WillisBack/dataset-financial-user-claim huggingface dataset:
Ocwen purchased the mortgage on my XXXX condominium a number of years ago. They have been repeatedly sending me letters insisting that my homeowners insurance has lapsed and that I must obtain coverage or they will obtain it for me at my expense. Our homeowners association maintains this insurance, it has not lapsed for the 18 years I have had this mortgage, and I have faxed a copy of the policy to Ocwen three times. They continue to request the proof of insurance, even though I have called to tell them that I have faxed it to them, and now have sent me a letter on XX/XX/XXXX telling me that they have purchased insurance for me from a company named XXXX XXXX XXXX for {$390.00} annually and have added this cost to my mortgage without my consent. I also have individual homeowners insurance which also has not lapsed in 18 years. This is a scam which I have read all about them doing to other homeowners on the internet. I have always paid my mortgage on time and am also buying another home in XXXX with XXXX with no problems with that mortgage. This company is corrupt and needs to be put out of business.
Notice and Demand for Payment  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX , FLORIDA  XXXX   CHASE  CARD POB  XXXX   XXXX , DE  XXXX   XXXX   XXXX / XXXX /   2017  VIA : Certified Mail #    XXXX    Re :   XXXX  CREDIT REPORT #  XXXX  INQUIRY  XXXX  .2017 CE  Consider this notice that you have  30 d ays to respond point by point and with validation exactly according to the points in the attached validation letter or this stands as evidence in law that no debt is due to you.     Further, as a  Consumer and since Chase d id not have my consent or authorization to view my personal property, your actions were intentional, harmed and injured my person to the value of the debt that is invalidated on my persons credit report, the {$1000.00} fine value for the FDCPA violation and the {$1000.00} fine value for the FCRA violation. That makes the total due upon receipt of {$2000.00}. A notice of lien will be recorded against any and all assets both personal and business to recoup this amount due upon receipt, {$2000.00}.         BY :  XXXX   XXXX   XXXX  XXXX  XXXX
I tried to get my get the two address off my report which do not belong to me which are XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX
In XXXX XXXX I was guaranteed a 80 % 7 yr ARM to purchase a property. In XXXX I found a property and had in hand a document stating that I had the 80 % loan. I signed the purchase at the end of XXXX XXXX. A 30 day escrow was entered and Wells already had almost all of my financial info at that time. On XXXX XXXX, 2015, one week prior to closing, Wells dropped the loan amount to 75 %, which I agreed to. The Escrow was extended a week since Wells needed more time to close but stated they would have the documents ready to close within days. When they still had not closed 3 days prior to the extended date, I called my XXXX at Wells who could not tell me if they could now close on time. In order to not lose the property and my deposit, I suggested to the Wells broker that I could pay for the property with cash, coming from my IRA, IF she could guarantee me they would close the deal, so all my IRA money could be paid back within 60 days. She told me they should be able to close easily within 10 days. It turned out to be 45 days, then they provided me with a loan of only LESS THAN 60 %. This caused me to be unable to pay back {$170000.00} to my IRA, leading to a income tax bill of {$76000.00}. ( please see attached documents. )
I asked that Experian remove the bankruptcy from my credit report as it has been on the report for 10 years. Experian arbitrarily claims the bankruptcy will come off my credit report in 6 months. There is no reason why Experian should keep the bankruptcy on my report any longer. 
I know this because I asked XXXX to take the bankruptcy off and they did so without any complaint, see uploaded document.
Hello, Summary - XXXX Citigroup Inc.customer representatives assured me {$650.00} credit which I never received as of today ( more than 2 months ). Multiple follow-ups have been done with the Bank. 
XXXX Sequence of events : 1 ) I opened an AT & T Citi Access Credit Card Account 2 ) I made a purchase of more than {$2000.00} in the first 2 months itself. 3 ) I called their customer support service to understand how I can avail the credit of {$650.00} which was part of the discount scheme if I spend {$2000.00} in first 3 months after opening the account. Customer representative confirmed me over the call that I can buy the phone from ANY store using AT & T Citi card and I will get the credit against the phone purchase. 4 ) Based on this confirmation I purchased a phone on XXXX XXXX 2016 from a BestBuy store. 5 ) Citi did not give me the credit so 6 ) On XXXX XXXX I called them again. This time Citi customer representative was reluctant to give me the credit but after talking to his manager he confirmed me that I will be getting the credit once I fax Best Buy phone purchase receipt and my account details to XXXX. I faxed the receipt and details after couple of days. 7 ) Till today I have not received the credit of {$650.00}. IF support representative had completely denied me the credit on XXXX XXXX I had an option to return the phone back to Best Buy store. 8 ) I sent 2 more messages ( from my online bank account ) to Citi asking for the credit. 9 ) On XXXX XXXX I called Citi customer service again. I was told call is being routed to Manager, XXXX representative said same thing that call is being routed to Manager, I will be getting a call from Manager etc. I am very upset and frustrated with the Bank as they misled me multiple times. On top of it then applied late payment charges on my account. 

My concerns are 1 ) I have not received the credit of {$650.00} and 2 ) Bank has applied late payment charges to me, this would not have occurred if they had applied credit to my account on time. 

I sincerely request you to look into this matter and help me resolve the issue. 

Thank You, XXXX XXXX XXXX
On XXXX I got a loan for {$1000.00}. My payments were {$170.00}. I checked on line on my account after the payment was drafted out of my bank account. The monthly payment jumped up to {$330.00} due on the XXXX day of XXXX. These people are a rip off and need to be investigated. I am on a fixed income and can not pay {$330.00} a month. I only get {$1400.00} a month. Something is wrong with these people.
I took out an unsecured loan with Citibank back in 2008 and a year later, I was working part time and did n't have enough to pay each month. I called up Citibank and negotiated with them and they referred me to a department that put me on installment plans and it was paid off as agreed. I now received noticed from XXXX that that Citibank has resend this off to collection and once again destroyed my credit rating. This is not a valid collection and I would like CFPB to look into this.
The Navy FCU is collecting a auto loan debt. I lost my job XX/XX/XXXX and did not work again XX/XX/XXXX. I tried to mitigate missing payments immediately but Navy FCU would not work with me. I could not pay. 
Fast forward, the car was repossessed, XX/XX/XXXX and the FCU rep stated i need to pay {$10000.00} by XX/XX/XXXX. I explained that i could pay it off but needed more time. He stated he would give me until XX/XX/XXXX. The last conversation i had with him was XX/XX/XXXX where he stated i could pay car off then call car storage company to pay storing fee. I called them XX/XX/XXXX. They said they do not have car and car is already at auction house. If i want belongings i need to contact XXXX XXXX. I called XXXX XXXX they stated they do not have the car and do not know where the car is. 
I attempted to call XXXX XXXX back on XX/XX/XXXX but he was gone for the day and another FCU rep reviewed my account. She stated the Navy FCU gave me until XX/XX/XXXX to pay the balance and not XX/XX/XXXX as stated by first rep. 
Out of all this : 1. Navy FCU rep falsified the timeframe the bank was actually given me. XXXX vs XX/XX/XXXX. 
2. The company supposedly storing my car is located in XXXX and has already sent car to auction house but will charge me a daily storage fee. 
3. I changed my address and have not received term notification. 
4. My car location is too far for me to get my property out of. 
5. I have been out of the country from XX/XX/XXXX-XX/XX/XXXX. 
I am stuck trying to get car back and property in car!
I have been informed student loan is on my credit report. I have not attend XXXX XXXX XXXX XXXX  XXXX University. I have visit the school to get student ID information, and any documents on file to confirm account belongs to me. There is no documents and have been confirmed there is no enrollment for me.
Equifax hack has led me to believe all of my information has been hacked. I have proceeded to check a free credit report to find any unusual activity. There was none at the moment. In fear of future fraud, I have placed a credit alert for 90 days. I am deeply frustrated with the mishandling of the personal information of millions of Americans. It is incredibly irresponsible for a company whose business is dealing with credit reports has such lacking security. The way the company has handled the fallout is also irritating.
I recently purchase a XX/XX/XXXX XXXX XXXX XXXX XXXX from XXXX auto sales XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I received ZERO paperwork when I called them to get the paperwork, they refused to give me the paperwork. We havent received any disclosure. They ( dealer ) also told the finance company I put {$4500.00} dollars down when I only put {$3000.00} dollars down. Also after driving the vehicle for 8 days it will not crank up and I had a mechanic to look at it and the mechanic says it need injectors {$2500.00} in parts and labor.
I am a recent college grad and after graduation I met with a credit counselor to discuss how I can build my credit. Surprisingly, I found that there were several pieces of incorrect information on my credit files that did not belong to me. Specifically this Santander Account has a XXXX charge off collection filed on my XXXX and XXXX reports! I have never done business with this company so of course I submitted a dispute. After the dispute was done, it was still on my credit file and I was told that Santander conducted an investigation and " told '' them they had documents to verify that this is my account. I asked the credit bureaus to send me the documentation and of course they told me to contact Santander because they never actually sent them the PROOF. I called Santander 2 times to request these documents that they claim show proof of this account being mine and both times they REFUSED! The representatives were very defensive and rude. I was so amazed at how they could just state that I owe them something without no documentation. I am taking every action possible against this company and a law suit will be next.
Last month my XXXX ordered google play for XXXX times. We did n't know his tablet will connect my paypal account with my husband 's debit card. After talking to XXXX from XXXX. They were able to refunded XXXX out of the XXXX orders a total of {$240.00} USD. 
However Navy Federal Credit Union refused to credit those refunded items after filing an unauthorized transaction form and charging {$29.00} for every single overdraw transactions since the account did not have enough money from the begining. Nfcu requested a letter from XXXX and paypal with the word FRAUD. google give us a letter of the issue. XXXX does n't because they were just in the middle of the mess. Our NFCU joint account was negative for more than XXXX. They suggested to closed account until clarified issue, but when i received a TAX REFUND in my personal account for more than XXXX they transfered that amount to the bad account without inform us. That tax $ was to pay bills and yes their credit card. However after several tries and the fax we sent NFCU Keep arguing they need to see the word FRAUD in the letters. Why XXXX understood the situation of my son with XXXX clicking without knowing and the bank wants to see the word XXXX? Why do the take our $ and transfered in to a now closed account and charged us XXXX overdraw fees for & lt ; XXXX times? When google refunded XXXX out of XXXX orders. 
Thanks!
I have contacted Innovis on numerous occasions, both by phone and mail, and tried to have them explain to me how they are verifying this erroneous reporting account as accurate, and they always reply with, " we obtain our information from the credit bureaus for this account. '' The credit bureau, or any agency that sells information " for profit '' for credit reporting purposes, are NOT the original creditor for this erroneous reporting account, and any reporting of accounts, except by the original creditor of the account, should not be considered as trusted information and deemed verified. If Innovis can not provide me with satisfactory written proof of the creditor they contacted, the creditors phone number, and the name of the customer service rep that provided Innovis the information to verify the account, they are in violation of my FCRA rights and by law, they MUST delete this erroneous account from my credit report!
XXXX accounts ending in xxxx and xxxx, have incorrectly listed dates of when they became past due. Due to the failure of the University XXXX Vermont, the original creditor, to report the correct first date of missed payment, to the consumer agencies, the date of removal from my consumer report is incorrect. I have attached direct correspondents with XXXX XXXX a representative of the University XXXX Vermont, and the person that reviews these disputes. 

In the correspondence XXXX clarifies that the due date for the account ending in xxxx was XXXX/XXXX/XXXX, thus establishing the date of first delinquency. This is in divergence to the date of XXXX/XXXX/XXXX reported to the consumer agencies. XXXX establishes that the date of XXXX/XXXX/XXXX is actually the date that the past due account was forwarded to a collection agency. 

For the loan ending in xxxx XXXX establishes that as the guarantor of the loan the University XXXX Vermont purchased the loan that was already in default and subsequently transferred it to a collection agency. The date of Advance to the collection agency, XXXX, is XXXX/XXXX/XXXX, that is also the date listed on my consumer report as the open date, and the erroneously used to determine the fall off date. The correspondence establishes that the date of first missed payment that leads to the cause of action happened well before the university purchased the loan as the guarantor. XXXX also establishes that the original advance date of the loan was XXXX/XXXX/XXXX : clarifying that the institution that she represents and is reporting to the consumer agency is unaware of the date that leads to the cause of action. 

Furthermore, XXXX in a preceding email states that these accounts should fall off my credit report in XXXX XXXX, XXXX years from date of last activity ( paid in full ) instead of the date of delinquency, indicating that she is woefully unfamiliar with or disregarding the FCRA. I have now made multiple attempts to have these issues rectified, directly with XXXX and with the credit bureau, and thus far have only been able to have debts erroneously reported as still owed marked as paid. 
The credit bureau has failed to investigate the claim, instead they suggest that I dispute the item each time I speak with them. That has worked to no avail as they close the dispute after the University states the information is correct, even though the documentation submitted to the credit bureau shows otherwise.
XXXX XXXX XXXX employs accounting and money management processes that are designed to confuse their customers and allow them to collect late fees because of their own bad record keeping and antiquated systems. 

On XX/XX/XXXX I emailed Douvenmuehle an inquiry about a {$1500.00} partial payment for XX/XX/XXXX payment that cleared my checking account on XX/XX/XXXX. Because I am paid twice a month I have to split my {$2300.00} payments to survive. However, the payment was nowhere reflected on my account through the online portal they grant access to and even after making the rest of the payment for XX/XX/XXXX my account still showed outstanding I received notices that I was late, even though I had made payments in excess of the minimum. 

Only after I called into the customer service center ( waiting on hold for at least 15 minutes ) and writing to the loan company I did my refinance through did I finally have a manager call me. Then 20 days later received a response to my email with a message that completely contradicted what the manager had told me and followed up in a letter. 

It turns out that when early payments are submitted, they create a " suspense '' account that the money is extracted from your account and placed into ( that I was unable to see and never informed of until I called and inquired ), and the only way money would be extracted from the " suspense '' account was for the customer to call in and ask to have the payment taken out and applied. But without being informed it was there or even seeing it reflected on my account how is a customer supposed to even know the account is there. And why are taking money from an account without authorization to do so. 

The servicer claims they have the inability ( it seems more like an unwillingness ) to allow consumers to make multiple payments on their loan within the same month. This has been shown to reduce compounded interest and expedite payoff, but also is just good service because the payments are large and need to be broken up. 

The issue came up again in XX/XX/XXXX when my XX/XX/XXXX payments were n't applied, even after the manager said he added a note to my account. This time, if I had not identified it and called to complain they could have jeopardized my homeowner 's insurance policy. Since the insurance payment is factored into the escrow, not having sufficient funds could impact payment going out. 

Then when payments are applied they are n't even on the actual dates they 're received. in one case in was weeks past the date it cleared my account. 

Not only do they have the potential to ruin your credit, they end up stressing you out over something that should be granting you reassurance. I 've asked if some other lender, even the lender for my other property, could just buy the loan from this company because I hate this experience. It 's been a horrific experience that I have never dealt with in over 3 decades of paying creditors.
Garnishment sent to my employer. Different name and info on acct. believe also wrong social. Attempting to take money from my job even know this is not me.
I filed a Chapter XXXX bankruptcy in XX/XX/XXXX. I paid it off and it was discharged XX/XX/XXXX.  None of this information is on the reports of XXXX, XXXX or Equifax. I am trying to get a home loan and the lender says it can not give me a loan with this information missing from the credit reports even though I provided the documentation to them.
I have been the victim of identity theft fraud for more than 4 years. I have filed numerous complaints with TRANSUNION to no avail. I have submitted fraud affidavits, consumer statements and proof of fraud, yet they continue to not accurately investigate my accounts, remove erroneous information and update my reports with the information provided. 

I contacted the office of the president for TRASNUNION and they would not allow to speak with anyone concerning my complaints. I have furnished TRANSUNION with a fraud packet and supporting documentation on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I need help in resolving this issue asap.
Premier Portfolio group continues to call and leave me messages from different numbers. I have just received another call today. I have received no documentation from them that I requested to be mailed to my home. They attached a document on another complaint that shows my debt is from XX/XX/XXXX. I have a chapter XXXX bankruptcy that was discharged XXXX/XXXX/XXXX. this debt was included. They should not be able to keep calling and harassing people that have had a bankruptcy discharge 4 years ago. Please have the debt collection stop as bankruptcy should stop those calls. And the company has still not sent any valid paperwork to my home as they stated. and this has been over a month. Now they call and leave another threatening message on my voicemail.
Capital One Bank USA NA is reporting on all XXXX credit bureaus under my name. I am XXXX XXXX and I live at XXXX XXXX XXXX XXXX XXXX, XXXXXXXX. I previously resided at XXXX XXXX XXXX, XXXX, XXXX XXXX. The person who opened up this account in my name, using my SSN has been identified by the XXXX XXXX and XXXX XXXX XXXX XXXX has XXXX XXXX XXXX of XXXXXXXX. I have informed this credit card company that I 'm a victim of identity theft and that this account was opened fraudulently in my name. They have in turn sent me a letter stating that I did in fact submit an unsolicited on-line application for this credit card on XXXX XXXX, 2016 and that I live at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX The letter says that I submitted this application using my name, DOB, and SSN but at this XXXX, XXXX address. I have never lived in XXXX, XXXX, and have never stepped foot in the state of XXXX XXXX XXXX XXXX lives at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX and has previous applied for and obtained a XXXX XXXX of XXXX and a XXXX XXXX in my name using this address. I have since gotten the XXXX XXXX and XXXX XXXX removed from my credit report as fraudulent accounts. However Capitol One Bank refuses to remove this fraudulent account from my credit report. It is ruining my credit and I have no way of getting the person who has stolen my identity to stop using it.
I 'm a XXXX XXXX adult and Bank of America stole over {$340.00} of my XXXX money from a new checking account that I opened in order to prevent any fraud from occurring on my account again. On Friday XXXX XXXX just prior to XXXX CST when the claims department closes they removed the money from my new account without any warning or offer for payment plan. I still dispute the credit reversals that led to a negative balance after I closed the account at a local branch. Every banker I 'd previously spoken to said that my new account could not be touched by the bank or anybody but myself. I had no means to prepare for the sudden removal of almost all funds I had left, since I 'm on XXXX. They offered a friend of mine payment plans and additional help many times, though. I have visual documentation of all these events. I also have recorded information that proves they acted illegally by stealing funds from my new account. I want them to refund the money, explain why they did this, and compensate me for the money I had to borrow for immediate health purposes. I can prove all of this. Please help me, please. I have nothing left even for food. I also want them to pay a penalty fee to me for hurting me like this. I beg of you to intervene. Tell me what proof you want.
XXXX and Experian are not reporting my credit card account with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Account Number : XXXX My account is reporting with XXXX but not with the other two companies. Can you report this account with XXXX and Experian? 

Thank You, XXXX XXXX XXXX
At the end of XX/XX/2018, Citibank forcibly closed all my bank account and credit cards without any notice or informe. I have {$680.00} remaning balance in my account can't be withdraw and transfer.I called Citibank customer service line and send them letters as they required many times, but I didn't get any respond. It's already been 3 months, Citibank still didn't refund my money.

In accordance with federal law, Citibank must notify me one month before closing my account, but they didn't.

I earned this {$680.00} by legally and resonable credit card consumption.Therefore, I demand Citibank release my money immediately.