WillisBack/dataset-financial-user-claim huggingface dataset:
Last week I received a suspicious letter from Ocwen Loan Servicing indicating they have " been made aware that you have retained an attorney as counsel '' and that " As a result, all future correspondence that is meant for you will be directed to the attorney ''. 

See document below. 

The reason this letter is so suspicious is that it is completely at odds with the facts : a ) I have never asked any attorney to represent me for any dealings with Ocwen at any time ; b ) I have never missed or been late on a single mortgage payment to Ocwen Loan Servicing in the 4+ years they 've held my mortgage. I am gainfully employed in XXXX ( I 'm a XXXX ) with a XXXX-figure salary, and have no reason to believe I will ever have challenges paying my mortgage. My mortgage is in perfectly good standing, and has always been. 

c ) Prior to this letter today, I had never received nor sent any correspondence of a remotely legal nature from/to Ocwen. 

Given the well-documented history of Ocwen and legal actions taken by states against Ocwen for their improper home foreclosures ( legal actions which XXXX XXXX is working to enforce ), my first presumption was that Ocwen is trying to position themselves to do something improper on my mortgage -- like claim a failure on my part to respond to issues they will trump up and document in the future. 

Can you please advise me on what I can / should do to deal with Ocwen? 

Thank you for your consideration.
This company has ruined my life because of their dishonesty. 
They initially told me that it would be {$600.00} on top of my garnishment to get out of default, an amount I could not afford. 5 months later that amount dropped to {$160.00}, which made no sense. 

When I asked if I had any recourse, if there was any XXXX I could go to to dispute this, they blatantly told me no, I could not appeal. 

Had they quoted a manageable number to begin with, I would be out of the garnishment and would have avoided XXXX I have made this year. 

I was not getting any of their communications -- including the ones warning me of the garnishment. I had to tell them XXXX times that my address had changed. 

Two days ago I asked if they could delay my payment 4 days. They agreed. I recorded the phone call as proof. It came out of my bank account as scheduled anyway. This will result in all kinds of fees.
department of navient XXXX department of navient XXXX department of navient XXXX department of navient XXXX department of navient XXXX department of navient XXXX
I checked my  XXXX ,  XXXX , and  XXXX  credit reports and seen that I have collections from  Credit Collections and  I submitted a investigation on the accounts. I was sent itemized bills from the collections agency and it had what I got done on them. Showing the amounts and all but then I seen that they did not bill both my insurance or my husbands. I called them and ask them to look it up and they said they could not. I called both insurance company 's. My insurance is looking into it because the account is an old account and I no longer have insurance with them. I then called my husband insurance and they said they did not pay because they requested EOB from the hospital and they never sent it to them. I have paid a few of the accounts but it was before I looked into it further. I do n't know if I paid them what was really needed to be paid becuase of the mistakes I found on there part.
XXXX XXXX XXXX is trying to sabotage my mortgage by refusing 2 payments that I made through XXXX XXXX in the amount of {$2700.00} on XX/XX/XXXX. 

I would only be one payment behind and one payment currently due but if they are allowed to refuse my payments then it will put my home into foreclosure. 

I have spoke to them in the past and they have admitted that they have the right to refuse my payments. They are therefore deliberately trying to force me into foreclosure. 

I spoke with XXXX the supervisor at XXXX XXXX and she stated on XX/XX/XXXX that it was returned because it wasn't enough money. 

I only owe for XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX On the back of my statement I boxed in the amount that I am past due. 

With the payment amount of {$2700.00} that I made I would only be late for XX/XX/XXXXand XX/XX/XXXX which I was paying an additional payment in the next week. 

I have attached proof of letter from XXXX XXXX of rejection and a scanned copy of my recent XX/XX/XXXX mortgage statement for XX/XX/XXXX. 

Let it be known that I stated in my previous complaint recently about Carrington MS that they were going to do something like this to push my family into the streets and foreclose on our home.
Received numerous calls from this number they leave voice message that this is a debt collection company for me to return the call. They do not identify or call the name of the person they are calling for. Looked up the number on the Internet it appears to be a scam. I do not have any outstanding debt for a collector to be calling me. Please advise this company to stop the harassment.
An account is being reported multiple times by different collections agencies. I am being penalized by the same debt three times. Account numbers are the same, amounts are different on XXXX, XXXX, and XXXX. Dates are also incorrect. These accounts violate my rights under the Fair Credit Reporting act
I faxed in a copy of my Identity Theft Packet and Police Report to TransUnion along with a letter indicating that I was a victim of identity theft. I requested that TransUnion block the fraudulent accounts reporting on my credit report and identified in the police report in compliance with the Fair Credit Reporting Act to report only accurate information and Section 605B to block fraudulent accounts from reporting in error. TransUnion willfully refuses to comply with federal law and sent me a letter indicating that they will " investigate '' the accounts and only remove them if the fraudulent creditors instruct them to do so. TransUnion willfully choses to cause me great harm by continuing to report fraudulent accounts despite receiving documention that the accounts are fraudulent. TransUnion willfully continues to cause me intentional emotional distress by ignoring federal law and upholding the reporting of inaccurate and fraudulent information on my personal credit profile.
I had a Citi credit card, and I was charged {$450.00}  annual fee. I called to ask to waive it, and I was told I ca n't. 
I asked if I cancel will they refund the money prorated based on days left, they said yes. So I went ahead and canceled. 
I did not receive a credit and they are saying the card is not eligible for a credit. I canceled 10 months of the cc based on getting a refund not for no reason.

Below is their final answer on XXXX XXXX Dear XXXX, Thank you for your further inquiry. 

As mentioned in our prior messages to you, your XXXX XXXX World MasterCard Elite Executive card account ending in XXXX is not eligible to receive a full or partial credit of the Annual Membership Fee. This fee is non-refundable for this account. 

We regret any inconvenience you may have experienced. We strive to be the best in the business and feedback like yours helps us to improve our service. We will make every effort to serve your future needs in a manner more consistent with your expectations and our standards. 

We hope this matter has been clarified and we now consider this resolved. Please note that we will be unable to reply back to further inquiries regarding this specific issue. However, if you have any other outstanding issues, we 'd be happy to help you with those. 

While we are unable to accommodate your request, we appreciate the opportunity to explain our position. 

XXXX, Sr. Account Supervisor.
I took out student loans for a  XXXX   XXXX  in  XXXX . In  XXXX  I consolidated those loans thru the  XXXX  ( federal loans ) and have been paying on the loans which is serviced by Navient, I think it was originally by sallie mae i am not sure.     I recently retired and called today to find out what i needed to do to ensure my employment information was on file for the public service forgiveness program because i worked for local government and had sent my paperwork in back in  XXXX  and I still had the same employer (  XXXX  county ) and I am now going to a non profit that i believe will qualify.     I was told today when i called that none of the payments i have been making since  XXXX  will actually qualify because i was in a " standard repayment '' not the Income based repayment and so therefore i could enter it now but none of the pas t 3.5 years will count towards the 120 paym ent requirement.     I was shocked by this information because I understood that my payments were qualifying, i have never been la te etc..  so i was hoping to find out if there is anything I can do, I also understand that my interest rate is now fixed at the rate it was set when i consolidated so the only recourse i see is to look for a private lender to refinance the loan at a lower rate if possible AND not get the benefit of the forgiveness program.     I hope you can help
To CFPB, In response to case # XXXX my attorneys and I previously decided to contact you concerning the bogus addresses on my Experian credit report, as stated by Experian in their response they sent me a copy of my credit report but did not show that the old bogus addresses as having been deleted so once again my attorneys are furious because of what seems to be a game Experian is playing and I remind you CFPB that I have been instructed by my doctors not to be engaged in stressful situations because of XXXX  I have suffered so now its time to take action against Experian..
COMPAINT AGAINST US BANK HOME MORTGAGE My name is XXXX XXXX XXXX. U.S. BANK is the holder of my mortgage. I bought my house in 2009. One year later I find out the house was not in compliance with the local township. I spent more tha {$20000.00} to repair violation which was overlook by the bank inspection. As a result, I fell behind on my mortgage. 
For over two years I have been trying to get a mortgage modification. U.S. bank has been IMPOSSIBLE to deal with. U.S. Bank Agent XXXX XXXX has been using all the XXXX tactic to delay and denied my modification. 
U.S. Bank Agent : XXXX XXXX # XXXX ext XXXX I need a modification. Please help XXXX
XXXX XXXX has updated my credit report to 150 days late from 120 and this is 4 years old. I was having financial difficulty 4 years back and i was 120 days late not in XX/XX/2019 XXXX switch it from 120 to 150 causing my credit score to drop 89 points. The account has been in good standing for over 3 years, This was a spiteful maneuver for a reason unknown to me. I called and asked them to change it back to 120 but they refused even though its from 4 years ago.
This is the second complaint I am entering for the same issue. 
I have attempted to call and repeated left messages with no response. 
XXXX XXXX CST left message, XXXX XXXX XXXX CST left message, XXXX XXXX CST left message, XXXX XXXX CST left message, XXXX XXXX CST left message. 
I received one phone call on XXXX acknowledging my complaint, and have not heard back since. 
My complaint is that I had a mortgage with Bank of America, the house has been sold, property transferred over 7 years ago. BOA still has my mortgage reported as open with a past due balance of over XXXX. This is negatively impacting my credit and prevents me from future home purchase and financing. I have tried to contact the bank prior to the complaint, but each time, someone at BOA will acknowledge that the facts I provided are correct and it is a mistake, and they will get back to me with a resolution. No one ever has.
I close my account with discover bank credit card around  XXXX   XXXX .  2017  and I was told I was I will get my secured deposit back i n 7-10 days and I have n't received it and I called discover and they told me I have to wait 2 billi ng cycles to get my  XXXX  dollars back and I told them that there no need to keep my deposit I paid the rest of the balance in full I do n't have any pending refunds or pending transactions on my account ending  XXXX  and I need this money cause I 'm unemployed
I deposited my refund check from the IRS. My bank, USAA, put an 8 day hold on it with no notice. I set up auto-payments for rent, bills, etc based on receiving my refund. Now all of my bills will bounce and I will incur NSF fees, despite having over {$1500.00} in that account. I now have a {$0.00} available balance, despite the money from the IRS being in my account. I have been a customer for over 17 years.
I switched my Citi platinum card to a Citi cashback card. Shortly after switching, they offered me a 5.99 % APR on new purchases through XXXX/XXXX/17. I signed up for it, thinking that while I always pay off new charges every month, it would be nice to have a lower interest rate just in case. After sending an amount to cover last month 's new charges, plus an additional {$100.00} to cover balance transfer amounts I had on the card at 0 % APR, I was surprised that I was charged an interest fee of {$2.00}. I checked Citi, and it looked as if the amount I put towards my new charges was not applied to the new charges since they were sitting not in the new interest charges section of my statement, but in a separate offer ( # XXXX ). I wrote to Citi to say that I had expected that new charges would have been paid off first when I sent them money, and even if it was in a different offer, that my payments should go to pay off the highest interest offer first. This was their response : " Thank you for your inquiry. 
Please be advised Each month 's minimum payment due is applied in the following order :? Past due amounts ( if applicable ),? Current interest charges,? Principal balances in APR order from lowest to highest. 
If the Annual Percentage Rates ( APR ) are the same, the offer with the earliest expiration date will be paid first. 
Amounts in excess of the minimum due are applied to balances with higher APRs before balances with lower APRs. 
We are unable to apply the payments which will be applied to higher interest first. 
If you wish to cancel enrollment from offer XXXX kindly respond back to this message. 
If there is any way we can be of further assistance, please feel free to contact us. " I wrote back that they should cancel offer XXXX and also refund me the measly XXXX dollars and change they charged me, but then I realize that I basically have to pay both last months charges AGAIN in order to have that amount wiped clean and so I do n't gain any more interest. To me, it seems predatory that they would apply additional funds beyond the minimum amount to cover lower interest offers over higher interest offers. Also, it is a financial hardship to have to pay the same amount again so as not to incur future interest. I am incredibly disappointed in Citi and told them that I would be writing to the CFPB. I have asked Citi to refund my interest and move my former " offer XXXX '' balance to a 0 % offer to give me time to pay it back without incurring future interest, since I have effectively already paid back that amount. This would be the same as if they took the payment I made, applied it to the new charges and reapplied that amount to XXXX of the 0 % APR offers the money did go to.
While using   XXXX   XXXX   to help me get paid in real time I expieriance multiple delays due to my bank not sending information fast enough. It is not sending current info is read my account at a single dollar, while there is much more actually in the account. This is keeping me from being paid.
Hello, we have had our mortgage with citi mortgage for just over two years. Our original mortgage payment has just been increased from XXXX to XXXX for this year. We have a 30 year fixed. Our previous taxes were XXXX due to the star program. The star program ended by the state so instead of applying it monthly we get a lump sum check in the mail each year. Our mortgage company due to star program ending is veiwing our taxes as a shortage in escrow for last year which is fine, I understand our mortgage going up to cover the XXXX extra shortage from last year, our homeowners did increase this year to an extra XXXX per month. However this year our taxes went down by XXXX which we provided proof to citi mortgage. Citi Morgage has raised our mortgage by XXXX per month and they can not explain why. My wife and I have called and we keep getting different answers, none of which make any sense. They refused to provide anything in writing describing their changes. They even agreed that their calculations seemed off but still wo n't change. I understand my mortgage going up XXXX to cover the increase and shortage from last year but they are asking for a " cushion just in case our taxes go up again '' which we provided them proof they have not. I want to pay the fair amount for my mortgage not an extra XXXX dollars because they feel like it. This new payment goes into affect XXXX XXXX I would like this matter resolved as soon as possible and Citi Mortgage to be held accountable for the unexplained charges.
On XX/XX/XXXX, my credit was ran without my permission. I had been lied to and deceived by XXXX XXXX XXXX XXXX XXXX, who had already previously ran my credit on XX/XX/XXXX. There was no need or permission given to XXXX to run my credit check a second time. As a result of XXXX 's violated action against me, my account received multiple hard credit inquiries from various auto lenders, which stay on your credit for 2 years, not to mention a reduction in credit score. I have attempted to contact XXXX, lenders, and credit bureaus, but I have only gotten the runarounds between these entities, with no resolution in sight. I was even told to file a police report from one credit bureau against these lenders if they were not willing to cooperate with me and help me remove unauthorized inquiries from my credit. I have not filed a report and hope that my complaint here will be resolved successfully, without any need to file a police report against these lenders- especially since XXXX was the one in charge and at fault in allowing this to happen. What's so  disheartening is that after I was lied to by a XXXX rep and he ran my credit against my knowledge and permission, I was told by his boss that he would help me resolve the duplicate and erroneous hard inquiries made into my credit report ; but he flat out lied as well, and that left me with little to no option unfortunately.
During the XXXX storm I was told that I did not have to make 3 months worth of mortgage payment to alleviate with the conditions faced in Puerto Rico and that these 23 months will be added to the end of the Mortgage life. Upon month 4 I received information noting that I was required to make the 3 month mortgage pmt and the current month mortgage payment or I will be faced with potential foreclosure. I am a senior who lost everything and live on a fix income. I felt mislead by the Bank by the offer made to me with misleading information. I have tried to come to an agreement with the bank and was not able to resolve my issue. XXXX XXXX in XXXX Puerto Rico.
I have been contacted on both my personal cell phone and my employment phone by a gentleman stating his name as XXXX XXXX calling on behalf of US Fast Cash from XXXX Pennsylvania with the phone number XXXX He has been aggressive and has used foul language and insults. He has called multiple times in a short period tying up all phone lines. I have been in contact with him multiple times requesting that he no longer call my place of business but he insists that he will continue the calls until the debt is paid. The alleged scenario is that I was given a {$300.00} payday loan from US fast cash with all of my personal info such as account number and SSN involved. I allegedly never repaid this loan and now owe {$680.00} that this company wishes me to settle over the phone in payments or else I will be charged with several counts of check fraud and currency fraud in a " courthouse '' and I can even face jail time. I am not familiar with a company called US Fast Cash nor do I have any outstanding {$300.00} debts or fraudulent checks. I never gave any establishment permission to keep my SSN, bank account number or to call my work. I am being scammed to pay {$680.00} that I do not owe or else face non-stop threats and calls to my work.
XXXX XXXX XXXX. Is continuing to report. Debt on my credit report and has failed to send a statement validation of the debt, the charges that were and to whom. I have sent many time requesting this information including a previous complaint through CFPB and they claim to contact the original creditor and obtain validation that the debt. I have contacted the original creditor and they do have any information on the account XXXX XXXX aka XXXX XXXX and referred me to the debt buyer. I need this information so for reasons the orginal creditor has taken payment history off my credit report recently and should be removed because it inaccurate and the collection agency should be removed because they have no information to provide me. For example, I 'd like to know the last time the card was used and the amount and how many payments were made, and why after the last payment was made did the creditor charge off the account after I explained my checking account was compromised by check fraud and I provided a new account # for payments to be withdrawn auto pay. I am asking for both companies to send documents to verify the amount and payments made, because there was a refund issued to the account and was not applied and over {$320.00} dollars of the {$770.00} balance is interst fees illegally added after the account was charged off. So with the refund by the animal hospital and the interest charges and the last payment I made and the account being charged off the following month both companies are in violation of my rights. I want then removed from my report as well as I want to seek monetary damages because of violating my rights under the Credit Transaction act as well as FCRA as the collection agency never sent a document allowing me 30 days to dispute the debt back I 'm XX/XX/XXXX, and XX/XX/XXXX in a dispute I received a handwritten statement  and illegible piece Paper that only showed an amount, not a statement from " XXXX XXXX " Recently XXXX XXXX erased the date and amount the of last a payment and deleted the account late for 120 days in XX/XX/XXXX and 120 day in XX/XX/XXXX which I explained to XXXX this did not make sense.
My account was closed for no reason. I am a victim of bank discrimination and misleading practices. The Bank representative use my old address when I requested her to put my new address when opening a new account with the bank. Due to her error my account was closed and I am unable to do any transactions on my account. When I try to correct issue with the bank they refuse to acknowledge my complains and proceeded to lock me out of the account entirely. Refusing to connect me to a manager or give me any information about why my account was closed. I ask them to return my funds to me and they wish to mail me back my money by check to the wrong address when I am notify them that I no longer at the old address that I am working on moving to the US.I have provided proof of this claims to them. I also was question about my citizenship status and I inform them that I am a US citizen born in PR they continue to question my identity for no reason. I am disgusted with such deceiving practices and searching online I have realize that I am not the only person treated like a criminal by my own bank. I hope that in the future CFPB will take action against banks leaving customers on hardship unable to pay for their bills due to abusive power. Please help me get my funds back. I am in distress and my bank do n't care if I eat, pay for my medication, my bills or die. Thank you.