WillisBack/dataset-financial-user-claim huggingface dataset:
Once again, FOR THE NINTH CONSECUTIVE MONTH, the incompetents at Ocwen are screwing up my account. On XX/XX/XXXX, I sent my XXXX XXXX payment in the amount of {$1000.00}, Ocwen Tracking number XXXX. On the same date, I sent an additional principal payment of {$1100.00}, Ocwen tracking number XXXX. The MORONS at Ocwen credited both amounts to additional principal. As of today, they have noted on their web page for my account that the XXXX XXXX payment is past due and have added a late charge. Since XX/XX/XXXX they have failed to properly account for the funds I submit EACH AND EVERY MONTH, until I contact them and tell them how to do their job. This is gross negligence and incompetence. THERE IS NO OTHER RATIONAL, LEGITIMATE EXCUSE.
My mortgage company has made it nearly impossible to get an appraisal and remove my PMI. This summer my house value went up and I wanted it removed. Since then they have repeatedly ignored me until I called and questioned where they were in the process. They once even changed one of my pending payments and almost made me miss a payment. I want a reimbursement for the amount I have paid since my first contact with them about the issue. 

Details : XX/XX/XXXX Sent an email asking to know what would be needed to remove PMI. I was given a ticket number and told to allow 5 business days to respond. THEY NEVER GOT BACK TO ME. 

XX/XX/XXXX I called Loancare asking what happened to my ticket. They told me something happened and it was never noticed. They reopened the ticket. I knew that I needed an appraisal to remove my PMI, but I was told that they needed to try to remove it using the original home value to balance, after which if I needed an appraisal they would send me a letter. I told them that was stupid and to just order the appraisal, but was told legally they could n't without the process. I sent an email so they had written approval, that as soon as they tried to remove the PMI using my original home value and failed I wanted the appraisal ordered. 

XX/XX/XXXX Loancare sent the same letter twice, IGNORING what I had requested. The letter told me that based on my original home value I could not remove PMI. At that point, I would need to send a check in the mail for {$420.00}. Once that was received they could then order an appraisal. No other way of payment was offered. 

XX/XX/XXXX I called and asked if I could pay for the appraisal online since I did n't trust them to get a check in the mail. INSTEAD of charging me, THEY CHANGED MY HOUSE PAYMENT from XX/XX/XXXX to the cost of the appraisal. IF I HAD NOT NOTICED AND MADE A NEW PAYMENT I WOULD HAVE MISSED A PAYMENT! 

XX/XX/XXXX I called and was told that the appraisal was paid for but never ordered. They ordered it that day. The appraiser came on XX/XX/XXXX. I was told that someone would call me about reimbursing me from the date I had contacted them about this but never received a call. 

XX/XX/XXXX The website updated to show the new home value, but the PMI page is not updated and still had n't on XX/XX/XXXX to show the new ratio, or have it removed.
American Express has been stealing money from me for the last 12 month 's through very sneaky, shady, and intentionally devious practices. Over the last 12 months they have manipulated my APR % rate up to 27.49 % while trying to increase by 'extended pay balances ' so they can charge the rate on a higher balance. Year to date they have charged me {$5500.00} in interest charges along with {$660.00} in other bogus charges. All of these unsavory/unethical practices without ever informing that they were doing it. Once I noticed this in XXXX of 2016 they told me they 'd reverse it and NEVER do it again. Recently I balanced my statement and saw that they never stopped and have been doing it all yr. They claim I was late on a payment in XXXX, which I notified them of because of a {$51000.00} IRS tax bill, they told me it was fine and that they would work with me- never once telling me that my APR rate would change. I made all in arrear payments in XXXX and have always satisfied all of my obligations as a 13 yr loyal cardholder w/AMEX. I numerous documented and recorded calls w/AMEX where I have been told repeatedly that I would not be charged this APR, late fees, lose reward points, etc and then they go ahead and do the opposite for my acct and hide it in small writing on my monthly statements in the very back of the statement. AMEX has become an untrusted partner that is surely conducting this type of fraudulent behavior w/many of it 's customers.
Disputed with the XXXX XXXX XXXX  XXXX, XXXX, TX XXXX on XX/XX/2018. Company received my disputes on XX/XX/2018 as it shows according to the certified mail with UNITED STATES POSTAL SERVICES. It is now XX/XX/18 and I've yet to hear back from XXXX. The FCRA gives the company 30 days to respond, I have not gotten a response. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. This account CAPITALONE in the amount of {$3000.00} needs to be DELETED immediately for not following FCRA rules and regulations in a timely manner. This such debt has never been verified I have not received anything in the mail XXXX is not responding to my correspondence.
I deposited a check ( drawn from XXXX XXXX XXXX ) at my local wells fargo branch ( XXXX XXXX XXXX XXXX, TX XXXX ) and deposited a {$50000.00} on Wednesday, XXXX XXXX. I understand that hold should be placed, but the hold was to last until XXXX XXXX. I called the issuer of the check XXXX XXXX today, XXXX XXXX to see if check has been cashed. I was informed that this check was cashed and was provided with a canceled check via email. I printed the canceled check and gave to the service manager, XXXX XXXX. She was not able to release hold and informed me that her manager, XXXX XXXX would not authorize the release of the check as well. Local representatives were not able get a verbal verification from XXXX that the funds had cleared.
In the XX/XX/XXXXXXXX, I was looking for private loans to help me finish my last semester at XXXX. I had already reached my maximum Federal aid allowance, and was in need of private loan help. I called several companies for the best deal. Navient offered me a private loan where I did not need a co-signer, which was rare. I asked about having different repayment options for after I graduated, because I was worried that I would not have a job 6 months after graduating. The representative assured me that I would be able to apply for IDR plans once my private loans entered repayment. 6 months after graduating I called Navient to sign up for IDR because I did not have a decent job and my loan payments were $ XXXX/month. When I called the representative I was told that my private loans did not qualify for IDR, and that the only option for me was to enter into forbearance. I tried to argue this point, saying that I was promised I could get IDR, but to no avail. I had not choice but to take the forbearance, as I did not have the money to pay my loans. I paid {$50.00} per loan to put my loans on hold for a total of {$100.00}. I have called several times since then, and always get the same answer. I have been continuously putting my loan payments on forbearance ever since the XX/XX/XXXX. I originally took out 2 loans, one for {$10000.00} with an interest rate of 12.875 % and the other for {$11000.00} with an interest rate of 11.750 %. Now the loans equate to {$16000.00} and {$19000.00} for a total of {$35000.00} in debt.
Hunter Warfield Inc XXXX XXXX XXXX XXXX XXXX FL XXXX Tel : XXXX Alleged Debt Owed : {$4100.00} Original Creditor : XXXX XXXX XXXX  XXXX XXXX
XXXX is a greedy company to be frank. They have been harassing me by phone about a wireless internet service that I have not used in months ... very little or if any in the entire year of XX/XX/2016. I have had to file not XXXX, not XXXX, but XXXX complaints against them within the last several weeks with the FCC. I recently paid my last bill of {$65.00} for a service that I have not used in many months and cancelled the service. No one did not mention that I had anymore money to pay. Now, all of the sudden last week, I get a bill in the mail from a debt collection company called Vantage Sourcing XXXX for {$81.00} for a service that is cancelled and for a service that I have not used in many months. XXXX have sent me bills directly for years, but now all of a sudden, they send my bill to a debt collector. The only reason XXXX sent my extra bill to a debt collector is because I complained to the FCC 2 times about their harassing phone calls ... that 's the only reason! I 'm being made to pay an extra bill because XXXX is doing it out of spite, retribution, and revenge because I contacted the U.S. Government about them. After I cancelled my service, I received a statement saying my monthly fee is {$0.00}. But if I do n't owe anything, why am I being charged then??? XXXX is trying to make life hard on me, that 's why. I would like for the FCC, FTC, and the Department of Justice to investigate XXXX for their business practices ... something is not right here. The ceo of XXXX needs to be held accountable for the actions of this company period!!!
Two private loans I have with them very discharged in my Chapter XXXX bankruptcy in 2015. Provided paperwork numerous times. My loan keeps getting rolled into forbearance then they show it over 120 days late on my credit reports. And getting daily calls for payment. Do n't know what else to do at this point. Any help would be appreciated.
XXXX   -2017 To  whom it may concern : I would like to file a complaint against Financial Corporation of America, this collection agency has been harassing me for medical bills that I do not owe to   XXXX   XXXX    XXXX  /   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX .     I have notified this collection agency more than once, that I do not owe any outstanding medical debt to   XXXX   XXXX  y  XXXX  /  XXXX   XXXX    XXXX   XXXX   XXXX , yet they continue to bill me, as well as call my telephone.     I have contacted my insurance companies regarding these debts, and they have never received any claims for any of these amounts.     What is going on is that I feel that I am purposely being targeted for harassment by  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  because they have previously tried to bill me for fraudulent medical procedures that were not performed on me, as well as I was previously charged by them for self-administered medication that I could not have given to myself due to the fact that I was under  XXXX , as well as they previously billed my insurances for extended stay in the recovery room when that was not the truth.     I had contacted their administration regarding the fraudulent charges that they continue to bill me for since last year, and their administration did nothing, they were supposed to contact me back, and they never did.     So I have made a claim to  XXXX  for the fraudulent charges for the medical procedures that were never performed on me, and they are being investigated, and this is why  XXXX   XXXX   XXXX  /  XXXX   XXXX    XXXX   XXXX   XXXX  has been harassing me.     They have sent me bills in the past with several consecutive dates of service, as though I was in the hospital for several consecutive dates, when my stay at their hospital has always been   half a day and never for consecutive dates, and I have always gone home the same day after my procedures.
I owe none of the Fraudulent debts that   Financial Corporation of America is billing me for, and I want any derogatory information that they have placed on my credit files removed, and hard copy proof provided to me on their letterhead that this has been done.     I want Financial Corporation of America to cease and desist from contacting me, I have told them more than once that I do not owe these debts, yet they continue to harass me, and they are leaving me no choice, but to seek legal action against them.
XXXX XXXX is reporting a debt that I do not owe. I have reached out to the company to dispute the charges but I have not received a response back from management. XXXX XXXX is reporting a debt of over {$300.00} for services that were never rendered. I asked XXXX XXXX for a itemized bill which is within my rights according to the FCRA. They have failed submit a detailed bill. They are also reporting the bill on my credit report but I had a prepay service with the company. They never gave me any line credit and they are reporting it on my credit report as so.
A XXXX XXXX @ Citi Management Group keeps calling at my place of work after she was told by myself and supervisor to not phone me at my place of work. Personal phone calls can get me into trouble. I repeatedly asked for the alleged debt i owe to be mailed to my XXXX XXXX so i can verify the info. I was refused and was sent a email instead that had no real info. She requested that i pay the debt over the phone at that very instant. I requested the original creditor, amount, name, phone and address and was denied that as well. The said debt is from 2011 and that is all the info i was given. Today she called my work again as well as my cell phone. My supervisor took the call and was told by XXXX XXXX that i owed a big debt and wanted my HR contact to garnish my wages. She called my cell phone 2 times in a row and left a voicemail stating if i did not contact her by the end of the day she would move forward and take legal actions. I still have no idea who the original creditor is.
A long time ago, I had an account with Wells Fargo and it was closed due to a negative balance. I would like to know what happened to the secured credit card funds that linked to the account, and how much do I owe Wells Fargo so I can resolve this and open an Opportunity Account with you. I went to the branch and no one was able to give me a clear answer and the risk department won't talk to me [ I don't know why : D ]
I submitted a request for Experian to block fraudulent information on my credit report. I submitted a police report that I filed in person, an identity theft affidavit that I filed with the Federal Trade Commission, my driver 's license, social security card, and a copy of a recent bill with my request. When I reviewed my credit report I did find that Experian had blocked the majority of the information from my credit report that I had sent them via certified mail with the exception of (  XXXX  ) accounts, but these accounts were also listed i my list of fraudulent items to be blocked from my credit file. I do n't understand why Experian chose to pick and choose the accounts that they would block from my credit file when I plainly told them all of the ones that were as a result of identity theft. The accounts that Experian refused to block were as follows :   XXXX   XXXX    XXXX  Account Number  XXXX  this is a fraudulent account and should have been blocked with the rest of the items that I identified to Experian were fraud.   XXXX   XXXX   XXXX   XXXX   XXXX   Case  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   Case  XXXX  Both of these bankruptcies should have been blocked too because they were both fraudulent/not mine and I plainly explained that to Experian by phone and by certified mail. They claim this fraudulent information was provided to them by  XXXX , but regardless they are continuing to report information that they have been made aware was as a result of identity theft which makes them just as liable as   XXXX   XXXX  .
 XXXX  was also sent a certified letter making them aware that they were reporting a bankruptcy under my name and social security number that did not belong to me.   XXXX   XXXX   never did respond to my certified letter and continue to report the same fraudulent information. I have tried to resolve this with both companies in professional manner but they both feel that they do n't have to honor my request. It seems they do n't know what the phrase " I was a victim of identity theft means ''. These companies want to tell you that they verified your name and social security number and address, birthdate and so on and so forth, but if they were very well versed in what Identity Theft is they would know that means that someone has used all of my correct personal information to open fraudulent accounts to include credit accounts, bank accounts, bankrupticies and all of that. They simply do not care they would rather punish me by continuing to broadcast this fraudulent information which is also defamation of character when i have told them that it is inaccurate and fraudulent and then they continue to do so. They are willfully and maliciously continuing to report information that both companies know to be false/fraudulent.
I HAVE CONTACTED US BANK NO LESS THAN 5 TIMES IN REFERENCE TO STATE TO STATE TRANSFER SO THAT I MAY REGISTER THE VEHICLE IN FLORIDA. THE STATE REQUIRED US BANK TO MAIL THE TITLE TO THE AGENCY LISTED ON FL FORM XXXX XXXX.WHICH I FAXED TO US BANK OF XXXXXXXX.18. I ALSO CALLED TO ENSURE IT WAS RECEIVED. INSTED US BANK SENT A LETTER TO THE TAG AGENCY WITHOUT THE TITLE STATING THAT I HAD PERMISSION TO TITLE AND REGISTER THE VEHICLE IN THE STATE OF FLORIDA. THE LETTER WAS NOT SIGNED AND STATED INCORRECTLY THAT I COULD TITLE THE VEHICLE WHEN NO TITLE WAS PROVIDED BY US BANK. THIS WAS MY 4TH TRIP TO THE TAG OFFICE WAITING HOURS EACH TIME TO BE TOLD NO CAN DO. I CALLED US BANK AGAIN TODAY AND ASKED FOR A MANAGER. I WAS TOLD ONE WOULD CALL ME BACK AND THAT NEVER HAPPENED!
A few years back, my payment was around {$80.00} per month in a repayment plan. Then one month, with no prior notice, the payment deducted was substantially more. As stated, there was no prior notice whatsoever. I called and had to battle with them to get the payment reconfigured to an amount I could handle. Just this week, the EXACT SAME THING HAPPENED AGAIN. My payment was around {$85.00} per month and all of the sudden, with zero forewarning, the amount deducted from my bank account was {$240.00}. This is unacceptable. I am about to have my XXXX child and unauthorized debits like this can substantially affect my financial viability if it keeps happening. At least if I had a notice that the payment was being raised, I could do something about it. Maybe that 's not a big hike in amount for some people but it is for me.
I initiated a bank to bank transfer into my Huntington Bank Checking account from my XXXX XXXX XXXX account for {$15000.00}. On XX/XX/2017, Huntington Bank rejected the transfer because my Credit Union account has my middle initial on it and my Huntington account does not. I was told by Huntington Bank that this happens all the time. The funds were pulled from my Credit Union to Huntington Bank in less than 24 hours. Huntington Bank tells me they rejected the transfer but will not return the funds for 3 business days while the transfer is being investigated. Huntington Bank is holding my transferred funds while not making the funds available to me. I spoke with CSR XXXX and supervisor XXXX on XX/XX/2017 and both explained that there is nothing they can do to assist me with this issue.
I had contacted them about deleting  XXXX   XXXX  with documents from the settlement of the Class Action lawsuit I had been a member of and after several attempts of submitting these documents, the  XXXX   XXXX  is NOT deleted from my report.
I am a Widow who has asked for assistance and denied, never receiving assistance. I have a relevant case of extreme hardship due to the passing of my husband. Prior to his death I had never been late ever with my mortgage or had any problems. With my husband now gone my finances have changed drastically. I have been asking for assistance from TD Bank but they have and continue to deny me help. I cooperated with them fully providing them with all the documents they asked for including my prior tax documents that showed our combined salaries and what it had become after his death, I also provided my paystubs and his death certificate. The loss of a spouse is not only the greatest grief but the loss of income is truly a great hardship. They played the usual game and I was denied again even though I gave them concrete proof. I needed my loan modified to a smaller payment so that I could keep up the payments, I do n't have far to go to finish paying off the balance. Because TD denied me help, in order to keep up the payments current and on time, I used my savings to supplement my income. Now my savings is gone and there is nothing left to supplement. I am behind, a car repair problem caused a setback in my ability to make payments to them. I only owe them approximately {$27000.00}, my monthly payments are {$450.00} and would have been able to keep money in my savings to brace against an emergency had I received assistance from TD Bank where I have a home equity loan. It is only though greed and calloused, mercilessness that institutions play with the lives of those who fallen on hard times. It is a shameful embarrassment the way they are coldblooded and cruel. Under the current administration, there are mortgage programs that would assist me but TD Bank would rather harass me for payments that I 'm unable to make rather than offer a solution where we can all benefit. Each week they send me threating letters of foreclosure, I know from past experiences, if I continue to send them requests for assistance, they have no intentions of helping me with anything but out of my co-op if I ca n't pay. TD Bank holds the home equity loan and I am currently unable to pay and I am being harassed rather than given any assistance. The mistreatment I 've received needs to be exposed and I 'm telling my story. Shame on them.
I am contacting you because my son is a victim of identity theft and his father was XXXX  for using my sons identity as well as mine. My ex husband has the same exact name as my son which made it easier for him to take over my sons identity. Any information in the credit bureaus are fraudulent and do not belong to my XXXXyr old XXXX son. I am submitting documentation to support what I am telling you and would like all credit files in my sons name closed and an alert put on my sons social because this is fraud. My sons name is XXXX XXXX XXXX XX/XX/XXXX
I sent a previous dispute regarding these accounts XXXX XXXX XXXX ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX I have added additional information with an updated police report that lists these accounts specifically with the account numbers and an ftc report that has been notarized in may of this year these accounts are fraudulent and need to be removed asap it has caused countinuous issues with my family because of the identity theft
Allied Collection Services has me owing {$210.00} to XXXX XXXX XXXX from a XXXX/XXXX/14 medical office visit date of service. I 've been employed with my job for 11yrs with great insurance. I called XXXX and spoke with XXXX in the claims department for my medical insurance. She states they never filed a claim with my insurance company. There is a Nevada XXXX Rule. If the office does not timely file the medical claim with the insurance carrier THEY ARE RESPONSIBLE FOR THE BALANCE AND ARE TO WRITE IT OFF NOT BILL THE PATIENT FOR THEIR FAILURE TO BILL. THE DOCTOR 'S OFFICE HAD 24 MONTHS TO FILE WITH MY INSURANCE COMPANY AND THEY FAILED TO DO SO. I 'M REQUESTING THEM TO PROVIDE PROOF OF BILLING MY INSURANCE AND THEM NOT PAYING. IF THIS IS NOT PROVIDED THEY NEED TO CONTACT ALL CREDIT BUREAUS AND DELETE THIS INFORMATION FROM MY CREDIT IMMEDIATELY.
FCRA 609 STATES THAT Credit report has to be 100 percent accurate and My college loan comes from the department of education not XXXX therefore by then stating I owe them Is not true they are a private contractor who don't have my permission to report on the status of what I owe to department of education