WillisBack/dataset-financial-user-claim huggingface dataset:
I 've filed a complaint about this problem before with CFPB. Ocwen Financial Services, LLC is my current mortgage service provider. For two years now, Ocwen has insisted that my mortgage payments are late or insufficient to cover the PITI payment. The geneses of the problem lies in the fact that Ocwen placed force insurance on my loan at premiums well above XXXX $ US. In fact for the past two years, the insurance company, Insurance broker and myself have sent to Ocwen proof of insurance via letter, fax, emails and phone calls. Ocwen does not have proper internal administrative computer systems to resolve the mortgage payment issue and still insists ( even after Ocwen said I was correct and they would fix the problem ) I am in arrears with my payment. As a result Ocwen has assessed me late payment fees, property valuation fees, Default notice fees etc. I have made all my payments to Ocwen. And if any payment was late, I did include a late fee.
Apple Recovery continues to call our number, trying to collect a debt that is not ours for a person we have never heard of. Their initial response to our complaint was to ask us to call a non-toll free number to remove our telephone number, and that they do not have a record of our SSN. They should have been provided with our phone number already and should have no trouble removing it, but they have not.
On XX/XX/XXXX I placed and order with walmart.com Order # XXXX the items show delivered on XX/XX/XXXX and left at the front door no signature just left not handed to a person but left. The other one shows delivered XX/XX/XXXX and left as well. The area is not the best area and Im not understanding why a package was left. I contacted walmart.com and they told me that they couldn't help me because the package states delivered. I asked why did the package not require signature they stated its up to them to decide if it needs a signature or not. I contacted XXXX XXXX XXXX to dispute the charge and they tell me since it shows delivered although the driver just left it the they can't credit dispute. So now I'm left with no product and a charge to my card that I'm supposed to pay with interest for items I didnt receive. Basically I feel like because I ordered from walmart.com with my walmart card they wouldn't decide in my favor any way because its the same company.
Never received a bill from XXXX XXXX, XXXX, MD because when I signed up for XXXX mini box for my XXXX Tenant in my townhouse in XXXX XXXX, Md, I gave the XXXX Clerk my service address in XXXX XXXX and my home address in Florida to send the {$3.00} a month bill. I never received any bill ever. I was told that XXXX had been sendng the bill to my XXXX XXXX address ... this house has been a rental for past 40+ years. I have never lived there. XXXX told me that was their fault and they would take care of it. 
I later discovered all XXXX of my credit reports had a collections notice of {$180.00} balance I owed. I called XXXX many times and was assured this would be completely removed. I call the Credit Management collection company and told them what happened and also told them that I had never received any collection notice letter. One of their managers said they would removed it completely. I have called and complained many times to both XXXX and to Credit Management and the only thing was done was the {$180.00} was reported as Paid Collection and the Notice reporte as Closed. Neither of which does anything to totally remove this whole Collections Notice from all XXXX of my credit reports from XXXX, XXXX and XXXX XXXX. I was also told by Credit Management that under Federal Law I was entitled to get a written notice of the Notice having been filed against me, which I never did. Will you please help me get it removed from all XXXX credit reports as soon as possible.
I have been repeatedly called my a company who has left voicemails stating that it was an alert message notification and that I needed to call XXXX to provide my statement. I did not return the phone calls. On the morning of XXXX XXXX, 2016, I received at phone call at XXXX from an unknown number. I answered the call. A lady spoke to me and asked me if I was XXXX XXXX and I said yes. She asked if my address was XXXX XXXX XXXX XXXX and I said no, and then asked what this was regarding. She said that legal paperwork had been delivered to that address for me and since I had not responded they were attempting to get a response from me. I asked what sort of legal paperwork and was told it was a complaint filed with the XXXX XXXX Sheriff 's Office. I said again that I had not received any paperwork. She transferred me to the " legal department '' where a man then picked up the phone. I again verified that the address was incorrect and asked what this was regarding. I was told that it was regarding an account of mine that was in collections and had been transferred to this law firm. He said it was regarding an accounts previously had with XXXX XXXX for the amount of {$1300.00}. He stated that he was going to email me paperwork that would require my electronic signature to agree to voluntary repayment in order to stop further legal action. He asked me to make a verbal agreement on a recorded line to make payments on this account. I told him I would not make any agreement without proper notification and delivery of paperwork. At that time, he told me that he was going to send out the email and would need an immediate response. He listed the name as XXXX XXXX and that his direct line is XXXX. I gave him my email address and was told he would email the document in XXXX mins. He asked me again to verbally agree to payments and I again stated no. At this time, he stated that he wished me the best of luck when we went to court and hung up on me. A few hours later I received an email with an electronic document attached. This document stated that immediate payment of the full amount was due today to prevent further legal action. After the phone call, I determined that I did previously have a joint account with XXXX XXXX with my exhusband that had been sent to collections, however this account has been paid in full. I also researched the numbers listed and have found them to be listed as fraudulent on many websites. The address listed appears to be a motel in XXXX XXXX CA. At this time, I am unsure what I can do to stop the harassing phone calls. I also concerned that these people have my personal credit information.
I am writing to complain abou t Citi ca rds dispute process as they do not investigate and just side with the merchant. I have had several issues rejected and, despite offering protection from faulty goods or services, they run you around in a circle to try to get you to forget the claim. If you do n't, they side with merchant without so much as weighing the facts. In  XXXX , I disputed a change from  Home Depot  when they improperly installed a water filter. Sure enough, after months and repeated requests for information they sided with the merchant. In   XXXX  , I reversed a charge from  XXXX  after the window tinting offer I purchased would have ended up costing twice as much as the advertised price. Again, run around and siding with the merchant. They wanted ridiculous proof like another merchant to take a look at the tinting, which was impossible since I never fulfilled the service as it was a bait and switch scam. Finally, when the claim damage during our move by  XXXX  was denied because the moving company said things break during moves, i wanted a refund for the extra insurance I purchased.  Citi ju st reversed the reversed charge without asking any details, contacting me or any other due diligence. Clearly, their protection is completely useless and I 'm closing my accounts but I want them to stand by their promise to protect card holders.
Chase has an issue understanding what an available balance is. When the consumer facing side shows an available balance, it apparently means unavailable in the Chase system in their benefit. On multiple occasions, including last night, my direct deposit is displayed in my available balance and then an hour later transactions are posted to my account, and despite the consumer facing side showing and available balance of {$1900.00} at approx. XXXX I was charged an overdraft fee at approx. XXXX for a transaction that displayed as being posted at approx. XXXX. I have been told by Chase that their system has no time stamp of when the consumer facing side shows the available balance addition of the direct deposit or the time stamp for when transaction are actually posted as being paid from my account. I find that excuse to be an insufficient explanation.
Over the last 3 months I have attempted to secure a personal loan primarily applying online. I have been denied due to excess delinquencies. I believed the responses were an over exaggeration of my credit, as I only have one outstanding debt. On Monday, XX/XX/2018, I once again attempted to secure a personal loan with XXXX   XXXX XXXX XXXX, via telephone and during the the application process I was asked to explain why a number of my accounts were in collections. I currently have one outstanding collection account that I have been attempting to settle. No other active account is currently nor have they been in the past in collections. Technically, I have one account that can be considered delinquent. I checked on my XXXX  account, that is who XXXX XXXX used, so as to dispute any accounts showing errors and there is only one account showing up in collections. The error can not be with the creditor 's. If the creditors were reporting misinformation the credit bureau would be showing that information and it is not. Therefore, the information being transmitted to potential creditors is where the problem lies.
Derogatory InformationLearn more ... Print your report ACCOUNT NAME ACCOUNT NUMBER ACCOUNT TYPE XXXX XXXX   XXXX - BUREAU ACCOUNT DESIGNATOR DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE Equifax Individual XX/XX/XXXX - - - XX/XX/XXXX PAYS AS AGREED - COMMENTS ACCOUNT CLOSED BY CREDIT GRANTOR, BUREAU DAYS PAST DUE HISTORY DATE 24 MONTH HISTORY About is listed in my Derogatory Information on Credit report. Not sure why this listed. Paid the account. Needs to come off.
My son moved to XXXX several years and terminated a phone contract with XXXX - he was told there would be no early termination fee after he went up the chain of command at XXXX because he was leaving the country. We received no bills after that. In 2015 I had a credit check done and a delinquent bill came up to XXXX in the amount of {$100.00} ( evidently they did end up charging him/me an early termination fee ). I called XXXX, told them we were not even aware of bill and I immediately paid it to resolve issue. This week in the process of buying a car I saw this issue is still on MY credit report. I disputed it with Experian and after checking with XXXX they kept it on report. I then called XXXX ( where I am a very loyal customer ) and they stated there is nothing they can do to remove it from my credit history - that I will have to wait the 7 years?! Do I have no recourse? How do I get this removed from my credit history - I had no awareness of bill, no communications - and neither did my son for that matter. Thank you for any assistance you can provide.
This company has sent me a letter telling me that it was being returned to them because a bad address. This debt doesnt belong to me they even spelled my name incorrectly. im going to include all the letters they sent or say they tried to send me.
In XXXX, I leased a Toyota XXXX from Toyota Financial. I swapped banks in the end of XXXX early XXXX to be more convenient banking closer to my work. XXXX payments i made were not credited by Toyota Finance at that time. They did clear my banks. For the last year plus I have been sending them the information from the banks where it shows cleared payments to TFS. On four separate occasions i faxed the info to them. I have XXXX missed payments on my credit report now because of this. Worse of all now it is time to purchase my lease and I had been dealing with TFS, they said it was resolved and gave me buyout quote. Took off work to make the purchase and then they told me they would not finance me, even with a co-signer, no matter what. Now the lease expires on the XXXX and i have to scramble to get financing and paid in time. There is a chance now my wife will lose her car and not be able to get the children to school and to her work as i work out of XXXX.
I submitted the IDR application along with my tax return. I emailed fedloan several time about the status. The response is that enough information is not included to provide a response. The account number is listed in the email/inquiry. As of today, I have not received a response regarding the supposedly missing information.
This is my last option. I am requesting CFPB 's assistance. In correspondence dated XXXX XXXX, 2017, I disputed how incorrectly State Tax Lien ref # XXXX has been reported incorrectly. From the filing date to my personal information. I was able to verify with the court that this information has been withdrawn last XXXX XXXX, 2017. This proves that this credit repository 's information is outdated and no investigation was conducted.
I contacted XXXX about this " CAPITAL ONE Acct # : XXXX '' fraudulent account. I provided ; FTC report, Police report, Statement of facts, along with other verifying documents. XXXX & Capital One refused to remove the fraudulent account from my name.
XXXX sent my bill to multiple collection agencies. I paid the XXXX that contacted me, but now XXXX of the other agencies is still reporting the debt as a charge-off or unpaid balance on my credit report. I have submitted a claim to both the reporting agencies and the collection service that is reporting it, and all have basically come back and said that I owe the money anyway, despite having sent the receipt for my payment to the other collection agency.
Only XX/XX/2018 i upgraded my Equifax membership with the Equifax 3 Bureau Credit Report and Score which is offered on the equifax website. 

I noticed with this 3 Bureau Credit Report and score, both my Equifax and XXXX did not generate my current credit card although it was reported and both showed a much lower credit score Equifax went from XXXX to XXXX although i have no negative accounts or late payments. 

I called Equifax on XX/XX/2018 when i was made aware of this. I was also told there was a glitch, I noticed Equifax was reporting a fake score for both Equifax, XXXX and XXXX   and i made the employees and supervisors aware of this. 

During the week of XX/XX/2018 i was told the errors would be corrected and updated in a in 2 - 3 days, so i waited and nothing happened.

I Called back again on XX/XX/2018 and was told by Equifax they are aware of this credit score and reporting glitch and they are working on it and it would be fixed by XX/XX/2018. 

Instead of calling back on XX/XX/2018 i waited until Tuesday XX/XX/2018 to try and get an accurate credit score and report, and was told they are still working on it by a supervisor and was told this glitch would be fixed on XX/XX/2018. 

So i waited a few extra days to call back and made another phone call on XX/XX/2018 and spoke with an Equifax employee and was told they are still working on the credit score and report glitch, this employee told me i will need to wait 7-10 additional days for this error to be corrected, i told this employee i have been waiting on a fix to this fake credit score since XX/XX/2018, this employee responded sorry sir there's nothing i could do about it. so i asked to speak to a supervisor, the Equifax responded he will tell you the samething. 


Finally after 15 mins of being on hold on XX/XX/2018 i was transferred to a very rude, nasty, and disgusting Male Supervisor by the name of XXXX, very trashy and dismissive attitude, I tired to tell this supervisor the problem, but he kept cutting me off and talking over me, finally when he allowed me to get a word in, I told him this has been going on for weeks and nobody has solved the issue and everyone is telling me the same. 

Supervisor XXXX responded it will take 7 - 10 days to solve this problem, i explained that i received similar reply 's weeks ago and nothing has happened. This supervisor started to become rude and nasty, telling me i need to hangup, why am i still on the phone etc ... They way he responded didn't seem real. it was shocking! 

and as of XX/XX/2018 Equifax is still displaying fake credit scores.
I've had a student loan since 2002 with an original amount of {$34000.00} between two consolidation loans. I currently owe {$43000.00}. I've used the maximum amount of deferment and forbearances due to financial hardships. I wasn't advised that income based payments were an option, and as a result, 16 years later I owe {$8400.00} more than when I started. I've been charged {$950.00} in fees and {$11000.00} in capitalized interest. I've made a total of {$17000.00} in payments with only {$3500.00} making to principal. I think my loan provider has unlawfully advised me and unlawfully acted so that I would pay more for a longer period. I believe these actions to be predator in nature.
XXXX XXXX XXXX was disputed on TransUnion 's credit report. I received a new credit report XXXX " in collection ''. This bill is from XXXX XXXX XXXX & has been satisfied as of XXXX/XXXX/16. This payment has also never been listed on my credit report. I will be sending XXXX documents in the mail RE : " paid in full '' from XXXX XXXX XXXX & a copy of my money order.
I paid all balances for XXXX XXXX before moving to XXXX XXXX, including {$100.00} cleaning fee. 
I did not receive the mail keys for XXXX XXXX until last week. 

Last week after picking up the keys, I found a letter from collections for {$150.00} balance. 
The company called me twice and threatened to report this to credit agencies. 
I requested one day to provide proof of payment as the XXXX court office is closed today.

The denied, responded rudely and insisted that I pay immediately and will be put on hold until I make the payment. I requested that I will call them after 1 hour after my meeting. they refused and did not allow anytime and wanted immediate payment. I made the payment and felt this is extortion. This is extremely stressful, disrespectful and intrusive to my work. 

I left work to talk to XXXX court office but the office is closed.
Northland Group has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
The debt belongs to my son, he is a junior. Because we have the same name an no suffix is stated, the placed it on my credit report. I reported it to the original company who were very helpful. They gave me the phone number of the collection agency, which I called, and they were very rude. They stated that they had no account information such as date of birth or social security number. I know this is not true because the original company and they had the information and recognized the mistake. They also said they would try to help out in correcting this error. However, it dropped my credit score XXXX points and I need it removed from my credit report. Please help me with this problem. The problem was that he had to use my mailing address because he was an XXXX. 
Thank you! 
XXXX XXXX XXXX
I have tried multiple times to no avail through your agency since you do nothing to correct major credit problems but file it for posterity! Once again and after multiple complaints you close Synchrony Bank  HHGregg   XXXX   XXXX   XXXX   XXXX  has posted incorrect information to my credit agency reports causing server financial harm. Their response always omits critical information and the problems are never resolved. Your agency useless but I need to file for documentation purposes. In speaking to  XXXX  she confirmed I was paid through  XXXX . I am not two months pass due and I have not paid pending a reply of correction to the prior complaints you merely filed away! I understand they ae still being investigated by the credit bureaus.     Not more than  two  payments past due  ( 2 )   - SYNCB/HH GREGG    XXXX   XXXX    2017   SYNCB/HH GREGG has flagged your account as Not more than two payments past du e  ( 2 ).    Alert Type : Potentially Negative Found On :      XXXX   XXXX       2017  Potentially Negative Alerts notify you when one of your accounts has reported information that  may  negatively impact your  credit score.      Balance spoke to  XXXX  last payment made- way  XXXX    2017  . Paid up through  XXXX . Confirmed. I then asked for an acc t manager to insure me the credit report was repaired- the same as last time. Had to hold extensively long for a manager w ho I relayed my request for resolution! I finally Reached  XXXX  a Manager- who stated I WAS UP TO DATE AND NOT 30 DAYS PAST DUE AND THAT THE CREDIT REPORTING AGENCIES CAN TAKE 60 DAYS EVEN THOUGH THEY HAVE NOTIFED THEM TO CORRECT THE ISSUE.
I obtained a lease thru XXXX XXXX XXXX, XXXX. Was told payments were monthly when they were actually bi-weekly. I called XXXX and they advised that could n't be changed. After purchase, advised the salesman of numerous problems with vehicle. I was advised lease as is and nothing will be done about them. I went to a manager and requested a review or lower price due to problems. Manager said would only address XXXX problem ( rubbing noise in front right tire area ). Issue was looked at twice and never repaired. Made payments on time. Numerours times I requested a balance and/or statement, was told they do n't have ability to pull up?? Lost job XXXX XXXX due to company closing. Called XXXX, they advised there is no assistance on leases and have to pick up vehicle. Struggled to make payments. Made payments on time until XXXX XXXX. Called XXXX XXXX, XXXX and advised need assistance. Was told loan is now with Bridgecrest ( no communication on this until tried to make a payment ) They just requested job and phone and again said could n't help. Made payments XXXX a month. XXXX XXXX, XXXX car was repossessed. I called to ask why as I was never called, emailed or sent mail to advise of possibility of repo. Rep advised have n't received payment in 2 months when last payment received was XXXX/XXXX/XXXX. I asked to speak with a manager several times XXXX XXXX, XXXX and was denied.