WillisBack/dataset-financial-user-claim huggingface dataset:
Here gors the story again, I paid ocwen XXXX off my principal in about XX/XX/XXXX, They post it minus the XXXX to principal witch is my payment, I also was told by some tech to apply an extra XXXX to principal, next day it shows up in escrow, then at that time all my payments are made to principal.They get them self off the hook and reverse everything to P & I but still apply everything to principal and as you know that can put me into a fore closure situation, than i must off gotten them reL XXXX, i GOT out of escrow.Paid by XXXX XXXX IN THREE DAYS & lt ; XXXX and change.Now they are still applying everthing I pay to principal only, I has to get to an ombusmen to get that changed after, this five months of reversal ofl hell.I have XXXX doc on these people, saving you the time.next great one, they add XXXX to escrow, tech says it has something to do with tax, well i have no escrow i guess cause I complain ed conviently they change that to a renibursement which was done well over a week ago and i have not seen my money.They have not reported me to the credit agencies right, they say my due date is the XX/XX/XXXX/my due date is XX/XX/XXXX/th ey had one of thier techslie and say we report that on your grace day, well that is XX/XX/XXXX.my due as it stand s is XXXX/XXXX/2015 unless they change it ( IT says XXXX XXXX ) .here is a list off thier instutial owners, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, very powerful ones, that pull Ocwen 's string as Ocwen pulls mine , I wish you to report this all over the internet and to all that can help, the third party servicing is fine but since they allow, they are all part of this, i can care less what they do to me, maybe instead off these litigation, we can go civil.i do not know if this works, but they are killing peo ple all over the place, i just need someone with the courage to put them in thier place, by the way they con tinue to buy time for they send me a letter and tell me it will be XX/XX/2015.You see what i mean.Remember, i have saved app XXXX SAVE MAILED DOCS FROM THEM, I CAN FAX THEM ALL TO YOU, BUT I AM SURE YOU HAVE LOTS MORE TO DO, TOO BAD A ROTTEN APPLE HAS TO STINK UP THE, REST, SINCERLY, XXXX XXXX, Ps i have proof they post date, they di not even inform me my escrow was to go from XXXX to XXXX, they have broken all the laws!!!!!!!!!! oh afte the ca oversite commitee had them reverse all those payment up to XX/XX/XXXX, they continued to do principal only!!!!!!!!!!!!!!!!, like I said i can fax it all to you!
My information on my TransUnion credit report is not accurate.     It shows that I paid late on my mortgage with  XXXX   XXXX  multiple times.  XXXX   XXXX  was the servicer during that time.  XXXX   XXXX  began servicing the mortgage on  XXXX     2015. Ther e are multiple  30, 60, 90 and  120 day lates on my credit from before  XXXX   XXXX  began servicing my mortgage.     These should not be on my credit. Please verify the date  XXXX   XXXX  became the servicer and if any payments after they began servicing were late.
I have used Navient formerly XXXX XXXX to service all of my private loans. I was forced to take a forbearance because my loans had become delinquent as I was not financially stable to make the payments. This led to years of nonstop phone calls and hardship on my credit, which filtered out into other aspects of my life, ie : high interest rates on car payments, not getting approved for credit cards, etc. I have diligently pushed myself as a single mother of XXXX to rebuild my credit so I can provide a brighter future for myself and my children. I have worked feverishly to make all my payments on time for the past 3 years, however I have only been able to pay towards the interest of these loans. It has only been since XX/XX/2016 that a small fraction of my hard earned money has begun to be put towards the principal of the loans. It is a constant worry and stress on myself and my family thinking of how long it is going to take to repay this debt. Forcing someone to choose between being able to feed their family or make their student loan payment is cruel but sometimes a harsh reality. A little consideration and help can truly go a long way for someone who is struggling and does n't always have the means to make ends meet.
I have tried to contact Experian, XXXX, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. Experian, XXXX, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying Experian, XXXX, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX BANK Acct # : XXXX
I have found fraudulent accounts in my report :  XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX   XXXX  -  XXXX
Navient increased the payments that I ca n't afford. I applied for low income payments. But they refused to approve it. They are selfish. They need to read my pay stubs and hours that I work right now very hard. Please tell Navient to pay off my balance. I wo n't pay. Navient is n't honest.
Citibank instructed the CRAs to delete an open, valid account from my credit report on which I am an authorized user. They did not do so at my request. Nor did they do so at the request of the main accountholder or " responsible person '' -- see attached file. When I called Citi about this in early XX/XX/XXXX, they told me that the account would automatically reappear on my report soon after the current billing cycle ended. I waited a month and it did not reappear. So next, in mid-XX/XX/XXXX, I tried writing to Citi. Citi replied with a refusal to fix its error. I wrote Citi again on XX/XX/XXXX. Today, XX/XX/XXXX, I received a phone call from Citi 's Executive Office ( XXXX ) with another refusal to fix the error. The person with whom I spoke incorrectly believes that the account can not be added again because her office believes that FCRA **prevents** Citi from placing the account back on my report once it has been removed. This is obviously an inaccurate interpretation of 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) : That subsection is designed to prevent reappearance of **inaccurate, unverifiable, and aged-off** accounts. Nobody has disputed that the relevant account remains open and in good standing, or that I remain an authorized user on it. Furthermore, FCRA can indeed be interpreted to **require** that Citi report this account. I have my own credit card account with Citi, opened in XX/XX/XXXX. Citi is reporting that one account, but not this other account for which I am an authorized user. Citi is therefore reporting incomplete information concerning the data it has for me. FCRA does not allow reporting of incomplete information. It states in relevant part : " Duty to correct and update information : A person [ here, Citi as an information furnisher ] who ... has furnished to a consumer reporting agency information that [ it ] determines is not complete ... shall promptly notify the consumer reporting agency of that determination and provide ... any additional information ... necessary to make the information [ it provides ] to the agency complete ... [. It ] shall not thereafter furnish ... information that remains not complete .... '' 15 U.S. Code 1681s-2 ( a ) ( 2 ). Citi knows that it is providing incomplete information for me ( only one of my open accounts with it ), and that it has accurate information -- about the other account -- that is not currently providing. Although Citi can not meet the " promptly '' requirement now because I have been complaining about this since the first half of XX/XX/XXXX, that is no reason for it to refrain from fixing its mistake now.
Over the course of the last 3 days XXXX XXXX XXXX contacted me regarding my Sisters debt. They have called me on 4 different occasions. The first time they called I asked if they had my sister 's telephone number and address, they confirmed that they did. I confirm the address and telephone number with the debt collector at that time. The second time they called they told me that they were unable to reach my sister and asked me if I could contact her and tell her to pay the bill. I told them I will relay a message to my sister, which I did. The third time they called, I picked up the call and ask them to stop harassing me and hung up. The 4th time they called I let it go to voicemail. They left a detailed message regarding information about my sister 's debt. The person that called the fourth time identified herself as XXXX XXXX at XXXX Ext. XXXX. I immediately called back after listening to the message and told them to remove my telephone number from their records and also told them about XXXX XXXX 's elaboration of my sister 's debt on my voicemail. My personal name and number is clearly stated within the voicemail greeting. My sister 's name is XXXX XXXX. My name is XXXX XXXX. My sister lives in XXXX, California and I live in the XXXX Massachusetts area. 

Thank you, XXXX XXXX XXXX, XXXX. 
( XXXX ) XXXX
We rented an apartment at XXXX XXXX XXXX XXXX XXXX that was damaged by the hurricane in 2017. The windows were broken by a tree which we notified the management was hitting our window, months prior. The management failed to repair the window for almost three months resulting in water damage to the wall, laundry room and carpet. Additionally at move in, as documented in the move in inspection, we reported the carpet, walls and cabinetry to be in a state of disorder. These items were never repaired in any semblance. The garbage disposal unit also was in a state of disrepair and leaked water regularly. This was reported many times and did result in damage to the woodwork of the undersink cabinet. 
Upon move out we discussed this with management of the unit and were noted to not be at fault. Months later we began receiving debt collector calls stating a unpaid debt of {$860.00} that was related to these damages that are the property managers fault. We have contacted the manager on eight separate occasions and were promised that this would be addressed. It never has been addressed.
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW is the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Date Open : XX/XX/2017 Balance : XXXX Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX  Date : XX/XX/2017 Company : XXXX XXXX XXXX Date : : XX/XX/2017 Company : XXXX XXXX Date : :XX/XX/2017
I think that this school tried to attack me. 1. I did not qualify for the school. The requirement is a XXXX SAT when I only had a XXXX. 
2. I failed the placement test miserably and got no questions right. 
3. I could not afford first semester and my parents couldnt give me one cent so the school offered to waive some of it so I can start first semester. 
4. The school could not place a hold on the tuition because I had no money to purchase a hold on the tuition so the tuition will not increase each year. 
I think they hurt me by preventing me from city schools or other city assistance. They did not start my first semester in any kind of XXXX level. The school only would give me XXXX XXXX degrees. The school prevented me from increasing my XXXX  levels and did not offer options to gain XXXX skills to reach XXXX levels. The school limited my options towards success forcing me to only pursue XXXX using XXXX XXXX.
I have a a unverified account from Credit Collection Services. I had previously disputed this account. I have never done business with Credit Collection Services. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt Credit Collection Services purport I owe. I request that Credit Collection Services Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Credit Collection Services Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
There is wrong information in my report : > My present address :  XXXX   XXXX   XXXX   XXXX , MI.  XXXX  : please update   XXXX   XXXX   XXXX    XXXX  #  XXXX  : I have paid off this account, please update balance
The Tranunion representative refused to let me dispute a inquires That was made with my authorization Theb.representative state to me that it was a factual statement and its nothing I could do.I explain to him, no its not factual when permission wasnt giving to run my credit.He went on to say two in one day is concerned as one, its not a big impact on my credit score.The inquires thats is questions is, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
I was checking my XXXX XXXX report and noticed hard credit checks for places I've never been. Places states away and I do not understand why they are there? I attached pictures with all that info.
I 'd like to add to your investigation of Wells Fargo scams. They owe me and my wife a months payment and refuse to correct the situation. Since they like to utilize various techniques to sidestep the issue and ignore a court order I 've been keeping a correct record that I can send to whomever your investigative officer may be. I 've been keeping this record since 2008 and send a letter asking them to correct this issue with each mortgage payment, which happens to be made a month in advance, each month. They boldly ignore my request to correct the issue then insult us by sending a letter stating their refusal of our proper request to credit our payment to the account. Bottom-line : They 've absorbed an entire mortgage payment and are avoiding responsibility for the missing money which my bank processed to their account regarding our mortgage.
I had my home appraised from a XXXX management company and the appraiser was XXXX XXXX. 
My home appraised for {$530000.00}. 
I have tried to no avail to make Freedom Mortgage remove the PMI insurance on my home. 
I now have 79 %. LTV so I should not have PMI insurance. 
Please help
Yesterday I applied for a home loan and was turned down because of XXXX negative entries on my Transunion credit report. And I still have not been able to get my FREE annual copy of my Transunion credit report either from Transunion.
To whom it may concern : Experian is reporting inaccurate information on credit report and will not remove the inaccurate information. XXXX ( dispute report number ) date dispute file is XX/XX/2017. Public Record showing bankruptcy filed with US BKPT CT VA XXXX. I contacted the the XXXX XXXX CT VA XXXX for verification of this dept.The court stated they cant verify this debt. Also the amount is showing bankruptcy file for XXXX $ who files bankruptcy owing XXXX $ in debt..No one!! I ask that this public record be deleted from my credit file immediately!! Under the FCRA information on your credit file must be accurate and verifiable from the source. US BKPT CT VA XXXX did not verify this debt to be true and accurate therefore it should be removed. The reporting source is reporting inaccurate information. Please remove this information immediately. Also this reporting violates the CDIA new public record reporting standards effective XXXX XXXX, 2017. Thanks XXXX XXXX
The account with XXXX XXXX XXXX is on all 3 of my credit reports reporting negatively as if I have made late payments? The payments were never late. The account was always in deferment status? I have asked them to show me proof of an actual payment being reported late? They can not because I was not required to make a payment on deferred account. The account is being reported at 90 and 120 days late but never was reported at 30 or 60 days late? I called them today to ask about receiving proof again, they said they no longer have my account and it is being serviced by great lakes? I asked them why are they still reporting this on my credit report? XXXX asked that I give Great Lakes a call but Great Lakes is not reporting me as having a negative student loan on all three credit bureaus with late payments. I want this account removed from all 3 of my credit reports XXXX XXXX XXXX Balance {$62000.00} Account # XXXX ssn # XXXX Dates of delinquency : XX/XX/XXXX and XX/XX/XXXX.

Being reported as late for 3 years.
All I have received or heard from this collector was when a default Judgment was filed on me. I had not receive the judgement summons nor any other contact with this group before hand. Just a copy of the order granting Judgement and default judgement, Certificate of Service, and Notice of Entry of Judgement
A monthly service fee of {$15.00} of XXXX payments and sucked a total of {$42.00} out of my Wells Fargo checking account. This account is a " lame duck '' account and I had at total of {$100.00} in this account as a buffer. I called customer service and they said there 's nothing they can do. Typical and corrupt bank.
Correspondence was sent  to OAC o n  XXXX / XXXX /   2016 inquiring about a {$350.00} medical debt reported to  XXXX ,  XXXX  &  XXXX  . I requested information regarding the medical provider/facility to which I allegedly owe the debt and a detailed breakdown of the fees that I owe.   As of today, I 'm still waiting on a response.   I believe that this debt is not mine and the fact tha t OAC has  never provided any verification of debt, further proves this for me.   FCRA states that I have the right to demand that they provide documentation to verify debt and if they are unable to do, it is illega l for OAC to continu e reporting this debt.
CARTER-YOUNG INC, XXXX XXXX XXXX XXXX, XXXX # XXXX The basis for my dispute was required to notify me prior to, or no later than 30 days after XX/XX/2016 failed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of South Carolina allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) CARTER-YOUNG INC, XXXX XXXX XXXX XXXX, PresidentAccount # XXXX CARTER-YOUNG INC, XXXX XXXX XXXX XXXX, PresidentAccount # XXXX failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve is held liable as well for defamation and in the state of South Carolina a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) citing XXXX v. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX )
Please reference CFPB # XXXX I did not give permission for CoreLogic or XXXX to pull my credit report on XX/XX/XXXX. They had just pulled my credit on XX/XX/XXXX so why would they another Hard Inquire on my credit report. They have made mistake and I would like it removed ASAP. 

I have attached a screen shot of inquiries with dates and the letter sent from CoreLogic state I provided " verbal '' permission to pull my credit 8 days later ... Where does that make sense at? Please all attachments.
XXXX XXXX XXXX with Salmon Law Firm PLLC, on XX/XX/2018 filed a motion to place a lien on my property. 

XXXX XXXX XXXX does not have a judgement against me and has been notified in writing and by phone to cease and desist all collections activities as he has no judgement against me and is threatening to take my home.
I would like a proper, truthful response to my statements, not false claims. Since US Bank has not properly responded, and continues to not respond, I am restating my issue. Please see attached documents and refer to statements therein.
A key point is : The 'VBO ' or 'Virtual Banking Operations ' signature card request that US Bank claimed they asked for and needed was neither asked for nor apparently was needed. My account, which they stated beforehand was open and functioning, only needed my verbal request to actually become active to remove on XXXX/XXXX/2016 ( see my letter ). This is in direct contradiction to their statement that I still needed a signature card on XXXX/XXXX/2016 ( see US Bank 's response letter ).
I have attempted to obtain backup from XXXX and their debt collections agencies to no avail. The only information I have for an account with XXXX shows they owed me money when I closed my account. They have not provided any documention otherwise and continue to harass me for an account I do not believe is mine.
I became dissatisfied with my Gym, XXXX XXXX in XXXX MD, and decided to cancel my membership. Cancellation became an almost impossible task due to a situation at the club in which there was no manager employed there. Finally, I was referred by a club employee with a shrug of the shoulders to ABC financial. ABC financial then proceeded to tell me that only the club manager could cancel the membership. I told them there was no club manager, so what could we do? The representative did not offer a solution. Upon my pressing the issue, the representative promised to stop charging my account in the interim. They did not, however, stop charging my account. They charged a late fee, and starting making incessant robo calls to all the phones they had on my account. I called back and asked about the automated email and call that I received despite my complaint, request to charges stopped, etc. The rep said she did not know anything about the email and call but that it " should n't be happening, my information was noted in the record. '' I have never been connected to the same representative twice in trying to deal with them. They still want to collect a charge for one month fee on behalf of a gym that was itself operating illegally by having no personnel in place for members to cancel. It is maddening.
Collection Agency   XXXX ,  XXXX   XXXX   XXXX  representing themselves as LAW OFFICES representing BARCLAYS BANK DELAWARE. Creditor Claims they could not locate me. I have lived here for 10 years. This bill was paid off in  XXXX   XXXX . The company had previously changed names from  XXXX  to Barclays. I have bank statements showing final payment of {$200.00} in  XXXX  of  XXXX . No other bills were received after that date because the account was closed at my request in  XXXX  of  XXXX .