinquent account for {$270.00} on my credit report despite being informed that amount was not accumulated by me. I have disputed this via the credit bureaus. The item was removed at some point, sold to a collections agency and recently reinserted. Due to this my credit score has suffered a dramatic drop twice. Under the Fair Debt Collection Practices Act ( FDCPA ), there are certain guidelines and rules that apply to reinserting removed delinquencies. This account has not been verified nor have I received a letter informing me of its reinsertion. I am currently disputing it again.