WillisBack/dataset-financial-user-claim huggingface dataset:
In  XXXX   XXXX , we filed a complaint with the  Consumer Protection Agency  against  Ocwen  Mortgage. The  CPA t ook the case and got involve d ( CFPB Case No.   XXXX  ). On   XXXX   XXXX   XXXX  , we received a letter from Ocwen, who finally admitted to a bookkeeping error on their part. They had missed a payment that we made in  XXXX  of  XXXX  and were reporting for over  two  years that our payment was late and were charging us late fees. We thank the  XXXX  for their help. Unfortunately, this problem still persists. We sold the home that this loan was connected to on    XXXX   XXXX   XXXX    and the loan with Ocwen was subsequently paid off. I have copies of all documents relating to this loan payoff. In Ocwen 's   XXXX   XXXX   XXXX     letter they state that they are going to contact  XXXX  and  XXXX  to fix our credit report. I know you will not be shocked to find out that they did n't do it. Not only that, they have not report to the credit reporting agencies that the loan has been paid off.  XXXX  's credit report still shows an open loan to Ocwen in the amount of $  XXXX . We recently applied for a loan with  XXXX   XXXX   XXXX  Bank and were rejected because of the  Ocwen  mark on the credit report. I have tried to reach out to Ocwen to get them to fix this once more and have gotten no where with it. I am begging you to please intervene on our behalf once again to get this fixed. This error is ruining  XXXX  's credit and hindering us from getting a loan. Thank you.
I contacted Fed Loan Servicing regarding student loans in XXXX. I was inquiring about the student loan forgiveness program. I work for a non-profit, and have since XXXX. I was told that in order to become eligible for the program I would have to bring all my loans over to Fed Loan Servicing. Just recently I found out that information was not correct and my loans qualified for the program since my start date at the non-profit. All my loans were Government loans and did not need to be consolidated to be eligible. I have asked several times over the years and received misinformation on my loans. <P/>All I would like is to have my loan payments back dated to when I started working for a non-profit. I feel as though Fed Loan Servicing wanted my loan consolidated with them for their benefit, not mine. The customer service agents I have spoken with tell me they can not do anything.
On ( XX/XX/2018 ) XXXX of this year a request was made for the ( transunion ) credit reporting agencies regarding my credit file report to the credit reporting agency Transunion. ( FCRA ) Section 609 ( c ) ( 2 ) ( E ), a consumer reporting agencies is not required to remove accurate derogatory information from a consumer file, unless the information is outdated under section 605 or can not be verified. I challenge the credit reporting agencies to verify the negative credit event in the credit report by producing a copy of the " original creditors documentation '', not the veracity, but the bureau abilities to verify their veracity. I used section 609 of the ( Fair Credit Reporting Act ) law to demand the veracity of their credit reportingof my credit reporting file, and If they couldn't verify the data they have no right to continue to maintain it on their credit reports.
XXXX XXXX Credit card provided by Bank of America. 
I was charged a {$75.00} annual fee which I was not aware of until a month after it was assigned, as I had not used the card until this point. BoA had assessed an additional {$25.00} fee. I called customer service and spoke with a rep on XXXX. The rep assured me that they would remove the {$25.00} fee and the {$75.00} fee, then close the acct. Last week, I received notification that my account was past due and owed $ 75+. I called the customer service line. The first person said " no problem '' and cold transferred me to collections where the operator claimed that the {$75.00} dollar fee wasn't the annual fee but something else, and that interest charges were separate. Then tried to point to the amount due as from a purchase. I asked to speak with a supervisor. I was transferred to XXXX XXXX, Manager of Escalations with Bank of America. He was condescending and attempted to double speak his way through the conversation by correcting my word use re-branding his employees mistake by telling me that I was " misinformed. '' At no point did he deny that his employee had told me that the fee would be removed and that my account would be XXXX balanced. He told me that his employee had provided " mistaken '' information and that he was " sorry that I was misinformed. '' He stated that the annual fee was a " rule '' and could not be refunded, and that it would " destroy my credit. '' I informed him that his employee told me that the fee would be removed and the account closed. Now, BoA is insisting that I have to pay them {$78.00} ( {$75.00} XXXX ) or they will damage my credit. I informed him that this is extortion, which he shifted the blame onto me and said that the annual fee is non-refundable and the late fees have to be paid to bring the account current. I paid the fees rather than take the hit on my credit score. I monitor my score closely. It is in the high XXXX. I own a home and have purchased vehicles through financing. I am capable of meeting my financial needs and am not upset about the money. I am upset about the predatory and punitive assignment of fees, followed by extortion of further funds in order to close the acct
XXXX XXXX XXXX is an unauthorized Inquiry. Please remove within 30 days.
For the last  five ye ars we ( myself and another person in my household ) have been unable to get Equifax  '' s free cr edit report online. We have never had such a problem with the o ther  XXXX  credi t agencies. My notes from  two ye ars ago indicate that when I called Equifax about the problem the person I spoke with was able to fix something so I could access it and print it out. Last year I called and was told to log onto my Equifax account, access the tabs on the left and access it that way. It worked last year.     In  XXXX  of this year I again could not get the info online ( the last screens states they can not provide it online and that I need to request it by mail ) so I called them and was told that they could only provide it by mail. The solutions that worked t he prior two years would not work - even though I was able to access my online Equifax personal   account! Equifax then took my info over the phone and I received the free report in the mail about 10 days later.     I called Equifax again a few minutes ago and was tol d two stories : 1st : To get it online I would need to pay a fee. I responded that their screen said nothing about  such and the other agencies provide it online for free. I asked "  XXXX  '' to verify her response with someone else.      2nd :  When she came back on the phone "  XXXX  '' said that they thought the problem is with  XXXX  and not them ; hence, they ca n't help me. I advised her that the site works fine with the other credit agencies so the problem must lie with them. I could get no satisfactory reason for the problem. I told her I would file a formal complaint with you.     I would like to get this resolved so we can get future Equifax reports online rather than risk their being lost in t he US Mail.  Your help will be appreciated.      XXXX   XXXX
This company is reporting a negative account on my credit report, and we do n't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. 

I tried resolving the issue with XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Also, I sent the company a letter on XXXX/XXXX/XXXX asking for a legal contract and there was no response.
I paid my credit card bill in full before the due date ( XXXX statement ) and now the credit company is charging me interest ( XXXX statement ). They said they continue to charge interest until they receive the payment even though I paid the account in full by the due date.
I have been disputing my credit report with XXXX and Equifax , I still have not received any written notification from any XXXX of the XXXX bureaus in response to my disputes for whats being reported first off they have the " Wrong '' DOB, that in itself requires automatice deletion. Also, they removed XXXX inquires from my report and the added them back some are which over 1 & 2 years old. Its to the point now where im really irritated because as a consumer we have rights and they just decided what they will put or keep on our reports that effects our everyday well being at their expense or leisure is that Fair reporting. With saying this Theie investigation took too loong abd I didnt get the proper notice of the investagation status or even results. It been well OVER 30 days. I want the items REMOVED at once. Also XXXX XXXX XXXX sold to this company after settling as as paid as agreed. I Want this removed or Im climbing the scale to take this futher.
I currently have an initial fraud alert on my file with all XXXX bureaus. TransUnion even sent me a confirmation notice that this initial fraud alert was issued as of XXXX/XXXX/2015 and would remain for 90 days. I attempted to receive my FREE copy of my credit report under FEDERAL law with TransUnion on their website. I followed the correct prompts regarding my reason - fraud alert - and was promptly told to pay {$8.00} because I live in California. My request is not a just-because that would qualify for a fee charge ; this is in conjunction with my initial fraud alert! I am illegally being redirected by TransUnion to pay for a free report I am entitled to based on FEDERAL law.
I have disputed the late payments on XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
On XXXX XXXX, 2017, I received a text offering a payday loan. Since I was in financial need at the time, I clicked on the link in the text and filled out the online form. I then received a phone call from a woman at XXXX XXXX XXXX who walked me through the steps to get approved for a {$1000.00} loan. When I asked the rep how much this loan would cost me, she informed me that with the interest, the total amount to pay back was {$1100.00}. I received an email stating that my loan was approved and the funds were on the way. 

After making my initial payment of {$330.00}, I noticed that the loan balance had not decreased very much, so I contacted the company. A rep informed me that only {$50.00} of my payment went to the balance and that the rest went to interest. The rep then emailed me an interest statement that I " allegedly signed '' agreeing to an astronomical interest rate of over 600 % and that the cost of the loan was actually {$4000.00}! 

I never signed this interest disclosure and was not ever made aware of anything that was included on it. After further review of the disclosure, I realized that my name was n't even spelled right on the document and the electronic signature, with my name spelled incorrectly, was time stamped for XX/XX/XXXX at XXXX. The loan approval email was received on XX/XX/XXXX at XXXX. How could I have signed something at XXXX when the loan was already approved and the funds were being transferred at XXXX. I never saw this disclosure statement nor did I sign it when the loan was initiated.
I was contacted several times within the last 2 months from some XXXX person about i won so much money my XXXX this call was similar I also spoke with XXXX XXXX and XXXX XXXX who was very rude while I was trying to collect information about this bogus account XXXX XXXX even referred to me as a female quite a few times they ca n't inform me the number to the place they claim I own I also asked them to produce something I signed saying I would pay them here is the information I did obtain hope this helps Credit control llc XXXX $ XXXX XXXX XXXX
Debt for Capital One was cancelled and reported to the IRS as income in XX/XX/XXXX. Capital One still reporting full amount delinquent. If debt has been cancelled and account closed they should not still be reporting full balance amount. I contacted Capital one on XX/XX/XXXX and XX/XX/XXXX to inquire of this reporting and were advised they do n't have to stop reporting if the debt is cancelled but the amount they are reporting is incorrect for a cancelled debt. 

XXXX XXXX is reporting a balance of XXXX on my credit report and the XXXX was paid in full but they are refusing to remove the XXXX because I have another balance in their office of a lesser amount. I contacted XXXX XXXX on XX/XX/XXXX to ask to remove the XXXX from credit report as it is what is reporting and was denied that request.
I was recently informed by my credit card company that a merchant I visited had a security breach and as a result, the credit card company would be issuing a new credit card for me to protect my account. However, when I requested the name of the merchant with the security breach, I was informed that information was private and could not be disclosed to me. As a consumer, I find it shocking that I am not allowed to know which merchant had a security breach and potentially exposed me to further security concerns though my credit card company is allowed to know. Thank you for your assistance.
In XXXX of XXXX, I was in a car accident in which my car was totaled which necessitated the purchase of a car. I purchased a car from XXXX XXXX ( XXXX XXXX ) and the original finance company was Mid-Atlantic Finance. 
I made the payments through the year. In XXXX, I went into the office while visiting my brother in the area. When I did I was asked to contact XXXX XXXX because they had not received the title. 
After returning to XXXX, I contacted the dealership who explained that they had decided to pull the financing back from Mid-Atlantic and I would be making payments at the dealership. On XXXX XXXX, XXXX, I signed a new contract with XXXX XXXX. Within two weeks, the contract was sold to XXXX XXXX and I began making payments to them. 
At this point I thought everything was fine. I received an email from XXXX XXXX at Mid-Atlantic Finance stating that my account was seriously delinquent and that I needed to pay {$2000.00}. Upon contacting the company, I was informed that the car was up for repossession if the account was not brought current. I explained that I was making payments to XXXX XXXX. I was told there was no information about that and the car could be repossessed. 
I was upset by the conversation so I contacted the original dealership. When I told XXXX XXXX of the conversation he explained that Mid Atlantic was not the legal lienholder on the car and they have no legal right to repossess the car. 
On XXXX XXXX, XXXX, I had XXXX on my shoulder from the car accident in XXXX. On Monday, I was supposed to go to my post-op appointment and discovered, upon taking trash to the dumpster, the car was gone. 
I received a notice on XXXX XXXX, XXXX regarding the repossession stating that I had 45 days from the date of repossession to get my belongings from the car. I was finally able to get to the yard where the car was supposed to be on XXXX XXXX, XXXX. When I arrived there, the person who was supposed to meet me was not there. I waited for two hours when someone finally arrived, I was told the car was not there. My belongings were in a shed, though I do not believe I got all my belongings from them. 
I went to XXXX XXXX and spoke to XXXX. She gave me copies of documents showing Mid Atlantic Finance application for a duplicate title, marking through XXXX as the lienholder, a DMV report from XXXX XXXX, XXXX showing XXXX as the legal lienholder. XXXX also had information regarding the car being removed from XXXX on XXXX XXXX, XXXX. 
I filed a report with XXXX XXXX Sheriffs Office case report XXXX XXXX. Since the report has been closed and deemed a civil matter. It was explained to me be one of the detectives that for a car older than six years, the company was obligated to provide 30 days in which the consumer could retrieve the car. They did not have the documentation from the clearing house which shows the date the car was removed from the tow yard. My attorney contacted the clearing house and they provided the information showing the date the car was removed from XXXX.
I owed money to XXXX XXXX XXXX and paid it in XXXX 2015. Now I am getting letters from AARGON Collection Agency, XXXX months after I paid, that I owe this debt collector. I have the cancelled check showing payment.
they sent out a clean out crew XXXX times while I was living there and they stold belongings of mine I while I was at work even called the police and they caught them once
I have had a Discover Card since XXXX and I will admit that I am not always the best at thoroughly reading through my statement. I was reviewing statements recently and saw that I am being charged for Discover Payment Protection on a monthly basis. This is a program that I never authorized my enrollment into. I have since checked all of the statements that Discover has for my account online ( they only have back to XX/XX/XXXX ). Totaling up all of the charges I was charged an overall amount of {$1100.00}. This is just the last 2 years. I called Discover on XX/XX/XXXX once I came up with this total and spoke to a representative named XXXX who told me that I started getting charged for this service about 3 months ( since 2010! ) after I opened the account. I questioned how it was that they enrolled me and she said that they had previously sent out letters asking for authorization to enroll their card holders. I informed her that while I got those letters I did not sign that I was authorizing my enrollment, so how is it that Discover enrolled me anyway. She then informed me that she would cancel my enrollment and reimburse me for the last 3 charges. I asked why I was not being reimbursed for the total amount that I was charged and the response that I got was that I would not be reimbursed the total amount because the letters they sent out were what enrolled me in the program, therefore I should have known that I was being charged. I again asked how a letter that I did not sign ( and at no point did they get verbal authorization from me either ) gave this company the authority to enroll me in this program. She was unable/unwilling to answer this question and was not able to direct me to anyone else within the company whom I might talk to about the issue.
Obtained loan from Western Sky in XXXX XXXX immediately sold to XXXX ( loan officer said loan was with Western Sky but would be serviced by XXXX ). XXXX name on paperwork and all documentation in the mail. Paid for almost one year without any reduction in the loan principal. Did an amortization schedule to determine my 5 year loan would take 10 to repay. Called company because I could n't afford that and was not disclosed. Company agreed to lower interest to 89 % but this only shortened amortization to 7.5 years when my loan docs said 5. I quit paying. 
Several lawsuits and ban on Western Sky and XXXX. Was informed I would not have to repay a predatory lender. 
Now I am being harassed by a collection agency ( legal locator service ) that I am about to be sued for way more than I owed unless I can pay {$740.00} within 2 days.
XXXX/XXXX XXXX company placed my mortgage under bankruptcy that was discharged on XX/XX/XXXX. I have paid on time since opening the loan in XX/XX/XXXX. I have talked with them several time and they refuse to report my on time payments since XX/XX/XXXX. I did not include my mortgage in the bankruptcy but they say it doesn't matter. They said they will never report my payments to the credit bureau 's. I can't refinance for two years so i'm losing valuable info on my credit reports monthly. Also I am a XXXX XXXX XXXX XXXX XXXX  XXXX veteran.
Upon reviewing my credit report I was surprised and shocked when I saw a late payment! I don't have any idea how this could have happened. The report doesn't even show a date so I don't even know when this supposedly happened. I always make my payments when I receive the statements. The statement must not have gotten to me somehow.
In XX/XX/XXXX or XX/XX/XXXX or XX/XX/XXXX I went to the hospital ER room for an illness. However from the paper work that was shown to me by the hospital and verified by contacting their accounting department was advised they had the inaccurate address on my file. 

The address they had was my address from XX/XX/XXXXwhen I was their for XXXX and was placed into the system by the file on their records. When contacting was advised that it was a hospital records XX/XX/XXXX error due to the insurance card they had on file during my visit listed my new address. 

No letters were sent to my new address however notices were sent to the old address which I havent resided at in over 10 years and was placed on collections. Contacted collection company XX/XX/XXXX and they advised that it was still my fault even if hospital had wrong address. 

Contacted hospital again XX/XX/XXXX advised balances owed was XXXX yet collections company wanted XXXX due to late charges even though hospital accounting staff verified insurance card had new address but all notification was sent to old address.
I was told by my lender that I refinanced by loan in XX/XX/2006 but that is not true. My payments continue to increase and my balance is not decreasing. I am not going to own my home if they do not fix the problem. My principal balance is too high for a home I have been paying on for over 15 years.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, IA XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, NY XXXX
I had a collection account on my credit reports from XXXX, XXXX and Eqifax from XXXX XXXX XXXX for several years. The information was wrong. I went to court with XXXX XXXX XXXX on XX/XX/2017. Their case against me was dismissed with prejudice meaning they can never bring he cases against me again. I immediately submitted copies of the judgement from the court to the three reporting agencies and asked them to remove the collection account from my credit reports. I was told it was not removed because when they check with XXXX XXXX they insist it remain on the report. I have explained to them multiple times that a court ruled in my favor on this issue and I have sent proof but they will not remove the item. I do not understand why. How can this item be finally removed?
ALLIED COLLECTION SERVICES, account number XXXX is wrongfully appearing on my XXXX credit report.They are collectors for XXXX XXXX. 
At my only ever visit to XXXX XXXX I needed to have a XXXX XXXX.I pa.id {$200.00} cash at the time of service.I also had a XXXX XXXX.I provided my XXXX  government insurance card and was told that I was paid in full for the part of the work not covered by insurance.I received a prescription for XXXX, that insurance paid for. 
The debt is fraudulent.