WillisBack/dataset-financial-user-claim huggingface dataset:
Ocwen Loan Servicing has placed Mortgage-placed Insurance on my property, claiming that I do not have the proper coverage. I have Insurance on the property and for months, my insurance agent and I have been going back and forth with Ocwen trying to establish the criteria to which they will be satisfied. 
Ocwen claims that as a condominium, my condominium association needs a blanket policy for the building and a policy for the interior walls of my unit. I have had this coverage for the past ten years. 
I have repeatedly asked them to give me the criteria they are looking for, in writing, that I may take it to the Insurance Company and resolve the matter. I should have a copy for myself in any case in the event that I change insurance companies and need to know the criteria. Ocwen has refused to give me the criteria, stating that the Insurance agent must obtain the criteria. When the insurance agent attempted to obtain the criteria, they get a different answer with each individual to whom they speak. 
Further, they have told me that the placed insurance was due to me not contacting them in response to their letters about the matter. When I contact them, they have all the records of speaking with my insurance agent. The agent was acting on my behalf as they instructed and they penalized me for not contacting them. This is an impossible situation. 
Ocwen has made it impossible to capitulate to their criteria, as they will not put their criteria in writing. They are now calling me daily demanding that I make payments on the mortgage-placed insurance. I have insurance. I have been carrying insurance on the property for ten years and I have insurance still. I am requesting help in requiring Ocwen to offer in writing any criteria to which they have to ability to make a purchase on my behalf, and then pass the charges on to me. I further expect them to remove the mortgage-placed insurance from my loan and reverse any negative credit reporting I may incur from them as a result of their negligence to be forthcoming with the criteria to which they hold my loan hostage. 
Thank you. 

My name is XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Loan # XXXX Ocwen Loan Servicing , LLC XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Fax : ( XXXX ) XXXX Insurance Dept # ( XXXX ) XXXX Ocwen Loan Servicing , LLC XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ocwen Loan Servicing , LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
XXXX-XX/XX/XXXX, XXXX XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX-XXXX- XX/XX/XXXX , XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX I have contacted some of the companies that i am a victim of identity thief. They put a block on my Social Security number and know it contact me first. I have called XXXX   about this issue and they still wont remove these inquiries that wasnt authorized by me.
My name is XXXX XXXX XXXX and I started an account in coinbase onXX/XX/XXXXwhere I bought XXXX $ worth ETH and later transferred XXXX $ to XXXX to buy some more ETH. However, in the mean while I bought some more ETH through coinbase worth XXXX $ assuming that this would be deducted from the XXXX that I transferred earlier. Later I have realized that this XXXX $ was transferred on top of the XXXX $ as my bank account was showing negative balance. In order to restore this I tried logging in to coinbase through my personal laptop and since that moment it was locked. Amidst all this confusion I saw around XXXX $ charge on my credit card being used to buy ETH, which I did not authorize and so I had to block the transaction by notifying this to the respective bank. I tried reaching out to the coinbase customer support ( which is stupendously slow ) and waited for around an hour only to hear the automated voice asking me to call back. The online support system is useless in its own way and I am currently in a helpless situation as to what exactly is happening with the money that I have transferred and did any of my transactions go trough.
To whom it may concern, I purchased a XXXX XXXX XXXX   XXXX, on XX/XX/XXXX. 

I have made payments since XXXX, my payments are currently {$600.00} at a rate of 27 % and I owe approximately {$19000.00}. 

The problem is that I reviewed my credit report recently and noticed that Santander Consumer USA, started reporting my loan when I first purchased the vehicle and stopped reporting as of XX/XX/XXXX. 
Per the rules and regulations of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681-1681y.

If you are a furnisher of information to a consumer reporting agency ( CRA ), you have additional obligations and will receive a separate notice from the CRA describing your duties as a furnisher. Im insisting that reporting be resumed on my account as well as back dated until last XX/XX/XXXX until XX/XX/XXXX. 

The failure to report my consumer account is very frustrating since Ive been attempting to use this account to rebuild my credit.
The XXXX XXXX has filed an eviction reason because I called code enforcement they came out hit the company with almost 9000 in fines so for them not to pay it they had my family and I kicked out sold it to their friends cheaper once the title was in their friends name it was no longer their response ability they refused my money so I didnt know to do never been in that kind of situation
My investment account ( stocks and cash valued at {$52000.00} ) with Citi Personal Wealth Management ( CPWM ) was unlawful closed as abandon and sent to Office of Unclaimed Property of State of Delaware with wrong owner 's name on XX/XX/XXXX. 
The Delaware authority request XXXX XXXX ( clearing firm of CPWM ) to send a notarized statement to explain the error but to this date nothing has been done. 
My POA phone CPWM many times from late XX/XX/XXXX, and I have written to CPWM four times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
My POA and I never received a due diligence letter from CPWM or Pershing and the strange thing is my POA phoned CPWM on XX/XX/XXXX to withdraw {$3000.00} and the account was closed few weeks later. 
I request CPWM and XXXX XXXX send the notarized statement to The Delaware Office of Unclaimed Property so my claim can be finalized. I attached copies of letter from Delaware Authority, 5 letters to CPWM and 3 reply letters from CPWM.

Many thanks for your help.
I closed a secured credit card account with Wells Fargo on XXXX/XXXX/2016. I was advised that I would receive my collateral funds within 7-14 day. Now I am being told it will be 45-60 days. Wells Fargo has multiple times they have given me " incorrect '' information and can do nothing but " apologize. '' When I questioned the second banker if I could file a formal complaint, she stated that the only way to do that was to step into an actual branch.
Bloomingdale calls several times each day about a store account. I told them on numerous ocassions that I do not have an account with Bloomingdales and that that my mobile number is a new number and they must be looking for the previous owner of this number. They are relentless and continue to call me.
I received a payday loan with easy money in XXXX Alabama for XXXX dollars. The pay back amount was XXXX. The amount was to be paid back by the XX/XX/XXXX or it would come out of my account. The transaction appeared on the XX/XX/XXXXof XXXX and my bank contacted me to approve the transaction, which I did and it posted on the XX/XX/XXXX. XXXX was deducted from my account. I assumed the debt was paid. I'm XX/XX/XXXX, I began to receive voicemails and letters stating that the debt of XXXX was owed. When I asked about the amount, I was told " that's the amount I would have to pay ". No explanations. I continuously contacted the cooperate office and received the most unprofessional treatment. Today ( XX/XX/XXXX ), I finally spoke with someone who seems unsure of why the balance remained when it shows that it's been paid, but insisted I pay the remaining XXXX dollars. When I refused and asked what the XXXX dollars was for she refused to give an adeqaute explanation. She repeatedly stated that the XXXX dollars was assessed because the records show the payment was not made until the XX/XX/XXXX and that the payment takes days to post. I understand that transactions take a few days to post but she stated their system takes 7-10 days. I don't understand how I am being charged a fee when their system is why the fee is assessed and when I asked this, she raised her voice at me and hung up. When I called back to speak to a manager the person hung up before I was connected. I'm really disappointed in this company and outraged considering I've paid my debt and they're trying to collect more funds.
I received a settlement agreement from XXXX XXXX XXXX XXXX XXXX for a debt with XXXX XXXX XXXX XXXX. When I spoke to a representative from VRS, they confirmed that if I paid the settlement amount the account would be considered paid in full and removed from my credit report. I paid the amount on XX/XX/XXXX but I received a letter from XXXX XXXX XXXX XXXX that I had to pay another {$180.00} and as of today, the account still shows on my credit report. I would like the account removed as promised.
The company XXXX XXXX XXXX has repeatedly called me at work after I instructed them not to, and they have discussed my debt with our office assistants threatening to garnish my wages, they said they did not know it was a work number even though they have called multiple times with these threats
With your help I submitted information explaining this is not my account. My son and I have the same name this is his account but its on my credit. 
Company : XXXX XXXX Account # XXXX Amount : XXXX Also please please please remove these unauthorized inquiries off my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO, THE ADDRESSES LIST ARE NOT MINE, HOWEVER MY EX WIFE LIVE AT THEM I'VE NEVER LIVE THERE PLUS WE WAS DIVORCE IN 1991. 
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 ALSO MY NAME IS WRONG ON THERE XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. PLEASE ONLY USE XXXX XXXX XXXX THANK YOU
I had submitted a prior complaint under case number XXXX. 

I had signed up for a citigold checking account promotion ( promo code XXXX ) where i was promised XXXX thank you points if i opened an account as well as participated in bill pay. After submitting proof of a citi chat rep confirming i had met the requirements, and would receive the bonus. I had then received the following respone from citi through the CFPB : Citi Bank said : Explanation of closure XXXX XXXX, please accept my sincere apology for the inconvenience you described surrounding your attempt to participate in a new account promotion to potentially earn Thank You points. Our goal is to ensure that all of our clients are provided with the highest level of service and we regret that you found cause for dissatisfaction under any circumstance. I assure you that our marketing strategies are certainly not intended to mislead you, or any potential client. Citibank, like other banks, periodically offers promotional bonuses to deposit account applicants to attract new banking clients. In order to conduct our promotions in a manner consistent with sound business practices, we may customize offers by direct mail campaign initiatives to select individuals, in addition to the requirement of the standard terms and conditions that Citibank discloses for its promotions. 

In our review we found that the offer in question, promotional code XXXX, was not directed to you. However, Citibank fully respects any obligations made to you in the chat conversations you had with our Customer Service agents. Therefore, we are prepared to honor your request and the XXXX Thank You points ; however, your enrollment to the Thank You Reward Program is still pending due to not receiving your completed XXXX form for your account. Once the Form XXXX has been received and processed then we can enroll you in Thank You and credit the Thank You points to your Thank You account. We anticipate that the Thank You points will be available in your Thank You account within the next 60 days as long as your Form XXXX is certified successfully. 
Relief Non-Monetary relief granted of XXXX Thank You points pending Form XXXX is certified successfully. 


I also received a hard copy letter from XXXX XXXX of the Executive Response Unit on XXXX/XXXX/16 informing me i would receive the XXXX thank you point bonus as long as i filled out a XXXX form. I had a form, sent to me which i filled out, and sent back, as well as cconfirmed i am signed up for the Thank You rewards program through the citigold website.
XXXX XXXX, XXXX, i received foreclosure and loan modification advisory letter from County of XXXX. This means Nationstar is trying to foreclose my home. I bought the house in XXXX and paid my mortgage frequently. XXXX XXXX, XXXX they raised my taxes from {$420.00} to {$940.00} that is a raise of {$510.00} per month. This is wrong. My whole taxes for a whole year is {$6100.00}. Dividing that in 12 months is {$510.00} minus what I pay regularly {$420.00} difference is {$87.00}. This means that my escrow from XXXX XXXX, XXXX need to go up with adding the {$87.00}. My regular payment from {$1800.00} when we add the escrow of {$87.00} my new mortgage payment should be {$1900.00}, not {$2300.00}. They are wrong in the amount of {$430.00}. XXXX XXXX, XXXX they took from my XXXX XXXX XXXX account {$1800.00} and statement is attached. XXXX XXXX, XXXX they cashed my XXXX XXXX check in the amount of {$1800.00} check # XXXX, attached is front & back of check. I mailed a check from XXXX XXXX in the amount of {$1800.00} dated XXXX XXXX, XXXX and they cashed the check one ( 1 ) day earlier, XXXX XXXX, XXXX, check # XXXX and statement attached. From XXXX XXXX, XXXX till XXXX XXXX, XXXX I paid 3 months mortgage. I was short in escrow for 3 months, in the amount of {$260.00}. XXXX and XXXX they returned my payments. Now I owe payments for XXXX, XXXX, XXXX and XXXX a total of 4 months. Monthly {$1900.00} X XXXX = {$7700.00} + XXXX the difference = {$8000.00}. To cover all months of their mistake to the end of XXXX is a total amount of {$8000.00}. If Nationstar Bank makes the corrections and email me the correct amount I have no problem to pay my mortgage. And I can forget NationStar 's mistake. Nationstar can give order to XXXX As Trustee or acting as Agent for the Beneficiary ( XXXX XXXX, Assistant Secretary & Vice President ) to stop the foreclosure and to stop harassing my family with the letters and postings. I have spoken to them many, many times from XXXX XXXX to present, I have faxed documents and proofs that they are wrong about 4-5 times and they make only one correction they charged me double payment in XXXX XXXX. And they returned my payment. It took them more than one year to make this correction. I do not like to have the same mistake happen again, because when I spoke to their research Department many many times they say they can not do a lot, I need to speak to the Tax Department, I spoke to Tax Department and explained the same and faxed the proof on XXXX XXXX, XXXX. The same day XXXX XXXX, XXXX I faxed the same documents to the research department. I tried to help them so we all could be on the same page so they make the correct corrections because my taxes went up only {$87.00}, and my correct monthly payment ( principal, Interest, taxes ) is total {$1900.00}, not as they say {$2300.00}. So I can continue to pay my mortgage.
I have been trying to get a break for the deferment from GM regarding my loan. I have asked to pay with out any documentation which the collection agents in XXXX say they dont need to send. The reason why is I am questioning the amount that they are charging for a two month deferment. Another issue is that on my last complaint. I am was tired of paying fees to pay my car note. There response was a basic cut and paste, pay by ACH which has been disabled due to an bank hacking issue earlier in the year. I have been making the payments with my debit card and getting no where getting the restriction lifted on my account. I have provided GM with information regarding the issue and still no resolve, they just want the fees charged.
The mortgage servicer - XXXX XXXX XXXX - incorrectly used the wrong property address, whereas the Mailing Address Certification form the loan origination had the correct address listed on it. So they were sending mail to the wrong address and I never received any mail from them. No statements, nothing. When I pulled my credit report, I noticed a 90-day late on it. Then I called the company and found out they were my loan servicer. I immediately paid the amount due, and became current within 2 days of finding out who was my loan servicer. Now I have a negative mark on my credit. I spoke to a very nice, informative gentleman from the CFPB. He was very helpful and thorough. I am really glad you all are here looking out for homeowners. Thank you.
TD Bank is blocking me from enabling external application I 'm trying to connect ( my XXXX smartphone applicatio )
My wife and I sold our house in XXXX. We had a mortgage with Ocwen Bank and it was serviced by Ocwen Loan Servicing LLC . The loan was paid in full and we never made a late payment on that or any other account. Our credit has always been perfect. Recently, we applied for a credit card and were notified that our credit score was in the low to mid XXXX range so we had to pay an interest rate higher than their best rate. This prompted me to pull my credit on XXXX and I was shocked to see a 30 day mortgage late reported by Ocwen in XXXX. We closed on our home in XXXX. I called Ocwen Loan servicing and they said that our account was paid in full and there were no lates. I then called XXXX, XXXX, and XXXX and all XXXX said that when Ocwen contacted them to say the loan was paid in full, they reported a 30 day late. I called Ocwen back and they said that the problem is resolved because they are not reporting a late. I then called all of the bureaus again and asked if the 30 day late has been removed and they said no. Ocwen Loan Servicing has been giving me the run around for a week now and the last I heard, it may take 30 days or longer to clear this up. I need Ocwen to contact these credit bureaus and tell them that this account was not late in XXXX or ever. Please help. I am in the process of applying for a job and do not want them to see a recent mortgage late on my credit report. Waiting 30 days or longer is unacceptable! Please hold these people accountable for their mistake.
I was told at the front desk of XXXX XX/XX/XXXX that there was no debt owed by me when I asked about the remaining balance. 
After three years I see that is is still being reported as late as XX/XX/XXXX. 

I did not know this was happening. 

No attempts to collect this have been made to my address with any communication, not letter or email. 

This has affected my credit rating for awhile and I am not certain that removing it by paying it will actually happen.
The  XXXX  website states that my debt was placed in collection wit h PHOENIX FINANCIAL SERVICES  on  XXXX / XXXX / 2017  for the amount of {$870.00}. The original creditor of this collection is stated as, "  XXXX   XXXX    XXXX   XXXX   XXXX   ''. I have submitted a direct dispute on  XXXX / XXXX / 2017  through  XXXX . When I submitted my disputer request, the reasons were " THIS ACCOUNT IS CLOSED '' and in the additional comments I put, " NO CONTRACT ''. On  XXXX / XXXX / 2017 ,  XXXX  said that my dispute was denied. I do not understand why I am being charged for a debt on an account that was closed and then handed off to a debt collector. I have had this issue once before already and it was resolved quick. However, this collection is giving me a lot of problems.
Freedom Mortgage mailed me an offer to lower my interest rate at no cost. When I talk to the rep he reiterated that it was no cost to me. I received the forms to sign via online and discovered that they are charging interest rate reduction points of over {$2000.00} and including it in my mortgage balance. They pressed me to hurry and sign the forms that would lock me into the obligation. It is very deceptive. NO COST is a lie. They wasted my time and trust. This needs to be address before someone believes them and signs without really looking at what is on the forms. It can be confusing. Please make them stop.
Per XXXX XXXX and the records.. The Walmart account did bot contain any of my personal information except the Social Security number was off by one digit which allowed my social security number to be on the account. Synchrony has corrected the Social Security number on the account and the account should be removed from my credit within 30 days. But the collection agency is refusing to deleted from my credit even thout I provided a letter from Synchrony bank stating that this is not my account. XXXX XXXX keep reporting it the XXXX and all of the credit bureaus. I tried to explained to them that this is not my account they confirmed that they have the letter I submitted to them on XX/XX/2018 from Synchrony clearing my name and social security but, they are mean and rude and won't deleted from my credit. I'm in the process of buying a house and this is affecting me big time. XXXX XXXX XXXX last reported it to my credit on XX/XX/2018 after knowing that is not my account.
On XX/XX/2016 I transferred payment to XXXX XXXX XXXX for payment to our vendor XXXX. I was not aware our vendor had closed the account with XXXX. XXXX has not returned the {$4100.00}.
Debt is from XXXX/XXXX/2010 From XXXX XXXX Physicians For $ XXXX XXXX XXXX failed to submit to both of my insurance companies under the correct name despite me telling the repeatedly to refile correctly. I disputed this item on my XXXX credit report and it was removed however they failed to fix it on XXXX credit report.
I mailed Experian a signed letter dated XX/XX/17 asking for a review of 3 suspicious items on my credit report. 

They sent me back a letter stating that they believe my letter to them was " suspicious '' and a possible case of identity theft so they will disregard it and deem all future mail correspondence from me as suspicious. They basically made it very clear that they will ignore any contact from me by mail and directed me to submit my disputes by phone or website requests only. 

I do n't think it 's lawful to prevent me from corresponding by mail and limit me to phone and website contact. I prefer to have a written paper record when engaging in business matters. I clearly identified myself to them and presented all pertinent identification data ( DOB, SS #, Address, Account numbers ) so I do n't agree with their determination. 

I responded to them by mail and am awaiting an answer. I also informed them that I filed a complaint with the Consumer Financial Protection Bureau. 

Please Please help me!!!
Certified Letter sent to collection XXXX XX/XX/2018 to ask for verification. Certified letter was returned on with UTF ( unable to find ) on envelope. letter sent to credit agency on XX/XX/2018 addressing the verification issue. another letter was sent to credit agency on XX/XX/2018 with copies of returned certified letter. s Still no resolution and it is XX/XX/2018. 
computer generated letters are all I'm getting back with no human interception.