WillisBack/dataset-financial-user-claim huggingface dataset:
Ocwen Loan Servicing falsely reported to the credit bureaus that I had overdue/delinquent amount of mortgage with them and that my account is 120 days passed due. They indicated that the account was opened with them on XXXX/XXXX/2004. I never had a mortgage with Ocwen Loan. I do n't even know where they came from. 
My mortgage was with XXXX XXXX XXXX Ocwen Loan Servicing copied the same information from XXXX and duplicated the information on my credit report. This reporting by Ocwen Loan caused financial injury on me and I was denied a XXXX Plus Loan because my credit went down by more than XXXX points.
TJX Credit is continually calling me regarding a credit card balance that is paid up to date. It is NOT past due. I told them this and told them to stop calling. They continue. The Caller ID says XXXX. They will call every day for a week. Wait a while and repeat. This despite the fact NOTHING IS PAST DUE AND THEY HAVE BEEN TOLD TO STOP CALLING.
On  XX/XX/2017   , I disputed the unauthorized inquires on my credit report as fraudulent and unauthorized. Within  24  hours, I received a reply from  XXXX  stating that the inquires are accurate and a factual record of the files accessed. However, they did not complete any investigation to verify the inquires. I have had my identity stolen 3 times within the year and these inquires are not mine. I would also like to mention, that none of these inquires are tied to a positive or negative accounts on my credit report. I have attempted to contact all the companies to have the inquiries removed and all the companies referred me back to the credit bureau as they have no active accounts tied to me name.  <P/> I have requested that the following inquires be removed :  XXXX   XXXX   XXXX   XXXX  An Inquiry that is tied to no name at all  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
i had an account with bank of america. I realized my debit card had been stolen by someone I knew, and apparently had been used to buy and send money orders as well as other things. When I reported this to Bank of America as soon as i realized what was going on they refused to give me back the money that had been in my account before the fraudulent activity as well as asserted that i was fully responsible for the charges on the account though I had no knowledge that was going to happen. I filed a report with them stating that I was not involved and was trying to file a claim for fraud however they never initiated anything even after multiple contacts with them. I am not able to open a new checking or savings account anywhere not even through second chance banking opportunities as this is listed as fraudulent activity on my part. I 've been trying to resolve this issue for a few years and need to be able to open accounts as I do not feel i should be made to pay fees for something I did not do.
I noticed that the bank took money out of one of my accounts to pay abillthe problem they took it out. Of the wrong account, which caused an overdraft and then they charged my {$34.00} as a fee. I immediately contacted the bank and was told they could not transfer the money even though they made a mistake. I am demanding that Chase fix THEIR mistake.
WORLD OMNI Fhas an account on my credit report with XXXX  and XXXX  that is not mine. 
opened on XX/XX/2017
As of XX/XX/2017 all student loan debt was paid off with a zero balance remaining. After working to get delinquencies removed I was advised to print of a loan summary detail by a representative from Fed XXXX XXXX. This report provided online gave a detailed descriptions reflecting XXXX days delinquent and a zero balance on ALL accounts. This report was then submitted to all three credit bureaus resulting in them removing all but XXXX XXXX XXXX of the XXXX agencies. The information provided allowed them to removed the majority except one. The loan summary detailed report provided all accounts I had through Fed Loan.
XXXX is reporting to all credit reporting agencies that I was 90 days delinquent in paying my student loans in XX/XX/XXXX and XX/XX/XXXX. I reported this problem to Navient via formal letter on XX/XX/XXXX and asked that they please review this information as it was incorrect. Payment arrangements were made using the only account number ( Account XXXX ) that I have with XXXX. This account number is the only account number that XXXX has issued for both my Federal and Private loans. Payments in the amount of {$620.00} were agreed upon and directed debited from my account beginning XXXX/XXXX/XXXX through XX/XX/XXXX on the XXXX of each month. XXXX is now stating that they only allocated funds to my private loans and my federal loans were placed in forbearance as requested by text message, however they were 90 days late before the forbearance was activated. I did respond " yes '' to text messages asking if I wanted a forbearance, however I thought that it was necessary as I had agreed on the payment plan with the Navient representative in XX/XX/XXXX. XXXX responded to my written complaint stating that they performed their investigation and find that I was delinquent on both my Federal and Private loans so therefore they will not remove the delinquency from my credit report. I only have one account number and am unable to allocate how they apply the payments that I make. I asked the Navient representative several time during my conversation with him in XX/XX/XXXX that the payment arrangements he was making would cover ALL loans and he confirmed several times that he was including ALL loans. Please see the attached documentation from the XXXX website that shows the allocation of payments and the single account number issued by XXXX.
On XX/XX/2018 they contacted my former employer where I have not worked in over a year and they keep calling them even after they tell them I no longer work there.
I have already written to this company about a year ago asking that they cease from contacting me about an alleged debt for medical that took place in 1998. I was only XXXX and not responsible for my own health care at the time therefore this ca n't belong to me. Also, I do n't understand why they are attempting to collect from me again when I sent in written request for proof and verification that this account belonged to me. I did n't receive anything and now I am receiving another letter.
On or about XX/XX/XXXX, I made the decision to port my three mobile telephone line from XXXX to XXXX wireless. I informed XXXX that day because I had a previous balance that was due. The XXXX representative informed me that the previous balance and the current balance would be adjusted once the old devices were returned to XXXX. I was also instructed that it would take approximately two weeks to get the package and posting documents to send the devices back. On XX/XX/XXXX I received an email stating that my account as going to be turned over to collections for none payment. I contacted XXXX and they told me to disregard the email because the devices were in route back to the company and the adjustments would need to be made to the balance. I was then informed that no later than XX/XX/XXXX I should receive my final bill with all my adjustments. I waited for the updated bill and logged into my account but the balance still read {$770.00}. 

On XX/XX/XXXX I received a phone call from a collection agency named Receivable Performance Management in regards to my XXXX account. The customer service rep I spoke with was very aggressive and when I tried to explain that XXXX has not forwarded me my finalized statement she then began to over talk me and yell a break down of charges on my account. I attempted on three different times to explain to her that credits needed to added to my account and them I would pay XXXX my remaining balance due. She told me that XXXX would not take payment and that they would forward me back to her. I then hung up. 

I contacted XXXX that same day at approximately XXXX and spoke with XXXX . He reviewed my bill and looked over the charges. He even broke down the charges for the remaining balance. He even observed that I was charged for a service that I did not have on my phone. He called the adjustments department and had them remove it which he stated could take up to two days. When I asked about my tablet he informed that services were not suspended when I asked but were done at a later date. He informed me that those charges will need to be added to the final balance but that final bill will not come due to XX/XX/XXXX. He then stated that I should be able to login to my account and see the final bill by XX/XX/XXXX. When I asked him about payment he informed me that XXXX will still accept payment on the account and that the account is still with them. He also stated that once the payment is made they will notify the collection agency, but they still legally own the account. He informed me that no action can take place until the tablet charges are added to the final bill.
I refinanced my student loan with XXXX on XXXX XXXX 2016. The check was sent to Discover on XXXX XXXX 2016 and cashed the following week. They have not reported to the credit agencies that the loan is closed. They also have yet to provide a closing statement and refund me approximately {$1100.00}. This also has dinged my credit score because today, due to their lack of action, I currently have XXXX student loans outstanding. Their customer service and misinformation is very stressful.
XXXX is reporting to ( Experian ) which they have n't verified the debt that I owe Account # XXXX.
I canceled my membership to XXXX and then revived a notice from Transworld Systems saying I owe $XXXX. I tried to call them but the answering service hangs up, so I sent them a written request for proof of what they say I owe and have not gotten a response.
Coinbase.com is not allowing me to withdraw my money. I have verified my identity with drivers license and selfie photo. I then have attempted for over 30 days to complete a questionairre verification. When I complete it accurately it says it could not locate my id. Does not make sense. I want to withdraw my {$4100.00} and have it deposited in my bank account from which it came. 

They said my ticket has reached critical status over two weeks ago and that someone will email me. No one has reached out to me after 30 calls and 30 emails to their office.
I have had a Capital One XXXX XXXX credit card since XX/XX/XXXX. I have never been late or missed a payment. XXXX XXXX  score is in the XXXX range. I own my home outright and have no debt. I am retired and am XXXX years old. In XX/XX/XXXX, I charged a total of {$7600.00} to this XXXX card and paid the full balance due each month. On XX/XX/XXXX, Capital One wrote me a letter ( which I received on XX/XX/XXXX ) stating that my credit limit had been changed from {$25000.00} to {$10000.00} because " my account was not used enough for the assigned credit limit ''. As stated previously, I charged a total of {$7600.00} to this card in XX/XX/XXXX. I have a subscription to XXXX  and was informed yesterday that my XXXX score had been decreased from XXXX to XXXX due specifically to the credit limit downgrade by Capital One. I asked the XXXX   rep what credit limit I should have in order to support a yearly purchase usage of {$7600.00}. She told me that my usage should not exceed 20 to 30 % of my credit limit. Their preferred value is 20 %. Using this info, my previous limit of {$25000.00} was the minimum I should have ( {$38000.00} is preferred ) I have given Capital One no legitimate reason for the credit limit downgrade and I can only assume that I am being punished because of AGE DISCRIMINATION by Capital One. They have NO LEGAL BASIS for this credit limit downgrade! PLEASE help me get this INJUSTICE reversed and send them a clear message that AGE DISCRIMINATION is against the law and will not be tolerated!
My credit reports are showing 2 debts with Portfolio Recovery Associates. I have sent several letters requesting that they provide proof with my signature showing the debts are valid and belong to me. They have failed to do so. They are only saying that the debts are mine and that my social security number was used. Per the Fair Credit Reporting Act, they are supposed to provide me with my signature as proof that the debt belongs to me.
I have sent dispute letters to the listed organizations on the Experian report, but none of them VAL : IDATE the alleged debt. 
After the Default notices sent to above organizations, I sent letters to Experian, but no response so far.
Continuous fraudulent charges have been on my XXXX credit card for a total of {$570.00} ( See attachment XXXX ). The charges have been happening since XXXX 2013 and have been carried out by XXXX companies, XXXX XXXX and XXXX XXXX, which are associated with the XXXX XXXX XXXX XXXX XXXX conglomerate. Bank of America desestimated my claim.
Keep getting calls from the company XXXX XXXX XXXX ( XXXX ). Spoke to them at least twice, the last time being yesterday on XX/XX/2018. Told them that the person they are trying to collect a debt from is not at my location or number. They informed me that they would remove my home telephone number ( XXXX ) XXXX from their calling list. As of this date, they have failed to do so and are repeatedly calling my home at least 3-5 times per week. I would appreciate anything that you can do to stop these harassing phone calls.
I secured a First Deed of Trust from XXXX Bank XXXX dated XXXX XXXX XXXX, recorded XXXX/XXXX/XXXX. The subject property is located in XXXX XXXX XXXX, however, the Notary/Attorney executed the Deed of Trust on XXXX/XXXX/XXXX was in XXXX XXXX XXXX, the certificate of acknowledgment states State of XXXX XXXX of XXXX XXXX ( attached ) there is no such county in XXXX. There is only XXXX Assignment of Deed of Trust from XXXX Bank to XXXX Bank recorded on XXXX/XXXX/XXXX, I researched no other assignments have been recorded. Nationstar has been collecting my mortgage payments as the servicer for the last five years, I became suspicious when I received a Notice of Sale of Ownership of my Mortgage to XXXX XXXX in XXXX XXXX XXXXThe letter from Nationstar dated XXXX XXXX XXXX specifically sates this Notice of Sale of Ownership was recorded however, I am unable to locate the recording or Assignment. I subsequently received a notice from Nationstar Mortgage stating that my loan has been transferred to XXXX XXXX XXXX. I would like to see the Servicing Transfer /Release Agreement from XXXX to Nationstar Mortgage XXXX and also the Servicing Transfer Agreement to XXXX XXXX XXXX and more importantly the documents the documents which confirm a Sale and New Ownership to XXXX XXXX XXXX XXXX XXXX XXXX 
I do not believe the servicing of my loan nor the multiple undocumented transfers are legal.
Collections Agencies continues calling my work, after I requested not to call my work. The debt is not mine. They have yet to send written proof.
XXXX XXXX XXXX XXXX & XXXX XXXX XXXX are continuing to report negative with a balance on an account that was included in my discharged Chapter XXXX Bankruptcy DOCKET XXXX. 
It even shows on my report it is in bankruptcy but they are in clear violation of the Bankruptcy courts. I have disputed it and they claim it is valid & XXXX sent results showing valid so they are in violation. It is absolutely not valid and I have contacted my Bankruptcy attorney and I will be taking legal action.
XX/XX/XXXX I opened up a joint TD Bank account ( with my mother ) for use while I was studying abroad. XX/XX/XXXX I took out the balance from the bank account, walked into TD Bank and asked to close my account. The teller led my mother and I to a banker who reviewed the account information, and said that we do not have to do anything else but 'cut up our debit cards and discard them '. Since there was a XXXX balance on the account, he will close it. After that date, I would receive statements from TD Bank. After contacting them several times, I was told that they are unaware of why I am receiving statements since there was a XXXX balance and I closed my account. I walked into the TD Bank on XXXX XXXX and XXXX XXXX in XXXX and asked to speak to a Banker to handle this issue. The Banker could not find my account information and said that it was closed. At which point I asked to speak to a supervisor. The supervisor was not present and I was told he will reach out to me after I provided my information. I stopped receiving statements and assumed that the issue was handled. At the time I was in college and was aware that I should documented this situation with more rigor. 

Today my husband and I decided to apply for a mortgage and after checking my credit history, I was told that my score is XXXX because I have {$41.00} outstanding as part of collections on that account. The {$41.00} is related to overdraft fees because I had no money in the account ( when the bank account required a balance at all times ). I have never received notice of collections related to this account. Furthermore, I have done everything in my power to close the through TD Bank and was misinformed throughout the entire process. This has now wrongfully affected my credit score and I was mistreated as a consumer. I am a working individual with XXXX debt, but I refuse to pay the {$41.00} as it was wrongfully incurred and should be removed completely from my credit history.
Due to the third party hack of Equifax, my personal information ( SSN, date of birth, credit card numbers, home address, telephone number, and other key personal info ) could have been or was stolen. According to the Equifax security site, where they will obscurely tell you if your information was stolen, and mine was. The hack happened in XXXX but we were not told about it until Thursday, XX/XX/XXXX.
After my husband passed away in XX/XX/XXXX and my chronic health problems for 3 years, I fell behind on my mortgage payments between XXXX and XXXX. I applied and was approved for a loan modification in XX/XX/XXXX. I was approved to start making trial loan modification payments on XX/XX/XXXX in the amount of {$1400.00}. The trial loan mod payments would continue until I received a permanent loan modification. I made the " trial loan modification '' payments every month from XX/XX/XXXX through XX/XX/XXXX. In XX/XX/XXXX, the mortgage company informed me that I needed to get court approval as the executor of the estate of my deceased husband and my deceased grandmother in order for the loan modification to be put in my name as executor of the estate of my husband and grandmother. Thus, I had to start a probate process and informed the mortgage company that it could take several months before the Court approves of this action as an existing Probate has existed since XXXX when my mother, who is now deceased filed the probate for the property that I am an heir to. I sent the mortgage company the last will & testament and other documents illustrating that Im the heir to the property and the wife of the deceased person on title. Although I continued to make the trial mortgage payments and unbeknownst to me, the mortgage company continued to accept payment and initiate foreclosure proceedings on my property at the same time. In XXXX I was told that I dont qualify for a loan modification or any foreclosure alternative because my income wasn't sufficient. However, I was already in a trial loan modification and making payments on-time every month. Next, I received a letter dated XX/XX/XXXX stating that I didn't qualify for a loan modification because my mortgage didn't qualify for any loan modification options. I faxed an appeal to both denials on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, Shellpoint and XXXX XXXX Foreclosure trustee sold my house at an auction for {$320000.00} to a 3rd party investor
I have been working diligently to repair my own credit. My credit score was XXXX four weeks ago, now it 's XXXX, all of a sudden my score drops almost XXXX points for no reason at all. I have paid my credit cards in a timely fashion. I have brought my utilization to the right percentage, and my score is continually dropping every day for no reason at all. My husband and I share the shame credit cards, and his scores are constantly going down. All XXXX credit bureaus are reporting my score inaccurately. My utilization is XXXX % which is good. This is unethical, in what is going on with the XXXX credit bureaus. They inaccurately reporting my credit score and this is not fair. My score should n't have dropped almost XXXX points in four weeks if I 'm making sure my utilization is good, and payments are good and on time. If you could help me in any way that would be greatly appreciated. I 'm utilizing XXXX XXXX which I was told that Transunion owns this company, it 's a scheme to keep people looking like they have bad credit to make them suffer and not be able to get the help they need in society. They ought to be ashamed of themselves for being unethical with their approach. The scores on XXXX XXXX are updating daily and fluctuating up and down by a lot of points in which I do n't understand. This is unethical please see attached picture of this.
Back in XXXX I purchased a vehicle, XXXX ; My financing at that time was with a local financing company. After having the vehicle for about 3 to 4 months, I received a correspondence that Capital One was now the lien holder of my auto loan. I began making payments through the new account online through Capital One 's website. My auto loan payment was roughly $ XXXX. After my account was switched over to Capital One, I started receiving calls about late payments, additional fees, and also that my car payments were now $ XXXX. I had to make these disputes each month and still never received a resolution even having all of my original bill of sale documents. In XX/XX/XXXX, I traded in the XXXX for the vehicle I currently have now and have not heard anything from Capital One. Several months later, about XX/XX/XXXX and XX/XX/XXXX, I had my credit checked and found that Capital One was reporting this auto account as severely delinquent. I went through the process of contacting them as well as making disputes with the credit bureaus in regards to this account and did not receive any information as to how to resolve these errors. One instance when I called Capital One, I spoke to 5 different people, and each gave a different story, however no one has ever sent me any information to validate this account. I have been reaching out to them and to the credit bureaus for over 2 years now, writing letter after letter of disputes, deletions, and even letters of validation and to no avail, I do not receive anything in return. My last round of correspondences that I sent out again to Capital One and to the credit bureaus was in XXXX and I have yet to receive a response again. I 've exhausted going through credit resolution services, etc. trying to get this account removed from my credit report as it is being reported inaccurately. The car was originally purchased for about {$12000.00} and Capital One is reporting this car now as a Charge Off/Repossession for {$10000.00} as of my current credit report that was pulled on XX/XX/XXXX. Whether the car was traded in for the full balance owed and then resold, I am not obligated to this debt any longer as the car is not in my possession and was transferred correctly. I am at my wits end as these errors have negatively impacted my credit abilities for several years and I do n't know what else to do in resolving this situation. I do n't believe that it is fair to me to have to make a possible settlement on a debt that I 'm not responsible for and would like if this account is removed in its entirety from my credit reporting