WillisBack/dataset-financial-user-claim huggingface dataset:
Ocwen Loan Servicing, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX. Loan # XXXX, Tax Parcel # XXXX. Has filed a claimed against a Loan in the lower courts in the State of Delaware under the name of XXXX XXXX. XXXX XXXX allegedly sold the note to Ocwen Loan Servicing, a debt collector. Ocwen Loan Servicing is refusing to help the next of kin or Transfer the Deed to the heir of the property. Thus, not allowing the Personal Representative to be able to obtain a modification and pay on the property that the family wants to keep. XXXX XXXX  has hired an aggressive attorney in the State of Delaware to foreclose and Owcen is playing a lot of games. Ocwen refuses to tell the family how they obtain the loan? when did they obtain the loan? What was the balance when transferred? how much was paid on the loan when the deceased was living?
CFPB Consumer Financial Protection Bureau Dear Officer : Good evening. 
My BoA account XXXX had wire form XXXX into my account on XX/XX/2015 XXXX, but BoA just noticed me XXXX kept into my account, they ate XXXX dollars. 
XX/XX/2015 charged me wire transfer fee XXXX, and due to I am an investing account so refund me XXXX transfer fee.XXXX. so still ate me my wire in capital XXXX. 
I had several time asked the branch officer XXXX XXXX : he said : ususally like that.??? 
I do n't agreed and online message to ask return my wire capital XXXX, they always no return to me. 
see my copy and attached below : XXXX, on XXXX statment XX/XX/2015 XXXX XXXX, and transfer fee:XXXX XXXX. 
B.BoA.statment just book me XXXX only. 
Please help me get back my missing capital XXXX.and correct their bad behavior. 
Thank you! 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 
XXXXXXXXXXXX
Per the attached correspondence, XXXX submitted a request to Equifax to remove the hard inquiry from XXXX XXXX dated XX/XX/2018. 

It has been more than 30 days since the request was submitted, but the hard inquiry is still showing up on my account.
I have been repaying my student loans via Navient and XXXX XXXX XXXX ; the loan was issued by them, NAVIENT PRIVATE LOAN TRUST and XXXX. They 're both a variable interest rate that has NOT adjusted to my income or basic principals of adjustments. The payments are insanely high whilst the loan itself will not reduce as the years tick away. The school that the loan was issued for is now going under as well ( XXXX. ) I have issued both federal and private loans for this school. I finished my education at XXXX University and am understandable with the federal loans provided. My concern is the the XXXX private loans I have, XXXX from Navient and XXXX from XXXX that are impossible to sustain and pay off. I have tried to address this several times and am struggling to find a way. I was told they should 've been forgiven given the circumstance but no point of contact is available for both the school or providers.
XXXX XXXX refused to remove their inquiry off of EXPERIAN after six contacts with their company and EXPERIAN and I have had no resolution. XXXX XXXX removed the inquries from XXXX XXXX and XXXX  but not EXPERIAN. I already contacted them via email and have had no response.
This is a new complaint related to my original XXXX on XXXX/XXXX/15 - Case number : XXXX. Per the attached letter dated XXXX/XXXX/15, SLS claimed that they submitted a manual update to the credit bureau reporting agencies. My mortgage is still not showing on my credit reports ( specifically XXXX and XXXX ). I understand that it can XXXX days for the credit bureaus to update my credit report. It has now been almost XXXX days since they claimed they first reported it, and nearly XXXX months since my mortgage began with them. This is unethical and unacceptable, and is causing me unnecessary XXXX. I have talked to numerous professionals in the mortgage industry who said they have never heard of such actions, and that this borders on being both illegal and discriminatory.
On XX/XX/XXXX XXXX XXXXXXXX XXXX   XXXX Also, On XX/XX/XXXX XXXX XXXX, XXXX XXXXXXXX On XX/XX/XXXX XXXX ( no information given on credit report ) On XX/XX/XXXX XXXX XXXX, XXXX XXXX no information given on credit report ) On XX/XX/XXXX XXXX XXXX XXXX pulled my credit. 

I request that you initiate an investigation into [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
I have had a collection reappearing on my credit report that was settled through in house financial aid at the facility this debt originated from. This prior to any collection or charge off appearing on my credit. This is a bad debt that has been shopped to many collection agencies and is becoming an extreme burden to the point of harassment for me to continuously be finding illegitimate debts appearing in the form of collections on my credit reports at all the reporting agencies. This is a debt that I have had to have removed from all of my credit reports from all XXXX agencies, multiple instances, from multiple collection companies and again am put into a position where I must dispute information on my reports which I have already had previously removed. This being the fifth time I must dispute this same bad debt. Upon attempting to dispute on this occasion Equifax has made it increasingly difficult for me to dispute this debt as they now will not let me access the online dispute system and are forcing me to fax my dispute with a copy of my identification in order to file a dispute. This is extremely tedious and something I should not be forced to do seeing as though this bad debt should not be allowed to be continually allowed to be reinserted into my credit file. They are the same debt shopped to different collection agencies ; sometimes even the same collection agency with slight different names or names with acronyms instead of the full company name. These are dishonest practices and this has come to an extreme point where I feel it necessary to involve an outside agency in hopes this debt will not keep unacceptably reappearing on my credit reports.
I have an unverified account from CHOICE RECOVERY. I had previously disputed this account. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( XXXX ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I reached out to the XXXX XXXX several times over the last year. I have asked them for proof of this debt ; I have asked them for proof that I owe them ; I have asked them if they are license to collect this debt ; I have informed them that this debt does not belong to me. This company has refused to respond to my request. This account should be removed from my credit reports immediately. This is a violation of the FCRA. This company should be fined for not yielding to the federal laws.
This problem has to do with the XXXX XXXX XXXX  XXXX. We have had this card for many many years and never had a problem receiving the statements and being able to make our payments on time to the XXXX XXXX website. In XXXX 2017 we went to the website that we have used for many years to log in and make the payment and was directed to a website for Capital One. We called the phone number on the XXXX XXXX statement we had received for XX/XX/XXXX and spoke with a representative and was told that the XXXX XXXX had been transferred to Capital One and that we would have to register for online services. We went back to the XXXX XXXX website and when Capital One came up we tried to reregister. We were unable to reregister as we did not have a 3 digit code from a current credit card they were requesting. We then called back to Capital One and was told by a customer representative that we would not be able to reregister for on-line services and be able to pay our bill on line like we have done for many many years as we did not have the 3 digit code they were requiring. We were then transferred to another customer service representative and was told the same thing. We have never had a returned payment or a late payment to the XXXX XXXX. We were told we could make the payment due for XX/XX/XXXX by a customer service representative. We asked to be transferred to a customer service representative that could take a payment. We were then transferred to another representative and the representative took the payment. When we mentioned that we had spoken to 2 other  representatives we were told that either one of them could have taken the payment. XX/XX/XXXX payment was paid on time. 
We did not receive a XX/XX/XXXX statement. We called Capital One to see about the statement and the representative could not see where a statement was sent to us. I asked how are we to know the amount due and the due date and was told we would have to call in. When I asked for a mailing address I was told it would take 12 days to process a payment as we do not have the statement remittance that would be returned to them along with the payment. 
We feel this needs to be looked into with Capital One. If they are taking over the XXXX XXXX the existing XXXX XXXX customers should be able to receive statements and make their payment on-line if they choose to. It seems that Capital One is not sending out statements so XXXX XXXX customer will not make their payments and the account will become delinquent and be reported on the credit bureaus as a bad debt and hurt the customer. 
Your assistance is greatly appreciated.
I checked my credit report about a month ago and all they accounts on it that were in collections was deleted. I check it again and those accounts appeared back on causing my credit score to drop. I would like all these accounts on my credit report to be deleted
I previously submitted a complaint on XX/XX/2017, case # XXXX against NFCU. The response is still pending. However I have been working with their Personal Finance Department, XXXX - XXXX. Now she has helped to put a few of our accounts on pymt plans, great. Problem is there are 2 accounts still outstanding that we continue to get collections calls from NFCU from daily reason being I am the secondary account holder on the accounts & my husband is the primary but he is XXXX military & currently XXXX. I have begged & pleaded with NFCU to just put these last 2 accounts on the pymt plan so we can move on with our lives.NFCU insists that they must speak with my husband, no matter how much I tell them I do n't know his schedule or specifically where he is. He has even emailed NFCU via NFCu account website begging them to please just talk to me & work with on a pymt plan on these last 2 accounts so we can get a solution & put an end to the constant collection phone calls. I myself have had some medical issues & was just sent home from the hospital today. All we want is a conclusion to our previous request in my 1st complaint dated XX/XX/2017, a lower payment plan for a period of time. Thank you
I have recently obtained a copy of Experian report and the information does not relate to any transactions that I have made ; therefore, I am requesting that these inquiries be completely removed and blocked from my credit file.
Bank XXXX XXXX claims I owe a debt to them. I do not recognize this claim as I am a victim of Identity Theft. I have written several letters asking for VALIDATION, as described in the FDCPA and only received COPIES of statements. This is not VALIDATION under FDCPA LAWS. I am now being harassed by a company that says they represent Bank XXXX XXXX called XXXX and XXXX working on the behalf of Bank XXXX XXXX. I have signed no contracts with either. If they have evidence that I have, all Im asking is to see the wet ink signature I allegedly signed with either company. Copies of statements are pointless as they do not prove I have contracted with either company, BOTH claiming I owe some sort of debt. How is this legal??? Its not. Then anyone can claim I owe a debt to anyone? Just want to see ORIGINAL contract. Who is XXXX XXXX XXXX? Where is my contract with them? XXXX? Where is the original??? Without evidence in which I am requesting and have requested, under the FDCPA and FCFA, I will be entitled to the full amount of the claim owed plus interest. If I do not receive proper VALIDATION within 30 days ( not copies of someones statements ) I will be forced to file Liens. I will not hesitate to do so as I have been harassed by both Bank XXXX XXXX and XXXX and XXXX. I WILL file Liens on both companies as they have both caused me harm and duress.
Regarding Equifax hack, it is impossible to request updated credit reports and security freezes due to high volumes ... despite repeated attempts. Why am I wasting my time trying to rectify their mistake? We did nothing wrong here. My expectation is that Equifax will : Provide monitoring until the end of my life AND will coordinate with XXXX and XXXX to do the same. Equifax will bear all costs associated with protecting all of those affected by the data breach. 

Seems like a simple ask for Congress and the CFPB.
I know that my identity was stolen and after discovering it, I put a block/freeze on my credit report to prevent unauthorized access to it. And while I discovered that an account was opened with my identity, I tried resolving the issue with the merchant but to no avail.
On XX/XX/2019, XX/XX/2019, and XX/XX/2019 I was rejected for credit because my Experian credit account was frozen. Three times I have followed their online process to temporarily thaw my credit report for 30 days so I can apply for credit and each time the response from Experian is that the report is not frozen. When I reapplied for credit, I received the same rejection for the same reason : credit report is frozen. I did not have this problem by thawing either XXXX  or XXXX. 

Now, my credit is damaged because I have two hard inquiries within 6 months on my credit reports. No matter what I do Experian tells creditors my account is frozen when it is not. 

Thanks.
I filed a lawsuit against Nationstar Mortgage for mortgage fraud that was settled out of court. During the course of actions that I sued them over they took a complete payoff of my mortgage debt, not a short-sale or other negotiation, they accepted in full the amount to satisfy the debt to their satisfaction from another company that I had never been in contact with. The problem is that they still show on my credit, two years later and after we have settled out of court on this matter and several others where they admitted guilt, that they foreclosed on our property and that we owe the total balance, neither of which is true. This is barring me from purchasing another home. This false information has been requested to be removed on multiple occasions. I can show legal court papers showing their payoff was complete two years ago. I believe that this should be enough to get them to remove the negative reporting from my credit, as I was not even delinquent to them at the time of this issue arising.
I have disputed the late payment on this XXXX XXXX for months. XXXX and XXXX   have reversed them but Transunion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I attended XXXX XXXX XXXX University, located in XXXX, Texas, in the fall of XX/XX/XXXX. After attending the school for a little over 3 weeks, I decided to resign from the university simply because it was n't a good fit for me. I set up a payment plan with the university to pay for my tuition and paid the first installment while I attended the university. About a year later ( XX/XX/XXXX ) a  collection agency calling on behalf of the university says I still owe the university {$2500.00} for the rest of my tuition and the months I did n't attend the university.
I opened a business checking account with Chase Bank on XXXX XXXX, 2016 at the XXXX location. I live in XXXX and chose to drive to the XXXX location, XXXX hours away, because I had received advertisement for a {$500.00} bonus for opening a business account. While in the branch, I provided the banker, XXXX XXXX, with all necessary information, including my social security number and card. My account was opened, and I deposited {$500.00} into the account. On Saturday, XXXX XXXX, I received a letter that indicated that I had failed to provide my social security information when the account was opened and the account would be closed if I did not provide the information as soon as possible. 

Up until then, I had not received any contact from Chase that would indicate there was a problem with my account. I called Chase immediately, and I was told that my account was fine and to disregard the letter. On Monday, XXXX XXXX, I contacted my banker, XXXX XXXX. He stated that there was actually a problem with my account, and he would need to research the problem. After researching the matter, he called me on XXXX XXXX and stated that Chase had failed to record my social security information. He stated that this was completely a bank error and that he would fix the issue and my account would remain open. However, he asked me to re-sign the information I had provided in branch on XXXX XXXX and fax him a copy of my social security number. He faxed me the document I would need to sign the following day. On XXXX XXXX, I faxed a copy of my social security number and requested document. 

On XXXX XXXX, XXXX XXXX called me and stated that the account had been closed on XXXX XXXX, and that Chase would not reopen the account. He said that he had argued with management about reopening the account, but told me that management had chosen to close the account permanently. 

I am shocked and appalled by Chase 's actions. This entire problem was due to their incompetency and now I am must suffer the consequences. I still have not received the initial {$500.00} deposit I made on XXXX XXXX, nor have I received the promised {$500.00} bonus.
I currently have a Walmart Mastercard. I recently noticed a reoccurring charge on my statement every month. I am not sure when this first started as I can only go back to my XX/XX/2017 statement on the Walmart website. This monthly charge is charged as 1.6 % of my current card balance every month for card security. I did not sign up for this service nor did I authorize this service from XXXX. This is through Synchrony Financial. After searching online this seems to be a common issue. There are many other people who were also unaware of this monthly charge, and did not sign up for " card security. '' I would like for the service to be discontinued immediately, and refunded for being charged for a service I never signed up for.
( WELLS FARGO BANK , NATIONAL ASSOCIATION ) is the bank that holds my mortgage, they are consistently mismanaging my escrow account. Almost every year since they brought out my mortgage from another company at the end of each year I 've had the payable payments of more than {$2500.00} sometimes a little less for their claims of my escrow always constantly being short. Even as my land taxes went down three years in a row, my escrow for some reason was always short. When he forced me to pay the extra balloon payments at the end of each year, they tell me that this little payment make my escrow have an overage. So XX/XX/XXXX if I paid {$2500.00} plus my motley mortgage fee of {$1400.00}, does n't this mean that I now have a surplus of escrow. Now with that being said consider the fact that my land taxes decreased, my home owners insurance decreased from XX/XX/XXXX to XX/XX/XXXX ; why am I still left with a escrow shortage. I believe his bank is consistently committing theft by deception, and I will be immediately looking to my local law enforcement agency to file those criminal charges against Wells Fargo.
At the XXXX week of XX/XX/XXXX, after some research, I had to open a police investigation as somebody opened a bank account under my name and, according to the procedure, I need to get my credit report from the XXXX credit bureaus so I can check for unusual activity and try to minimize the impact. 
On XX/XX/XXXX I contacted Equifax to get a copy of my credit report ( as I did with the other XXXX bureaus, XXXX and XXXX ), I did get a previous copy last year around the same date so, I was expecting not to be able to get it immediately online, as I do n't have a SSN but an ITIN instead, they told me they were unable to get me the report because I had to provide some documents they were missing and then transferred my call to a department called XXXX.. I sent a copy of my ITIN, copy of my Passport and a Social Security Administration Denial Letter ... they said they had to verify who I was ... I sent immediately these documents via XXXX and a week later via certified mail as they were unable to read them. On the XX/XX/XXXX I decided to check on the documents delivered by XXXX ... They told me they received the documents, that they were going to send me the report via regular mail in XXXX business days and even gave me a confirmation ID # XXXX, I never got the report. 
The next day, XX/XX/XXXX I received a letter on the mail ( with ID # XXXX ) saying that they received the request of my credit file but the provided information did not match their records ... they did want to verify my identity and current address ... I did contact the XXXX and provided my confirmation ID ... I ended talking to a supervisor who did talk to a " XXXX Department '' and came back saying that the report has been sent and to ignore the letter ... but I have nothing. 
Today XX/XX/XXXX I got an e-mail with another confirmation # XXXX and I did call, the lady I spoke to told me she was not able to open my file, because some documents were missing, I responded that I already sent them, she told me to contact the XXXX and ask why they did not update my file ... the response was the same or even worse ... the response of the rep was " we need a ssn '' ... Basically THEY ARE DENYING MY CREDIT HISTORY BECAUSE I CAN NOT PROVIDE A SSN but I know I can not get my Credit Score BUT my Credit History. 
I tried to report the people on their customer service but, the same people they have in these call centers are the ones who respond ... for example I reported this incident to them with ID XXXX and the response was : " Please contact our customer service department '' which is the same people who are unable to help. Its now a month since I started this request, I still have nothing ... I need to know why Equifax asked me to send very private information such as a copy of my Passport and ITIN if they are not able to provide me with the report??