WillisBack/dataset-financial-user-claim huggingface dataset:
We had an original sheriff sale ( Ocwen Loan Servicing ) date of   X/XX/16   and the notice was published on  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX   XX/XX/XXXX ,   XXXX   &  XX/XX/XXXX . We had the property ( in the family for   XXXX   years ) listed for sale despite not wanting to at the end of   XXXX   XXXX   . I  called the local attorneys office   XXXX   XXXX   XXXX   XXXX   on  X/XX/16  asking the price it sold for and who purchased it and left a message. I did n't hear back so I called again on   X/XX/16    and spoke wi thh    XXXX   XXXX   and he stated it was pulled from the sheriff sale because " they did n't serve us '' which they are required by law to do. Since this was published we had to lower our asking price by $  XXXX  because people knew it was going to auction. It is still currently on the market.
My husband has had unfortunate health issues over the last few years being in and out of work. He   XXXX   his   XXXX   over  XXXX  weekend in  XXXX  and was unable to work until earlier this year.  He was in a    XXXX     for  8 mon ths for 23 hours a day with no income. He was denied  XXXX  twice. It is now under a second appeal with an attorney we had to hire to hopefully get some back-pay.
I tried to work with Ocwen for a modification, unemployment forbearance or anything to help save our property but to no avail. They have applied so many fees that we 've lost track. I do not believe Ocwen 's " Helping Homeowners is what we do '' motto because they do n't help homeowners. They drain them financially and emotionally by giving false hope and then letting you down. You talk to people all over the world that you ca n't even understand and end up getting so frustrated going around and around in circles. They need to be investigated, something needs to be done!
Thanks,
Years ago I detected companies I paid to XXXX were reporting my accounts as closed except for 3 out of many, why, I was told by some that's because I renewed my loan. 

I responded, l have a balance whether renewed and the old account information should not be serviced as a different account, it should never have been reported to the credit bureau I was ignored! 

After several years companies are reporting updates of closed accounts year after year after year! Which allows them to stay on my report forever instead of being deleted! 

They are using my credit report to input information without authorization for defamation purposes. 

I have open accounts being reported and the same account is being reported as closed.

In some cases, the company changed their names and are reporting closed in 3 different company names and opened at the same time.
Chase Bank is fraudulently having attorneys XXXX pursue a foreclosure sale on my home when Chase has no interest in my home I have letters stating this but they are still trying to sell my house. The bank and law firm are STEALING MY HOME how does the justice system allow this to happen. They presented fraudulent documents and affirmed documents that were fraud. I have sent letters to the Attorney showing Chase no longer has an interest in the property Chase states they are NOT PROCEEDING WITH THE FORECLOSURE yet the law firm says they are on behalf of Chase. XXXX who was the servicer after Chase also sent me letters and stated that they are NOT PROCEEDING WITH THE FORECLOSURE.Yet this law firm claims to be doing it for Chase and they wont stop until instructed to by Chase who retained them
CFPB is full of complaints against the XXXX XXXX XXXX XXXX. I have filed a number of complaints attempting to correct my XXXX, XXXX and Trans Union accounts. The false reporting has a deleterious effect on my livelihood, my ability to obtain credit and work. I am asking CFPB to conduct an in-depth investigation into my complaint and enforce compliance. XXXX XXXX XXXX XXXX continues to report false information to each of the three credit reporting agencies. XXXX XXXX XXXX XXXX pursued collections on a credit card account I previously held with them. I demonstrated a number of times that I was the victim of fraud and that the charges they alleged were not of my making. I provided them all the law enforcement reporting I had pursued. XXXX  ignored all this information and proceeded with collections. XXXX XXXX XXXX XXXX then CANCELLED THE DEBT when they CHARGED OFF the account and issued a XXXX  reporting the cancellation of the debt. XXXX XXXX XXXX XXXX continues to report a PAST DUE amount of {$22.00}, XXXX. By law, XXXX XXXX XXXX XXXX can not continue to pursue a debt they have cancelled. XXXX XXXX XXXX XXXX can not claim {$22000.00} is PAST DUE when they have charged off the debt and cancelled it by XXXX. XXXX XXXX XXXX XXXX  abandoned all claims when they charged off the debt and issued the XXXX to the IRS. I want this account removed. I want the PAST DUE amount reduced to {$0.00} because nothing is PAST DUE. I want a clean, updated Credit Report. Accounts With a Negative Pay Status LENDERTYPEBALANCE XXXX XXXX XXXX XXXX COLLECTION/CHARGEOFF Credit Cards {$22000.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Charge off Account Status Derogatory Amount Past Due {$22000.00} Account Details Bureau Name XXXX XXXX XXXX XXXX  Account Type Credit Card Responsibility Individual Credit Limit {$22000.00} Credit Used 101 % Highest Balance {$22000.00} Date Account Opened XX/XX/XXXXDate Account Closed XX/XX/XXXX Payment Details Amount Past Due {$22000.00} Date of Last Payment XX/XX/XXXX Monthly Payment {$0.00} Payment Frequency Not Reported Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX XXXX, VA XXXX Remarks Charged off. Canceled by credit grantor.
I have enlisted the help of XXXX XXXX XXXX XXXX to help resolve credit card debt. I have sent letters to close my accounts and contact information to XXXX XXXX XXXX with any questions. I received XXXX calls on XXXX XXXX, 2015 from GE Capital numbers were XXXX and XXXX
What Happened? 
I signed an Auto Lease with XXXX, Ohio, dated XX/XX/XXXX, that was instantly assigned to Ally Financial, the writer of the lease. The lease was a preprinted Ally SmartLease. At Lease End, Ally 's Appraiser allegedly appraised the vehicle and determined there was excessive wear and tear ( Paragraph 25 ) of {$290.00} because there was a large paint run and excessive bondo on the right front fender. PLEASE NOTE : The vehicle had not been painted and no bondo had been applied to the car. 
Per Paragraph 35 ( b ) Ally was required to sell the vehicle. No Sale Occurred. Instead Ally transferred the vehicle to another XXXX dealer using the bogus appraisal as the realized price. PLEASE NOTE : The car was driven 11,000 miles less than the lease provided and the new dealer marketed the car as " certified vehicle '' in excellent condition. I constantly, and continually, raised these issues during my 20+ phone contacts with Ally representatives. Despite my protests and denial of liability, Ally notified all three Credit Bureaus that I had incurred a bad debt. Ally 's actions were designed to damage my excellent credit score. Ally 's actions constitute blatant, intentional consumer fraud designed to extort money from me. These actions represent a continuation of Ally 's pattern and practice of consumer fraud. Note : Copy of Lease can be provided although it copies poorly ( blue carbon paper ).
I have repeated asked them not to call me at work. I fell behind on my bills when I lost my job and just started a new job and they keep calling my boss and asking for me after she told them every since time that I can not have calls at work. I do n't want to lose my job then I really cant pay them anything
I am an XXXX XXXX service member. I was living in XXXX and had XXXX XXXX XXXX for telephone service. When I received orders to return to the XXXX, I notified my telephone provider that I needed to cancel service. I recently noticed that there is a debt from this company on my credit report. I contacted XXXX XXXX of Orion Recovery and asked that they verify the amount of the debt. They responded with documents that are in XXXX and could not explain these charges to me. I have explained to Orion Recovery that I do not believe the amount of the debt they are reporting is correct, but they have offered me no further assistance with this matter. I would like the amount of the debt verified and explained to me in a way that I can understand the charges. I truly believe that I am being charge more I owe. I can provided proof that I cancelled the contract and that Orion Recovery are including charges that were before and after my cancellation.
XXXX are IMPOSSIBLE to deal with this small debt charge has caused me nightmares. They were unhelpful and got me wrong info every time i called for hours. 

When i first got this issue I asked a colleague who does debt repair for advice. He asked what agency had the debt I said XXXX XXXX and he let out a big sigh. He said they are one of the worst to deal with CapitalOne sent bill in XXXX to an address I moved from in XXXX which i updated with the post office. That is public record but i have to blot out the address per the guidelines on this site. 

Instead of contacting me by phone or using my real address they sent to debt collector. Also note I have a different active capital one credit card ( which i can not cancel now since it will wreck my credit score further ) so they have my info but they never sent the bill Furthermore, even if i got the bill i would still not know if this charge was legit or not. Still today i have NO knowledge of what that {$130.00} charge ( which i only received via debt collector ) is for. Nor is CapitalOne or the debt collector able to provide ANY info on what that charge is for. 

I never used this CC once and opened it supposedly 9 yrs ago. Only charge ever was in XXXX which i have no knowledge of and is the one CapitalOne sent to debt collectors XXXX XXXX My wife 's purse was stolen in XXXX which we reported to local police and XXXX ( which did a 90 day credit freeze ) and to all our credit cards that we know of - it could be related but i am not sure Either way capital one aand XXXX  XXXX were totally irresponsible and this should be stricken from my credit score. 

Now i am spending months with XXXX and thousands of dollars in poor rates and to pay XXXX and XXXX XXXX still refuses to budge on this and my credit score is down about 70 points because of that. 

I despise this company and hope the FTC takes action against them. Also if you have a choice ( although I doubt you will ) NEVER use XXXX  XXXX for debt collection I hope a lawyer could help me since I would like to speed up this process of removal and would be happy to talk to someone competent at either XXXX XXXX or Capital One and modify review if they could remove this charge, but to date I have not found a competent person at either. 

I would also be happy to talk to media or anyone about this on the record since the whole credit repair process is so ridiculous and unfair. And I am sure people here have way worse stories than I do and would like to help bring light on this in hopes that the process changes.
CRA violation no knowledge fraudulent accounts on my Transunion credit report. FTC ID Theft Report # XXXX
I co-signed on this vehicle, this case went to court in front of a judge and he adjured for this case to be dismissed. Ford Motor Credit 4 years after keeps reporting current late monthly payments after this was ordered to be dismissed by a judge. I need these folks to be told that this is illegal and they can not be doing this.
Stellar is showing a collection account for & XXXX regarding XXXX. I have a current account with XXXX at my home of 12 years. I have forwarded a current paid up account invoice with all account details. I am not in arrears with XXXX and this collection account should be removed. No verification ever provided although requested and disputed at all Credit Bureaus
I am continously reviewing the particular debt on my credit report and i have not recall of this debt. please i am requesting the incurracte reporting on my credit report to stop.
In XX/XX/XXXX, I filed bankruptcy. My Navient loans went into a forbearance that basically double my loans instead of being discharged. After the bankruptcy was discharged in XX/XX/XXXX, I have been trying to work with Navient to lower my payments. They have often put my loan into forbearance and I am no longer given the option for an income based repayment plan as they say I am no longer eligible. I tried to request lower payments but, because I have a cosigner, they would not work with me. I tried to have my cosigner taken off my loans but they said that it is not possible unless the cosigner dies and I have proof of it. The high cost of the loans is creating a financial crisis in my life and Navient is unwilling to work with me on lowering payments.
A company called Van Ru Credit Corporation located at XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX, is continually sending me letters to collect a debt which has expired. They have not removed this debt from my credit report either. Even the letters state that the debt has expired. If I contact this company directly, the 'clock ' will start running again and even states as much in the letter. The original debt was less than {$300.00}, but they have inflated it to {$2200.00}. Can you help me. I am a XXXX veteran with limited resources, but still need a good credit rating like everyone else in this country.
An inquiry dated XXXX XXXX2016 is reporting on my credit. I did not authorize anyone employed by Bank of America to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the address of the company. Did not receive a response or proper resolution
I have sent letters stating I did not authorize these inquiries or have knowledge of authorizing these inquiries. I request documentation is sent that I authorize these inquiries or these inquiries be removed from my profile. 

XXXX Rent XXXX, PA XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not sure who this XXXX XXXX  XXXX XXXX XXXX XXXX
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXXAtlantic Pacific Mortgage XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, New Jersey, XXXX ( office ) ; XXXX XXXX ( fax ) Dear XXXX XXXX, XXXX : I am writing you regarding the foreclosure you filed with the XXXX XXXX Courts in XXXX, NJ XXXX on XXXX/XXXX/15, one month after I paid the total amount Due to Atlantic Pacific Mortgage and they cashed the check but fail to apply it to my account. On XXXX/XXXX/15, According to the XXXX/XXXX/15 statement, the total l amount owed was {$9600.00}. I paid off the total amount of that was owed on the loan pursuant to the statement received from Atlantic Pacific Mortgage, ( XXXX/XXXX/15 BILL PAY Atlantic Pacific ON-LINE XXXX ON XXXX XXXX ). You can verify this with XXXX by calling 800-956-XXXXSince XXXX 2015-XXXX 2015 this is the total amount paid to XXXX XXXX Mortgage ( Attached you will find an actual copy of the bank statement ). Here is the information : XXXX XXXX XXXX Page Sign Off | Home | Locations | Contact Us | Online Security GuaranteeXXXX XXXX Business Online Accessibility Information Skip Navigation to go to main content of this pageAccounts Transfers & Payments Brokerage Account Services Messages & Alerts Online Solutions Open an AccountOverview Bill Pay TransfersBill Pay Overview Payments Payeese Bills Reports Notices User Profile HelpThe time period you select may not include your entire statement history. Please refer to your account statements to view complete past transaction history. 
Report Title Generate Report Customize Reports My Spending ReportReport : Payments for ATLANTIC PACIFIC MORTGAGE CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX AN : XXXX ; Phone # : XXXX ( XXXX/XXXX/2015 - XXXX/XXXX/2015 ) Payment Sent Payee Amount Payment Account Status Categorylick on link column headers to sortPayment Sent Amount Memo/Invoice # Reference # Payment Account Status ActionXXXX/XXXX/2015 {$620.00} n/a XXXX XXXX regular checking PaidXXXX/XXXX/2015 {$620.00} Mortgage XXXX XXXX XXXX PaidXXXX/XXXX/2015 {$620.00} n/a XXXX XXXX regular checking PaidXXXX/XXXX/2015 {$620.00} XXXX XXXX XXXX regular checking PaidTotal Paid $ XXXXXXXXWhen I did n't accept the loan modification, I paid the outstanding balance based on the XXXX/XXXX/15 statement : These were sent to Atlantic Pacific Mortgage Corp ( Account Number : XXXX ) Payment Sent Sorted Descending Amount Memo/Invoice # Reference # Payment Account Status ActionXXXX/XXXX/2015 {$700.00} n/a XXXX XXXX Crown Banking PaidXXXX/XXXX/2015 {$9600.00} n/a XXXX XXXX XXXX PaidTotal Paid {$10000.00} Grand Total : $ XXXXXXXXThanks in advance for correcting the issue. 

Sincerely, XXXX XXXX XXXX
I started the modification ( RMA ) process with XXXX in XXXX of XXXX After processing reams of paperwork, all of which were redundant items asked for over and over again, a modification was given in XXXX of XXXX. I was put into a 3 month payment trial which I lived up to. In XXXX regular modified payments began. I was sent the modification agreement to be signed and notarized in duplicate. I signed and had notarized both and sent it in, but put a note on the bottom stating I was signing under duress as I was told this would be a principal reduction. It was a standard modification. They called and told me they could not accept this with the note and would not do the mod with the note. They said they would send XXXX more forms for the original mod agreement. After 5 days I called and they said they had sent it. The woman I spoke with, XXXX XXXX on XXXX/XXXX/XXXX asked me if she could fax it to me. I agreed, she faxed the form, I made a copy of said form and proceeded to have both notarized and placed my original signature on both. Sent it in through regular mail and they in turn called to say they do not accept fax copies! The form itself was a fax sent by them! The signature and notarized RAISED stamp were original. I said you people sent the fax. What are you talking about? Well, the person faxing should have told you we did n't accept faxes. Why would she have faxed me then? Here we are after being told they were OVERNIGHTING another mod agreement XXXX, said which never came. Called again and was informed I have been put back into foreclosure!! Something untoward is going on here. The only explanation that makes any sense to me is they are attempting to get out of doing the mod already offered and payments accepted until the last XXXX I sent and they received on XXXX XXXX. They refused the XXXX XXXX payment ( of which I have proof of them receiving on time through XXXX XXXX ) so now they can claim I have n't paid, I guess. After nearly three years of being put through a ringer when I qualified from the very beginning and to now have them pull this kind of under-handed game with the roof over my head is reprehensible and unconscionable.
Post the Equifax breach I tried on XX/XX/XXXX to reach out both online and phone to Equifax 3x for a freeze.  Both systems booted me or did now work.
My husband lost his job around the same time my hours were cut at work a year or two ago. I had 4 credit cards at the time. Due to English being my second language I ask my husband for help with taking care of our credit card debt. He made multiple calls to each credit card companies explaining our situation in detail. We asked for any forgiveness and if there could be any payment plans we could take on until we were back on our feet. With XXXX children we are pretty maxed out when it comes to paying all the bills with just one salary. None of the credit card companies would work with us in any way. Eventually my accounts were sent to collections when we could not meet the monthly minimum. Again tried calling the card holders and was completely shut down saying there was no arrangements that could be made. My husband and I both now have full time jobs and are moving in a great direction. However my credit score still suffers from a tough time in our lives when we had little to no control of what was happening in our careers. I complain simply because I did everything in my power to make things correct with these creditors and avoided bankruptcy at all costs. My credit score should make it aware that i do my best to make sure my bills are paid on time  and to the best of my ability
Rushcard had an update to there system which locked me out of my account and I am unable to check my balance and all of my transactions are getting declined. My direct deposit deposited it and the wrong amount was marked up and them removed then a different amount posted to the account. I withdrew and paid as many bills as I could went back to get the rest of the money that was left in my account and it was gone my account know shows a zero Balance there should of been at least XXXX dollars left in the account know there is no money. I cancelled my direct deposit because Rush card customer service will not talk to me.
O n  XX/XX/XXXX ,  I sen t Lexis Nexis ( Consumer Center ) Attn : Full File  Disclosure,  XXXX , GA  XXXX , a certified letter along with supporting documentation regarding a Tax Lien from  XXXX   County Superior Court  ; Case ID #  XXXX , filed  XX/XX/XXXX  in the amount of {$1800.00}.     LexisNexis has been reporting to  XXXX  completely inaccurat e information. First of the a ll, the tax lien originated with the  Georgia Department of Revenue ( I ncome Tax Lien Section )  ; Lexis Nexis  has the Case ID #  XXXX  ; In addition, the lien was released o n  XX/XX/XXXX  ; Lexis Ne  xis has it being released on  XX/XX/XXXX . Furthermore, On  XX/XX/XXXX , and  XX/XX/XXXX , I disputed the sa me tax lien with  XXXX  reported by  XXXX   County Superior Court ;  Case #  XXXX  ; Amount : {$1800.00} in the file of  XXXX  maintained under my Social Security number.     I was informed on   XX/XX/XXXX  t hat the item was deleted from my credit report.   Now I discovered that the item has been reinstated on my credit report.   In accordance with the requirements of the FCRA sectio n 611 ( a ) ( 5 ) ( B ) ( ii ),    XXXX   was required to notify me of the reinsertion in writing within  5  business days.   ( B ) Requirements relating to reinsertion of previously deleted material (  ii ) N otice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than  five ( 5 )  business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.I WAS NEVER NOTIFIED OF SUCH REINSERTION OF THIS TAX LIEN ON   XXXX     CREDIT FILE UNDER MY SOCIAL SECURITY NUMBER.      Please validate this information with  XXXX   County Superior Court and  h ave Lexis Nexis  provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file maintained under my social security number. I do not consent to  XX/XX/XXXX  or any means of automated verification, which is exactly what LexisNexis is doing along with  XXXX      Note : The  Georgia Department of Revenue n or The  XXXX   County Superior Court N EVER RELEASE ANY INFORMATION TO CREDIT REPORTING OR CONSUMER REPORTING AGENCIES. I have accompanied proof of this fact.     I have accompanied this dispute with supporting documentation.