WillisBack/dataset-financial-user-claim huggingface dataset:
Parties : Ocwen LLC and XXXX XXXX XXXX. 
Jurisdiction : California Issue : Ocwen/XXXX XXXX cancelled my HAMP modification agreement, a program regulated by the U.S. Treasury and HUD that expired in XX/XX/2016. 
************* Background : I applied for a HAMP Loan Modification in XX/XX/2016. 
Ocwen approved my application and sent the HAMP Agreement for signature after I had met the required trial payments. I signed and returned the Agreement to Ocwen in their own postage-paid envelope, completing the HAMP modification process. 

I made 3 additional monthly payments on my modified mortgage. Then in XX/XX/2016 Ocwen cancelled the HAMP Agreement citing bogus reasons that they had not received the signed agreement. I sent them my copy of the signed agreement but Ocwen refused to recognize we had concluded a contractual performance and had a binding agreement. 

Ocwen then refused to apply the 3 mortgage payments to my account that were made post the modification period and suspended those payments into a " Suspense account ''. Ocwen also refused to accept any subsequent mortgage payments and began foreclosure on my property. 

In conclusion : I applied to the HAMP program and Ocwen offered to modify the loan, I accepted the terms of the modification and made the required trial payments timely ; Ocwen accepted and received the trial payments and credited my account. Ocwen sent a written HAMP agreement for my signature and I signed it and returned it in their own envelope as instructed. We had an offer, consideration, acceptance and performance of the terms of the HAMP modification. 

Ocwen sent a letter dated XX/XX/2016 stating that the modification had been " Denied '' the use of this language is inapplicable because the modification had been accepted and fully performed and the event had concluded and therefore it could not be " Denied '' after all the terms had been performed timely and accepted by Ocwen and myself. The letter used the term " Denied '' to communicate that they were CANCELLING the HAMP contract. 

Ocwen continued to misapply language by using term " Denied '' and did not answer the question that their actions may have breached a HAMP contract. The terminology Ocwen uses hides the existence of the binding HAMP Agreement. Ocwen has not corrected this problem and has not stopped foreclosure proceedings on my property ; if they succeed in foreclosing they would by fraud be civil theft as I have more than 50 % of the mortgage is paid on my the home. 

Ocwen and XXXX XXXX have a prior history of these actions ; under the then Attorney General of CA, the Honorable XXXX XXXX, they were suspended from doing business in California. 

Ocwen and XXXX XXXX and XXXXXXXX XXXX XXXX  conduct of wrongdoing has caused me substantial economic harm and put the welfare of my family in jeopardy.
I am unable to afford the payments for MyFedLoans as I do not make enough money to afford it. I have tried to apply for forbearance and deferment and I keep getting the response that I am ineligible. My payments are not feasible to keep my student loans current.
I received a gift card on XX/XX/XXXX at my retirement party but when I went to use it I was not able to use the card as it said there was a card error. I contacted customer service from the bank card : MasterCard/USBank. They wanted me to fax them a copy of my driver 's license and other information. I told them that the card was a gift card and I was uncomfortable with this but after talking with XXXX XXXX, the supervisor ( badge # XXXX ) she said that this was the only way they could help me. 
I went to the local branch office ( XXXX XXXX, CA ) and they were very helpful. XXXX, the assistant Branch Manager. He helped me to get the information I needed. He discovered that the card had been used at a XXXX  in XXXX on XX/XX/2018. I talked to the Dispute Resolutions Department as part of Bank and Risk Operations and faxed them a form that they requested from the Bank Branch on XX/XX/2018. 
On XX/XX/2018 I received a letter from this Dispute resolution department from USBank that was sent from XXXX XXXX XXXX, XXXX, XXXX XXXX dated XX/XX/2018. There was no phone number to call so I called customer service who would not give me a direct number. I was put on hold for almost and hour before someone came back on the line to tell me he had to get a form to call me back in 24 hours. I did not continue the call at this point..
I paid off my student loans from XX/XX/XXXX XX/XX/XXXX. I have a pdf file from the company congratulating me on paying off those loans. I have new loans from this company from XX/XX/XXXX, of which I recently put into forbearance due to a medical issue that occured a month ago. I believe that when they put my new loans into forbearance, something happened in their system, and started charging me late fee for my PAID loans from XX/XX/XXXX, which are now accrued to a total of {$40.00}. They have proceeded to call me 6 times in 24 hours trying to receive payment for this amount. I answered the phone the first time, and let them know their system was incorrect, and the person on the phone was able to see that i was correct and would notate it and inform a supervisor to fix this issue ... however, i have continuted to get calls every 3-4 hours.
Beginning in XXXX this company from an XXXX number began calling my phone asking to whom they were speaking with. The first few times I asked them to verify who they were and type of service company. Each time they have refused to do so. Then I began receiving hang up calls, where they 'd lurk on the phone for a few seconds then hang up. This type of behavior has continued without a verification letter of their business and my involvement. 

Today, XXXX XXXX is the first time I received a name of the company - EOACCA, which according to google is a debt collection agency. Same as before they called, I answered and they hung up. I called back saying I received several hangup calls from them, and asked them to verify who they were and their service. I was told that they needed to verify who I was before continuing. I told him I was n't going to. I asked them to stop placing hangup calls and do not call if they could n't tell me their place and purpose of business. The gentleman said at that point that they are EOACCA. I asked what does that stand for and what is their purpose for calling. He said its not an acronym, and I needed to tell him who I was before continuing. I told him I would n't and asked him again not to call back.
I answered my phone, was asked my name and then read off my address to verify. It is illegal for a company to give out personal information like that, they are required to have my verify the information.
I got an alert today from XXXX guard about a collections account. 
I logged on to XXXX XXXX to get the information. The company name is XXXX for XXXX Illinois. Address PO Box XXXX XXXX XXXX I do not live in XXXX nor did I authorize this account. I have a fraud alert on my report and I have no clue how someone is still able to gain credit in my name with a fraud alert. I want this removed ASAP along with the address attached to it. I included a copy of my ID and my recent pay stub to verify my address
This complaint is against Bank of America in North Carolina. My father died on XXXX/XXXX/16. I am the executor of the estate. The court in NC is requesting the balance in his bank account on the day he died. Sometime in XXXX I called BOA. I was told I could pick that info up at any branch. I told them they closed all the branches in XXXX XXXX, and the closest branch is a half hour away, and could they just mail it to me. They said yes, I should get it in a week. I had not received it after 2 weeks, so I went to the XXXX XXXX branch. I was told I would receive the info within the week. About a week later I received a letter stating " An authorization/instruction letter is required in order to process the request ''. I called the number to see exactly what they wanted. BOA said they must have the request in writing. On XXXX XXXX, 2016 I went to the XXXX branch. The associate there was very helpful.She faxed all the info requested by BOA, including the death certificate and letter of testamentary, which they already have on file. She called the Estate department to make sure they got everything. They did. As of today, XXXX/XXXX/2016, I have received nothing. I can not close the estate without this document from BOA stating the amount in dad 's account on the day of his death. It seams to be the estate department refusing to cooperate. I will appreciate any assistance you can give me in this matter. XXXX XXXX
There was a reported debt on my credit report marked as derigatory from a credit collection agency which came from my previous company XXXX. I have no idea on this debt as I already left the company XXXX 2013. I have all the clearance from XXXX and I dont know of any debts.
I receive a call Capio Partners being disrespectful over the phone. About making comments about my debt when I said I sent you a letter and please do n't call me until you respond to the letter. I found out that 12 days ago they receive this debt from XXXX XXXX without my permission and not responding to the letter of validation on XXXX XXXX, 2016. Plus I mail an request for Validation letter to Capio Partners on XXXX XXXX, 2016.
According to TransUnion the have in Public Records under docket # XXXX stating I file a chapter XXXX in XX/XX/2009. I did not and I am faxing over my police report as proof that my identity was used without my permission.
Hi, My complaint is with coinbase. They closed down my account without giving me any details other than suspicious activity. Ive been emailing them multiple times for the last XXXX months with no resolution. 
Today, I contacted them twice by phone. After about XXXX in hold, I was connected with a rep name XXXX, and then was disconnected when she was looking into my account with a specialist. I immediately called back and after another XXXX, was connect with XXXX. Explained to him that I was just disconnected and then Ive been emailing Coinbase for over XXXX months but have gotten nowhere. I requested to speak with a supervisor and after a few minutes of push backs, he agreed. A few mins later, XXXX got on the phone. I explained to him that I would like some help in regards to why my account is locked due to suspicious activity. His response was, thats above my pay grade. I asked if theres anybody there that could help but he said no. And started to insult me. Coinbase doesnt want your business, you can do business with other XXXX companies! He sounded very hostile and I was schocked and appalled and for a few seconds didnt know how to respond to it. I asked him his last name or employee ID but he refused to give that information. XXXX repeated again, Coinbase doesnt want your business, you can take it elsewhere. Before I could respond, he hung up.
CHEXSYSTEMS IS UNLAWFULLY REPORTING XXXX AS ACCOUNT ABUSE AND XXXX REPORTING OVER DRAFTS. THIS ACCOUNT BELONGS TO PRIMARY ACCOUNT HOLDER.
Quicken Loans XXXX XXXX, 2016 All we did was put in our information, like they asked, to see what deal they could offer us in case we decided to refinance our home. Nothing ever came of it. We did n't even talk to them. This is not applying for a loan. We checked with several companies to see what they had to offer. They should n't ask you to see what we can do for you if that mean messing up your credit score.
I am writing to file a complaint on XXXX XXXX XXXX. I opened a loan account with them on XX/XX/XXXX the loan was for XXXX with a monthly payment of {$190.00}. I started to make payments then I lose my job at the same time I was going through a divorce and was unable to continue to make the payments I spoke with the supervisor over there and informed him of the situation I was in he stated he would do his best to hold off. He asked if there was any kind of payment that could be made I said not really as things were really bad for me. In XX/XX/XXXX XXXX XXXX XXXX Charged off my account for non-payment as I was unable to make the payments.I was hit with a heavy penalty from the Credit bureaus. I was notified by a company about them being the new account holder. At the time I was unable to make any arrangements so I waiting til I was able to. I called the company their name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent up a payment agreement with them of {$100.00} to be taken out of my account monthly on the XXXX of each month. My first payment was to be a little more it was {$250.00} and there after {$100.00}. I made my first payment in XX/XX/XXXX and have made a payment each month. Well on XX/XX/XXXX I get an alert that I was hit with a serious delinquency on my credit reports when I called to check on what it was it was XXXX XXXX XXXX they had changed the status from charged off/ closed/ transferred to OPEN status. Now I haven't had any contact with them, only the XXXX XXXX XXXX XXXX. I was now hit with another huge credit score drop. If my signed agreement is with XXXX XXXX XXXX XXXX how can XXXX come back and change the status to OPEN with the credit bureaus? 
I have now been hit twice by the bureaus and my score has dropped tremendously.
The credit reporting agency Experian has failed to provide me with copies of the documents being used to validate an account on my Credit report with them. The account is with XXXX  XXXX XXXX and they are acting as a debt collector trying to collect this debt with fraudulent documents. I have requested copies of the documents being used by the creditor but Experian has failed to provide me with the copies of the documents. I also want to be provide a copy of the business license 's for the lender listed on the documents being used by the creditor XXXX XXXX XXXX and the Lender being XXXX XXXX XXXX XXXX whereby showing they were licensed in the State of North Carolina in 2002 as a mortgage lender and were licensed to originate and fund a mortgage loan, but I have documents that state the above lender XXXXXXXX XXXX XXXX XXXX XXXX is fictitious and does not exist. XXXX  XXXX XXXX is committing fraud trying to collect this debt since they are not listed on the documents as having funded this debt. Without being provided proof of the above I request that the account with XXXX XXXX XXXX be deleted from my credit report with Experian credit reporting agency.
I leased a XX/XX/2013 XXXX through Ally. At the end of the lease we returned this vehicle in excellent shape ... over XXXX miles below what the contract allowed for. I inspected the windshild myself and it showed where a pebble slightly grazed off the windshield but it did not have a GLASS - XXXX '' issue as Ally 's XXXX party inspector stated. It took the inspector several weeks to go and inspect the car and the condition of the windshield may have changed by the time ( sitting in direct sun or other incidents not under my control XXXX the inspection took place. This is not my fault ... the windshield was ok ( no XXXX '' crack as Ally is stating XXXX when the vehicle was returned. Even the experienced salesman ( XXXX ) that took in the vehicle at the dealership made no note on this. He said they may " ding '' me on the tires if anything. I 'm willing to settle for {$250.00}. Ally wants to charge me {$500.00} which is completely unfair considering the vehicle was returned in excellent shape and XXXX miles under the contract allowable mileage. I have called and spoke to them at least 8 times including a supervisor who was completely unwilling to compromise. Now I 've gotten a letter from Ally with " Notice of intent to report negative credit informaiton ''. I work hard to maintain my excellent credit rating and made all my payment to Ally months before they were due ... I always paid ahead! You would think they would try and work with me for future potential customer business. 

XXXX XXXX, XXXX, TX XXXX XXXX Ally account # XXXX XX/XX/2013 XXXX ATS VIN XXXX
on XX/XX/2018 I was notified that a negative collection account was placed on my credit account by a RPM Receivables Performance Management for {$77.00}, original client XXXX.

I am in the process of closing on a house so this my prevent me from being able to complete the transaction. I contacted XXXX on XX/XX/XXXX who comfirmed that I owed no money to them. I took the chat transcript and sent to RPM, letting them know this debt was not valid and that any further reporting would be with the knowledge it was false. They ignored me and reported me to further agencies.

They now admit this was in error and was paid, but have yet to remove negative marks from my report.
I was charged a {$35.00} overdraft charge when I had expressly asked my bank to never overdraft my account for any reason. Not only that, but I also had made a deposit the night before that would more than cover the small charge that my bank ( Apple bank ) was claiming merited the {$35.00} overdraft charge. 
This overdraft charge seemed unfair, unreasonable, and avaricious. I talked to the phone customer service, who was unhelpful and told me to talk to my local branch, and I then talked to my local branch, who told me they did not have the authority to overturn this charge, when they have in the past. They then asked me to fill out a form to request this charge be overturned. But they seem unhelpful and unwilling to listen to what I have to say and they seem to be more concerned with profiting off of my bank account then in offering legitimate and professional service. 
I 'm contacting your office because I believe you exist for this type of low-level crime that banks get away with consistently and wind up profiting off of these kinds of seemingly innocuous situations to the tune of XXXX of dollars every year. 
Thank you.
Experian is not reporting account # XXXX, which is XXXX XXXX Credit Card. The limit on the card XXXX. This affect my utilization, which affects my credit score ... I request that Experian correct this information ASAP and it 's not showing my history of payments as well. I have attached my credit report from XXXX, which is powered by " Experian. '' Also, I sent a letter into Experian letting them know there are " inquires '' on my profile that are not mine ... They have yet to remove this information. The list is below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have contacted the creditors as well and getting no results, please have these inquiries removed ASAP. This will affect my ability to gain fair credit.
Hard Inquiry on my credit report for something I did not get approved for is stopping me from getting an apartment and other financial needs. This has destroyed my credit history.
I received an unknown bill from Southwest Credit representing XXXX on XXXX XXXX. The bill was for {$62.00}. I have never paid XXXX less than {$90.00} per month and I do have another XXXX account currently. No invoice was received from XXXX. I am of course happy to pay the bill with proper communication and explanation - I paid it to protect my credit. 

Southewst Credit called my parents before I was contacted. According to the XXXX XXXX XXXX Collection Practices Act this is not allowed.
AmSher Collection Services reported to credit bureaus a debt which I never owed. It is for XXXX XXXX, which I still use and am current, and have been current, on my bill, but they say I opened up another account in XXXX of this year and owe over {$400.00}. I have used Century Link since at least 2005 and when we moved over 3 years ago, we paid our balance and signed up for Century Link at our new home ( I am sure they would NOT have given us new service without paying off the old ). I have no idea how to respond to these people. I DO NOT OWE THIS MONEY! These charges are erroneous or fraudulent but either way, they are not ours and need to be removed before more damage is done to our credit! FURTHERMORE, we never once received anything from these people indicating that they thought we owed this money .... the XXXX we heard of it was from our credit report which leads me to think they are bipassing the system as a sneaky way to conduct a fraudulent business.
I was approved for a loan because of doctored documentation Wells Fargo Financial submitted without my knowledge and they will not release the paperwork to me. This loan almost bankrupted me. I had over an XXXX % debt to equity ratio and should not have been given the refinance that caused me to pay XXXX a month vs. XXXX for a mortgage. They gave me cash on hand of over XXXX dollars and did it after the original paperwork was submitted. None of the checks were written to the big credit cards I had which is what they claimed this was for, a debt consolidation. Given the current additional wrong doings of the bank, I am hoping you can help me. Thank you.
Last month while on Synchrony Lowes credit card payment site to pay my bill I noticed a drop down box where payment options were which I had never noticed before. My checking information is present in that area. I clicked on it and saw that there was another checking account below mine that was available to pay my bill with. Problem with that is we do not have a second account. I called and spoke with them and they assured me it had to be mine as they ca n't see my account information. I called my son as he is a XXXX to my husband being the XXXX and found that he has a Lowes card as well. It was his account information on my account. He does n't live at our address nor has he since he had that account. Never has he paid his bill from our computer nor have we from his. After going back and forth and taking a picture of this I deleted his checking account info from mine. Yesterday I got on Synchrony JC Penney credit card payment site to pay my bill. Again I noticed a NEW drop down box. My son 's information is on our account on it as well. He has NEVER had a JC Penney account. I called and was assured it was n't them. It had to be our bank that went into Synchrony 's credit card sites and added their information. Really? I asked for a supervisor, spoke with her, taped the conversation, as did she. She told me she would I.T. look into it after I pressed her. I asked for a return call and she told me I would not be getting one. They do n't do that. Since then I took to social media and several others have had the same problem. This scares me.
I have twice submitted for employment certification for an employer who refuses to acknowledge my time working as a XXXX XXXXr. The first time, I requested it be investigated by CFPB, and the following paragraph was the company 's response : " The XXXX we received from you on XX/XX/2017, and which included several XXXX to prove your employment as qualifying during the time periods you listed, has been processed. Regrettably, we can not fully complete and certify the timeframes you listed. The dates must be in a Month/Day/Year format, with the day being exact or, if this information is unavailable, your closest possible estimate. '' I therefore resubmitted, correcting the Month/Day/Year format, and it was once again denied. This time, the denial letter explained that there was missing information section 4, and that the organization was still operational, and therefore an official must certify. It is true that the organization is operational, however, they have refused to certify. The box I checked includes the terms " refused to certify, '' and therefore I believe that this form was not given adequate consideration before being denied.