WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX, XXXX I have had an issue with Ocwen since they bought my loan from XXXX XXXX when the banking system went south. Ocwen holds payemtns, sendthem back and when I fell behind they charged me false charges. Every month I get different mail from them with different totals and even a foreclosure notice on a loan paid to date. It is a continuing battle. I ca n't get on the website to view documents because it never works. They are behind in updating information and charge because of it. 4 times they have returned my payment to me for no reason. It is frustrating. I called again today and XXXX my case manager says I am up to date and he will send me information regarding charges. Thats fine but they should n't have charged me. All I can say is be persistent. Also it is not the employees fault it is the system they use. I have stopped answering phone calls from them because it is hard to understand them. I only deal with XXXX. 

Charges are dated XXXX/XXXX/XXXX {$100.00} ) Property Evaluation XXXX/XXXX/XXXX {$100.00} ) Property Evaluation XXXX/XXXX/XXXX {$100.00} ) Property Evaluation XXXX/XXXX/XXXX {$100.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$140.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$130.00} ( XXXX charges XXXX day ) Property Evaluation XXXX/XXXX/XXXX {$300.00} Titel Fee XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$0.00} ) Property Evaluation XXXX/XXXX/XXXX {$10.00} Title Fee XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX charge XXXX/XXXX/XXXX {$280.00} ) Property Evaluation XXXX/XXXX/XXXX {$7.00} Title Fee XXXX/XXXX/XXXX {$7.00} Title fee again
See attachments. 

Experian does not have the proof document. They are using tactics to defer and delay. 
They have my personal proof of ID on file. We went over this many times. 
Why are they allowed this? 
Who can I seek out to get help?
Hi, I appreciate XXXX and your hard work but you are incorrect on your last response on my home loan. This is very simple the lender I had was Penny Mac I'm not disputing that ok. What I'm disputing is the loan balance it's been paid in full. I sold the house! Sighned the closing on XX/XX/2018. I want the balance to be shown as a XXXX balance on my report and XXXX debt under where it says realastate debt. Since a buyer has already bought the house. XXXX XXXX XXXX XXXX  is the company that closed the house. XXXX is the number to XXXX XXXX XXXX XXXX. I have uploaded and by mail sent proof house was sold and closed to XXXX already. But XXXX  has failed to get the correct response on my report. I want a zero balance showing on my report under Penny Mac. Thank you!
Suntrust was ordered to comply with the XXXX mortgage servicing rules as of XX/XX/2014. The Department Of Justice, HUD, and CFPB established rules to prevent poor documentation and lost paperwork as of XX/XX/2014. My home was foreclosed on while applying for an unnecessary loan modification in XX/XX/2014. The loan manager from Suntrust Mortgage kept losing the loan modification application. I was evicted from my home of XXXX years in XX/XX/2014 at gunpoint.
On XX/XX/XXXX I sent a certified dispute to this bureau about a closed old account labeled XXXX/XXXX XXXX. 

So, basically the dates are not right and I wanted the bureau to delete the account completely considering the delinquencies are actually from XX/XX/XXXXbut for some reason were not reported until XX/XX/XXXX. Delinquencies were not from XX/XX/XXXX. The card was already closed in XX/XX/XXXX. Considering I have not heard back from them in already over 30 days I would like to just have it deleted for an accurate report and abide by FCRA law 605 15 U.S.C. section 1681 ( c ).

Also, a major concern I have, Still I noticed that the item is not appearing as disputed so that I know at least that they are investigating this and that has violated FCRA 605 15 U.S.C section 1681 ( f ). No indication of dispute present
On  XXXX   XXXX  I registered a Best Buy Credit Card to purchase a {$1000.00} TV with 6 months no interest. I later purchased another TV in  XXXX  for {$600.00} on the same card.     I had been making payments every month since  XXXX  and continue to this day  XXXX   XXXX   XXXX  ). I never gave it too much thought but finally iwondered why the balance never lowered. After 10 years of paying at least the monthly minimum I still owed {$1600.00}. I looked into my bill statements when I noticed I was paying something called " debt protection. '' This debt protection service would amount to  XXXX  dollars a month. I had apparently been paying this fee for all 10 years and had no idea what this was or why it was on my statements.     Mid  XXXX   XXXX , I calle d Citibank ( whi ch had taken ove n   XXXX   when I signed up for the card ) and told them my con cern. They put in a request to refund me the money I paid into the debt protection service which amounted to about $  XXXX  as what they told me. A couple weeks later I received a letter from Best Buy stating " any previous billed fees are valid and non-refundable. '' They denied the attempt of a refund but did opt me out of the debt protection service.     I have since call ed Citibank and B est Buy hoping to get clarification in the matter. They have not given a proper answer or direct contact letting me know why the refund was rejected or why this was added onto my statements for 10 years. After doing more research into  Citibank  and  XXXX , it appears there was some fraudulent activities occurring as they were participating in unfair deceptive credit card practices- latching on add-ons to your bill without making the consumer aware.     I had no idea what this debt protection was or why I was enrolled in it. I 'm still not sure what it even offered or why it was included when signing up for a Best Buy credit card.
Enrolled in college but did n't attend not even first day. Asked to be signed out as I could n't XXXX XXXX to get there or get a ride there and I was n't given the opportunity to have withdrawal papers mailed to me. They kept the money sent by my loan lender for books and things I never purchased and kept me enrolled and said it was the teachers decision to drop me. That 's not right. ( XXXX
Delete these Addresses as I have asked before. They are not my addresses and I never lived there before : XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like you to review this account number, status, original amount, and balance. I think it 's not XXXX accurate and remove this collection immediately from my credit report. 

XXXX XXXX XXXX Start investigating the following : opening date, date of last activity, status update, and account status. I know this information may be inaccurate. I need this deleted now. 

XXXX XXXX XXXX Start investigating the following : opening date, date of last activity, status update, and account status. I know this information may be inaccurate. I need this deleted now. 

XXXX XXXX XXXX & XXXX XXXX I am requesting investigation on opening date, date of last activity, and account name. I believe this information may be inaccurate. Remove immediately from my credit file. 

U S DEPT OF ED/XXXX XXXX Begin reviewing the payment amount, status update, account status, and the high balance. This information may be misleading. Immediate removal of this item is required of you. 

U S DEPT OF ED/XXXX XXXX I need the following investigated : payment amount, status update, account status, and the high balance. I believe this information may be inaccurate. Please remove for violating the FCRA. 

XXXX XXXX XXXX Start investigating the following : opening date, date of last activity, status update, and account status. I know this information may be inaccurate. I need this deleted now. 

XXXX XXXX XXXX XXXX This collection is in dispute because the original amount and the current amount do not match my records. Please delete this item immediately for it 's inaccuracies. 

XXXX XXXX I XXXX This item is in dispute because I believe the date of opening and date of last activity is not a XXXX % accurate. Please remove this collection immediately for its inaccuracies. 

XXXX XXXX I XXXX I would like you to review this collections status, original amount and balance. I think it 's not XXXX % accurate and remove this collection immediately from my credit report.
Over two months ago, I wrote a letter to Experian, asking them to investigate errors on my report. I have not received a response from Experian in the mail. I also recently wrote a follow-up letter, which has also gone ignored.
Was lied to about the payment and what the payment was. Harassing calls XXXX-XXXX -XXXX+ collection calls. 
Family members began to complain about the harassing calls that came from this company. XX/XX/XXXX I began to answer calls from this company about my debt. Talking with this company I was told that the payment they wanted was a settlement for my account. I talked to Williams and Fudge XX/XX/XXXX about settling my debt and what they would do to my account. They told me since it's a settlement it will clear my account and it would be off. On XX/XX/XXXX I made the payment and was told the payment would post to my account in 20 days and I would receive receipts via email I never got. XX/XX/XXXX more than 20 days after I payed my settlement my account has not been cleared. Instead of it being a settlement like I was told they used it as a payment towards my debt. When I called Williams and fudge on XX/XX/XXXX they said that it was a miscommunication and that it was not their fault my family and I received calls at XXXX-XXXX. when I waited for the time they told me it would take said I waited too long to call and was treated like I was the one at fault
In XX/XX/XXXX/XX/XX/XXXX I was contacted by a company called XXXX XXXX regarding a bill in a name that was similar to my own and used by a previous tenant of mine who misread the spelling of my name. I promptly contacted their fraud department and informed them as well as the name of the tenant who apparently previously had an account with this company. 

XX/XX/XXXX I was contacted by XXXX XXXX XXXX regarding this alleged debt. On XX/XX/XXXX they were notified that this debt is not mine and requested validation pursuant to the FDCPA Section 809 ( b ). I notified them that any additional attempt to collect this debt was in violation of the FDCPA and requested no further communication. This was sent via certified letter return receipt requested and signed for XX/XX/XXXX by " XXXX XXXX ''. 

XX/XX/XXXX I was again contacted by XXXX XXXX XXXX with no requested supporting documents to validate the debt. XX/XX/XXXX I sent them a letter informing them they they were in violation of the FDCPA and that with no supporting documentation I was considering this matter closed. Again reminding them not to contact me unless to provided supporting documentation validating this debt. 

XX/XX/XXXX I was contacted by XXXX regarding this alleged debt. XX/XX/XXXX I forwarded the previous letters to XXXX, they were also notified that this debt is not mine and I again requested validation pursuant to the FDCPA Section 809 ( b ). I notified them that any additional attempt to collect this debt was in violation of the FDCPA and requested no further communication. 

XX/XX/XXXX I was again contacted by XXXX with no requested supporting documents to validate the debt. XX/XX/XXXX I sent them a letter informing them they they were in violation of the FDCPA and that with no supporting documentation I was considering this matter closed. Again reminding them not to contact me unless to provided supporting documentation validating this debt. 

XX/XX/XXXX I was again contacted by XXXX in response to my dispute and was only supplied with a printed copy of a single XXXX XXXX bill but no supporting documentation requested that would validate the alleged debt. 

I have gone above and beyond communicating relating to this in an attempt to address the issue in accordance with the law and all parties involved have failed to comply with the FDCPA which is there to protect people from predatory collection practices like these. 

All supporting documentation will be provided via request.
Fidelity/XXXX XXXX closed my account without notice or communication back in XX/XX/2018. I never received anything! I called the company to try and find out why all of a sudden my card didn't work to find out my account was closed. They refused to give me any sort of explanation or further information. They " re-sent '' a letter ( that I had never received ) backdated XX/XX/XXXX on XX/XX/XXXX, again with no explanation as to why the account was closed other than " in accordance with the terms of your Cardholder Agreement ''. To the best of my knowledge I never violated any terms ; my account was always in good- standing and my card was paid in-full every month and never had an outstanding balance. Fidelity refused to re-open the account or give further information.
1. On XXXX/XXXX/XXXX - It got Credit report from " XXXX " that contain one out of 4 names.

wrong. They told me to contact Capital One Auto finance, who reported that information.

2. When I called XXXX, they me told me that name was provided by Capital One Auto finance and that modification can only requested by Capital One Auto finance only.. 
3. When filed dispute with them, on XXXX/XXXX/XXXX Capital One Auto finance, conveyed me to call their XXXX XXXX 4. I have been have been in communication with Capital One Auto finance number of times, since XXXX/XXXX/XXXX ( XXXX ) including provided them copy of Credit report by Fax ( XXXX ) on XXXX/XXXX/XXXX, as requested by XXXX XXXX of Capital One Auto finance 's president 's office. 
5. When called Capital One Auto finance on XXXX/XXXX/XXXX at XXXX am XXXX, they told me to call again XXXX tel # XXXX. 
6. I called XXXX tel # XXXX XXXX/XXXX/XXXX at XXXX am XXXX, they told me that there has been only one updated from Capital One Auto finance on XXXX/XXXX/XXXX but not for Name issue. Ant that also confirmed that Name in issue was only reported by Capital One Auto finance only, This is very stressful for a person who is 75 years ... .. 

Need your help to provide case #, communication in writing and resolve the issue in few days and not 30 days ... ... ..
I am extremely upset of the way Bank of america has handle my loan. I have submitted all the required documents to be provided a modification. However ; Bank of America keeps asking for documents for a property-XXXX XXXX IL XXXX. This property does not have to do anything with the property I am trying to modify. Which is- XXXX XXXX IL XXXX. Bank of america is prolonging my case making me fall more behind. Bank of America never offer me a settlement either. At this point I dont know what else to do because like I have mention Bank of america keeps asking for documents for a property - XXXX I have explain Bank of america that I only co-sing for my son for the property XXXX. My son is the one who pays the mortgage for that property I am trying to safe my property XXXX. My intentions are to keep my house and to become current with my mortgage once again.
There is line item, after line item, linked to my credit history that belongs to my former spouse. For example : filing for bankruptcy on a house I never owned, to bank accounts not in my name, credit cards, among many others, has somehow become attached to my credit history. I just discovered this information in a recent credit report request. It 's never shown up before. Why now? How do I remove this from false information from my credit history? Is this the only site that I can place this information? I am supporting my XXXX children and have suffered from this false reporting. Thank you.
Reported date incorrect original disputed with XXXX XXXX for reporting to Trans Union Credit Agency twice XX/XX/XXXX and XX/XX/XXXX. With this reporting I was unable to obtain an apartment due to the two yr rule here in XXXX Texas and asked to pay an extra deposit of {$800.00} for an apartment. This debt was scheduled to be removed off my credit XX/XX/XXXX, then the XX/XX/XXXX date showed up and prolonged it. I do n't feel it 's fair I would like to have this debt removed from my credit.
Its not the First time, those credit report act like XXXX and dont respect the right of US citizen, they dont care and update wrong information! 

I did pay off XXXX XXXX $ With XXXX my car loan end of XX/XX/2018. 
I did sent the payoff letter to XXXX XXXX  TRANSUNION as a proof. 

Like always when I contacted them to obtain the update on my report, they dont find anything. 

I send again the letter for an immediate update! Those companies need to respect the law!
WHEN I APPLIED FOR THE LOAN I TOLD THE LOAN REPRESENTATIVE THAT I GOT PAID EVERY OTHER FRIDAY. I WAS NOT EXPECTING HER TO MAKE THE REPAYMENT CONTRACT FOR PAYMENTS DUE EVERY OTHER THURSDAY. SHE DELIBERATELY MADE THE CONTRACT FOR EVERY OTHER THURSDAY. I TRIED TO GET THE COMPANY TO CHANGE MY DUE DATE TO EVERY OTHER FRIDAY AND THEY TOLD ME THEY COULD N'T CHANGE IT. THEY SAID I WOULD BE CHARGED EXTRA INTEREST EVERY TIME THE DUE DATE NEEDED TO BE CHANGED. THEY SAID I WOULD HAVE TO CALL IN EVERY OTHER WEEK TO REQUEST A PAYDATE CHANGE. I WAS BLINDSIDED BY THIS EXTRA INTEREST THAT I FEEL THAT I SHOULD NOT HAVE TO PAY DUE TO THE FACT THE THE LOAN WAS BASED ON FRAUDULENT/INCORRECT/DELIBERATELY FALSE INFORMATION.
In  XXXX , I was unemployed and became past due on my student loan. This information was reported to the credit agencies.  Navient re ports that I was approx. 200 days past due. In  XXXX   XXXX , I submitted appropriate documentation to resolve the past due account which was back dated to  XXXX   XXXX   XXXX . I then enrolled in school in  XXXX   XXXX . I recently contacted Navient to obtain documentation that the account issue was resolved in  XXXX  and became current. Navient indicates that I was not sent a notice indicating that I applied for an unemployment hardship deferment. I have had a difficult time obtaining documentation that my student loans were current in  XXXX   XXXX -todate in  XXXX .     The past due account was reported to the  XXXX  credit bureaus. In order to obtain a professional license today, the state license committee is requiring me to submit documentation that my student loan past due accounts were resolved and have since been current. I have had a difficult time obtaining this information. Navient employees had been rude and have provided incorrect information concerning my accounts. I need to resolve the matter as quickly as possible.     In addition, I would like to know why the back-dated documentation resolving the past due amount did not prevent the account from being reported to the credit bureaus as a negative transaction.
I filed a previous complaint with the alleged Servicer and they have failed to reply. In my inquiry, I stated that I have not received documentation proving that the original promissory note was sold by the original investor to XXXX and then from XXXX to anyone else. I stated that I have submitted various modification requests during this year with no response. I further stated that the {$6300.00} paid directly to XXXX XXXX by the bankruptcy trustee and is unaccounted for on the loans payment history. Additionally, you I provided a copy of a document from the United States Bankruptcy Appellate Panel ( BAP ) regarding Subpoena prusuant to FRCP 45, for an evidentiary hearing and oral argument on XX/XX/XXXX. Loan Background and Status The loan originated on XX/XX/XXXX, with a principal balance of {$310000.00} with XXXX XXXX  XXXX dba XXXX. The previous servicer of the loan was allegedly XXXX XXXX, XXXX. XXXX allegedly became the servicer of the loan on XX/XX/XXXX. A Chapter XXXX Bankruptcy ( Case Number XXXX ) was filed on XX/XX/XXXX and an automatic stay is pending. In a previous response Caliber, failed to addressed concern regarding the payments submitted by the bankruptcy trustee, and they failed to verify that all pre- and post-petition payments were accurately posted to the loan and were reflected on the loans payment history. 

Caliber failed to provide the United States Bankruptcy Appellate Panel ( BAP ) the requested documentation. I told Caliber that I had submitted a loss mitigation application to be reviewed for a loan modification during a conversation with them in XX/XX/XXXX ; however, they claim they did not receive any documentation from me to initiate the loss mitigation process until I filed a complaint the the CFPB, and finally received documentation for a loss mitigation application package on XX/XX/XXXX. Now they claim that additional documentation is required, so they advised of such required documents which have been addressed and remitted and I am waiting for a reply. For additional information or clarification regarding the required documentation, they asked me to contact their Single Point of Contact ( SPOC ) Department at the number below. The documents were submitted by fax to XXXX, and mail to their Loss Mitigation Department at XXXX XXXX XXXX, XXXX  XXXX, OK XXXX, by email to : XXXX, or by uploading them through their website. Also they stated if I have additional questions or concerns regarding the loan, to contact their SPOC Department at XXXX. I attach a copy of the BAP Order they have ignored.
This account is reporting as an identity theft item. I never opened this account with XXXX XXXX. Please help me in getting this account removed from my credit file.
I received an offer through CitiBank for XXXX XXXX XXXX miles for signing up for their CitiGold Checking Account and fulfilling certain requirements. I went through the necessary steps, speaking with their customer service representatives to ensure the account was correctly setup and qualified. I was assured it was. Upon completion of all their requirements, I did speak again with customer service to confirm with them that all requirements had been fulfilled and would be granted the promotion. The customer service representative confirmed for me that all requirements had been fulfilled and I could expect the promotion miles to be credited in my XXXX XXXX miles account on XXXX XXXX, 2016. On XXXX XXXX, 2016 I had not received the miles. I again contacted customer support, at which point they confirmed yet again that all requirements had been fulfilled. They then said to expect the miles by the end of the business day but opened a service request to ensure that this was being done and I would have a response from them in 24-48 hours. Today, XXXX XXXX, 2016 I finally received said response to the service request informing me that I would not be receiving the promotional mileage because " there was not an AAdvantage Mileage promotion offered in conjunction with the opening of your account. '' This has been a very clear bait and switch, particularly after numerous attempts to confirm with their team that the offer had qualified.
A 'stop-call ' letter was provided to the debt collector, but they continue to call.