WillisBack/dataset-financial-user-claim huggingface dataset:
Ocwen Mortgage reported to the credit bureau that I was 60 days late on my mortgage payment. I made two " additional '' payments. This brings me up to date. Ocwen has refused to update my files. Additionally, they continue to charge a late fee.
The home at XXXX XXXX XXXX XXXX, XXXX, TX XXXX is part of the XXXX XXXX XXXX XXXX XXXX. The owner became past due on his assessments but then passed away in XXXX 2015. I am the XXXX and notified the mortgage company, PHH Mortgage Corporation of his death in XXXX 2015 after finding that his children did not plan to take the home. I have been in touch with PHH Mortgage at least monthly but as often as weekly to voice the Board of Director 's, neighbor 's, and my concerns about the home as the water has been turned off so the yard/trees are dead and there are rats in the overgrown vegetation/empty house. In every correspondence, I have have requested that they expedite foreclosure as obviously the deceased is not going to be making payments. The house 's condition has continued to decline. The XXXX has started baiting the house for rats, we have spent close to {$900.00} so far in treatments. We have also started mowing the lawn. We can not water the lawn or help with the foundation that is cracking. There are stones falling off the home because of the foundation 's condition. This home is in a very affluent neighborhood XXXX. The house would sell very quickly as all the homes in this community do. This home is on XXXX the larger lots. I have explained all this to the mortgage company. The owner passed away over 1 year ago. The XXXX is now owed {$12000.00} post bankruptcy on this home. The other owners are paying for the demise of this home not only with their assessments but with their property values.
I received a notice from my ID protection service that a credit inquiry was made. My service indicated it was Chase bank and since I do business with Chase, assumed it was OK. XXXX weeks later as received an XXXX credit card with a XXXX limit. This card was never requested The card was sent to my home address. I called to report and Chase considered it fraud. I asked for documents used to authorize the request but was told that is " confidential '' A quick review of the complaint database indicates that this has been happening a lot. I would like to find the real facts on this breach. Is this an issue at XXXX or Chase? Is this another example of a bank employee opening accounts to win awards? It is frustrating that Chase will not take any responsibility to find the issue given the frequency this seems to be happening.
I sent below letter and they failed to respond within 30 days. The item was delivered with this tracking # : XXXX with a signature. 


XX/XX/2018 DIVERSIFIED CONSULTANTS XXXX XXXX XXXX XXXX, FL XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$2200.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
i have contacted Chexsystems in regards to my consumer report. They are not investigating anything properly and are refusing to provide me with accurate information on my profile. I spoke with a guy names XXXX and i was told my consumer report was being wipe clean and there would not be any negative info on my profile. I called back a few days later and I was told something else by a different rep. They said they make there money by keeping things on consumer reports. Most of the individual that work for them are not American and rude and when i ask for an American rep the refuse to allow me the chance to speak with one. The are violated the fair credit reporting act. Can you please help. I even tried reaching a manager but no success.
I have spoken to the original creditor of this account who has stated there is no balance owed on any account with them as payment has been made in full. They have stated that they would reach out to the collection agency that was assisting on the account for them and have them delete the account from all reporting agencies as there is no balance with them and the balance was paid directly to the creditor. 
The amount disputed is XXXX Paid in full directly to XXXXXXXX XXXX  in guaranteed funds there is no contract or agreement of any balance owed between myself and source receivables.
On XX/XX/19 requested that an executive member of management ( CEO, COO, CFO, Director, underwriting executive management, etc. ) calls me back directly. The message specifically stated not to have an analyst that handles escalations or a manger of an executive escalations analyst to call me. On XX/XX/19, an escalations analyst called me, in which I refused to continue the conversation. I have attempted numerous times to resolve this issue with an escalations analyst and management of escalations and as of XX/XX/19 still do not have any resolution to the issue. In addition to the horrible customer service experiences with Capital One, there seems to be a major training issue. While asking the same question to different Capital One reps, all have provided a different answer in regards to same question at hand.
SPS Loan # XXXX XXXX XXXX XXXX, XXXX CA XXXXPlease also refer to CFPB complaint Filed XXXX/XXXX/2015 - Case # XXXX - docs attached. 

Short Sale was faxed to SPS on XXXX/XXXX/2015. 
On XXXX/XXXX/2015 we had to file a CFPB because SPS never offered the homeowner any alternatives to foreclosure, and was refusing to entertain the possibility of a short sale - which is a violation of the California 's Home Owners Bill of Rights. 

They have since postponed the foreclosure and claim to be working on the short sale. SPS obviously uses the term 'working ' lightly .... 

XX/XX/XXXX We received a counter offer from SPS. 
XX/XX/XXXX We submitted the buyers response to SPS. 
XX/XX/XXXX SPS requested a line item on the HUD to be removed. 
XX/XX/XXXX ( SAME DAY ) We submitted the HUD with the requested correction. 
XX/XX/XXXX SPS said the HUD was received and uploaded to their system on XX/XX/XXXX. 
XX/XX/XXXX Today we spoke with XXXX XXXX at SPS. XXXX claims that they have 30 days from the time the last document was received to get an answer. XXXX says it will take that long to get a response on our counter as it has to go through " full short sale review ''. We told her it does not, by the time they issue us a counter offer they have already preformed the borrower eligibility review and the value review on the property and they know what they want to net. We told her they are outside of federally mandated timeframe and will be happy to file a CFPB complaint to get them fined and request it to move along at a more reasonable pace. She THEN claimed that they take five business days to review any document. We told her that today it has been five days, as according to SPS in the phone call on XX/XX/XXXX, the document was uploaded on XX/XX/XXXX She THEN claimed it was not uploaded until XX/XX/XXXX. 

It is obvious SPS fully intends to drag this out for 30 days. SPS has continually lied on this file and to the homeowner - This is also likely a violation of the Fair Debt Collection Act. This reinforces our comments on our original complaint - Case # XXXX. We find it disingenuous that the ombudsman would make the claims they made on the previous complaint, in light of these continued lies. 

It is also quite obvious that SPS has become an illegal foreclosure mill and has trained their staff in the art of lies and deceit. ****I find odd that when cornered, the employees of SPS change the date in which docs were received and uploaded into their system. **** I also find it odd that they can restart the short sale process whenever they request a change to any document or receive any new document -even if it is only a simple spelling change to an Estimated HUD . 

Is this being done to defraud their servicer? The community? The borrower? Or all of the above? 

After viewing the CFPB 's own website and the internet, it is obvious that this is happening to others thousands of times per month. Should n't the CFPB step in and stop this as per their mandate?
XXXX {$6900.00} XXXX {$6900.00} XXXX {$6900.00} I have explained to this company on numerous occasions that this is not my debt per divorce. They refuse to delete off my credit.
After agreeing to XXXX automatic payment withdrawal from my checking account, and after paying off my credit card balance with Discover Card I received an email stating that my credit line was being reduced and that my account would be closed within 30 days of receiving the email letter. My Discover Card account was opened on XXXX XXXX, XXXX and was in good standing with the exception of XXXX 30 - 59 day late payment in XXXX XXXX. After viewing my XXXX and XXXX credit reports, I saw that Discover Card had purposely deleted XXXX years of positive credit reporting for the years XXXX, XXXX thru XXXX XXXX on XXXX credit bureau report and the years XXXX, XXXX thru XXXX XXXX on the other thereby making my credit history look much worse that it actually is, which seems to be a common practice with credit card issuers at the present time. Discover will also be reporting the reduction of my credit line shortly and will follow-up by closing the account in another 30 days thereby manipulating my FICO to be even lower. My credit card account with Discover was past due XXXX time in seven years, and I do n't see how they could possibly perceive that as a bad credit risk to them and them alone. My FICO score has been manipulated in the same way for the same time periods for multiple credit card issuers, and I will be submitted individual CFPB complaints on each and every one of them.
I sent them an email on XX/XX/XXXX stating I was revoking my authorization for them to debit any money from account and that I was filing bankruptcy and gave them my attorneys name and phone number. They refused to accept the revocation so I contacted my bank and put a stop payment on it. They have since, sent me emails daily, called daily and texted me. They sent me an email on XX/XX/XXXX.stating " If your account is moved to collections, we will call your cell, work and references daily to collect on this loan. '' " Again, you have 24 hours to keep this from happening. '' I received a voicemail today XX/XX/XXXXthat stated that my account was marked as fraud. This company has violated the Fair Debt Collection Practices Act and I want it to stop. I have attached the email to my complaint. I have informed them numerous times that I am filing bankruptcy and given the information they need yet they continue to harass me.
Barclay 's Card has submitted hard inquiries without proper authorization.. Inquiries were made when a request for a larger credit line were made during the below dates. A hard inquiry was made and I was unaware and did not accept them to do this. This has brought down my credit score. 

Written requests to Barclays have remained unanswered. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Request all inquiries removed.
I graduated from XXXX XXXX XXXX XXXX in XXXX, MA. My issue with Navient continues. Today I discovered that Navient XXXX charged me on my monthly payment leaving me -900.00 in my bank account and costing me {$50.00} in overdraft and cancelation fees. When I called to inquire about this I spoke with a very rude representative who offered nothing but blame and accused me of erroneously paying XXXX. 

What in fact happened was the automatic payment plan I am in was charging my account on the scheduled date every month. When XXXX XXXX 2015 came, no payment was taken out. When I noticed no payment had been applied to my account I went online to make a payment manually on XXXX XXXX. I did this and thought everything was taken care of. I checked back in a few days to discover that still, no payment had been applied to my account. I called Navient to get to the solve the issue and I was told that the account information I used when I paid manually was from an old account, which explains why my manual payment did n't go through. I was assured I could pay over the phone with the correct account information and it would be instantaneously applied to my account. I gave her my debit card information and the woman I was speaking with charged my account right away. However what the woman at Navient failed to mention to me was that they were still going to charge me using the automatic, reoccurring payment system. Today I woke up to find my bank account severely overdrawn. 

I called Navient and they refused to do anything for me other than recommend that I call my bank and put a stop payment. This cost me 30.00 on top of the 25.00 over draft fee. Navient seems to continuously keep unorganized records and has a severely scattered work flow and lack of communication with their customers. None of the departments talk to each other and they make it very difficult for me and my cosigners to set up an affordable payment system. This company needs regulations as I constantly question their operation. I ca n't have trust issues with a company whom I give over half my income to. Had I known that my reoccurring payment would go through automatically when the account information was updated, I would not have taken her up on the offer of charging me instantaneously on the phone. I feel as though I was tricked into giving them more money than I had to. I have attached a few screen shots of what my transaction history looks like in my account. Only XXXX payment was applied on XXXX XXXX, not XXXX like they are claiming.
I opened up a Netspend account and you can access reload locations in Minnesota at most XXXX XXXX XXXX. I was at the XXXX in XXXX MN yesterday on XXXX/XXXX/2016 and store clerk XXXX assisted me. Store # XXXX XXXX XXXX XXXX XXXX XXXX MN Phone number XXXX. I was trying to put {$500.00} on my card and there is a {$3.00} transaction fee. He said it went through took my money and I thought that was it. I went out to my car and realized I never got the instant text message alerting me to my funds being added. I immediately get on the phone to call Netspend Customer Service and they were clueless. I went back into the gas station and XXXX told me that he could not help me my money was in the safe and that I would have to speak to a manager XXXX or XXXX on XXXX/XXXX/2016. I called the store at XXXX this morning on XXXX/XXXX/2016 and spoke to XXXX. He told me could I come in there with my receipt. I did just that got there around XXXX. He looked into it and found that he was getting a failed message unable to load my pre-paid debit card. I just want my {$500.00} back. XXXX took my only proof in my receipt to take my Name, Phone Number, & Address down. I have contacted Netspend via e-mail will be calling them back. I have called & emailed XXXX XXXX XXXX corporation but I 'm afraid I 'm not going to get my money back. Please help me.
Repeated calls to myself, place of work, all my family members saying there was a formal complaint in their office and that I would be served today ... today ... today. Never have been served yet. I told them I would love to take it to court.
A couple months ago I called Credit about an account that showed up in my name. I asked why my name was on account .I was told yes it was my name but closed the account because they suspected fraud. I told them I was glad it was closed and I knew nothing about the account. In fact I told my bank not to pay XXXX XXXX XXXX. Then XXXX XXXX XXXX  some how got a payment from my bank. Then my credit report from the 3 credit agencies showed the account was a charge off and in collection. I reported to the 3 agencies as dispute. I have never heard from XXXX XXXX XXXX about my dispute or anything at all about this account. No bills no letters nothing
I received an overdraft charge of {$35.00} for a transactions made on XX/XX/XXXX. But at no time on that date was my account in a negative balance. 

Bank of the West has a history of manipulating account date to extract the most in overdraft fees ; in XXXX, the bank agreed to settle a class action suit for over-collecting overdrafts for {$18.00} XXXX dollars.
This is a dispute to case number XXXX. 
I received a response from Chase sharing that they closed my file due to lack of response in XX/XX/XXXX. Chase provided XXXX letters [ XXXX letter dated XXXX/XXXX/XXXX with a deadline of XXXX/XXXX/XXXX and a letter dated XXXX/XXXX/XXXX with a deadline of XXXX/XXXX/XXXX for additional information. I submitted said information on XXXX/XXXX/XXXX as evidenced in this attachment. 
In addition, the criteria for information being requested continually changes : 1. I was told that I would need to justify non-payroll income. The underwriting returned my file to justify a deposit that was a payroll deposit in XX/XX/XXXX and XX/XX/XXXX. Each time I provided documentation. In essence, if I provided documentation that it was a payroll deposit in XX/XX/XXXX, I do not understand why I would need to justify income again on a criteria that was not part of the original criteria. 
2. I received another letter dated XX/XX/XXXX, I was told that I would need to justify deposits over {$1000.00} that are not paychecks with the submission of XX/XX/XXXX and XXXX bank statements. I provided the bank statements. I did not have any non-payroll deposits. 
Approximately, two and a half weeks later, I received another dated XXXX/XXXX/XXXX that I needed to justify spending over {$1000.00} on my bank statements and another copy of my thrift savings account. 
3. On XXXX/XXXX/XXXX I received another letter my chase stating that my file was suspended and need to justify I took a loan out on my TSP account in XXXX. My supporting documentation shows that my loan was taken out in XX/XX/XXXX and not XX/XX/XXXX. Furthermore, this is the same loan documented at the time of my original assumption request back in XXXX. Chase is also asking me to justify information that is public knowledge ( i.e ) the terms for General Purpose loans with the TSP. I would also imagine given the volume and number of loans originated by Chase, their underwriting professionals know rules and guidelines an individual can have for TSP loans based on the type of loan.
My mortgage loan is serviced by Selene Finance and the investor is XXXX XXXX. I was previously discharged in a chapter XXXX bankruptcy, but Selene Finance kept aggressively collecting payments on my mortgage loan. Selene Finance finally offered me a trial loan modification in XX/XX/XXXX and the payments were {$770.00} per month. Selene Finance advised after the three month trial plan that a permanent loan modification would be completed. However, they continued to collect trial payments until XX/XX/XXXX and then advised that the loan modification was denied. Selene Finance has collected funds and continues to make demands to post bankruptcy payments. Since the debt was discharged, numerous demands have been sent via mail in attempt to collect on the discharged debt. I have received repeated phone calls from representatives making demand for payment as well. Persection 524 ( b ), 524 ( c ) and 524 ( f ), it clearly state that the creditor must be free of influence or  inducement in any post-petition communication. Selene has also violated the Federal Bankruptcy  codeby proposing a forbearance agreement on the discharged debt. [ 1 ] See Federal Bankruptcy Case XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX District of NC, XXXX Division Furthermore, interest has been charged on the now discharged debt. As you are aware collecting money on a discharged mortgage debt is a violationof the Bankruptcy Code. Bankruptcy Courts may use their contempt power under section 105of the Bankruptcy Code in awarding damages for a creditors violation of the discharged injunction. [ 1 ] See XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX. No. XXXX, XXXX. # XXXX ( XXXX. XXXX  NY XX/XX/XXXX ). [ 2 ] See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX No. XXXX, XXXX. # XXXX ( XXXX. S.D. Ohio XXXX ). Selene Finance is in clear violation of CFPB mortgage servicing rules as well, since they have refusedto complete underwriting on complete loan modification packages submitted. Selene has implemented a foreclosure sale date of XX/XX/XXXX. Overall, I feel deceived by Selene Finance on a number of counts and I am seeking your assistance on this matter.
XXXX ,  XXXX   XXXX , &  XXXX   XXXX   XXXX , all nasty companies were warned and advised to cease and desist all collection efforts pertaining to this account that they have begin reporting on my credit file. I am a victim of identity theft, my mother  XXXX   XXXX  and a number of other individuals whom she and my step father sold my personal information to opened this account in my name. This company has no signatures from myself signing this lease, and also has been told even if the docuets were true, the amount according to what they stated were incorrect, and the company or creditor that this company is collecting for committed identity theft on numerous occasions, even after I notified them that I was a victim of identity theft. This company tried to create a false billing statement in my name and attempted to file it in court. Attached is my Federal Affidavit of identity theft and this company is named as well. I requested this company discontinue trying to collect on this debt as it is a result of identity theft. They have none of my signatures verifying or validating a legal contract, and the amount is also extremely questionable. I was even told to sue when this company refused to stop trying to commit identity theft in my name. I have taken this information to the police and also the FBI at which time the company ceased for a while and nothing was heard from them. They then reappeared by placing the account in a collection agency at which time, I notifyed that company of the identity theft and that my mother committed it against me. I sent them the same federal affidavits that you have on file, and they sent a generic lease agreement with electronic signatures as opposed to my actual signature. So they conducted the identity theft via computer. My mother should have never placed my name on this lease. It is  XXXX   XXXX  's debt and not mine.