WillisBack/dataset-financial-user-claim huggingface dataset:
Ocwen and/or XXXX XXXX XXXX fraudulently obtained my personal and sensitive loan data from my XXXX mortgage holder XXXX XXXX. Owen wrongfully foreclosed on my home on XXXX XXXX, 2016. I obtained information from my XXXX lender XXXX XXXX on Tuesday, XX/XX/XXXX that they received a phone call on the day Ocwen auctioned my home fraudulently using my ex husbands name. My ex husband is willing to testify that he did not call in. The person had my ex husbands name, loan number, birthdate, last XXXX of his social security, and knew the property address. After XXXX XXXX verified who they thought was homeowner on the loan, the preceded to offer my loan status, my reinstatement amount, my current interest rate, and a payoff quote. Now only ocwen knew my ex husband information as he was on that loan too. They fraudulently used his name to to obtain the information to conduct a wrongful foreclosure. Or perhaps they helped XXXX XXXX XXXX obtain that information. I would like Ocwen and XXXX to answer to this.
I took out a personal loan with Discover. I had major problems when I first took it out with the posting of their payments, After MANY phone calls it was resolved and they credited my account {$50.00} for all my problems. It has begun again I agreed to monthly payments of {$180.00}. My statement cut off date is the XX/XX/XXXX of the month and I usually make my payment around the XX/XX/XXXX. My XX/XX/XXXX shows late charges of {$78.00} with {$39.00} reversed. However, online it does show they were both reversed. The XX/XX/XXXX statement shows my payment amount due {$180.00}. I called to find out why the late charges were on my account and why the payment amount changed. The person I spoke to on XX/XX/XXXX said she would research it and call me back the following Monday between XXXX-XXXX EST. I never received that phone call. I made my payment of {$180.00} because I did n't want then to say I did n't make my full payment amount. Today I received my XX/XX/XXXX statement and the other {$39.00} late charge does not show reversed and it show I am PAST DUE ..XXXX when I actually paid .XXXX extra! So once again I called, put on hold for them to research, was on hold for 20 minutes and disconnected. I called back, again put me on hold, came back and told me that it shows online the late charge was reversed and it 's more accurate than their statements. All the time laughing about it. What if I did n't have online access?? Is n't a statement suppose to be accurate. I ca n't tell by the statement if the {$39.00} is still in my balance. She could n't explain why it showed .XXXX late and laughed about it being wrong. All I want to know is why my statements are not reflective of my true payments and agreement I signed and no one can seem to give this to me. I took out this loan XX/XX/XXXX and my statement half been incorrect at least 6 months. I wanted to report to the BBB but I could n't even find them there. Unfortunately I do n't have a source to attach the history but discover should be able to look it up since according to them their online system is more accurate!
XXXX MORTGAGE. XXXX equity LINE OF CREDIT. XXXX On XXXX 2014 Lender. increase the monthly payment. SO THEY CREATED A HEAVY HARDSHIP I HAVE EXPEND 18 months. ( one year and a half ) dealing with many different Departments, Lender change Officers that request document every 2/3 months with no result, MORTGAGE MODIFICATION. GOVERNMENT PROGRAM mortgage modification Government Program
I have made several attempts to request that " IQ Data '' ( The debt collector ) validate this alleged debt that they are stating that I owe with the first attempt sent in a certified letter dated XXXX XXXX, XXXX of which they never responded or acknowledged that they received it which is a violation of the FDCPA section 1692 ( g ) and the fact that they never responded in 30 days, this is not a valid debt therefore it needs to be deleted from my personal credit account with XXXX. The second letter was sent certified on XXXX XXXX, XXXX and the Third and final letter sent out certified on XXXX XXXX, XXXX of which as of the date of this complaint, they still have not responded. I have even filed a police report against IQ data and still no immediate response from them. I do not know who this company is or how they ended up with all my personal information and without my consent, and they feel it is okay to not abide by the federal laws that protect the consumer from fraudulent claims of debt collection and not answer any of my requests but still communicate with XXXX and not the consumer to advising them to continue to report a invalidated debt on my personal profile which I have not contract with them on nor have they provided me proof in a detailed " Bill '' that show how and when this alleged debt occurred or what is it for or that I owe anyone an alleged debt and they have the authority to collect on behalf of the person who may be claiming I owe a debt. At this point I believe I am a victim of Identity theft and Extortion from this unknown company trying to collect an alleged debt that is not validated and refusing to provide me proof that what they are saying I owe is accurate and really a lawful debt that I owe.
On XX/XX/18I opened a dispute with Experian disputing an error on my credit report with a recently opened collection, Experian completed the investigation on XX/XX/2018 and explained to me the information was accurate, so I submitted a reinvestigation on XX/XX/18 asking them to explain and show me proof of the accuracy since I told them the account was unverified, but after they completed it again on XX/XX/18, they said the information have not changed, I submitted the same disputed account with another credit agency ( XXXX  ) and they removed the same account because the information was not accurate.
Experian refuses to take my identity theft report which indicates that the XXXX account is a result of Identity theft. Experian keeps claiming that it is not identity theft when there are multiple reports and also there is an FTC report which they keep on turning a blind on eye too. I already told Experian and XXXX that I refused to pay for something that is not my fault nor is it something I caused. I believe Experian and XXXX have a secret agreement because Experian is the only one who is foolish enough to keep this game going on and they are messing with my life personally because they are making it hard for me to get credit in my name that is actually mine. Experian needs to Remove the XXXX account from my Credit Report.
The account was open without my authorization Identity fraud. This account Must be Removed Fraud. Thank you
On XXXX XXXX XXXX my loan was switched from XXXX bank to SPS servicing. They are Debt collectors not a Mortage co. With several calls being made every month It took until XXXX XXXX to finally get the payments applied correctly. They got it rite for while then XX/XX/XXXX it started again payments being misapplied or held in a " unapplied balance " line till the next month. I called this weekend when I saw the mistake and left a message and they did n't get back to me until wed afternoon. Again they are being corrected but each time this happens I lose the time and interest from when it was received by them and then applied days or weeks later. I ca n't figure out how to calculate that and what I 'm losing but what I 'm really worried about is if they ca n't do normal banking without incident are they calculating my Mortage correctly? I make extra payments every month in an effort to pay it off quickly so I can retire but wondering if I 'm being cheated. Whether deliberately or by mistake I 'm still the one on the losing end.
I want to dispute a collection posted in my credit report from XXXXI had an account with XXXX until XXXX XXXX on that date closed the account but they said it was an outstanding balance. I did not agree with the that but XXXX started calling me every day and send me letters and finally they sent the information to credit bureau. when I saw this I decided to pay that amount so in XX/XX/XXXX I made two payments, the first for XXXX usd made by my credit card XXXX XXXX, the second for XXXX usd made using my debit card XXXX XXXX XXXX. Despite having paid comcast he continued calling me and sending me letters demanding payment. In XX/XX/XXXX I made a dispute and they temporarily removed the information from my credit report. Later I received a phone call from an agent telling me that XXXX was not able to find the payments so I send them the statements of XXXX transactions. This month comcast appeared again reported the debt to the credit bureaus even when I sent my payments proof. I would like to know where are the payments that I made. Even if I paid again what security i have that the same will not happen.
Credit Report Activity Expand All Collapse All New Debts in Collection Since your last update on XXXX XXXX, 2016, you have XXXX overdue debt that has been transferred or assigned to a collection agency. 
Debts reported as in collection can severely impact your credit score, so it 's important to determine how to resolve these debts as soon as possible. 
Debt Collector Original Creditor Balance Owed XXXX XXXX {$37.00}
I was offered a balance transfer. No interest until XXXX 2017. I took advantage of special offer and paid the 3 % transaction fee. I have made my payments prior to due date and larger than required. The bank closed my account, did not state why. Then changed my interest rate from zero per offer to a default rate. They also more than doubled my monthly payment. I tried contacting them to resolved on several occasions this month spending more than 30 minutes each time. This is deceptive marketing. I believe due to the fact the closed my account could have negatively impacted my credit which could prevent me from seeking additional credit. I have not missed any payments on any accounts ever. They chose to make balance transfer offer and received offers from them on a monthly basis. Then as soon as I took advantage, they reneged on their " offer '' so they could charge me interest. The already took a large up front fee to take advantage of this offer.
I found a charged-off account from XXXX Card that does not belong to me on my credit report. I reached out to XXXX Card by certified mail requesting that they provide and prove the Validity of the Account. XXXX Card did reply or respond to my Letter. I tried calling but the Representative said she did not have access since it is charged off and could not help me. I sent XXXX Card a second certified mail asking them to provide a proof or a signed agreement/document with my signature to Validate the Account, but I still did not get any responses. XXXX Cards failure to respond within 90 days of receipt of my certified letters is a violation of the Fair Debt Collection Practices Act ; therefore, XXXX Card should delete all entries from all credit reporting agencies. 
Negative mark placed on my credit reports ( including XXXX, XXXX, and Equifax ) from XXXX Card for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if they can not prove the validity of the account, XXXX Card must request that all credit reporting agencies delete the entry. 

Account Number:XXXX XXXX Card XXXX XXXX XXXX XXXX DE XXXX
I have credit inquiries on my credit report that I did not authorize or I did not apply for anything, I am a XXXX woman who have a live in nurse that have probably tried to get things in my name I dont think it is fair for them to remain on my credit file for something I did not apply for or authorized for my credit file to be reviewed
We recently applied for a home loan and were notified that a Judgment was on my credit report. I was unaware that a Judgment had been registered against me in  XXXX    XXXX , MS . I contacted the Judgment Court and was t old that  XXXX   XXXX  would have to notify them that the Judgment was satisfied. I filed a dispute with Equifax Credit and nothing changed. The amount due has always been  XXXX  on the Credit Report but it needs to state  Amount Satisfied. I  have been unsuccessful having this changed by   XXXX   XXXX    and the Judgment Court  in  XXXX    XXXX , MS .
I was notified back XX/XX/2017 that XXXX XXXX was fraudulently opened in my name and reporting to my credit reports. I am a victim of Identity Theft and immediately put a fraud dispute in with a copy of my identity theft police report with all 3 credit bureaus '. Equifax is the only bureau that has yet to remove XXXX XXXX from my credit report due to fraud. According to Equifax, XXXX XXXX is verifying an account with my name, address, DOB and last 4 of SS. That is all information that could be used when one is a victim of Identity Theft. XXXX XXXX has been notified that this account is due to fraud and was never authorized by me to be opened. XXXX  XXXX has failed to provide a contract with my SIGNED signature showing proof that I am the one that authorized this account to be opened. I have an open BBB complaint against Equifax and against XXXX XXXX. I have also filed a CFPB complaint against Equifax. I have sent another copy of my Identity Theft police report certified mail to XXXX XXXX along with a 609 letter. XXXX XXXX is inaccurately reporting a fraudulent account to my credit file & because of this inaccurate information, I have been denied credit for a home as well as other credit that I'm trying to obtain. This account needs to be removed from my Equifax report immediately due to me not authorizing the account to ever be opened and it was done as a result of me being a victim of Identity Theft. XXXX XXXX is providing verification to Equifax that an account does exist using my name, address and DOB. However anyone can easily access that information on the internet and or phonebook. By law to validate this debt is actually mine, XXXX XXXX needs to provide an original contract with a signed signature by me. For the last 6 months, XXXX XXXX hasn't been able to provide an original contract with my SIGNED signature, therefore XXXX XXXX   is in violation of FCRA section 609 ( a ) ( 1 ) ( A ). XXXX XXXX needs to immediately remove this fraudulent account from my Equifax credit report or I will pursue all legal matters if necessary to enforce my rights under the FCRA.
The home where I now live became mine when my mother and sister passed away and I completed the probate process for their Estate. I started working with a housing counselor and the mortgage company, XXXX XXXX, because the mortgage had gotten behind due to their death in XX/XX/XXXX and I have every intention of straightening out that problem and making mortgage payments once the mortgage company will accept payments from me again. I was approved for a Trial Payment Plan in XX/XX/XXXX and started making TPP payments XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX. I expected to receive a permanent loan modification after the completion of that 3 month trial, but instead I was told to make a 4th TPP, which I did in XX/XX/XXXX. XXXX  sent me an Assumption application packet, which I completed and returned. When I hadnt received the permanent modification offer by XX/XX/XXXX, I made another payment over the phone, but when I called to confirm it had been received, I was told by the representative that he had checked with his supervisor and that my payment had not been applied because the modification offer had been rejected. I was shocked. A few days later, I received notification that there had been some problem with the notarization of the Assumption application packet and XXXX  requested I complete a new one. I did that and returned it by overnight mail on XX/XX/XXXXand they rejected it again for a different reason. We went back and forth for weeks. Finally, I completed the assumption packet for the final time and sent it by regular mail ( because I had already spent so much money on overnight mail and notarizing ) onXX/XX/XXXX. XXXX received it on XX/XX/XXXX. I waited to hear about when I could send them the payments for the prior 2 months that they had not accepted when my housing counselor got an email from XXXX  attorney saying that the mortgage was being transferred to XXXX ( which was a mistake- it actually was transferring to Seterus ) on XX/XX/XXXX. I didnt get any prior notification of the transfer, and eventually received a Goodbye letter from XXXX. But nothing I had worked on for the previous 6 months mattered to Seterus! My file had already been closed and my assumption application cancelled since nothing was in place when the service transfer happened. Now Seterus is asking me to start over and reapply for loss mitigation. I am beyond frustrated. I never got a denial letter, and the reasons delivered by email from the lenders lawyers contradict each other. One email says that I was rejected because I had not made XX/XX/XXXXpayment- the FIFTH trial mod payment. One email says the problems with the assumption packet were why I was rejected.
Due to unemployment of a XXXX job this summer, I fell behind in my mortgage payments. I informed my relationship manager in XXXX I would find another XXXX position in the fall. I took my XXXX XXXX pay and made a payment in XXXX. Ocwen 's position was because the date of the XXXX payment was beyond their XXXX day window, I was informed I had to enter into a repayment plan to catch-up on the payments I missed. I am in agreement with that. She also stated we would determine the payments after the return of the XXXX payment. 

On XXXX XXXX, 2014, my bank cleared a check for {$1100.00} to Ocwen Loan Servicing. I have sent Ocwen the following bank records several times:1. A copy of the cancelled check2. A letter from XXXX stating the check cleared on XXXX XXXX, 2014. 
3. A copy of bank statementTo this date, the mortgage payment has neither been refunded nor been applied to my account. 
I filed a complaint with the Better Business Bureau. The case number is XXXX. 

My attorney, XXXX XXXX of the XXXX has also sent correspondence about this issue. 

How can this problem be resolved when Ocwen keeps:1. Changing the person " working '' on this problem2. Admit they have no record of my XXXX paymentWho is actually assigned to work on this problem? What realistic steps have they taken to find my XXXX mortgage payment? How can Ocwen write me and admit they have no record of my payment and expect me to be OK with that? I have provided Ocwen with banking documentation normal financial institutions would find acceptable. Apparent, Ocwen has problems with record keeping if they have over XXXX complaint to the Better Business Bureau with an F rating. 

I receive a response from a different person from their ombudsman office with a general statement stating that will respond by a certain date and that letter turns into another request. Ocwen keeps asking for the same information over and over again trying to shift the responsibility for clearing this up with me. I do not work for them. What information from of the back of my check does Ocwen need to find the transaction they lost? I am not the XXXX that failed to keep accurate records when they cashed my check. Since I have proved I paid an XXXX 2014 by providing the XXXX bank documents, how does Ocwen get to write back saying they can not find it? I think they might be deliberately stalling to earn more interest. 

Ocwen can either accept my payment or refuse. They have refused so it looks like I am deliberately not paying which is not true. Why do I have to be in the limbo state due to Ocwen 's inability to keep accurate records?
Dear Representative, It has come to our attention that our mortgage was sold to a new servicer. Our goal is to get the proper payment address and further assistance with a new loan modification. The payment made was returned for incorrect address given to us by the customer service line. Thank you!
On XX/XX/2017 Midwest Recovery appered on my credit reports with an amount of {$400.00}. I have NEVER been notified by this company informing my I owe this debt. On XX/XX/2017 I sent a letter asking for verification of this debt they say i owe. I have never recieved anything. Not even a phone call. I called the original creditor of this debt and they have no knowledge of this debt in their systems. They said i didnt owe that debt. I would like for this to be off my credit as I believe Midwest is scamming people out of money. They have broke the law with not verifying this debt and by not contacting me before placing this on my report. I have never received anything from them.
Someone keep calling me from XXXX,XXXX. Stating that they are going to serve me papers on my Job. They give them to the HR. I need XXXX forms of ID. That I was a person of Interest. His name was XXXX. File number Doc XXXX. I had a payday loan online 1 year ago ; but my Job filed Bankrutcy ; and closed. I told the company at that time. I called the numbers at XXXX and XXXX and it states if you have an existing loan or in collection that they no longer in business that they have not sold any information to a third party. But everyday I get phone calls from different numbers ; they have all my information. There has been phone calls from XXXX ; I google it. I talked to a Consumer Compaint they tell me it is a scam. I can not rest for these peoples. I had called number back XXXX the lady was rude saying that I have been sued that I need a Lawyer. I told them send it to me in writing ; they are saying they have it in the court. I stopped answering calls that I do not know. I let the social security peoples know about the scam.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : PO BOX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX PO BOX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX PO BOX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX Please Delete the following numbers, I am no longer associated with them : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
After I XXXX XXXX XXXX Talk to Mr XXXX about Chase Bank did not Cash my SSDI/C8 Disability Account, Check, From an Accoun : Clean Slale Checking Account,
I was put into forbearance without proper notification, which is now costing me over {$15000.00}.