WillisBack/dataset-financial-user-claim huggingface dataset:
oCWEN LOAN SERVICER IS REPORTING ON MY CREDIT REPORTS TWICE. aS THOUGH I HAVE XXXX ACCOUNTS WITH THEM. XXXX XXXX IS DEFUNCT NOW AND LOAN HAS BEEN SOLD TO XXXX WITH OCWEN BEING THE SERVICER. I CONTACTED CREDIT BUREUA AND OCWEN FOR RELIEF HOWEVER NOTHING HAS BEEN DONE. THIS IS AFFECTING MY CREDIT AND DEBT TO INCOME RATIO.
I received my Experian dispute results ( Report no. XXXX ), and the credit bureau claims it 'verified ' a trade line identified as XXXX # XXXX '. There are a few problems that need to be rectified : 1 ) Method of Verification letter sent to Experian - received on XX/XX/2016. 
2 ) Dispute results issued did not address HOW the credit bureau 'investigated ' the items disputed. 
3 ) XXXX XXXX account disputed via CFPB Complaint No. XXXX and FACTA request received by XXXX XXXX ( XXXX ) on XX/XX/2016. 
4 ) XXXX XXXX ( XXXX ) HAS NOT responded to the FACTA request. Demand was made for the production of the contract for debt I, as consumer, allegedly signed. As XXXX XXXX FAILED TO PRODUCE a contract for debt per the time frame allowed, FCRA mandates deletion of this line item.
Wells Fargo Bank N.A . has falsely reported that my account XXXX ( home mortgage ) shows delinquency. I have a print-out, from them, showing not even one late payment, much less a delinquency. This is hurting my credit. I have never been even one second late with a payment, much less missed a payment or been delinquent in any way.
In 2016, I agreed to a Pay-For-Delete to pay off my credit card. I was told that once I paid it off, I can request for it to be removed my credit report. I have tried several times to have this deleted and they refuse. They just keep updating my credit report with the same information.
XXXX by XXXX in XX/XX/2017. Lost job, currently unemployable. Collection company sends letter every 6 months. Latest collection amount roughly twice original debt owed
In XX/XX/XXXX, NFCU increased our equity loan payments from $XXXX/month to over $3000/month so we attempted twice to work with NFCU's mortgage mitigation division to refinance.  Both attempts were unsuccessful because they kept falsely increasing our income by including travel reimbursements for work within our income. We continued making on-time payments to our first mortgage with XXXX  during this process.In XX/XX/XXXX, NFCU began foreclosure proceedings so we hired an attorney but were unsuccessful in any negotiations.  NFCU has admitted in writing that the HELOC #XXXX was "charged to our reserves on XX/XX/XXXX".  NFCU also admits that they executed a foreclosure on XX/XX/XXXX followed by a XXXX  payoff on XX/XX/XXXX.  We have already received IRS XXXX notices pertaining to this transaction.According to VA Code Ann. § 8.01-228 et seq., the Virginia statute of limitations is five years. Along with the fact that NFCU already exercised a foreclosure by paying off our first mortgage and failing to work with us to refinance, we're requesting that this charge-off loan be removed from our credit report.  Thank you kindly,XXXX XXXX
On XX/XX/XXXX we bought an under counter ice maker at Lowe 's and paid with my Lowe 's credit card ending in XXXX. When we bought this ice maker we were told by the sales person that this ice maker had a 12 months manufacturers warranty on it and this was confirmed on the Lowe's/XXXX paperwork. On XX/XX/XXXX we called Lowe 's to report that this ice maker was not working. Lowe 's stated that we had to call XXXX as this was a warranty issue. We called XXXX and reported this problem. They sent out a repair person from XXXX refrigeration. A person came to repair the refrigerator 3 days later and left stating that they would order a part and would call us 5-10 days later to schedule a repair time. After 10 days I called XXXX because we had not heard from XXXX. XXXX tried to call XXXX and got no answer and gave me the number so I could also call them. I called several times and also called XXXX back XXXX times for them to follow up. I finally called XXXX and got a lady who stated on a call XXXX XXXX that they did not do XXXX XXXX calls. I again called XXXX and reported this. XXXX said that they had no other service people and would report the problem to a manager who would call me back in 3-5 days. No call came so I again called XXXX and they again gave it to the Manager. I wrote a letter to the President of Lowe 's and the President of XXXX. Lowe 's responded with a referral to an executive support team. I have talked to XXXX from Lowe 's several times and he had tried to get help for me from XXXX. Another appointment was set up for XXXX XXXX with XXXX. No repair person showed up. XXXX called on XXXX XXXX to say they would not be coming as they do not repair under counter ice makers. I called XXXX again on XX/XX/XXXX and got told that they would try to set it up with somebody else but I had to call next week, but they felt there were no repair people in the area and I could find somebody myself but they would only pay for the part and the initial service call. This item is under warranty and I should n't have to pay anything. The item and the warranty were sold to me by Lowe 's. This is bait and switch ... sell me a product and a warranty, and then push me away when it breaks. I want my money back and this item gone.
My mortgage company Ocwen Loan Servicing canceled my insurance. I was on a XXXX way call with Ocwen ( XXXX ) and my insurance company, XXXX XXXX XXXX ( XXXX ) in XXXX XXXX. A payment was arranged and Ocwen assured me they were overnight the payment. I did not hear anything more until XXXX of this year. I received a noticed from Ocwen that they were placing force place insurance on my property because I did not have insurance. I called numerous times because I have money in my escrow to cover the insurance. I finally found out Ocwen never sent my payment in XXXX or XXXX. I was never notified by either company that the payment was never paid or received. I also spoke to XXXX, senior underwriter of XXXX XXXX. I explain the situation to them and asked why they did not notify me that it was canceled for non-payment. She was very rude and would not help me at all. I lost my {$250.00} deductible and my renewal discount that I had since XXXX. She wanted to sell me a new policy with a higher rate and higher deductible. I asked why I was never notified and what happened with the payment and she told me XXXX no longer works there. I asked to speak to XXXX XXXX the owner. I spoke to him once and he was suppose to get back to me but he never did. I have called numerous times after but every time I ask for him, they transfer me to XXXX. 

I also have numerous calls to Ocwen. I have spoken to several supervisor regarding this and no one can fix it. As of XXXX XXXX, my insurance will be canceled again if I do n't pay the higher price. I have been paying my mortgage on time for years. I do n't understand how this can happen and how they can just raise my payments ( to cover the escrow shortage due to the more expensive homeowners policy ). This is not a way to do business. I am a hard working XXXX person trying to keep my mortgage current. I should have never lost my insurance and my payment should not have gone up over {$150.00} a month. What are my resources to get this corrected? What are my opinions? Do I have to sue?
The courts are reporting a Bankruptcy with my name. The US Bankruptcy Court told me that they do not report or verify that information to the Credit Bureaus. That information was pulled by a Third Party and they reported it. After disputing it with Trans Union they claimed it was verified by the US Bankruptcy court which is a blatant Lie, therefore this must be deleted from my report immediately.
I do not recognize this collection i was a victim of identity theft its not mines and there are multiple charges
Please review the following This loan is currently inaccessible. 
This is what I get when I try to register to see information concerning my loan.

Fay Servicing brought my loan from XXXX XXXX. I was in a chapter XXXX bankruptcy when it was sold. I have never had access to my loan information. They are still considering my loan in chapter XXXX when I have sent them the discharge papers. Fay servicing say they do not honor that because it do not say termination. I have spoken with the person in charge of my loan but she said she had to take it up with her supervisor, this was 6 weeks ago. My bankruptcy was discharged in XXXX/XXXX/2017. 
Fay Servicing also tried to foreclose while in chapter XXXX without any assistance. 
Something needs to be done about this company.
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) THIS company is reporting on my credit which XXXX XXXX is reporting too both companies trying to collect for the same account & different amounts ... the vehicle was purchase from XXXX XXXX XXXX but was sold to XXXX XXXX  both companies trying to collect two different amounts for the same account I was never sent any documents where I could have attended the auction or sale I was never giving the chance to buy the vehicle back
On about XX/XX/XXXX, I contacted XXXX XXXX to request that an authorized user be added to my account. During the request I was also offered a credit increase, without the need to generate a credit inquiry. Prior to accepting the offer, I confirmed that there was no need to do a credit inquiry ; the representative assured me that an inquiry would not be generated. 

A few weeks later XXXX XXXX sent me a letter, denying an application for an additional card ; the letter suggested that I could re-pursue the matter if I provided a pin to unfreeze my credit report. I the letters because I had no intent to allow them to generate an inquiry on my credit report ( as it would negatively affect my score ). 

Unfortunately a couple of months later, while applying for a home loan, I discovered that XXXX XXXX generated a 'hard ' inquiry without my consent. The inquiry has negatively affected my credit and score. I've contacted XXXX XXXX on several occasions was given misinformation each time. Each contact has been met with negative results. 

I've been an XXXX XXXX customer since XXXX, which I have 2 different accounts ; both accounts have always remained in good standing. Less than a year ago I added an authorized user to one of the accounts, without generating a credit inquiry. 

Additionally, I have credit cards from several other financial companies, i.e. XXXX and XXXX. I also added authorized users to my cards from each of the companies ; neither company sought the need to generate a hard inquiry. 

It is my understanding generating an inquiry on a consumer 's report without their consent, is a violation of the Fair Credit Reporting Act. Hopefully CFPB could contact XXXX XXXX and resolve this matter.
To Whom It May Concern : We are the borrowers on the above-referenced loan. As a result of deteriorating economic conditions due to our XXXX condition, as you maybe aware I m stage XXXX XXXX failure that requires XXXX to remain in life and my wife is XXXX due to XXXX XXXX XXXX called XXXX 's XXXX - an inherited XXXX that causes progressive damage to the XXXX XXXX resulting in symptoms ranging from XXXX XXXX and XXXX   problems to XXXX XXXX ( Please refer to attachment ), weve been forced to dramatically alter our plans to avoid financial catastrophe. Accordingly, we previously requested from Chase bank a loan modification to lower our monthly payments and more accurately reflect the actual value of our home. At that time, well be able to afford payments and will no longer be a homeless parent with 4 minors. Nevertheless we were met with negligence and letter of 30 days notice to foreclose. 

Weve also spoken with several realtors who conducted research to determine the value of our home. Unfortunately, weve confirmed that our mortgage is significantly underwater and amount of the underlying loan is much more than we could ever sell our home for. 

In fact our loan is so far underwater which it will likely be years before it regains its prior value, After evaluating all of our foreclosure alternatives, weve concluded that due and our XXXX and health condition which is a huge burden, the only way to salvage and protect our only residence is through a loan modification. This option allows us to stay in our home for years to come while avoiding the time and expense of a foreclosure lawsuit. 

Based on the underwater status of our mortgage, and our incompetency of affordability and our sever XXXX, reducing the principal amount of our loan is the fairest way to reduce payments. If necessary, we can look at a combination of reducing the principal and adjusting the interest rate or length of the loan to facilitate reduced payments which is our immediate goal and will be highly appreciated. 

As you know, time is of the essence so please contact me as soon as possible to discuss available options and of course let us know if you need any additional information. 
Thanks in advance for your anticipated cooperation. 
I contactcted the bank many times to help with loan modification untill this date no help, please i am asking for help i do not want to be in the street with my chlidrens Sincerely,
I have my taxes escrowed through Mr. Cooper. I received a notice in XX/XX/XXXX that my XXXX School District tax was not paid, which was {$3700.00} but had a late fee added so it {$3800.00}. I called their customer service line and was asked to fax the notice and I did that on XX/XX/XXXX. I also explained that XXXX SD uses a tax collector which is on the notice and they must send the payment there. I made a follow up call to them on XX/XX/XXXX and they informed me that the taxes had been paid and corrected. 

I received another certified letter, dated XX/XX/XXXX, from a debt collection agency called XXXX XXXX XXXX stating that my XXXX School district taxes were not paid. I called Mr. Cooper 's customer service number again on XX/XX/XXXX and was transferred to a supervisor this time. She asked me to email her the notice and said she would handle it and that they would be responsible for the delinquency fee. I explained that the payment must now go to the debt collector, XXXX XXXX XXXX, which is detailed in the certified letter. As of today, XX/XX/XXXX, XXXX XXXX XXXX is stating that they have not been paid yet. Mr. Cooper, however, did deduct a second payment out of my escrow which includes the delinquency fee. When I spoke with the same Supervisor today she stated that they could not see where the money actually went. Their system does not allow them to access that and that I would only get my previous dollars which were deducted from escrow back if they can get the erroneous payment returned to them. They still do not even know where they sent the money. 

I now have two deductions from my escrow account and they can not explain where either dollar amount went. One is for {$3700.00} on XX/XX/XXXX and the other is on XX/XX/XXXX for {$3800.00} and my escrow balance is reading {$0.00}. 

I believe that they should have called all of the tax entities involved with my escrow or requested the documents form me and made sure the appropriate places were paid. Once they received notice of their error, they should have corrected it out of their own pocket and not out of my escrow account. 

I receive another notice, dated XX/XX/XXXX, that my tax to XXXX County was not paid in XXXX. The original amount was XXXX and it is now XXXX due to a late fee. This notice was particularly concerning to me because it states that if the tax is not paid by XX/XX/XXXX they can place my house for an upset sale to collect their money. informed the Customer Service Supervisor of this when I talked with her today. She asked me to email it to her and I just sent it to her.
This is becoming VERY annoying at this point. I have issued fraud alerts, filed police reports, called ove r 25 tim es ( check the records ) and yet and still someone is not only using my information but applying for the same things over and over. Im at work as I type and received an alert from a credit protection company that I was just denied a loan that I clearly did n't apply for. Ive asked ov er 20 tim es for these inquiries to be removed. I did not authorize any of them and im ready to take legal action at this point. Please remove the following accounts with month and dates :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    .    I will not continue to send letters and call and talk to the RUDE reps who are of no help. My next step will be legal action.
This is the second month I 've called WF to discontinue a monthly email for their new Go Far rewards program. There is no option to unsubscribe on the email, I then called the customer service number provided on the email, that customer service could not help me opt out so I was then transferred to Premier help line, they could n't help me then I sent to online banking help line, they could not help me so then they sent me to credit card customer service and then the line disconnected, I then call the credit card customer service directly and had to wait 9 minutes to talk to someone. I finally reached a credit card representative, they too could not help me, I was then transferred to the rewards customer service line. They too could not help me, I was told I could n't opt out receiving this news letter only, my only option is to discontinue receiving all email communications from the bank which is ridiculous because I hold my checking, savings, mortgage, HELOC, XXXX account too. Finally, I was required to re-authenticate every time I was transferred so I had to authenticate myself a total of five times. I thought by law that the email has to provide a way to unsubscribe from communications I do n't want to receive. I went through this exact horrible experience last month, I called on XXXX XXXX and was promised from the last person I spoke to that I would be opted-out.
santander consumers has placed false late payments on credit XXXX from XX/XX/XXXX after having a dispute with rep and continuous asking for good will removal of one true late payment XX/XX/XXXX due to illness after having a shouting match Santander XX/XX/XXXX XX/XX/XXXX added XXXX false late payments to my account and I would like them removed I have provided payment history to credit bureau for removal and still no removal I want this removed from my credit only true late payment would be XX/XX/XXXX when I had XXXX for XXXX and was off work. XX/XX/XXXX was a deferred payment approved by santander and they used that month as a late as well this is unlawful.
On statement XXXX XXXX - XXXX XXXX, 2015 with a balance of {$8500.00} and Total Minimum Payment Due of {$150.00} a payment was made on XXXX XXXX, 2015 in the amount of {$7000.00}. With an outstanding Balance of {$3800.00} at 14.99 % APR and an additional outstanding Balance of {$4700.00} at 5.24 % payment in excess of the Total Minimum Payment Due was not properly applied to balances with higher APRs before balances with lower APRs. 

With this {$7000.00} payment, per Federal Law and per Bank of America written policy I should not have any balance remaining on the 14.99 % APR. 

As of XXXX XXXX, 2015 ( statement XXXX XXXX - XXXX XXXX, 2015 ) there is still an outstanding balance subject to the 14.99 % APR. This is not correct, with a payment of {$7000.00} on XXXX XXXX, 2015 ; the entirety of the outstanding balance at 14.99 % should have been {$0.00}. Instead, Bank of America allocated the excess to the smaller APR of 5.24 %. 

Per the Credit CARD Act of 2009 SEC. 104. APPLICATION OF CARD PAYMENTS. Section 164 of the Truth in Lending Act ( 15 U.S.C. 1666c ) is amended -- ( b ) APPLICATION OF PAYMENTS. -- '' ( 1 ) IN GENERAL. -- Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. " Per Bank of America BankAmericard HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first ( including transactions made after this statement ). Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs.
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap. XXXX XXXX   XXXX, XXXX XXXX, XXXX   XXXX, UNKNOWN XXXX, UNKNOWN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX
I applied for and received a {$500.00} payday loan in XX/XX/XXXX. Although it was for {$500.00}, payment was received from XXXX different lenders for {$250.00} each. Payments were combined into XXXX loan by the lenders and paid in full in XX/XX/XXXX. I started receiving automated phone calls from XXXX stating that I needed to call regarding an important matter in XX/XX/XXXX. I called and spoke to a gentleman at Concord Resolution who claimed that the debt was not paid and that I now owed over {$800.00}, but that he would " cut me a deal and accept {$640.00}. '' I informed him those loans were paid years ago and to stop calling me. He said they would continue calling until I paid them and that if not, they would garnish my wages and sue me. I told him to go ahead and get his lawyers and I 'll get mine - his final words were " see you in court. " I did not hear from them for several months after this incident until last week. The same recorded calls are now being made to my cell phone XXXX times per day and to my WORK phone number, which is internal and unlisted, calling as many as XXXX times per day, even XXXX times in the same minute. I have no idea how they got this number. This is harassment and is absolutely unacceptable. I do not owe any money to these people and if I did, why would it not be reported on my credit? These calls need to stop and someone needs to address their aggressive, threatening collection tactics.
I XXXX XXXX XXXX wrote a check # XXXX to JP Morgan Chase for my mortgage loan - account # XXXX in the amount of XXXX which has been my mortgage payment for several years and mailed the check on XXXX/XXXX/16. JP Morgan Chase withdraw the check from my account in the amount of {$1500.00} on XXXX which resulted in a overdraft fee of {$70.00}. I spoke to XXXX at Chase who reported that the balance of {$240.00} was applied to the principle of the loan. I asked her who authorized chase to withdraw more than the check was written for. XXXX than transferred the call to XXXX in the payment research department at chase who admitted it was JP Morgan Chase mistake and stated the {$240.00} would be refiunded to me in 1-2 days. I did not receive the {$240.00} refund to date. I also informed XXXX I was charged an overdraft fee from my bank XXXX. XXXX told me to fax a copy of my statement with the amount of the overdraft fee to JP Morgan Chase Payment Research Department. I attempted to fax the statement to the Fax # he provided multiple times and the fax did not go through to the # XXXX provided. I called JP Morgan Chase and spoke to XXXX who provided me another # to fax the statement. That number transmitted my statement. Chase withdraw the incorrect amount of the check from my account but it is taking me the consumer more than the 2 days to receive my refund and overdraft back into my account. I called Chase again on XXXX/XXXX/16 and spoke to XXXX and then XXXX to inquiry what happened to my refund. I was told the refund was mailed XXXX/XXXX/16. I also requested a copy of my paper check at which I was placed on hold for XXXX min awaiting them to locate a copy of my paper check. I was told the check was located and a copy will be mailed out.