WillisBack/dataset-financial-user-claim huggingface dataset:
This is the second complaint I have had to file against Optimum Outcomes. I requested debt validation as well as a signed HIPAA release form regarding an account that popped up on my credit report that I had no knowledge of and did not receive a response. A certified letter was sent on XX/XX/XXXX to Optimum Outcomes XXXX XXXX XXXX # XXXX XXXX XXXX, IL, XXXX. In the original response from the company in the complaint they stated I never mailed them a letter- please see the attached receipt of certified us postal mail with the correct address. 
On XX/XX/XXXX the company sent me a letter in response to my complaint on XX/XX/XXXX stating they have reviewed my account and it is valid without sending any proof other than a reference number, balance, date of service and provider. I requested legal proof of the debt as I dont know where it came from. By law in the fair credit reporting act the company must provide either a breakdown of charges or something with my signature and they failed to produce either within the legal allowed time. It has now been nearly 90 days and still no validation or follow up from my certified letter. The company is in violation of my legal rights to have information fairly reported on my credit report. Please see the attached documents.
I applied for a home loan modification with Ocwen over 4 months ago. My husbands job cut his pay in half, so we fell behind on our mortgage, and Ocwen told us about XXXX possible programs we may qualify for. After submitting all the documents Ocwen sent in their 'welcome package', we returned everything promptly. This is when our nightmare began. Ocwen claimed they hadn't received our documents, so we sent them again; in fact we sent them by fax XXXX, by email numerous times, and by USPS mail XXXX. Still, they say they hadn't received them. The representative we were assigned was located XXXX. His accent was so thick, we couldn't communicate with him at all. We requested Ocwen to assign us another rep, but were told they can't assign us another rep. Nothing is moving with regards to our refi. We did however find an XXXX speaking person and she became our rep. After speaking with her by phone, she specifically told us what documents were missing. She asked that we email them directly to her, so she could get things moving. We did what she asked, but haven't heard back anything. At this point we are several months behind on our mortgage, and it seems that Ocwen is doing everything possible to stall. They haven't even told us what our percentage rate or payment would be. We have read many horror stories about Ocwen's treatment of customers, forcing them into foreclosure because of their lax, incompetent and dishonest business practices. XXXX
 I recently discovered that Ocwen is now facing Federal charges for their misconduct, illegal fees, forced foreclosures; mishandling of customer's cases and much more. We feel that Ocwen is just a scam company, whose main objective is to force families into foreclosure. XXXX
We have gotten nowhere in 4 months and are desperate to close our modification and move on. We did not choose Ocwen as our mortgage company. Our loan was sold to them by  XXXX.  We have lived in our home for over 20 years, and until my husband's job pay was cut, we made all payments on time. Ocwen does not answer emails, and if you're lucky enough to get them by phone, you are transferred XXXX. At the very beginning of our attempt to get a home modification, our credit was XXXX and rising,  a score we had worked very hard for, paying off credit cards and not using credit any longer. Now our credit scores have dropped to the low XXXX and no other mortgage company will help us. By the way, Ocwen is not registered with the BBB, but take a look at the complaints on the BBB website.
At this point, we are lost, feel like victims of a scam, and don't know what to do.
Deposited a non insignificant amount of digital currency into the site, Coinbase.com. The transfer was from a trading account on a separate and unrelated site, XXXX. Coinbase received the transfer of bitcoins. I decided a few days later I no longer wanted to liquidate my position on coinbase so I attempted to transfer the coins back into a wallet I control ( as in owning the private keys and not on an exchange ). However, coinbase would not let me withdraw my coins and demanded further identification. Identification that I had on file should have been good enough since I had bought coins on coinbase before even back in XXXX. I attempted to submit identification anyway though coinbase and even though I followed the instructions carefully, it would reject my ID without given a reason code. After calling a customer support to help me withdraw my coins, he told me that I would have to submit even more documentation and that it would take 3-5 days. I asked him how could this happen and he abrubptly hung up the phone. His name was XXXX, and had me on hold for over 90 minutes at one point as well. Very unprofessional and at this current time, the situation is tantamount to theft. I leave my position open on bitcoins and I am supposed to wait 3 - 5 days AFTER submitting MORE documentation without even having purchased those coins on coinbase in the first place. It 's ridiculously negligent.
XXXX  credit reporting agency and   XXXX   XXXX   credit reporting agency is reporting an account on my reports that is incorrect. The account is  XXXX   XXXX   XXXX  this account was previously deleted off  XXXX  of my reports now is is reporting again. I spoke with corporate office with  XXXX   XXXX   XXXX  and it was agreed that it is to be removed  XXXX  and   XXXX   XXXX   should not be reporting this account
I have requested in writing, via USPS, that Plaza Services provide validated proof of a purported debt. I have yet to receive any proof that the debt that are trying to collect and reporting on my credit reports, does in fact belong to me.
This company called Convergent ( XXXX ) continues to call me regarding a debt for someone else named XXXX XXXX. 

I've received calls since having my phone for this individual about collecting his debts. I am not this individual and although I have the same number that this individual previously had - I do not owe or have the same name as this person. 

These calls need to stop. I asked this company to remove my number and informed them that I am not the individual.
Fifth Third Bank has made a hard inquiry for a credit line that I did not unauthorized and it is effecting my FICA score. In fact they made two hard inquires on two separate days a day apart from each other. I do not have any credit line with this company and it was an unauthorized hard inquiry to my credit. The dates of the inquiries are XX/XX/2017 and XX/XX/2017. I called Fifth Third Bank Corporate and got nothing more than a run-a-round by their customer service representatives on multiple calls by myself to them. That is the reason I am making this complaint.
This company was formally " XXXX XXXX '' There was a settlement for XXXX according to the Virginia Attorney General 's office. Now they are operating under the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I have filed a previous complaint ( # XXXX ). They sent me a payment arrangement schedule.
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : ACCOUNTS XXXX XXXX not mine XXXX XXXX   XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX   XXXX not mine INQUIRIES XXXX XX/XX/2017 unauthorized XXXX XXXX XXXXXX/XX/2017 unauthorized XXXX XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX not mine
Macys card in   XXXX   XXXX     lists missed payment but I did not miss any. Account is closed and is also too old to be on file on my credit reports.
hello, i received a offer from chase bank for chase ink credit card which offers me 12 month of 0 % interest for any balance transfer, i did apply for it and i did get approved in couple of seconds for XXXX dollars line of credit and i received an e-mail that i have been approved, after couple of days i received my credit card with welcome package from chase, but when i called to activate my card, they told me the account has been closed.i did not even activate my account yet and account has been closed, why? i know they could close the account when ever they want. but as a consumer shouldn't i be able to know WHY???
My X husband is in bankruptcy due to the failure of his business. 
I am not in bankruptcy. 
We have a house together that was included in the bankruptcy since it was used as collateral in a business loan. 
The bankruptcy court receives money from him and pays the house note. 
They do not pay on time. 
This is reflected in my credit score and information but not his since he is protected by the bankruptcy. 
What recourse do I have since I can not motivate the court to pay on time even though the payments are made on time?
On XXXX XXXX AMCOL SYSTEMS INC told me I owe {$45.00} than another rep told me I only owe {$10.00} of the account that was originally {$45.00}. So I paid the account in full and it was closed. 

On XX/XX/XXXX I called AMCOL SYSTEMS INC an was told I owe a total of {$180.00} on one account. On XX/XX/XXXX I called back an paid {$82.00} and stated a payment plan. The payment plan was {$20.00} that would equal {$100.00} and was to be bi-weekly tel paid in full. 

The out come was that all three account were closed and reported as closed to all credit bureau. 

On XX/XX/XXXX I requested a free credit report from all three bureau. I notice that AMCOL SYSTEMS INC reported all three accounts paid/closed to XXXX and than reported the incorrect information to XXXX. 

I have been trying to fix this problem withAMCOL SYSTEMS INC and to have the account corrected.
I recently set up a payment agreement with Raush Sturm on XX/XX/2018 for a payment agreement and paid {$1000.00} to start the agreement. I received a letter fom XXXX XXXX that they now have my account after I just set up an agreement with Raush Sturm to pay the reminding settlement amount of {$1300.00} in the next 6 months. I called Raush Sturm they said my account closed and they do not know why. This happened before where they said my account closed and they didn't have it than a week later someone called me saying they do have it and now again my account is closed. I just do not understand how I set up an agreement with Raush Sturm two weeks ago and now it is closed and XXXX XXXX has my account. I need to know what is going on and who I need to pay and why the account got closed
XXXX, XXXX and Experian has been run inappropriately, mis-used, Illegally " shopped '' Auto Financing for what was approved for each  company involved. XX/XX/XXXX - XXXX XXXX XXXX XXXX TN - With this company I came to dealership to have them submit potential loan to XXXX XXXX  ONLY but they refused to do so due to % of loan to value because of negative equity. I advised this was to Only be submitted to XXXX XXXX but I received inquiries for all bureaus for XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX date ALL on XX/XX/XXXX -XXXX from company said he did not run it through to anyone yet showed the credit pull through ALL Bureau 's XXXX , XXXX and Experian has been run inappropriately, mis-used, Abused, Excessively Illegally " shopped '' Auto Financing for what was approved for each company involved. XXXX XXXX XXXX TN - They did not only over run my credit for One date but also re-ran it again without my consent, signature or verbal approval. When asking about my paperwork they would be submitting they refused to give me this information. I advised them to only run to XXXX XXXX, XXXX XXXX, or XXXX XXXX when I came in as I am trying to buy a house, On XX/XX/XXXX ,XX/XX/XXXX, XX/XX/XXXX they ran with 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, XXXX  XXXX , XXXX., XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX , XXXX, XXXX - XXXX from company refused any paperwork for any potential deal they may of submitted, refused me copies of anything signed.Refused to show me any " numbers ''
Recieved a letter from ARA stating that they legally owned a debt from 15 years ago out of SOL by the way. Demanding payment. On bottom of letter it states that if I request verification then they will get a judgement against me within 30 days of my request.
This is the third time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. 

Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been XXXX months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. 

The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That 's all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). 

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! 


The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. 

So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' I request that you do this immediately, which I am sure you are already aware of. 
Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611. 
If your company, Experian, fails to comply with federal regulations by credit reporting agencies ONE MORE TIME, you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for:1. ) Defamation2. ) Negligent Enablement of Identity Fraud3. ) Violation of the Fair Credit Reporting Act
On XX/XX/XXXXI wired {$400.00} from Bank of America to my XXXX XXXX account at XXXX XXXX. When the money did not appear in my account I inquired with Bank of America, Options House ( now apparently part of XXXX ), and with XXXX.
At Bank of America I called every phone number associated with my account, and for hours was transferred to phone menu after phone menu by customer service reps and the automated phone system. Today I went to a branch where the banker experienced the same run around, and could not locate my funds.
When I contacted XXXX XXXX I was informed that the XXXX XXXX account they have been using for years was closed. and that the wire would be rejected. After a week it has not been returned to my account. I had a similar set of conversations with XXXX.
Still no money.
On XXXX XXXX XXXX I attempted to obtain my credit report from Equifax on the XXXX website. I completed the information and got this response with np explanation. This was the response. Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. 

As a XXXX XXXX I should n't be treated this way. I tried to contact them with no response. I wish to make a formal complaint about their failure to comply with federal law. There response makes it difficult for myself and I believe violates the Americans with XXXX XXXX. What are the procedures to formally censure the Equifax for not following the law? Thank you,. 



XXXX XXXX XXXX XXXX XXXX XXXX
We have been working with SPS since XXXX XXXX on the short sale. They have repeatedly delayed the file and we have lost numerous buyers. We had an offer in XXXX for {$250000.00} - even though the value was only {$240000.00} they countered the buyer. The buyer finally walked in XXXX XXXX just as the bank issued a short sale approval letter. We relisted from XXXX until XXXX when we received an offer for {$230000.00}. SPS rejected the offer. We relisted and obtained and submitted an offer in XXXX XXXX for {$240000.00} - the actual value of the home, per SPS. 
Today SPS has countered the buyer, advising they require a NET of 95 % of the appraised value. In a short sale the bank ( SPS ) is legally obligated to pay the realtor commission, transfer tax and title insurance. This means unless the buyer pays SUBSTANTIALLY over market value for the home there is no way to get them 95 % of the value as their NET. This is another attempt for SPS to force my client into foreclosure. My client is a double amputee and is wheelchair bound - he can not live in this two story house. This is the second CFPB complaint against SPS on this particular file.
My name is XXXX XXXX and cell number is XXXX. 
I got call from XXXX first time on XXXX today and after 10 minutes get another call from XXXX number. They said they are credit agency people so they need expuration date of my XXXX card of capitalone bank and they get information from XXXX that I pay my bills on time since 8 months and they can lower my interest rate. 

When I cross question them they start talking abusive language in XXXX. It is my mother tounge so I can understand what they said. I am sure this is international gang for fraud. XXXX is the language use in an XXXX country name XXXX. 

I report it to you and request you to take serious action. 

Your earliest action is highly appreciated. 

XXXX XXXX
Hello, Simply I contacted XXXX to ask them to reinvestigate several hard inquiries on my credit reports. When they got back to me, they stated that I did authorize the hard inquiries, I asked them to provide proof of this and they will not. I ask that you guys aid me in having XXXX completely remove the hard inquiries for lack of proof.
XXXX has not honored the PSLF program. I have provided them with forms showing I have 7 years of public service employment, however, they keep sending letters saying the forms are incomplete. I've sent the correct forms to them on over 3 occasions with little to no resolution. XXXX has misreported my payment plan. I have been in public service for 7 years and want credit for my time served.
In XX/XX/XXXX, we received the annual escrow account disclosure statement which showed a significant shortage. We have attempted to call, email and even XXXX XXXX with LOANCARE inquiring about the escrow shortage as well as how the {$200.00} increase on our mortgage payment can be a difficult undertaking for our single income household. In essence, we simply didn't understand how such a significant shortage can occur. We attempted to call on XX/XX/XXXX at XXXX and were on hold for over 5 minutes and submitted a request for a callback, which never occurred. We called again on XX/XX/XXXX at XXXX and spoke w/ an employee who advised that the possibility of the shortage was due to the fact that the previous owner was military. She further advised how we can submit a request in writing to lengthen the shortage from 12mos to 36mos. I did so via the customer online portal via www.myloancare.com. We were advised it can take 10-15 days to receive word as to whether or note our request would be approved. We never received a response. We then called Customer Service again on XX/XX/XXXX, two times ; XXXX and XXXX. We were on hold first for 12 minutes and the second call was over 53 minutes. We never actually spoke with a human being on XX/XX/XXXX. We looked on the www.myloancare.com website in which you can request an advocate. There is no direct phone line and a form must be submitted online, which we did. We never received word of being assigned an advocate. My wife then called on XX/XX/XXXX at XXXX. We actually spoke with a member of customer service by the name of XXXX. Due to policy, she wouldn't speak with my wife because her name is not on the loan, so my wife conferenced me in on the call. I advised XXXX she has my permission to speak with my wife about the mortgage loan on my behalf. XXXX was apologetic about the lack of response and total disregard of our circumstances and lack of customer service. She asked if we'd like to escalate our issue to management in which we responded with a very firm YES! However, all members of management were busy or not  present and went home for their evening. XXXX advised that we would hear something about our request within 48 hours and that she personally would follow up which never occurred.
I HAVE BEEN DISPUTING XXXX STUDENT LOANS THAT WERE TRANSFERED OVER TO XXXX FOR CONSOLODATION PURPOSES ... ONCE TRANSFERED EXPERIAN REPORTED THAT THERE WAS LATE PAYMENT ON ALL XXXX ACCOUNTS WHICH IS NOT ACCURATE ... .I HAVE BEEN DISPUTING THESE LATE PAYMENTS FOR A YEAR NOW AND EXPERIAN DOESNT RESPONDS EVERY XXXX DAYS WITH A LETTER STATING THAT THEY WILL NOT INVESTIGATE THESE XXXX ITEMS LISTED ON THE DOCUMENT ATTACHED UNTIL I HAVE SUPPORTING DOCS
3 issues. 1 ) they are unresponsive or extremely delayed in any attempt to get the PMI dropped. 2 ) they collect the escrow fees for insurance but did n't pay it and now I have a cancellation notice. 3 ) horrible customer service ... ..It is not right that a consumer is forced to work with whatever mortgage company buys our loan.
My husband and I had a checking account with Regions bank from around XXXX and during that time we found that the bank would change the order of our transactions until they were listed in a way that we would overdraft our account multiple times instead of the XXXX overdraft that should have occurred. Sometimes there would have been no overdraft fee at all according to their policy bc it would 've been under {$5.00} but after the transactions were rearranged there would be multiple overdrafts. Over the span of time we had this account we were charged thousands of dollars in overdraft fees because of them rearranging the transactions. We have recently found out that this practice is illegal and that regions bank has been fined for illegal overdraft fees. What can be done about our case? We quit using our account and now my husband has a debt collection against his credit as we refused to pay anymore of their bogus fees. Our debt to them stands as proof of the amount we were being charged in fees at XXXX time. Please help us