WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, XXXX XXXX XXXX , XXXX, an alleged debt collector, submitted a notice to me that Ocwen Loan Servicing , LLC is a creditor, and they are alleging that I owe them {$120000.00}. We have disputed this fraudulent debt on XX/XX/XXXX because Ocwen Loan Servicing , LLC is committing fraud, submitting fraudulent claims and pretending to be a bank, mortgage lender plus Ocwen Loan Servicing , LLC but acting as a bank, mortgage and finance company. Furthermore, I also requested that XXXX XXXX XXXX, XXXX XXXX The Mississippi State Bar Codes for all their employees in Mississippi because they utilized these same illegal tactics to try to foreclose on my property on XX/XX/XXXX, although they were aware that Ocwen Loan Servicing , LLC or any other entity do not have ownership of my mortgage nor the note. The fraudulent mortgage note was eventually extinguished in my United States XXXX Federal Court Bankruptcy hearing on XX/XX/XXXX which Ocwen Loan Servicing , LLC failed to appear. Allegedly, XXXX XXXX XXXX, XXXX and Ocwen Servicing, LLC, and others are involved and implicating themselves in a housing ponzi scheme plus The RICO act needs to be implemented. This information is also on record at The United State Bankruptcy Court for the XXXX District of Mississippi ( XXXX Divisional Office ).
This has been going on for quite some time and my home of 30 years was foreclosed in  XXXX .   There are so many layers to my problem I do n't know where to begin. Let me start. Around  XXXX  I was convinced to refinance my home. I did so and set up bi-weekly payments. The payments went to about  XXXX  companies ... finally they went  to Countrywide, then  to Bank of America. The payment were automatically withdrawn from my account. Then ... suddenly I received a notice from a debt collection agency ...  XXXX   XXXX   XXXX   XXXX . I did n't know why. My payments were automatically deducted from my account twice a month and from time to time i would add a little extra so I could pay off my mortgage sooner. Well ...  XXXX  took the money from my account ... they just did n't credit the mortgage. There were many phone calls back and forth and eventually  XXXX  convinced me to refinance my mortgage AGAIN. .The problem continued. A rep from   XXXX   told me there were always problems with computers when the companies chang ed ( news t o me ) then I was also informed they were a division of  XXXX ! Eventually  XXXX  changed their name to  XXXX . There is way too much paperwork to cover here but the bottom line is after spending thousands and thousands of dollars on NOTHING I eventually lost my home of 30 years to foreclosure. This did n't ' have to happen. I paid for my home many times over just trying to deal with the debt collection agency. It seems that Bank of America simply robo-signed my mortgage to  XXXX  without reading it. If they had they would see that I had a stellar on time record of payments and a wonderful credit rating. Not any more. Due to this fiasco I lost my home, almost all of my savings  ( inc luding my retirement account ). my good credit, and it is now almost impossible for me to find employment because I am labeled as a deadbeat. I contacted a lawyer who recommended I file for bankru ptcy. ( This h as caused even more problems )
On XXXX XXXX, 2018, I applied for the American Express Gold Delta SkyMiles credit card online via a referral link my friend sent me and got instantly approved. The process was smooth and I clearly remembered I did NOT receive any " pop-ups '' saying I would not be eligible for the welcome offer ( as Amex customer service later claimed I should have seen ) during the process. To confirm I was eligible for the welcome offer, I even went ahead and gave a call to Amex customer service - they confirmed I was on track to receive the bonus miles. 

I have spent far beyond the requirements but did not receive any of the promised rewards. On XX/XX/2018, I contacted Amex asking for why I was not issued the rewards and was told my offer was declined because of " misuse of credit card ''. I escalated the call several times and they were unable to tell me what exactly cause the " misuse '' but keep refusing to issue me the bonus miles after I have met the posted requirements. 

What Amex has done was very deceptive : 1. If they determine a customer would not be eligible for the offer, they should inform the customer before they conduct the credit check and approve the card. The credit card market is very competitive and customers have many choices other than Amex. From a customer 's perspective, what Amex has done is fraud. And it has gained Amex an unfair advantage in the credit card market.

2. What is worse than not informing the customer when they applied is : to tell customers they are eligible when they are trying to meet the requirements and then tell them they are actually NOT eligible AFTER they have met the requirements. I don't know if Amex is doing this on purpose. If they are, it looks 100 % fraud to me.

From the referral link I received from my friend, Amex posted I would receive XXXX Delta SkyMiles after I spent {$3000.00} in the first four months. I have not received any of these mile so far - I have went far beyond the spending requirement.
I was charged {$170.00} for no reason. Five months ago I paid over {$500.00} for their services which yielded nothing for my, or my husband 's, credit scores. I was given no warning of the charges and now I ca n't make a my car payment. I 've left a voicemail and have n't received any word back.
I was advised to contact you all regarding items on my credit that are not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 
XXXX XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX ) XXXX XXXX ( XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Experian XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX XXXX  ( Experian : XXXX ) XXXX XXXX ( Experian : XXXX ) XXXX ( XXXX : XXXX Experian : XXXX XXXX  : XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX XXXX XXXX ). 

Thank you for all your help with this.
IC System has refused to acknowledge my debt validation letter. I mailed it certified on XXXX/XXXX/16. I do not owe this purported debt. I am attaching a debt validation letter and proof that I do not owe this debt. By law they are required to respond to my validation letter. Once they go through the validation processs, they will see that I do not owe this debt.
I HAVE A LOAN WITH  AN UN KNOW  LENDER AND CHASE BANK IS SERVICING THE LOAN, I WOULD LIKE TO KEEP MY HOME THAT IS CURRENTLY IN FORECLOSURE WITH A EXPECTED SALE DATE OF XX/XX/2015 , IAM REQUESTING HELP IN ORDER TO GET CHASE OR WHO EVER IS HOLDING THIS LOAN TO ALLOW ME TO MODIFY THE LOAN TO A MORE AFFORDABLE PAYMENT
Equifax shows a XXXX credit score despite the fact that I have standing credit with XXXX banks and other creditors. I 've contacted my creditors and all said they report to Equifax, when contacted Equifax I was told it was the creditors fault for not reporting. I have excellent credit and no problem with XXXX and XXXX.
I had a credit card with Bank of America. In XX/XX/XXXX I paid the remaining balance of XXXX. I just recived a bill from Bank of America for XXXX with a threat of a XXXX late fee at 29.99 % interest on a XXXX balance shown on the bill I have recived. So in short Bank of America is fraudulently charging me XXXX on a XXXX XXXX balance? 

My full name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX # XXXX Confermation number XXXX CP # : ( XXXX ) XXXX
Experian is reporting two collection agencies trying to collect on a fraudulent debt that is not mine.XXXX XXXX is reporting a debt to Experian for {$790.00}. XXXX  XXXX is also trying to collect on the same fraudulent debt for $ XXXX.The original creditor is XXXX on both accounts.I have asked experian to remove both collects as they are fraudulent and duplicate accounts.Please Help.
Remove all the claims for Bank of American because I worry my life in danger. After filing complaints my headache gets worse and worse, they control all the government law enforcement, I decide to foreclose my   XXXX   houses due to the forbidden me getting into their banking center paying my mortgages and my credit card, I definitely pay my credit card after going to collection company then I can access my account to pay my credit card. All the government police department and cfpb, justice department and insurance support Bank of America forbidding me work for any business and forbidden me access their bank property to pay my mortgages and credit cards. I tried so hard to make it correct the issue, they use two governments torture me worse and worse. I give up complaints of Bank of America I need to survive, please give me a chance to say I am wrong I should not ask justice by regulations. I should quite to be killed by two governments.
  XXXX   XXXX   Sent from my iPhone
I've paid off the debt with the collection agency and was given a letter that they have instructed the credit bureaus to remove the account from my credit profile but Transunion continues to report on the account as open and unpaid.
On Friday, XXXX XXXX, 2015, I submitted a credit application for XXXX credit cards, including the Chase XXXX Preferred card and the Chase XXXX card. I am a long standing customer of Chase Bank and have a previous lending relationship with the company. Upon submission of my applications, Chase Bank declined the Chase XXXX card, but approved the Chase XXXX XXXX XXXX Card. Subsequently, I called the Chase Lending Services phone line and was informed that Chase Bank employs a policy whereby Chase does not approve consumers who have opened XXXX or more credit cards within the past 24 months. However, please note that I was in fact approved for the Chase XXXX XXXX XXXX Card, which would violate the policy stated by the representative. I asked the representative where the policy was advertised during the application process and he advised that it is not disclosed. Furthermore, he said this policy decision is not a reflection of my credit worthiness or existing relationship with the bank. I expressed my concerns that this policy is not advertised during the application process. Chase is running a hard credit inquiry, which affects my credit score. Instead, they could just disclose during the application process that the XXXXcard policy exists and would eliminate a hard credit inquiry.
On XXXX we received a letter from ARS national stating that we owe some money that was n't paid. This is the first documentation we received concerning this issue. When we looked in to it we have never had an account with the credit card company mentioned. We did then pull a credit report and it is showing up on our report. We need to get this removed and our credit repaired. This is not us.
Identity theft fraudulent accounts mid XXXX XXXX XXXX XXXX  keep deleting and adding accounts back on my credit report under my open and closed accounts These account do not belong to me and I didnt no open or apply for any of these accounts The creditor also change is to the XXXX XXXX XXXX and put it back on my credit report XX/XX/XXXXAmount XXXX XX/XX/XXXX Amount XXXX
I n 2006, I  purchased the   XXXX   XXXX   XXXX   in  XXXX  Ohio. This property was wrongfully foreclosed by  BAYVIEW  loans after getting behind in payments. I never received the proper legal documents informing me of my rights.
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX and XXXX   XXXX.
I applied for a loan modification on my student loans before I go into graduate school, I was denied due to serious credit risk, over limit on credit card, and adverse action. I reviewed my credit report and found these 2 Capital One accounts ( which I have never had any association with Capital One bank or credit ).

I filed a police report, once finished the officer gave me the website of the FTC to file a federal report there.
The names of XXXX XXXX XXXX or anything XXXX related are not mine and are of the woman who stole my identity. I have been trying for 2 years to get this corrected. This included several certified letters with social security card, drivers license, police records etc. Also any hard inquiries from XXXX and XX/XX/2016( e.g., XXXX, XXXX XXXX, XXXX etc ) need to be taken off report.
From  XXXX   XXXX  to  XXXX   XXXX , I have tried to reach asset manager at  Bayview Loan Servicing o n several occasions. The most recent occasion was the beginning of  XXXX   XXXX , in which I wanted to know what my new mortgage payment would be in the permanent conversion modification package  Bayview Loan Servicing w as suppose to be sending since  XXXX   XXXX . I had obtained Homeowners insurance from  XXXX  and canceled the lenders forced placed insurance ; however, the lender has failed to cancel their forced placed insurance and notify me what my new payment would be. I left messages for asset manager  XXXX   XXXX  and  XXXX   XXXX . It is important to note the homeowners insurance we signed up for at  XXXX   XXXX  is {$2500.00} lower than the forced placed insurance  Bayview Loan Servicing place d on our account.
I sent a transaction from one wallet to another on the site. Reference code XXXX. 
The transaction sublitted on XXXX/XXXX/XXXX and was stated to be transferred on XXXX/XXXX/XXXX. 
It is now XXXX/XXXX/XXXX and the item is stuck in pending. 
I have done various other transactions with the same parameters and they have cleared fine. 
I have contacted the company through phone call 4 times and email XXXX and have been promised it will be cleared that day with no response or action after that.
They say i owe a debt but I do n't have a contract with this company. When i ask them if they have a bond in texas they hang up. They are in violation with the Hippa law.
XX/XX/XXXX amount  XXXX , I was made a dispute at  XX/XX/XXXX , cause I not recognize that credit card is my plus I never spend a lot money in one time in any credit card, account number XXXX ,   XXXX   XXXX   XXXX   XXXX  .
I keep getting phone calls from a " Trident Asset Management '' debt collection company to payoff a debt or I will be thrown in jail and have all my belongings taken from me. 

Dates of harrassing/threatening phones calls : XX/XX/19 XXXX Central Standard Time , XX/XX/19 XXXX Central Standard Time. I do not know the amount I owe. You are not allowed to pay over the phone or online. 

I am not going to jail. Their contact information : Trident Asst is a  collections company. 

http : //www.tridentasset.com Trident Asset Management XXXX. XXXX XXXX XXXX, GA XXXX Phone : XXXX
Mr. Cooper is illegally trying to inflate the value of my home. At issue is a short sale request that was submitted on XX/XX/19. At the time there was a value dispute from a previous offer that had to be completed before they would review the new offer, which in itself is flawed. However the issue is that Mr.Cooper is supposed to order a new value due to the new offer and the fact that the previous value was completed in XX/XX/XXXX. Lender ordered values are only good for 3 months yet Mr. Cooper is illegally trying to inflate the value by stating their XX/XX/XXXX value is still good. Mr. Cooper very well knows property values have been falling in CA for the past 3 months. They are illegally trying to inflate the value by refusing to do what is legally required and order a new value. This is unacceptable and Mr. Cooper needs stronger oversight. It's a wonder how many other people are being illegally foreclosed on due to Mr. Cooper refusing to update values in falling markets.
I had an account with   XXXX   XXXX  , that was charged off in  XX/XX/XXXX .
JH bought this debt in  XX/XX/XXXX  They are reporting it as  XX/XX/XXXX  I have reported them to the Missouri Atty genl, district atty, and filed a dispute with the credit bureaus they either ignore the complaint, or they say the debt was  XX/XX/XXXX .
This is the only negative on my credit report. They deny that this debt is also out of statute.
I have received several calls to attempt to collect on a XXXX XXXX XXXX and have been subjected to very abusive and adversarial language. On XXXX/XXXX/2015 I received a call from XXXX from XXXX asking me to " man up '' and pay my debt, after I had advised them that I had experience a significant reduction in hours at my job. I work in the XXXX, and with the price of XXXX my income has been reduced by 50 %. After insulting my masculinity for being unable to pay, he called my wife at her place of employment and demanded payment from her. She has nothing to do with this debt, she was not a cardholder and she does not have permission to receive personal calls at work. He verbally abused my wife as well. I am concerned that this company may not be a legitimate company or have the proper authority to collect this debt because I do n't feel like any legitimate company would be that obscene when working with customers.
I applied and was approved for a {$40000.00} vehicle loan and PenFed completely mishandled my account to the point of my suspecting intentional manipulation. Pentagon had my {$40000.00} loan approved for application # XXXX. I corresponded with one of PenFed 's agents on the phone and he informed me that all I needed to do was submit my purchase order via fax and my loan for {$40000.00} would be approved. I thought the extra {$700.00} was odd, but I suspected it had to do with filing fees, etc. It turns out that they denied my loan the next day because the original loan amount was {$40000.00} and I increased the amount by {$700.00}. This was ridiculous for XXXX XXXX XXXX denying my loan for the additional {$700.00} on a total initial loan amount of {$40000.00} is absurd 2. A PENFED AGENT recommended the new loan amount and thus intentionally manipulated the situation into a denial. The other agents-Dylan ID # XXXX and XXXX ID # XXXX were completely incompetent while handling my situation. I now do not have the financing I need to purchase my vehicle and may lose the deposit.
I found XXXX Major Errors on my Experian Credit report which are NOT on my XXXX OR XXXX report in regards the XXXX account beginning with XXXX. They are as follows : Account type being Mortgage Banking the terms were an Installment not Revolving. Experian has this listed as " revolving '', It was NOT and : The Entry for the High payment Balance is listed as " {$0.00} '' this is also incorrect. As an installment mortgage the payment amount was a fixed principle plus variable interest rate with taxes and insurance rolled into the payment amount via escrow. As such it could not have a value of zero ( 0.00 ) dollars. Therefore this tradeline is in error and negatively affecting my credit score unfairly in its inaccuracy.
A CO call us constantly named PLUS FOUR a collection agency here in XXXX XXXX, NV.XXXX county.Calling me and spouse regarding a debt? they do not mentioned the money owed and to whom.They have threatened us with a legal serving on a specific date Thursday XXXX XXXX 2017, or  to call an unknown number with an account #? We never got served ... nor did we called that number. 
The only money we owned is a medical bill due for {$78.00}. 

Please let us know if you could help us. 

Thanks.
I had a complaint with Consumer Finance Protection Bureau about XXXX XXXX XXXX. XXXX XXXX XXXX promised to change to current never late. Experian changed it to current never late, then Experian changed it back. XXXX XXXX XXXX promised to change to current never late with my complaint with Consumer Finance Protection Bureau. This needs to be changed back on my XXXX Credit Report today.
I 've been consolidating all of my credit card debts through  XXXX   XXXX   XXXX  ' for the past 5 year s (  Starting  XXXX   XXXX  ). They have taken  XXXX  active accounts, not in collections, and negotiated settlements on all  XXXX  accounts.  XXXX  accounts have fully been paid off through the program, and the  XXXX  account was cleared for its final payment to  XXXX   XXXX   XXXX   ( Supposed t o clear  XXXX   XXXX  ). At the time of the final payment, the account  (    XXXX    XXXX   XXXX   ),  switched hands to a company called 'Northstar  XXXX . Northstar decided that they did n't want to except this final payment, and instead wanted to renegotiate the entire account. During this time when  XXXX   XXXX   XXXX  was dealing with these demands, the account continued to stay unresolved resulting in continues monthly withdraws out of my person bank account. The withdrawal exceeded my settlement by {$600.00}. I have continuously been calling  XXXX   XXXX   XXXX , for almost a year now, to check the status on the final payment. When finding out there had been no resolution to this account, I then had to call in every month and place a deferral on my account in order for  XXXX  to not take the payment out of my account. After getting no communication on the final payment that was made to  XXXX   XXXX   XXXX , I called in and asked to speak to a superviso r (  XX/XX/XXXX  ).  They transferred me to a man named  XXXX .  XXXX  explained that  Northstar  was committing a federal offense. He said that when he tried to send the final payment to Northstar they never cleared the payment. He said that they were refusing to except the final payment because they wanted to renegotiate the settlement.  XXXX   XXXX   XXXX  expressed that they have never dealt with this kind of situation before.  XXXX   XXXX   XXXX  also filed a complaint through the CFPB but said that they have not heard back from you, and that I should file a complaint as well to get this ball rolling. I have been trying to get this account settled for a year now. During this year, I have not been able to finance anything. As per my agreement with  XXXX   XXXX   XXXX , I am not able to take out any loan until all accounts are closed through them. I need this settled resolved as soon as possible. I will be attaching receipts that include clearance of payment for all of the payments made for the   XXXX     XXXX   XXXX  account. The final payment that I made to clear the account was a triple payment of {$900.00} and will not have a receipt attached due  to NorthStar not  clearing the payment.
CIR XXXX HAS SENT ME A INVOICE REPRESENTING XXXX XXXX FOR XXXX I CONTACTED XXXX, XXXX, XXXX, XXXX NONE OF THESES COMPANIES HAVE ANY KNOWLEDGE OF THIS DEBT
on XX/XX/2012 XXXX XXXX XXXX XXXX a Paid in Full Letter ... After Obtain This Loan From XXXX Who the Government Shut Down ... XXXX XXXX XXXX, Sold the Note to Stewart Title Company who Title the Home For XXXX originally ... As of This Day, after Paying Funds To XXXX & XXXX  XXXX XXXX ... Stewart Title has harrassed my family..by Phone & Mail ... .attempting to Collect the First original loan of {$62000.00} ... It's Painful to myself a XXXX XXXX  ... Single Father of an XXXX yr old ... XXXX XXXX  XXXX claims Stewart Paid Them {$55000.00} ... .I never knew This until many years Later ... .I 'm not trying to just let these folk take my Retirement Family Home ... I need so real HELP Upon Taken out this Loan, I was Charged Fee 's To cover insurance on Errors Made On this Loan ... So ... This title Company Out to have Wrote this Off ... It's No Error Due To Me or my Family For This Issue or Harassment by Phone and Mail ... It's causing me much Heart ache & Lack of Sleep ... .Thinking Their trying to Rob me out of Money already Been Paid out ... .I Was Never Late And Paid As required ... .Where 's the Already Paid out Money?