WillisBack/dataset-financial-user-claim huggingface dataset:
This is not a debt collection issue, I chose this category as there was no option for this serious concern.
I 'm a   XXXX   XXXX   XXXX   who represented the buyer for a foreclosed property, the offer was accepted back on  XXXX 2017, the closing was to take place on  XXXX /2017. As of today  XXXX /2017 the transaction has not closed due to the lack of urgency by the sellers, the financial institutions involved, regarding a required document for the closing. Myself and the buyers attorney have made numerous inquiries, have received empty promises for action and as noted my buyer has now been waiting for nearly 6 months to close with no real or definite close date offered. The primary financial institution involved is Ocwen, I attempted to contact them on numerous occasion via phone but I found it impoosible to reach a live person Below is latest email indicating that latest promise of a   XXXX   close date will now possibly occur in late  XXXX .    <P/>   " Hi  XXXX , response received : so the review for them to do it has passed and now they are waiting on the document. It has taken Ocwen the time frame up front to know if they would sign it, and now they have the approval and we wait.
Not sure if your buyers want to wait until this date below to have the document received to record and or if they record when done, I wont know until either happens.
Sorry, wish I had more than this, but this was response received.
Please advise, Hi  XXXX , Unfortunately nothing at all yet. Theres a note by Ocwen that the estimated return date for the executed AOM by  XXXX  is  XX/XX/XXXX , so at best were still a few weeks out. I can follow up with Ocwen in a week or two ( although I doubt theyll have any information, but it wont hurt to try ). '' I obtained their corporate address as follows :   XXXX   XXXX   XXXX      XXXX   XXXX     XXXX   XXXX   XXXX  , FL  XXXX  Phone : (  XXXX  )   XXXX    Website : www.ocwenbusiness.com
I signed a contract with XXXX XXXX XXXX on XX/XX/18. I am XXXX yrs old. I was under the impression I was getting a good deal on a car. When I got home my daughter and POA told me I was driving a base model car and over paying for it. I was stuffed into a XXXX car payment for 72 month with outrageous fees for example, one that totaled XXXX alone. I was told I was getting a limited edition vehicle when it was a base model vehicle. My daughter called and spoke to XXXX XXXX about the issue and was told the vehicle couldn't be returned due to the 3 day return Law by the State of GA. I decided to keep the car and get it refinanced. On the XXXX I received texts and calls from the dealership that financing wasn't secured and I needed to bring the car back after I was told I did receive financing and the vehicle couldn't be returned, that I was approved for financing. I talked to a Federal Attorney who informed me I am being what is called YO-YO'ed and I needed to get the Attorney Generals office state involved so I am now informing your office of this dealerships practices and treatment of consumers. The dealership also mentioned I was getting a top of the line vehicle for my money. I have been being harrassed and threatened that I don't own the car, that I didnt receive financing and an approval, told I DID get approved but needed to COMPLETE the transaction? I am confused. When I tried returning the car I was told by the manager XXXX the car can NOT be returned it had been financed I have signed contracts and the 3 day window according to GA State Law had closed, then I was told I could trade out of the vehicle into a XXXX that had been sold after the calls started and after I was told the dealer couldnt SECURE financing all this after I was told the 3 days window had closed to return the vehicle. I dont understand whats going on.
I have repeatedly disputed debt of {$1000.00} that is not mine, which Portfolio Recovery Assoc. claim I owe. In disputing I have repeated requested verification of this debt showing that a legally binding contractual obligation exists between me and the creditor. I have also requested explanation of the claimed amount owed, and how that amount was calculated. I have specifically requested copies of the original credit card application, and documents containing my signature ; of which I have received none. PRA just keeps sending me a copy of an old bill from the " original creditor '' XXXX XXXX. I have disputed this inaccurate data and have requested proper verification of this debt at least five times this summer alone. I sent a final notice on XXXX XXXX, 2017 stating, " This will serve as your final notice under the federal Fair Debt Collection Practices Act ( FDCPA ), to cease all collections with me in regard to the account referenced above. This account remains unverified and should be removed from my credit report immediately. As I am sure you are well aware, under FDCPA section 809 ( b ), you are not allowed to pursue collection activity until the debt is properly validated. ''
I wanted to check that Amex was accurately calculating my interest charges on my credit card account for any given month. I reviewed the Cardmember Agreement and other materials on the Amex website. Then I downloaded my monthly transactions and balance information. I tried to calculate the balance subject to interest, and the interest charge, myself, for one month. I was not able to match what I was charged. 

I called the customer service number to ask for help in understanding the calculation method. The customer service I initially received was very poor. I had to speak to XXXX different people before I got anywhere. It is clear that the customer service reps are trained to tell customers why they received an interest charge ( and I had no issue on whether I should/should not have been charged - just trying to understand the amount ), but are not trained on how the interest is actually charged. Finally, after an hour on the phone, somebody referred me for a " billing reconciliation '' by a specialist, who would get back to me within weeks. 

In the billing reconciliation, a customer service rep emailed me, again only explaining why I was charged interest at all, and again not providing any details on how the amount was calculated. They also refunded the interest charge for that month. However, nobody at the company was able to show me how they got the exact number that they did for the balance or interest charge. The customer service experience was very frustrating. More importantly, as far as I know, the interest charge amount was inaccurate. And this could be happening month after month.
I just learned today that the debt collection agency NCB Management Services on behalf of XXXX XXXX XXXX telephoned my wife in late XXXX XXXX. The collector harassed my wife to the point that she felt forced to pay {$50.00} on the account and has done this in years past to re-age the account. The account is not my wife 's account. It is my account. I never gave my wife authority to pay anything on the account or on behalf. The account is out of statute. Back in XX/XX/XXXX my XXXX son XXXXXXXX for months on end. I have not, personally, paid on the XXXX XXXX XXXX account for over 5 years. I know the collection of the account is out of statute. Here in Pennsylvania the statute of limitations is four years. I believe it is an unlawful collection practice by NCB Management Services to hound a non card holder to make a nominal {$50.00} payment in an attempt to revive the statute of limitations -or any other amount. I believe that NCB Management Services should return to my wife the recent {$50.00} payment that they procured by fraud.
I had an illness that required care and I did not have health insurance at the time. This left me with a {$2600.00} medical bill. After missing payments on it, it went to XXXX or Health Services Asset Management. Upon receiving a letter from them I spoke with a representative there to set up payment arrangements. I was told the lowest monthly payment I could make would be {$200.00} XXXX which is still quite high for me XXXX. It was XXXX 2017 since I have been paying this amount. I did not receive monthly bill request by mail. I was instead instructed to pay the previously stated {$200.00} " around '' the XXXX of each month. I twice had paid them on the XXXX and they said it was no issue. Well last month I was a little later then the XXXX and I finally received something in the mail from them. It was an order to pay the entire amount of {$2300.00}. I was in shock how my {$2600.00} bill could still be so high! I had been paying on it for XXXX months. Upon looking at the bill it stated that of the {$200.00} I am paying every month they are charging {$140.00} in interest. Meaning only {$60.00} of the {$200.00} is going to principle. This interest rate seems EXTREMELY high. How can this be legal?
Good morning, My wife and I went in to XXXX XXXX, XXXX Of XXXX XXXX XXXX in XXXX, SC looking to buy a car the sales person keep us there for 3 hour, running hard inquires one after all the time telling us we had the car after 3 hour and 27 hard inquires they told us we could not buy this car. they ran 27 hard inquiries in 3 hour and my credit was greatly impacted. Can you please get them to remove these inquiries its cause my family a lot of problems thank you so much. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX  ) XXXX
I had a checking account and savings account with J.P. Morgan Chase Bank.And executed a fraudulent foreclosure and eviction on the home of the owner to the whoom I paid rent to. So, when I placed my name in the counter complaint filed by the owner then Chase bank in retaliation for this action froze my bank account, and eventually closed my bank account without any explanation given and when I asked them they refused to let me know the reason why!
Experian refuses to discuss this issue with me. 
I have been unable to access or correct my credit report with Experian for more than two years. I recently received a notice of credit denied due to Experian, and I would like to correct errors on my report.
The following made a hard inquiry on my credit report without my authorization :  Institution Information   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX  Last Reported by   XXXX    XXXX   XXXX ,  2017  Bk Of  Amer  Last Reported by   XXXX     XXXX   XXXX ,    2017  Bank  Institution Information Bk Of Amer   XXXX   XXXX , TX  Institution Information   XXXX  Last Reported by  XXXX   XXXX   XXXX , 2017  XXXX , FL  XXXX  (  XXXX  )  XXXX   XXXX  (  XXXX  )  XXXX
Prior to XX/XX/XXXX I knowingly and voluntarily co-signed on XXXX of my sister 's private student loans taken through CitiBank for her master 's program. Subsequently, beginning in XXXX XXXX and continuing through XXXX without my consent or authorization XX/XX/XXXX more private student loans were issued to my sister using my electronic endorsement. XXXX Bank purchased the loans at some point after the loans were issued. In XXXX XXXX, I sent dispute letters to XXXX requesting verification of the debt. In XXXX XXXX XXXX responded and insists that because my social security number, date of birth and address were provided on the request to open the XXXX additional accounts, they are valid and I am financially responsible. I sent a second series of letters to XXXX in XXXX XXXX challenging the validity of the endorsement and requesting information to demonstrate that the applications for each of the disputed loans were in fact endorsed by me. I also requested a copy of the assignment or purchase agreement between XXXX and CitiBank for each of the accounts. To date no response to the second set of dispute letters has been received. In XXXX XXXX I did receive a letter from XXXX informing me that the loans were delinquent. 
I have sent XXXX sets of disputes to the XXXX major credit bureaus for each of the six ( 6 ) loans based on the fact that I did not sign or authorize my signature to be used on these loans. Each of the agencies has responded and claim that their investigation shows that I am responsible for each of the loans and they will continue to report the delinquency for each loan. 
When all is said and done, while I did agree to co-sign on XXXX loans for my sister prior to XX/XX/XXXX, I did not authorize my endorsement for the private student loans taken in XX/XX/XXXX and XX/XX/XXXX. Also please let it be known that there is NO pending litigation on this dispute.
Please see attached documentation. BB & T claims to have received an incomplete Loss mitigation package on XXXX/XXXX/15. I have a fax confirmation that it was received XXXX/XXXX/15 and sent through mail and received XXXX/XXXX/15. I have a copy of the faxed / mailed and it was not incomplete nor received on XXXX/XXXX/15. Furthermore, BB & T stated this should be judiciated outside of Civil Circuit court since it was a " Federal Issue, '' did not wait for the court to rule on any of the objections / motions and proceeded without adherence to Federal law. BB & T had been notified on separate occasions that I, the Plaintiff, notified BB & T that there was already a Loss Mitigation in process with XXXX. After our last hearing, the opposing counsel said they would email me that day to come to a resolution and was never heard from again, despite my many attempts to reach his manager. BB & T was dishonest with the court and CFPB responses and ignored that I had a loss mitigation in progress with a HUD approved counseling center.
On XX/XX/2017 I received a bank levy on my XXXX account for an old and outdated debt. The original creditor was Capital One. This account has been charged off for over 8 years. The status of limitations is 7 years in The State of Colorado. The debt was then sold to a company called XXXX XXXX XXXX XXXX. I notified them that the debt exceeds the Federal time limit to collect. They stated fine, we will just sell it to a collections Attorney. 

The sold it to a collector by the name of XXXX XXXX XXXX. They claim they personally served me with paperwork concerning this old and out dated debt. That is 100 % false as I was never served with this paperwork. If they are Attorneys, they should know this debt is uncollectable and they owe me my money back. 

If you look at the Colorado XXXX and XXXX XXXX report, this is a constantly reported complaint action of this law firm. They collect illegally by stating they tried to reach a consumer or lie that they actually delivered this to the consumer. I want my money back and for them to cease & desist, along with cancelling any pending court date attempting collection for an old debt. Please look into class action against this firm.
New York Community Bank started to escrow my mortgage payment after almost 20 years of service and not ever  one  late payment because they claim my property taxes were not being paid. I am disputing their claim because my property tax balance was paid twice. The township had to send  NYCB  their check back to them as an over payment check because they already received a check from me. Since then I have been trying to correct their mistake because they are charging me late fees, doubling my payments, and I am receiving harassing and demeaning phone calls also all of the   XXXX   they have caused in my life because I have   XXXX   XXXX   XXXX   I spoke to several agents a t NYCB  since  XXXX   XXXX ,    2017 and I  was lied to several times that I have to send in a payments because my payment of  XXXX  was n't enough to cover the new mortgage payment and late fees of now  XXXX  that was increased  XXXX   XXXX  , 2017 a nd  XXXX  late fee applied. I received a letter from NYCB   XX/XX/XXXX  telli ng me they never received my mortgage payment. I have record they received on  XXXX   XXXX    XXXX  . I received a   XX/XX/XXXX   statement reporting I owe  XXXX , past due amount  XXXX  for a total of  XXXX  and a late fee of  XXXX . I had every agent a t NYCB te ll if I were to send the amount of the escrow to them they would stop the escrow. At the same time I was sending the township tax payment of  XXXX  because the next quarter was due. I was sure this was a scam because I know I was making my payments and they changed the rules of the contract to be able to charge more and make more. I believe they want the house to go into foreclosure because I only ow e 4 mor e years on the mortgage and there is alot of equity they can take. If someone was experiencing even the slightest of financial difficulty they double your payment and add fees. I believe my privacy was breached from this bank and I believe they have broken they debt collection law. They never gave me notification, itemized stamp escrow and Contract of duty. I believe the cause unneeded   XXXX  and  XXXX   in my life. I cant   XXXX   anymore. I am pursuing legal actions for them being responsible for trying to ruin my credit my life and my .character. The tax collectors office told me that this ban k NYCB h as harassed several residents in my township for exact same issues They The over payment check that the township sent back to  NYCB t he second time was over  two thousand  dollars and the first check  NYCB  sent  XXXX   XXXX  was for over  5000.00.  There is proof here that big banks are taking down private residents and taking their homes. It was n't till my conversatio n  XX/XX/XXXX  that any  of the dozen agents from  NYCB as k if my financial situation changed and asked If I need help programs. Please send me all the money they have took from me with the understanding it would stop the escrow.
I NOTICED A CHARGE OFF ACCOUNT WITH XXXX XXXX XXXX THAT I DIDNT OPEN ON MY CREDIT REPORT. IT IS A FRAUDULENT ACCOUNT. IVE CALLED XXXX XXXX AND HAVE SPOKEN WITH MANY SUPERVISOR AND HAVE EXPLAINED TO ALL OF THEM THAT I DIDNT APPLY NOR OBTAIN A AUTO LOAN WITH XXXX XXXX. IVE EXPLAINED TO THEM THAT MY IDENTIFY WAS STOLEN A ALMOST 2 WHOLE YEAR BEFORE THIS CAR WAS PURCHASED AND EVEN EMAILED AND FAXED OVER THE POLICE REPORT TO VALIDATE MY STATEMENT.THEY IMMEDIATELY APOLOGIZED AN SAID HOWEVER SINCE THE DEBT WAS SOLD TO COLLIN ASSET GROUP THAT I WOULD NEED TO CONTACT THEM .COLLIN DISREGARDED MY CONCERN AND SAID I STILL WOULD HAVE TO PAY THIS AUTO LAON THAT I DIDNT SIGN UP FOR NOR AUTHORIZED TO BE IN MY NAME. I THEN CALLED XXXX XXXX BACK AND THEY SAID THEY WONT REMOVE IT AND THAT I NEEDED TO PAY TO HAVE IT REMOVED. THAT IS AGAINST THE LAW AND THIS ACCOUNT WILL BE REMOVED. I DIDNT OPEN THIS ACCOUNT, IT IS FRAUDULENT AND I NEED IT REMOVED FROM ALL THREE OF MY CREDIT REPORTS AND RECEIVED ALL OF THE POINTS BACK THAT I LOST FROM THIS FRAUDULENT AUTO LOAN ACCOUNT.
On XX/XX/2018 XXXX XXXX representing Carrington Mortgage Services LLC placed an unauthorized hard credit inquiry via XXXX when attempting to sell me one of their products. During the phone conversation she made a request to check the last 12 months payment history with XXXX XXXX XXXX as they recently had purchased my FHA loan from XXXX XXXX XXXX. She guaranteed that this was to check the history from XXXX XXXX XXXX and not a credit inquiry. 

Immediately after she had run my unauthorized credit pull, I received notification from my credit monitoring software and I contacted her via email ( attached ). I was told that she did not believe that it was a hard inquiry. I proceeded to pull my XXXX, XXXX, and XXXX reports displaying the unauthorized hard inquiry on XX/XX/2018. I made the request to have the unauthorized credit inquiry removed from my credit report. XXXX responded that she could not and that I may dispute this with my credit bureaus and stopped communication. I proceeded to contact her listed manager XXXX XXXX, receiving no reply as well.
Thank u cfpb for ur excellent work without cfpb financial institution will XXXX off the consumers and sadly and disgustingly this administration is doing only that which is allowing the financial industry to go back to cheating and XXXX off government and tax payers for their benefit please dont allow XXXX to distroy what president obama and XXXX XXXX did. 


Now my issues in a month of XXXX and XXXX I made purchase and return and some extra return so those extra returns should offset the remaining balance I have all of my recept and it doesnt make any sense why I still have a balance of {$26.00} I tryed the customer service but as usual the way they calculate is only to their benefit and i have to pay this so when I disagree they keep repeat what is in the statement so the represanative wasnt willing to listen to me kept cutting me off and just repeat the statements so I wasnt getting anything from her I hung up.
On XX/XX/2017 I initiated a complaint against XXXX in regard to 15 accounts not being reported correctly on XXXX XXXX and XXXX. I initiated a dispute to the credit bureaus and contacted XXXX. XXXX is very argumentative with me and refuses to correct information. I believe the deliberately and erroneously account balances after my loan consolidation was completed. 

XXXX continues to say to me that they need copies of my credit report and that I need to show them what is being reported so they can correct the accounts. The credit bureau ( Trans Union ) blames XXXX for reporting account balances after loans where consolidated XXXX XXXX 2017. There seems to be some conflict between the credit agency and what XXXX is reporting and I am arguing with the credit agencies and XXXX.
Sunrise Credit Service, f rom NY, has been calling my home for a month a dozen times a day beginning at  XXXX   XXXX  until  XXXX   XXXX . On three occasions I have answered the phone and explained to the debt collector its not my debt of {$67.00}?? to  XXXX   XXXX   XXXX . My name is the same but wrong address ( lived at my current address for the past 16 yea rs ) an d I have never ordered anything from this company. The second time I spoke with a collector I was told my name and phone number would be removed from the call list and then again at  XXXX   X/XX/2017    they called again. Sick and tired of my phone ringing all day and being harassed for a debt that does not belong to me! Their tactic must be to harass everyone with the same name until someone cries " Uncle '' and pays up to stop the phone calls.
In XX/XX/XXXX, Costco switched from accepting XXXX to Citi Costco card. Someone received my cards ( join accounts ) and used it to the max of my credit line - XXXX in one month ( XX/XX/XXXX ). I did not find out until XX/XX/XXXX when I received the statement. I called in and talked to the customer service specialist regarding the fraudulent charges and identity theft because someone called in and activated my cards as well as used I it. In the last seven months, I have been talking to several people of the two departments - Fraudulent ( XXXX, XXXX, XXXX - XXXX ), and Security Investigation Services ( XXXX, XXXX, XXXX, and XXXX - XXXX ). Every one of them told me the same thing that they will investigate and put the memo on my account to make sure that the collection department wo n't call me again unless they need my assistance with the investigation. But it was not true, every day I receive a call from collection department ( XXXX ), most of the time I ca n't a answer the calls because I am at work. Whenever, I can answer their calls and asked them if there is any note regarding the on-going investigation of the fraudulent charges on my account but they said that there is no memo on my account at all. Except the last time, on XX/XX/XXXX, I talked to XXXX ( security dept. ) and XXXX ( fraudulent ), and on XX/XX/XXXX I received the letter from Citi bank informed me that they investigate my case and need the police report if I have one. 
The bad things about this issue are in seven months the bank does not do anything after I told them about the identity theft and fraudulent charges on my accounts, only one thing they is doing that is calling me to ask for the payment which I have not spent. The worst thing is they report to the credit bureau about the delinquencies of the payment ; this caused my credit score drop from XXXX to XXXX. Because of this low score, I I ca n't apply for XXXX credit as well as refinance my house for the low interest rate.