WillisBack/dataset-financial-user-claim huggingface dataset:
Ocwen Loan Serving XXXX I first reinstated my loan with this company by paying a reinstatement payment, while filing bankruptcy, was making agreed payments each month, became XXXX, XXXX thing lead to another, but I paid the reinstatement before any finalization of the bankruptcy, in XX/XX/2016 I paid Ocwen in full and have the letter as proof XXXX, XXXX + but they refuse to report that I paid this house off to the credit bureau 's and the XXXX credit bureau 's are not helping me even after sending in the copies of all paperwork and receipts of paying this house off. I feel as if I am being mistreated unfairly and not given my correct credit scores and ratings because of this, I did the right thing by trying to correct my mistake of my financial mistake, but by doing so I am getting the bad end if they can not report the correct information and say they got there monies for this property I would like my monies back so I can go purchase a home for me and my child. or I will take legal action.
On today 's date XX/XX/XXXX, I called my credit card company to see why my card was being declined every time I used it. They advised me they input my address wrong and when they issued me a new card, NOT at my request, they sent the card to an undeliverable address. So the card was sent back and they deactivated the card I currently hold in my possession. When I asked them to reactivate the card I have they told me they could not and that I would have to wait 7-10 business days to receive the new card that I NEVER asked for. The card I currently hold does not expire until XX/XX/XXXX. I asked to speak to a supervisor regarding this. After speaking to the supervisor, whose name I regrettably did not ask for, I requested to speak to her supervisor. While waiting for that supervisor they disconnected the line on me.
XXXX XXXX, 2017 I am having problems with Bayview Loan Servicing , LLC. 
They do not acknowledge the receipt of my e-mails, letters, or faxes. 
They do not acknowledge the payment made for my Trial Payment Plan - Loan Modification. This is a  continuing challenge. 
I have been trying to get them to answer two letters that my wife sent them. 
One letter was sent on XXXX XXXX, and the other on XXXX XXXX, 2017. 
I have questions regarding the Trial Modification Plan - Loan Modification. 
However, BLS refuses to answer my questions, and let me know that if I did not accept the Trail Modification Plan - Loan Modification the way it is by XXXX XXXX, 2017 they will proceed with a Foreclosure Trial on XXXX XXXX, 2017. They are in total violation of the T.R.I.D act. How can Bayview Loan Servicing , LLC continue to do business in the U.S.A.? Their President is the former COO of XXXX XXXX which is under investigation for fraud.
I just started phone service with XXXX XXXX and this is the telephone that was assigned to me. I informed Progressive Financial Services that this was a new number to me and to please stop calling because I am not the person that they are looking for. They still have n't stopped calling. 
Their number is XXXX
The following unauthorized inquiries appear on my respective credit reports : Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I have a USAA credit card, -- -- -- -- -- -- XXXX. 
USAA Bank allowed a {$3000.00} + charge on my account using someone else 's credit card, their number is, -- -- -- -- -- -- XXXX! 
That is not my credit card number! 
That is illegal!!! 
USAA Bank says that is to bad, and that it does not matter to them, and that I still owe the {$3000.00} plus interest!!! 
I was not able to get an XXXX, so I took off work, and paid XXXX {$150.00} and shipped the merchandise to the USAA Bank!! 
USAA Bank said that makes no difference to them and that I still owe them {$3000.00} plus interest!!! 
I have been with USAA for more then 26 years, I have never been even late with a payment, and this is the way they treat their customers!! 
MILITARY PEOPLE, AND ALL PEOPLE, STAY AWAY FROM USAA!!!
In XXXX, I was approved for a XXXX XXXX XXXX XXXX XXXX and gladly accepted. I was told by the store associates that I would receive a coupon magazine and my card within the month. It is now XXXX and Ive yet to receive my credit card from them. I made a late payment on XXXX XXXX, XXXX, and was told by the customer service representative that my card would be in the mail. Sometime in XXXX, I made a purchase in the store and the clerk was able to use my social security number to process my payment through the credit card company. I informed her Id never received my card so she called customer service. They, again, said my new card and vouchers would be sent out and I should receive it by the end of XXXX. I have not received my credit card, attempted multiple times to contact them so my card could be sent, and each time Ive been told it will arrive. It never does. On the card includes a number to call to make a payment. Since I dont have that number, Im forced to wait until my bill comes in the mail and interest has accrued even though I want to pay it off before then. Oddly enough, they have the correct email, phone number, and address since I do get a bill, but they cant seem to send me my credit card.
I contact transunion and XXXX XXXX since XX/XX/2018 ... I went inside of XXXX XXXX and purchase some items and they told me that they update the account every month on the XXXX ... well as of now my account is still not updated with genesis financial or transunion ... when I contacted transunion they said the have no updates from my creditor XXXX XXXX ... and when I contacted genesis financial they are saying they have reported to transunion.. I am just confused and need this account updated on my transunion report thank you! When you for merchandise it should be updated
JMAC Lending contacted the mortgage broker I used and stated we provided information that was " not factual '' and they were starting proceeding against XXXX XXXX and XXXX XXXX and reported it to the FHA. I called them and told them it was factual and I could provide proof. I sent them a signed statement from the person that was my immediate supervisor and it stated I was still an employee at that time in question and they have apparently decided to ignore me because I ask to be informed about the process and I have not heard from them since. I would like to clear this issue up as soon as possible. 
Thank You XXXX XXXX
As of XX/XX/18, monthly statements which indicate interest charged are not available online. The interest rate and balance are shown, but in order to find out how much interest is being charged monthly, you have to call Navient. This seems like a deliberate attempt by Navient to withhold information from their customers.
XXXX XXXX XXXX reported I had XXXX late payments to them. I have never had an account with them. I paid an auto loan off with XXXX in XX/XX/XXXX. XXXX XXXX finance bought out XXXX in XX/XX/XXXX an are saying they used information from the acquired XXXX account to report late payments. XXXX XXXX XXXX said they would send me information proving the late payments but has not sent me documentation of any kind.
Paid debt on XX/XX/2016. There is no law REQUIRING a debt collection agent to keep a debt on a credit bureau file once it is paid. I have had several removed already, but Meade and associates will not remove a paid file from the credit bureau. They insist on keeping it on their and it reflects as derogatory credit. There is no LAW requiring this. This is the only company who has refused to do this.
I have contacted Transunion, XXXX, and XXXX several times via phone and online many occasion in regards to inquires that I did not authorize or was not familiar with. It makes it look like I have been begging for Credit and I have not. I am trying to refinance something in my credit file and it makes it difficult when theyre checking credit and I have i inquires from places I didnt inquire Credit from. I have disputed and reached out to the bureaus several times and they say the same thing over, and over and sometimes they even hang up. The following inquires where not authorized are the following : XXXX XXXX XXXX, XXXX XXXX,XXXX XXXX/ XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX/XXXX
On XXXX XXXX, 2017 Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
During  XXXX  a property tax dispute caused me to get behind on monthly payments to  360 Mortgage. 360 pursued what I deemed to be a wrongful foreclosure. ( Please see 2 prior CFPB complaints for details ). Fort unately the foreclosure was completely 'cured ' in  XXXX  of  XXXX  and all court action/s dismissed.     Even so, as of  XXXX / XXXX / XXXX  my home is listed on a public web-site as in foreclosure. Apparent ly 360 while pursuing a punitive foreclosure based on a very credible difference of opinion h ired  XXXX   XXXX   XXXX  to market my home for sale.  XXXX   XXXX   XXXX  then published information on my house, that as of  XXXX   XXXX ,  XXXX , has not been removed, updated nor corrected. I recently sent 360 and  XXXX  instructions to take down the false information and immediately stop advertising my house as in foreclosure or having been foreclosed.     This information has resulted in damage to my credit, my ability to get a new job and/or my ability to transact business.  360 Mortgage demonstrated bad faith throughout this process and their failure to remove this information and/or instruct their vendor to do so continues a pattern of horrible market conduct that should be punished. 360 wrongfully pursued fore closure and then continued to market my house for months directing others to publish false, inaccurate, and incorrect information.     I spoke with  XXXX  at length and they assured me they were simply following the direction  of 360. I put both 360 ( and it 's foreclosure atty  ) and  XXXX  on written notice of this issue. As usual, I have yet to get a response. 360 has again demonstrated unfair trade practices, and perhaps breached RESPA requirements/standards.
We have been pressured by Webster to go along with their requirements in our short sale although we were able to show hardship thru divorce and loss of income. Despite our attempts to work with them, they would not budge. They told us if we did n't make a decision in 24 hours they would take us to court. Although it would strain us, we agreed from fear. Once we agreed, we sent them a money order immediately and signed the agreement. It has now been a month and they have not fulfilled their obligation. Our short sale is in danger of falling thru and we would be forced into bankruptcy.
On XXXX XXXX, XXXX I went to XXXX XXXX XXXX XXXX share branch which is XXXX XXXX on XXXX XXXX XXXX. in XXXX XXXX, XXXX and made my loan pymt. The amount I paid was {$350.00} I forgot to add the {$.00} to my check. On XXXX XXXX, XXXX I received an email stating I was 30 day 's past due for {$.00}. XXXX  XXXX called me for 5 day 's about {$.00}.
My fathers wife had gone into the hospital on XX/XX/XXXX, very ill. When we found out that he needed our help my father was beside himself since his wife always dealt with every day expenses. My fathers wife wrote checks for the bills as well as for cash at the bank so to have cash on hand. On XX/XX/XXXX she wrote her last check for my father to cash at the bank, it was for {$500.00} for breakfast and supper he eats on a daily basis. Later in the month I had taken my Dad back to bank to see if he would sign a withdrawal slip which was completed by a bank representative for {$4000.00} and it bothered the bank but at this time my fathers wife daughter was staying with him and she had no interest in taking care of him, she had gone in once from what I was told trying to get into their account, but was unsuccessful. I was told as long as my Dad had checks he could get cash out of his account. When his wife pasted on XX/XX/XXXX they had paid for where to bury in XX/XX/XXXX but the crypt to open and close it, had to be paid first so in order to bury her we went to the bank to get the money which was {$1000.00}, this was on XX/XX/XXXX, One representative talked with us and had done a withdrawal slip and my Dad signed it, she also took and copied the Death Certificate, then came back and said that she would not allow my Dad to withdrawal the money, that he was not capable of knowing what he was doing. My Aunt is the executor of my Dads wife 's will she was with us plus she had to lend us the money to open and close the crypt so she could be bury the next day, Saturday the XX/XX/XXXX Since then we all decided to avoid the bank but my Dad wanted to get money to take care of himself and his pets, we just paid with what we had until it was more than we could take, his money is his and he should be allowed to it. On XX/XX/XXXX was the first day at the bank and when they had flagged the account and tried to say that he was not capable of what he was doing, I was on the phone with the FCC which connected me to you. I also told them that no one has gotten any report from a doctor saying that my Dad is not capable of getting money to take care of his needs, to do the bills is a whole other story, his wife did the bills. He was able to get the money but I was told just this one time, now I have POA to help him.
I can not dispute the issue with the credit reporting agencies, I went through the FTC to get my XXXX annual reports I received the first XXXX from Trans Union and begin to dispute an incorrect issue after that each of the agencies including Trans Union challenged my identity. Sense my identity was already accepted by the FTC and by the agencies in question this is obviously a move designed to prevent people from improving their credit scores or from challenging corrupt corporate practices. The last time I did this I went through the process with free credit report.com back in 2003 never got a credit report from them either same answer disputed identity. If I am accepted as me in advance at all the questions when the process starts I 'm still me when it finishes! This used to be called stonewalling and although it requires a specific law for each form I 'll bet this is illegal.
To Whom It May Concern. 

RE : RECEIVABLES PERFORM MGT/XXXX   Agency name RECEIVABLES PERFORM MGT/XXXX Agency number XXXX Original creditor XXXX Good Afternoon, I am in the process of purchasing my first home, and my closing was canceled due to this collection showing on my credit report. I don't have a clue who this company is and they claim to represent XXXX XXXX and XXXX XXXX. I currently don't have, nor have I have incurred any debt with this company. The representative was extremely rude and hostile. They advised me to ay my bill and that even if wrong info on file, I must pay for them to remove. I reiterate i don't have an account with the referenced creditors ( They seemed lost and no accurate information was verified other than my name and not my middle name ). 

Please help me remove this erroneous information, which is a violation of my rights and the fair credit reporting act. 

Kind Regards, XXXX XXXX XXXX
Debt which is not owed. All equipment was returned to the school. This is not accurate and I want removed off of my personal credit file
A fraudulent credit card transaction ( XXXX ) was made to my Macy 's account while I was on vacation ( XXXX XXXX ). At this time, my balance was zero. I only use the card at Macy 's and use is sporadic. Due to changes in the Macy 's website I was unable to get online and check the account and had statements received electronically only. In XXXX, I received a new card from Macy 's, but was unable to verify the card due to problems getting online and could not activate the card until I called them. The card was activated, but I was told their was an unpaid balance. Since I had made no charges, I asked for paper statements. I called back to say the charges were fraudulent. I was told the charges would be removed while investigations proceeded and to call back and verify in ten days. Called back and they had no record of this call, so I started over and filled out their forms for fraudulent charges. Got a new card. Ca n't access most portions of the bank website, nor use the card for Macy 's transactions. Talked to tech support who indicated the account was locked. The XXXX statement balance was XXXX due to fees of XXXX the balance was transferred to the new card and the XXXX statement was XXXX. They credited the XXXX and XXXX of the prior interest and fees, and said I owed them XXXX in fees and interest that was not disputed. But these are related to the fraudulent charge. I have called and talked to XXXX individuals and sent XXXX secure messages, and written letter on XXXX XXXX, but they say they will remove these fees but never do. so the account remains locked and the card unusable. I HAVE NOT USED THE CARD SINCE XXXX. THE BALANCE SHOULD BE ZERO. I keep getting different numbers to call, all of whom claim to have fixed the problem but nothing happens. I have missed the holiday sales as a result.
XX/XX/XXXX, I was sent a copy of change of terms letter -dated XX/XX/XXXX, from us bank concerning XXXX change, from XXXX XXXX rewards visa credit card to XXXX XXXX world MasterCard , which stated the new card would be received between mid-XX/XX/XXXX and XX/XX/XXXX, by me.letter stated that my old Visa card would deactivated 60 days after my old card is issued or 30 days after I activated my MasterCard.i never was sent my new XXXX XXXX MasterCard by late XX/XX/XXXX.my XXXX XXXX Visa card was carelessly deactivated by us bank-XXXX, at least.late XX/XX/XXXX.i could not make purchases and my automatic payments were  found to be rejected, in late XX/XX/XXXX and XX/XX/XXXX and probably XX/XX/XXXX.us bank and XXXXboth lied on change of terms letter, because I finally called us bank to ask why my card would function, then I was told by a representative that my XXXX XXXXXXXX   Visa card had been deactivated, even though I had not received my new XXXX XXXX MasterCard by XX/XX/XXXX - XX/XX/XXXX.i had to request a new XXXX XXXX MasterCard in XX/XX/XXXX,  but advertisement latter that the new card arrived withinhad XX/XX/XXXX marked on bottom of letter.us bank representative falsely told me that I would receive two XXXX XXXX rewards cards in mail, but I only received the XXXX XXXX MasterCard from XX/XX/XXXX requested order, which means no new MasterCard was sent to me, in XX/XX/XXXX-XX/XX/XXXXas stated on XX/XX/XXXX letter.i had no new MasterCard to issued, at time of XX/XX/XXXX nor did I posses a new MasterCard to activate 30 days before  deactivation.therefore, my automatic payments were being rejected, changed, etc. and could not make purchases with my deactivated XXXX XXXX card.after, activated my XXXX XXXX MasterCard in mid to late XX/XX/XXXX, then all my automatic payments obligations needed to charge double for my needed insurance and health care discountaccounts, therefore, all three automatic payments overdrew my new XXXX XXXXXXXX MasterCard. Why did us bank and XXXX abuse me, in this way?
Love, Beal & Nixon were notified that the debt they are collecting for XXXX XXXX XXXX XXXX XXXX was the result of identity theft. They have been called and the identity theft report has been submitted. LBN is currently garnishing my pay and has made no effort to cease collecting or stopping the garnishment.
I submitted the official mail-in request form from the FTC for my free annual credit report from the three credit reporting agencies. 

TransUnion responded to me by mail with a bill, saying that they will not send my report unless I send them additional information by mail and have also requested that I pay them {$9.00} for this report. 

They claimed in the letter that they can not verify that I live at this address even though I have lived here since XX/XX/2014, and I have ordered credit reports at least twice from this bureau at this address. Their file on me should have this address as indicated on prior year reports. So they have either mishandled or lost my information since the last request, or they have lied in this letter. 

I believe this is an attempt by TransUnion to get out of their obligation of providing a free credit report, by making the process more difficult, and I also think they are trying to scam me out of paying {$9.00} for this report with the included bill, that asks for a credit card number, and expiration date in order to process the application. The included bill makes the payment look like a requirement in order to proceed. 

TransUnion is obligated to provide this report for free annually at my request and I think they are failing their obligation by falsely stating they can't verify my address and delaying the process and deceptively sending a bill asking for payment which goes against the spirit of The Fair Credit Reporting Act. 

I am concerned about this practice if TransUnion is dodging the obligations under the law and trying to avoid compliance by deceitful practices such as lying about the information they have and/or requesting payment for services that they are obligated to provide free of charge. 

I would like the CFPB to look into this practice to make sure that TransUnion is in compliance with the FCRA. Furthermore, if they have somehow lost the record that I have lived at this address for the past 4 years, I would like the CFPB to investigate how/why they could have lost this information. 

Thank you,
On XXXX XXXX, XXXX I sent Horizon Financial Management a letter requesting validation of a said account on my credit file ... To the present day Horizon has failed to respond with validation nor has my account been placed in dispute and it has been MORE THAN 30 DAYS.. This is a direct violation of the FCRA ... Horizon 's trade line is displaying the following inaccuracies .... Missing account and payment history, No monthly payments, No date of first delinquent payment, No contractual agreement, No estimated removal date, No responsibility listed, Missing close date, and no contact details ... Horizon is in direct violation of the FDRA by not reporting accurate and factual information ....
1. Why do they send me a volunteer payment coupon. 

2. Am I Obligated to pay the mortgage if it is a voluntary payment. 

3. Why do they report to the IRS that the P/B amount owed is XXXX 4.And the amount showing on the mortgage statement as XXXX 5.Please Explain the months that I am delinquent 6.The difference between the amount reported to the IRS and the amount on the monthly statement is XXXX?
A collections was placed on my account for the amount of {$11000.00} on XX/XX/2018 by Midwest Recovery Systems. I am not aware of this debt and I have no documentation that it is mine. I was never even contacted by the original creditor, nor was I contacted by this collections agency via email or mail, before this was placed on my account. I do believe that a notice should have been provided so that I could have opportunity to pay or make other arrangements. I've reported this information to the XXXX  and have disputed this claim through XXXX XXXX. While on XXXX XXXX I did notice that other patrons was affected by Midwest Recovery Systems also.