WillisBack/dataset-financial-user-claim huggingface dataset:
Ocwen has serviced my mortgage for years. My mortgage fell behind and {$5100.00} was owed. I was contacted by Ocwen Financial offering a modification. I was told to pay {$9300.00} no later than XXXX/XXXX/16 then mortgage will be current. The {$9300.00} was paid to Ocwen, via wire transfer, on that date. The funds were returned w/out notice. I called & was told : First, amt was {$300.00} short, then, I 'm not eligible for modification. I told them they offered it to me, then they said : " Ok now pay {$12000.00} by XXXX/XXXX/16 & you 'll be current & your next regular payment will be due XXXX/XXXX/16 ''. Why was n't it made current w/the original payment? All that is owed is {$6400.00} - why do they want {$12000.00}? I ask for agreement in writing, never get it. Amt owed keeps increasing w/no explanation. Filed a written complaint on Ocwen site - no response. All calls are routed to an XXXX call center - never able to speak w/someone that can help. Funds are available in a separate acct. I need help w/this.
Midland Credit Management contacted me at on XXXX/XXXX/2015 at XXXX to collect a debt owed by a XXXX XXXX. I was disconnected XXXX times this XXXX after requesting to speak with a manager or supervisor to address this matter.
I checked my credit report and it says that I have loans out in my name but I do n't have any loans that I am aware of. I believe that I am a victim of identity theft. Furthermore, the report says I have car loans out in my name and school loans as well.
I have consistently disputed my account status with XXXX AND XXXX AND TRANSUNION, but my issue still have n't been revolved. It is showing that I have MISSED XXXX payment and that is incorrect. I just talked to XXXX on XX/XX/2017 at XXXX central time, and he even stated that was not accurate, but there was nothing he can do. I do n't think that is fair to me because, it is affecting my credit score.
I am filing a dispute because I can not add to my previous dispute. I sent in all documentation for loan mod. I was then requested to send in additional documentation with letter received on XXXX/XXXX/XXXX. I faxed on XXXX/XXXX/XXXX and did not receive any response that it had been received. I also called and left 2 voicemails for SPOC on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX stating I sent over documentation. I then refaxed on XXXX/XXXX/XXXX and I also sent overnight via XXXX to atten XXXX XXXX on XXXX/XXXX/XXXX. It was signed for the next morning. Yet on a letter dating XXXX/XXXX/XXXX from BSI/XXXX XXXX which was received XXXX/XXXX/XXXX It stated that they did not receive the XXXX documents requested. This is obviously untrue and I am attaching all documents proving that with the tracking info and fax confirmations. Again this is violating the laws of dual tracking in California. I have also requested numerous times by email, voicemails, faxes and mail to have XXXX set up a time for phone conversation because voicemail is all that I get. I have kept records and recorded all messages I have left with dates. Per lawyers request as well. I am tired of getting the run around on this. I have disputed random charges of XXXX they are claiming and the total amount that is due. Because between XXXX to them all I wanted and requested was to modify so I can make monthly payments or reasonable repayment plan. I can make payments my finances prove that but due to XXXX never contacting me after XXXX QWR ; s or sending me any monthly bill nothing has been done. I will not accept over charges but will pay my monthly bill. BSI took over the loan and that also means that the responsibility of correcting statements when I prove what is owed. I am also including all of the emails to set up online access and customer service that has never received a response since XX/XX/XXXX. I am also including the only monthly statement I have received from BSI which has no information on it. These are all proof of violations that I have copies of. The XXXX subsequent words ) was ignored because we limit queries to XXXX words. 

















Did you mean : Some common violations of the XXXX include : ( a ) dual tracking, XXXX b ) robo signing, ( c XXXX failure to acknowledge receipt of loan modification documents within 5 days, and ( d ) failure to appoint a single point of contact for loss mitigation efforts. In our opinion, these are all " material '' violations I can make monthly payments and I am not asking to modify to pay less than my monthly payment. I do not agree with total BSI states is in arrears and have mailed in writing that fact. I want the arrears to be modified or put into a reasonable repayment plan. House is still underwater 9 years later and I have kept it going entire time and do not plan on leaving house. There have been XXXX houses same model not selling in over a year either in neighborhood.
I 've had a morgage for about 16 years, never late until recession when I lost my job. I paid two months behind for about a year, then caught it up and have never been late since. I did have to bankrupt in the recession, but I reaffirmed on my mortgage. Mortgage started with Countrywide, then went to Bank of America, then XXXX XXXX, then XXXX, and now XXXX. At some point, was reported by Bank of America that mortgage was included in bankruptcy when it was n't. I submitted documentation at that time showing it was reaffirmed from my lawyer both to Bank of America and credit bureaus. Bank of America discovered they had my social security number wrong by one number, and it was THEIR error, but they said they could not straighten out my credit report, they refused, and then when I disputed with credit bureau, they REMOVED my mortgage account all together and say they can do nothing else. XXXX, who now services my account, assured me they would report, but now Bank of America account is back on there as being included in bankruptcy, then XXXX is listed separately under adverse accounts, says was included in bankruptcy, and that account was CLOSED and included in bankruptcy in XXXX of XXXX. My bankruptcy was in XXXX. I have launched disputes online again, but XXXX credit bureau would n't let me dispute anything about Bank of America again. I do n't have the money for an attorney, and I have suffered all these years when my credit should be much further along in being repaired. I have been turned down and given higher rates due to this. It always says " lack of real estate loan '' and such. I feel like there is nothing I can do now.
To Whom It May Concern : I have made several attempts to get the inaccurate information that is reporting on my credit report removed. I have provided the company and the bureau with all the information they requested. I have not heard from either party. I would appreciate if your company can help me because I truly feel like my rights has been violated by both companies. They are reporting lates on my credit file and that is totally untrue. I have never been late with this company. Please help me correct this matter because it is causing havoc on my life.
my credit report is freezing i did ask XXXX located at XXXX XXXX, XXXX, ga XXXX but this agency charge my credit card and not unlock my credit. 
please help me to lift a freeze on my credit thank you
In rebuilding my credit, I 've opened  XXXX  accounts w ith Capital One and  have never missed or had a late payment.     For reasons unbeknownst to m e, Capital One r estricted my last open account without disclosing any information why on a Saturday in  XXXX . My card was simply unusable.     Upon callin g Capital One, the c ustomer service rep informed me that s/he was unable to help as it was a weekend and that I would have to wait until Monday to speak with the fraud department. After waiting through the weekend, I called on Monday to the fraud department. They informed me that there was an " internal investigation '' and my account would be on hold for up to 30 days. When asked why, they said there was no further information they could give me and were unable or unwilling to escalate my call to a manager.     I called almost weekly as I still had not received any information from  Capital One.  On  XXXX   XXXX , after receiving a call fro m Capital One ( the *first* contact from them on their end ) w here the fraud representative said she still did not understand what was going on with my account and she 'd update me in a week, I went online to check my account.      Capital One ha d closed my account on  XXXX   XXXX  and, again, never informed me, or even informed their fraud department, as the individual that called me still said that she was unable to see any information on the account.     I called in again and would n't get off the phone until they transferred me to a supervisor, even though the rep advised me that " they wo n't be happy that I 'm transferring you. '' After being put on hold, the supervisor said that due to an internal error they closed my account, having nothing to do with me, my payment history, or my credit, and that the decision was final and I should be receiving a paper notice in the mail within the next week.     To be clear : no matter if you make your payments consistently and on time, never ONCE have a late payment, and have more than one account with them ( I also have a car loan and other credit accounts -- ALL in good standing and not one ever having a late payment ) Capital One can and will just close your account, never inform you, and then, after 45 days of no contact or explanation, state that the agreement you sign says they can close your account for any reason.     This is unconscionable behavior for any company, let alone a company with the power to control and rate, your credit. Beyond disappointed in ho w Capital One treats  their customers.
There are credit enquiries that are unknown to me. I never authorize anyone to use or run my credit. 








XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX  Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX   XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX   Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX   XXXX XXXX XXXX XXXX   Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX TXXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX   XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and XXXX XXXX XXXX  Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX Type Employment Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX DE XXXX
on XX/XX/2018 I called to settle my account for less than the full balance, I wanted my credit report to that I settled for less but no balance was owed as a result. 

I was given a settlement offer of {$73.00}. I paid it, waited ten days. I updated my credit report and my credit report indicates that i still owe {$40.00}. there are no remarks of a settlement being made, on my credit report. it still shows that the account is active. 

in the mail i got a payment letter, that simply indicates they collected {$73.00} with no verbiage of any kind indicating a settlement had been reached. 

I was clearly mislead, into thinking I was getting a " settlement for less than the full balance '' and that i would owe XXXX  as a result of such settlement.
On XX/XX/2018 I applied for a credit card with XXXX XXXX XXXX. The next day they contacted me and asked me to lift the security freeze on my account. I never placed a freeze on my account and this has happened numerous times in the past.
I called the Macy 's Credit card department on XXXX/XXXX/2015 because I could n't get online. I 've been a customer for several years and have never had an issue. I spoke to someone named XXXX regarding my balance, applied payments and finance charges. When I asked XXXX for my rate, she said " it 's like 25 % ''. I stated to her that she was not allowed to paraphrase a rate to me, that she had to quote it exactly, and after I asked XXXX times, she still would n't quote it to me exactly. I asked to speak to a supervisor. I was told that my online access would be fixed. I was told over the phone, because after a week and a half I still do n't have access to my account or my statements, that my finance charge had increased over {$10.00} in XXXX statement period ( from {$43.00} to {$54.00} ) with my balance having only changed by {$74.00} dollars. The supervisor waived interest charges for two months, but also refused to quote me the finance charge formula they use to calculate the interest. I 'm incredibly skeptical of Citibank , N.A . XXXX at this point, because their employees are unlawfully refusing to quote exact rates that are being charged on my account, they refuse to provide the formula for interest calculation, and at this point still have n't provided me with access so that I can review my account history and how my payments are being applied. I feel like by limiting my access i 'm falling into predatory lending schemes, and i 'm outright being lied to by the service reps on the phone. I still do n't know how much money i 've lost in payments since i ca n't access my account. All I know is that i 'm not making purchases, and my finance charge is increasing, without my rate increasing and i have no paper trail to prove anything.
This negative remark keep popping up on my credit a nd no recollection of this account and I have no contract with any third party because this account does not belong to me.
In XXXX of this summer I changed my accounts at my local bank that was where I had my auto deduction made for my student loans. Since the account took awhile to close it seemed to close on the day my loan was to be paid. I contacted XXXX to ask if I should make a payment or see if it went thru and to make sure it would not mess up my student loan forgiveness or anything else. The customer service rep said it would not be an issue and they would send me a letter if the payment did not go thru and I could make it then. The payment did not go thru but since I receive the letter I was able to make the payment for the 15 day window on the loan forgiveness. The Rep failed to tell me  however that I only had a 6 day window on my interest rate incentive and that I would lose it. I could of made a payment that day! If they had provided me the correct information on my loan amounts I would be gaining .25 % less interest!. I have a sizable loan so that is adding up to a significant amount of money, I have contacted XXXX multiple times on this, but they just tell me I am out of luck. This is not my fault I offered to make the payment the rep told me not too!
XXXX XXXX XXXX a collection agency trying to collect a debt for XXXX who I had filed chapter XXXX bankruptcy on in XXXX 2014, that debt was XXXX on XXXX 2014. Both company knowingly it was XXXX and can not be collected but still trying to do so. XXXX XXXX XXXX illegally reported incorrect information on my credit report and damaged it. They have violated chapter XXXX XXXX bankruptcy code. They need to remove the collection off my credit report immediately. Thank you
My mortgage with XXXX XXXX called for a monthly payment of XXXX. The mortgage moved from XXXX to Litton Loan. Medical issues prompted me to XXXX. Those additional medical costs, plus the failure of my wife 's business, caused me to fall behind in payments. Repeated requests for a loan modification were futile. Litton representatives offered new monthly payments that were higher than the {$2100.00} that I was failing to meet, and I fell into foreclosure. The mortgage at some point shifted from Litton to Ocwen, my financial situation remained unchanged, and I tried, without success, to obtain a loan modification. No i 'm trying to enter into mediation to resolve the problem.
I am a mortgage customer with XXXX XXXX XXXX. I paid my payment on XX/XX/XXXX, but it was reported lat to the credit bureau. I received a letter from XXXX and Signed Verification of Mortgage that it was corrected and that payment was made on-time. Then I filed a dispute with Equifax. They did not correct the issue and said XXXX had to. I called XXXX and they said that they sent an updated payment history. The next week I received notice from Equifax that the investigation was compete. It was not changed. The week of XX/XX/XXXX, I filed another dispute with Equifax to correct the issue. at that time they closed the investigation, did not make a change to the credit history, however, they then reported a second late payment on the account. I called to discuss my case, and they told me to fax a copy of the payment history from XXXX XXXX Loans. I sent that signed report and payment history during the week of XX/XX/XXXX. On Sat, XXXX I received an email that the investigation was complete. I then received a notice that my credit report changed on XX/XX/XXXX. They reported that they received from caliber was on XX/XX/XXXX. -which reported my last payment made in XX/XX/XXXX. They are now accounting XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as late payments. i then called Equifax to speak weith somneone in the dispute department. They told me that they only report what they receive from Equifax and not from me. I spoke with XXXX id # XXXX in the Escalation Department who  refused to allow me to speak to her supervisor, but said she would only transfer me to another supervisor in her department. I then spoke with XXXX id # XXXX who also refused to transfer me and terminated the call. 

I paid my XXXX Payment XX/XX/XXXX and XXXX and XXXX Payments XX/XX/XXXX.
I have disputed this entry with Transunion on multiple occasions. The creditor *XXXX ) are refusing to provide me proof of validation in violation of : TITLE VIII - DEBT COLLECTION PRACTICES [ Fair Debt Collection Practices Act ] 803. Definitions [ 15 USC 1692a ] As used in this title -- ( 4 ) The term " creditor '' means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 

The amount is {$97.00} and I have asked for 2 years for them to provide proof that I have owed it. I submitted that proof to Transunion dated XXXX/XXXX/15 and Transunion acknowledged the receipt. It is still not removed and it is affecting my credit and employment.
X/XX/2017 My husband and I requested our credit reports and to have our credit blocked due to the Equifax breach. XXXX completed everything for us online including confirmation of our credit block. Online and phone options were unavailable for Equifax and XXXX so we sent signed letters with ss and dl copies via mail per their requirements. We both received our credit reports on X/XX/2017 but no confirmation of the block the letter was like they were trying to talk us out of blocking our credit.
Today I pulled my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I have never done business with this company nor have I entered into any contractual agreement with them stating that I would pay them for any services or goods
I tried to consolidate my loan into my home loan when purchasing my first house XX/XX/XXXX. Navient told me that unless I was getting an FHA loan to cut them a cash check with no 3rd party that they could not accept the money. I just wanted out of the interest rate nightmare we are all facing. Its going on 13 year now of paying off this loan and it still haunts my life even though I 've paid over the amount of the principle. I would like to save for my sons education however I am left trying to pay for a degree I earned XX/XX/XXXX. They call you to make sure you can make your upcoming payments. I also found this is a strange practice. 
I used to go over into the grace period when I was first eligible for repayment, I was XXXX and making XXXX a month with {$650.00} rent and {$190.00} car payment they still would not let me consolidate until many years later. It was basically a 3rd of my liveable income for a few years ( at the time it was XXXX XXXX ). I would get calls about when I was planning to make my payment every month multiple times and tried to talk to them about consoldation or hardship deferment and the representative would either hang up or tell me I was not eligable. None of it made sense. Literally years of run around to where you just throw up your hands and pay them as best you can.
I am a victim of identity theft. There was a fraudulent XXXX account opened in my name. The debt is currently reporting on my credit report by a collection agency called Diversified Consultants. I have provided documents to both companies proving that I am a victim. I have been trying to get the Diversified Consultants collection account removed from my credit report for the past 3 months.
Situation Outline : I n 2016  we had a water leak in our home that turned into flood. The water did significant damaged and was only noticed when mold started appearing on the ground floor.     No doubt you are aware of the mold problems California has, this was further complicated by of partners   XXXX   XXXX       We immediate moved to remediate the problem and engaged our insurance company to make a claim against our home owners policy.     The insurance company assessed the damage, we completed the remediation and repaired, and the insurance company paid the claim via cheque.     Unfortunately the insurance company insisted that the cheque for the claim be made payable to my partner and I, and our mortgage company.     We contacted the mortgage company explained what had happen, outline the insurance claim and explained we had a cheque in hand that they needed to endorse so we could cash the cheque and cover the cost of the repairs.     The mortgage company insisted that we endorse the cheque and mail to them for deposit. They provided a documented process that explained that they would help us managed the remediation and they would distribute the money via payments to any contractors that worked on our home.     We explain to the mortgage company that we had expedited the remediation and repairs and they were complete because : - Dangerous nature of the damage - Water and Mold - Expert advice from flood remediation experts that Time is of the essence to avoid further damage or complete destruction of the home - Potential increased cost due to further damage and detrition of the home - Need to make the home habitable to minimize alternative accommodation costs - Need to reduce any health risks my partner We have reported all of this to the mortgage company and started asking for a completion inspection as per their documented process they provided to us with.     We have received no communication or contact from the mortgage company or their agent to complete an inspection. We have written to them dozens of time to try and get them to engage.We are carrying a {$25000.00} balance on a credit card for the repairs and remediation that they have the insurance claim cheque to cover. The interest is over {$500.00} per month.     We desperately need help with these folks and the name of an attorney we can engage to recover our mounting costs.