WillisBack/dataset-financial-user-claim huggingface dataset:
For the third year in a row Ocwen has sent an incorrect form XXXX for my taxes. This requires submitting an amended return, once they realize their mistake - which costs me money. This year I am holding off on filing my taxes even though I could use my refund. The XXXX I got this year says I paid XXXX in mortgage interest. I do not get statements from them but my principle and interest this past year was XXXX a month for a total of XXXX. When I contacted them in 2015 about the incorrect initial XXXX and having to file an amended return they apologized for the inconvenience. Normally mortgage principle and interest are straightforward calculations easily done by any computer. I do think that their financial abilities should be looked into I find it hard to believe that my account is the only XXXX they manage to miscalculate.
When reviewing my account in 2017, I determined that Equifax has an incorrect " suffix '' for me ( i.e., XXXX ). I filed a dispute and provided Equifax the documentation they required to demonstrate that I am not a " XXXX ''. Their email sent XX/XX/2017 indicated the dispute was resolved. The dispute was not/is not resolved and I was told that the only option was another dispute. I am not particularly interested in jumping through Equifax 's " 13 fiery rings '' again without some assurances that the result would be different this time. For all the documentation I had to assemble to demonstrate that I was not a " XXXX  '', Equifax could not tell me where the information came from that led them to believe " XXXX. '' was an appropriate suffix. 

Also, I just ( today XXXX ) tried to log into my Equifax online freeze/thaw account to perform a " thaw '' and was told I needed to do a password reset. I followed the instructions and the website indicated instructions to reset my password were sent to my e-mail account. No instructions were sent. When I called XXXX I was told by the rep that unless the account was created 3 months ago, I would need to create a new account. I just tried to do that, and when I completed the online form and submitted it, I got a server error indicating " We are temporarily unable to connect to our services ''. It seems strange that the other Equifax online ( non-freeze/thaw ) account I have where they can peddle services to me seems to always perform flawlessly.
Ocwen Loan Servicing , LLC has been since XX/XX/XXXX playing a game with the mortgage of our home. Since XX/XX/XXXX despite the monthly checks in the correct amount of each monthly payment they have rejected them, stating there is an escrow, because we had an insurance company with another company besides them -- something in which has been done since the loan originated, therefore NO ESCROW was ever on the original account. Then recently when XXXX payments sent in the amount ( s ) of {$1600.00} and {$2900.00}, after confirming with the XXXX that the Priority Letter Package was received with a signature in return, I call to check on this and I get told they have only the {$2900.00} and have sent a foreclosure notice. We have XXXX loans with them, and it has only been until recently out of 14 years they have started playing games and I document everything, the names they use, which are never in XXXX, not that I am against XXXX however the employee ID 's they provide never match, the FAX numbers they provide according to XXXX " supervisor '' is correct and the next " supervisor '' they are incorrect or the same " supervisor '' will backtrack and try to cover up and say " If I told you that, I was mistaken that is the correct and proper working FAX at this time/or/most current FAX number at this time. " This company is anticipating on their consumers to not write names or numbers down or keep an accurate record of dates and times. They have held on this XXXX account only our checks each month for more than 4 weeks ( the law states 14 business days max ) then either cashes them and waits for them bounce if you forget they were out there ( error made XXXX ) and or send them back to you and tell you they can not cash them because of a false balance on your account, accruing more late fees.
Here is a copy of a letter I sent to XXXX card in XX/XX/XXXX attempting to resolve the problem. I never had any response from them regarding the issue. I also tried calling them, and the three credit reporting agencies on multiple occasions. 

I disputed the issue with both XXXX and Experian to get the item removed as a " negative item '' on my credit report. XXXX are now reporting correctly, but Experian have made no changes following their investigation into my dispute. 

Re : Account # ending in XXXX In response to your letter of XX/XX/XXXX, the information you received about my complaint is wrong, even though I have told you several times what the problem is, and I have been trying to resolve this matter for over a year now. I have not been the victim of fraud. What I told you and XXXX, is that you reported my status to them incorrectly, and I would like you to report my status correctly, please. 

I am tired of having to go over this again and again, with both your company and the credit reporting agencies. I am now putting this in writing, and I would ask that you please resolve this matter as soon as possible, so I dont have to waste any more of my time. 

Your actions have directly and negatively affected my credit and FICO score. Here is the sequence of events, for your records. Please make a note of them, save the information, and relay the correct information to all of your departments and to XXXX ( it seems that XXXX and Experian are reporting correctly now ) : I had a credit card with you ending in the above number from XXXX until XX/XX/XXXX. In XX/XX/XXXX I filed a Chapter XXXX bankruptcy which was dismissed two weeks later and never actually happened. I had always paid XXXX every month on time with no problems. When I couldnt get into my account online to pay my monthly bill, I called your office and discovered that you had closed down my account without informing me, thereby cutting off any ability I had to pay my bill, which I was prepared to do. The rep from your office that I spoke to told me there was nothing I could do to take care of the payment. 

In XX/XX/XXXX I was contacted by XXXX XXXX XXXX  telling me that they had been hired by yourselves to collect the outstanding debt of {$600.00}. I told them I was prepared to pay the entire amount, which I took care of in three installments. I asked them if this would help my credit situation and they said yes. In XX/XX/XXXX I received a notice from you letting me know that my account was paid in full. 

Subsequent to that, I discovered that my account with you is being reported with XXXX as a charge off, which apparently is a negative item, rather than a positive item that has been resolved. I feel it is very unfair that I should have this reporting negatively on my credit, when I did nothing wrong. I always paid you every month ; I offered to pay you during the period when my bankruptcy was filed and you refused to allow me to do so ; and I paid you through the collection agency when they asked me to. Yet I am being penalized, and my FICO score is lower than it should be, because you continue to report this inaccurately.
HOME DEPOT SALESMAN DOUBLE TALKED ME AND I REPLACED MY XXXX CAR GARAGE ROOF ... ..NEVER PASSED INSPECTION POOR WORKMAN SHIP ... GAVE ME WRONG HOME DEPOT CREDIT CARD WITH CITI BANK ... I SIGNED CONTRACT FOR NO INTEREST FOR 24 MONTHS NO INTEREST RATE ON CONTRACT I SIGNED ... 
I THOUGHT I HAD ABOUT 90 MONTHS TO PAY OFF ... MIS LEAD ME. I JUST FOUND OUT XX/XX/2016 THEY GAVE ME WRONG TYPE OF CREDIT CARD FROM HOME DEPOT ... .I THOUGHT I WAS GETTING A " PROJECT LOAN CITIBANK CARD '' BUT I DIDNT RELIZE THE DIFFERENCE UNTIL XX/XX/2016. NOW THEY ADDED OVER {$5000.00} INTEREST AND I AMOST HAD A XXXX.. I WAS PAYING THEY MONTHLY ABOUT $ XXXX-XXXX ... ... .THEY STILL DID NOT FIX MY ACCOUNT BACK THE PROPER WAY. THEY BEEN CALLING AND ASKING FOR MONEY THAT I DO NOT OWE AT THIS TIME ... ..I SENT PAPER WORK TO THE OFFICE THEY REQUESTED LAST MONTH BY CERTIFIED MAIL AND IT WAS RETURNED TO ME ... TODAY SAT XX/XX/XXXX. I ASKED AGAIN ABOUT MY ACCOUNT AND WAS DIRECTED TO SEND PAPER WORK TO ANOTHER OFFICE IN XXXX. I WISH SOMEONE WOULD HELP ... XXXX SO MUCH FOR THE HELP IF POSSIBLE MY HOME DEPOT ACCOUNT NUMBER IS XXXX XXXX XXXX XXXX NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Tel XXXX XXXX XXXX BOTTOM LINE I WOULD LIKE THEM TO GIVE ME A " PROJECT LOAN '' CREDIT CARD AND TO FIX THE ROOF PROPER OR TO REMOVE IT COMPLETELY SO I CAN HAVE ANOTHER COMPANY INSTALL THE ROOF ... PLEASE LET ME KNOW IF YOU CAN HELP. 
BALANCE DUE ORIGINAL CONTRACT XXXX. As of TODAY BALANCE {$9700.00}. Thanks
In XXXX XXXX I had an emergency operation due to a slip and fall accident at XXXX XXXX. I was treated at the hospital by XXXX XXXX XXXX, MD. Due to the nature of the accident I hired an attorney in XX/XX/XXXX who began the process of a lawsuit. I received invoices from the hospital and others which I forwarded to my attorney, however, I never received a bill from XXXX XXXX XXXX, MD. Throughout the litigation process my attorney requested records from the doctor 's office and was notified that I was still in litigation and was awaiting a settlement. 

Finally in XX/XX/XXXX I received my settlement and contacted the doctor 's office to pay my bill. They told me that the bill had been sent to collections. I was completely shocked by this. I spoke with the doctor 's office and asked them why they sent me to collections when they knew I was in litigation and of course they could n't tell me why. I also asked them why I did not receive notice that I was being sent to collections, again no answer. I asked to pay the bill and they refused to take any payment. So I called the agency they hired ( PlusFour ) and tried to pay them. PlusFour also refused to take my payment because they wanted to collect close to {$3000.00} when the original bill was only {$1800.00}. A couple days later they served me with a lawsuit. I really feel taken advantage of. I was out of work due to my injuries and could not pay the bill, my wife is also very sick and is not working. I am trying to do the right thing here but it looks like it is backfiring on me. 

I also recently looked at my credit report and noticed that PlusFour pulled a hard inquiry on my credit report. I know that that they are not allowed to do that either.
To whom it may concern : I am filling a complaint with the company, Transunion ... 
Id recently submitted certified letters to the company requesting validations for the following accounts : XXXX XXXX XXXXt XXXX XXXX XXXX XXXX XXXX ... 
The items were not validated and are listed as being removed, but they are still listed on my report as collection/charge offs, which is dropping my credit score ... 
Please assist ...
Continued attempts to collect debt not owed. Account was removed from my credit report on  XXXX   XXXX  , 2017 and was placed back on my credit without my knowledge. I do n't have a contract with National Credit Adjuster 's and this debt is not owed. A complaint will be made to the BBB if this is not removed. The address you have tied to the account in question is one that I ha ve never lived at.
CFPB, I am a US service member currently located in XXXX. I lived in XXXX XXXX till 2009 and XXXX to XXXX, XXXX XXXX, a XXXX in XXXX, back to XXXX, and I currently reside in XXXX since that time. During this time I have attempted to first attempt a home modification with Wells Fargo and was rejected. I then tried a short sale with Wells Fargo, had a buyer and then was rejected. I currently rent the home out for XXXX but am making payments of XXXX. I always wanted to keep this home that 's why I first wanted a home modification. I spoke to them about the Home not being an investment property and the modifications to the SCRA in regards to homes for military home members but that went on deaf ears.
There is a legal item under public records on my equifax report and it says " satisfied judgement '' I have absolutely no knowledge of this judgement and i have never paid anything to even make it qualify as satisfied. I reported this judgement as inaccurate and equifax did absolutely nothing about it and its bringing my score down completely. I was never informed of this judgement not have I ever paid it. That public record file needs to be removed from my report immediately.
XXXX XXXX from Road Runner Collection Agency in XXXX called Saturday, yelling and ranting about what I better do to pay a late payment to XXXX XXXX XXXX XXXX she was rude unprofessional and trying to threaten me regarding the payment and after her yelling and acting like a XXXX Year old throwing a tantrum she hangs up in my face regardless of my being late on the payment is will not be talk to in a disrespectful manner!!
I signed up for XXXX XXXX XXXX in XX/XX/XXXX. I tried it for just under one month and decided it was too expensive. I canceled the service before they billed and received confirmation of my cancellation. They billed my XXXX  account XXXX anyway. I disputed the charge and they refunded. Now, in XX/XX/XXXX, theyve done it again for the 2nd time.
A man first called my employer 's office, purporting to be from a law firm, Harbor Firm Acquisitions. The office manager refused to allow him to speak to me, told him I was not allowed to receive personal calls at work, and then hung up on him. The man then proceeded to call back XXXX times, and to be so harassing, the office manager had to instruct all other personnel in the office not to answer the telephone until he finally ceased calling. 

A week later, a woman from Harbor Firm Acquisitions called my personal cellphone from a telephone line that spoofed the telephone number of the local county courthouse, and left a message on my cellphone stating that she was trying to arrange delivery of legal documents in reference to a debt. Rather than giving me a local telephone number to call for information, she then gave me the number of the lawyer 's office - Harbor Firm Acquisitions. I called the court house, rather than the lawyer 's office, and was told that no such person existed at that number, and that no documents were waiting for delivery to me. I have since received no physical paperwork from their office. 

This week, the man from Harbor Firm Acquisitions is again calling my cellphone and my work number. He has refused to give me any number other than an XXXX number ( so I can mail or fax a request to cease all communications, except in writing ). I ca n't get a written verification of the debt, to see whether this is something I owe, or is instead part of a debt collection scam.
My wife and I have been trying to get a short sale approval since XXXX of 2014 for a home we rented out but due to the disrepair the tenants left it in we could not afford to fix it nor could we continue to pay on it as we had another home we were living in and had a child born in XXXX of 2014 in which my wife quit working to take care of. We contacted our mortgage company about it and they sent us paperwork and we had to resubmit it numerous times due to them claiming they did n't receive it or not giving us the proper forms and having to submit more. It took them 5 months to finally approve the process to begin a short sale. However, when we found a buyer, the mortgage company would not contact us to let us know the situation on it and when I or my realtor contacted them they would tell us different things. The buyer backed out of the sale due to the lack of progress from the mortgage company and my realtor took the house off the market until we could find out what was going on with the mortgage company. At that time, the house had been on the market for at least 4 months. A week after that, the mortgage company finally had us sign an Approval to Participate and said that we had to have the house on the market for another 4 months. My realtor found another buyer for the home but now the buyer is looking to back out due to the mortgage company once again not responding to my realtor or myself. Also, the mortgage company keeps refusing to accept documentation from my realtor that would allow the short sale to be approved. I have received several letters informing me that I have a single point of contact but whenever I call they are unavailable and I am told anyone can help me with the situation. I called again today and now am being told only the underwriter can help me but he is also unavailable. Through this whole process, we have gotten behind on our other home and we can not get any loan modification from them until we resolve the issue with the first home which due to the lack of progress, we are concerned we will lose the home we are currently living in and trying to raise our family in.
I brought of vehicle from Regional Acceptance around XXXX. I was in an XXXX relationship relationship that I was trying to get my kids and myself out of. I took the proper steps with the authorities as well as contacting Regional Acceptance about what I could do. I had to pack up and leave everything behind in order to be safe. Upon speaking to them I was told that I can voluntarily turn my vehicle in. I turned my XXXX XXXX back in to them in XXXX. I was told it would be on my credit report for 7 years at the most. Well a couple years ago I received a schedule I think it was a XXXX C that I had to claim on my taxes from Regional Acceptance that had me to have to count this as part of my income. So I filed the debt on my taxes. Well 7 years would have been XXXX and 10 years would have been XXXX. So why is this showing on my credit report and it is showing activity. It shows that the last payment was made on XXXX/XXXX/XXXX. It also shows delinquent in XXXX, and XXXX. I did not have that car those years. The car was a voluntary repossession in XXXX so how is it reporting payment activities in my name for these years way after I had turned it in. How are they doing this fraudulent activity on my report. This is not acceptable. How many clients are they doing this too? I do not have the account information because it has been that long ago, but what is showing on my credit report is Regional Acceptance Corp # XXXX
I had a medical procedure two years ago and used XXXX to pay for my procedure. Monterey Financial created our loan. We have been paying our loan to them on a monthly basis. Monterey started showing on our credit report that we were past 30 days and we have only been past 30 days one time. I contacted Monterey several times asking for an audit and was not given XXXX. We disputed with credit bureaus and then received a contract to validatensure our debt. When we got it we noticed the amount financed on contract was not accurate. We contacted Monterey and was told the amount did not matter because we signed the contract and it was a binding contract and we were responsible to pay. Please help!!
Transunion is the only bureau reporting a couple erroneous collections that are not valid. THese were all paid by my insurance company and should have never been on credit. 

2 are for XXXX XXXX XXXX & XXXX & XXXX XXXX - XXXX I have previously disputed and filed complaints and nothing has been done.
The bank behind the XXXX card is XXXX XXXX. This card has been charging me large late fees, and not applying my payments to the balance. My balance is going up and not down. I did email them, but it has been more than 3 months of late charges on my account. I had not seen where any of my payments applied to my balance.
I have been a victim of Identity theft as a result several accounts were opened in my name. I have filed a police report and sent it to collection agencies letting them know the debt is not mine but Equifax still reports me negatively on my credit file.
Experian Report per XXXX XXXX XXXX card # XXXX Limit of {$7900.00} This is acount is being reported wrong and illegaly per the FCRA and Metro 2 reporting compliance mandates. 

This alleged Charge off debt shall not carry a balance or High limit which is injurous to my credit score.  and incomplete account number. Per FCRA all information reported shall be reported 100 % accurate or must be deleted. 

XXXX XXXX XXXX account # XXXX alleged collections account showing a balance of {$1300.00}. Which is again is being reported incorrectly and illegaly per the FCRA and metro 2 reporting compliance standards.
XXXX made a settlement deal with me to pay XXXX XXXX an early termination fee for {$280.00} that would settle a {$400.00} bill. It was paid in two payments of {$140.00} on XX/XX/XXXX and XX/XX/XXXX. After making the payment on XX/XX/XXXX I called back to just go ahead and pay it in full same day. The man on the phone said the payment for XX/XX/XXXX could not be changed because it was already in the system. After receiving the settlement amount they post I had an unpaid balance of {$120.00}. They have refused to correct this matter. Their reporting caused this false information caused my credit score to plunge 45 points. I want them to delete the false reporting from my records.
I was enrolled without my knowledge or consent in " XXXX '' and " XXXX '' ( the name of the service changed ) from XXXX XXXX XXXX. This activity was deemed " unfair and deceptive '' XXXX I never requested this service or product. I never used this service or product. I never was told about this service or product. When I became aware this service/product was being charged to my account every month, I requested it to be removed. It was removed twice and added back on twice to my account without my consent or request. There were many hoops the customer service department had me jump through to remove this from my account. I was told to call XXXX as this was a separate company from Citibank and Citibank could not remove the service from my account. When I did so, XXXX informed me they could not find my account as it required a XXXX digit number and my card was XXXX digits ( the card is a Citibank XXXX, so it is XXXX numbers ). When I called Citibank back, they then transferred me and were able to stop the service, though a few hours prior, I was told that was not possible. I was eventually transferred to the XXXX Department within Citibank. I spoke to multiple customer service representatives. Eventually, after being on the phone for more than 4 hours and speaking to no less than XXXX people, I was able to get the service removed. 

I have paid {$3000.00} into " XXXX '' plus interest. I asked customer service for a " lifetime total '' of what I paid into this service and they could " not release that information to me ''. I requested my past statements to be mailed to me and I was told I could download them online. I began to do so ( you can download up to 6 per day and it takes XXXX48 hours to process ). I was able to obtain XXXX XXXX XXXX before I was spontaneously unable to download any further statements. I was able to pull my past transactions from XXXX which shows the payments made towards " XXXX '' from XXXX XXXX XXXX. The only statements missing are XXXX XXXX XXXX, but those can be estimated based on the other statements. Based on this, I was able to determine I paid {$3000.00} into " XXXX XXXX '' and " XXXX '' over the past 8 years. With interest, who knows. Much more.
XXXX Inquiry from XX/XX/XXXX ... .Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX ... .Miscellaneous Reptg. Agencies I applied for an apartment on XX/XX/XXXX at " XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX '' ..XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XXXX , MD XXXX. Phone : ( XXXX ) XXXX. Someone from this company, fraudulently access my credit file twice. I didn't give no one permission and therefore someone needs to be held accountable. My request is to have the one dated XX/XX/XXXX removed off of my credit report, if not both of them removed. 

The XXXX XXXX XXXX is the firm ... Address : XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX