WillisBack/dataset-financial-user-claim huggingface dataset:
We have a mortgage with what started out to be XXXX in XX/XX/XXXX. Since that time that company has changed their name at least 10 times. They are now DBA as Ocwen. When reporting to the credit bureau it shows up as XXXX XXXX and Ocwen. They were once known as XXXX which show in some areas on the credit report it states the account closed. My mortgage is paid up to date I have a receipt to substantiate my claim yet Ocwen has not reported our mortgage paid since XX/XX/XXXX on some and XX/XX/XXXX on others. I need my credit report corrected immediately. I am tired of this company and a few others reporting in accurate information preventing me from living a better lifestyle I am quite capable of. I have been denied credit due to the inaccurate information the mortgage company is reporting. We pay our bills on time but it appears that the more we pay our bills and keep them up to date we are rewarded wit a lowering of in our credit score. A DROP IN OUR CREDIT SCORE!!! THERE ARE SEVERAL ITEMS THAT HAVE BEEN DISPUTED THAT THE over and CREDIT BUREAUS REFUSES TO REMOVE THEM. It also appears that if you dispute an item that also goes against you. I am tired of over many years I have been held down and held back because of the unfair practices of the credit bureaus. The reports from the Credit Bureau has ruined our credit life and forced us to have to struggle with extremely high interest rate and been totally denied more opportunities than one should have to endure. 
I need my cred report updated as well as my credit score.. Please tell me how a score can be dropped 40-45 points within a few weeks for paying off a credit card and being responsible citizens
My employer reported receiving a fax labeled as Wage Assignment Demand Notice. The fax alleged that I had signed a Wage Assignment and authorized Kashia d/b/a XXXX XXXX to collect wages from my employer to repay the loan. The information received by my employer indicated that XXXX XXXX was collecting on the wage assignment on behalf of Kashia d/b/a XXXX XXXX. The demand instructed the employer to deduct 15 % of the employees disposable pay and mail a check to the following address : Kashia d/b/a XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX The employer reported the following additional contact information was associated with the demand notice : Email : [ XXXX ] Phone : XXXX Fax : XXXX The notice was referenced as a 2nd attempt, and noted that I was informed my employer would be notified. The notice was emailed to my employers company website which is not secure. I never heard of XXXX XXXX yet the company had all my information. After several attempts to request for XXXX XXXX and XXXX to cease all communication the company I work for still continued to get notices emailed.
The number XXXX keeps calling my work and cell. Threatening to damage my credit. Swearing and trying to extort additional information
I noticed on my credit report medical bills that were placed on my files with Equifax, XXXX, and XXXX that do not belong to me. I informed all 3 credit bureaus of this mistake and completed 4 attempts to have these inaccurate reportings removed from my credit file. My first attempt was submitted to all 3 bureaus on XX/XX/XXXX. There were more than 20 medical bills belonging to my XXXX XXXX XXXX that were put on my report in error and the majority of those collection files were removed but not all of them. So I submitted another written request to all 3 bureaus to have the remaining collections medical bills that do not belong to me removed on XX/XX/XXXX and again additional medical bills were removed but not all. I submitted an additional and final request on XX/XX/XXXX to have the remaining inaccurate reporting medical bills belong to another individual removed from my credit file to no avail. All 3 bureaus have not provided me with the proof of validity as requested on all 4 occasions and now do not respond at all to my continuous pursuit to have these inaccurate items removed. I understand my rights under the Fair Credit Reporting Act and have remained patient while allowing the Credit Bureaus to complete their investigation. These items have not and can not be verified by the Credit Bureaus because they do not belong to me and I request that they are removed from my report as required by law. I have kept all my records of correspondence with each credit bureaus and will happily provide this documentation as needed.
This company XXXX/XXXX  XXXX is reporting different payment history which FCRA requires all information to be reported must be 100 % accurate. Due to these inconsistencies I demand that this item be removed from my report.
Monkey Key Never Told Me That The Fee They Charge When You Make The Loan Also Is Charged Interest Too. And Can Bring Your Loan Pass You Iimit Which Brings You To a Higher Loan Rate For Your Loan ... They Charge Fees Before And After I Make A Payment.Leaving Me Paying Nothing On The loan.
American Express is reporting an account on my credit report that was found to be in violation of the Fair Credit Reporting Act. I hired XXXX XXXX, an FCRA attorney in New Jersey, and we were able to sue them and the credit bureaus, and I won. As part of the settlement, they agreed to delete this account on my credit report but I see that it is still on there. I even disputed it with the credit bureaus and they came back and verified it. Is n't that another violation of the FCRA?
In XX/XX/XXXX I received an approval for a trial period loan modification. I signed the form and returned the document on XX/XX/XXXX. 

I am filing this complalint because as many home owners this loan servicer is not applying the payments correctly. The payment was due on XX/XX/XXXX. According to the documents the 1 trial period loan payment needed to be received by the last day of the month. 

Well I did my part, paid XXXX XXXX URGENT delivery for the same day for OCWEN to collect the funds. OCWEN LOAN SERVICING BROKE MY AGREEMENT. According to the automated system Ocwen applied my first trial payment on XX/XX/XXXX. 

Ocwen needs to be investigated and shut down. DID I KNOW THIS WOULD HAPPEN AGAIN, XXXX. This information needs to be forwarded to the investor of my mortgage as well to show that OCWEN is XXXX UP!!
cra violation inaccurate information not mine no knowledge of the credit reported also disputed to ftc sent pr report to all company involved
I took out a payday loan for Speedy Cash for XXXX and my fees and everything went to XXXX, I was n't expecting those charges
I received a debt notice from Synergetic communication Inc, for the creditor XXXX XXXX XXXX on XXXX. I immediately reach out to via phone and chat to XXXX XXXX XXXX and they confirmed me that I don't have any dues pending. I received the last bill with no dues which was 3 months back. 
I noticed my name on the notice was not accurate hence I decided to reach out to the debt collector via phone and email but I didn't get any response for the communication made on XXXX. 

I drafted a dispute notice to debt collector and sent them written dispute via mail and email on XXXX.
Transunion is reporting this account as being paid late on XX/XX/2012. This account is being reported by XXXX which bought this account from XXXX XXXX long after XX/XX/2012. This account was never late. I contacted XXXX XXXX and the agree but they do not report this information to the credit agencies. They have supposedly contacted XXXX however this information is still not corrected. I am getting sent in circles.
Am late on a student loan payment which I just have not done the bills yet and it is under 30 days late. XXXX gives my information to Northland Group and they call every hour at least. I already told them it will get paid and to leave me alone.
They keep calling me although they have the wrong name. I told them in so many words but they still call.
I get a modification loan 3 years ago, and because of my low income the mortgage monthly payment was established and signed by Bayview Loan Servicing in $ XXXX From XXXX to XX/XX/XXXXto present i have been receiving letters of intimidation from Bayview ( available upon request ) saying i had to pay them between {$5000.00} and {$6000.00} the amounts varied ; Bayview also put the whole value of the house in my credit {$31.00} making my credit notably lower. All is wrong information as I never failed in paying my mortgage payment. On XX/XX/XXXXBayview sent me a letter saying my Condominium had failed in presenting proof of hazard insurance. Innumerable letters to the Condo asking for that proof were never answered but finally and after uncountable emails to Bayview I received a letter from them dated XX/XX/XXXX here included saying " the lender placed insurance we purchased for your property is cancelled effective XX/XX/XXXX ''. But on XXXX XXXX I received a mail from Bayview saying " we do not have proof of coverage from XX/XX/XXXX-XX/XX/XXXX. If you are able to provide a copy, we will be able to cancel the lender placed insurance that is effective for this time frame. The condo will not provide a copy directly to me. Next thing is Bayview has returned my current XXXX payment without a letter or explanation. In their website my acct shows i have to pay {$260.00} a month, that 's wrong, and is not the established modification amount.
Originally, I received a parking ticket from the XXXX XXXX XXXX. I sent in my first request for an administrative review ( due XXXX/XXXX/2016 ) but it was sent back for not including payment and time was extended to XXXX/XXXX/2016. 

Now " Professional Account Management, L.L.C '' is sending me a bill for {$370.00} which is an increase from my previous ticket.
Experian is not taking this XXXX seriously. On my times and she is ignoring me about my credit score abs not to delete everything off completely of my address , inquires, collections department they are holding and lying 35 XXXX  times. I have to then to court pretty soon.  People can't fix my XXXX sincXX/XX/XXXX, or on my XXXX times . Off now. And the XXXX date to where I cant see it no more on my XXXX phone XXXX as well. .
My mortgage was past due. I contacted Bank of America to obtain a letter showing the cost to reinstate my loan. The reinstatement letter was created on XXXX/XXXX/2015, and was good through XXXX/XXXX/2015. We obtained a cashier 's check for the amount due of $ XXXX to reinstate our loan. This included the attorneys fees, property inspection fees etc. On XXXX/XXXX/2015, we received a letter stating our payment was received and our next payment would be due on XXXX/XXXX/2015. Our XXXX XXXX, 2015 statement showed the amount due of $ XXXX which is our regular monthly payment. It still showed our home was in foreclosure even though we paid the amount required to bring it current. I addressed this concern with Bank of America and was told it was no longer in foreclosure, but they didnt have anything they could send me in writing to confirm this. We paid our XXXX payment, and it was posted on XXXX/XXXX/2015. 
On XXXX XXXX, I receive our XXXX statement, and it includes Title Fees backdated to XXXX/XXXX/2015! These fees were not reflected on the reinstatement letter dated XXXX/XXXX/2015 nor were they reflected on our XXXX statement. They somehow magically appeared on XXXX XXXX, and were backdated to XXXX! I feel this tacking on of fees and then backdating them is fraudulent. If the fees were incurred on XXXX, they why were n't they listed on our reinstatement letter dated XXXX, or our XXXX statement? Who 's to say Bank of America will not add on extraneous fees on a whim and then backdate them in the future? 
I doubt I am the first borrower they have tried doing this to, but I hope to be the last.
Collection account that is reporting on Transunion is : not mine/no knowledge of account. It is reported as : XXXX XXXX, account number XXXX. Please initiate investigation.
I filed for a Chapter XXXX bankruptcy on XXXX/XXXX/16. I am looking to keep my home and have been waiting for US Bank ( my mortgagor ) to send me an re-affirmation letter for the loan. I have waited for this letter to no avail. On XXXX/XXXX/16, I went to bankruptcy court and emailed my MAP representative, XXXX XXXX and asked that I re-affirmation letter be sent to me She has never responded to my email and returned my phone calls a week after and she tells me that I have to get my attorney to type it up, have me sign it and submit to US Bank. I called US Bank today and was told by the bankruptcy department that there is no guarantee that they will send a letter and even if I request XXXX it will take XXXX6 weeks to send out a reaffirmation letter and if my bankruptcy discharges before I get it, my attorney would have to file a motion to reopen it. I asked that the call be escalated and speak with a Supervisor, I was asked why did I need a Supervisor and it is stupid to ask for a Supervisor and even stupider to want the call the escalated and stuck me on hold for seven minutes and then hung up on me. 

Does it really take XXXX6 weeks to send XXXX sheet of paper when the all the information is already received? The rude behavior of US Bank 's staff is atrocious and needs to be rectified. I do n't have the extra money to pay my attorney to reopen my should my bankruptcy discharge without my loan being reaffirmed and I lose my house.
Frost Arnett Company are continuing to try to collect on a debt that I have plainly told them was as a result of identity theft. I have mailed a certified letter and I have made a phone call to Frost Arnett to  tell them that the debt that they are attempting to collect on was due to someone using my personal information that they obtained when my identity was stolen. When I spoke to them on the phone they told me that they did not care if the debt was from identity theft that I just needed to pay it. I told them that I was not going to pay a debt that I did not owe, and they told me that if I did not pay the debt that they would have me arrested. I told them that I was not going to pay for a fraudulent debt and they told me they would report the item to all XXXX credit bureaus so that they would prevent me from being able to obtain credit until I paid the fraudulent debt. I told them that it was unlawful to defame someone 's character, but they told me that they would do what they wanted to do until I paid the fraudulent debt. The debt was from XXXX Hospital the account number for the fraudulent debt with Frost Arnett is XXXX. I have also contacted XXXX XXXX Hospital and told them this was not my debt and was as the result of identity theft, but they refused to speak to me and told me that I had to contact the collection agency. I told XXXX XXXX that Frost Arnett was verbally abusive to me and were threatening me, and they told m that they did not care that I had to contact them and pay the fraudulent debt.
Equifax information services has grossly mishandled my personal identification information, which puts me and hundreds of thousands of other people at risk of identity theft. 

I demand that they rectify this by making credit freezing free of charge and refunding anyone who has already paid for such services. The " equifaxsecurity2017.com '' website indicates that I have been affected and it is unacceptable to require that I file a police report when they already know that I ( and many, many others ) are impacted. The fact that this is a paid service is actually a perverse incentive for them to " accidentally '' release some information and then charge consumers for their protection. That sounds vaguely like a tactic employed by the mob for some time. 

The fact that they did not notify anyone quickly enough, and themselves admit that they will not notify everyone is a gross dereliction of duty.
The information that has been report and posted to my credit, file by the credit bureaus, is not valid and not in compliance, per the Federal Fair Credit Reporting Act. 


YOUR COMPLAINT XXXX XXXX XXXX ( collection agency ) Original creditor ( XXXX XXXX ) I have no business transactions or any type of business relationship, with XXXX XXXX XXXX. I have no business dealings with this company and have never spoke with anyone, form this company. As for the original creditor ( XXXX XXXX ) I am not a member of their gym, I have never joined, the gym and there is no documentation or signed agreement, between my self and the company. This is not my account and it is showing on my credit account, wrongfully and illegally. XXXX ( Collection agency ) Has never contacted me regarding, this account and I have never done any business with this company. The original creditor is XXXX XXXX XXXX and I did visit the office. But, I did have insurance coverage. If there was a co pay due or any additional monies due, that wasn't covered by my insurance, I should have been given a bill, at the time of visit or at the very least, mailed out to me. I have never received any contact or bills forward to me. Therefore I had no knowledge of any outstanding monies. In addition, my insurance company, didn't notify me of me having a co pay of a portion of the bill that had to be covered my me. Therefore this debt is a error and if the debt is my portion of the bill, why wasn't I billed, so that the matter could be taken care of, in a timely fashion. There are guidelines in place, that require a notification period, before the medical debt can be place on the credit report. This was completely overlooked and not followed, as I have never received any notification, via phone, text, email or U.S. Postal service. XXXX XXXX ( collection agency ) the original creditor is ( XXXX XXXX ) I have never had any contact or transacted any business with XXXX   XXXX  and the debt with XXXX XXXX, is not my account. I have lived at the same address for years and this cable bill does not belong to me. If some one has taken my personal information and opened a cable account, without my knowledge, I am not accountable for that account. XXXX XXXX doesn't have any documentation, where I have agreed to service or signed for service.
Dear CFPB I am formally filing this complaint against Moneygram against transaction # XXXX. I am from the United States and was visiting my extended family in XXXX XXXX. I did an online transaction so I could leave my parents with some money as a gift. I was flying out the very next day morning.. I received a verification call from Moneygram. I provided all the information they were looking for. They confirmed the transaction is approved. I later received a confirmation email that the money is ready for pick up.. At the pick up location they however told me the transaction is on hold.. I called Moneygram again and after frustrating 1.30 mins on the call and several disconnects I still did not get my money.. The service was outsourced to poorly connected third world country who were not at all audible or clear in their english. I was put on hold at least 10 times and disconnected several times. They finally cancelled the transaction citing the reason that why am I doing a money transfer when I am in XXXX and can give the money directly? Seriously? The money is in my bank in XXXX not in XXXX How else could I have given money except for a moneygram transfer. I am leaving without any gift to my parents and that means a lot in our culture.. Moreoever Moneygram has the audicity to hold my own money for 12 business days before refunding.. I want the strictest of legal action taken against Moneygram
I have not been a member of XXXX since XX/XX/2008. This company continues to try and collect on this debt at this time EVERY year. They threaten to ruin my credit report if I do n't pay. This is the literally the XXXX time I have received a letter demanding payment. I have contacted XXXX and they have confirmed that I DO NOT owe them any money.
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
I recently checked my credit report and noticed a collection account from Enhanced Recovery Company. I have no knowledge of this debt and never received a notice of right to dispute. I did send a dispute letter as soon as I was made aware of the account. I have note received a response from the company.
In the letter I am asking for proof of ownership of this debt and proof bearing my signature or contract with ERC. I do not want bills sent to me but tangible proof that would be upheld per my rights under the fair debt act.
XXXX credit reporting agency dropped Ocwen Loan Servicing , LLC from my credit file, stating in their answer to CFPB case number XXXX I filed that Ocwen Loan Servicing , LLC account was reinserted on the credit file on XXXX/XXXX/XXXX. Please contact Ocwen to see why the account is no longer reporting and to see if they can report the account on your credit file. XXXX is still reporting the outdated information Ocwen submitted to CFPB case number XXXX in answer to my complaint filed in XXXX XXXX. Per XXXX XXXX, Consumer Account Analyst, Office of the Consumer Ombudsman, Ocwen Loan Servicing , LLC response in this case number dated XXXX XXXX, XXXX, Ocwen electronically reports information to the credit reporting agencies on a monthly basis. However, as of XXXX XXXX, XXXX, Ocwen has not sent any updated information on my mortgage account XXXX to any of the credit reporting agencies. I called Ocwen Loan Servicing , LLC at XXXX on XXXX XXXX, XXXX after talking with a representative of XXXX. I spoke with XXXX who gave me identification number XXXX. She verified that the account in fact had not been reported since the above mention date. XXXX was to contact me within XXXX working days. To date, I have not heard from XXXX with Ocwen and the account still show that Ocwen has not sent updated credit reporting information. I am uploading the credit reporting information I got from my Ocwen account online, plus correct information that shows the account is paid each month as agreed.
In XXXX XXXX The city of XXXX XXXX had a major hailstorm that caused damage to many of my possessions, one car was beyond repair and I needed to replace it. When I went to replace it, I found that my credit report had been given negative reports by a bank, XXXX. I had had many conversations with this bank, as it is online only, and my daughter had a truck on a loan through them. The bank was impossible to deal with as most of their help did not speak English well. I was never given any alerts or notifications of late payments, but they said two were late. These were paid and I moved the loan to XXXX XXXX to get better service and a better interest rate for my daughter. I also had to replace another car. I managed to get this done with a decent rate and payment. But now over a year later my credit is still the same and nothing has changed and XXXX and Equifax are impossible to deal with, there is absolutely nothing wrong with my credit, I have zero issues and my credit uses are well within acceptable levels but these two companies are like slave owners, as a citizen of America, it should be illegal for them to give a person a rating with no real justification for it, and no deep explanation of the reason, they need to be responsible for their actions and how they affect people. I had to acquire a car through no fault of my own yet I am still paying for it in a less than stellar credit rating by corrupt businesses that can not explain or correct their wrong doings. I am tired of being chained by two companies that are in the business of selling peoples lives - it is modern slavery and the government needs to put an end to it.