WillisBack/dataset-financial-user-claim huggingface dataset:
This is the 2nd time I have applied for a loan modification from Ocwen. I also applied when my loan was held by the company before them. The sole source of income to pay the mortgage comes from the rental income received monthly. Unfortunately, since the day I purchased the house the market dropped. I am not able to sell the house for a price that would get me clear from the loan. The market rents have increased over the past few years but the rent doesnt cover the mortgage, the taxes and insurance for the property. I have struggled since the day I bought this property. I am beyond frustrated and feel that the lender is holding me XXXX because of the 8.625 % rate that is accruing on my adjustable rate mortgage loan. I know Ocwen Loan Services can make the numbers work for me and them if they would legitimately follow the guidelines of this program. I know that the Loan Modification was made for people like me who were victims of these mortgage brokers out for a payday. I know that I meet now, and have always met the criteria required of the Loan modifications. I need your assistance as soon as possible to get the Ocwen to help me lower my interest and my payment so I can afford my mortgage payment. Without your assistance, all the paperwork Im sending to them for this modification will go in the trashcan. To date, they do not respond to any of my questions they just continually keep asking for more and more documents. They wont return my calls but after they say they have everything that is needed nothing changes and they ask for everything all over again. I have been going through this run around for over three years. Please help, I was able to get my other mortgage company to do a modification on my other loan. I appreciate all your help in advance and look forward to your assistance in this matter.
RGS Financial apparently bought debt from XXXX XXXX on an account that was not mine. XXXX resolved this a long time ago by saying in writing it was not mine. RGS and XXXX keep trying to collect from me. RGS is based in Texas but uses an XXXX XXXX, CA phone number and call my business line. This is very disrupting. I am asking that you get this issue resolved with both XXXX and RGS. RGS Financial XXXX XXXX XXXX, XXXX TX  XXXX XXXX.
I have the Rushcard and been locked out of my account, been hit with late fees on numerous bills, no food, no access to my money since XXXX XXXX. My rent is due this week and have no access to my money ....
A credit card recovery firm obtained a Levy at the county level in NJ, and seized all of my savings in a joint savings account for an old credit card debt that my wife had before I met her WITHOUT ever notifying either of us, The money was simply withdrawn from my joint savings account without ANY prior knowledge, no opportunity to dispute the charges or negotiate payment terms whatsoever. I was never notified of a hearing or a judgement. This while my wife and I were actively paying down her debts and already improved her credit enough for her to finance a new car. The county gave this creditor preferential treatment and simply allowed them to take all of our savings. Be aware, your money is safer in your sock drawer than in any FDIC insured savings account.
Experian 's XXXX., He said his name was, said that because of the different formulas they use I will get a different score depending on which formula they use. I said that is not my dispute. I said my dispute is the fact that I consistently get between XXXX and XXXX scores from different reports. But when the bank applied, They got XXXX from Experian. I think it is misleading and false reporting for them to lead me into thinking I had an XXXX score or above, and not being able to the score before the bank got it and denied my loan. 
This shows that with too many different modes of reporting, we can not address issues. It is unfair. We are getting blindsided by fax facts that we never knew existed. We should know what are true Credit score is otherwise we are just living in fantasy world. Until we get the score in have to battle back wasting time and effort applying to another bank for a loan because the first one was ruined by a bad credit score that blindsided us.
I have disputed these accounts. They are not charge off or wage earner plan accounts. They were filed in my bankruptcy XX/XX/2010 and listed in the mailing matrix that the US Bankruptcy court has on file. They are reporting Target # XXXX, # XXXX accounts as Charge-offs. XXXX XXXX # XXXX as a Wage Earner Plan. They are reporting false information and should be listed as included in bankruptcy. This has affected my credit.
On XX/XX/2017 a balance of {$400.00} from XXXX XXXX appeared on my Transunion credit report. I am challenging Transunion to verify this account per Section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of the consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and creditors to provide the credit bureau a copy of the original creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.
I have not had an account with XXXX since XX/XX/XXXX. This account was in collections in XX/XX/XXXX. Suddenly, it is being reported as opened in XX/XX/XXXX.
I entered into a financing contract in XXXX for a Honda Civic XXXX at {$470.00} a month with a % XXXX interest rate. In XXXX I inquired with American Honda about refinancing my original contract because my monthly note and interest rate was too high. American Honda finance was unwilling to work with my request. XXXX XXXX after falling behind payments, my car was repossessed with an unregulated GPS tracking system used by American Honda finance. I contacted my local congressman 's office about subprime lending and predatory lending issues I experienced with American Honda finance and received no help from congressman 's office. Recently, my car was sold at {$10.00}, XXXX in a private sale because I was unable to acquire a secure loan for {$17000.00} to retrieve my car from American Honda repossession lot. After the sale of the car, I now have a car deficiency of {$6900.00}. I am a victim of predatory and discriminatory lending committed by American Honda finance.
On XX/XX/XXXX I received a letter in the mail from chase, opened it and realized it was addressed to someone else ( XXXX XXXX or XXXX XXXX XXXX ). However the letter was addressed to my current address and regarding the house my husband and I sold XX/XX/XXXX, but neither of our names are on the letter. The letter is regarding " the amount of mortgage insurance, private mortgage insurance or VA funding ee you paid in calendar year XXXX '' I called chase to request information regarding the letter- Were the names mixed up? Did they send our personal information to someone else? Is this our information under someone else 's name? Will this effect our taxes? 
Chase would not give me any information since the loan was not in my name although my husband has previously authorized me to have full access to this account.
We had Fraud committed against us, by a customer that gave us a fake check, we did not know, of course the check was fake? It was a deposit paid to our business to hold spots for scheduled services. We contacted Chase bank several times while the account was placed on hold and eventually closed by the bank. In contact with Customer Service over the phone and with the Chase Fraud department, we were told to wait seven days and go into a branch and open a new account. 
We went into the branch, the Customer Service rep, called their ( Chase Fraud Dept. ) and got the permission to open the account, we spent about an hour giving our personal info and XXXX forms of ID 's to reopen a new account. The old account that had fraud committed against it, still had funds that the bank was holding, we were told we could fund the account with the funds sitting someplace with the Fraud department at Chase. The CSR of the bank was not sure how to retrieve the held funds so she had us fill out signature cards etc, generated paperwork for the new account. She told us to please wait she needed to speak to her General Manager, to find out where the funds were being held. 
The general manager came back to the office we were sitting in with a horrible attitude, and spoke to us ( myself and my husband ) in a disgusting tone, elevated for no reason. He then informed us that it was his personal decision to not open an account for us, based on his bias and discriminatory attitude towards us. His own department/company and internal processed cleared us for an account, so we can only assume, his five minute decision was discriminatory, biased and racially motivated. In fact customers service over the phone and Chase Fraud department cleared us for an account, prior to the branch customer service rep, spending an hour reopening a new account for us in the branch. 
This Chase Branch Manager " XXXX XXXX. XXXX '' ... Branch manager of Chase at XXXX XXXX XXXX, XXXX, IL XXXX ... XXXX XXXX ... .Fax XXXX ... made his own personal determination, based on our appearance and race, he did not want to hear that we were victims of fraud, in fact he even told us ... '' we are responsible for the fraud that was committed against us ''. We later received an apology from their customer service complaints line, however this individual/organization is not taking any responsibility for his biased actions. We were instructed by his organization to go to a branch, instructed that we got the OK to reopen an account, spend an hour with the branch Customer Service Rep, that verified we can open an account. Signed forms, completed the process of opening a new account. Only to face this blatant, XXXX, discriminatory treatment from someone that should n't be a branch manager, of an institution that depends on public funds to stay in business. We were treated like dogs by XXXX and he 's unfortunately still operating, dealing with the public and apparently running the Chase branch based on his own personal biased opinions.
I have received a statement from a debt collection company for an account I was not aware existed. The company is " XXXX XXXX XXXX XXXX ''. This company states that XXXX XXXXXXXX XXXX XXXX XXXX XXXX has a balance of {$500.00}, to be paid by me ( XXXX XXXX XXXX XXXX. I have not opened or received any credit from this bank or any other bank.
I 've disputed a XXXX debt with XXXX, XXXX, and Transunion more than once this year. I made them aware of the XXXX 's agreement to cease collection. This debt apears on my XXXX credit report through two creditors, collecting the same amount. I would like this debt removed from all three credit reports.
In XX/XX/XXXX XXXX reported and deleted a collection for {$310.00} held by XXXX XXXX which was for XXXX. In XX/XX/XXXX, I returned the equipment which settled the closed XXXX account. I had to jump through many " dispute hoops '' to get it deleted in XX/XX/XXXX but it finally was deleted. In may of 2018, XXXX XXXX reported the same account from XXXX which had been settled and closed. Now I am jumping through hoops again to prove that I ( 1. DO NOT HAVE A CONTRACT with XXXX XXXX and owe them NOTHING 2. HAVE SETTLED account with XXXX ).
Was given a predatory loan by a predatory lender who gave me more than I asked for. I am a senior citizen that attempted to take a small {$25000.00} loan for a new roof. The bank told me to take {$50000.00} as a minimum loan and that it was a no income check. I paid my regular mortgage and this XXXX until the financial crash in XXXX. Then had XXXX and XXXX XXXX in XXXX and XXXX. XXXX recovered, I modified and am current on my first mortgage. This second mortgage is serviced by Ocwen fined XXXX XXXX by NYS for not offering customer assistance to homeowners and to aid them. Their phones rang to nowhere, when people could be reached and made offers others did not have record or honor on XXXX occasion. Mostly it was holding on the phone and being transferred to others who offered no assistance. It kept me in continual distress and hardship creditwise unable to get low interest credit if needed etc. I am current on my larger first mortgage but this loan is in default and I went into negotiation through the courts. The lawfirm did not assist and made me come to many, many meetings and finally submitted a large legal bill thinking it was hourly billing. The judge explained its a fixed fee when they enter court mediation and the lawfirm walked off for years and never assisted after that. A new law firm came in after the statute of limiations had passed and began litigation and is trying to take my home on a 2nd mortgage by quadrupling the amount I requested and doubliing the amount I took, and it was because of them the interest compounded over years not me! 

They never offered the assistance they were fined for by NYS as 2nd mortgage companies were encouraged to do. They are predatory and I am a XXXX who face XXXX hardships, the financial crash and XXXX illnesses. Please investigate Ocwen practices and have them reduce the doubling of my loan so that I can finally have relief from this predatory company.
My mother is in a XXXX for years. Put my name on a discover card in the early XXXX. This was incase I had an emergency due to being a single parent. Someone used the discover card. I had no idea that it was still active. Never got any bills etc. A person has been using it ran it up to XXXX of dollars. I have a fraud alert with my bank this is how I found out. Contacted Discover they sent me the old contract from the XXXX and said I should have closed the account. I did realize it was n't and did n't know someone was using it. It killed my credit by XXXX points. Another family member was using the card and I did n't know it. Signing my mothers name. Again she XXXX and has for years she XXXX. What do I do?
I contacted my student loan agency, XXXX and informed them I was a XXXX. As a result I do not have an income. XXXX switched me to United Student Loan people rather than providing me with an application for income based repayment. United Student loan has used unfair practices to obtain information about me. They are withdrawing monies from my account despite my request for income based repayment. United Student loan is taking money from me despite XXXX informing me of my forbearance. United Student loan is running a scam, in my opinion. United Student Loan has created a hardship for me.
On XXXX XXXX, 2015 I was in an accident where my car was totaled by the other party. The insurance company as well as I have been requesting documents from Ally Financial to send so they are paid. I have called every other day since finding out that car was totaled and what was needed for the insurance company to issue payment. Ally has sent the documents twice with the wrong information which is baffling to me because I was on the phone when the Ally rep repeated the correct amount to the insurance agent. I, along with an insurance representative spoke to a representative for Ally on Tuesday, XXXX XXXX, 2015 and we were told that it could be another week before they receive the proper documents. This alone poses another problem because interest is accruing during this process and my Gap insurance ca n't payout until the insurance company pays and the insurance company ca n't pay until they receive the proper documents from Ally. This has been frustrating and very time consuming with the numerous calls that have been made and the wait times to speak with someone. In addition to the documents being delayed an insurance rep and myself spoke with an Ally representative on XXXX XXXX, 2015 who knowingly lied about faxing documents and saying they would be received within an hour. The Ally rep was caught in the lie when the insurance rep asked her to verify the information and she could n't. This has made me believe that Ally is n't interested in closing out this account and surely not in a timely manner.
I was ordering an XXXX to go home the night of XX/XX/18. I set my location as a XXXX supermarket and I called them to make sure they knew where I was. They told me they know where I am. I saw them drive by the supermarket. There was two XXXX that did this. One of them says I was not charged and the other one says I was charged {$5.00}. However I was charged the full price of the uber on my card. One was {$9.00} and the other one was {$11.00}. I set the right location and called them to make sure they knew where I was, it wasnt a hard location to find. I had to beg the third XXXX driver to not cancel on me and meet me in the same spot I have been this whole time and is the location I set on the phone. I filed a complaint on the XXXX website and have not heard from them since this incident happened. Here are the uber, date and time it was ordered and canceled. 
XX/XX/18 XXXX XXXX XXXX XXXX XX/XX/18 XXXX XXXX XXXX XXXX
I knew that I was eligible to consolidate my student loans, half of which would come due 6 months later ( XX/XX/XXXX ), the other half immediately. I began calling Navient the day after I graduated to set a forebearance on the necessary loans so they would all be due in XX/XX/XXXX, allowing me to consolidate them all at once. Once they were notified of my graduation, they were happy to do this for me. 

Three months later ( XX/XX/XXXX ) I start getting notifications of payments due that month. I called again and spoke to a supervisor, and they said the agreement we made was only for my government loans, not the private ones. Even though they assured me in XX/XX/XXXX that ALL of my loans were included, they would not defer my loans as promised. 

My private student loans with Navient total roughly {$27000.00}, and the payments are roughly $ XXXX/month. Additionally, they wanted to charge me $ XXXX/loan ( XXXX ) to lower my monthly payment to a realistic amount. Since I could not afford an extra {$150.00}, they could do nothing more for me. 

After hitting my credit with a 60 day past-due notice, I called again to try to negotiate a reasonable payment. I was told that I could either pay the past due amount ( $ 1,000+ ) and request a lower payment, or allow them to take payments out of my bank account monthly. I explained that I do not get paid on the same day/date every month, as it 's a 2 week pay period. I was offering to make payments if they could make them reasonable, but they refused to help. Not only was the agent refusing to look at my account to see the previous conversations I 'd had with other agents, but he lied and told me no supervisors were in the building XXXX-XXXX. Roughly 20 min later, a supervisor called me back. She refused to apologize that the agent lied to me, or even acknowledge it. She then informed me that she will be referring my account for litigation and disconnected the call. 

I WANT to make payments, but they continually lie to me and refuse to accept any type of agreement that would n't overly benefit them. I do n't understand how this is legal.
I was delinquent on my credit card acct & entered negotiations XX/XX/XXXX with usaa credit card settlement dept to attempt to settle for less than balance due. on my first conversation i made an offer & usaa countered my offer. on the second contact with usaa a customer service rep named XXXX stopped negotiations when I countered usaa 's first offer with the same amt/percentage as my initial offer. XXXX stated that I could n't counter with the same amt/percentage. I was never told I could n't submit duplicate counters PRIOR to entering negotiations. after negotiations I filed a cfpb complaint ( case number XXXX ). I got a call the next day from XXXX of usaa & talked with him about the issue. the only thing that came of the conversation was that I got was his direct extension & he asked me to call him directly if any other problems should arise. Fast forward to XX/XX/XXXX, I re-entered negotiations with usaa to settle the same credit card debt for less than balance due & during the course of negotiations on 4 separate occasions usaa customer service reps took my identical offers and countered them contrary to what XXXX had stated XX/XX/XXXX. i finally reached a settlement agreement with usaa XX/XX/XXXX & am currently executing that agreement. I have XXXX issues, first issue that concerns me is 1 usaa rep XXXX may be operating contrary to usaa 's operating procedures versus the XXXX other usaa reps that are operating contrary to XXXX by accepting my same negotiation offer amount/percentage. the second issue is that since XXXX I 've been calling XXXX of usaa directly at ext XXXX a minimum of once weekly & leaving messages on his voicemail requesting a call back directly. to this date XXXX XXXX has n't returned any of my calls. despite my repeated attempts of calling usaa & requesting usaa reps email XXXX directly requesting he call me, I 've not gotten a call from XXXX. I believe my third issue to be the most important, I believe as a direct result of usaa rep XXXX actions of wrongfully ending negotiations XX/XX/XXXX, I 've incurred {$700.00} in additional mo pymts, interest & late fees to date that I SHOULD NOT have incurred. I want this issue resolved immediately by either XXXX or a usaa rep with equivalent or higher authority as XXXX XXXX contacting me directly & agreeing to adjust the final XXXX amount to no less than a minimum of a {$700.00} reduction.
When a corporation, bank or any institute checks on a credit rating, and then denies XXXX because of that rating should not be allowed to use that to " ding '' a credit score. Also I do not like the idea of a credit reporting agency to take points from the consumer if the service from the inquiring identity denies that service. We as Americans are being destroyed by these banks and credit reporting agencies and they are using the excuse that the government and the FTC allows them that freedom to do so. It is time that the FTC and government agencies to step in and look at how the credit agencies and lenders are using the credit score system. I have yet in the past 5 years been able to build my credit up because of these units using the credit score for purposes of denials of many infringements, such as, employment, bank loans, credit interest rates and so on. The Credit reporting agencies are basically at their own discretion on how they wish to destroy us by means of manipulated our scores for their own selfish purpose. This country will soon fall to other countries like XXXX, XXXX, XXXX, etc. and our freedoms are going to be taken away totally, and corporations with their greed are the ones causing this to happen, and our government is allowing this. Look at history, it will again repeat itself and the USA will be destroyed like the XXXX, XXXX, XXXX, etc destroyed themselves through greed. Please stop these corporations from destroying the American people for their own personal greed 's. The government has taken away our constitutional rights and when the foreign country takes control of this country will abolish the government as it takes over.
They have called on multiple occasions. I tell them I do not want them to contact me anymore and I am going to press harassment charges and them tell me they will continue to call me and thwy will disconnect the call. They also will call and if I do not tell them my name they will not tell me what company they are calling from and disconnect the call. They are always very rude.