WillisBack/dataset-financial-user-claim huggingface dataset:
Thank you for allowing me the opportunity to address the derogatory credit with Ocwen Loan Servicing. This situation is a result of very unfortunate and unforeseen circumstances beyond my control. 
I purchased with the purpose of an investment property. Unfortunately, it is located in a Zone A area, with a high potential of flooding. In XXXX, during Hurricane XXXX, the property sustained substantial damage, in which the space was no longer safe to rent, and the tenants had to move out. When I brought the insurance adjuster over to inspect the house, I found out that the property was vandalized and burglarized, with all of the heating and water pipes removed, windows broken, etc. while vacant. At that time, the insurance company refused to pay any claims. While I was able to obtain different insurance coverage, I was forced to finance the repairs out of pocket. 
While slowly repairing the damages from Hurricane XXXX and the burglary, XXXX XXXX XXXX devastated the area, and the home sustained even more damages than during Hurricane XXXX. All repairs ceased and I had to start from the beginning. Like many homeowners at that time, I then had to fight with my insurance company to cover incurred damages. Unfortunately, the property was not covered by FEMA because it was not my primary residence. Although working with the insurance companies took a great deal of time, I was successful and was able to begin repairs. 
Throughout this time I have been in constant communication with the bank and had all intentions of rectifying the mortgage arrears once the repairs were completed. The series of events slowed down the process and made it almost impossible for me to be able to catch up. Unfortunately, since XXXX XXXX XXXX, the location of the property is considered severely depressed and unable to sell for anything close to the original purchasing price. I have been left with no choice but to sell the property for less. My attorney has been in negotiations with the bank to resolve this issue on my behalf. We have made some progress, as the smaller second mortgage was closed and discharged in XXXX. In the meantime I have been receiving letters from the bank and the attorneys representing them. Some of these letters have been quite confusing. The most recent correspondence, for example, states that the house will be auctioned at the XXXX County courthouse on " XXXX XXXX, XXXX. '' I have attached the most recent notice of sale that was sent. The next steps are unclear to me, as the dates on this document have already passed.
In XX/XX/XXXX or XX/XX/XXXX, I received a collections call from Receivable Solutions out of XXXX, XXXX regarding a medical bill. As I have had health insurance my entire life and there was no reason I should be receiving a bill ( co-pay was made at the time of service ), I contacted my insurance carrier to clarify. XXXX XXXX XXXX XXXX XXXX XXXX informed me that a medical provider from XXXX XXXX XXXX failed to timely bill my insurance for services and that the provider could not bill me for the service under the terms of their contract with XXXX. I relayed this information to the debt collector who understood and ceased attempting to contact me. Many years later ( coincidentally, after the statue for any fair debt collection action I may have against them ran ), they began periodically contacting me again and the debt continues to be reported to the credit bureaus. Because they have documented ownership of the debt, the bureaus will not remove the collection. I assume they do nothing to investigate my claims that the original debt is invalid. This company is unlawfully attempting to collect a debt against the terms of their contract with my previous insurer.
In light of the recent data breach with Equifax, I have been attempting to initiate a security freeze with Equifax. After several attempts on their website, I keep getting directed to a page that involves only removing a security freeze. I do n't have a current security freeze with Equifax. I have never made a payment or received a PIN for that purpose. 
There is no way to speak with a customer service agent about this. An error message pops up when clicking on a link to speak with customer service representative. 
I have been able to place a security freeze with the other credit reporting agencies, XXXX and XXXX.
My payment on the loan is due tomorrow. I called to simply ask whether if I paid tomorrow, would it go through in time? Or whether I should make a payment today? The service rep did n't know so put me on hold to talk to her supervisor. She then told me that a late payment wo n't go on my credit report for 90 days so I could wait 90 days to pay. This is not at all what I asked ( which I told her ) but she encouraged me to pay late on my loan.
XX/XX/XXXX the N.M. Dept. of Taxation notified me that I owed state taxes for XX/XX/XXXX in the amount of {$3500.00} and that the account had been assigned to a collection agency. I contacted the collection agency called Performant Recovery and made arrangements to pay {$100.00} per month on one of my bank credit cards beginning XX/XX/XXXX. I agreed to pay this until I could investigate the allegations and so that the collection agency would not contact the credit bureau and damage my credit. I knew that the alleged amount owed was drastically wrong because my earnings from my work for the entire year was only around {$75000.00}. 

I hired a C.P.A. and together we did my XX/XX/XXXX state tax forms again : I owed {$260.00}! Also, XX/XX/XXXX I had called the N.M. State Taxation department and was frequently in contact with an employee there who was handling my account. I sent the N.M. State Personal Income Tax forms directly to her as she instructed, by certified mail on XX/XX/XXXX. Meanwhile, I had been paying {$100.00} per month to Performant Recovery. When I informed the N.M. State Dept. of Taxation of their huge error I demanded that they notify Performant Recovery to discontinue billing my credit card immediately and reimburse me the overpayments that I made. Also, I called the Performant Recover company several times and was left " holding '' for 20-30 minutes every time without ever speaking to a human being. I then left messages about stopping the monthly charges. However, they never stopped charging my bank credit card even at this writing! Phone calls to the N.M. State Taxation and Revenue Dept. were never returned and the woman who had handled my account was sent to a different department. The new person never returned my calls or contacted me in any way. My bank fined me late charges for not paying the {$100.00} bill per month and I filed complaints with the bank ; but Performant Recovery kept charging my credit card and still is. They are sending threatening letters to me about what they are calling a " delinquent account '' for a balance of {$2600.00} when I owed the state of N.M. only {$260.00}.! They need to be stopped and they need to reimburse me for all the overpayments!
I had a payday loan many many years ago with Advance America ( I think ) that was paid however, it 's still reporting that I have an outstanding PDL.
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX  data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these XXXXXXXX XXXX XXXX XXXX XXXX mentioned accounts.
Had a car repo in ( i think 2007 ) drive time called my brother in law told him there was a warrant for my arrest. Called me with this info, i returned call and it was a bill collecter. I advised i am on ssi XXXX. Collecter said if i dont pay by tomorrow they will take me to court and garnish my ssi.
I am contacting you for my son who is XXXX. His girlfriend did his taxes and placed her checking account number for deposit. In the meantime she overdrew her checking account and did not pay the fees. She tried to close the account but the bank would not let her until the fees were paid. Meanwhile they charged the account daily. My son 's name is not on this bank account. The bank took all of my son 's tax return in the amount of {$1000.00}. and will most likely take his state tax return as more money is owed on the account. The bank in TD Banknorth in XXXX, XXXX. My son 's name is XXXX XXXX XXXX/XXXX/XXXX, SS. # XXXX. The other account belongs to XXXX XXXX DOB XXXX/XXXX/XXXX. XXXX and XXXX are not married. I am concerned as I do not feel that XXXX should have to pay XXXX 's bank fees with his tax money.The bank told him to contact the IRS and the IRS did not seem to be able to help. My name is XXXX XXXX DOB XXXX/XXXX/XXXX. SS XXXX. I can be reached at XXXX.
I purchased a vehicle at a XXXX dealership. The payment due date was set up there. We asked the salesman if he could get it on the first of the month. He told us we could set it up on the XXXX when we get paid with the Financial company called XXXX XXXX. We signed the deal. Immediately after we contacted the company and explained we wanted the payment due on the XXXX when I get paid my XXXX check. They stated they could only extend it to the XXXX, however that would not be a problem because we had a 10 day grace period with no charges. Then without warning sometime later Car finance no longer had the loan and a Flagship Credit Acceptance had it. I noticed they had been charging me late fees after we payed the payment. I talked to them multiple times and they would not even hear my complaint. They gave NO regard to my explanation. I have also noticed my payments have not gone down as they should and I have no idea whats going on. I have repeatedly asked for a breakdown of charges and they absolutely refuse to show me anything on paper. I am so up set with this company and I know i have been taken advantage of Financially. I have a Case pending with the Florida Office of financial regulation. Case number XXXX. The company will not even respond to them according to the person who is handling my case. I feel strongly I must elevate this to another level so I can get the answers and monies I feel are owed to me due to the inaccuracy of this transfer as I believe it is very wrong. I feel they are exploiting me because I have a XXXX. I am a XXXX veteran and I can do nothing. The payment interest is something I never understood when I signed these papers. Its seems very wrong that I am paying my payments and not allowed to even know what the principle is and how it was applied.
I would like to know if I am one of the ones that has been charged too much for my loan. I have been paying on it for years, and it just never goes away. I struggle monthly to pay this as I had to have my elderly mom be co-signer and I wo n't make her have to worry about it. I would appreciate any information that you can provide me.
XX/XX/2018 : XXXX received a NSF Email Alert on his USAA Classic Checking account re {$1100.00} from his USAA VISA Credit Card has successfully been transferred into his USAA Checking account to cover XXXX XXXX Home Mortgage Ebill Payments or Debits on XX/XX/2018 in the amounts of {$5.00} and {$1200.00}. 

XX/XX/2018 : XXXX calls XXXX XXXX at XXXX, after a about a 30 min conversation is told that it appears someone has accidentally paid their Ebill Mortgage by entering a wrong account number off by one digit from XXXX account. 

XX/XX/2018 : XXXX calls USAA Fed Saving Bank & is told  to file an electronic dispute to correct the situation. 

XX/XX/2018 : XXXX goes online & clicks on the XXXX XXXX  " dispute '' button and clicks on " button '' to deny recurring debits.. signs using the eSigns button. 

XX/XX/2018 : XXXX calls USAA Fed Saving Bank and receives confirmation that are aware of the dispute. 

XX/XX/2018 : XXXX downloads " USAA Written Statement of Unauthorized Debt '' PDF form. 

XX/XX/2018 : XXXX completes. signs and mails the " USAA Written Statement of Unauthorized Debt '' back to the USAA Fed Saving Bank. 

XX/XX/2018 : XXXX calls USAA Fed Saving Bank and is told again that they are aware of the situation and that he will receive either a letter or email within 10 day discussing status with the final dispute settlement within 45 days. 

XX/XX/2018 : XXXX calls USAA Fed Saving Bank to get an update... operator goes off line for about 30 mins, returns to say that my " dispute '' appears to be " fraud '' and my account is compromised, she forwards me to a fellow USAA associate who sets up my new USAA checking account... based on her 2nd recommendation, I immediately electronically transfer the approx {$2300.00} from the old to the new account. 

XX/XX/2018 : XXXX receives a " No Fraudulent Activity Found After Review of Your Claim '', Claim Reference : XXXX, electronic text Notice from USAA Fed Saving Bank based on your XX/XX/2018 inquiry... Notice further indicates " Our decision is based on multiple USAA system security records, No further action will be taken. 

XX/XX/2018 : Summary : I find this particularly unfair as someone has ripped me off for {$1200.00}... the denial of my claim also impunes my personal integrity suggesting I was in someway negligent or permitted this transaction to occur... respectfully request CFPBs assistance in tracking down all the details, electronic foot prints, etc to find the person/s ( who ) and method ( how ) this XX/XX/2018 unauthorized transaction occurred... this claim denial comes at a particularly stressful time in our life as on XX/XX/2018, our Main House, sons Gate House, and tenants Guest House were totally destroyed along with 3 detached garages and 1 workshop. We also lost our XXXX XXXX business to the fast moving West Fire that originated 800 feet from the east side of our ranch/estate, XXXX XXXX XXXX, XXXX, CA XXXX... Standing by to provide additional information, answer questions and documents
Received several harassing phone calls from persons saying they work for Concord Resolutions , Inc in XXXX NY ; however they gave a number unrecognized by XXXX XXXX or XXXX for me to call back. Caller stated that they had a client who named me as a person of interest in a legal matter. So I called back and they stated I owed a payday loan from XXXX 2013 from XXXX that was sold to their client XXXX in XXXX 2013. I asked why did it take so long and the representative stated because they tried to resolve the matter and I never responded. I have always responded to any debt I have. Apparently they called my brother and my mother ( I never give out their information nor list them on anything ) so that is a red flag. But the person stated they are going to garnish my wages if I do not make arrangements with them within 48 hours. If no response then they would send it for further legal action to be completed including jail time.
XXXX has been disputed numerous times on my credit including an update showing currently a lawsuit pending against XXXX and Consumer Protection Bureau has closed the case with my response to the dispute, and also XXXX did not respond within the 30 days
I have federal student loans with Navient. I went into repayment around XXXX and had signed up for the income based repayment. I soon realized that I would n't be able to maintain my repayment amount and called to find out if I could have my payments reduced or if there we 're any other options available. The loan office I spoke on XXXX XXXX 2016 to told me that my payments could n't be lowered and that my only other option was to put my loans into forbearance unless I provided proof with pay stubs or taxes that my payments were going to be too much to manage. I signed up for the forbearance which was approved XXXX XXXX 2016 and ends in XXXX but I still feel discouraged and doubtful about my loan repayment. The officer was not understanding at all and now I 'm accruing more interest when I could have been paying an amount that would be suitable for me. I was also unaware of a delinquency notice I received and was not told about it when I first applied for forbearance in XXXX of 2016. Meanwhile the notice was sent to me in XXXX of 2016. I believe that people should really reach out to you and no only when they want you to pay a fee.
There is a hard inquiry in my Transunion Credit file on XXXX XXXX 2016, which should not be there. I have never authorized XXXX to make any such inquiry against my credit. Please have Transunion to remove it as XXXX have already removed it.
US Bank the issuer of the XXXX XXXX XXXX XXXX XXXX and Small Business credit cards charges an annual fee for each on of their cards. I have both of these card, the personal card for my personal spending the the small business card for my small sole proprietorship. The key perk of these cards for me and many others is that when booking hotel nights using the points that the card offers the last night booked is free. For example, if you book XXXX nights at a XXXX you only will use points for the XXXX night and get the XXXX night " free '' ( i.e. you will not need to use your points ). This language was clearly still in place when I paid both annual fees earlier this year that I would receive the XXXX night free, otherwise I would not have paid the fee and canceled the card. When I called to attempt to get the fee refunded I was offered XXXX club XXXX which is worth far less than {$75.00} ( the annual fee paid or the loss of getting a XXXX night free which can be up to XXXX club XXXX points ) and is unacceptable. The annual fee on the small business card is {$60.00}. I combined the {$75.00} and {$60.00} fees below.
My home mortgage was transferred/sold to Rushmore Loan management on XX/XX/XXXX, account number XXXX. I was with XXXX XXXX XXXX until then. I was approved by XXXX XXXX XXXX  for a 6 month forbearance, as I am a XXXX XXXX and was furloughed, is the reason for the forbearance. My forbearance was from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX I am to pay {$3600.00} to bring my loan current. Rushmore states they are not aware of any forbearance and stating they are not aware of my forbearance. I faxed and mailed them a copy of my forbearance approval on XX/XX/XXXX. Today someone put a notice on my door that the mortgage payments for XX/XX/XXXX and XX/XX/XXXX are due. I called Rushmore on XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX XXXX and XX/XX/XXXX @ XXXX XXXX. At each call I explained my forbearance circumstances. They continue to state I must make all payments to bring account current and ignore my forbearance. They are stating foreclosure will proceed if payments are not brought current. Can you help me. Thank you in advance for any assistance.
On XX/XX/2019 and XX/XX/2019 funds were electronically sent to PayPal for the purpose of being available for a secure purchase under a promotional opportunity from PayPal offering 24 months on purchases with no interest which has an upcoming expiration date of XX/XX/2019. At the time the deposits were made there was {$3000.00} available to use. The purchase was for {$4000.00}. A request for an increased credit facility from PayPal was declined.

The transactions in this complaint have all been transactions in USD from US FDIC insured banks to PayPal between US based companies.

PayPal will not respond directly to a request for increasing the credit line. Their process is " try the purchase and if it works you're all set. '' The issues here are : 1. My FICO credit score is XXXX and I have never been late with PayPal in the numerous years I have done business.

2. My income is {$270000.00} annually.

3. No reason was provided for the refusal of increasing the credit line.

4. The monies paid have been deducted from my bank account on XX/XX/2019 and reflect " processing ''. The funds are not available. This is the same bank account that payments are made from for numerous years.

5. The funds are neither in my bank account to use for the purchase nor are they available for the purchase in PayPal.

6. The delay causes harm in denying the availability of the promotional offer.

The representatives at PayPal will not do anything to investigate, expedite or otherwise relieve the tension between the availability of funds and the conclusion of the promotional program. This is a service, finance and technology company. The restriction of the availability of funds is avoidable and inconsistent with generally acceptable policies by other finance companies.
On numerous occasions I have disputed this account XXXX Now # XXXX with Experian. Upon receipt of my investigation results this account is reporting inaccurately. To date this account has not been corrected. Experian is violating my rights under the FCRA.
The following are UNAUTHORIZED INQUIRIES I discovered on my various credit files. 
COMPANY : XXXX XXXX XXXX. DATE : XX/XX/XXXXCOMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX BUY DATE : XX/XX/XXXXCOMPANY : XXXX XXXX XXXX XXXX XXXX. DATE : XXXX COMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX XXXX DATE : XXXX COMPANY : XXXX DATE : XXXX COMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX XXXX DATE : XXXX COMPANY : XXXX BANK DATE :XX/XX/XXXX COMPANY : XXXX XXXX  XXXX DATE : XX/XX/XXXXand XXXX COMPANY : XXXX XXXX XXXX DATE : XXXX COMPANY : XXXX XXXX DATE :XX/XX/XXXX COMPANY : XXXX XXXX XXXX  DATE : XXXX COMPANY : XXXX XXXX XXXX XXXX XXXX COMPANY :  XXXX DATE :XX/XX/XXXX
I was checking my credit score on XXXX XXXX and there is a Hard Inquiry on there that I did not authorize. The inquiry was made on XXXX XXXX, 2017 by the below company. I did not authorize the inquiry and want it removed from my credit report. I did n't fill out any form or apply for any loan or credit card. This was either identity fraud or just done illegally without my authorization. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Thank you
I paid {$100.00} on XX/XX/2017 which was to pay the XXXX and XXXX payments. After seeing that the XXXX payment wasn't credited properly, I called Chase. They explained that I made the payment one day too early ( the day before the statement comes out ) so the entire payment was credited to XXXX only. They corrected the status and even reversed the late fee but never updated the credit bureaus. They are still reporting me late for XX/XX/2017. The minimum payments for XXXX and XXXX were {$25.00} and {$53.00} so {$100.00} was more than enough to cover both payments. I did this because I knew I would be busy and out of town and I didn't want to forget about making the XXXX payment.
I have received robo calls XXXX minutes apart multiple times with caller ID showing a different unlisted number every time. This happens every month. The caller wo n't give their name but wants money says they are working for Ditech.