WillisBack/dataset-financial-user-claim huggingface dataset:
Ocwen loan servicing continues to report inaccurate and fraudulent information on my wife and I credit reports with all three credit bureaus. As of XXXX XXXX we agreed to a loan modification, at that time the loan was set to three trial payments, these payments were made on time, which then the loan went into full agreement. Since XXXX XXXX to XXXX XXXX we have made our monthly payments on time yet Ocwen continues to report information of no payments being made to the credit bureaus. Ocwen also has been charging fees sometimes up to XXXX in one day as you can tell from the payment history from Ocwen. Ocwen has not and continues to place our payments into a separate account even when there was a modification present and payments were made on time and Ocwen will still not apply payments the day/month they are received. Attached you will see Ocwens negligence in reporting fraudulently to the credit bureaus and documentation of payment history. As you make notice of Ocwens payment history sheet they are fudging payment dates and dates the payments were applied and the late fees, inspection fees and other non-explained fees are charged fraudulently. We request Ocwen report accurate information on our credit files and credit for all fraudulently charged fee 's. 

We have also disputed this through XXXX from XXXX Resource Center as XXXX is the note holder of this loan. We have been disputing this information for over 6 months through XXXX with no outcome. 

We request Ocwen Loan Servicing & XXXX to immediately stop reporting inaccurate and fraudulent information on our credit bureau and immediately send correct information to the credit bureaus and send a letter to every company that declined to offer credit due to Ocwen Loan Servicing & XXXX inaccurate and fraudulent reporting and fraudulently charged fee 's be credited.
A debt I owe to XXXX was mailed to me. I was given information as to how to pay for it but the registration code does n't work so I ca n't log in to pay for anything! The website does n't work half the time so I wont even be able to figure it out. Now I have no way to pay for this even if I tried. It will effect my credit which is not fair to me.
I applied for and received a XXXX XXXX CHASE card recently. Yesterday I opened the envelope that held my new card. I then called to activate it and was told that someone made a charge on my card a couple of weeks ago. They told me that they would cancel the card I was holding and send a new card with a new number. I am appalled! How can someone find my credit card information before I 've even opened the envelope and activated the card? This is obviously an issue with XXXX XXXX CHASE. My information leaked out on their end and I am afraid to do business with them. How is it possible that my card was hacked before I even opened, activated or used the card?
Bank of America provided oral instructions by telephone on a recast of my mortgage. I followed the procedure and submitted my letter of intent along with a payment of approximately {$15000.00} to be applied to the principal to complete the recast process and have a lower principal balance on which to calculate my new payment. My check for $ 15,000+ was applied to the principal upon receipt, but I never heard from Bank of America XXXX After repeated phone calls over a one month period, I finally reached someone on the phone who told me that we were denied the recast. There was nothing to be done about the {$15000.00} payment that had been applied to the loan. My payment remains the same. No letter of denial of the recast and no letter of apology for shabby treatment was ever sent to me.
On XXXX/XXXX/XXXX received letter dated XXXX/XXXX/XXXX stating that I am being " denied credit '' and my credit line is being reduced from {$20000.00} to {$10000.00} because I am not using the card enough -- please note that government and private agencies strongly urge consumers to keep credit scores high by using the smallest percentage of available credit they can. I did NOT request or authorize any change and assumed fraud. Tried repeatedly to contact card issuer ( CapitalOne ) by phone and was repeatedly cut off by automated system after long holds. Therefore I sent letter dated XXXX XXXX requesting fraud investigation ; attached as " XXXX. '' Company did not respond. Therefore, on XXXX XXXX I again called and this time reached an agent who gave the name " XXXX. '' He then said he was in the wrong part of the fraud department and eventually turned me over to someone giving the name " XXXX '' and the ID # XXXX. I was on the phone a total of 33 minutes beginning at XXXX Eastern time. " XXXX '' confirmed that this change is NOT fraud and that CapitalOne is denying me credit ( as their letter says ; see attachment " XXXX '' ) for " our own business reasons, '' and will be reporting the denial to the credit agencies, thereby harming my credit standing. I have a credit score and a FICO score over 800, partly because I am careful to use the smallest possible percentage of my available credit. CapitalOne is forcing me to use a higher percentage by reducing the credit line and is therefore deliberately and intentionally damaging my credit standing.
I am submitting a Qualified Written Request because Cit Bank shows as servicer on XXXX eRegistry and they have not been named or mentioned in a current lawsuit.
I was the victim of identity theft. The credit agencies are refusing to remove or block inaccurate data as a result of the identity theft.
First off ... the balance being reported as of today, XXXX with all three credit bureaus is incorrect. It states my balance is : Real Estate XXXX XXXX Last reported : XX/XX/2018 - {$120000.00} You stated on the response to my complaint : For your records, we are confirming that your principle mortgage balance as of XX/XX/2018, was {$120000.00}. 

*This needs to also be fixed with all the credit bureaus. 

I was to receive an email first regarding the information found by XXXX XXXX after speaking to him on the phone. He advised me that he would CALL me back.

Per all three credit bureaus ... they can not change my credit score per my VA mortgage loan through XXXX. This was told to me on the phone several times with the credit bureaus. Freezing nor not reporting after a complaint is a direct violation and shows once again ... retaliation on part of XXXX since this complaint is directed to XXXX, not XXXX. I have never heard of such a thing, yet only a handful of payments have been reported since opening my VA mortgage loan. 

Per letter from XXXX the final payments had been paid by XXXX as a means to close the forbearance loan. This after XXXX representative, XXXX XXXX misguided me and in turn, XXXX did find XXXX XXXX XXXX negligent. I was also told that my payments would then start reflecting on my credit per month as I have been paying per month, that also included my credit score. I only show 4 payments ... most recent payment for XX/XX/2018 being shown per all three credit bureaus. I do not see one time any increase within my credit score on a VA loan that I have continued to pay monthly.

A mortgage loan should be one of the most single loans that can help increase your credit score. I have paid my payments on time ... yet it does not reflect any points per all three credit bureaus. This would appear to anyone to look as if I am in a rental ... no reflection of helping my credit at all. 

Retaliating against a Veteran .... when filing a complaint, ANY COMPLAINT, should be known to all those who hold a loan with XXXX, as well if connected with XXXX. 
BUYER BEWARE! 

I will continue my complaints until this gets resolved. You may also want to contact each credit bureau on how reporting increases within each loan for consumer credit score works as they advised me on several occasions that the only ones who can change credit scores is the reporting creditor. On my VA mortgage loan that would be XXXX or XXXX. 

It did not take, but less than 24-hours for XXXX to fill out a form and submit to have my VA mortgage loan information corrected. Retaliation by you stating you will freeze any reporting for 2 months by my complaints to the CFPB is just that ... another retaliation. 

The next complaint will clearly show you the correct way that creditors report monthly payments. As XXXX XXXX has done with my loan for years. 

Sincerely, XXXX XXXX 17 year XXXX Veteran
I have XXXX Home Equity Lines of Credit with M & I XXXX Bank. BMO Harris Bank N.A . now claims ownership of these HELOC 's and has attempted several times to coerce me to redo the agreements. They have lied to me, threatened, bullied, misrepresented facts and used predatory practices in attempt to have me redo the HELOC 's. They have finally decided after several threats to " close the file '' to report that I am delinquent on my HELOC 's after paying without a missed or late payment approximately {$120000.00} dollars. After three attempts and different " reasons '' I must redo the HELOC 's, they settled on " your HELOC 's have matured ''. The problem with this and by BMO Harris 's own admission is that the M & I HELOC 's they acquired with the acquisition have no maturity date. They are attempting to scare approximately XXXX customers into redoing their M & I Lines of Credit to improve their bottom line. I believe this is an illegal practice and needs to be addressed properly. Further they are fraudulently reporting XXXX HELOC as a " charge off '' and another as " current ''. This is incorrect reporting to the credit reporting agencies. 
All of this is a result of BMO Harris Bank N.A . claiming ownership of the M & I Lines of Credit, illegally " calling them due '' and then reporting my delinquency to the credit bureaus when it is in fact BMO Harris Bank N.A . that has breached the Home Equity Line of Credit without question. They need to be stopped!
Care Credit XXXX XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I contacted XXXX XXXXXXXX XXXX seeking their help in credit repair on XX/XX/2018. They ask me to pay upfront {$14.00} Work fee and {$120.00} per month for the Premier plus Plan. ( XXXX XXXX offers three levels of service depending on your credit needs for {$89.00}, {$100.00}, or {$120.00} each month after services are delivered. ) *This is straight from their website. Please pay attention to the part where it says " After Services are delivered '' The {$120.00} Premier Plus plan includes the following : Bureau Challenges, Creditor Interventions, Inquiry Assist, Score Analysis, Report Watch, XXXX Alerts, Cease and Desist Letters, Fico Tracker, Identity Protection and Personal Finance Tools. 

Please understand that XXXX XXXX charged me {$14.00} for Work fee on XX/XX/2018 and {$120.00} for the premier plus plan on XX/XX/2018 for the month of XXXX. By Charging me {$120.00} dollars for XXXX for services not yet rendered XXXXXXXX XXXX violated the Credit Repair Act. They disguised this payment as account set up but thats not what they say this {$120.00} can do for their clients. Again this plan says that The {$120.00} Premier Plus plan includes the following : Bureau Challenges, Creditor Interventions, Inquiry Assist, Score Analysis, Report Watch, XXXX Alerts, Cease and Desist Letters, Fico Tracker, Identity Protection and Personal Finance Tools. 

XXXX XXXX violated my rights under the Credit Repair Act. This Act, Title IV of the Consumer Credit Protection Act, prohibits untrue or misleading representations and requires certain affirmative disclosures in the offering or sale of " credit repair '' services. The Act bars companies offering credit repair services from demanding advance payment, requires that credit repair contracts be in writing, and gives consumers certain contract cancellation rights. After 5 days of signing up and paying {$14.00} XXXX XXXX charged me {$120.00} for their premier plan for services not yet rendered. 

A whole month passed and nothing was done on my credit the negative accounts still remained on my credit file. I called XXXX XXXX XXXX on XX/XX/2018 this was 3 days before XX/XX/2018 the day when another {$120.00} for the premier plan was due. XXXX XXXX advertises free cancellation at any time. However to my surprise XXXX XXXX charged me {$100.00} to cancel my account. I explained to them that such practice was misleading and deceptive to their clients because such charges including the ones mentioned on their plan should have a better description on what they are for and also to inform clients that upon cancelation they will have to pay a bill. 

I paid in total {$240.00} to XXXX XXXX I am demanding my money back for violations of my rights and misleading me into paying a cancellation fee which they do not advertised on their website or inform me in advance.
I was considering financing through an auto dealer last XXXX, and did NOT give my consent to run my credit report - or that of my wife. They ran the report anyway which resulted in a hard pull on my credit file, causing my score to be lowered. I ended up financing through my credit union.
I have reviewed my credit reports and have found that I do not recall having an account with Ad Astra/XXXX XXXX. I have previously disputed this account on my credit report to no avail. This most recent dispute was on XX/XX/XXXX. I wrote them a letter requesting validation of the debt. I cited the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) in hopes that they would take me seriously. Unfortunately, as before, they don't. On XX/XX/XXXX I  received documents in the mail that include information from the original creditor, XXXX XXXX. There is also what appears to be a generic " Multi-pay Loan History '' typed up on 5 pages. 

There is NOT a signed contract. In fact, there's not even a contract at all. I know that a spread sheet of sorts is not sufficient to have something placed on my credit.
Creditors Bureau USA has contacted me several times regarding a debt I supposedly owe to XXXX in California. I have asked for verification of the debt such as an order form, doctors authorization, and whether it was submitted to my insurance company if it was a legitimate service, but all they send me is a computer printout saying that is the validation of the debt. I live in XXXX, my doctor is in XXXX, and I find it odd that a California laboratory would be involved in my care. If it was however, they should have submitted it to my insurance and contacted me immediately if there was a problem. Their bald assertion that I owe this money and that it is up to me to prove that I do n't is ridiculous.
I was in XXXX on a business trip and went to an establishment called XXXX XXXX on XX/XX/XXXX. While I was at this club, I realized that I no longer had possession of my wallet. I looked frantically for my wallet before asking a waitress if she had seen it, she acted as though she didn't understand me. I then found the manager and asked him if anyone had turned in a wallet. He acted like he didn't understand the question, but eventually told me no wallet had been turned in. I returned to the table to find my wallet sitting in a spot that I would have noticed when I was looking, but was just relieved to find it. Upon leaving the establishment, I tried to pay for a taxi, and was told the card was declined. I checked my bank account online and realized that someone had, in multiple transactions, taken more than 6000.00 from my checking account via debit card transactions. I went back to the club to confront the manager, but he acted like nothing had happened told me that he was closing. After getting nowhere with the merchant, I contacted Huntington National Bank  customer service to dispute the transactions as fraudulent. I told them that I didn't have my wallet for an extended period of time, and that I did not authorize these charges. I said to look back in my 7 year history as customer to see that spending XXXX in a night is not something I do. I asked why my card didn't stop working to prevent further activity once I hit a certain dollar amount, and I explained that it was a foreign country. To this point, my bank has said that since the card was swiped that they will not refund the money. I am going to be unable to pay my mortgage or other household bills due to all of my liquid money being taken from me in a few short hours. I need to have this money back to take care of my family. Please help. 

Here are the transactions which all occurred in the early morning of XX/XX/18 : XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX This was all of my liquid funds. I have never had anything like this happen to me before in 7 years with Huntington Bank. I was robbed, and up to this point, I have been treated as though I am trying to scam Huntington Bank. Again, Please Help!
XXXX XXXX XXXX is a terrible company. I had aXX/XX/2015 XXXX XXXX that I was financing. I was not 30 days late but was a victim of a XXXX XXXX XXXX. The repair shop reported a illegal lien against me even though I offered to pay. XXXX XXXX XXXX still took it upon themselves to repo the car even though it was paid and have XXXX up my credit with XXXX  and is hindering me from getting another car and personal and business funding. Furthermore to add insult to injury they reported it late to the credit bureaus after repoing the car.
I received an attempt to collect a " debt '' in the mail from Enhanced Recovery Company , LLC ( ERC ). The letter stated " Dear CURRENT RESIDENT : Your recently disconnected XXXX XXXX XXXX account has been forwarded to us to assist you in the resolution of your balance due. Enclosed is a summary of your remaining charges. Please contact us today at the number provided below to pay your balance by phone. Thank you. '' I spoke with a representative at XXXX XXXX XXXX and they informed me that I currently have a XXXX balance and no outstanding balance from my account has been sent to collections. The representative forwarded the issue to XXXX XXXX XXXX 's fraud department. 

I then called ERC and the representative was unable to give me the specifics of the debt and they did not know my name, the representative knew me only as the " Current Resident ''.
My social security card and permit were stolen. I had filed the police report with a lack of support. This year someone has been trying to open cards and cell phone services using my information. I do not know what other steps I should take.
I have disputed XXXX incorrect addresses reporting on my credit with Experian over the last few months. However, I have not had any successful with getting these incorrect addresses removed. So, I need your assistance in getting this matter resolved. The incorrect addresses are : XXXX XXXX, XXXX, GA XXXX XXXX XXXX, XXXX, GA
I recieved a call from a XXXX XXXX from phone number XXXX claiming my husband owed a debt of {$300.00} to a company called XXXX XXXX XXXX.

I also spoke with her superior named XXXX, who said they are a 3rd party collection agency, named XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX.

The company the claim we owe has no website, every phone number listed is disconnected and online numerous complaints that it is a scam.

I contacted my bank and they confirmed we never recieved funds from them and searched multiple months. XXXX was claiming perhaps this was the only acct. they tried to receive payment from. They had the last 4 of my husband 's ssn, our checking acct number and my email address.

They claimed we owed {$480.00} and they got very defensive which was quite odd when I simply asked for the contact information for the company.

Supposedly they say they marked my file as disputed and that XXXX XXXX XXXX. will figure out how to contact us from there.
On XX/XX/2016 I started my refi with Citi Mortgage. It was to close by XX/XX/<YYYY> I uploaded all of the required documents to the Citi website on XX/XX/<YYYY> The appraisal was completed on XX/XX/2016. I contacted the processor at Citi on XX/XX/2016 to get the status and was told XXXX additional items were needed. I submitted the XXXX items on the same day. On XX/XX/2016 the refi still was not closed so I talked with Manager XXXX XXXX. He said he understood my frustration and would have the underwriter review my documents. Today is XX/XX/2016 and my refi is still not closed even though I was told the underwriter was reviewing it on XX/XX/2016. I talked to Manager XXXX today, XX/XX/2019, and he said he communicated with the Underwriter Manager to expedite my closing.
I submitted a CFPA complaint on BOA last week. In response, a rep from BOA " collections '' left a VM, with a name and a 6 digit extension. Neither he, nor the ext. number given exists. I placed 6 calls, to the number given, stating it was " a debt collections department '', leaving messages, in response to a CFPA complaint, on what ever voice mail I got, using the 6 digits, yet getting a different persons VM each time, always requesting, to be routed to the correct department. It has been a week, and I have yet to receive another call. 

PREVIOUS COMPLAINT SUBMITTED : My credit line with BOA credit card was drastically, unjustly lowered, with out merit, from approx. $ 33k to {$1200.00}, a week after, I refied, consolidated, paid off the majority of my credit cards in full, including $ XXXX to BOA. 

BOA 'S MERITLESS ACTIONS HAVE DRASTICALLY EFFECTED MY CREDIT SCORE, ABILITY TO GAIN CREDIT, AND QUALIFY FOR A CONVENTIONAL LOAN. 

As my credit score would have risen, after my credit debt was paid off. In stead, after BOA 's actions, based on no merit, my score has decreased substantially, making all of this impossible now. 

I have been with BOA for approx. 20+ years, always with an A rating always paid on time.I have had a long relationship, various business, personal, and merchant accounts. 
In X/2016 I refinanced my home to an FHA % 3.27, and paid off 3/4 of the balances on credit cards, LOC, and cashed out $ XXXX, still retaining a 2.1 loan to value. 
In XX/XX/XXXX my Refi FHA Mortgage Loan was $ XXXX, appraised {$1.00}, comp value {$2.00} - XXXX. So my financial and credit situation improved with these transactions. In addition, I my credit was good enough to have qualified for an FHA loan. There were no derogatory information on my credit reports, and all in good standing, then and now. 

I completely paid off this BOA account, wanted to retain this account to use, for medical, etc. only when and if needed, due to the low % rate, and relied on having this credit available. And due to my credit history and long relationship, I was receiving a low 6.99 % rate on this account, with an A rating. 
Directly after pay off, in XX/XX/XXXX, a week after refi, BOA drastically lowered my credit limit from {$33000.00}, to {$1200.00}, stating inaccurate, unfair, and false information. As my financial situation IMPROVED with my refi lowering my % on mortgage , % on credit, and pay offs, and my monthly overhead was lowered by more than 35 %. 

Therefore, I believe that BOA committed ANOTHER act of fraud, and MORE unfair business practices. 

NOW you can add their call back rouse, their " attempt '' to address CFPA complaints, to these unfair fraudulent practices. 

In addition, any corespondense from BOA, must be in writing, with contact phone numbers and extensions for REAL people.
Within the last 2 days, a company called Credco, formerly Core Logic did a hard inquiry on my credit without my consent. I have not applied for any type of loan or done anything to trigger a hard inquiry. When I called Credco they could not find any hard inquiry done by them based on my name and social yet they refused to fix the problem, blaming other companies. They suggested that I call the name and number associated with the hard inquiry. The name is CREDCO and they answered the number I called. They caused my credit to plunge by 31 points by doing this! I did NOT authorize this and I want it REMOVED.