WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX continues to send fraudulent debt charges to a new debt collector. I severed my service after working with their c/s to improve service outages, dropped calls and roaming when I was local. I worked with them by using new phones and repeater antenna. None of their failed solutions were successful so I was released by them from my service. I was not under contract any longer. I returned all phones, and paid my last bill. They are charging me for returned phones and service long after I had ported my phone numbers. I have contacted them, and each of the debt collectors by phone and in writing. They continue to harass and lie about the charges.
I made an ACH payment to my PayPal account on XXXX/XXXX/15. I have repeatedly called about the receipt of my payment and the status of my account. Although several customer service agents told me they could see the receipt of the payment, the last one told me I would be able to see it on the XXXX XXXX statement. 

This being XXXX XXXX, I went to the PayPal login page and I was denied access. I spent almost 20 minutes on the call in which I was finally given a new login ( after I was told my account user name was an email account I have n't used for almost 10 years, for example. There was other nonsense in the call all, it seems, was arranged to prevent access to my account. ) My repeated requests to have my call escalated were rebuffed and accompanied with more requests to verify personal information, the last and final was information about my bank account beginning with the routing number. At that point I terminated the call and contacted the CFPB.
After being denied Modification, I decided to do some investigation on my own. XXXX XXXX   states that they are not the owner as being claimed by Mr. Cooper/ Nationstar Mortgage. MY Forensic Document Examiner found several discrepancies and states in his preliminary report : " I have investigated the Trust as registered with the Security Exchange Commission ( SEC ) for the property 's loan number XXXX and zip code XXXX and found no match for either of those queries within the Trust. Recognizing that " XXXX '' stands for XXXX XXXX XXXX XXXX XXXX and the " XXXX '' stands for XXXX XXXX XXXX, I ran queries in all filings under XXXX for 2005 and discovered numerous zip code matches but no loan number matches. Further, I researched the MERS data base under both of the borrower 's names and SSN for MIN number XXXX and received a " No Match ' reply for the investor. Therefore, there is no evidence that this loan was secured under the alleged Trust or who the true beneficiary really is. '' After several written communication with XXXX XXXX, it is and has been unclear as to : i ) who is the current holder in due course and owner of the original mortgage note ; ii ) who is the current Trustee and how they became Trustee ; iii ) who is the current Beneficiary and how they became Beneficiary ; iv ) how the alleged loan was funded and by whom ; v ) whether money was laundered by the purported funders to fund terrorists activities ; vi ) where the funds to finance the alleged loan were obtained from ; vi ) who the funds to finance the alleged loan were obtained from. 

I am requesting that Mr. Cooper resolve this uncertainty and dispute by providing me with the following information with evidence that they have authority to foreclose on my property.
the only thing I want to correct on my first dispute # XXXX. Is that I typed in the wrong year I first recieved my loan with XXXX in XXXX of XXXX. Not XXXX like I typed in.
In XX/XX/2018 I contacted Experian with regard to a paid off account. Instead of updating the account as paid in full. Experian delated the account & the positive history of the account
I made an electronic transfer of XXXX from my checking account to my credit card account, both at wells fargo. Wells fargo now says it will take 3 days for that to be credited to my caRD. dURING THAT TIME THEY HAVE MY MONEY AND CAN EARN INTEREZST ON IT.
My complaint concerns Nissan Motor Acceptance Corporation 's ( NMAC ) inept handling of my automatic ( ACH ) payments for the payoff of my Nissan Rogue Select. I purchased my Rogue from a XXXX Ohio dealership in XXXX XXXX, and set up the simple interest loan amortization through NMAC. After my down payment and trade in, my loan balance was {$14000.00} with an interest rate of 3.27 %, and 4-year payment schedule of $ XXXX/mo. This was to be withdrawn from my checking account in monthly periodic payments until XXXX XXXX. 

Payments were periodic and monthly in the amount of {$310.00} from XXXX XXXX until XX/XX/XXXX, when NMAC, for some reason stopped using ACH as the withdrawal mechanism. I was unaware of this, as I made NO change to my checking account to withhold payments. We love the car and certainly neither want a repossession of it nor a credit ding. 

Today ( XXXX/XXXX/XXXX ), I got a call from an NMAC account manager who expressed concern that my account was now in default and my credit score would suffer. This is came as quite a personal and disturbing shock, causing me to feel XXXX as to how to resolve this. I told the account manager that no action or inaction on my end deserved this kind of threat, credit downgrade, nor any other impending action despite the account manager being quite diplomatic and responsive. My bank had indicated to me that the drop of the ACH would have had to come from NMAC as they made no change to the account. This bothered me a bit all midmorning, including the possibility of a credit downgrade, and potential auto repossession. 

The account manager gave me a number and personal extension to call back to clear this up. Now, I had been making PRINCIPAL ONLY payments, since this year ( XXXX XXXX but for some reason NMAC was partially applying those payments to the " soon-to-be delinquent '' account. Well this is a shock and underscores the incompetent Millennials who " upgraded '' the NMAC system to the tune of XXXX ( nice job XXXX ). 

I will supply further information to the CFPB as this proceeds forward.
In XXXX of this year 2018 I pulled my credit report, due to the fact that I was looking for credit. When I pulled my report from all three credit reports, I noticed that there was errors, and information on my credit report that was fraud, and, incorrect information being reported. I then started the process of trying to fix information on my report as, I found out that I was a victim of Idenity theft and, also my credit information from Equlifax was breached, and was never notified by Equlifax. Someone was using my information to open accounts, at different banks, and so fourth. 1. XXXX XXXX  XXXX 2. XXXXXXXX XXXX XXXXXXXX XXXX. I sent Equlifax the Identity theft report and, my Driver Licsene, my Social Security Number a bill to prove who I was. I also filed a FTC Identiy theft report, along with the police report. I disputed these accounts and, they were removed. Now I checked my credit report with all three credit companys, and they have been helpful with fixing everything, except Equlifax, they put back on my credit report XXXX XXXX  and, XXXXXXXX XXXX XXXX XXXXXXXX which I never had these accounts they were reported as, fraud. Equlifax did not even send me a letter letting me know that these fraud accounts were put back on my reort. Equlifax, or the furnisher, XXXX XXXXXXXX, and XXXXXXXX XXXX XXXXXXXX XXXX 120 days from the time I filed these accounts amoung others as, fraud enough time to explian why these fraud accounts were placed back on my credit report. According to FCRA 611 ( A ) ( 5 ) ( b ) THESE ACCOUNTS WERE DELETED CAUSE OF THEFT. It upsets me that Equlifax is so careless about my credit report.
Bought a Bowflex from XXXX which they, I, financed through XXXX XXXX. It was a installment sales contract. But on all three credit reports it is listed as a revolving account and an installment sales contract. XXXX is the only one that lists it a installment sales contract. The other XXXX companies and hy cite refuse to alter the info because it is listed as a positive account, paid in full and never late. An installment sales contract would make it a mixed credit report and would raise my score from XXXX to an XXXX. When applying for a loan it was one of the reasons listed for denying the loan. Also XXXX a utility company should be listed as a sales, as I pay month to month and not under contact. If I had bought a car or boat this is where it would be located under sale account.
On XXXX XXXX XXXX I checked my credit file and I had no inquirys to date. I checked today and there wefe XXXX new inquirys that i did not authorize. Except for XXXX.
I disputed 2 accounts with transunion on XX/XX/2017 and they are still showing as under investigation and were never completed. 

XXXX funding {$1000.00} XXXX XXXX XXXX {$150.00}
XXXX XXXX, 2016 : I sent a payment of {$5000.00} to SLS, with clear instructions to apply {$1500.00} to my monthly payment and {$3400.00} to principal. 
XXXX XXXX, 2016 : I checked my account transaction history via SLS website saw that the amount {$3400.00} had been applied to next month 's payment and principal. 
XXXX XXXX, 2016 : I called SLS to inquire about the misapplication of the additional money sent. I neglected to get the name and ID number of the agent I spoke with. I asked why my funds were not applied as instructed. The agent 's response was that she did not know, but that she would open a ticket to have the money reapplied correctly that day. During this call, I also made XXXX phone payments in the amounts of {$23000.00} and {$23000.00}. I gave instructions for these payments to be applied towards principal. The agent informed me that the transactions would be completed this day and gave me the following ticket numbers : XXXX and XXXX. 
XXXX XXXX, 2016 : Upon checking my account via SLS website, I learned that the amount of {$3400.00} still had not been reapplied correctly and the amounts of {$23000.00} and {$23000.00} were placed in an " unapplied/suspended '' account. I called SLS and spoke with XXXX ( worker ID # XXXX ) ). XXXX said he did not know why the funds had not been applied correctly and that the tickets opened the previous day were still open with this day being the target completion date. 
XXXX XXXX, 2016 : Upon checking my account via SLS website, I saw that the funds of {$23000.00} and {$23000.00} had been applied toward principal. However, the amount of {$3400.00} was still applied to future payments and interest.
I had my Comerica debit card stolen and unauthorized transactions showed up on my account. I opened a dispute with Comerica. They provided provisional credit for {$3000.00}. Well, I received a letter from them today that my claim has been denied. Their reason? Because the Authentic Chip-Read Card and PIN were used in the transactions. No, kidding??? You mean the thief that stole my debit card also stole the chip inside the debit card? Wow! Now, I have no idea how they got my PIN number. My guess is that they saw me punch it in. Regardless of how they got it, they got it. I explained all of this when I opened the dispute claim and they were happy to investigate only to come back and deny the claim based on the exact same reasons I filed the claim in the first place. Their other reason for denying my claim is that there were no failed PIN attempts. Someone please explain to me what that has to do with anything! So their whole investigation concluded that my debit card was used so were just going to assume it was you.
I was initially charged a {$35.00} fee on my checking account for a check that was dated for the following day. I was informed by Bank of America that it does not matter when a check is dated for, tgey will cash it and charge you fees for being over drawn. They also charged me fees on ny savings account even though I was having money being deposited into it. I had enough of all the fees and asked to have the savings account closed. I have called XXXX times spoken with XXXX supervisors and they still refuse to close down the savings account so they can charge me additional fees
Experian is not responding to my requests to investigate, verify and remove accounts from my credit report that do not belong to me.
I was called on XXXX XXXX to make payment -at the time I did not have the money - 4 days later I called this very company to make full payments on all the companies they work through -call was recorded - I paid all my accounts that the customer service rep could see that had a balance - I asked about XXXX account and the lady said there was no balance showing. XXXX XXXX XXXX call me dunning me for a payment- I had made all my payments to my knowledge ( XXXX other companies- they sister with ) if the balance for XXXX themselfs would have been visable to the customer service rep that account would have been paid off also.Now after I have been verbally assaulted by XXXX of there debt collectors and told " good Luck with getting this off your credit report '', they had turned it over to a credit collector in TX - I have made it very clear to this company XXXX when I 'm able to pay the balance I would- I have been under going several medical procedures and treatments do to a car accident and I 'm barely squeeking by month by month on No-Fault insurance payments! This is why I tried to pay ALL of my accts XXXX XXXX because I knew I was going to be under going these treatments and money was going to be non existing - So now Company is Destroying my credit scores by reporting this to the credit agencies and I have worked my but off trying to get scores up so to better my living arrangements - they are illegally punishing me for there lack of available information for there customer service reps- Does it make since I would pay off all my other accounts but not this XXXX? I have proof of the payments made through XXXX payment center on XXXX they had the information avalible to customer service rep it would also have been paid off! I do not have money on demand at their error-I paid all accounts with my tax return money so this needs to be pulled off my credit NOW because this was and is their fault not mine!
On   XXXX   XXXX   I applied for a payday loan, and they only gave me the option to pay it on the  XXXX  which is n't my actually pay period. To my understanding just like every other payday loan companies they go based off my pay periods but Advance America did not! So I called   XXXX   XXXX   and spoke with them about it and asked if it can get pushed to the actual day I get paid because I do not want a late free and my bank account to be over drafted. She explained to me she could n't and I would have to wait and take the late fee of {$15.00} extra dollars and I would have to pay {$310.00}. I also went and asked if they was a way I can split and it was also told to me I could n't. It was very inconsiderate unlike  XXXX  or   XXXX   where they can work with you, reschedule and be flexible Advance America was n't and they charged me a great amount to pay back from just {$250.00}. I am completely enraged and upset with them because now in my bank account I over drafted and I owe the bank money!
They then sent me a notice to reduce the debt I didn.t answer them and they have harassed me and the fact they don.t have the oringinal debt because it came from another debt collector that goes back to XXXX XXXX XXXX who the debt is owed to and the fact I paid XXXX  XXXX XXXX XXXX Dollars they don.t mention that at all.The collection agency that tried to get this debt Three years ago was XXXX XXXX XXXX located XXXX XXXX XXXX XXXX, NY XXXX Phone Number is XXXX There is a federal law about trying to collect a cell phone debt they have two years to get it and then they can.t collect it so the company in mention are in fact breaking the law you need to step in on this.
On XX/XX/XXXX, the XXXX XXXX XXXX ( XXXX ) repossessed my vehicle, XXXX XXXX XXXX VIN # XXXX from my residence. XXXX 's manner of repossessing the vehicle is illegal in the State of XXXX. XXXX did not notify me by certified or registered mail of a right to cure and repossession which did not give me the rights to challenge the repossession.
I have a checking account at USAA bank. Someone, a third-party criminal of some sort, wired in {$4000.00} and withdrew the money in {$900.00} increments from an ATM in Florida. I have never been to Florida. The bank made me aware of the fraud. Separately, I have {$1300.00} in an investment account to buy and sell stocks. I asked USAA bank to wire this money to a different bank, XXXX bank. The request was made Monday, XXXX XXXX in writing. USAA bank has thus far ignored my request, on the apparent grounds that my checking account is - {$4000.00} as a result of the fraudulent activity which is not my fault described above. The bank has also frozen me out of my own accounts online, and not given me any information about them. Their excuse is my accounts are " under review '', a phrase that has no meaning at all in banking
Debt was not mine, was removed years ago after the results of a validation/investigation removed it from all credit reports. Debt collector never sent a notice that the debt would be re-inserted into my credit report.
Equifax 's website that advises if I 've been a victim in their recent hack shows that my information is at risk. Equifax has mishandled my private information, so now I need to go through steps to protect my information from further misuse. This is costing me money and hardship.
American Honda Finance account number is not fairly and accurately reporting to XXXX XXXX and until recently XXXX.The problem is my late payment history which reports vastly differently on all 3 credit bureaus.I have attached the recent bureau reports within the last week for proof.

The late payment history occurs not from my ability to pay ( I could afford 5 or 6 XXXX dollar monthly payments ) but from a technical problem with auto-pay, the Honda website and my banks ' security problems with large online payments.I will send a payment in and the bank will tell Honda to send it back and HONDA DOES.I never received notice of the numerous incidents in time to avoid the lates.It became confusing but now I attend to each payment as if my bank and Honda wouldn't do their jobs correctly.

I would like my credit reporting to be altered to acknowledge the above and would hope that my payments would always be credited on time.XXXX has only 1 late but the others have more than 10 yet they are all different months with the exception of 2 or 3.Please see attachments.
XXXX Inquiry Date : XX/XX/XXXX Clothing Store i have never applied at this store for credit and they put a inquiry on my XXXX report. 

XXXX XXXX XXXX XXXX date : XX/XX/XXXX bank credit cards i have n't applied for XXXX XXXX XXXXXXXX credit cards they put inquiry on my XXXX report. 

XXXX XXXX XXXX : inquiry dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX put 5 different inquiries on 5 different dates on all of my 3 credit burues i have never authorize any of this inquires i have been a victim of fraud before thats why i have so many inquires that does n't belong to me.
I set direct deposit online to my online h.r. I entered my account number and routing number and this information was excepted withan confirmation number. My official pay day was XX/XX/2016 but funds were never and still havent been recieved to my account. I have a trace number and gave it to the institution where funds were sent but they are telling me the funds werent qnd still havent been recieved. My employer will not issue me a new check and the reciever is saying that can not send anything back they never recieved! Im at a loss. Please help.
There is big mistake in my report, I have never paid late this account : OFFICE OF THE ATTY GEN/ TTORNEY GENERAL CHI/    OAG CHILD SU  - Account #  XXXX
Dynamic Recovery Solutions , LLC, the company says that i own XXXX dollar when in reality, i paid all my bills and have a good credit scored, they keep sending threatened letter about money that they want from me.The company is a scam, the name is Dynamic Recovery Solutions , LLC
I have  a JC Penny Plati num Card which is provided by Synchrony Bank. I have recently been approved for a  XXXX   XXXX  card and accepted primarily due to there 0 % APR on balance transfers for 15 months. Upon trying to transfer m y Penny 's balance   to the  XXXX  card unsuccessfully I contacte d Penny 's car dholder services. I was told that Synchrony Bank did not allow their balances to be transferred electronically. Are budget is tight and I feel that it is unfair for them to prevent me from transferring my balance to another bank with a lower interest rate.
My family was told that donations would help pay for XXXX since I didnt have insurance at the time and I was not coherent and unable to make decisions for myself at the time my XXXX son had to the XXXX XXXX they gave him and my stepdad saying that charity or donations would help me pay this bill for me,
They reported an issue of Theft 2 which was dismissed due to being an untrue allegation by my ex. The company reported this as a conviction and it took weeks for them to correct, causing me to lose an employment oppertunity and damaged my reputation.
through Chase buying up banks, I ended up with 6 chase credit cards, I paid 3 to a zero balance with no late payments. My open accts were seized by the XXXX, I filed chapter XXXX bankruptcy on XX/XX/XXXX. 3 Chase accounts were included in the bankruptcy. Chase maliciously and intentionally removed the positive credit from my credit reports, and still shows the accts that were included in my bankruptcy. I contacted Chase and was hung up on numerous times. If Chase can report discharged credit, then they should have left my good credit alone.
I have been dealing with Summit Receivables for almost a year now. They claim I owe on an online payday loan. I have requested proof of the debt two or three times. I did have some debt so I took their word for it and set up payments. They would only take payments by me giving them my account information and making automatic deductions. Immediately I had issues with them taking payments at times that were not agreed on. I have tried to work with them several different times. I would not set up any more payments with them until I receive proof of debt. As of last month, they attempted to pull funds from my account XXXX different times, even though I have not given them permission to access my account. I have been told different things in regards to proof of debt. At first, they said they do not send anything through the mail, only email and then later said the account states I have been mailed proof. I did receive an email giving me their business license. I have never received anything in regards to the actual debt. If this is a legitimate debt, I 'm sure payments have been applied and it seems I should have a right to know what that account looks like. I 've asked them to not call me at work as I am not allowed to take personal calls at work. They have continued to call me over the months at my job. Today I received a call at work telling me that I owe money. When I explained the situation, I was told because I have made payments, I do not have the right to receive proof of debt. I was also told that my employer would be contacted. The representative was very rude when I asked for my right to receive proof and reminded him that my account should be noted that I have asked to not be called at work. He said he was turning it in as a " failure to comply '' and to expect a lawsuit. He also claimed they have called my phone several times but I have not received any messages from them in a few months. I have paid off debt with other agencies and I have never dealt with anything like this. I have looked them up and they seem to be a real company but their practices are very questionable and seem to disregard my rights time after time. I filed a complaint with the XXXX several months ago and they would never respond to my actual complaint of them disregarding my rights. Instead they responded saying they would stop contact on XXXX of the loans. They claim to have XXXX separate loans.