WillisBack/dataset-financial-user-claim huggingface dataset:
Dear CFPB Representative, We signed a " shared appreciation agreement '' with Ocwen Loan Servicing , LLC who represents the note holder XXXX XXXX. In this agreement Ocwen was to, in exchange for, very high payments, forgive a substantial portion of the principal owed on their mortgage. Now comes, that after over a year of us making excruciating payments that have depleted our savings, Ocwen has pulled out of the agreement leaving us with a foreclosure, likely loss of our home, and our life savings gone. 
They claim that their employees / representatives misled us into this situation but that at the end they were canceling the agreement and moving forward with foreclosure. We have already received the foreclosure notice. 
The key provision of this agreement was the principal forgiveness. The note holder, XXXX XXXX, had us locked in what they call a " negative amortization '' loan, where the balance of the loan actually goes up instead of down. Together with the housing crisis of 2008 we have a very severe negative equity in our home. After the government prohibited these negative amortization loans, the note holder changed us into a regular ARM in order to what they termed " stop the bleeding ''. However the payments soon tripled in size and made things impossible. Subsequently Ocwen, now the new servicer of the loan, convinced us to sign this agreement in exchange for this principal forgiveness that would pull us back to a break even equity position. Based on that we signed. Now that the market has been improving, Ocwen has decided to pull out. In our opinion they have done so in order to bring in more cash for themselves from a foreclosure rather than having to comply with the principal forgiveness agreement they signed with us. They are covering their tracks by removing long time representatives from our account, bringing in bogus " customer advocate reps '', erasing electronic correspondence within our account at their website etc. 

We find this to be negligent and outrageous. We have been sent into financial disaster by Ocwen Loan Servicing , LLC and the note holder XXXX XXXX. 

***A more detailed description of the situation is given in the attached documentation together with other related supporting documents***
I am a co-signer on two student loans and I am writing to dispute items reported to my credit report by the loan servicer XXXX. XXXX failed to comply with their own policies, and intentionally and deceitfully provided misinformation in their correspondence. 

At the beginning of XXXX, the primary account holder contacted XXXX and verbally worked out a forbearance plan to bring the accounts current. The next payment, which was approved by XXXX would be due at the very end of XXXX. Payment was actually made Monday, XXXX XXXX, which brought the accounts current nearly a month early. 

A few days later I received a letter dated Sunday, XXXX XXXX, XXXX advising the delinquencies may be reported to the consumer reporting agencies if payment is not made by XXXX XXXX, XXXX. I called XXXX and confirmed with their customer service representative the accounts were now current and that the payment and this letter simply crossed in the mail. I was also advised that it is XXXX policy to send this last letter with a payment deadline before delinquencies are reported to the credit reporting agencies. 

XXXX, in deliberate violation of their own policies, reported the delinquencies to the credit reporting agencies before the deadline given in this letter. 

Additionally, the deadline given in the XXXX XXXX letter was a full week before the agreed upon date for the next payment. If we would have waited until the end of XXXX to make the payment, which XXXX agreed to and approved, according to this letter XXXX still would have reported the delinquencies to the credit reporting agencies.
Fraudulent activity in my wells Fargo and XXXX XXXX account. So now I cant open or bank with anyone.
XX/XX/2012 I was a victim of fraud. I had my identity stolen and it was used to open school accounts to get loans. my IRS refund was stolen for years I have been dealing with my identity being used against me. please help me, Sincerely, XXXX XXXX
I requested Capital One to close my account on XX/XX/2018 because I have not been using the card for past two years and have been paying the yearly fee. 

Capital one solicitated to continue the account by reducing the annual fee to {$30.00}. I refused and requested them to close my account. Capital one agreed to close my account and waive the annual fee and late charges of XX/XX/2018. 

On XX/XX/2018, I noticed that Capital One reported me delinquent for XX/XX/XXXX on credit report. I called Capital One on XXXX to enquire about my request and was informed by customer service agent XXXX that due to coding error request was not properly submitted and she will resubmit the request but not close the account I have to call back after 5 days to confirm whether account has been closed. When I requested for a gaurantee to close my account I was not given a clear answer. After repeated request, she told me that I have to pay additional fines if I want to close the account including the late fee charges for additional month that had been accrued due to Capital Ones negligence in not submitting my request on XX/XX/2018. When I pressed further to close the account and by paying the amount but will complain to consumer court, she started reading a disclosure for my consent. It shows that Capital One is trying to delay the closure of account thereby charging additional fee and money to consumers.
Citi Bank through their Card Services division is using their size and might to influence legal transactions by discouraging the legitimate commerce in otherwise private transactions. Specifically Citi is advocating for XXXX groups by refusing to do business or allow business transactions to occur using their credit/debit card services for firearms and firearms accessories. It is not, in any manner, a good business model for a large corporate bank to stick their nose into my affairs by tracking/assessing what goods and services I choose to purchase which are legal, and thereby disallowing my transaction to occur simply because of the Citi mantra in how they want to influence the marketplace.
I was fraudulently charged a service fee for XXXX for my restaurant business. I never agreed to sign up or be charged. The rep from the company spoke to the front cashier who has no ownership and told them to sign up. They called me and I said do not sign up for anything. The rep still signed us up and sent my restaurant a bill. The rep does n't have my name on the bill but part time workers who he spoke to and has the business name wrong. I called XXXX and they said the employees agreed so I have to pay. Now it is with a collection agency who sent the letter to XXXX of my employees saying they would be seizing bank accounts. Rauch Milliken International is the collection agency. I spoke to them and explained to them what happened. They do not know who I am or the correct business name, but they are sending it to a lawyer to seize assets. Their phone number is XXXX ext XXXX.
this not my credit card w/XXXX XXXX please remove from all XXXX reports. 
thank you.
I was told my son first year annual fee would be waived and the supervisor refused to waive it.shw claims would be in paperwork ... I tried to tell her not in paperwork because it was only for first year so it would shout annual fee after that..she blatantly would not help and waive few when we were advised it would b for first year
Chase is miss-reporting payments made and received. Chase continues to report my mortgage to be in arrears and every month the number increases by a month 's payment. On the statement sent payment is listed to have been received. All of the discrepancy started after the chapter XXXX bankruptcy ended but Chase representatives can not identify the specific month when the XXXX payment was not received. Chase miss allocation of payments is negligible and is having a significant impact to my credit and ability to obtain financing. I currently have and adjustable rate mortgage with a rate of XXXX and I can not refinance it because of how Chase is handling my payments and reporting such. 
I appreciate your attention to this matter. 
Sincerely, XXXX XXXX
There is a {$650.00} charge sent to collections in my name from XXXX that I do not owe. I knew nothing of this debt until it showed up on my credit report in XXXX XXXX. I contacted the company -- they apologized and said it would be removed from my credit report, however it is still reporting negativity. I would like this erroneous collections charge removed from my account ASAP. I am trying to buy a home and have been trying to have this removed for months. I have supporting documentation showing I do not, and have not ever owed this collections charge.
XXXX client, XXXX XXXX is a victim of identity theft. She reviewed XXXX XXXX  report and found a fraudulent inquiry from Discover bank XX/XX/2018, and again XX/XX/2018 that she never authorized. An official dispute of this information was mailed to Discover bank XX/XX/2018. Discover bank replied with a letter that denied the dispute of the fraudulent inquiry claiming that because my client did no reply to an email and because her personal information was on an online application the inquiries can be listed as accurate. This is a violation of the FCRA and my clients federal consumer rights.
Transunion is reporting 2 accounts with 2 late payments each and this information is incorrect. I have tried disputing it directly with them, to no avail.

1. XXXX XXXX shows 2 late payments - I have never paid this account late.

2. XXXX XXXX XXXX shows 2 late payments - I have never paid this account late.

These accounts need to be update and late payments removed.
I submitted complaint number XXXX on XX/XX/2018.  This complaint was answered by Navient and I did not received what I requested. I am requesting a letter of cancelation / payment. I made full payment of the loan and this abusive company still have not provided confirmation that I paid in full the loan. This situation is not acceptable, neither the ridiculous respond they provided, which is basically to call them. I called to a phone provided in Navient latest respond, the number XXXX requested a PIN I don't have. I need to get my letter of cancelation that I had been requested for more than 2 months now after submitting full payment on XX/XX/2018. Who is in charge here, the lawyers of this abusive company or the government, that seems to be not doing anything to put this abusive companies in line.
I received a call from XXXX advertising their services and offering if I signed up with them they would give me a free tablet. I agreed to their services. They came out to hook up the cable and I asked for the tablet and they said I did n't get one. They lied to me. I told the person hooking up my cable that I did not want their service. the next day I returned the box, modem everything that they left. 
I called XXXX on XX/XX/XXXX once I saw I had a collection from them. They told me that I never called them and canceled my service with them so they billed me for 3 months and than sent me to collection. I did cancel my service and I returned the equipment and canceled my service again. 
I never received anything from the collection company notifying me that I was going to collection.
I have a {$500000.00} CD in the BBVA Compass bank. The CD matured while I was out of town on businesstrip. The BBVA rolled the CD into a CD with 0.1 % interest. It was few days pastthe 10 days grace period when I found out the CD had rolled into another one. I asked the CD be broken and I would pay the usual 3month or 6 month interest penalty. I was told that there would be a 3 % penalty and Iwould have to pay {$15000.00} for early withdraw. The agreement I signed says at renewal, the bank will " disclose renewal terms '' to me. They never disclosed this 3 % penalty tome and this penalty was not in the original CD I signed up for. I have talked to theprivate banker, branch manager and district manager and they all say the 3 % penaltyca n't be waived. In fact some of the individuals I talked to at the bank were surprised by the 3 % penalty and told me that they also believed this to be excessive. I believe the action of BBVA with regards to this CD renewal isunethical and represents an unfair business practice. They did not " disclose '' the termsas they should have. I am a small business owner and I might have to go get a highinterest loan for my business while BBVA is holding my money hostage.
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded.
On XXXX/XXXX/15 I requested 1st Financial Investment Fund provide validation for {$160.00} debt being reported to credit bureaus. As of XXXX/XXXX/15 I have not received any response in relation to my request.
The Borrower is in Chapter XXXX Bankruptcy. The Order for Loss Mitigation was XX/XX/XXXX.
The loss mitigation application was submitted to Nationstar on XX/XX/XXXX.
The borrower was denied on XX/XX/XXXX without sending the paperwork through the XXXX XXXX XXXX per the Bankruptcy Court Order and Nationstar did not provide any of the guidelines or explanation of underwriting requirements that prevented the loan modification.
On XX/XX/2018, the day before my mother died, I made a purchase in the amount of {$100.00}. Due to the stress and attention required to settle my mother 's estate, I was three days late paying the amount in full. I asked for leniency due to the circumstances. I continued to ask for late fee to be reversed ; I am now being charged fees and interest on that original late fee. I am getting at least a half dozen phone calls a day - which I consider harrassment - from XXXX XXXX. I paid the balance I owed. They could very easily have forgiven the original late fee. This was a new account and I only made this one purchase with it.
XXXX issues:1. My XXXX payment was made on XXXX XXXX, 2015 and was not credited to my account until after I emailed the CEO, XXXX XXXX, on XXXX XXXX, 2015. In my email, XXXX of the things I requested as follow-up was a written response informing me if my XXXX payment was reported as a delinquency to the credit bureaus. I never received a response and would like an update. 
2. My XXXX payment was made on XXXX XXXX, 2015 and has n't been credited to my account.
I have requested a copy of my annual free report on multiple times and XXXX XXXX has failed to comply. I sent a notarized request at the beginning of XXXX to which they responded by mail stating they needed a copy of my utility bill and state Id. I faxed over that information the utility bill had previous and current address on it and they sent me another letter stating to give them a call. I did and verified name, birthday, social security number and address again. The customer service rep stated they got my fax but it didn't have my current address on it. I asked to speak to a supervisor and spoke to XXXX who didn't even seem to understand my call. At first he said he did not have the information that I just requested and then after pushing the conversation he said my ID was not legible. The inconsistent information that I have received is unprofessional and irresponsible. I have sent as stated above more than enough information to validate my identity. There continued failure and violations of my rights is unacceptable and may lead to other legal avenues if not resolved immediately.
I was denied a {$10000.00} credit loan with Wells Fargo. The reason given was that ; Amounts owed are too high relatve to your income. 

XXXX gave me a XXXX Credit Score, XXXX/XXXX/2016. With this very high credit score I believe that I have been discriminated because Wells Fargo has a history of denying loans to XXXX.
I have a chase credit card which is paid through bill pay from my chase checking account. I have the payment schedule set up to be received by the credit card on the due date. The credit card has begun to charge me late fees because I was told the payments are n't posting for 1-2 days after I the due date. These payments are supposed to be posted the same day since it is the same company. The rep from the credit card company sai I was responsible for when the payments post! The late fees were waived this time but I was told they may incur again. I feel that chase is falsely and deliberately charging late fees. If I had not questioned this the fees would not have been removed. I feel you should be aware of this because I am sure this is happening to other chase customers.
Chase Bank has moved it 's bank out of XXXX, Nevada as well as all it 's remaining ATMs causing extreme hardship to it 's customers. I have been with the bank for over 30 years and have never had the hardships of 'no way to deposit funds ' into my accounts as I have experienced here in XXXX , Nevada . The closest ATM is listed on their web site as XXXX miles away. It has certainly caused an increase in fees and overdrafts costs. Chase refuses to comment on the matter.
This is a follow up complaint to previous complaint  XXXX . Please reference the details in this previous complaint. The reason that I am submitting a new complaint is because today I called  Chase Southwest Visa to check on the status of my complaint. They informed me that they are just NOW beginning to investigate my complaint and that it will likely be several ADDITIONAL weeks before th ey are able to resolve my issues!! I first contacted Chase th e   XX/XX/XXXX r egar ding this problem. I followed this up with filing a complaint with the CFPB on   XX/XX/XXXX . It appears that they have taken absolutely NO STEPS to resolve my problem. I have received several form lett ers from " Th e Executive Office ' ' stating that they are investigating my case and will notify me when and if it is resolved. I do n't believe that they are doing anything on my behalf and are simply stonewalling. They need to be made to do right by this their customer!!
XX/XX/XXXX, I financed a XXXX XXXX XXXX XXXX through XXXX XXXX XXXX In XX/XX/XXXX, my car was wrecked. After my car was being repaired, I was waiting for rental car reimbursement from insurance company ; the repair shop placed a mechanic lien on the vehicle. During the time, I was waiting for reimbursement from insurance company, I was still making payments to XXXX XXXX XXXX so I did not think it was an issue. Once I received reimbursement check I went to pick up my car & was told it was picked up by dealership after mechanic lien. I called XXXX XXXX XXXX to get my car and pay for repair expense, I spoke with someone named XXXX, & was told that he did n't know exactly where my car was because it was on it 's way to an auction ; he would try to locate it & call me back. I never heard anything from anyone @ XXXX XXXX XXXX ever again. I never received anything in the mail via USPS regular mail nor certified letter notifying me of anything such as a deficiency balance letter, Notice of Sale & Right to Redeem, Reinstate Information for Repossession Agency, Notice of Seizure/Inventory List Vehicle Condition Report Proceeds or Sale documentation. Initially it was listed as a repossession on my Equifax credit report, after I disputed the information it was changed to a charge off with a balance of {$15000.00}. XXXX and XXXX are still reporting repossession. I have requested validation through all 3 credit bureaus without resolve.
Mortgage company will not explain how a " invalid " late fee of {$54.00} can equal {$790.00} considering this is a monthly fee.
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
I've been back and forth with Bank of America to get off CRA XXXX XXXX. I am a XXXX XXXX veteran and showed BOA the proof of being so and why I made the mistakes that caused my account to go negative. That account is now paid off I will upload to you the proof I sent to them which they did not consider. ( although they lied and said they " may have '' considered it ) They sent me a letter saying the bank will keep their choice to keep me on CRA. I just got off the phone with XXXX XXXX XXXX as I am working with them. No referrals, please. I don't owe Bank of America a XXXX. It was a small mistake that was fixed when I had a debt with them which is now ALL PAID OFF. This is bullying and extortion.
There is a fraudulent charge on my account. I have contacted the fraud department on numerous occasions about the matter. However, now they refuse to speak with me about the matter and XXXX of the representatives went as far as to yell at me and then hang up when I only asked for her to repeat XXXX sentence because I was taking notes.
TransUnion continues to report errors on my credit report such as incomplete information regarding three public records. Unrecognizable information on file but TransUnion refuse to correct, I filed a lawsuit in State Court.  TransUnion handed out my credit report to the judge without my permission ignoring The Fair Credit Reporting Act (FCRA), Public Law No. 91-508, was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies (CRAs). ..  State Court Judge did not recognize FCRA Section 609 and FCRA Section 611.TransUnion is in violation of FCRA Section 609  and Section 611.
This company put a collection item on my credit report. I have not received anything from them regarding this item so I dont know ehere it came from.
I had been a long time customer of XXXX wireless. In XXXX of XXXX I moved to XXXX and found there was not XXXX XXXX. I contacted XXXX and was let out of my contract due to lack of service. I was sent an envelope, mailed my phone back to them, and paid my final bill. Several months later, I was charged for the phone. I contacted XXXX and explained to them that I returned the phone. Several months after that I began being harassed by a collection agency ( I no longer have the name. ) In XXXX, I filed a complaint with the XXXX. I never received a response from XXXX but the collection dropped off of my credit report. However, it now appears that a new collection agency or agencies are attempting to collect this same false debt. These collection agencies are Source Receivables XXXX, through XXXX, and XXXX XXXX XXXX through XXXX XXXX of these collection agencies are located XXXX. However, one has a physical address while the other lists a PO BOX XXXX They have different phone numbers. These collection agencies claim that the account was opened in XXXX of XXXX and became late in XXXX of XXXX. However, the exact dates differ between XXXX These incorrect dates are a fraudulent attempt to draw out the period of time that a collection can appear on my credit. There are numerous illegal issues here and they appear to apply to several companies. First, I do not owe XXXX any money. XXXX is at fault for falsely claiming that I do but also for falsely extending my contract by dropping my XXXX XXXX XXXX discount and then changing the start date of my contract from the time I renewed the contract to the time I asked for them to reinstate the discount, a matter of several months. Source Receivables XXXX and XXXX XXXX XXXX are attempting to collect a debt that I do not owe and in doing so have tried to strong arm me by using unfair business practices.