WillisBack/dataset-financial-user-claim huggingface dataset:
Once again Ocwen Loan Servicing is failing to apply my payments to my account correctly. In XX/XX/XXXX I filled a complaint to your department against Ocwen, and they sent you 're a copy of my Deed of Trust, and other that did not pertain to the nature of my complaint. In late XX/XX/XXXX your department fined Ocwen for a lot of servicing violations, but I am here to file another complaint because Ocwen is up to their old tricks again. 
On XX/XX/XXXX, I received a notice from my Chapter XXXX trustee because I was near the end of my Chapter XXXX. The letter from Ocwen 's attorney stated that I was contractually due for my XX/XX/XXXX and XX/XX/XXXX payments in the amount of {$3600.00}. They also showed a suspense balance of {$470.00} which reduced the amount that I allegedly owed to {$3100.00}. 
I immediately paid the amount of {$3100.00} to Ocwen, and Ocwen accepted the payment. Afew weeks later I called Ocwen to follow up to see if I was contractually caught up as the attorney letter stated, and I was informed that I was past due for {$470.00}. I contacted their Officer of the Consumer Ombudsman, and asked them to look into the matter. 
I was contacted back by XXXX XXXX who informed me that Ocwen had no record of a letter sent to me by their attorney, and that I was still past due for the {$470.00} to bring me contractually current. I am attaching a copy of the letter from the attorney. Once again Ocwen is up to their old tricks. I have the document why do n't they have it.
Someone unbeknownst to me submitted an application for a Capital One card. Evidently it was sent out, although it was not received by me, and someone used it. I reported the fraud as soon as I received information that the card was issued and in use and told them to cancel the card immediately. Unfortunately they did not, claiming that someone called afterwards claiming to be me and they kept the card open, permitting someone to charge an additional {$700.00}, and after a XXXX call, the card was closed. However, Capital One decided that I am responsible even though I repeatedly told them that I did not request, receive or use the card. Calls were not returned, dunning calls are constant, and they keep sending statements. I contacted an attorney who sent a letter, and they completely ignored it, admitting that they have no application proving I requested the card, yet keep insisting that I pay the balance that keeps increasing each month. I have placed a complaint with the FTC as well, but they said that they do n't do anything for me. My phone number has been spoofed and seems to be used for robocalls as well as trying to get credit cards ( Capital One states that they know that the calls came from our home phone even though they ca n't send me proof, and even if they had it what would it prove since I have put in complaints to XXXX? ). XXXX had called prior to Capital One asking if I had requested a card or was it fraud - not sure why, but I told them that I did not ask for nor did I want a XXXX XXXX, and none was issued. Please understand that I have XXXX and ask my wife to take care of all matters pertaining to this. I do not go shopping and can no longer XXXX. I have enough health issues without this being added on top of everything else.
Select Portfolio Servicing ( SPS ) is in violation of 12 CFR Part 1024 ( Regulation X ). They have not responded to my error notification and qualified written request for information which is dated XX/XX/2018 and XX/XX/2018. See attached documentation.
the loan is included in my chapter  XXXX  the trustee make monthly payment and in  XXXX    XXXX   they reported late payments which is not to have a copy of the payment the trustee made and also they have made a call to my job
The XXXX XXXX Account # XXXX Please have this deleted on my report. This has been paid and I never use it again. 
Please update my records and credit score.
I am a victim of the recent Equifax credit breach. 
I have therefore already frozen my credit through all three credit reporting agencies. 
- Today ( XX/XX/XXXX ) I tried to get my free online credit reports from XXXX for 'all three ' reporting agencies. I did receive free online reports from XXXX and XXXX but ... NOT Equifax. 

XX/XX/XXXX Equifax did NOT provide my free online credit report and sent me to a page that says " Online Delivery Unavailable '', even though I had already answered a series of identifying questions correctly to Equifax online. 

I am entitled to a free annual credit report from Equifax via XXXX. 
Equifax needs to cooperate and give me my free annual credit report, it 's the LAW! 

Especially after the recent Equifax Data Breach, for obvious reasons I have absolutely no desire to Expose even MORE Personal Identification via means other than what I have already provided via XXXX. 
XXXX now has Equifax checked off as having given my my annual credit report ( EQUIFAX HAS NOT PROVIDED MY FREE CREDIT REPORT ). 

I need my credit report from Equifax, I am doing my part as a consumer to protect my information and trying to get my free report, Equifax is NOT doing their part!
Someone opened a account with XXXX using a different address than mine. I was contacted by XXXX regarding this and squared it away with them. I started receiving daily calls from FCBS Services. The first time I answered a call from them, they started asking me to confirm personal information, but without telling me in to what this was regarding.I told them I would not confirm any personal information like my address and last XXXX of my social security unless I knew in what to it was regarding. After some back and forth I just hung up. They continued to call back every day. I received a letter from them and learned as to what this was regarding. They were trying to collect for a XXXX account opened in my name, but never paid the outstanding balance. I called XXXX and talked with them and they confirmed my account was up to date and the account that was trying to be collected was closed. I filed a report with XXXX 's fraud department. I also found the fraudulent address on my XXXX credit report and contacted them and they had it removed. I tried answering a call from FBCS Services and explaining to them the circumstances, and they still insisted on confirming my personal information like my address and last XXXX of my social security. I told them that I did n't feel comfortable confirming personal information since this is a case of stolen identity and they could n't help me without the information and hung up. Since they have continued to call every day bringing me great stress and worry that this will show up on my credit report.
I am writing to report about how Chase credit card over charged me to make unethical profit by not sending payment alert email and using the balance as the late fee charge. Chase credit card makes the late fee charge very tricky. and take advantage of consumers who have busy schedule and have no ability to understand their complicated statement and policy and never send an alert email regarding payment due. As I logged in my chase credit card because of other issues one day after the due day, I found the big late fee charge and contacted them and informed I would paid full balance today and asked them to reverse the late fee charge. They made the statement complicated and not friendly easy, therefore I spent a lot of time understanding it. Thought I still dont understand it, I have no choice but pay the full balance +big late fee charge. But I believe it is unfair to treat consumers in a tricky way since their policy and statements are complicated and never send alert email to consumer to remind them regarding due day and never explain late fee policy.
This Diversified consultants is calling nonstop harassing me 3-4 times a day- I have clearly stated to them I am searching for solutions for a bankruptcy and to please stop calling and after that it has gone crazy nonstop calling at home number cell number at all times of the day. I am going crazy I am stressed and can not sleep at night I am sick over this. 
This is not normal collection practices
I have made four attempts with Transunion mailing certified letters in which they have received to dispute inaccurate information regarding Dept of EdXXXX school loans + comments of late payments. First letter was delivered on XX/XX/XXXX, 2nd letter delivered on XX/XX/XXXX, XXXX letter mailed out on XX/XX/XXXX and last letter delivered on XX/XX/XXXX. Each letter states I have legal rights to receive proper evidence in whom was spoken too, names of each representatives, my legal signature, etc to prove these claims are valid. I have only received automatic responses with no changes in removing these late payments off my credit report. My credit reports state I have 100 % on time payments but with SIX derogatory remarks in which late payment were made. I am fighting to remove these accounts/statements off my report due to not receiving any legal evidence on these claims. I delivered the same letters to XXXX with complete resolution. XXXX  did delete the six accounts due to not providing any evidence. Transunion has been uncompliant.
My account was reported to the Credit Bureaus as 30 days past due despite the fact I had made my payments per the billing statement and within 30 days of the payment due date. 
On XXXX/XXXX/16, I received a credit card statement for a recent purchase. The minimum payment requested was {$25.00} due on XXXX/XXXX/16. On XXXX/XXXX/16 I paid {$100.00}. On XXXX/XXXX/16 I received my next billing statement. The minimum payment requested was {$25.00} due on XXXX/XXXX/16. On XXXX/XXXX/16 I paid my balance in full. 
When I contacted the bank on XXXX/XXXX/16 to pay my balance if full, I was advised that I was 32 days late and had been reported negatively to the credit bureau ( 30 days past due ). The Customer Service Representative insisted that, for the purpose of bureau reporting, late payment calculations are calculated from the date I last made a payment and not based on when the payment is due. A supervisor later supported this policy indicating that the banks terms and conditions explicitly allow the bank to report negatively to the credit bureau if the number of days between payments is greater than 30 days. Even if the payments are made according to the statement due bill. I insisted that this is a violation of FCRA given that the bank inaccurately reported to the bureau that I was 30 days past due ( from the payment date ) when I clearly was not. The supervisor informed me that the terms and conditions I signed when I opened the credit card waived my FCRA rights. This is clearly not legal or acceptable. Therefore, I ask for the CFPB 's assistance to correct. An inaccurate 30 day late report to the bureau can have extraordinary consequences for me financially. This type of predatory behavior is inexcusable.
I got 2 letters in mails, First was saying the bike was re-POed Second was saying it was sold in a auction, paid more then it was worth. 

That was it.
I requested to the primary cardholder to be removed as an authorized user on account. Cardholder made request to XXXX XXXX several times to remove me as an authorized user, however, XXXX XXXX continues to report account open on my credit report as open.
The primary reason for my complaint is that Chase Mortgage, who is the servicer for my loan ( # XXXX ), is in violation of dual tracking. Chase has notified me of a foreclosure date of XXXX XXXX, 2015, while I am in active consideration for a modification. I have submitted my full application for a modification on XXXX XXXX, 2015. They requested additional information, which I sent to them on XXXX XXXX, 2015. I received a letter on XXXX XXXX, 2015 notifying me of a foreclosure sale date of XXXX XXXX. I called and spoke to a customer assistance specialist at Chase on the XXXX of XXXX. They explained that the information I submitted needed to be resubmitted with some corrections, which I immediately corrected and faxed back to them on XXXX XXXX. I also questioned why a foreclosure sale had been scheduled when I am in active consideration for a modification. The specialist told me that once they had everything, the application would be submitted to underwriting and that at that time the sale could be postponed. I have submitted several modification applications with this lender. They have repeatedly made errors in processing the modification and in calculating my income. The lender is a private lender ( XXXX XXXX XXXX Bank of XXXX XXXX, CA ) and does not participate in HAMP. They do however ; supposedly have their own modification program. My goal is to avoid foreclosure and to secure a modification. If that is not possible, then I would like to have time to pursue a short sale.
I always saw my son growing up with as a stellar career in the future. He was and still is very brilliant and unique. As a young child, he was very interested in XXXX, therefore ; when he graduated high school, he wanted to pursue to have a XXXX XXXX in the XXXX field. After 2 years of hard work and dedication, my son graduated from a promising XXXX XXXX XXXX in XXXX, MA ( Honors : XXXX ) with an XXXX XXXX in XXXX. I was very proud of him and mostly importantly happy that my son was fulfilling and living his dream. The school was highly expensive but My son and I were assured by the Financial Department, Career Advisors, Professors and The Dean of College ; my son would lend a profitable job and career soon after graduation. My son has always been curious for education, with my help, we took Federal Student Loans ( Parent Plus Loan ) to help pay for his " promising school '' tuition. After graduating with an XXXX XXXX in XXXX, my son realized moving to XXXX and continuing his education to receive a XXXX XXXX at a reputable XXXX XXXX was the next chapter. Since College Education is extremely expensive, we had no choice but to take additional Federal Loans to pay for my son 's school in XXXX. While in school, My son excelled in XXXX to be exact, to having a XXXX complimenting his unique sense of presence. We were very naive. We truly believed if my son gave his best ( which he did by being top of his class with a XXXX XXXX XXXX in XXXX ) after graduation from a recognizable and reputable school, he would lend a steady job. As a mom, there no other moment like seeing your son graduating from College. I was so very proud of him. After my son achieved his goal, we then realized Jobs in XXXX are very scarce and low paying. we took out massive loans only to realize I will be stuck in a " Debt Bubble '' for the rest of my life. A Parent Plus Loan makes me responsible for all the loans my son and I took during his college years. Unfortunately, my son has n't landed a job for more than 3 years after graduation. He truly had a hard time landing a job. As for me, I do not make enough to pay off his loans, therefore ; I am always harassed by Collection Companies. I have an issue with the federal loans my son and I took out but what i 'm frustrated with is that Collection Agencies raised the interest rates up to 400 % of the loan taken. I sometimes can believe my eyes when I look at my bills. The fact that I will never be able to make enough money to pay off my sons school federal loans is disheartening and depressing. Today, my son is working in a total different field from XXXX and unfortunately, his school degrees have never been useful.
I have filed direct disputes on XXXX XXXX with both credit reporting agencies. Transunion has completed their investigating and their idea of a resolution, was to do nothing I am very unhappy with this because I have worked hard to arrange payment plans with my collections and I want it to reflect in my credit score!
I applied for a modification XX/XX/XXXX. I was approved XX/XX/XXXX (? ) and was sent a modification XX/XX/XXXX after successfully making my trial payments. However, the modification had the wrong address, it listed the wrong state. I called to notify them and was told not to return it as it could n't be accepted and to continue to make my trial payments each month which I have done. I have called to ask why I still do not have a new modification agreement and told to continue to make the trial payment amount and wait. I have had someone come to my home and leave a note on my door to call Flagstar as well as take pics of my home for the last 4 months. I am talking at minimum once a month to Flagstar and complying with what they are requesting. How is the harassment fair? Last week I received a notice that I was turned down for failure to return my modification and they were resuming foreclosure. I contacted Flagstar in which they stated the same thing. After a tearful XXXX minute conversation, they stated I was correct they sent the wrong modification agreement and advised me not to return it. I should not be concerned and a new agreement would be sent in the next 5-7 days. Last Saturday I received a notice from an attorney about an eviction. Now again today someone has showed up at my door with an urgent notice and taking pictures of my home. 

Why has it taken 11 months to complete this, why is n't someone staying on top of my file, and why am I being harassed unnecessarily?
For two years, Portfolio Recovery Associates has attempted to collect a debt for an account that we believe to contain inaccuracies. In those phone calls made to us, our attempts to clarify info made the the representatives become more and more aggressive. The caller in some cases would scream, " So, are you refusing to pay this debt!! '' repeatedly. I feel that that was an attempt to trap us into making some verbal agreement or binding statement. After several calls like this and their references to taking legal action, my husband and I considered getting the matter behind us by agreeing to settle the account, but every call since then has stalled because of Portfolio Recovery 's refusal to send a written agreement. 

Their position was that payment was necessary before their representatives had the ability to print out, e-mail or request any kind of written request. Often, the collectors ' demeanor degraded from that point when we insisted on a written agreement before making a payment. We believe this collector had no intention of following through with discharging the debt as paid. I believe their intention was to restart the statute of limitation on this debt and/or sell the debt to another collector after recovering a certain amount. We believe these practices to be unfair and deceptive. 

It 's been two years and Portfolio Recovery has yet to file a law suit against us, which leads me to believe that our account had not been sent to a litigation department. 

I called one last time on XXXX XXXX, 2016 to confirm their position in regards to refusing to make a written agreement before receiving payment and to clarify account info. The call was recorded and is uploaded with this complaint. The call reflects their refusal to make a written agreement without receiving some kind of payment first. Additionally, I made attempts to clarify info about the debt and its validity, but the representative asked whether I was in fact asking for a " validation letter ''. As a layman to these matters, her reaction to that request gave me the impression that asking for a validation letter somehow had derogatory consequences for me or would cause a sequence of events that perhaps would force Portfolio Recovery to escalate their actions in this matter. So, I declined that request. As I understand, one has a right to their collection information, but because of their fear tactics, I hesitated asking for more info. Again, we believe these to be unfair and deceptive practices. 

I later spoke with a gentlemen that offered to email or send a " courtesy letter '' about our account. At the end of the call I reminded him that I would in fact like to receive that courtesy letter giving us information about this collection, but as of this date, we have not received anything via mail or email. 

At this point, we feel that our only recourse is to contact an attorney.
I am trying to make additional payments against the principal on my mortgage with Freedom Mortgage, the servicing company. This is a new mortgage ( XX/XX/XXXX ). I make the normal monthly payment directly to them via EFT from my bank. This monthly payment is for servicing the principal, interest and escrow. 

I tried to make an additional payment directly against the principal by sending a check. The check was notated to indicate I wanted it applied to the principal. I sent the check with a letter of explanation that the payment was for servicing the principal only. 

After Freedom Mortgage received the letter of explanation with the payment, they recorded it as " unapplied funds. '' Unapplied funds are held until there is enough to submit a regular payment to service the principal and interest. When I saw this on my statement, I called to request an explanation. 

I was told that in order to make a payment against the principal I would either have to use their web application and provide payment method information or call every time I sent a check and request verbally that the payment is to be applied to the principal only. The representative that relayed this information was XXXX, ID # XXXX. The date and time of the call was XX/XX/XXXX at XXXX. 

The online web application does not allow principal payments only. Rather you have to use their application to submit a principal payment together with the regular payment. To do so one must provide payment method information ( bank account, credit card, etc ). As I stated, I service the mortgage via EFT from my bank account. 

This business practice seems to intentionally make it difficult for a consumer to make a payment against the outstanding principal balance. This is evident in their web application intentionally omitting functionality that would allow a consumer to make a principal payment only. The other issue I have is that they do not openly disclose this, rather the consumer has to proactively engage the company to discover this practice. Because of not applying the amount to the principal as I instructed in writing, I incurred additional interest on an outstanding balance that should have been reduced by my payment. 

Is this behavior from freedom Mortgage compliant with the existing consumer protection laws?
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX*********** I was never late 30, 60, 90 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement
Trying to close share account XXXX. I have sent two written requests and nothing seems to be happening.