WillisBack/dataset-financial-user-claim huggingface dataset:
This issue is about a company called Ocwen Loan Servicing in Florida. 
I do not have a loan, never had a loan, never heard about nor ever had or did any business with Ocwen or Ocwen Loan Servicing. Nevertheless, Ocwen recorded and published in public records that I took out a loan with Ocwen for {XXXX, which I never did. Ocwen has placed a lien against my name on that loan and alleged I never paid the company back. 
I called Ocwen and sent faxed documentation XXXX XXXX approximately containing information and facts that confirms I have identity theft. XXXX XXXX, XXXX I spoke with XXXX in Ocwen 's Consumer Ombudsman 's office about the aforementioned issue. XXXX stated Ocwen had determined " I was not the Ocwen customer the company alleged defrauded them. And also stated even with the above being the fact Ocwen would not delete the negative information, release all liens and encumbrances placed against my name as their alleged client " has a similar or same name as I do. '' More importantly XXXX stated the reason Ocwen was not wanting to correct the situation is because the company requires a copy of my social security card that I will not send to them. Ocwen already knows and has confirmed their client has a different social security than I. I believe the request for my social security care is unlawful and an abuse of power against consumers. 
No governmental agency to my knowledge provides or has provided any company or entity the right - to deny a consumer their rights under the laws of the United States of America. The FTC nor the Consumer Protection Bureau has mandated such right to Ocwen. Consumers are not wise to provide their social security card to people or businesses with whom they never had nor have any relationship. 
I have identity theft and completed an affidavit for Ocwen that I located on the FTC website as well I submitted all documents Ocwen requested and submitted proof I have been a victim of identity theft, including a compromised identity card, provided me, by the XXXX XXXX. I also sent Ocwen copies of all the FTC and US laws requirements and mandates to release and desist from further harming ID theft victims through making public reports and or credit reports of erroneous damaging information against identity theft victims. Ocwen choses to ignore all laws, rules and regulations. Ocwen refuses to adhere to the US laws, rules and regulations of the FTC and Consumer Protection Bureau. Ocwen refuses to release their lien against me as well as refuses to release any and all other inaccurate encumbrances they have placed against me and or my name Ocwen is knowingly and willfully acting illegal by attempting to cohere consumers into providing information they have no right to and that is not required they provide by law, especially information as personal as one 's social security card.
REGIONS BANK ALLOWED A COMPANY CALLED XXXX TO TAKE MONEY OUT OF MY ACCOUNT IN SOMEONE ELSE 'S NAME THE NAME XXXX XXXX THERE IS NOT A XXXX XXXX ON MY ACCOUNT XXXX TOOK OUT {$130.00} ON XX/XX/XXXX, {$130.00} ON XX/XX/XXXX, {$130.00} ON XX/XX/XXXX, {$130.00} ON XX/XX/XXXX, {$150.00} 0N XX/XX/XXXX, {$140.00} ON XX/XX/XXXX, {$130.00} ON XX/XX/XXXX, {$130.00} ON XX/XX/XXXX {$120.00} ON XX/XX/XXXX, {$110.00} ON XX/XX/XXXX, {$110.00} ON XX/XX/XXXX, {$100.00} ON XX/XX/XXXX, {$99.00} ON XX/XX/XXXX, {$92.00} ON XX/XX/XXXX {$86.00} ON XX/XX/XXXX. AND ANOTHER & XXXX
Equifax stated I was deceased when I applied for a credit card. I had to get XXXX to correct it. I got a rep. on the phone from XXXX. 
after a series of? she checked my records and determined I was indeed alive. Then she called Equifax and we had a 3 way talk. After security questions from Equifax, they said I failed the test! They ask me questions about loans I had and banks that gave them. I have not applied for a loan in over 5 years. I have no idea what info they have that I answered wrong? But I believe their info is wrong, just like the info that I'm dead! I get credit reports from XXXX & XXXX. and I have no problems!
This is in regards to the recent leak of information from Equifax including private personal and financial information, mine included. It is unacceptable for a organization that is in control of such important information to be open to such data loss. It shows a gross disregard for information security.
received a bill from " XXXX XXXX '' dated XX/XX/2018 said I have an amount due {$660.00} to " XXXX XXXX XXXX '' which I'm sure I don't. 
I sent an email to XXXX XXXX XXXX but haven't received a reply from them yet.
My husband and I opened XXXX checking accounts in Wells Fargo at the XXXX New Jersey branch in XXXX of 2012. We also filled out a credit card application for overdraft protection as was suggested by the banker who opened the accounts, but we never received a credit card which was how they handled overdrafts. Several months later we discovered that we had been issued a credit card and owed them money. We argued that we did not have a credit card with them and wanted to know how was it activated. Any time one of our accounts was low money was transferred from another account. My husband is the family banker and pays the bills on line so he watches the accounts.They had no answers, the card was supposed to be in my name but supposedly according to Wells Fargo, my husband activated it when they called and spoke to him about an account that they claimed was overdue. He was confused about the call and thought it was about one of the checking accounts. We could n't believe that Wells Fargo had activated the credit card by talking to my husband, a card that was supposedly in my name and we knew nothing about. We were angry. They told us that they do n't always send out the cards, we never heard of that. How can you know you have a credit card if you do n't receive one? We sent letters to the main offices of Wells Fargo but they would not do anything, just sent letters patronizing us. We were charged interest and late fees. However the worst damage was the damage to the wife 's credit that Wells Fargo refused to address and has been plaguing us ever since.
I received this letter from this company demanding money. To my knowledge this company has never provided me service and nor have I ever agreed to pay for said services
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. Numerous bank accounts have been opened using my name and personal Information as a result of fraud. Banks affected were as follows Chase Bank, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 
I am not responsible for any charges made to these mentioned accounts. 



According to federal laws you are required to provide undeniable proof that this debt is valid. A fair resolution to this issue would be complete deletion of this negative trade mark being reported to all major credit reporting agencies. Thank you for your assistance
I have checked my credit report from XXXX and I have noticed an unauthorized hard inquiry. I have no knowledement of this inquiry on XXXX XXXX, 2015. I would like it off my credit report due to I personally not applying this inquiry.
On XX/XX/XXXX XXXX XXXX XXXX U.S Bankruptcy Court Dismissed the BK case and prior to the dismissal Loan care recieced the following payment againt XX/XX/XXXX defiency blance of {$9.00}, XXXX in the following manners : ( 1 )  Bankruptcy court paid from the plain {$3000.00} toward the defeiency blance. 
( 2 ) Loan Care retain two surplus payment for XX/XX/XXXX and XX/XX/XXXX for {$2000.00} each year. a ( 3 ) The homeowner has paid XX/XX/XXXX mortgage on XX/XX/XXXX {$1500.00} dollars on a {$1300.00} and on XX/XX/XXXX LC informed us that there was a surplus of {$2000.00} was being applied to XX/XX/XXXX payment and then informed the homeowner in the XX/XX/XXXX statement the only amount due was {$1300.00} which was paid by a LC a Cashier check sent on XX/XX/XXXX and received by LC XX/XX/XXXX. 

However, in spite of not owing reported default amount, but the owners have received a notice foreclosure proceeding has commenced laying claims that homeowner are nine months delinquent of {$9700.00} and debtors has proceed with Foreclosure attempt without further FHA stand alone review, loss retention in accordance with FHA requirement for special forbearance and the right to cure the default. 

The lender has not filed a new notice of default with the  county regarding the amount owed is less then {$4000.00} prior to intuiting current for closing proceeding. The lender has active foreclosure proceeding without allow the a chance to verify the claim of default and/or the amount owed, or has not assess the borrower financial situation to remain in the home by performing an early review of the loss mitigation submitted to loan care on XX/XX/XXXX at  XXXX. Eastern Pacific Time,.
I

have been on income-driven repayment plans since I graduated law school in XX/XX/XXXX. I have never missed a payment and have timely recertified each year -- that is, until XXXX  provided me bogus annual recertification deadlines, then used my " late '' application to capitalize $ 50K+ of interest on my student loans. After two complaints through the CFPB ( see, e.g., Complaint No. XXXX ), XXXX finally acknowledge and corrected about $ XXXX   of the $ XXXX of capitalized interest. Now, it is important that XXXX   addresses the remaining $ XXXX  that was capitalized due to their predatory scheme.

Prior to my XX/XX/XXXXannual recertification, I received a letter providing an XX/XX/XXXXdeadline. A month or so later, I received a letter providing a XX/XX/XXXX recertification deadline. At the time, I didn't realize that the first letter was for my loans under the IBR plan and the second letter was for my loans under the REPAYE plan. And why would I? I've always recertified a single time each year and had no reason to believe I would suddenly have two different deadlines. And XXXX  was not even asking that I submit two applications for the two different plans ; only one is required.

The fact of the matter is that the later XX/XX/XXXXdeadline is completely bogus. The only way that I would not have been penalized is if I had followed the earlier XX/XX/XXXX deadline and ignored the second letter altogether. But in my not realizing XXXX changed the game ( two deadlines for one annual recertification ) and my relying on the most recent letter I had received, XXXX had contrived a scheme that, in practice, was used to mislead me then catch me on a technicality, giving XXXX   reason to capitalize ten of thousands of dollar of interest.

Please consider, too, that I was/am already swamped with $ XXXX in student loans without all this capitalized interest and I have always paid on time and even pay additional amounts monthly. I have been an ideal customer with a reasonable explanation as to how this happened, and I hope XXXX will do the right thing.
I am writing in regard to Discover Financial Services. XXXX XXXX I made a final payment to this credit card due to loss of personal solvency. XXXX XXXX I received notice Discover was writing off this debt as uncollectable. 

Tax year XXXX I received a XXXX for cancellation of this debt. This is incorrectly reported, and should be applicable to Tax year XXXX. As a result of this reported charge off in the incorrect tax year, I have wrongly due {$900.00} to the IRS. 

I have contacted Discover Financial Services in writing and via telephone several times in an effort to have them amend the XXXX to reflect the correct IRS reporting year of XXXX. 

Respectfully I request Discover Financial Services amend the XXXX XXXX to reflect the appropriate XXXX.
I have a student loan through nelnet I am permanently XXXX and have been since 2009 I submited papers for this to be dismissed due to being XXXX I am getting the run around on completing this process This is the last yr since i applied for the dismissal there is a 3 yr monitoring process i am told. 

And all i am getting is the same questions name address social security number But no completion
Capital One is reporting XXXX mortgage accounts on my credit report that are in violation of the Fair Credit Reporting Act. They are reporting the last reported date as XXXX XXXX for the accounts below when the last late lates were made in XXXX XXXX. 

This caused me to get denied for a mortgage because it made it seem like I was late within the last year since the last report date was XXXX XXXX. 

The account numbers are XXXX and XXXX. 

There is no balance on the accounts and I even disputed this account months ago and they verified it as accurate which is not true.
The US Bank keeps adding additional fees of {$36.00} and {$25.00} for an Overdrawn Amount of {$440.00} which is unacceptable. As previously stated, the US Bank continue harassment is inflicting me with severe emotional stress. Every time the US Bank harass me I have to visit the local branch located XXXX, and ask the Manager to stop the continue harassment. This trip caused me stress as I am a XXXX with XXXX. Additionally to this, the US bank keeps e-mailing Urgent Notices with unacceptable wordings such as demanding immediate payment and/or collection action and/or bank account closure which is intentionally made to inflict me with severe emotional stress. The US Bank offers Overdraft Coverage to customers that open a Checking Account. The US Bank receives my income amount of {$1500.00} electronically deposit in my Checking Account on the XXXX. Wednesday of each Month as directed by the Social Security XXXX. The US Bank collects XXXX. Wednesday of each month all Overdrawn Amounts plus all Fees ; consequently the US Bank is not loosing any amount of money.
I disputed with the company on XX/XX/XXXX I show that the company received my disputes on XX/XX/XXXX. According to certified mail notifications. I submitted an additional dispute on XX/XX/XXXX and show that it was received on XX/XX/XXXX. it is now XX/XX/XXXX and have still not heard back from the company from my request. The FCRA gives the company 30 days to respond with info requested and I have not gotten the info i requested or response about when I will
Charge a {$5.00} fee for an account set up by the bank to save money. Account was not at a XXXX dollar amount.
I went to XXXX XXXX and told them that I only wanted federal loans. XXXX XXXX acknowledged that they would not take out any private loans ; however, they did. I did not find out that I had a private loan until XXXX XXXX/Naivent began to collect. 

I am unable to afford the high minimum high interest rate. Whenever I would speak to Navient they would tell me there are options available to me for repayment. When I ask about the options they state that I do not qualify for any of them and that I need to pay in full. 
Even when meeting my minimum payments it was all going towards interest. When I originally question this I was told that I have to pay the interest for the life of the loan before principal. Navient calls my phone 4-6 times a day every day. 

When I tell them that I can not afford the cost they tell me that I need to seek money from friends and family to pay them. 

Harassment and lots of threats with no assistance.
XXXX did a hard inquiry to my credit report in XXXX XXXX and again in XXXX. When I switched my account from business XXXX to individual XXXX XXXX proceeded to do another hard inquiry on my account despite the fact that they were informed that it was the same social security number and I did not agree to a hard inquiry on my credit. They were informed that if they had to run a hard inquiry on my credit report I was going to close my account. I was assured by the customer service representative that they were not going to run my credit again. When I pulled up my credit report it appears that despite the recorded message of me NOT agreeing to another hard credit inquiry XXXX went ahead and proceeded with a hard credit inquiry. Once again I never agreed to allow XXXX to run my credit for the second time as my recorded message would indicate. I have notified XXXX on several occasions both in writing and over the phone that this is unacceptable and XXXX has done nothing to rectify the situation. I am therefore asking for your assistance in this matter as this company can not be trusted to do right by their customers.
I get calls repeatedly from XXXX claiming to be from Optimum Outcomes INC for a XXXX XXXX. I do not know a XXXX XXXX ; I assume he had my phone number previously. The calls are always a recording and always leave half of a voice mail message because their autocaller is n't smart enough to wait for the answering machine to pick up. The caller always tells me that if I actually listen to my own voice mail, I am acknowledging that I am this XXXX XXXX person. I 'm not. 
This is a list of only a few of the many calls I 've received from this company for the past year : 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, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX
XXXX XXXX, consumer had in collections, was about to expire, due to debt being 7 years ago, when a new credit bureau picked up and began seeking action. Consumer was in the process of buying a home, and this impacted my credit in a negative way. Consumer settled debt, and now company is not removing from credit profile asking requesting by consumer.
The month that they changed from Nationstar mortgage to " XXXX XXXX '' mortgage they sent me a letter saying my monthly mortgage payment was going from XXXX to XXXX, and gave me some abbreviations on line items to explain my new payment. 
When I called they offered explanations in jibberish, and when pressed would quickly transfer me to another department or representative. After 47 minutes and 5 different representatives they still had no explanation but said only that my payment would stay at XXXX after they " re ran the numbers ''. 
This is entirely unacceptable from a mortgage company. 
If they ca n't adequately explain how this could happen in the first place, what is missing in the hiring practice at this company? Perhaps there is magic involved, and they are forbidden from revealing it 's secrets? 
This is n't XXXX 's, screwing with peoples homes is not the same as mixing up XXXX XXXX and XXXX. 
I still have no idea why they are or even if they are collecting money for my homeowners, every time I asked this simple question I got a history lesson on my mortgage or talk of projected pricing. Yes or No does not exist at XXXX XXXX. 
I learned two things from the XXXX near hour I spent on the phone with XXXX XXXX ; first that anyone can get a job at a mortgage company, and second that I desperately need to refinance right now
Convergent Outsourcing , Inc is misrepresenting itself to claim to be authorized to collect on a non existent debt to commit fraud. Their only purpose is to steal money for their on gain. They are well known for fraudulent behavior. The document sent connects them with XXXX. These frauds work together and steal XXXX from consumers yearly. It 's too easy for them. What can be done to prevent a ripoff? 

















llc
They are giving our account to a company named XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX, for servicing. This company is being sued by so many people because they are ruining their credit and everything else. I do not want this company servicing our account. We have filed a complaint here on XXXX XXXX, 2017have not heard from Bank Of America, and when I do speak to them they say that they can not stop this process.
I am requesting a review of my m current loan status with Navient. Navient currently shows me as being past due 30/60/90 days during the months of XXXX, XXXX and XXXX of XXXX. This is a dispute and a request to remove the past due status due from my credit report due to non-notification and awareness of a balance with Navient. 

I filed chapter XXXX bankruptcy in XXXX XXXX. At the time, my student loans were managed and owned by XXXX XXXX. I made several attempts to get a status of my loan with XXXX XXXX and was informed that my account was under a cease and desist because of the bankruptcy status and they could not release any information or speak to me regarding my student loan account. Under Chapter XXXX bankruptcy ( 5 years ) there was no notice or communication ( phone call, e-mail, letter ) received from XXXX XXXX regarding my student loan account. 

I sent in a previous dispute letter dated XXXX/XXXX/XXXX ( enclosed ) to Navient in which I received a notification that past due is valid and will not be removed. I am disputing the results of that investigation and would like for someone to take a look at the history of events for my account. I called customer service and spoke to a manager who informed me to write in again regarding the history and events so that my case can be reviewed again. 

History XXXX XXXX Filed Chapter XXXX bankruptcy XXXX XXXX Moved from XXXX XXXX XXXX XXXX, XXXX XXXX to XXXX ( enclosed Change of Address Confirmation ) XXXX XXXX Chapter XXXX bankruptcy discharged XXXX XXXX Navient sent letter of loan purchase to XXXXXXXX XXXX address ( I never received and I was no longer residing at that address. My primary phone number also changed ) XXXX XXXX I was contacted by Navient regarding my loan. I made a payment the same day and updated all contact information. 

Please be advised that when Navient assumed the loan from XXXX XXXX, I did NOT receive any communications regarding the sale. It is evident that any communications from Navient were being sent to an old address where I no longer resided ( letter enclosed ). During this time, I am still under the  assumption that XXXX XXXX is my loan provider. I was finally contacted by Navient in XXXX XXXX where I immediately updated all my contact information and made a payment that same day. I have also made my payments each month thereafter on time. As you can see below from my reported loan history, I have never missed a payment, even before I filed bankruptcy, so why would I do so between XXXX and XXXX XXXX.
Wells Fargo is who I have my mortgage threw at XXXX XXXX XXXX XXXX XXXX Texas I am complaining about my Insurance that I have on my mortgage, late charges from XX/XX/XXXX threw XX/XX/XXXX, XXXX, was charges for XX/XX/XXXX threw XX/XX/XXXX was different from what XXXX charges, My dwelling was almost double add up to over XXXX per year. My monthly mortgage note was over inflated, FHA insurance was not matching was they was drawing from my escrow, over charges on escrow and saying they gave me a refund, I received on two payment from XX/XX/XXXX threw XX/XX/XXXX and check was deposit or said cashed to my account do n't match my signature, retaliation on not excepting payment in XXXX/XXXX/XXXX I send it about four time and it was sent back, retaliation letters to foreclosure on my home, I never missed or been behindRetaliation for filling a complaint with the OCC for foregoing my name to document, they said I request for assistance but I did n't they called me and I said I never been behind on my mortgage and send treating letter of foreclosing, when I call for a pay off they refuses to give it to me, I would like my whole account looked into, if they want me to vacate my home then they need to pay off what I owe on my home, giving out my private information and phone number to brokers, pulling my credit report without my permission for marking there products, signature on deposit slip sign by employees,