WillisBack/dataset-financial-user-claim huggingface dataset:
I obtained a firsdt mortgage and a 2nd ( HELOC ) on XXXX XXXX XXXX with XXXX XXXX. The loan # with XXXX was XXXX. XXXX was acquired by XXXX. I contacted XXXX XXXX and they only show that the loan was transferred to XXXX XXXX / GMAC immediately. GMAC servicing is now handled by XXXX XXXX. I contacted the XXXX XXXX XXXX XXXX at XXXX and left a very long and detailed voicemail. Ocwen is only able to provide payment history from the date the loan was transferred to them which is XXXX. I am trying to refinance as a rate and term refinance. In order to do so the current conventional lending guidelines require that I prove from my current lender that no draws were taken out from the inception of the loan. I need Ocwen to state that. I have n't ever used the HELOC for draws. It was only used to obtain the loan. I am now in jeopardy of losing the ability to refinance to pay of the HELOC while interest rates are low. The value has n't completely come back pre XXXX but I can now afford to pay it off with the current appraised value and some funds from me. There is a balloon payment on the HELOC in 3 years that I want to avoid. I need Ocwen to provide a letter stating that the loan has n't ever had a draw and to also produce the note. I think it is very restrictive that they wo n't /ca n't provide records to allow me to refinance to pay them off. I 'm not asking for any favors. It is unfair but if I were to start missing payments it would be an immediate impact on my credit and my ability to secure low interest rate financing and even employment. I am now 2 weeks into this process and I keep getting the run around. The letter I am going to upoad from Ocwen states there has been no draws since the loan was relocated to them but I need it from XXXX/XXXX/XXXX. If they lost or did n't obtain the records I feel they should provide anyway as I am powerless to move forward without it. I am trying to pay them off with no fault of my own I 'm at an impass.My monthly payment is XXXX a month. I am trying to give them their entire XXXX in a lump sum in less than 2 weeks. One would think they would do what is necessary since its a problem that these lost records have created. I have not missed a payment on this loan in 12 years. Please help resolve this.
Equifax allowed for my entire information : SSN, DOB, DL #, address, credit card information, etc. to be accessed by parties not entitled to the information. My entire equifax history is now part of the hacker world with complete access to anything they want.
Ever since XXXX they have hit my credit DAILY as a new creditor, causing my credit score to disintegrate after I have told them repeatedly this is not only an INVALID debt, but that I want proof of my debt to them or any client of theirs. I have sent TWO letters ( tghe 3rd will be sent XX/XX/2018 ) demanding they show me proof of my debt and they have blatantly ignored my request, yet post DAILY to my credit report as I habe gotten notificiations from XXXX, XXXX   XXXX, XXXX XXXX, XXXX, and XXXX DAILY. This tactic is not only demoralizing but downright wrong since I habe asked they prove debt, which they have failed to do so.
Why is XXXX XXXX a debt collector employed by Modern Adjustment Bureau , INC, a California Corporation # XXXX, trying to collect 1 ) a debt paid to Dr. XXXX , the owner of the debt, in full about 5 years ago and 2 ) why is XXXX XXXX maliciously and illegally attempting to collect a debt in violation of California Civil Code of Civil Procedure, Section 337. California has a 4 year statute of limitation and the debt was incurred on XX/XX/XXXX and paid in XX/XX/XXXX. 

Also, in violation of FDCPA, violating sections 105, refusal to cease contact with me after I asked Ms. XXXX that for as long as she lives on this planet, I DO NOT want to contact with her via mail, fax, telephone, calls at work, on my cell numbers? Ms. XXXX, identified to me as an employee of Dr. XXXX, to whom the debt was owned and paid in full. She mislead me and falsified the fact.
The IRS withdrew a tax lien against myself and my spouse. Both the IRS and I have provided a copy of the form XXXX to all credit reporting agencies and XXXX immediately removed this public record. Experian has failed to do so therefore I filed a dispute. I received the results of their " investigation '' and they refuse to remove this public record even though it is no longer valid whatsoever.
equifax is reporting a debt from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX on my credit report incorrectly. These were included in by bankruptcy with was discharged. These debt should be removed from my credit report
Several times a week I get a call from EOS CCA saying that I have debt I need to repay. However, it is not my debt. I am completely up to date with all my bills and ALWAYS have been. I even called my utilities services to confirm and all said I do not have any outstanding balances. I tried to explain to EOS CCA but they continue to call me.
I filed for Chapter XXXX bankruptcy on XX/XX/XXXX. Included in the bankruptcy on, Official Form XXXX XXXX were three student loan amounts held and/or managed by XXXX XXXX : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX NE XXXX  Opened XX/XX/XXXX - Last Active XX/XX/XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX NE XXXX OpenedXX/XX/XXXX - Last Active XX/XX/XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX NE XXXX OpenedXX/XX/XXXXLast ActiveXX/XX/XXXX Total of XXXX loans {$11000.00} The above were included on the Matrix of Creditors in aformentioned Bankruptcy filing submitted to the court on XX/XX/XXXX
*** According to Official Form XXXX ( For Individuals or Joint Debtors ) Notice of Chapter XXXX Bankruptcy Case No Proof of Claim Deadline : " Creditors who assert that the debtors are not entitled to a discharge of any debts or who want to have a particular debt excepted from discharge may be required to file a complaint in the bankruptcy clerk 's office within the deadlines '' Dates : Meeting of creditors - XX/XX/XXXX at XXXX XXXX - No representative from XXXX XXXX XXXX. attended the meeting Presumption of Abuse - Deadline to object to discharge or to challenge whether debts are dischargeable : Filing deadline : XX/XX/XXXX Deadline to object to exemptions : Filing deadline : 30 days after the conclusion of the meeting of creditors Deadline to object to intended abandonment : Filing deadline : 75 days after the conclusion of the meeting of creditors *** According to the " Certificate of Notice '' Form ID : XXXX - Notice by first class mail was sent to XXXX by the Bankruptcy Noticing Center on XX/XX/XXXX.
A discharge was granted by a United States Bankruptcy Judge *** XXXX reported to all three reporting agencies that the balance on the three XXXX loans was {$0.00}, they were discharged in Chapter XXXX Bankruptcy, and " Closed - Derogatory ''.
The reports reflected this status for multiple months. During the same months, no statements for any loan are available. I inquired about the statements when I discovered the three student loans had reappeared with a balance on my credit report.
+++ I have had discussions with XXXX, XXXX XXXX XXXX XXXX, and the three credit bureaus. Nelnet has given me the runaround and says to check my statements. There were, however, no statements for the months that the loans showed up as Closed {$0.00}. I requested from XXXX that they provide all statements for the year of XX/XX/XXXX.
The request was denied through an email that literally said " ... your request has been denied ...
I was unable to get any explanation as to why they would n't send the statements.
The same as above is true for XXXX as well.
One of the other credit reporting agencies, XXXX I believe, did follow up on their investigation and stated the erroneous information had been removed and my report changed to reflect Closed {$0.00} for the most expensive loan.
I 've tried several times to communicate with all involved parties and have gotten nowhere I have additional information if needed Thank you XXXX
My name is XXXX XXXX XXXX I am the XXXX more then 8 years as XXXX & XXXX. 

I am in the middle of a modification with Nationstar on my home loan here in XXXX XXXX CA After being invited in writing to apply for modification in XXXX and just this XXXX having been approved with an unexceptipal modification offer because it forgot to include the $ XXXX principal reduction alocation. I received approval from XXXX for the priceable pay down I am faced with the fact that Nationstar filed a " Notice of Default '' right in the middle of my loan modification consideration time period. I have become a victim of " Dual Tracking '' I am afraid i will shortly receive a 21 day notice of sale as a result of this mistake. 

I need help to get the Nationstar bank to recall the " Notice of Default '' in direct violation of the " CA Homeowner Bill of Right '', this is an error and i cant get the bank to self correct. 

I need to move forward in a positive way. 


how can your office open a case for intervention?? I have to meet a client in XXXX XXXX. Friday I will leave the usa so we have to move fast as you can understand. 

Please help me
Around XX/XX/2014 I obtained a loan from Exeter finance to acquire an XXXX XXXXXXXX XXXX. Months after I obtained the loan my parents house was about to get foreclosed on. I called Exeter finance and asked if I could make 2 late payments due to unforeseen  circumstances. The customer service representative said that she could do better than that. She told me that she would put my next 2 monthly payments at the end of my lease so that I don't accumulate late fees. It seemed like a very simple task until not even 6 weeks later my car was repossessed for non-payment, a payment in which was agreed would be moved to the end on the loan. I called and tried to get everything sorted out and they told me they didn't receive my agreement, I sent them the information showing them the agreement and the representative told me it was too late and that I would have to pay almost {$4000.00} in fees that were assessed. The company illegally repossessed my car for purposes that were the fault of the company and weren't willing to take the blame or make it right by returning my vehicle even though they acknowledged their fault in it. The company therefore broke an agreement made between the company and consumer and it needs to be remedied. I have contacted XXXX  as this item should have never went on my credit report, it is a fraudulent loan due to agreement terms being broken by the company. If this item isn't removed from my credit report, I will be pursuing charges and contacting the FTC to pursue fines for unfair and unethical practices.
Rushcard promises two day early direct deposit. My dd usually comes no later than XXXX XXXX one day before my payday well still no money. And customer service has been unreachable for 3 days now. Yesterday I called XXXX times and was on hold XXXX to XXXX min a piece only to be hung up on. My online account access has been locked since XXXX since then I have not been able to reach customers service. I switched to another card company but still have XXXX more direct deposit coming from my job. I have to leave town for a job interview today and can not go because I have no money. I have XXXX kids and I need to feed them. This is no joke this is my hard earned cash I plan on obtaining XXXX attorney if I do n't hear anything by XXXX.
In XXXX XXXX I bought a XXXX XXXX XXXX financed by Lobel Financial. I signed all the paperwork with my payment being {$290.00}. I went down the street to get proof of insurance for this vehicle, I get back, I was told the finance company had already jacked my payment up. I had to sign new paperwork, making my payment {$320.00}. Before the first payment was due, I got a notice that I did n't have adequate insurance and they were going to XXXX my payment up ANOTHER {$66.00} a month. This continued the whole time I had this vehicle. ALL the documentation is being sent to you. The insurance company repeatedly faxed them proof. Come to find out, that 's their SOP. It 's a major league scam. They now operate XXXX offices in XXXX States. XXXX XXXX is an active, practicing Attorney in the XXXX of CA. # XXXX, admission XXXX XXXX. Interesting, he sues the very people he profits from. In XXXX, Lobel Financial paid {$150000.00} in civil penalties, and {$100000.00} to the XXXX of CA for XXXX and costs. Compare all the complaints with the XXXX, Consumer Affairs, Complaints XXXX, and Debtor 's XXXX, they have a well established, documented theme. They 've acknowledged the problem in numerous complaints but have failed to fix the problem. With him being a lawyer, you would think he would have taken corrective action, but has not. I 'm filing a complaint with the XXXX.
I would like the remarks that are showing on   XXXX   XXXX   and   XXXX   to be removed. Bothe accounts have remarks that read : " Account information is disputed by consumer ''. I am NOT disputing these items and since I have not received any FCRA verified information as they state I want the remarks cleared please. I do not want remarks showing this because no proper investigation was done and  XXXX   XXXX  and   XXXX   XXXX   have assured me that they would send  XXXX  and Experian alerts to remove the remarks because no investigation was done by the companies in a timely matter.
On XXXX XXXX 2017 I sent a certified letter to all three credit bureaus stating that I had multiple inquiries on my report I did n't recognize and I did n't authorize these inquiries. I have yet to hear back from the companies. I decided to call Equifax on XX/XX/XXXX, and was told they received my certified letter but they put the information in wrong and they will start the investigation all over. I was never notified of anything prior to calling on this day from either XXXX, XXXX or Equifax.
I received a bill from XXXX XXXX XXXX around XX/XX/XXXX for {$320.00}. I immediately called and disputed the validity of the bill. My insurance had already paid the hospital {$5300.00} for my medical care at time of visit ( XX/XX/XXXX ). I also informed them that they filed the XXXX   claim under the wrong SSN which was an indicator to me I was billed erroneously for service not received. I was not contacted again until XX/XX/XXXX when Eastern Account System sent me a debt collection notice. I responded to the office via phone and letter within the 30 day allotted time disputing the validity of the debt and the services. I received an alert from XXXX that a collection was placed on my credit report dated XX/XX/XXXX. This medical collection is less than 180 days old and should not be on my credit report in accordance with the National Consumer Assistance Plan 's initiative.
Because of the low principal balance on my mortgage Chase Mortgage informed me that I could place my Homeowners Insurance myself. However, they did not tell the insurance department of Chase who went ahead and also placed a policy. Which when cancelled incurred a {$720.00} short rate charge. This also happened the year before! Please advise?
I never received a move out bill from XXXX XXXX and when I contacted XXXX XXXX they had no proof they sent me a bill. I asked XXXX XXXX how much was owed and promptly paid it. XXXX XXXX received the cashier 's check and cashed it to settle my bill. 
When IQ Data contacted me, I explained the problem and sent them a copy of the cashier 's check but they ignored me. IQ Data 's problem is with XXXX XXXX not me. 
IQ Data reported this as a collection account even though it was paid. I feel they did this just to harass me. I have corrected this error with XXXX, XXXX and now I'm in the process of correcting it with XXXX. This should never have been reported to the credit bureaus.
Navient has arbitrarily and without warning increased my student loan interest rates five times, yes you read that right, FIVE TIMES, in the last year alone. That is more than the last 6 years combined. Not to mention they purposefully delay payments that you have made for days on end. There is absolutely no reason that a payment I made on Friday morning has still not gone through Monday afternoon. Absolutely no reason at all. I know the Consumer Financial Protection Bureau and the Department of Education are both run by severely corrupt individuals, who are on par in corrupt practices with XXXX  and just as greedy, but mark my words one day the CFPB and the Department of Education will be run by people who actually do their jobs, which is protect people not corporations, and Navient will pay for their shady business practices.
While living in Indiana XX/XX/XXXX, I received a collection notice for a hospital bill for XXXX XXXX visits that was addressed to someone with a different spelling of name for my son. I called the collection agency and informed them that my son was not in the state of Arizona for the first visit date and the debt did not belong to my son. I then called the hospital to inform them of the error and the debt did not belong to my son. My son, who was back in Arizona, drove XXXX miles to the hospital to provide his ID to prove he was not the person on the debt. I was told they would correct the issue, but it was not corrected and I continued to receive collection letters and phone calls. Each time, I notified ARS ( Account Resolutions Services ) of the error. On XX/XX/XXXX as instructed by ARS, I sent a letter with a copy of one of the collection letters informing them of the error and to cease and desist collection from my son. I continued to receive collection notices so XX/XX/XXXX, I reached out to the hospital 's parent company 's compliance department and spoke with XXXX XXXX. She said she would investigate and on XX/XX/XXXX I received a letter from their financial department stating it was verified the debt did not belong to my son and the credit reporting agencies were notified. XXXX XXXX assured me that the records were corrected and the collection agencies, including for the physician bills, were notified of the error. All was quiet until XX/XX/XXXX when I again received a collection call from ARS. ARS was notified on multiple phone calls that this debt was not my son 's and in writing on XX/XX/XXXX and to stop collection on this account. ARS has violated my son 's rights by refusing to remove his personal information from their records and to stop collection efforts.
Wells Fargo has been trying to collect monies for a force placed insurance on my home. We have provided them with proof of insurance in the past multiple times and in the present time for them to update their records and remove that fee from our account as we are trying to pay off the existing loan. However we need the correct payoff without those additional insurance fees. It has been over 3 months dealing with them on this issue with no result. They don't even know when that forced policy was placed nor do they have proof that we were even sent a policy nor a bill prior to now. However, after doing some research I have found new evidence today that shows that back on XX/XX/XXXX Wells Fargo sent me a Notice of Right to Cure Default ( Real Estate ) and added late fees, past due payments they claimed we did not pay, along with the forced insurance policy. A response with proof of payment, proof of insurance was faxed to Wells Fargo on XX/XX/XXXX and at that time we should have been cleared of all of those charges. We have dealt with various insurance requests from Wells Fargo and we have complied and provided proof every single time. Also, our insurance agent provided proof of insurance along with contacting them to ensure that they had insurance information and even sent a new policy reflecting Wells Fargo on the policy instead of XXXX ( they had merged/or purchased XXXX ). After my response with regards to the Notice of Default I demanded that I be mailed proof of all issues being cleared up and Wells Fargo mailed us a Verification of Mortgage dated XX/XX/XXXX reflecting our account was in fact in good standing, those fees were removed and payments made that they claimed were not made were already processed by them. That Verification of Mortgage reflected our true balance at the time and showed only 1 late payment for the last 12 months on that year. Therefore, we have more than enough evidence that this forced placed insurance policy issue was resolved immediately and should not be an issue now in XXXX. Aside from the fact that after that Verification of Mortgage we never received any other bills or requests to pay for that forced insurance policy nor did that ever show up on any of our monthly invoices until approximately 3 months ago when we noticed said additional charges on our invoice and then we started to investigate the matter and finally filed various complaints against Wells Fargo. They are trying to collect monies from us that are not truly owed by us. At first they even claimed that that forced insurance policy was done back in XXXX however that was a XXXX account back then and we still provided proof of insurance to them for the year XXXX. We can not seem to get Wells Fargo to understand that this issue is not from XXXX but from XXXX however it was resolved. This is a matter of someone who did not update their system ones proof was sent and now years later they want to collect something they never even paid for. Thank you for your consideration on this time sensitive issue.
Barclays has surreptitiously re-aged the debt purportedly owed to them. Barclays reported to the credit reporting agencies that payments were made at sporadic dates in XXXX, in an attempt to extend and/or circumvent the Fair Credit Reporting Act requirement that debts older than seven years must be removed. The alleged debts owed and reported are older than seven years. 

On XXXX XXXX, XXXX, I received mail from Barclays about an alleged debt owed. I checked my credit report through XXXX and the debt has been reported as an adverse account. [ Account # XXXX ( Please note : XXXX omitted account 's last XXXX digits for security reasons ] .I sent via certified mail [ Mailed XXXX/XXXX/XXXX ; received XXXX/XXXX/XXXX ] a request to Barclays to provide me with the following : 1. the amount of the debt ; and 2. proof of the last payment made on the account. 

Barclays did not provide me with any of the information requested.
I just received a renters report from the apartment complex I just applied to. It lists an address from 2011 that I have never ever resided at, I contacted the company ( Experian ) months ago and was told it would be taken off and now I see that it is still being listed as a previous address. I want it removed from my consumer reports
i had fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt done and violates my rights as a consumer. i reached out to the credit breau on more than one ocasion to advise that my credit was being pulled with out my permission. the listed inquires were pulled with out my permission. discover financial XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   card XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX  XXXX/XXXX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX i did not authorized these inquires and demand that they be removed from my report.