WillisBack/dataset-financial-user-claim huggingface dataset:
The ordeal with Ocwen continues. I called Ocwen this past Friday to ask for the status on my claim : i.e. pending delivery of my closing documents such as stock certificate, proprietary lease, promissory note, loan agreement among others to be delivered upon completion of loan payment. 
The representative who answered the phone ; XXXX, after placing me on hold for a few long minutes to research his system, indicated that there was nothing pending. There was no request for the closing documents anywhere in his system. 
When I indicated that I had received communications from XXXX and XXXX that they were expecting to receive the documents by XX/XX/XXXX ( day of my call ), XXXX did n't know who XXXX was and said that XXXX was at a different office. However, when I asked for his direct phone number, XXXX realized that XXXX indeed worked in the same office and transferred me to him. 
XXXX indicated that he did n't have any updates and that he would call me by Tuesday ( today ) to let me know where were them on the receipt of documents. He also said that they had hired an attorney to go after the documents from XXXX XXXX. 
When asked what had taken them so long to go after the documents they know or are supposed to know that they needed to deliver to me, he had no answer. 
How is that almost a year after the loan has been paid off, and Ocwen did n't know who the real owners of the loan are, who was the management company, etc. 
If I did n't state this on my last response, they would 've kept going after people I do n't even know. 
I strongly request that Ocwen release the closing documents they need to provide me upon receipt of full completion on loan payment and advise me when am I to receive them.
I have disputed a medical collection appearing on equifax report since XXXX 2016. The issue is this account was paid in full to original creditor which is XXXX Louisiana XXXX hospital. Equifax is not properly investigating my complaint and is returning to me the same result of " Collection Account Paid in Full. '' This is unacceptable. The collection agency is dishonest and equifax is not doing due diligence on behalf of consumer.
I took out a loan with Big Picture loans for a total amount of {$600.00}. I received the funds on time with no problems. Then when it came time for me to have the funds taken out for payment for some reason on THEIR end they suddenly do n't have the correct bank account information??? And now I am being charged extra fees on top of the original agreement with no communication or knowledge of why I have the extra charges. So essentially I am being penalized for THEIR mistake!!! I have asked for a letter in writing describing the reasoning for the charges. So I do n't know if they will respond? Please help!!
COMPANY COLLECTION LAW FIRM WILL NOT REPLY BACK AFTER TRYING TO RESOLVE OUTDATED DEBT IN GOOD FAITH AND OR " XXXX '' SETTLEMENT ... AND 2 OTHER COMPANIES ASKING FOR SAME DEMAND OF PAYMENT ... VIOLATION " FDCPA AND FCBA '' ...
I have tried to work with the Credit Bureaus more than once, i have sent several attempts to ask for proof of validation of accounts and they have refused to provide me with Proof. The law states that they must provide with proof if they can not they must delete from my credit or update what needs to show properly on my credit and they fail to do so. I tried my best to work with them but they are not being fair and not following the LAW. I have been trying to work with them Since ( XXXX/XXXX/XXXX of this year that is a total of 4 months of this going on. ) I ask CFPB to help me look further into this matter.
The credit card company XXXX XXXX, will not remove late payment history mark. I setup automatic payments, and they will not admit the error was on their part. I never canceled automatic payments, because I am a XXXX XXXX, and XXXX often. I have called and talk with numerous people. However, they will not remove. I was XXXX from XX/XX/XXXX - XX/XX/XXXX. They reported a late payment in XX/XX/XXXX and will not remove, due to an error on their part.
SCAM!!! 
A friend and I received a call from a " debt collector '' at XXXX. It was a recording that gave a callback number to pay the " debt '' and a woman 's name. I felt responsible to report them to warn other people and hopefully stop anyone from calling and becoming victim to it.
Ocwen 's letter dated XXXX XXXX, XXXX CFPB case # XXXX responded that they acquired the loan from XXXX XXXX/XXXX/XXXX and that loan originated XXXX/XXXX/XXXX by The XXXX XXXX XXXX. Ocwen further stated that they had mailed 'on numerous occasions ' copies of the stock certificate '. They also stated that original documents were kept by the owner of the loan or trustee for the owner of the loan and that Ocwen did not have the original documents. 
Ocwen in the same letter attached a copy of a pooling and servicing agreement between XXXX XXXX and XXXX XXXX XXXX XXXX listing XXXX XXXX as the investor. 
However, in his latest response, they are now stating that they are issuing an affidavit of Lost stock and lease (? ) How is that possible if they were saying that all they had were copies and original documents were with the owner of the loan (? ) investor?? 
The pooling agreement Ocwen mentioned in his letter above, was never part of his files. Records obtained from Ocwen which included over XXXX pages of documents included no such agreement. Instead, copies of XXXX affidavit of note lost was included which had been transferred to Ocwen as part of the servicing transfer. Multiple associates established the same conclusion. Also, how is that Ocwen produces a pooling agreement between XXXX XXXX and XXXX XXXX XXXX Bank when neither one of them had been part of the Co-Op conversion nor, again, of their files?. Furthermore, Ocwen first refers XXXX XXXX as the property management and then as the investor. Investors, as far as I have been informed DO NOT get the original loan documents,,, the loan owner gets it and the banks are required to keep them in custody. 
Per document attached. A record of events as recorded by Ocwen, they did have the collateral file, reviewed it with investors and then returned it to XXXX XX/XX/XXXX ( custodian ). Why did Ocwen state then that they did n't have the collateral documents and why are they now issuing an affidavit of loss documents? if, again, they originally stated that original documents were never with Ocwen (? ) Why did they return the collateral files to custodian and then claim that they had lost it?
Me and my wife purchased a vehicle through XXXX XXXX XXXX back in XXXX of 2016, and when my wife filed a Ch. XXXX, it did not affect us making our car note payments on time ; however, because my wife filed a Ch. XXXX, BBVA will not allow us to make our car payments on line. 

We pay BBVA on the phone, but for the last two weeks, we have being trying to pay our car note, and their recorded message tells us to leave a call back number, and a representative will call us back ; but no one has called us back yet. 

BBVA has made it very difficult to make payments to them, and you would think it would be just the opposite, all we want to do is conveniently make a car note payment. 

Just because my wife filed a Ch XXXX, should not stop us from been able to pay online, they treat us as if we are a second class citizen, because of a Ch XXXX that did not even affect us paying them!
XXXX XXXX  sold the store card to XXXX XXXX XXXX XXXX. I called. XXXX XXXX - XXXX is their number I called XXXX XXXX  who claimed they had this account and was sold to them. I need XXXX XXXX to comment on this account that it is settled and paid in full. It is not a charge off or collection. Remarks need to say please, or comments settled and paid in full. Thx. XXXX XXXX
The last time I went to  this dr my b ill was paid in full. They also charged me too much money and gave me the remaining balance back. They also charged me for xrays that were not given. This matter I thought was dealt with. I want all bills and payments showing this is owed. I also had insurance. They messed up every time I went in there. I do n't owe anything to  this dr . I am paid in full every time I seen this dr ( co   payment ). You have to pay any amount due otherwise they wont see you. I do n't owe anything. I want this removed from my credit file right away.
Early Warning Services LLC has refused to properly, legally, completely and accurately validate these alleged accounts that were placed on my consumer profile. I have attempted several times over the course of 3 months to obtain proper documents for these adverse accounts but Early Warning Services LLC has refused to comply with the 30 day timeframe deadline by law to validate these accounts. They did not provide account transaction history, complete account indo, original signatures, photocopy checks etc. They even admired to Not having adequate records of these accounts into which I provided a police report for fraudulent accounts. They have not honored this police report. Early warning services refused to inform me as to how they allegedly validated these fraudulent accounts with XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. Who did they speak to? When? Contact info who supposedly validated these adverse accounts which are preventing me from opening accounts with other financial institutions. Furthermore, these accounts do n't bare my complete name. Early Warning Services LLC is defaming me and this is illegal. They refuse to comply with the law. I am violated as a consumer.
In  XXXX  I attended  XXXX  College. The loan amount of {$2000.00}  ( l isted as {$1700.00}? ) was disbursed on  XX/XX/XXXX . At the time I was planning on being a teacher. This was the only college loan I accepted. The loan was paid early on  XX/XX/XXXX . I received a statement from Fedloan Servicing dated  XX/XX/XXXX  showing a loan balance of  XXXX . Since then I routinely receive notices stating I still owe the {$2000.00}. Both my father and I have call ed three times over a three yea r period and confirmed the loan was repaid in full. During each of the phone calls we asked that the notices stop. The periodic notices never did stop. Last week I received a notice that i n three month s Fedloan Servicing will be wanting payments. I do not want my credit ruined because this company is so inept.
I have missed payments listed on XXXX student loans. Each time these so called missed payments have appeared on my credit report, I called the loan department to find out what happened as I was signed up for automatic payments. Each time I called, I was told it was an error in their own system and that the missed payments would be removed. Whenever I tried to call back because the late payments were n't removed, I was told to be patient. I have sent a written request to their credit reporting department, which was denied. I have put in a dispute with the credit beaureus, the results state that the item was fixed, but it still has not been fixed. The missed payments are still there.
I submitted a file to Rushmore Loan Management for a loan modification through XXXX. I also filed Chapter XXXX Bankruptcy to get rid of the arrears of the loan. Rushmore is trying to recoop the arrears which I do not have by paying upfront funds of {$8000.00}. They have also given me a sale date and a modification which is duress. I can afford the {$1200.00}, but the upfront funds of {$8000.00} I do n't have that is why I filed bankruptcy. The sale date is scheduled for XXXX XXXX, 2015.
This collection agency contacted me about a debt. I questioned the amount they were telling me and am willing to work something out, but not at the amount they said I owe. They then mentioned that they are going to garnish my wages, take me to court and that they guarantee they will net a better return than trying to work something out. They also intimidating adding that because they are in XXXX and I am in XXXX, they can have someone within arms reach in a matter of hours. They also spoke on me owing the state of XXXX a huge sum of money, which is not true. They insinuated they have connections in XXXX that will know where I am at any time of the day. I feel threatened and uneasy about the conversation that took place. I mentioned that I want to come to an agreement, but the amount they said is not what I owe. The representatives I spoke with are XXXX and a XXXX or XXXX.
On XX/XX/XXXX I was routinely checking my credit score on XXXX. Much to my surprise my over 800 credit score had dropped by 45 points in a matter of 9 days due to a derogatory account on my credit report. Immediately I contacted XXXX  and Equifax to have the account removed. I have also contacted the company, XXXX, via phone without appropriate resolution. Now I have decided to send certified mail and requested receipt to the company demanding immediate action. Letter is as follows " I am contacting you in writing to address a collection placed on credit report in the last two weeks. I have not received a bill regarding this collection. Previously I had received bills for a visit for my daughter going to the ER and payments have been made. Please provide proof of the account and historical payment history to document account is 1. Delinquent 2. Length of Delinquency 3. Total balance owed. I would like to swiftly resolve this matter and requesting XXXX to remove the debt, derogatory condition, from my credit report immediately as it has negatively impacted my over 800 credit score. '' From my credit report the account was opened on XX/XX/XXXX and reported to credit agencies on XX/XX/XXXX. What are consumer rights to address collections? What about accounts making more than the minimum payment required?
Ten years ago I was laid from my 25-year job. Since then I have been unable to make payments easily. I already went through all of my 401k to try to keep my place. I just make enough to pay my bills, little else. I had my mortgage and a home equity loan through Citibank. After 10 years, apparently I have to start paying the principle on the home equity loan which I was unaware of. My payment went from about {$300.00} to $ XXXX+. I have continued to make the {$300.00} payment but that 's all. I do not make enough to refinance or get another loan. The payoff on my place is about $ XXXX. When I started to see if I could be considered a " hardship case '', they did a property assessment of $ XXXX. One letter told me they would " suspend Foreclosure proceedings '' while they determined if I could qualify for a loan modification. Three+ months later ( this week ) they denied me. I can never get through to anyone and no one returns my emails. I had to file bankruptcy so my Citibank Mortgage loan was sold to XXXX XXXX/XXXX. They do not give you any information on your statement, and make you wait forever to get through, and then you are transferred to the " Bankruptcy Department ''. But it is very difficult to talk to anyone because my Home Equity Loan is no longer tied to my mortgage loan at the same company. I usually get transferred about 5 times, and then they end up transferring me back to the department I started with! Most of the time, they just answer " No one is available to take your call. Call back later ''. One person I spoke with said I was never in Foreclosure status, so who knows.
I was attending XXXX XXXX XXXX and was granted a Student Loan with XXXX XXXX XXXX in XXXX. At one point I was late on making a payment. This account with XXXX XXXX XXXX was transferred, closed with a {$0.00} balance. This is how it 's reporting on my credit report. I 'm currently paying off this original student loan with XXXX and have never been late with payments. I contacted XXXX XXXX XXXX in XXXX and XXXX and requested the negative remarks ( late payment ) to be removed from my credit report. I was told via secured email that the account will report accuratly and the negative remarks will be removed from credit report. However, this never happened. I filed a dispute with a credit agency, Experian in XXXX of XXXX and provided a letter stating that I completed rehabilitation program for the student loan, currently making automatic payments to XXXX and never missed one payment in 2 years. I also provided email communication between XXXX and myself stating that they will remove negative remarks from credit report. XXXX replied to credit bureau, Experian stating that the account is reporting correctly since I was late when I had the active account with them, even if my account with them is currently closed, transfered with a {$0.00} balance.
I believe this account to belong to my father who is a XXXX and I am a XXXX as I have not lived in that state or town since 2011
I had a balance of roughly {$2000.00} in my XXXX XXXX. The XXXX was suddenly closed several months back ; I have not been able to log into the XXXX XXXX for several months nor have I received any compensation for the balance that was there. I have attempted many times to contact XXXX customer service regarding the issue and they have not assisted me at all.
In the wake of the Equifax hack, affecting 143million accounts, I have attempted to place a credit freeze with all three major credit reporting agencies. I have gotten a busy signal multiple times or their site has been down. It is unacceptable that I can not place a security freeze on my account because a company valued at > $ 1billion can not accept calls ( nor keep its personal data secure in the first place ). These attempts at a phone call or website access have taken place multiple times from Mon ( XX/XX/XXXX ) to Weds ( XX/XX/XXXX ).
This Problem Goes back to a credit card with Chase Bank dated back to 2014 in which I had credit card protection to cover more than the Balance on due on the credit card.

Chase has a big Problem Honor Credit Card Protection. But they like removing from your accounts through auto withdrawals. after months and months of added interest and arguments and harressing phone calls frim Chase collection and destroyed credit, they finally sent me a check small one to cove hal the balance no the full balance. because it was interest they accrued alway argueing with me not resolving. Chase loves to sell the insurance polices back in the day and if you really do some home work Chase Bank has really hurt many people financially with these insurance policy. Chase sold then and claimed XXXX they had no Financial responsibilty for them when the money went through thier bank and distributed to  insurance company every 4 weeks, earning interest of every one else dollars. 

On XX/XX/2014, Chase was being very difficult I decided to take them on myself, I fiked a small claims action sc XXXX and the Judgment was found in my favor of Me including some legal fees and expenses, then hired an attorney to read the aggreement betewwn Chase and myself. The agreement would state that once received the money for the judgement frim J. P Morgan Chase Bank. that all the trade Lines ( credit lines ( XXXX, XXXX, & XXXX ) would be removed/ cleared that to the credit crds all social security numbers which were given to XXXX XXXX on XX/XX/2014 @ XXXX ) emailed XXXX. I have confirmation that XXXX XXXX to the credit Bureau, XXXX stated it would take 7 to 10days ( XX/XX/14 ) @ XXXX XXXX. and XXXX was going to verify this information. 

I went and vacated the Judgment against Chase Bank.. Today the Executive Office ( XXXX ) was rude with me regardig the XXXX application stating it was not my credit, it was a rude statement and it on all on my credit reports. from 2014 from Chase Bank and this is exactly it. which clearly states it is all to be removed and not to be on credit reports, or to be connected. 
the is what I am stating that Chase. is playing all t he time with people, they have the monolopy on the credit cards, so this has nothing to do with me my credit. this has to do with Chase Bank discriminating against me due to the fact they lost I won, which is actually., I paid for fully for emergency insurance. Chase Bank just does not like to Lose and money or interest, consumers work as hard too. If you believe in your heart your correct keep moving forward.
This account I have disputed but it appears on my file still. The original dispute took longer than 30 days for the merchant ( XXXX XXXX XXXX ) to respond. It has since been on my credit longer than 7 years. The company keeps changing the dates which extends the date that this should fall off.
At the age of XXXX years old, due to my poor decisions in terms of agreeing to take out private loans, and my inability to pay them when I was supposed to pay them, I now currently have XXXX lawsuits against me. XXXX is for a credit card, totaling the amount of XXXX dollars of which I had used to pay off some student loan debt, and the other for the XXXX student loan in the amount of $XXXX dollars. These lawsuits have essentially ruined my credit, have placed me in an impossible position to receive any form of refinance from any lender to lower my outrageously high interest rates with XXXX and ACS. I honestly believe that these XXXX lenders are ruining the lives of XXXX of borrowers. They are in my opinion the definition of unconstitutional and illegal and should be ashamed of their deceptive and manipulative practices. They have preyed upon thousands of young people and have placed us in a terrible predicament. Their business practices are downright sneaky and misleading. I recently spoke to both ACS and XXXX today and told them that I was filing bankruptcy due to my poor financial situation. I have been working with XXXX these lenders now for several years and it wasn't until I did a lengthy amount of internet research that I found a number for XXXX that allowed me to speak to a woman named XXXX who offered that I enroll in what is called their "interest rate reduction program." This program has NEVER been offered to me before. Every time I have called them, I am given the run around and connected to different lines and even hung up on. XXXX however was very helpful and did an over the phone application with me to see if I qualified for this program. Unfortunately, she told me that I did not qualify because I make too much money. This is almost comical considering I make XXXX dollars a year, live at home with my parents and have an insurmountable debt totaling XXXX, XXXX of that being student loans.
I am not claiming to be a mathematician by any means, nor do I have my degrees in that either, but these numbers don't add up to me. Do I essentially have to be living on the street, without any form of income, and no food in my stomach to qualify for any form of relief from these lenders? After this discouraging conversation, I got on the phone with ACS and was literally laughed at. The woman who I spoke to was literally laughing when I told her I was filing for bankruptcy and was requesting to have my interest rate lowered. It had taken me well over half an hour just to locate a feasible phone number for this lender because every number posted on their main homepage brings you to an automated recording and doesn't give you the option of speaking to a human being. After speaking with XXXX lenders, I have unfortunately made the decision to file for bankruptcy. Never in my wildest dreams did I think that I would ever be in such a position because of education. I know it is very unlikely I will be able to have my student loan debt discharged in bankruptcy, but at this point I am willing to go in front of a judge and roll the dice because I am all out of other options.
Portfolio Recovery Associates decided to reinserted NON VALIDATED information back on my credit files, with all bureaus. They could not provide me with the proper VALIDATION of said debt. They could not provide me with a contract or promissory note with the ORIGINAL said debtor signature. They removed it back in XX/XX/XXXX and today I got notification that this negative information has been reinserted on all credit reports. 
I did NOT receive 5 days notice that they were going to reinserted this NON VALIDATED said debt, and that there is against the law. 
I have not heard from this company since XX/XX/XXXX of this year.