WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/XXXX at about XXXX received a phone call on my cell from XXXX XXXX XXXX of OCWEN, informing me that my modification payment was late as of XXXX/XXXX/XXXX. I told her that I did not know that I had a modification since I had not heard from them since applying in XXXX XXXX. She said the modification had been approved and the terms were mailed out to me but had been returned by the USPS for the wrong address. ( I later found this to be incorrect USPS has not returned any of my mail ) .She stated that I was still responsible for the terms even though I did not know what they were. They had their attorney tell me not to contact them in XXXX even though I was in a modification. She also set up a return call. Later that day when I got home I called them and spoke with a different rep and she sent me a statement dated XXXX/XXXX/XXXX it showed that I was 2 months behind on my trial modification. My online access had been blocked & she helped me gain access and requested research on the address issues. On XXXX/XXXX/XXXX spoke with their attorney he said he had the modification but had not given it to me because there was n't enough time so he returned it to OCWEN. He wanted to know if I was willing to sign a release if they would modify I told him yes. I told him about Keep Your Home California. He said OCWEN would not use them because too many stipulations. ( but they participate in the program ). He said you see how court goes so they can keep paying me and we can go to appeal its no skin off my back. on XXXX XXXX called and said mod had been cancelled because no funds received on modification. but there was no date when it was cancelled. i told him it was still active. he said i had to reapply and to call the attorney, because even though the mail piece was returned the attorney also had it. I asked if he could send me a copy of the term again, he said no then yes but only email maybe. He would have to request and see if it was approved. Then he said that he could change my payment amount and make the mod not be cancelled when I told him that I had a current statement. The attorney sent me emails again saying I was not supposed to contact them and it was in bad faith even though the case was over. He admitted to knowing about what they were doing. I have a document from them saying I was under review that the rep showed me on XXXX. I just opened my email XXXX I have the mod agreement dated XXXX/XXXX/XXXX. they lied about the amount the printed on my statement vs the mod agreement, how long the interest rate would last, the P & I was different and there is a balloon payment. it was sent via secure email ( see attachments ). Noted the address is correct on the document.
This is about the three major credit agencies and the errors I can not get fixed. 

On XX/XX/XXXX I closed my XXXX cell phone account after repeated and egregious fraudulent charges went unaddressed. I opened an account with another service. My bill was paid. Their bills continued to accrue even though I not only no longer had service with them, AND had been billed for and paid charges for months in advance, AND confirmed that I owed nothing online with a chat rep and downloaded a document which Ill include, yet they continue to report a delinquent account on all three credit bureaus : Experian, XXXX and XXXX. 

Ive tried correcting this with those agencies but they either have online forms that are hosted on sites that break down, or they seem to do nothing. 

In addition, all three agencies are listing hard inquiries, some twice, on the same datesXX/XX/XXXXXX/XX/XXXXand XX/XX/XXXX when I applied for a car loan online and then with XXXX not knowing single applications would go to multiple banks : XXXX XXXX XX/XX/ Consumer portfolio XX/XX/ and again XXXX XXXX XX/XX/18 XXXX XX/XX/18 Among others. 

Also, they all list me as having no credit history yet I paid XXXX XXXX XXXX for three years on time. When they sold it to XXXX XXXX they also list me as current. 

Addresses are wrong, places Ive never heard of are listed as former homes.
XXXX/XXXX/15 I used a Bank America promo check - which was guaranteed no interest for a year. AT the end of XXXX the Statement showed that as I had paid over amt due - that my promo debt went from XXXX to XXXX. So far so good - then in XXXX I overpaid again - but instead of the promo debt going down or staying even it went up to XXXX. WHy? I called 18 times and told all kinds of reasons to be overcharged. Today a so called exec said they do not tell promo balance to members cause they do n't period. SO how is one to know a promo balance in order to make sure it is paid before APR interest collects. My contratc with them says I have 1 year but if they increase my debt each month it will NEVER be paid. 6 hours, XXXX phone calls, XXXX emails and NO assistance. It seems to me they want promo people to default to collect extra interest compounded backwards to make it worse. AT least tell me each month how the promo is going down or remaining the same not going up?????
USAA reported my personal information without my consent, I have told them several times in the past that they were not allowed to share my home address due to the nature of my employment. I recently applied for a mortgage and I told the Loan Officer that she was not allowed to share my personal information or report my home address to the credit bureaus. I just find out that USAA reported my information when I explicitly told that that they were not allowed to share that information.
Kohl 's department store continues to contact me numerous times each day, and no matter what they leave voicemails that repeatedly disclose that they are trying to get a hold of me.
My mortgage was transferred from XXXX to Nationstar Mortgage in XXXX TX on XXXX XXXX, XXXX. On Friday, XXXX XXXX, I received " opt out '' form dated XXXX XXXX and letter of explanation dated XXXX XXXX. No other dates appeared on the forms. I called them to opt out and they said they would process this, but it may take up to 30 days. 
This violates the Gramm-Leach Bliley Act. 
When I spoke to a supervisor XXXX XXXX, and told him I wanted to opt out now, he said there was nothing he could do. I told him to speak with his legal department about not dating the notices which would allow people, by law, the 30 days to opt out before selling all private information. He said he would make a note in my account. I suggested he make a note to his legal department. 
I am sick of receiving up to XXXX calls a day ( even after I block/ignore numbers! ) from people looking for me to invest, buy, give, etc. The OPT out rules are not being followed and it is a shame the government is protecting the rights of businesses to screw me instead of protecting my rights - I should be able to OPT IN if I want all my personal information sold and used! Businesses should NOT be allowed to use and sell ALL my private information without ME approving it!
I have tried on more than one occasion to dispute the verbiage on my credit report. Equifax refuses to change it despite my efforts. XXXX, XXXX XXXX XXXX, and XXXX XXXX state they can not fix the problem since they don't actively have the debt. The debts were discharged in bankruptcy. Equifax need to resolve it and post it accordingly. Each entity needs to post accordingly. These debts were not claim paid, charged off, written off, or transferred. They were discharged in bankruptcy due to fraudulent payment activity, debts the trusts could not prove they owned, collections lawsuits on debts that can no longer legally be sued over, reporting negative credit information, and suing consumers for debt without proper documentation, and filing false or improperly notarized legal documents. As of XX/XX/XXXX, Equifax states that the debts " Comments on your account changed from Consumer disputes - reinvestigation in process to Consumer disputes - reinvestigation in process, Transferred to recovery, Charge off account, Student loan ''. So essentially I have made " 0 '' progress despite of the fact I sent them my bankruptcy discharge documentation on XX/XX/XXXX.
Experian is reporting a paid collection that was settled with XXXX XXXX XXXX in XXXX of XXXX as a collection as of XXXX of XXXX. I previously disputed the incorrect status on XXXX/XXXX/XXXX because the settled account was reflecting as a collection as of XXXX XXXX, today XXXX/XXXX/XXXX, I received the result of the dispute that the account was again made to look like the paid account was a collection as of XXXX XXXX. My XXXX score has dropped almost XXXX points as a result of this because the paid collection is now being recognized as a new collection and I have recently been denied a loan because of this. The account should reflect as closed as of XXXX XXXX. I spoke with a rep from Experian on the phone and he can see in his internal system that the account was paid in XXXX, the incorrect historical information can not be removed and I should contact XXXX XXXX about my concern. He also stated that XXXX XXXX responded to the dispute that the account was a collection as of XXXX. This is a clear violation of section 607 ( b ) of the FCRA. Section 607 ( b ) of the FCRA requires Experian to " follow reasonable procedures to assure maximum possible accuracy of information ''. 

I spoke with multiple reps and managers with XXXX XXXX as well. XXXX XXXX says that they can not report nor correct the correct information and that I must contact Experian to have the information updated to reflect the account paid and closed as of XXXX XXXX. By refusing to direct Experian to update the account with the correct info, XXXX is in violation of Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act.
I received a letter from Diversified Consultants ; with regard to ( 2 ) collections. XXXX was XXXX and the other was XXXX XXXX XXXX. I reached out to XXXX asking what I needed to do to dispute these two items ; because they did not belong to me. The told me to send a letter to them stating the account numbers ; and the reason why I wanted to dispute the debt ( s ). I typed ( 2 ) separate letters ; and mailed them off separately on XXXX/XXXX/XXXX. I was under the impression that I would receive two letters from XXXX giving me the opportunity to explain why the debt did not belong to me. I never received those letters. On XXXX XXXX, XXXX, I received notification that a collection was added to my credit file ; from none other than Diversified Consultants. I called them and asked them if they received my letters and when I was going to receive something back from them ; the lady on the phone looks at the collections and says that the accounts have been closed. I explain to her that I received notification that the debts had been added to my credit file. She says she did n't understand why. I explained to her the entire situation again ; she asked me to hold so she could ask her supervisor what happened. He got on the phone and told me that a fraud statement had been mailed to me. I told him that I did not receive the fraud notification and I wanted to be given a fair shot to dispute these charges. He proceeds to tell me that he checked my account and the notification I received from the credit bureau was a dispute notification. I checked and it was not ; it was an actual collection added to my file. I would like the opportunity to fairly dispute these collections because they did not belong to me. He told me not to worry about it and another fraud document would be mailed to me. I asked him ; would these collections remain on my account while this process is underway. I told him that the rep before him told me that the accounts were closed ; he agreed. He told me XXXX again XXXX that my alerts were not collections, they were disputes. I would like the opportunity to prove that these collections do not belong to me. The issue is ; if these accounts were closed ; why are they now on my credit profile. And number ( XXXX ) I would like to properly dispute these collections to have them removed. Please help!!!
I had an account with XXXX that was paid and I did notice they report it as unpaid and, that is damaging my credit profile. a payment of {$1300.00} was made on XX/XX/2015 and was posted, see screenshots and PDF of Account Statements from XXXX attached, by acting this way, XXXX is in violation of the FDCPA ( Fair Debt Collection Practice Act0, the FCRA ( Fair Credit Reporting Act ), the Uniform Commercial Code ( UCC ) and the USC ( United States Codes Title 18 sec 8. Verizon did received payment and still report the account as DELINQUENT.
FAY SERVICING, denied my second Loan Modification application on XXXX XXXX, 2016
I applied for a car loan with Exeter Financial on XXXX/XXXX/2014 which the application was approved for financing on or around XXXX 2014 which I was told my first payment would be due on XXXX XXXX, 2014 and that the payment due date would bbe the XXXX of each month thereafter. The company asked me to sign up for automatic draft and I agreed ; however, the company started to withdraw funds from our account prior to the due date and charged me both late fees and nsf fees along with numerous fees that I incurred from my financial institutions due to the pre-withdrawing of funds. I had a very difficult time trying to get the representatives to explain why my account would be in the behind and to help me make sense of where we went wrong. The customer service team was very hard to work with and would not explain to me anything and refused to gge me anything in writing concerning my account. I contacted the company in XXXX to ask them foran extension because my mother 's XXXX had returned and my family was devausted so the company advised that I had a two month extension which would modify my payment to reflect these payments due at the end of the loan. I never received the modification agreement neither did I receive the extension terms and agreement. I have requested this information on several occasions and they will not send me a copy but has show my account in the negative after explaining to me that the extension would not have any negative impact on my credit profile. I finally spoke with a representative that put a request in the system for me to receive a copy of my pay history and I notied that the company had several late fees and many early withdrawals that they attempted to make and charge my account for. I asked the company to launch an investigation on the account and they advised that the credit department would contact me within 72 hours and when I did n't hear from them I attempted to call and speak with the department todi discuss the matter at hand, which they refused to allow me to speak witht he department and told me that the findings were still the same and that they could n't help me. I akde them could I speak with management and they told me that each account representative manages the accounts and that this matter is closed.
I have owned my home for 18 years and am facing foreclosure because my mortgage bank Ocwen Loan Servicing refuses to work with me, talk with me, or acknowledge my attempts at fixing the problem. I was overwhelmed with unexpected expenses a little over a year ago and it led to me being short on my finances and I missed the mortgage payment. I began trying to work this out with Ocwen, but they refused to speak with me and told me that my case was on hold so they could not talk to me about it. I did not know what this meant, and despite trying repeatedly over the next few months never got any straight answers. Meanwhile, I kept falling farther and farther behind. This could have been resolved after only a couple of missed payments because my financial crisis had passed. Eventually I found out that because I was in an unrelated bankruptcy action that Ocwen had determined that they could not talk with me about my delinquent mortgage payments. No one explained to me how or why this worked, or let me know that all that was needed was an authorization in order to discuss this. 

By the time this was figured out I was already in foreclosure. I have tried to engage with Ocwen and get them to work with me towards a modification but instead of doing so they are scheduling a sale date. I have the resources to afford a fair rate and payment. My current interest rate ( 8.55 % ) is very high and I deserve the chance to be considered for all government, state and internal programs. This could all be avoided if Ocwen were to follow the rules and negotiate with me in good faith. 

I served my country proudly in the United States XXXX for 26 years with a final rank of XXXX XXXX. I have worked as a XXXX XXXX for the last 21 years and recently retired. A little over a year ago, I had to replace the roof on my home and had major car repairs at the same time. This caused me to be short on finances and I missed the mortgage payment. I began trying to resolve this matter with Ocwen and asked to be considered for a modification. As explained, their agents would not discuss this matter with me, because of an unrelated bankruptcy that had been filed in XX/XX/2013. This had nothing to do with my late mortgage payments that I was trying to fix with Ocwen -- -once I got the hold removed on my case I expected that Ocwen would work with me to get a new review started. That was not the case. I still did not have an assigned account manager, I still did not get my questions answered and I was transferred from one department to the next and could not make any progress. This is very disheartening. Ocwen received billions of dollars in government aid from the taxpayers and they have a record of engaging in questionable foreclosure and servicing practices. All I am asking for is a chance to be considered for these homeowner assistance programs that were set up to help people such as myself. I feel that Ocwen is putting profit before people, which is especially galling considering my military service that kept this bank safe and secure.
I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX
Complaint is with Experian. 
Their response to my first complaint was : items XXXX & XXXX are not on report. 
What kind of answer is that??? 
The report under my name " WITH THEM '' is showing negative items :1 XXXX XXXX {$250.00} ) XXXX {$660.00}. Both items already removed from XXXX and XXXX because it was proven to be incorrect and removed. 
3 ) XXXX XXXX ( judgement ), that had to do with a litigation that I won against them in XXXX XXXX, California. " So, WHY '' is it still on their report??? 
4 ) XXXX XXXX5 ) XXXX XXXX6 ) XXXX, Also " ALL XXXX REMOVED '' from XXXX and XXXX because of proven " Not Appropriate ". 
So why have n't THEY removed them yet??? 
A response to this claim needs to be Proffessional and ethical!!! 
If they say " items x x not on report '' then they should prove it!!! 
Show me " MY REPORT '' where these items suposedly not on report. Because that 's not what I 'm reading from my report!!! 
These XXXX items SHOULD NOT BE on my report.
My transmission needed repair in XX/XX/XXXX and the cost was {$3200.00}. I needed financing for {$1500.00}, and XXXX approved me through the transmission repair company ( XXXX XXXX XXXX XXXX in XXXX ). My payments were set to be {$280.00} which I said I could not afford, and XXXX verbally told me they would work with me after I made a successful payment. My husband then lost his job, and when I called XXXX they would not negotiate and I could not make my payments. In XX/XX/XXXX XXXX emailed me with a one time offer of reducing my payments to {$150.00}. I called and accepted. Although my husband still has not returned to work, I have been saving my money to pay off this debt. I called XXXX today, and was shocked to learn that the {$150.00} payments I have been consistently making, have not even touched the principal balance. Even worse, the payoff balance is {$2000.00}. I offered to settle, and the customer service rep told me to " make an offer ''. I offered {$1400.00} and that was rejected with their counter-offer of {$1700.00} which I do not have. I have paid {$1700.00} in financing fees since last XX/XX/XXXX and I want to get rid of this debt. Attachments are included. This simply can not be legal. Thank you for any help.
I have been contacting companies below and the Credit Bureaus since XX/XX/XXXX due to errant notation in the form of HARD INQUIRIES in my credit reports. The Bureaus have not responded to any of my letters and keep telling me over the phone that they cant open a dispute for me. The below merchants just send letters asking me to provide my social security and to sign letters for them which I wont do. According to the Fair Credit Reporting Act, before releasing a consumer 's credit report, clear permissible purpose is needed and I have not provided that since I have NEVER requested credit for the below companies : I request that the Bureaus rescind the errand notation immediately as it is hurting my credit. 

On XXXX : 1-XXXX XXXX/XXXX on XX/XX/XXXX 2-XXXX XXXX on XX/XX/XXXX 3-XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX 4-XXXX/XXXX on XX/XX/XXXX 5-XXXX XXXX XXXX on XX/XX/XXXX 6-XXXX XXXX on XX/XX/XXXX 7-XXXX XXXX on XX/XX/XXXX 8-XXXX XXXX XXXX on XX/XX/XXXX 9-XXXX XXXX XXXX on XX/XX/XXXX 10-XXXX XXXX XXXX XXXX on XX/XX/XXXX On XXXX : 1-XXXX XXXX   XXXX on XX/XX/XXXX and XX/XX/XXXX 2-XXXX on XX/XX/XXXX 3-XXXX/XXXX on XX/XX/XXXX & XX/XX/XXXX 4-XXXX XXXX  on XX/XX/XXXX two times &  XX/XX/XXXX two times as well 5- XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX 6-XXXX/XXXX/XXXX on XX/XX/XXXX 7-XXXX XXXX on XX/XX/XXXX 8-XXXX XXXX on XX/XX/XXXX 9-XXXX XXXX/XXXX on XX/XX/XXXX 10-XXXX/XXXX on XX/XX/XXXX On TRANSUNION : 1-XXXX/XXXX XXXX XXXX on XX/XX/XXXX 2-XXXX XXXX XXXX   on XX/XX/XXXX three times! & XX/XX/XXXX 3-XXXX on XX/XX/XXXX 4-XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX 5-XXXX XXXX XXXX/XXXX on XX/XX/XXXX 6-XXXX XXXX XXXX on XX/XX/XXXX 7XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX 8-XXXX on XX/XX/XXXX 9- XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX The only merchants that have answer just keep requesting further personal info, but cant provide me with further info as to who gave them permission to perform a Hard Pull on my credit without me providing permission to do so or without me even applying for their services. 

PLEASE HELP!
I am actively working with a credit repair company ; all my debts have been and are currently being regrouped watched and monitored by that company in order to bring the debts down and to make the creditors compliant in both their communication tactics and their reporting accuracies. The company that called me at work today did not go through the proper channel or proceeding ; they sounded recognizably so, very predatory and threatening. I do not want anymore calls from them. They also should go the mailing route first or the email route before targeting phone numbers. 

Call came from XXXX Company Info : XXXX ) XXXX Northstar Location Services , LLC 16 years in business XXXX XXXX XXXX XXXX, NY XXXX
I have attached a letter with the details of this incident. Resurgence Legal Group is trying to collect a small debt that was paid ( principle ) from 11-12 years ago. They said they bought the old account. They have refused to give me any documentation regarding this " account they bought from another entity ''. Please read the letter that is attached. I have also attached 6 pages scanned that I got from XXXX regarding the freeze of my assets. 
Thank you for your attention to this matter as I have zero access to my money in my account with XXXX. 
Thank you, sincerely, XXXX XXXX XXXX XXXX