WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX, 2017 To whom it may concern : My name is XXXX XXXX XXXX and I am currently living at the address XXXX XXXX XXXX XXXX, ca XXXX. I have been corresponding with Ocwen customer care, retention specialist, retention manager, and two escalating managers since XXXX of 2017 to pay my mortgage and become current. In addition to the run around I am fighting a terminal illness and asked Ocwen for help and they have ignored all of my calls for help or assitance in resolving this matter. 

My first correspondence started on XXXX XXXX, 2017 regarding the first wire transfer for XXXX. I was made aware on XXXX XXXX that I needed to recall the funds and change the beneficiary information. The information was verbally given to my banking institution XXXX XXXX XXXX XXXX from the Ocwen associate on the phone on XXXX XXXX, 2017. 

I have been corresponding back and forth since XXXX trying to get the XXXX returned or applied to my account. I have sent my bank statement and two wire transfer receipt with no resolution. I was made aware today that I have a sale date fastly approaching on XXXX XXXX, 2017. I need the XXXX to be applied or returned immediately to avoid me losing my property and my only place of residence. 

Today I am sending the documentation from the bank wire transfers and documentation from my bank on the bank wire recall attempts and wire transfers ignored by Ocwen. Ocwen has refused to release the money back to my account at XXXX XXXX XXXX XXXX. In addition I am also forwarding the XXXX bank statement showing the XXXX was never put back into my account since being resent on XXXX XXXX, XXXX per documentation from XXXX XXXX XXXX XXXX. Also, there is an official letter from my bank confirming the wire transfers and the several recall attempts. 

I would like to have something back in writing in response to this letter. I am currently sending a copy of this letter to my personal real estate law
My sister 's information is intertwined with mine on my credit report. We have the same initials, were both born in XXXX, and our SS numbers are only one number apart. I have excellent credit, and have had no problems to this point because of the confusion, but that could change. I tried years ago to have it fixed, and got the run around ... was basically told it couldn't be changed. Her name is on my credit report under my SS #, surely there's a solution. I have encountered issues where they ask me about previous addresses during security checks ... and they have hers mixed in with mine. It's confusing.
Bank of America has allowed fraud to continue on my savings and checking accounts. They will not return the money to us. Even after this, they cashed a {$9000.00} check on XX/XX/XXXX to someone posing as my husband. They claim that the {$9000.00} was given by a teller to the person in cash because we had enough to cover the check. However, if we had enough then why did this put us over {$7000.00} in a negative balance. 

The bank manager admitted that there are at leave 7 other people who had money stolen from their accounts. They have done nothing to stop this. Clearly they do not care and are an irresponsible bank. 

These are the previous transactions for which they refuse to reimburse us : On XX/XX/XXXX {$1000.00} was withdrawn by a teller and given to someone that was not me or my husband. 
On XX/XX/XXXX {$1500.00} was withdrawn from the ATM that was not me or my husband. 
On XX/XX/XXXX {$700.00} was withdrawn by a teller and given to someone that was not me or my husband. 
On XX/XX/XXXX {$600.00} was withdrawn by a teller and given to someone that was not me or my husband. 
On XX/XX/XXXX {$750.00} was withdrawn from the ATM that was not me or my husband. 
On XX/XX/XXXX {$500.00} was withdrawn from the ATM that was not me or my husband. 

If you bank with Bank of America, I suggest you remove your funds as quickly as possible before they give it away.
Companies Involved : XXXX XXXX XXXX XXXX , XXXX. - Mt, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, TX XXXX On XX/XX/XXXX, someone used my identity, fraudulently, to purchase XXXX new phones in my name, under my existing wireless account. Since new phones were purchased, XXXX XXXX XXXX XXXX , XXXX. performed a hard inquiry into my credit, per policy when purchasing devices on a post-paid wireless account. 

After receiving electronic notice that my credit was checked, I immediately contacted XXXX XXXX XXXX 's Global Fraud department to report what happened. However, the Fraud group showed no record in the last 3-4 years of ever running my credit and that the check was not appearing under my name because the credit check did not include a credit reference number by which XXXX XXXX XXXX could find the record. 

Thus, XXXX XXXX XXXX can not remove the hard inquiry because they have no record of it. However, Equifax does show the credit inquiry and according to their " investigation '', the inquiry was " a factual record ''. XXXX XXXX XXXX has suggested I write to the office of the president ( of XXXX XXXX XXXX ) to get the matter resolved.
Over the last 6 months have been trying to get JPM Chase to correct the information they are displaying on my credit report. They are stating XXXX is the loan servicer, JPM is listed on the credit account. Now, This has been transferred to a government entity and payments are current! If was suppose to pay JPM or XXXX then how do I suppose to pay them????
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Please provide detailed information on how this investigation was conducted with the following : 1. Names of people conducted investigation for the information displayed on my credit report 2. Dates, times, and e-mails when these conversations has taken place?
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3. Last date of activity for this account? Which is not displayed on the credit report why??
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4. Explanation on how to can you " MARK ACCOUNT LATE '' when you do n't have control over the account and have not provide a payment method to kept the account current?
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5. Please provide the original documentation sign by XXXX XXXX
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6. Please provide the date and time when the account was transferred from Chase/XXXX to a government servicer.
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7.Please provide the proof and accurate information schedule payments that were missed. This should be displayed by financial statements from your accounts.
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8. If the BALANCE OWE IS XXXX??? HOW CAN YOU BE LATE?
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This does not make sense at all and should be investigated all my accounts are to date and JPM Chase/XXXX is violation of the FCA. From this point I will consultant the attorney that sued XXXX for XXXX XXXX dollars  because they refused to remove inaccurate information of her credit report.
In XXXX 2008 I purchased a car that was finance with Santander Consumer I was making monthly payments until my bank account was compromised and I fell behind in my payments. I notify Santander, it took the bank some time to replace my funds in my account. Santander stated they was going to place me in collections, when the bank did replace my funds, again I notify Santander and informed them I was ready to pay all payment in the rear. Santander stated if I pay the total balance they would not put any derogatory information on my credit report. I kept my promise and paid them of, f but Santander did not keep their promise. 
In XXXX of this year I found out they did report my account as a charge off. When I called them and reminded them of their promise they change their report to paid after charge offI would like for Santander to keep their promise and remove all derogatory information on my credit report. They have their money
I assumed the mortgage account # XXXX with Ditech on XXXX XXXX, XXXX. The first payment was due on XXXX XXXX, XXXX. The underwriter suggested that I should wait few days, since the date due is too close to the closing date. I called to make the payment on XXXX XXXX. The representative told me that the payment of {$14000.00} plus was due on XXXX XXXX, and there is no other information available. He suggested to wait till XXXX XXXX. I did, and was told I was mistaken, and the payment was due on XXXX XXXX in the amount exceeding {$14000.00}. They could not find any assumption papers, and suggested to monitor account electronically. I did, and to this day nothing had changed. Even when I specifically pointed Ditech XXXX XXXX XXXX, XXXX # XXXX to page XXXX of XXXX, paragraph XXXX, Assumptions of original Terms, she said that she is looking at the page and sees XXXX XXXX, and accused me of lying. I never received the signed copy of the agreement from Ditech, as required by law, it was n't registered XXXX XXXX of XXXX as far as I could find out, and Transunion has no knowledge of mortgage in my name. However, I have the copy of the papers I signed.
XXXX continues to place a collection account on my credit report. I have disputed this several times and they have previously removed, only to insert it back on my report again. The account is something regarding " online information services '' to which i have never had an account.
CashCall Loan This loan was taken in XXXX of 2013 for XXXX out of which XXXX was deposited to my bank account. This loan originated with XXXX XXXX which then immediately sold it to XXXX, and then it was sold to CashCall. To date, I have paid XXXX and have sent a complaint to XXXX as well. I have never missed a payment but can no longer afford their interest and I feel I have paid well over what I should have. I am asking that my account be closed and the account marked settled and paid in full.. They hide behind " Tribal Laws '' but infact are not tribal and they bandy the loan with several different companies. My agreement was with XXXX XXXX which was immediately sold to XXXX, then CashCall
Account information ITEM DESCRIPTION RESULTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX # XXXX DISPUTED This agency never contacted me before placing this on my credit report. I found out about this because my credit score shot down 62 points, so I went to check my credit report that 's how I found out. I received no phone calls and no notices what so ever. 

I call this agency and explained to them that this was never my account on XXXX,17. I  also called XXXX, on that same day, I was connected to the financing services department she looked in my account and stated that in my account it says all previous balances paid in full. She then connected me to the credit recovery department and they stated that it was nothing they could do about it, because XXXX, had already sold it to a third party. The Representative then said that they could not send out a notice stating that the account was paid in full, because it was something still on the account. 

She told me that I could call the third-party and asked them to send the file back, so they could investigate why it was sold. She said Because at this time she cant see anything in the file because the third-party has that information. 

I called XXXX XXXX XXXX, back and explain to them what XXXX, representative had said. They told me that they have no more information, other than what XXXX gave them which is : my name address, Social Security number and how much I owed. And then said, what they would do is contact XXXX, and tell them the file in question, has been disputed and that would give XXXX more time to find out what happened, meanwhile after the results from XXXX, from my complaint nothing has changed they claim they had verifiable information I find that strange, being that I have not received any verifiable information as yet.
In XXXX XXXX, I requested a copy of my credit report, that whens it came to my attention that I have an inquiry of my report that I did not authorize. I sent a certified letter dated XXXX XXXX, XXXX to Captial One requesting to provide me with a copy of any documentation associated with this account bearing my signature authorizing an inquiry. I also sent a certified letter dated XXXX XXXX, XXXX to XXXX requesting the same information and nothing has been done by either Capital One Bank or XXXX.
I filed a Chapter XXXX bankruptcy in XX/XX/XXXX. I paid it off and it was discharged XX/XX/XXXX. None of this information is on the reports of XXXX, Transunion or XXXX. I  am trying to get a home loan and the lender says it can not give me a loan with this information missing from the credit reports even though I provided the documentation to them.
I apply for credit card " XXXX XXXX Credit Card Program '' from XXXX XXXX on XX/XX/2015 on the web XXXX/Decision from my local union, XXXX XXXX send a letter -- WE ARE UNABLE TO VERIFY PERSONAL DATA -- I call them XXXX, they told me I need to update my phone with XXXX, and reapply, because the application is close.
I was sent a delinquency notice for a student loan that I co-signed. The American Education Services raised the monthly amount without notification by phone or letter. When I called the company I was transferred 4 times to a different customer service representative. When I asked to speak with a supervisor I was told there was no supervisor available. During the 4 conversations I was told two different dates as to when the monthly amount was changed. One representative stated it was in XXXX of 2017 and another stated it was in XXXX of 2017. I asked the representatives why I was not notified by mail or by phone of the change and one representative answered and said they did not have to notify me because I was only the co-signer and that I would only receive a notification when the loan was delinquent. When I received the delinquency notices there was no mention of the monthly amount being changed. 

American Educational Services also has harassed me for information regarding the other borrower on the loan by calling me in the middle of the night around XXXX - XXXX in the XXXX. They have also contacted family members in the past and have spoken about loan information with other family members who were not on the loan. 
The practices and tactics they have need to be reviewed and investigated as it seems to me is illegal.
My mortgage payment was denied and lied about my past due timeframe also started new payment I could not afford and would not send modification papers when i had enough time. Ocwen mortgage is setting people up to loose my house. My name is XXXX XXXX from XXXX this is not the only problem I have with them they also have my escrow and my principal balance at XXXX when i brought the house please review everything and the peditory non servicing thieving practices
We were charged for a XXXX subordination fee for a home refinance that did not happen. we were not told of the fee we could not refinance because of citimorgages subordination denial, they refuse to refund or credit back the fee. XXXX XXXX XXXX also charges us a fee but it was only XXXX and not XXXX and XXXX XXXX XXXX refunded the fee because the loan was not refinanced. we paid over XXXX dollars towns the refinance on top of their fee.
I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name, Thank you in advances for you quick responses.
Radius Global recently reported a medical bill on my credit report. Prior to reporting this bill on my credit report, they did not send me a 30 day notice to dispute. I am certain my insurance paid this bill, yet I was never given the opportunity to address this issue before Radius Global reported this item.
This collector uses robots demanding that I call regarding an unknown debt, then, on the few occasions when I have spoken with someone, has become threatening and abusive regarding the alleged debt, refusing to provide the information necessary to properly identify which debt is being referred to, and, on both occasions, disconnecting the call. An internet search reveals hundreds of lawsuits and other complaints regarding this collector 's tactics -- so apparently this is their modus operandi rather than an exception to their standard business practices. 

It is more than telling that the name of this company, Maury Cobb, appears immediately in the drop-down box as a menu item in the " Company Information '' section of this complaint form. The abuse by this company is obviously a well-developed habit.
BMO Harris issued me a new chip debit card to replace my old chip debit card as part of a rollout. When I called to activate the new card, I was told by the representative I could destroy my old card. After destroying my old card, the representative stated for some reason a pin was not attached to my new card and they would have to mail one out. This was on Friday, XXXX XXXX at XXXX am. I was guarantee by the manager I spoke with that it would be in Friday 's mail and I should receive it in 2-3 business days. I was informed without the pin, my card would not be useable but if I wanted to go to a branch during their business hours I could withdraw money from a teller. On Wednesday, XXXX XXXX, I called BMO Harris again after not having received my new PIN number. I was hung up on by XXXX and then told by XXXX that my old pin should be valid, I just need to go to a branch to check. I informed XXXX of the phone call I had with the manager on Friday and that my work schedule does n't allow me to go to a branch during business hours. I asked if there were any offices open later and was told no. I have been without access to my paycheck and using credit cards because of BMO Harris ' XXXX up and they do not want to address or fix the issue.
My VA home loan was refinanced through XXXX XXXX XXXX ( OCWEN/XXXX ) and closed through them in XXXX XXXX, of 2013. Promising a lower monthly payment, with the majority of the monthly payment being applied to the principal on the loan amount versus the interest. Since refinancing in XXXX of 2013, OCWEN has reported a delinquency on the account since XXXX XXXX of 2013, even though the loan was actively being paid with no late or missed payments. The loan was in OCWEN 's responsibility since XXXX XXXX, 2013. They are reporting my loan as delinquent since XXXX XXXX of 2013 when it was still being handled by XXXX XXXX XXXX. How is this possible? I am now receiving reports of an " approved '' foreclosure process on my property, that is actively being paid. OCWEN is now reporting I am in debt to them upwards of {$47000.00} and has since transferred the loan to XXXX XXXX. They have not only mishandled my payments, they have damaged my credibility as a borrower until this issue can be resolved. I have trusted OCWEN to handle my mortgage appropriately, only to be told that I 've been not paying a loan ( which has been actively paid ), been hassled about imminent foreclosure, and given the run around on any information I try to seek from them. OCWEN will be responsible for bringing my mortgage account to a current paid status, with no faults on my part.
XXXX XXXX I send letters to Experian, XXXX XXXX XXXX regarding unauthorized inquiries placed on my credit report from different credit card companies. I asked them to remove them from my reports as I did n't authorized them at all.
On XX/XX/XXXX - Disputes were sent on to Trans Union and XXXX regarding numerous accounts that should not be on the credit file. After 30 days, even longer, no investigation results were sent out, no new credit report, and nothing was removed from the credit file. I have again re-submitted disputes to Trans Union and XXXX once again to get this problem solved immediately. As a consumer it is my right to request the credit bureaus to verify information on my credit file that I am disputing. Since XX/XX/XXXX, nothing has been done.
My husband passed away on XXXX XXXX XXXX. He was on Social security XXXX and XXXX from former employer XXXX XXXX since XXXX XXXX and in a wheelchair. I am XXXX years old and am on social security. We have separate bank accounts at Chase bank. He did not use my account to pay bills. On XXXX XXXX I discovered that a levy had been put on my account by XXXX XXXX XXXX for a debt that my husband had in XXXX which I had no knowledge of until my husband XXXX. Judgement was put on XXXX by XXXX XXXX XXXX. Can they levy my account when it is not my debt and my name is not on the account. I contacted the XXXX XXXX XXXX to ask why they put a levy on my account and their lawyer, XXXX XXXX told me to get an attorney. The bank is holding my funds and has cancelled my debit card so I ca n't get any money to live on. I had no knowledge of the old debt that was in my deseased husbands name. I do n't know what to do as I ca n't afford an attorney and I am still under a XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. We have been on XXXX and social security scince XXXX. Please let me know if you need more information. I was told by the bank that I should have given them a XXXX certificate and taken his name off the account. I did not know this and did not get death certificate from state until last week before his military XXXX. I hope this information helps some else. You always think your money is safe in a bank. If debt collectors can.t harass you by phone or in person you why are they allowed to order bank to freeze your account? I have never been notified by XXXX XXXX XXXX about any of this. It is not on any credit report from any agency.
The potential buyers provided all information required by CFPB law to apply for a loan with Sellers ( The XXXX XXXX XXXX ) affiliated mortgage company within the mandated three ( 3 ) days of executing the Agreement of Sale. Sellers affiliated mortgage company did not act timely  and acted improperly by delaying Buyers loan application and said mortgage company now is unable to give Buyer a conventional loan. Section 1 of the Sales Agreement states : in the event Buyer is unable to obtain a commitment for the Loan by virtue of a refusal on the part of a lender to approve Buyers application for credit or eligibility reasons, this Agreement shall be null and void, and the Deposit will be refunded to Buyer. 

XXXX XXXX has refused to return the {$2500.00} deposit and the {$1000.00} selections deposit to the potential buyers. 

XXXX XXXX is a large company taking advantage of consumers.
Bank of America keeps reporting a hard inquiry on my credit bureau reports from the 4 major credit bureaus, that is outdated.

The date of the inquiry isXX/XX/2016.

This is hurting my credit score and needs to be deleted.
In XX/XX/XXXX and XXXX 2017 I charged food at three restaurants inside two casinos in Michigan. I used my Chase bank AARP Visa card for the charges. My statement indicated I was charged XXXX dollars transaction fee for each charge. When I called Chase for an explanation, the Chase representative informed me that any charges which come from a casino whether from an American or XXXX casino, if they are coded as coming from a casino, are charged a 3 % fee with a minimum charge of {$10.00}. I would like to know if these fees are legal. Of course, I will no longer be using Chase credit cards at casinos as my other credit card has never charged me a fee for this. The Chase representative informed me they have no way to remove these fees.
My father, XXXX XXXX, maintained an account with BBVA Compass. I am the " pay on death beneficiary ''. Following my father 's death on XX/XX/XXXX, I contacted BBVA Compass regarding the process to close my father 's account. I was told that I needed to provide a copy of the death certificate, the " main office '' would confirm its validity ( may take 24 hours ), and I could close the account. I provided a representative of BBVA Compass a certified copy of the death certificate on XX/XX/XXXX along with my driver license. The account is still not closed a weel later! The XXXX representative s state that they are unable to locate the signature card wherein my father changed the account from single ownership to POD. Their computer records reflect this change occurred in XXXX. Closing the account should not be delayed due to XXXX ' shoddy recordkeeping! Please assist me in getting the account closed! XXXX ' " legal department '' has been " reviewing '' this situation since XXXX.