WillisBack/dataset-financial-user-claim huggingface dataset:
There is an account with OCWEN reporting on my credit report, account number XXXX, that is not and never was my account. I am in the process of refinancing my current mortgage with XXXX and I am unable to move forward because of this issue with OCWEN. My credit report says it is a charge-off account that I still owe {$25000.00}. Every time I call OCWEN, they tell me the account number that is on my credit report for them is in fact NOT my account, and that this is for a property in OHIO for someone else. They are unable to tell me who, since this is not my account which I understand. However, I have asked multiple times for them to confirm this by sending me a letter verifying that this is not mine. The first time they told me they were unable to do this. After multiple complaints they told me a couple weeks ago they would send something to me in the mail. I never have received anything. Furthermore, I submitted something to XXXX to call OCWEN and verify. They called and OCWEN said it is to stay on the account. Then when I call they said its not mine?? I want this resolved asap and I need to get this loan refinanced and this is holding me up.
Was contacted by a company called XXXX. They offered me a 0 % life of the balance transfer, 0 % balance transfer fee. I started getting credit cards in the mail under my name. They applied for credit cards in my name and sent them to my house, then did a balance transfer without my knowledge. Now I ca n't reverse it and am being charged a 4 % balance transfer fee ... and with a 0 % 15 month promotion.
I received an alert from XXXX XXXX about an inquiry and I thought it had to be a mistake because I have a fraud alert on my credit report. This was around the time of XXXX XXXX, which hit Florida. Then I received a letter from XXXX XXXX saying I was denied for a card but I never applied for a card. Also, anytime that credit is applied for, I am supposed to be contacted at the number on my credit report and no one called me. I see that they pulled my XXXX credit report which matched the credit pull alert that I received from XXXX XXXX. I just opened a credit card and had no need to open another and when I applied, this company called to verify it was me applying, which Sears did not. If they would have they would have been aware, I did not apply. The document had a reference number XXXX
the collector that called me did NOT MINI MIRANDA me. they called and left me a voicemail, so I called back and told them that according to the FDCPA they were not aloud to do so, the man began raising his voice at me and told me that they can do whatever they wanted to do and that they can call multiple times to my number. 

THIS ACCOUNT NEEDS TO BE CLOSED OR I WILL CONTACT AN ATTORNEY AND TAKE LEGAL ACTION AGAINST THIS COMPANY. THEY NEED TO STOP HARRASSING AND VIOLATING THE LAW.
This dentist appt was back in 2012 and I was under XXXX XXXX dental insurance. 
XXXX XXXX did not file the claim with XXXX XXXX as I was 100 % covered for any dental services. I have explained this to XXXX XXXX and ARC-This is a case of complete incompetency on XXXX XXXX part and even more so with ARC. 
We do not owe this debt-it belongs to XXXX XXXX and XXXX dental should go to them and collect the fees. No services were provided in any way other then to attempt to talk me into whitening my teeth. The receptionist at XXXX XXXX has stated that they have just sent 12 years worth of unpaid acct receivables to ARC and they are getting bombarded with calls about not owing the debt. ARC has been calling repeatedly both my wife and I. My wife was the primary insured and has no responsibility whatsoever and has no relationship to this debt.
Synchrony Bank did not correctly enter my check information and subsequently reported me as 30 days late to the credit bureaus. I tried correcting the information, but Synchrony Bank refused to help me.

It is unfortunate, but Synchrony Banks Customer Service representatives are in Third World countries and their English is often very poor. Due to that problem, they often they are unable to understand the information given and make mistakes. While Sunchrony Bank may be saving money by using offshore representative, I am the one who is paying the price for their errors. Since the Customer Service representative got my check payment information wrong, the payment was subsequently rejected and now my otherwise perfect credit is showing one 30 day late payment.
In XX/XX/XXXX I was contacted by a third party ( did not know they were a third party at the time ) advising me they were from the Dept. of Education and were dealing with my student loans directly. 

I was told by the gentleman on the phone that I qualified for an income based program administered by the Dept. of Education which would allow me to make 3 payments of {$260.00} and all subsequent payments until XX/XX/XXXX would be deferred upon reevaluation of my income. 

I was obviously skeptical and questioned several times asking to confirm he was in fact from the dept. of education and after seeming to be trustworthy, I was convinced he was there to " help me '' I submitted my 3 payments and assumed I was clear from having to pay anything further until my next evaluation period. 

It wasn't until a few days ago when I noticed my credit score took a complete nosedive that I realized I was in default of my student loans - which I did not want. I contacted my student load servicer and was informed I most likely was contacted by a third party stating I qualified for a program through the Dept. of Education when they in fact weren't and the funds I submitted were not used towards paying down my student loan dept.
On XX/XX/2018, from Goldman Sach repoted inquiries that I never was applying for, I want you please to remove this inquiry from my XX/XX/XXXX credit report
XXXX XXXX BILLING AND TRANSACTIONAL CONTRADICTIONS : AS NOTED BY CONSENT ORDERS WITH CFPB UNFAIR DECEPTIVE ACTS OR PRACTICES POLICY FILE NO XXXX AND FILE NO XXXX  A XXXX  BALANCE ACCOUNT : XX/XX/XXXX XXXX XXXX STATEMENT XX/XX/XXXX THRU XX/XX/XXXX, BALANCE {$0.00} TRANSACTION ON XX/XX/XXXX XXXX XXXX XXXX CHARGE OFF XX/XX/XXXX XXXX XXXX BRANCH BALANCE INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX, BRANCH XXXX XXXX   BALANCE INQUIRY AT XXXX XXXX BRANCH ACCOUNT NUMBER ENDING XXXX  BALANCE {$0.00} WITH RECEIPT A {$39.00} BALANCE ACCOUNT : XX/XX/XXXX LETTER FROM XXXX XXXX THERE IS A BALANCE DUE PAID CERTIFIED MAIL XX/XX/XXXX, BALANCE WAS XXXX. WE STILL HAVENT RECEIVED PAYMENT FOR YOUR PAST DUE BALANCE OF {$39.00} PLEASE SEND US YOUR PAYMENT AS SOON AS POSSIBLE. FIRST AND ONLY LETTER RECEIVED CONCERNING A BALANCE?

45 DAYS LATER YOU RECEIVE A BILL FOR THE CHARGE OFF AS IT IS NOW A BALANCE ON A CLOSED ACCOUNT. THE ACCOUNT IS CLOSED. XXXX   REOPENS THE ACCOUNT TO ADD OR CREATE A BALANCE AND THEN BILL IT AS DELINQUENT OR NEGATIVE CREDIT REPORTING?

HOW OR WHY WOULD, THAT HAPPEN?

CREDIT REPORTING CONTRADICTIONS : 4 XXXX LETTERS REGARDING XXXX XXXX XXXX  REPORTING AND IT STILL IS NOT REMOVED, HOW LONG DOES IT TAKE FOR XXXX   WHO HAS A BUSINESS RELATIONSHIP WITH EWS   TO SEND A DIGITAL TRANSMISSION TO REMOVE THE REPORTING THAT YOU FURNISHED?

IT DOES NOT TAKE 30 DAYS AND IT DEFINITELY DOES NOT TAKE 7 MONTHS PLUS.

XXXX TAKES ADVERSE ACTION WITHOUT INFORMING THE INDIVIDUAL THAT YOU DID REPORT IT TO EWS AND YOU REPORT INFORMATION THAT YOU CAN NOT VALIDATE? EWS IS SPECIFICALLY FOR FRAUDULENTLY CLOSED ACCOUNTS OR ACCOUNTS CLOSED WITH A BALANCE IN COLLECTIONS ONLY.

XXXX STATES IN YOUR LETTERS WE ASKED EWS TO REMOVE YOUR NEGATIVE ACCOUNT STATUS YOU MAY CONTACT EARLY WARNING SERVICES TO DISCUSS THE REMOVAL OF THE NEGATIVE REPORTING XXXX  STATES IN YOUR LETTERS THERE IS AN ACCOUNT CLOSURE CLOSED REPORTED TO THE EARLY WARNING SERVICES ( EWS ) WE HAVE SENT A REQUEST TO REMOVE THIS STATUS AS WE ARE UNABLE TO VALIDATE THE ACCURACY OF THE REPORTING YOU REPORTED, YOU ASSUME RESPONSIBILITY TO REMOVE IT, YOU ASSUME RESPONSIBILITY TO CONFIRM IT HAS BEEN REMOVED IN WRITING TO THE INDIVIDUAL.

XX/XX/XXXX XXXX  LETTER XX/XX/XXXX XXXX   LETTER XX/XX/XXXX XXXX LETTER XX/XX/XXXX XXXX   LETTER
There are XXXX creditors reporting on my credit reports XXXX, Experian. Target and XXXX XXXX. I disputed these companies as fraudulent since discovering in XXXX or XXXX. Even though these were not my debts they refused to remove. They have had these on my credit reports 9 or 10 years which they should have been removed any ways. But what they the companies keep doing is going in and updating the date opened, which is fraud. They went and said XXXX or XXXX as opened when again, I have been battling this since XXXX or XXXX.
On XX/XX/2018, I reactivated my XXXX service at my new apartment in XXXX over the phone with a customer service rep. This rep did not in any way shape or form tell me there was going to be a hard credit inquiry on my Equifax report. XXXX XXXX, the third party app which I use to monitor my credit, alerted me while I was on hold that a hard inquiry had in fact been made. When I brought this to her attention, she had no idea what I was talking about, and I had to explain to her the difference between a soft inquiry and a hard inquiry. She had no idea that her system was going to do that and had no explanation as to why it happened. All I got from her was a " sorry bout that. '' I was a former XXXX customer of 2 years, and I am equally upset that they feel they can keep my social security number on file like that and just willy-nilly run a hard inquiry without my permission. 

Keep in mind, I had an XXXX credit score prior to this inquiry. My score has since dropped, and I am not happy.
Received a call from US Bank numbers ( XXXX ), ( XXXX ) and ( XXXX ). I was told I qualified for a $ XXXX loan. They proceeded to pay off my XXXX XXXX credit card of {$1200.00} and they claimed it would bring my credit rating up. In turn I was told to then wire transfer XXXX from my credit card and in turn they would deposit the XXXX. That never happened. They soon cancelled the CC payment made to my XXXX XXXX. Today I telephone and was told to pay an extra XXXX. I am now submitting my complaint as I was scammed. 
The following individuals keep calling me from US Bank. 
XXXX XXXX and XXXX XXXX. All XXXX sounding voices and doubt that is their real names. 
XXXX, NY XXXX
This relates to my previous complaint number XXXX, to which the mortgage servicer ( SLS ) responded in pertinent part as follows : " SLS has investigated the matter and determined an error in the submission of funds to XXXX XXXX after disbursement. To ensure correction of the situation, as of XXXX XXXX, XXXX, we have issued a refund to you in the amount of {$140.00}, which includes principal and interest. Refunds to the escrow account in the amount of {$1900.00} and {$1800.00} have also been applied, less any balances in the escrow account. '' The refunds to my escrow account described in the response letter have not been made. I am still out {$1900.00} in property taxes that SLS failed to pay on my behalf as promised under the terms of my mortgage ( apparently due to an unspecified " error in submission of funds to XXXX XXXX after disbursement '' ), and associated penalties. After receiving the response, I spent the better part of a day speaking with various SLS representatives, none of whom was able to describe whether or when the escrow credits would occur and when or how those funds, once credited, would be disbursed to me to replenish the personal funds I depleted to pay the taxes SLS failed to pay on my behalf and associated penalties. At the conclusion of my final call, an SLS representative actually had the audacity to state that the best she could do for me was offer to open a research case, despite the fact that SLS ' response letter specifically indicated that they had already researched the issue ( over the course of a couple of months ) and concluded that credits were due to my escrow account.
I have received a default/foreclosure notice from Ditech Financial for being {$32.00} off in a prior payment. Ditech has not provided any details in the reasons for the change in payment amount and when I called said that I could pay the {$32.00} only if I paid a {$12.00} surcharge.
Received XXXX/XXXX/XXXX a statement of debt claiming to be owed to XXXX for tuition that should have been paid in full at beginning of semester by organization that assisted persons with XXXX. Many correspondences between myself, the organization, and the school in regards to this occurred debt, but the collection agency, security credit systems Inc is very hurtful in their corresponding letters addressing I make payment. The letter for the date mentioned above is phrased in such away that feels abusive and actually made me cry! They are very Distasteful in the way they correspond! Threats to pursue other measures are not OK considering I am still corresponding with the original parties related to this owed money.
We received a notice from Specialized Loan Servicing in XX/XX/XXXX saying our HELOC was approved and we mailed in a signed form agreeing to the new HELOC terms. SLS sent another notice in XX/XX/XXXX, at a higher interest rate, which we signed and mailed in. SLS said the original agreement was not received. The second HELOC SLS said they received it two days late so they were unable to agree to the terms and the loan was due. We subsequently filed for a loan modification under the HARP program. Starting in XX/XX/XXXX we sent in the required documentation only to be told that additional documents were needed. We sent in the required documents only to be told that some were not received. We contacted our account manager and he suggested resending everything. We then faxed, emailed, and mailed all of the same documentation to their address. We made multiple calls to find the status of the loan and recently SLS said all documents were received and it was in review. 
During this same time period we were having payments taken out with automatic monthly withdrawals, paying the interest payment plus a additional {$1000.00}. In XX/XX/XXXX SLS said they were stopping automatic payments per our request. We did not request a stop to the automatic payments. To continue making payments to SLS we used their website to make a payment to our account on XX/XX/XXXX in the amount of {$1100.00} which was accepted by XXXX. The following month we used the payment coupon form provided by SLS which was mailed monthly to us to send a payment to SLS. The payment was rejected and returned saying the loan had reached maturity date and they are unable to cash the check. We were attempting to keep the loan current while the loan modification was being made. Subsequently, SLS has been sending reports to credit agencies that we were delinquent in payments even though we made good faith payments to keep the loan current through the loan modification process. Concurrent with this process we were working with our bank to get a personal loan for {$100000.00} to pay off the loan to SLS in case the loan modification did not go through. Due to SLS making negative reports to the credit agencies the bank did not go through with the loan. We also made a payment to SLS on XX/XX/XXXX for the amount of {$2900.00} to keep the loan current, to date they have not cashed the check or sent any written correspondence.
I have XXXX public records for tax liens that are paid in full and transunion is the only discrepancy compared to my other XXXX reports these were supposed to be removed and have not
On XXXX  XX/XX/2017 I received a letter from a company called National Credit Systems. They are stating that I owe {$2000.00} for a previous apartment I lived in XX/XX/XXXX, XXXX XXXX Apartments. The letter states that they have reported to all credit reporting agencies damaging my credit for these false charges. The statement does not include what these charges are for. I contact them on XX/XX/2017 and speak to a very rude representative who tell me that that these charges are for a month to month fee. This can not be accurate. I lived in the apartments until XX/XX/2017. My lease was over the end of XX/XX/2017. I provided a 60 day notice. Notice was turned in XX/XX/2017. I moved out of XXXX XXXX and did not ask for my security deposit back which they decided to keep. I provided a forwarding address and over a year later I get this bogus letter from this company. The rep with the collection company states that these charges are for XX/XX/2017. I was not there and I would not owe over {$1000.00} for anything. My last rent check was made on XX/XX/XXXX prior to my lease ending the end of XX/XX/XXXX. They rep also stated that she would provide me copies of this information and I could also look at the charges broken out online which was also false. I could not see any break down of what was owed or why. I want to know what is going on and why these is on my credit. It needs to be removed. I contacted XXXX XXXX Apartments and they stated that the do not show any of this information as they are no longer with the management company who managed during that time. I then called the management company, XXXX XXXX XXXX who managed during that time, and when speaking to them they were not sure what these charges were for. I believe this company is using false information to guilt people into paying balances that are not truly theirs. I will take legal action if necessary until theses charges are taken off of my credit report. I need proof of this so-called debt.
I am a victim of identity theft and have personal information listed on my Trans Union credit report that do n't belong to me. The following addresses and employment data do n't belong to me : XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX XXXX
I was attempting to work with OnQFinancial Mortgage - XXXX  #  XXXX  dealing with a Loan Originator by the name of  XXXX   XXXX   , on top o f no return phone calls which I am considering bad customer service but the complaint is the unfair trade practice and bait and switch that happened to me while working with  XXXX   XXXX . He pulled my credit and discovered that I needed to pay down some credit in order to reach a certain score for approval and he provided me the info about  XXXX   XXXX  through   XXXX   XXXX  . All during the conversation about the re-score, he never disclose to me that it is a fee that I would have to pay in order to get the new re-score, so within 8 days, I completed what he sent and call him back for the Re-score. At that time, after the proof of payments paid was sent as he advised, he proceeded to tell me about a charge to have the re-score, taken back and in shock, I asked about what type of fee, He stated, there 's a fee per trade-line update and I had  XXXX  items on  XXXX  credit report. When I questioned the ethics behind paying to re-score because the  XXXX  Credit Bureau do not handle transaction they are a reporting agencies, he advised me that it was " collateral '' to make sure that the consumer ends up closing the deal with him and do n't go with a different lender. When ask for this to be in writing, I was told, " No '' this is for him because to many people has left and closed with a different lender. He stated that the fee can run as low as {$50.00} per trade-line up-to {$100.00} dollars and I had  XXXX  items I had to address on  XXXX  different report, so totaling $  XXXX  {$1000.00} dollars for the   XXXX    XXXX   to go  to the Loan Originator-  XXXX   XXXX   XXXX   . I  spoke with my realtor that referred me to him and advised him of the situation and since then  XXXX   XXXX  has not returned any of my calls.
XXXX Credit card was closed XX/XX/XXXX and there was a delinquent remark on XX/XX/XXXX from both XXXX and Experian.
Toyota motor credit Corp decided to report my account is opened. The account is charged off and closed. I disputed twice with XXXX and it come back verified and updated on XX/XX/XXXXandXX/XX/XXXX, i called several times to Toyota financial, no one can help there is not much information in system, i send a letter on XX/XX/XXXX, no answer. 
The account reported is open and the same time is a charged off ( the car was voluntary surrender on XX/XX/XXXX) -The balance is incorrect ( credit report .show original charge off {$3400.00}, new past due {$3600.00}, how the balance increased since is closed ) -Closed date is missing ( no date in credit report ) - Last payment made is incorrect ( my last payment was on XX/XX/XXXX ).
This debt was undertaken during an incident that occurred due to being XXXX XXXX XXXX XXXX. When the settlement came in, it was for less than expected and it didn't cover all my bills and time off work. 

The hospital refused to recognize my insurance at the time, stating I would have to be personally responsible for the entire amount. 
I tried repeatedly to work with them, attempting to file for Indigent negotiations, and tried to negotiate a settlement that would have made with my settlement. 

They avoided final discussions, entered it into collections and added to my credit report during negotiations ; even after was told repeatedly that they would not do that.
I returned from an international assignment to the USA on XXXX/XXXX/16. I applied for a new credit card with American Express and was approved on XXXX. I received my credit on XXXX. I called and activated my card on that same day - the agent stated I could use the card immediately. On the phone, I had the agent document XXXX very important transactions I needed to make. I then logged into the AMEX portal and tested those transactions in their verification tool - both transactions were approved. On XXXX I drove XXXX miles to complete a car purchase, of which a down payment was XXXX of my important transactions. The transaction was denied and when I called the AMEX customer service agent, they said they could n't help me. The next day I was sent a request to get a form notarized that provided my identify. I have sent that in and continually call into AMEX to get my problem resolved, which is still outstanding. At this point, I have to wonder if AMEX is discriminating against me based on my international background and heritage? This situation has become unfathomable.
I contacted simons agency on XXXX XXXX 2017 after numerous accounts were reposted by this company. after reviewing my bankruptcy filing I noticed that all of the listed accounts were included in my bankruptcy and only the service date was changed to make them appear to have validity. I spoke with XXXX XXXX who told me that I would be jailed if I reported this which is in clear violation of FCRA regulation. XXXX also misquoted FCRA incorrectly and attempted to badger me when he was corrected. XXXX was also advised that since the information was disputed well over 30 days ago and they did not provide documentation within the time allowed under 13 U.S.C and 15 U.S.C. that they must remove the information disputed. he refused and instead lied and stated that they were not required to provide a validation of the debt and could do what they like.
Multiple attempts have been made to remove a fraudulent/misfiled account from my XXXX credit report. The report was successfully removed from XXXX XXXX and XXXX as there is no contract and it was incorrectly filed on my credit statement and has had an adverse effect on my personal and business finances. In XX/XX/2018I mistook the account for one that was closed in good-standing upon military activation and submitted a response stating this. Upon further investigation, I discovered the record was misfiled and did not belong to me. When I applied for a business line of credit, my lender informed me that the account was still negatively impacting my score, resulting in another dispute with a formal letter explaining the mistake. Experian did not look into the error and disregarded my request, otherwise, they would have discovered my military activation and that I could not have been the individual behind the transaction.
I have Account  with PNC bank For Long Time With Good standing Balance, Suddenly They Close my A/C, No given Reason Say we can close any A/C If we want.