WillisBack/dataset-financial-user-claim huggingface dataset:
I am going thru a loan modified with ocwen, their attorneys and " commissioner '' are harrasing me with 12 letters and certified letters demanding access to my property to access for immediate auction. I have called ocwen, now for the second to clarify the auction threat. At this time ocwen confirms they received my package on XX/XX/XXXX, but have not reviewed as of yet, so they have no scheduled sale. This the second time the ocwen attorneys have made this bogus threat. I had to schedule a meeting with someone otherthanmy case manager to get an update. My case manager available on XX/XX/XXXX but have meeting XX/XX/XXXX @ XXXX. due to judicial malfesience affecting a lien on this property, filed by myself, I think both sets of attorneys are ganging up, illegally pushing for this foreclosure to go thru. In hopes I will be unaware of my rite, and will surrender. I left an extended message with the ocwenz attorneys " commissioner '' and have not gotten any response back, his threat of accessing my property is for the XX/XX/XXXX. As with the 1st time, I was not informed INA timely fashion as well as being told, not asked to property access.
XXXX XXXX XXXX Bank issued [ 4 ] XXXX with identifiable event codes for the following accounts : XXXX, XXXX, XXXX, XXXX. Each of the accounts were disputed by me. I neither used, nor benefited from the accounts. On information or beleif, my former spouse opened these accounts without me knowing it. I never once used these cards. XXXX thought otherwise and continued to attempt collections even though I was insolvent. XXXX continues to report these accounts on my credit reports even though the debt has been discharged. XXXX is errant in reporting these accounts and does so four times each month.
Beginning XXXX/XXXX/XXXX, and subsequently on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX, I mailed notarized and certified handwritten letters to the 3 Credit Bureaus. Requesting verifiable proof of the following accounts on my credit reports. Acct # XXXX, reported by XXXX XXXX, unverified late payment. Another Acct # XXXX, reported by XXXX XXXX, unverified late payment, and Acct # XXXX, reported by XXXX, unverified late payment. For 3 months now I have been disputing these items. However, they have failed to provide me with ANY physical documentation or verifiable proof that I requested under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Nor the method of verification as required under Section 611 ( a ) ( 7 ).  Otherwise, anyone could electronically respond with a fraudulent account resulting in an inaccurate credit reporting. 

XXXX and Transunion continues to violate the Fair Credit Reporting Act, failing to provide the verifiable proof I am requesting. Instead, they ask that I submit another dispute only to stall and delay for another 30 days to only reply that the inaccurate information was verified. XXXX however, will not even respond. I called XXXX and they informed me that they were responding through email with the results of their investigation. The problem with this is that I 've never given them an email or corresponded with them through email. So who knows where they are sending my personal information. Even after bringing this to their attention and asking that they only contact me through mail, they continue to communicate through emails that I am not even aware of. I 'm requesting XXXX XXXX and TransUnion to promptly remove the inaccurate and derogatory information on my credit report under Section 611 ( a ) ( 5 ) of the FCRA since after almost 90 days, they have been unable to provide me any verifiable proof. 

For example, on my credit report, XXXX shows that I am current on all payments and one month later I am 90 days late? Yet, the credit bureaus have done nothing to help resolve these issues. Instead, they have been using third party electronic systems to send an automatic response that things like this are verified. 

Due to their neglect and unwillingness to resolve this matter, I have suffered financially by not being able to obtain credit, and has caused strain on my relationship with financial institutions and mental anguish. I am requesting a settlement of {$1000.00} for each of the accounts that each Bureau has reported deliberately and incorrectly and that they immediately removing and correcting all items within my credit report that they have not veried through physical verification and method of verification in accordance to the FCRA.
I am currently on hold with Barclay Bank. I made three payments over the past 2 weeks. 2 large payments have not been reflected in my account. I am quite concerned that my funds are being fraudulently spent at this point My case number is XXXX. They are missing a payment of {$100.00} and of {$500.00} that were both ACH payments from XXXX. We spoke in depth with the representative from XXXX who gave them the specific info they would need to locate my funds. My money is missing and I am quite concerned. 

I think something unethical and fishy is going on at this company. At this point, they say it will take 7 to 10 business days. That is ridiculous. Here I am a consumer trying to pay down my credit cards. I was in hurricane Irma. I need to buy a car and improve my credit and they somehow low my payments. 

At this point, I 'd like them to credit my accounts. Then I 'd like to close all accounts with them and not have it affect my credit. I need reliable creditors and not ones like them moving forward. They need to be investigated for fraud.
Please see my report OCC filed on my behalf with the CFPB XXXX and the XXXX filled by myself with the same agency I would like this matter dont be achieve and be proper investigate it. 

Citibank is not addressing my issue correctly, Its response does n't show the time of the amount withdraw of the amount of {$500.00} from its report. You said you machine gave me the exact amount that report it does n't show it and I know this Citibank ATM Machine located in the city of XXXX the XXXX I withdrew the money it has Cameras built in as matter fact it has XXXX, XXXX next to mirror and another XXXX below where you insert your card Im attaching picture hereto. Citibank, is denied me due process on this matter to have the proof as I requested Them, If their ATM machines wouldnt have cameras I 'd undestand but my proof shows otherways.They instead choose to denied me as saying " you cant have it '' to me is like steal/take my money based on a general report, I would like to have US regulator to look into this matter to request Citibank to show its proof of the money given at the time when I did the withdraw.
I took out this loan XXXX/XXXX/XXXX loan # XXXX It has been problematic ever since. The dealership made me pay for things I did not need or want which was XXXX XXXX XXXX XXXX XXXX. After reading thru it all again they added on items I did not want and gave me such issues when trying to cancel. They would not email me items requested and said they would not deal with me unless I went in and were so rude. Yes I know when I bought the car I was at the end of a Chapter XXXX that my ex husband was paying off and the court gave me a signed form to get a car loan. The BK is now discharged and paid 100 % in full for almost a year now. But the loan rate is ridiculous and this bait and switch is not what I wanted it took me almost 6 month for them to take off the Gap. They refused to let me cancel extended warranty which I cancelled because already issues with car as AC does not work and they would not cover on brand new car. Also they did have a recall on camshaft sensor but then told me they would not cover. Also never disclosed AC was XXXX which I never heard of and the recharge is XXXX. This car is only a year old and I have had to replace all the cheap tires they had on it. I got the most basic XXXX XXXX and 2 months after I bought dealerships were selling for 15-17K and they charged me close to 30K!! They took advantage as this is the first car I have purchased in over 15 years and the rate is predatory almost 19 % To Date I have paid them XXXX and only XXXX has gone to principal. I requested an APR reduction as because of this I am so upside down on this loan and they received XXXX from dealership from insurance but they would not let me cancel the paint or oil changes they charged me for and never have time to do. So to date I still owe XXXX and looking at this they have payments all only applied to interest. The XXXX they applied to principal. The car is worth 10K max and I have had so many issues and XXXX made promises they never kept. I am being completely ripped off and even with better credit I can never refinance because I have been lied to on this loan. XXXX is too much to pay a month for this XXXX car that after 16 months have had to replace tires/brakes camshaft/AC I cant even afford to fix and if they told me it took the XXXX and cost I would have never purchased. My XXXX company car never took that I have never heard of it. I stopped contacting XXXX XXXX XXXX because they ignored me and were beyond rude. I have had issues with payments with XXXX XXXX which they did fix and waive late fees but with XXXX going straight to interest I mean if they gave me a reasonable rate this car would be halfway to being paid off instead they are hosing me.
I have sent a certified letter to TransUnion, XXXX, and XXXX disputing a negative item that they are reporting on my credit report from XXXX XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX XXXX XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which TransUnion, XXXX, and XXXX failed to do, only sent me a letter saying the account was verified.
I have a Best Buy credit card with Citibank as the underwriter. Citibank has sent notices that state they are charging a late fee of XXXX $ despite the CARD Act 2009 that clearly indicates late fees can not exceed XXXX . I have told them this repeatedly but nothing has changed. Furthermore, I have been told that they are removing my late fees only to later find that the late fees have not been removed and Citibank then charges me another late fee on top of the previous late fee. This deception and fraud has been going on since XXXX XXXX
I've financed a car with PNC Bank for 5 years now. This year the car was scheduled to be paid off. Being in XXXX Florida I was affected by Hurricane Irma in XX/XX/XXXX. PNC Bank and FEMA partnered together on a program to offer their clients within the specified disaster area a way to assist them with any hardships the Hurricane may have caused. I was enrolled in this program which included a 2 month extension to assist me during this time. I do not recall filling out any documentation for this program, and I could imagine there was a good amount of people who were affected. After I made the next payment that was due on XX/XX/XXXX,  I was told by one of the service reps at the bank in XX/XX/XXXX that I qualified for an additional 2 month extension. I was offered a 1 month extension by the service rep at PNC Bank. Then she mentioned that I actually qualify for another 2 month extension and if I wanted to enroll. I accepted her offer for the XX/XX/XXXX and XX/XX/XXXX extensions. At this point I thought the bank was going above and beyond to assist me and provide extra support. I was never told by the rep that their offer to me was not approved and that there was a chance it being rejected. I did not make my XX/XX/XXXX and XX/XX/XXXX monthly payments due to the fact that I was being offered the two month extension. On XX/XX/XXXX I  heard a loud noise outside my window of my condo and there was a tow truck repo taking my car. I wasn't given any call prior to this explaining the Bank made an error with providing the extensions to me and if I was able to make the XX/XX/XXXX and XX/XX/XXXX payment. I was told by the bank after the fact that I didn't qualify for the 2 month extension because I was over my payment extension limit for the life of the finance. But I did still qualify for a 1 month extension. This mistake on the Bank 's part should have not resulted in the repo of my car. If I was given the right information or notice about this I would have made the payment so that the bank wouldn't have taken my car. I was told after the fact the bank sent out a denial letter. During the month of XX/XX/XXXX I moved to a new place and never received the letter in the mail.
on XX/XX/2018 i made a minimum payment to my XXXX   XXXX XXXX credit card for my XXXX payment of XXXX. on XX/XX/XXXX i made another payment to the same account for XXXX payment of XXXX. on XX/XX/XXXX i went to make a payment and they stated i was passed due for XXXX. they took both previous payments that where made and applied them as one payment for XXXX even though they were made 24 days apart. They then stated i never made a XXXX payment and hit me with late fees and possibly reported this to my credit. i made multiple calls and the customer service department continued to hang up on me and put me to collections department. This department told me if i did not make a payment then i was not able to speak with customer service at all. i then made yet another payment to try to get some resolution with customer service who continued to disconnect the phone call.agents i spoke with XXXX # XXXX XXXX # XXXX and 3 more who just hung the phone up.
I have requested validation of the late payments for my student loans with XXXX and US Dept of Education on my credit report. I received deferments and forbearances, which all were back dated. The FTC advisory opinion interprets Section 623 ( a ) ( 2 ) of the FCRA as how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. The late payments do not reflect my in school status.
Equifax already deleted the account in dispute. Now it's reinsert and they even changed the delinquency date to current so that they can have there for longer
I have disputed XXXX with Experian that I do no have a balance owed on XXXX XXXX XXXX, acct XXXX .... I submitted documentation to Experian that I have sent certified mail via USPS to address on file with Experian and creditor, XXXX XXXX REFUSED deliver usps tracking number XXXX. I then asked Experian to delete item from my credit report as unverifiable, but Experian has once replied This account is scheduled to continue on record until XX/XX/XXXX. This item was updated from our processing of your dispute in XXXX XXXX. I do not owe this creditor. The creditor is unwilling to verify any balances with me nor accept any correspondence from me attempting to do so. I also supplies Experian with a letter from my attorney demanding that XXXX XXXX remove all negative reporting until we are able to verify account. Experian blatantly ignored my request. I asked that Experian provide me with how they are obtaining this verification from creditor and that too has been denied. This creditor updates my information randomly with inaccurate information effecting my daily credit scores.
I received a letter from Ally Bank indicating that I had an account with them and releasing their privacy practices. It even gave the last XXXX digits of the alleged " account #. '' I do not have an account with Ally Bank, nor does any member of my family. It appears that Ally Bank is trying to " trick '' people into visiting its website by making them think they have an account there.
The CFPB and XXXX States, including mine ( Utah ), brought an action against OCWEN and got OCWEN to agree ( XXXX XXXX ) to their {$2.00} XXXX penalty settlement, and their written promise to not perpetuate any court action against any home in which they had filed falsified ( robo-signed ) titles with the county recorders and the courts. OCWEN identified me and my home as one of the victims of their illegal action and paid me {$1100.00} in XXXX XXXX. In spite of that payment and their promises contained in their settlement, OCWEN hired their XXXX attorney in XX/XX/XXXX who perpetuated their fraud before both the local state district court and the federal court in Utah, and finally got me evicted from my home this past XXXX. This after me on my own legally battling them since XXXX XXXX against their illegal acts. They are now getting ready to perpetuate some more their crime against me and my home ( that sits deteriorating and vacant with their lock on it ) in the Utah XXXX XXXX XXXX - that is if they can find a lawyer stupid or crooked enough to take them on as a client ( they have gone thru XXXX lawyers so far ). What can the CFPB do to help me to enforce the settlement agreement that OCWEN is actively violating against me? The past XXXX Attorney Generals in Utah ( XXXX of which are currently awaiting trials for felony criminal charges themselves ) have denied in writing all my multiple requests to even investigate OCWEN, let alone prosecute them for their past, current and active felonies - felonies that stand as un-refutted in the record of my state court action. It appears OCWEN only got this far in their action against my house because of judges who do n't do their duty and ignore the evidence.
XXXX student loan was Paid off and never late it was in forbearance XXXX XXXX XXXX XXXX paid on time and never late it was in forbearance XXXX XXXX   Im paying back on time and its still reporting me late I want the student loan people to stop reporting me late and remove all latenesses I was never late. when I tell them to remove it they said well its not on us call the credit bureaus.
I contracted Transunion so they could correct my balance on my XXXX XXXX CC for the Month of XX/XX/2018. I provided proof and they still have not corrected it.
I believe I complained about XXXX, TransUnion & XXXX but now there is more. Short overview. I sold a house XX/XX/2018. XXXX XXXX reported it to all the credit bureaus which they deny & arent even trying to correct this & help me. Their credit reports they made about me has proof that I no longer make payments. But instead of them seeing I no longer make the automatic payments anymore they are saying I am now 3 payments delinquent on this account I no longer have. They are ruining me. All they do is lie to me & say they cant help me. I have a letter from XXXX XXXX showing a XXXX balance. I saw a document on one of the bureaus that stated I have a XXXX balance with them but yet that same bureau shows I owe XXXX XXXX over {$58000.00}. 
I will enclose my letter from XXXX XXXX that states I owe XXXX.
We have tried to work on getting our FHA backed mortgage loan on track with Wells Fargo for the last six years and we can not figure out why they ignore us and refuse to help. We fell behind due to Hurricane Sandy and some financial issues. I gave Wells Fargo {$110000.00} to get caught up on my mortgage, but after they took my money, they advised that I owed them another {$41000.00} for escrow shortages and refused to bring our loan current. Also, since that time our loan has never been formally reviewed for mortgage options, even though I have complied with every request they made for documents, information and forms. 

There is also the issue of loan fraud that occurred when we refinanced our mortgage. Although we did not take out a penny from our equity, our mortgage loan balance increased over {$120000.00}!! We could never get them to explain why our loan increased and they basically stole the money from us. 

We can afford a reasonable mortgage payment, but Wells Fargo has just kicked the can down the road and now we have a sale date scheduled for XX/XX/2018. We have had a rotating series of single points of contact, but they never stick around long enough to finish the process and we have had to start over constantly. We feel that Wells Fargo is just a foreclosure machine and will take our home away and collect the money from the government since it is a secured loan. We make plenty of money to resume our mortgage payments and want to spend the rest of our lives in our home. Wells Fargo is a horrible and greedy company that has completely squashed us and our spirit. 

It should not take six years to get a formal review of mortgage for assistance options. Now Wells Fargo is basically telling us that there are no retention options available to keep us in our home. We need help to get them to do what is ethically the right thing to do instead of making us homeless.
I have contacted  XXXX  via phone and the internet to request that you remove the following unauthorized inquiries from my credit report :   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX    ( 7 ) Va rious Dates  XXXX   XXXX   XXXX   ( 2 )   Various Dates   XXXX    ( 2 ) Various Dates So you explain to me that this inquiries are factual in which th ey are not. I have attached a copy of the letter that I have sent directly to the creditor disputing their reporting.       I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time.     I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Afni is currently furnishing innacurate information about me to the the consumer reporting agencies. I have requested full documentation from AFNI of proof that this account belongs to me and they have not done so in the required time limit. I also have repeatedly asked AFNI to provide me their right to collect this debt. This account does not belong to me and I am requesting them to cease all collection activities and remove this negative reporting from my credit files immediately or I will file a legal suit for damaging my credit rating. This is the 4th attempt to get AFNI to comply and they have willful not complied.
This is reference to a CITIBANK Add-On card ending .... XXXX in the name of my daughter that was stolen on the evening of XXXX XXXX US EST. Soon after it was stolen, 5 transactions were carried out [ using this card ] at a nearby store in XXXX, even without using the PIN. The amount was close to USD 5000. The card was blocked immediately following the transactions. 

My daughter filed a complaint with the XXXX Police, informing them of the theft of the card. A copy of the complaint number is attached. Also attached in the XXXX and a detailed copy of the police report. 

Thereafter, I had spoken to executives at Citibank confirming the theft and the nature of transactions performed. I was informed that the transactions were now being considered 'disputed ' and a decision to this effect will be taken. 

Have being speaking to the executives on multiple occasions with no response. The amount is still shown to be outstanding in my account.
I have recently obtained a copy of my credit file and there are many mistakes in my report. 
XXXX XXXX MERCHANT - XXXX : Unverified account XXXX CALIFORNIA XXXX XXXX : Unverified account