WillisBack/dataset-financial-user-claim huggingface dataset:
6 months ago a collection agency named mrs. Bpo reported a XXXX dollar debt to my credit report all 3 bureaus I've never heard of them they never gave me the right to dispute they just put it on my credit. It's not even mine. There's no account number on credit report either. They have no information on the debt at all and are not willing to remove it.
I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have 2 credit card accounts on my Trans Union, XXXX and XXXX credit report that I did n't apply for and is unauthorized and fraudulent. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX
Student loan with Wells Fargo constantly calling me from different numbers to collect since at least XXXX 2015. They also constantly call and harass my cosigner, and now they 've called my boss 's PERSONAL cell number. I do n't know how they even got that number! I called them today and told them to immediately remove my boss 's personal cell number from their call list, to which they say they will comply. If Wells Fargo does n't call my cosigner and I every day, they call at least every other day, sometimes multiple times a day. They also call after XXXX CT. Only number that comes up in reverse lookup is XXXX. Other numbers they 've called from are private and not listed but include : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
My name is XXXX XXXX and Ocwen has been my mortgage servicing company for approximately 10 years under loan # XXXX I am now unemployed as of XX/XX/XXXX, and Ocwen will not grant an unemployment forbearance/ modification since I participated in The HAMP Program 9 years ago. 

A forebearance is necessary in order to stave off foreclosure. This is my primary residence. 

Consequently, I would like to place a complaint against Ocwen. Additionally, every month I receive a bill from them which is extraordinarily high, meaning approximately 5 times the amount of my monthly mortgage payment. 

Kindly advise me of the next steps in this complaint process.
I have already taken care of this debt. And they sold it to This company Red Cedar associates and I get threating phone calls that need to cease and desist.
Credit Collection Service is collecting on a debt for XXXX insurance which was included in a Chapter XXXX Bankruptcy. This entry needs to be removed as it should have never been put on my credit report for collections. Again as stated before this is included in a Chapter XXXX
I spoke to a representative from Equifax regarding negative information from XXXX XXXX retroactively placed on my report for years XXXX and XXXX. This information was placed on my report in XXXX of XXXX almost 4 years later and after 4 years of Equifax reporting no negative information for XXXX XXXX. I was told by an Equifax representative over the phone that on XXXX XXXX, XXXX another update was being done on my file and in a few week after this update the negative reporting for XXXX and XXXX would not show on my report. 
I have requested Equifax to remove this information from my credit report.
When my loan was transferred in XXXX from Green Tree to Ditech, I was told that I was {$20000.00} behind on payments and Ditech refused to take my payment of {$990.00} causing me to default on my loan then later my payment increased to {$1400.00}. But I have proof of payments. I am attaching a few of the most recent payments to this complaint To make my situation worse, I was diagnosed with XXXX. I just finished XXXX in XX/XX/XXXX and I made my last medical payment of {$800.00} recently. 
I am old my health is not so great and the thought of losing my home takes a toll on me. 
I need to know what happened with my payments of {$990.00} that were sent. 
Had my loan not been transferred, I would not be in this mess. 
I have proof that I was not behind since XXXX. I applied for a loan modification in late XXXX of XXXX and I was denied. They state they can't help me because I am more than 6 months behind ( which is clearly their fault ), my hardship has not been resolved and that the P & I payment amount is greater than the pre-modification P & I amount. 
The million dollar question is, " WHERE ARE THE PAYMENTS I MADE TO DITECH? '' I am financially stable because I can work all the overtime I need, WHICH MEANS I HAVE NO HARDSHIP. I sent them all my financial information and yet, what hardship are they referring to? My intention is to may my loan in full and keep my home.
My mortgage lender, Bank of America, issued a trial modification plan for my home, but then they refused to make the modification permanent!! 
Bank of America told us that we qualify for modification and we meet all the requirements, but there is an issue from 4 years ago that has caused a red flag on my file!!! 

They claim that we failed to give them correct tax returns during the previous modification request which was 4 years ago. The fact of the matter is that 4 years ago we applied for modification which was denied. That process was done through a " third party '' that represented us during the modification request 4 years ago. Everything that was requested at that time we provided -- including tax returns -- to that representative who should have forwarded them to Bank of America. If that third party failed to forward the requested items to Bank of America, it was not our fault. 
Furthermore, 3 months ago I sent the tax returns for those missing years to Bank of America. 

Now Bank of America claims that 4 years ago they did not receive the tax returns in a timely manner and this is a sign of a legal tax violation!!! Their excuses are just absolute none sense! I have provided all tax documents for 2014 and I even provided the tax returns that they claim were missing from 4 years ago, even though it has no relevance to my current modification request. Bank of America 's response is very unreasonable and unfair. They claim that I qualify for all requirements of the modification plan but because of some vague and unclear excuses, from a previous 4-year old closed file, they can not finalize my current modification file!!! 
They also refuse to explain the problem clearly and in writing!! 

It is very absurd, unfair, and unreasonable for a lender to deny " permanent '' modification after they approved the trial modification, Based on the status of a 4 year old previous file which was closed a long time ago!!! 
This is very unreasonable and unfair.
I had an acct with XXXX for 14 years and was never late. I became unhappy with their service and switched to XXXX XXXX XXXX. When I changed I was under no contract, I had been month to month for about 18 months and had not signed a new agreement. They called me once to tell me that I was paying to much and they were going to change my plan to make it more cost effective. I specifically said I did not want a new agreement and that I would only do it if it stayed month to month. The CSR said it would not change anything and I let her make the changes she recommended. I really do n't remember what it was something to do with the internet. I did not get any new phones as I did when I renewed my agreement before. I left XXXX some time after that and I was not told anything about any bills and paid my last bill for service. A few months later I received a notice saying I owed them XXXX for termination fees. These are fraudulent charges made by XXXX. I have disputed this four times and it gets removed and than resold to another collection agency later. its now with convergent and it is wrong. They have no signed agreements from me and I never got anything from them. Also I never received any new phones as I did when I renewed my agreement the 7 other times. They are impacting my credit dramatically and its is fraudulent charges and they need to remove them permanently, Also correct mycredit reports immediately
They are credit inquiries showing up on my credit reports that should not be the as they are fraudulent XXXX, XXXX XXXX, XXXX XXXX, XXXX Please remove these at once if they are still one my report as inquiries as they are fraudulent
On XX/XX/2018 I went on XXXX which is Experian to get a free credit report. The service was {$1.00} for 7days free after that if you havent cancelled it would be {$29.00}. Ive been calling since XX/XX/2018 to cancel the service. Ive tried 5 different numbers and you cant speak to a live person to cancel membership. Ive emailed them 6 times and still havent received a response. I called XXXX XXXX to see if they had any suggestions on how to get this matter resolved and they stated I was the 3rd person to call in about the same issue. These are the numbers I have called and email address that Ive used also. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you
First American Payment posted XX/XX/XXXX that i owe {$2100.00} due to an early termantion fee from a leased credit card terminal from XXXX. My employer, XXXX   XXXX for XXXX XXXX XXXX ; Launched an investigation XX/XX/XXXX. 

I was hospitalized in XXXX of XXXX. 

Since the beginning of XXXX, i have cotacted them numerous times via phone to work out a payment plan that the XXXX insists I do. They promised to send via email. Has not sent anything to fwd to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX MD XXXX XXXX XXXX Contact with first american payment was XXXX XXXX XXXX XXXX account # XXXX
I am offered a Modification with very little information other then a Trial Payment of {$2700.00} from SHELLPOINT MORTGAGE SERVICING- The Contact agent will not give me the interest rate or the MORTGAGE AMOUNT- this is the third time and I am not going to pay {$8300.00} to fined out in XXXX to XXXX that a TON of Money is added to back end of the new NOTE-
On my credit report there is an account that is listed as in " open collections ''. The account is held by XXXX, a collection agency, on behalf of XXXX XXXX University and the amount is {$1500.00}. This account has been paid in full since late XXXX 2014 or early XXXX 2014. I paid XXXX directly and they assured me that this account would be accurately reflected 30-90 days after I had paid this account, again this was late XXXX or early XXXX of 2014. I do not feel that this account being shown as in " open collection '' is in anyway appropriate. 

I have attached screen shots of the involved accounts from XXXX XXXX University, as reported from XXXX, that show the account is paid in full. I have also attached a PDF of my entire student loan history from XXXX as well. 

I would be happy to furnish any other information that is deemed needed for the investigation of this complaint.
I have 2 student loan accounts and its showing up as 4 student loan account on my credit report. I have tried to dispute this numerous times but they havent fixed the problem as yet
On XXXX XXXX, XXXX, I attempted to place a Freeze on my Experian Account. I initiated the process on their website, but after an hour of effort, I was informed that I would have to mail in copies of my Official Government ID, a Utility Bill, my Social Security Card, and my identity theft Police Report. I mailed the documents to Experian on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I received a 14 page reply from Experian. The first page told me to send copies of all the materials I had already sent to Experian. It was not until page 4 that the letter stated that the police report I provided was insufficient for one of six possible reasons, the exact insufficiency not identified. I was told that I could have a credit freeze if I was willing to pay {$5.00}. 

I have provided more than enough documentation as to my identity and have also provided a valid Police Report. Experian is being deliberately opaque and unhelpful in order to reduce the number of Credit Freezes approved and, in the alternative, monetizing the process to make up for otherwise lost revenue. Not only is it unfair, it also increases the risk of identity theft by discouraging consumers from freezing their credit files.
On XXXX XXXX, 2015 I sold my condo under a short sale with XXXX and XXXX XXXX XXXX. XXXX reported my sale incorrectly as a foreclosure. I 'm writing you hoping that you 're able to help me get this reported correctly. XXXX reported it as a short sale. Transunion and XXXX are reporting foreclosure and XXXX is reporting short sale XXXX XXXX
I received notice from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (  dated   XXXX   XXXX   XXXX   ), stating that Barclays Bank Delaware had referred my account to them for collection. The letter stated the amount owed and where payments could be made.   I sent out a letter on   XXXX   XXXX   XXXX     ( Certified Return Receipt ) to the Law Firm stating that I was willing to make payments on this account. The letter was received at the  P.O. Box  address provided on   XXXX   XXXX   XXXX     at   XXXX   XXXX  . No contact was ever made to me in reference to the letter that I sent, trying to resolve the debt. I also submitted a settlement offer on the firms website on   XXXX   XXXX   XXXX     and no response was ever provided.  <P/> On Saturday,   XXXX   XXXX   XXXX     I receive a notice in the mail from  XXXX   XXXX   XXXX ,  XXXX  stating that it had come to their attention that a civil suit has been filed against me in  XXXX   XXXX   XXXX . I have not received notice in reference to any of the matters and I have certainly been trying to resolve the situation without having to have a judgment filed against me.  <P/> This law firm does not seem to want to assist those who are willing to take care of their debts, they are automatically trying to sue and garnish wages.
I have a bank account that is not located in my current state, my account had a charge that was over the amount I had in the account, so I instantly transferred funds from square cash. However PNC processed the negative charge prior to the credit, though transactions happened same day. I am not able to physically remedy the situation as there are no branches here, and attempted to fix the problem by transferring funds, but with PNC processing the debit first they applied 3 NSF fees causing me to yet go negative again.
Due to personal financial issues, I have had no choice but to resort to payday/predatory lenders and these high interest rate, last ditch effort loan companies. I borrowed {$700.00} from XXXX XXXX on XX/XX/2018. I have since repaid {$830.00}. My balance remaining is still somewhere around {$700.00} according to a XXXX XXXX employee that I spoke with on XX/XX/2018. On the website, when I try to load my loan agreement, it said " PDF failed to load '' so I am unable to view the terms of my loan. I was unaware that the loan would have such a high return ( paying over {$1500.00} for a {$700.00} loan. ) I am hoping to be able to have this account closed and listed as paid in full without me needing to make anymore payments.
Company : Coinbase In XXXX of XXXX I opened an account with Coinbase to invest in Bitcoin. I invested money with Coinbase over the past 8 months. At the end of XXXX XXXX locked my account ( unable to buy/ sell or close the account ). I got an a e-mail that " I was too young to have a account with them and to contact their support team. I am XXXX XXXX XXXX and born in XXXX. I emailed them and got no response for 5 days. I finally got a e-mail back that said they would look into it and get back with me. No response for the next week. I called their customer support number and after being on hold for over one hour was told that they have given my concern to the support team and they would contacdt me. One more week went by. I called them again last week ( after being on hold for over one hour ) and again told there was nothing they could do and they were behind and they would get back with me. One more week has passed with no contact from coinbase. They have all my money but have locked me out and will not help me solve the problem after 3 weeks of trying to get help.
On XXXX XXXX, 2016 I mailed Experian a dispute for a collection account on my credit file. On XXXX XXXX 2016 I received a letter from the collection agency dated XXXX XXXX, 2016 stating they could not verify the account and that they need more time to verify the alleged debt, On XXXX XXXX, 2016 I received a letter from Experian dated XXXX XXXX 2016 shwing that the collection account continues to remain and my credit report after the processing of my dispute. Experian has violated my rights by falsely verifying a collection account and continuing to list it on my credit report.
Any account with my name on it at XXXX XXXX XXXX XXXX was closed in good standing. Me nor my wife were informed of any debt when the account was closed.
Portfolio Recovery bought a debt from XXXX XXXX for a credit card I could n't pay after Iost my job in XXXX. They bought the debt in XXXX and they contacted me in XXXX and I agreed to pay the full balance of {$480.00}. I told them that I would pay this balance because I did n't want it to be put on my credit report as a collection.A couple months afterwards, I checked my credit report and they put it on my credit report anyway. I have contacted them several times to remove this collection but they will not. I can not understand why they would put it on my credit report in the first place. They were paid in full.
I am writing today hoping you can help me, or at least let me know if there is anything that can be done. I live in New York. I applied online for a loan on Thursday,XX/XX/XXXX, and received an email from " XXXX XXXX '' of " XXXX XXXX XXXX '' stating I was approved. I called the phone number, which is listed as an XXXX TX number ( XXXX ). I spoke to XXXX XXXX and gave him my banking information so that his company could do transfer of a " verification amount '' to my account. I was told not to access my account, as I would invalidate the entire process. XXXX XXXX called me on Friday,XX/XX/XXXX and told me the money was there. He then said I had to return the money back to him via XXXX XXXX and once it was done I 'd be receiving the loan amount of {$2000.00}. When the XXXX XXXX  transactions would n't go through, he had me go to XXXX and purchase {$2300.00} in XXXX gift cards ( 23 cards at {$100.00} each ). After I photographed them and sent the codes to him via email I expressed my unwillingness to continue with the transaction. XXXX XXXX became irate, telling me if I did n't finish the transactions that he would contact my bank to close my account, and would also call the authorities to report that I had stolen the funds from them. On Saturday,XX/XX/XXXX I arrived at my bank at XXXX XXXX. I spoke with a personal client banker, told them I believed I was the victim of a scam. When he logged into my account it was discovered that this person/company put several claims into my bank to reverse several overdraft fees, as well as to reverse a {$3800.00} payment I made to my homeowner 's association onXX/XX/XXXX. The payment cleared and was in my homeowner 's association bank account on XX/XX/XXXX. Chase Bank reversed this payment, without verifying its validity with me via text or email. My Chase account is locked, I have no access to funds, my ATM card is restricted. I have no money. The homeowner 's association is demanding the payment be resent to them in its entirety or they will take legal action against me. Chase Bank and everyone else I am dealing with are treating me as the criminal, not the victim. I 've filed reports with the my local authorities, IRS, FTC, Better Business Bureau, Chase Bank, the " real '' company XXXX XXXX XXXX. No one is willing to help me.
On XX/XX/XXXX, I applied for a vehicle loan and was denied due to information on all 3 credit bureau reports which reflected I owed {$3000.00} to a " XXXX XXXX ''. I immediately contacted the company who indicated this was a student loan. I informed them I never applied or received any funds from a student loan. I filed a report with the Federal Trade Commission. XXXX XXXX then begin reporting the account under : ATG Credit LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX. When I contacted the Company and requested a copy of all documents relative to this debt specifically signed loaned documents, cancelled check stub or related bank account funds were sent to, the agent hung up. This is ID theft. I never applied for or received any funds from XXXXXXXX XXXX or ATG. I did not received my drivers license until XX/XX/XXXX. I would appreciated your assistance.
I have several unauthorized inquires on my credit report and I have never given access to my report to any of these company to pull my credit file in the business or pupose of doing business. I needed to file this report in order to have them removed. The following company are show on more than one of all 3 bureaus XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  I, XXXX XXXX XXXX, XXXX XXXX XXXX.
My existing mortgage companies escrow department was asked by my new lender for a pay off statement, they then froze my account without telling me which allowed my taxes to become delinquent, I was then fined {$170.00} by XXXX XXXX. 
From what Ive been told by people in the industry this is illegal and that they have an obligation to pay the taxes that they have collected from me right up till money is transferred.
Since being notified that there was a new owner of my loan in XXXX of 2018 I have asked for more information from Shellpoint as to correct mailing address and phone number for the new owner of the loan who is XXXX XXXX XXXX XXXX, not individually but soley as Trustee for XXXX XXXX XXXX XXXX XXXX. The only information I was given was a mailing address XXXX XXXX XXXX in XXXX XXXX, California.I sent a letter to that address and it was returned as undeliverable.. I an entitled to have correct infiormation on the new owner which is accurate including a phone number and a contact person. My requests have been ignored and I would like this issue to be resolved.
Good Afternoon, I bank with Wells Fargo and have no protection whatsoever on my checking account. An individual sent me money via XXXX XXXX. The individual went to his bank after sending the money and opened a fraud claim. The individuals bank approved the claim and took {$150.00} from XXXX XXXX, and then XXXX XXXX turned around and withdrew {$150.00} from my account. There was no notice of any kind from Wells Fargo. XXXX XXXX just helped themselves to my account as if it were their account. Where is the protection?? Why can a third party just have unlimited access to my account? That is inappropriate and when filing a dispute, I was told that I would not get my money back. Please note that Wells Fargo does not even investigate!
My identity was stolen as a result of the XXXX data breach of XXXX.  I was able to freeze my credit with XXXX as I assume they have simplified the process due to their negligence, however, I also need to freeze my credit with Experian.  I will not pay any fees associated with this request nor engage in any cumbersome process.  If Experian wishes to bill someone for the service they should bill XXXX
Already submitted XXXX complaint about harassing phone call from Bank of America. I also complained about them hanging annoying notes on my front door, and even specified no one from BofA is allowed on my private property. Last week sometime ( XXXX XXXX, 2015 ) someone form BofA hung another note on my front door, which means they are tresspassing! The next time I catch anyone on my property, I will physically remove them from my property and call the Police. Like I said the last complaint, Im not behind on any loan, and I DO NOT want any type of refinanance ( or other ) BofA has to offer ... PERIOD!