WillisBack/dataset-financial-user-claim huggingface dataset:
Started XXXX/XXXX/2016 at XXXX XXXX ( my caller ID on my phone showed that it was a XXXX NC call ) It was pre-recorded message on a man talking very loudly about 'settling your debt now. ' My mom answered the phone as I was n't home. I tried calling the number back, I heard what sounded like bongos being played and obviously someone picked up because I heard a wicked/evil type laugh, then I was hung up on. XXXX/XXXX/2016 at XXXX XXXX, I get a call, the same number and same caller ID information as from the last call-the man was caucasian and very loud on a prerecorded message saying 'this is your final opportunity to settle your debt at XXXX % off, press 1 now to speak to a representative. ' I pressed one, another recorded voice said to press 1 again, so I ended up pressing 11 ( I wanted to see for myself what kind of company or who they were trying to get ahold of, etc ) and it rang and then hung up. The strange/scary thing is, I DO NOT have any debt and no collection agency is after me.
Ocwen Loan Servicing lied to a Federal court and indicated to them that they were my Lender and held first position as Lien Holder.  Evidence showed that Ocwen was not my Lender but XXXX and Ocwen had submitted a Fraudulent Title search using their own personal Title company to do the Title search, submitted the Fraudulent Title work to XXXX, Director of FHA .  They then sold their Servicer Contract to XXXX, another Servicer, a couple of months or so ago when it was discovered that they had submitted a Fraudulent Title to the Director of FHA, XXXX who indicated to them not to pursue a Foreclosure on my Property because FHA had an invalid Lien on my Property..  It has been found that both Servicers pursued Fraudulent Practices in underwriting, processing, closing and Mortgage Fraud.  Both Servicers showed that they escalated the amount of payment $XXXX 0f money fraudulently and statements is evidenced.  Hence, I am asking that the License be suspended and Revoke of Ocwen Loan Servicing and XXXX and their Records all be Audit.  My phine number is XXXX
On XXXX XXXX, 2017, I sent a certified letter to Portfolio Recovery Associates to verify a debt and the debt was not verified. I requested specific requests for original documentation and none was provided.
To Whom It May Concern : My loans, which were initially with servicer XXXX, were set for repayment in XX/XX/XXXX. I signed up for an income base repayment option at this time ( I was in XXXX  ). In XX/XX/XXXX I entered into a Public Service Loan forgiveness program and my loans were transferred to XXXX XXXX. This company was suppose to back track my qualifying payments and count them toward my forgiveness ( The XXXX that I was working at was non-profit and qualified ). Unfortunately, this was never done. I called several times and submitted several complaints. They state they have my file and it is in the process of review. They state ; however, that there is no one who reviews these cases. They can not direct me to a manager or reviewer. They acknowledge over the phone that these months should count, but have failed to correct my qualifying payment number. This has been ongoing for 9 months. I would like the months of XX/XX/XXXX-XX/XX/XXXX to count toward my total number of qualifying payments under PSLF. 

Thank you for your time, XXXX XXXX
An attorney 's office acting as a debt collector has been assigned a debt that has been reduce to judgment. The debt has not been collected upon for nine years. I have tried to communicate with collector. But the refuse to discuss account ecause they say my social security number does not match their records. I have disputed account and asked for verification but they have not responded.
Rented an apartment. Father was supposed to co-sign- however he never filled out documents so the apartment complex filled it out fraudulently and claimed I had and are charging both me and my father for their mistakes, negligence and lack of detail!!
my mortgage has been paid off since XX/XX/XXXX through the bankruptcy of XXXX XXXX. Ocwen reported this to IRS that the debt has been paid in full. my property has a pre-foreclosure notice since XX/XX/XXXX and I sent Ocwen a " written request ' to justified the mortgage debts that balloons up to {$3.00}. XXXX. Today, XX/XX/XXXX, I received their response and have no intention to correct any errors on their records. Ocwen fraudulent misrepresentation is still continuing to affect homeowners of their deceptive practice of collecting a paid off debt. The XXXX XXXX penalty is not a deterrence for them to follow the government regulations, for Ocwen, it is still business as usual even though there was a pending lawsuit against Ocwen in Florida by CFPB, not updating their records through their use of technology that spits out incorrect information that damage homeowners as a whole. I can provide documentation to prove their misconduct. thank you.
I have disputed XXXX ( XXXX ) accounts with XXXX XXXX on my credit report. The original creditor has considered the accounts to not valid. Experian has not provided me with any information to validate the investigation, and has told me that they will not investigate it again, nor do they have to provide me with any information about their investigation.
XXXX from XXXX has called my kids and my ex husband telling them about the auto loan they claim I owe. is n't it illegal for them to tell other people about the debt? XXXX is extremely rude.
XXXX XXXX XXXX pa, XXXX XXXX Account # XXXX no contract or no signature
I 'm a single mom with XXXX young children and I 've paid over {$60000.00} for the place I 've been renting for the last XXXX years and it 's now in foreclosure. The compressor on my air conditioner blew on XXXX XXXX and when I contacted American Mortgage Investment Partners, the company handling the house for XXXX Bank, they said they do n't take ownership until XX/XX/XXXX so they wo n't do anything until then. The managing partner, XXXX XXXX, told me to pay for it myself or go buy a fan and wait it out. I will not buy an air conditioner for a bank! Please repost!
I am writing to dispute the following information that your company provided to all XXXX major credit bureaus : XXXX, and XXXX. I have circled the items I dispute on the attached copies of the credit reports I received. 
The item that I am disputing is the second reporting from your company of my XXXX student loans on my credit bureau. According the Fair Credit Reporting Act, you have a responsibility to report accurate information on my credit bureau, currently it appears that I have a total of XXXX loans with your company with the continued reporting of the XXXX accounts that are closed. I was recently made aware of the effects of your company reporting my student loan 4 times, XXXX sets of XXXX accounts, when I was applying for the FAFSA for my daughter and was denied aid. I contacted the U.S. Department of Education in an attempt to rectify the situation when they informed me of how your company is currently reporting my student loans. They advised me to contact your company and request that the additional accounts be removed. 
I did contact your customer service department and when the representative would not acknowledge the error, I requested to speak with a manager. The manager informed me that your company changed computer systems and that all accounts were reporting double on credit bureaus because there was no other way for your company to capture the delinquency and history of the account. While, I am not disputing the accuracy of the reporting of the account, I do not think that because your company could not manage to transfer the history of your customer accounts during the computer system change, your customers, including me, should be impacted by something that was out of our control.
My student loan was transferred from my previous servicer to FedLoan Servicing based on my submittal of a XXXX XXXX  Loan Forgiveness form. Since then, my experience with FedLoan Servicing has been nothing short of disgusting. They have mishandled applications and submitted documents, miscalculated payments, placed me and my wife in the wrong repayment plan ( repeatedly ), lost or " misallocated '' my payment records and more. I have been working with them again, for the past three months, to resolve the most recent problem surrounding my PSLF eligibility. I was supposed to be in an income-based repayment ( IBR ) plan, as required by the PSLF program, and was repeatedly assured that I was. The Supervisor I spoke to in XXXX informed me, quite rudely, that I had NOT previously been on a IBR, as I was informed, but rather had only been on one since XXXX. This was shocking enough, until today (XX/XX/XXXX ) when the representative and supervisor I spoke to at FedLoan informed me that actually, no, I have n't been on an IBR plan for almost two years.
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I have been a XXXX XXXX for 15 years and have faithfully made 10 years of payments, as I thought I was supposed to. And now that the loan forgiveness date is approaching, only now am I being told that the last ten years counted for nothing. Additionally, when I learned of this from FedLoan and asked what could be done, since I had followed their direction, I was treated with disdain. The supervisor I spoke to in XXXX was cold, aloof and acted as if she was personally paying off my loan under the PSLF, stating " Well if you 're asking me to forgive thousands of dollars of debt ... '' Additionally, my monthly payment was recently quadrupled due to a small increase in my family 's income, so I am currently attempting to lower my payments. Yet every time I call, the representative gives me a different payment amount ranging from {$38.00} to {$250.00}, and each of them swears it is the lowest possible payment available and can not see how the previous representative came to the payment amount they did. When my wife called, she was told the lowest possible payment ranged from around {$200.00} to over {$600.00}, again each of them swearing there was no lower payment possible under any plan. It is inexplicable.
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My wife 's and my every contact with FedLoan Servicing has been rife with incompetence, if not downright deception. I do not understand why, if you contact them and say " I want the lowest possible payment, under whichever plan that would be '' can they not come up with a consistent answer. Lastly, I was beyond distraught to learn that the last 10 years of payments I have made have counted toward nothing under the PSLF program, despite me doing everything I was directed to do.
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Thank you for your time and I pray you 'll be able to do something about this company before someone else is negatively affected.
This company has been notified on several occasions in regards to credit report removal ; however, it 's been removed from  XXXX  but still reporting as an closed account on  XXXX , and still opened on  XXXX  and also on  XXXX . This company has violated several FDCPA laws and regulations that 's the reason it 's been disputed and had to be removed from my credit, but it 's still effecting my score and putting a strain on my life. I need this completely updated and removed from my credit ASAP! Otherwise I have no other choice than to pursue further whic h may re sult in a lawsuit.
On XXXX/XXXX/2006 I bought my home, the 30 yr. loan amount was for {$160000.00}. Ten years later I still owe {$160000.00} after paying over {$100000.00}. A few years back I had some heath issues and fell behind in payments and Wells Fargo offered me a modification which also extended the loan to forty years. I was on XXXX at the time but was desperate to save my home. After my head cleared and it set in what I had done I figured that was that. With Wells Fargo being accused of so many shady practices I thought that I would check to see if I had any options. Any help would be much appreciated.
In early XX/XX/XXXX we received a statement showing a payoff amount and due date of XX/XX/18. XXXX XXXX   proceeded, with no notice to us, with reporting a 60 day late report on an amount that was included in the payoff statement that gave us a due date of XX/XX/18. They reported to the credit bureau without notification except for another payoff statement sent out in early XX/XX/XXXX, again showing a due date of XX/XX/18 for the total amounts including late payment amounts.

This payoff information was misleading regarding the payoff due date and amount. See attachment for a full account of what has transpired. 
Thank you! 
XXXX
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
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Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
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Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
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XXXX XXXX XXXX " NO ACCT # '' UNVERIFIED/NO CONTRACT
I receved a notice from the bank ( dated XXXX XXXX, 2017 ) that indicated that my 4 accounts were going to be closed. I contacted the bank via phone and in-person to get a better understanding of nwhy the accounts were " pending closure ''. Each attempt was unsucessful in obtaining a resolution.
An account reporting as a collection and open is reflecting on all three major credit reporting agencies with a balance of {$840.00} as of XXXX2017. This account did not derive from a consumer credit transaction, contract, or agreement and should not be listed on my credit report as a collection. I have not received any communication on such said overpayment. Per the Attorney General is upward of 31 states including my State Indiana, debts that do no derive from consumer credit transactions should not be reported to CRA ( credit reporting agencies ). XXXX XXXX & Experian are all three violating my rights by reporting these transactions. In addition the contact phone number for this account that is reflected on my report is a non working XXXX number XXXX that does not provide any further contact number to reach the listed account information provider ( Dept of Veteran Affairs )
I was working with a law firm for a modification on my home. This started XX/XX/2015.my trial period was XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which the payments were made. I was supposed to receive my finalized paperwork which I have not received. XX/XX/XXXX I noticed my mortgage statements were showing in arrears of {$10000.00}. I contacted the law firm and they submitted everything that was needed and this was finalized, so we thought.
XXXX XXXX Experian XXXX XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX THIS IS NOT MY ADRESS XXXX - REPORTED XX/XX/XXXX THIS IS NOT MY ADRESS ADDRESS : XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX PLEASE UPDATE MY ADRESS TO XXXX I BEEN LIVING THERE SINCE XX/XX/XXXX The itemslisted areclearly fraudulent ; therefore, I am requesting that they are deleted /blockedby name of source. In addition, A CRA must block the fraudulent informationand the victim must be identified within four business days after accepting his/her IdentityTheft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c- 2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blockingfraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX
I was shocked when I reviewed my credit report and found late payments on an item/account that I had taken care of years ago and paid it off completely. I've called Toyota Financial Several times and spoke to dozens of representatives where I was told that they will submit a change to my credit report to reflect paid as agreed, never late. I am not sure how this happened, but I made my monthly payment as required by the contract, but I believe the dealership added extra products that subsequently changed the terms and contract without my knowledge. I clearly remembered dealing with your toyota dealership to removed the extras that was added. It was then removed, and i'm not responsible for the extra fees.
XXXX account showed up on my credit report recently I have n't had XXXX since XX/XX/XXXX. I paid off all of my debt with XXXX before I canceled. I do n't know why it was reported because I do n't owe them anything I contacted the debt collector and they told me to email a dispute to them and then forward it to XXXX before I did that I contacted XXXX and they told me they do n't have access to my account anymore. And that I owe money in which the case I do n't. XXXX told me they sold my account to a debt collector in XX/XX/XXXX and it has recently shown up on my credit report In XX/XX/XXXX and neither companies are providing me with information in regards to this Debt that I owe which I wasnt aware of until recently. The debt collectors are giving me the runaround and they are not being honest with me
I have complained to XXXX XXXX and filed a complaint with the PA AG 's office. This account was overcharged for usage and wireless internet access for over XXXX months. Now XXXX is filing a write off on my account for XXXX when in fact they have overcharged me over XXXX dollars in the past XXXX years. Per the PA AG 's office I will be filing a district magistrate request for hearing shortly to get my funds returned. This is reported on Transunion and XXXX credit reports.
In  XXXX  of  2016 , I became separated from my wife. She returned to the household without permission in  XXXX  and my daughter and I moved out in  XXXX . I had to change account information in order to protect myself from her paying off her credit cards on her own account. So used checking account to pay off Mortgage Payment in  XXXX  and  XXXX . The letters were sent out and postmarked before the end of the month, but  Ocwen ma rked them as 30 days late because their processing was a few days after the end of the month.     Ocwen has processed loans later than the beginning of the month but has never reported me as late. They have responded with form letters and sent me a list of dates when my loans were processed which included payments posted after 30 days which they received within the 30 day window. I have requested info but so far I can only access the last 12 months. I have request the date received on these payments and they can not supply them. They do n't know when they got these checks so how can they penalize me and ruin my credit arbitrarily.     I have included the  XXXX  payment that was accepted on the  XXXX  and not marked late. I have included my letter to Ocwen.   When I did an adjustment to my mortgage they told me that they could n't consider it until I was at least 60 days behind and then they processed the adjustment internally and did n't defer the three moths payments and caused derogatory credit marks that my relationship manager failed to disclose would carry over after workout period.   My daughter 's medical issues and impending divorce are problems compounding their arbitrarily trashing my credit report and I am grateful for your intercessation and available at  XXXX  to discuss.       Thanks for your help,  XXXX   XXXX
XXXX XXXX XXXX is reporting several accounts on my credit files and has not validated any of the debts. XXXX XXXX XXXX began reporting XX/XX/XXXX. After I learned of this I contacted Midland several times XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently XX/XX/XXXX. Each time I asked for validation of the alleged debt. Midland responded that they were uncertain of what I am specifically disputing.
I have used American Express prepaid cards from XXXX for many years. I usually keep a few as I use them as gas cards when I purchase gas for my RV as we are retired and travel all the time. My AE prepaid cards quit working and AE said I had to fill out a " Who are you '' form on the internet before they would be reactivated. The form wanted my social security number on it so I questioned why a " Travel Agency '' needed my social security number at all. I protect my social security number as well as I can and only give it to institutions that really need it for financial reasons relating to the IRS. I probably have about {$3000.00} on these cards and I ca n't seem to get AE to tell me how to get MY money back from them. I have used these prepaid cards for years and have never had this problem before.
On XX/XX/XXXX, we were pre- approved by US Bank for a Motgage loan of up to XXXX, We were wanting to see if we could buy a house where I boy XXXX, after the approval we found a home for XXXX called the bank got the paperwork started and on XX/XX/XXXX, everything was approved and we actually signed paper work and the appraisal was ordered, they had called my insurance company on XX/XX/XXXX, to get insurance coverage. They emailed me XX/XX/XXXX to get drivers license copies which I know is down to the final closing part, and bank statement copies to verify closing costs, on Thursday XX/XX/XXXX, I had called to get a payoff to move my business loan to another bank. On that next Monday, I received an email saying they could n't do the loan, reason debt to income ratio, I actually took all info to another bank and they had said our income to debt ratio was well within the guidelines, I actually later found out the appraisal was cancelled at XXXX XXXX on Friday XX/XX/XXXX and also had found out that US Bank owns the appraisal company there. We believe the appraisal had already been done but they worked the paper work to say it had been canceled.