WillisBack/dataset-financial-user-claim huggingface dataset:
I am in the process of refinancing my XXXX and XXXX Mortgage. I currently have both with Ocwen who bought the loans from XXXX who bought it from GMAC. I had asked for help to lower payments on our loans a few years back due to the economy and salary restructuring from my job. 
I have been approved to get this new loan from a different lender, but Ocwen has informed me that I have what they call a Shared Appreciation amount tagged onto the payoff. I have asked for this to be removed as I explained my situation that this would help me and my family get reorganized and back on our feet, due to hardship with my wife health and medical expenses. 
Ocwen verbally has said that the Shared Appreciation amount has been removed several times, which i have 2 payoff quotes showing it. Now they state that it can not be removed. Myself and the new lender has been calling and talking with Ocwen several times a week about this and getting no where. My wife and I never agreed to a Shared Appreciation amount as we never signed an ok for it. We did sign for a modification on the existing loan a few years ago but this was not with Ocwen. 
after todays phone conversation with Ocwen I have gotten no where but an I 'm sorry we made a mistake. I am out a few thousand dollars, and a lot of time as I have been trying to resolve this since XX/XX/XXXX. All I am asking is to pay off both the XXXX and XXXX mortgages and be free and clear form Ocwen.
I have never been contacted by this company for payment dueThis amount owed has affected my background check which will not allow me obtain employment
XXXX You have failed to establish that the information you are reporting is accurate. Instead, you merely provided an entry from a computer screen that, for all intents and purposes, proves nothing. I suggest you carefully review the Fair Credit Billing Act ( FCBA, Title 15 U.S.C. 1601 et. seq. ) before proceeding any further.

To summarize, the FCBA ( see 15 U.S.C. 1666 ) requires that you establish the following : No unauthorized charges occurred. 
Charges do not list the wrong date or amount ; There were no charges for goods and services that I didn't accept or weren't delivered as agreed ; You did not make any math errors ; You did not fail to post payments and other credits, such as returns ; You did not fail to send bills to my current address ; Charges for which I asked for an explanation of written proof of purchase along with a claimed error or request for clarification Your next letter must fully establish that the information you are reporting to the credit reporting agencies is accurate. 
As required under 1666 of the FCBA, I expect final resolution of this matter within 30 ( THIRTY ) days and look forward to receiving written confirmation of receipt of this demand as well as a detailed description of all actions you have undertaken in acting on this request. 
Sincerely,
On XXXX. XXXX I received an authorization from JC Penney 's, XXXX, for a reselection of a new mattress, due to our being found to be defective. This process started in XXXX of XXXX. 

We were to reselect a new mattress, pay for this transaction and receive a refund of our defective mattress after they picked it up. We purchased the new mattress and it was delivered on XXXX XXXX, XXXX. Our defective mattress was picked up at the same time. 

The original purchased occurred on XXXX XXXX, XXXX and was placed on a JCP credit account I opened on that day. During the reselect, I informed JCP that I had closed my account in XXXX and was told they would send a check once they issued the credit and discovered I no longer had an account. JCP issued a credit to the original account, now handled by Synchrony Financial , Bank, previously GE Financial. The original account was closed by GE in XXXX XXXX, due to some sort of fraud, at which time they issued a new account. I paid off this account and asked for it to be closed on XXXX XXXX, XXXX. 

I have spent hours talking with representatives and supervisors at both JCP and Synchrony Financial, who confirmed that JCP issued me a refund of {$2600.00}, on XXXX XXXX. This credit went to the original account, which had been closed due to fraud because that is where the purchase originated. On XXXX XXXX, XXXX, I spent almost two hours speaking to four different people including two supervisors, one in fraud and one in credit, at Synchrony Financial. The money is still sitting in the original account and they refuse to release it to me. I have provided all info they requested and yet they tell me they are still trying to figure it out. 

The original reselect email sent by JCP states, " Once the defective merchandise is checked into our warehouse your credit process begins. It usually takes approximately 3-5 business days to post to your account.
We have been making payments to the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX. Last payment was made XXXX/XXXX/2016 for {$150.00} on check # XXXX. We received a notification from Central Financial Control a Debt Collection Agency for the balance of {$260.00}! Central Financial Control has the same mailing address XXXX XXXX, XXXX, AL XXXX. THIS IS THE SAME COMPANY COLLECTING FOR XXXX XXXX XXXX XXXX and using the tactic that they are collecting a bad debt when there is n't any. When contacting Central Financial Control regarding this, they said the account would be considered past due unless we signed up for a monthly payment plan. Central Financial Control is fraudulently implying that the only way we can pay this debt is through a monthly plan, and that this is considered to be a bad debt, even though it 's been paid regularly. This is FRAUD and DECEPTION. When we requested that XXXX XXXX XXXX XXXX send us an updated bill, the woman XXXX employee number XXXX or XXXX stated that the only way we could get a XXXX XXXX XXXX XXXX bill was by signing up for a monthly plan.
Complaint ID : XXXX The aforementioned Complaint with Experian is not resolved. Per the FTCA, any derogatory item that can not be verified ; verified means, the original furnisher of information ( not a third party, XXXX, etc. ) i.e. credit card company, student loan lender, mortgage company, or court of record for legal matters. Experian, upon request must send where and whom the reported information originated to prove this reported information is not only valid but also, verified. 
If the information disputed, is still " unverified '' as defined by the FTCA, procedures for reporting. The disputed information must be investigated, verified as outlined via the FTCA and IF a disputed item can not prove valid, the item, deleted from the credit file.

The original complaint to the CFBP recorded, XX/XX/2018, went unfulfilled. Since filing a formal complaint with the CFPB, Experian sent letters, titled-notification of dispute, investigation results, and finally, an explanation for the results, with a catch-all summary and consumer rights jargon printed on the trailing pages of the letters mailed. 

Experian 's generic mass produced letters, a waste of time and nothing more. Per the FTCA, the item ( s ) of dispute should no longer appear on Experian 's credit file, yet remain. I request all disputed items be deleted per the FTCA procedures for reporting.
I have worked with XXXX bank regarding a loan that was paid off in XXXX. It started to appear in my negative credit portion of my account in XXXX XXXX showing I was currently delinquent. I worked with the bank and OCC and they removed it from all my credit bureau as it should have been in my positive credit. Please see the attachments for XXXX of XXXX. All XXXX bureaus were corrected. Then in XXXX Equifax started reporting it incorrectly again. I worked with the bank again and OCC and they XXXX have determined it should be removed ENTIRELY off my credit. I have enclosed the letters dated for XXXX XXXX of the investigation that was completed. I have waited for a number of weeks and Equifax is still reporting it negatively. I have disputed it again with Equifax and they refused to remove it from my credit. Please see the most recent credit dispute with them. This is costing me more money in loans as my credit score is not correct and creating a hardship. The XXXX Bank account needs to be removed immediately from my credit. If it continued to report, I will have to file a lawsuit again Equifax and XXXX bank. I have indisputable evidence that the OCC and XXXX bank XXXX agree the information that is being reported by Equifax is incorrect and is in violation of the fair credit reporting.
Continuation of complaint # XXXX I've already contacted your office in regards to a complaint with Chase Bank. However, your not doing enough to resolve the issue. 

I'm on Social Security XXXX and I cant believe they treat XXXX people like this. Shame on them. 

I have proof of payment on a cashiers check that I got from my Dad and his wife. It took three weeks to get it since the XXXX XXXX XXXX is on a rolling provincial strike ( meaning this week this province and a different province next week. ) The quickest way for me to get proof of payment is this way but Chase has called me a liar that my dad doesn't live in XXXX. I had given Chase my pass port for second ID. It may say US passport but it also give original country of being XXXX. 

They also told XXXX XXXX that I gave them a fraudulent check and they even closed my account and wont release the less the {$6.00} in my account. 

I have included a copy of my Chase statement and there corporate office told me the funds have been in the account waiting to be picked up. Yet when I go into a branch they won't release the funds. They keep saying its a fraudulent check without proof. I have proof its not even if its emailed to me its still more proof than what they have. 

Since they arent releasing the funds. What is my next legal action? Court? I can do that.
Loan was sold during my chapter XXXXBankruptcy and it was paid in full to Company.
I enrolled at XXXX XXXX XXXX XXXX in 2012. At the time I had {$XXXX} income and only very small amount of child support for XXXX children. I filled out all necessary paperwork at the school for financial aid. Upon graduating, I started to receive payment statements for my loan of almost {$14000.00} due to the federal gov't. There is no way that with {$XXXX} income I would be able to make $ XXXX monthly payments. I contacted Navient and was told on many occasions that this is what I owe. How is this even possible.
I have repeatedly requested that Rash Curtis & Associates provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
" WFDS '' pulled my credit twice without authorization. Once on XX/XX/XXXX and again on XX/XX/XXXX.
The loan continues to be transferred from servicer to servicer changing rates and adding fees. I could no longer pay the ballooned loan and it was suggested that I defer he loan, I was not informed interest would continue to compound. The loan is now out of control I do not know how I will ever get out of debt. I was lied to, misrepresented to, taken advantage of, and failed all for naiveness profit multiple times.
I am a victim of identity theft. The following accounts and credit hard inquiries listed on my XXXX, Experian and XXXX XXXX credit report are fraudulent, not mine and dont belong to me : XXXX XXXXXXXX XXXX, XX/XX/XXXX, {$780.00}, XXXX XXXXXXXX XXXX, XX/XX/XXXX, {$520.00}, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX. I been receiving harassing and threatening telephone calls of profane language, death threats, threats of legal action, being arrested and going to jail and prison from XXXX XXXXXXXX XXXX representatives for over 1 year for the fraudulent XXXX XXXXXXXX XXXX credit card accounts. XXXX XXXXXXXX XXXX  is in clear violation of The Fair Debt Collection Practices Act ( FDCPA ). The XXXX XXXXXXXX XXXXk credit card accounts and credit hard inquiries are all fraudulent, unauthorized and dont belong to me.
Received a call from, XXXX XXXX XXXX. I left a voicemail and told him to stop calling and his number was blocked. He called back at XXXX ( XXXX time ) from a different number in XXXX. He told me it didn't matter about me blocking the number that he would call me everyday ( harassment ). I called back and he rudely told me I owed on a XXXX account for {$1900.00}. I had to call him back several times because he told me I had an attitude and refused to give me details. After being hung up on 4 times he finally told me it was an attempt to collect a debt. I have never had a credit card with XXXX and told him this but he told me he would be contacting our local authorities to handle me. He falsely told me I had been contacted and authorities sent to my address which from his records was an old address 6 years ago. He even had my full social security number which I'm not sure how he obtained this.
I am the seller of a home in New Mexico. I was charged a client fee of {$75.00} which was added to an appraisal charge of {$450.00} for a real estate transaction. I agreed to pay for the buyer 's appraisal, but not additional fees added on by the Mortgage company. When I questioned the mortgage broker about the extra charge she was very rude and refused to explain why that fee was added.
Credit report shows I am in collection for {$1700.00} debt not mine. Store not around, never been billed, debt from XXXX contacted credit report ( XXXX ), XXXX XXXX XXXX collection agency and have not had it removed
Citi told me they would delete my account off of my credit profile if I made a payment to take care of my debt. I made the payment, and they did not delete the information. They performed a " bait and switch '' to get their money. Even though I took care of this debt they are also still reporting derogatory information on my credit profile.
In XX/XX/XXXX when my loans became due from Navient they wanted me to pay {$1400.00} a month and with my income there was no way I could afford that. I asked them to extend the amount of years for repayment and they said no, instead they gave me a Rate Reduction Program for 15 months and reduced my interest rate and made my payment much lower. I still struggled as I was paying out {$1100.00} a month in student loan payments. I received an email in XX/XX/XXXX stating my Rate Reduction Program was soon coming to an end and if I wanted to extend it to fill out financial paperwork and request the extension. I filled out the paperwork and I called in XX/XX/XXXX to extend the program and they said I couldn't do anything until the Rate Reduction Program actually ended. I was told I had to wait until XX/XX/XXXX when my new billing cycle came out. When I received my new bill for XX/XX/XXXX after the Rate Reduction Program ended I also noticed they increased my interest rates to a much higher rate then when I got the loans. I called Navient on XX/XX/XXXX and inquired about extending my Rate Reduction Program. I was told I did not qualify because I do not have a bad mark on my credit report and because my credit is good I don't show financial hardship. I told them if they look at my income and the amount they want me to pay monthly on top of the other student loans I pay I do show financial hardship. Their only answer is for me to find another company to refinance my loans through. There isn't a company out there that will give me {$140000.00} loan based on my income. It makes no sense to me that they would want to ruin my credit ( after I have faithfully paid my payments in the program I was in ) before helping me. My defaulting on these loans doesn't help anyone. My circumstances last year were no different from this year and I qualified for the Rate Reduction Program. There has to be a better system for Navient to work with people who want to pay back their high balance loans but can not afford the ridiculous monthly payment they want.
American Express keeps me calling me to collect a debt which I can not pay at this time due to being unemployed. I have informed them of this repeatedly but they continue to call nearly every day. The people calling are very rude and harass me in order to collect their debt. I explained that I can send partial payments but they tell me that I must send at least the minimum.
Every few months, I get calls from debt collectors, MRC Receivables ( XXXX ) for a debt owed by XXXX XXXX ( I'm guessing the previous owner of my phone number ). This has been going on every few months for the past 6 years. Every time I inform them that she no longer owns my number ( XXXX ). This morning, XXXX   around XXXX  I received another robo-call from them stating they have a legal case against me ( not stating who the case was against ) and to call them back.
I RECEIVED AN EMAIL ALERT ON XX/XX/2017 VIA XXXX INDICATING I HAD A CHANGE WITH MY DEBT. I LOGGED ONTO XXXX SITE AND NOTICED THAT STELLA RECOVERY REPORTED THAT I OWED {$1400.00}. I HAVE NEVER HEARD OF THIS COMPANY AND I HAVE NEVER RECEIVED ANY CORRESPONDENCE FROM THEM REGARDING THIS DEBT, YET THEY REPORTED THIS TO XXXX.
I have notified Trans Union and XXXX XXXX via mail that there are some unrecognized/unauthorized inquiries on my credit report. The inquiries are dated X/X/17. I have not gotten any responses from XXXX XXXX or Trans Union.
XXXX XXXX XXXX ran my credit without authorization me between XX/XX/2018 - XX/XX/2018 contact the company they dont know who ran my credit
I was the first one in my family to attend college and nobody could afford to send me completely. I received significant scholarship funding and financial aid but still needed to take out about {$50.00} XXXX in private loans. Over the last three years, the interest has boosted that amount to $ XXXX already. This is in conjunction with federal financial aid that is well over XXXX figures. There is no way I 'll be able to support myself and I 'll have to move back home. They charged me just under 10 % interest on a loan for $ XXXX. This is obscene. I would have been better off not attending college.
I have a debt for {$100.00} on my credit files. I disputed through the credit bureaus. However, I am not getting anywhere because they wo n't removed. When I requested debt validation from this company over 6 months ago, I have not gotten anywhere. I pray this time you will help me to get this debt validated or removed from my credit files. 

PLEASE REVIEW PAGES XXXX & XXXX ON THE XXXX REPORT
This is an account show closed on my credit reported with a balance I do n't have any idea where the balance come from and now I received calls from collection agency asking me to paid this debt. I do know this company and either the amount due.
I received an email from Direct Recovery Services indicating that it was a final notice to collect a debt for XXXX for {$480.00}. I do not have and have not had an account with XXXX and have never been contacted by this or any other company in regards to this debt in the past. Since I do not know who they are, I do not want to call them or open any attachments from their email.
XXXX and equifax will not re-investigate incorrect information that is being reported on my credit report. I have been a victim of identity theft for a card that was opened up in my name. ( XXXX ). I have phone experian and equifax to re-dispute this information and was told it was verified as mine and they will not re-dispute information again. This is ridicilious. I have written many letters to XXXX ( with no response ) along with phoning them and getting the run around. I have also called the credit beaurous numerous times to tell them that this fraud is causing a hardship with my credit score. They will not re-dispute. How can they get away with this? I am being penalized for something I DID NOT DO
I purchased an American Express Gift Card with a balance of $ XXXX from a XXXX store on XX/XX/XXXX at XXXX XXXX. 

I found an authorized transaction on the card an hour later and immediately called American Express to block the transaction as it was unauthorized. They refused to block it although the transaction was until then in PENDING state. I called them multiple times and spoke to different persons each time and explained to them the theft taking place. Yet none listened to my request to cancel the unauthorized transaction and they only put a hold on my gift card for any future purchases ( although it was being emptied by the unauthorized transaction already ). Because of that I could not even monitor the card online for more information on transaction. 

I called them the following day and then again on XX/XX/XXXX. but they told me that the ( unauthorized ) transaction has already settled and they can do nothing about it. They told me to settle with the merchant, which is ridiculous. How can I settle with the merchant who received my stolen money? Such thefts use clearing houses ( in this case, XXXX XXXX ), which keep the identity of their merchants hidden. The charge appears on the card only as " XXXX XXXX XXXX XXXX  '' and XXXX XXXX then does not provide any info on their customers. 

I am sure I am not the first person to be scammed like this. I can hope to be the last if CFPB can force American Express or XXXX XXXX to refund me my money and punish the criminals of this white collar crime, in which American Express and XXXX XXXX are complicit. 

Thank you very much!
I was notified by my city that a property tax payment had not been made and that a fee and interest was being added. I contact the city who confirmed no payment was received. I notified Ditech that the city had not received payment, they made an additional payment, with both payments being paid from my escrow account. In the end two payments and a late penalty were deducted from my escrow and only one payment was applied to my property taxes. 
I have contacted the company multiple times including a formal notice of error, and never received a final response regarding the missing payment. They also have not provided any information to myself or the city about a check number or receipt for the payment they claim they made. 

Events : 1 ) XX/XX/XXXX Deduction appears in escrow account for 4th Quarter bill ( {$710.00} due XX/XX/XXXX ) 2 ) XX/XX/XXXX Receipt of real estate demand from City of XXXXXXXX for {$740.00} ( outstanding bill plus additional fee and taxes ) 3 ) XX/XX/XXXX Correspondence sent to Ditech informing of unpaid taxes and demand letter 4 ) XX/XX/XXXX Ditech responds claiming payment was made XX/XX/XXXX 5 ) XX/XX/XXXX City of XXXXXXXX Treasurer  confirms via email that no payment was received on XX/XX/XXXX or since 6 ) XX/XX/XXXX Call to Ditech speaking to Taxes & Insurance department. Ditech Representative confirms there were issues transmitting the payment, confirms I am not responsible for fees and interest on outstanding bill, and schedules payment on outstanding bill and taxes and fees. 
7 ) XX/XX/XXXX payment of {$760.00} posts as being made from my escrow in addition to XX/XX/XXXX deduction from my escrow. 
8 ) XX/XX/XXXX Formal Notice of Error filed with Ditech, Ditech receives complaint ( XX/XX/XXXX ) with response expected within 30 days 9 ) XXXX/XXXX/XXXX Ditech response saying they need to investigate further, and extend response an additional 30 days 10 ) XX/XX/XXXX Ditech response saying they need to investigate further, and extend response an additional 30 days 11 ) XX/XX/XXXX Loan servicing is transferred from Ditech to XXXX XXXX   11 ) XX/XX/XXXX Ditech response saying they made payments but need to confirm with the city, and I will be notified when the investigation is completed with a response 12 ) XXXX contacted Ditech and was always told I should receive a response 13 ) XX/XX/XXXX contacted Ditech and was told they had responded, but could not proved me information about the response. Told me to contact new servicing company 14 ) XX/XX/XXXX contacted new servicing company whom never responded