WillisBack/dataset-financial-user-claim huggingface dataset:
My loan was purchased by Ocwen from XXXX ; this is after my loan had been sold several times before. It was originated at my local bank and sold to XXXX XXXX XXXX XXXX who went bankrupt ; XXXX froze assets and totally made a mess of auto-debits and escrow. However with all the bedlam every time my mortgage was sold, my loan payment was never deemed late AS it was in the aftermath of the XXXX bankruptcy or any other loan servicer. The sale upended my autodebit payment and escrow balance every time. When Ocwen bought my mortgage XX/XX/XXXX ( I believe ) I was simply notified by mail and the uproar began again ; making sure everything was in place did not go well with Ocwen. After the mortgage was sold it was next to impossible to get any service or a person on the phone. This was not because Ocwen had a sophisticated phone system ; it was because the same man came on the phone every time & knew nothing. lt sounded more like an upstart company manned by one fraternity brother left to manage the concession stand than a professional loan company. My auto debit was upended multiple times causing the 30-59 day late payments on my credit report. I did not miss any payments through any fault of my own, it was the poor system Ocwen had in place. There are 4 late payments on my credit report and then a tax lien. IF my homeowners insurance and taxes were being paid by Ocwen as they should have been there would be no late tax payments OR any need for local people down on the square at the courthouse to place a lien on my property. I ONLY know anything about the tax lien because it, along with the supposed late payments, because OCWEN is harming my credit! I had a large loss House fire XX/XX/XXXX and I lost much of my paperwork ; SO I can not produce Ocwen paperwork ; I do however have the lovely tax lien during their tenure with my mortgage. I thank God for Ocwen NOT being my mortgage holder when the fire happened ; I shudder to think how they would have handled the whole thing. I want Ocwen to do the right thing and own up to their fault in my late payments AND remove the blot on my credit. They were a nightmare that just continues ; I have disputed this blot and tax lien several times through the credit bureaus to no avail. I was widowed XX/XX/XXXX and I have managed my household and paid my mortgage all this time ; I as a consumer, and a widow and a veteran deserve better for being a good homeowner and paying my mortgage. I hope something will make them do the right thing, apparently they have acted wrongly with other consumers. 
Thank you, XXXX XXXX XXXX
I have been trying to get either a loan modification or an alternative for foreclosure since I got behind on my mortgage payments. However,  Ocwen Loan Servicing, LLC ( hereinafter " Ocwen '' ), my lender has not made the efforts to he lp me. I have submitted a complete loss mitigation package by  XXXX   XXXX ,  XXXX , at le ast 8 busines s days before the schedule sale. But,  Ocwen  asked for more documents that they already had in their possession around  XXXX   XXXX ,  XXXX . On  XXXX   XXXX ,  XXXX , I received an email telling me that it is impossible to stop the sale date because there is not enough time for a review. My husband and I have settled the second loan. Please see related information regarding this second loan settlement. We can work on a short sale or a deed in lieu of foreclosure now that the title is clear. However, we need our lender to allow more time to explore these options.
I disputed with Experian a collections account that was placed on my report by a company called XXXX XXXX XXXX ( opened as of XXXX XXXX ). I have never heard of this company nor had any business or contact with this company other than this entry showing on my Experian credit report. I only found out about this entry due to an alert from my credit monitoring site showing that this negative item was placed on my Experian credit bureau. 
I do not believe that Experian conducted an adequate and fair investigation. 
The only response I get from Experian is " Outcome : Remains ''. Why is there no reasonable response, documentation or explanation of what process or evidence was used to determine this is in fact is a legitimate debt and that it belongs to me? If feel like it was just an automatic take the collections company side situation. Was there an investigation completed? I also sent a request for validation to the company XXXX XXXX XXXX and I did not get a response. 
I believe that these are unfair practices and in no way supports consumers in their right to dispute information on their credit reports and in their effort to determine if said items are actually valid debts so they can be taken care of. I would like this investigated and seen to it that the credit reporting agency is operating in a legal fashion. And, further I would like this removed from my credit reports as it is causing me a great hardship on my otherwise good credit standing. As a result of this my livelihood is being impacted as well as my ability to fairly obtain reasonable loans and credit products.
X/X/17 Experian experienced a cyber security failure exposing my personal information to unauthorized use and potential identity theft. 

I have verified through Experian 's website that my personal information was indeed accessed. I did NOT sign up for their free services. 

I intend to place a fraud alert on all of my accounts. This will cause a significant issue accessing needed funds. 

I believe a I am entitled to fair restitution and believe CFPB should persue a case against Experian for these failures to secure our personal information.
Someone subscribed to XXXX XXXX using my name, phone # and SS #. The address is a XXXX MI address and I live in XXXX MI. I am getting calls saying that I owe {$1100.00} to XXXX XXXX and the calls are coming from Receivables Performance Management. 
After getting these calls I checked my credit report and see that XXXX XXXX had done a credit check on me before opening this account. I wish I would have noticed that earlier and informed them that this was not me requesting service from XXXX XXXX. 
I do not live at the address that is subscribed to XXXX nor do I know anyone who lives there. The email address that was used was not my email address and that is why for the last year I was not getting the online bills.
I paid a Gap Visa bill in  XXXX    XXXX   on the phone via  XXXX  Credit Card Customer Service. I double checked my account online to make sure the bill had been paid and my balance showed  XXXX . Then, I received an email about an overdue bill charging me late fees. I called Synchrony Bank who manages this credit card and they said my payment was denied because of a problem with my checking account number. I asked that the late fee be waived since I was not notified of this problem and Synchrony Bank would not even consider waiving the fee and just demanded I pay them the debt which had since accumulated several  XXXX  dollars by the time I received the email. I am hesitant to pay because I have had to call customer service about   XXXX   times now for this  XXXX  charge and keep getting emailed about the same bill needing to be paid only now with additional costs of late fees. I 'm afraid to pay Synchrony Bank because it seems like a scam, they do n't have any of the facts about my account, and are rude and abrasive on the phone. I am now getting notices that I owe {$250.00} in $  XXXX /billing cycle late fees which have been piling up since  XXXX  despite my attempts to resolve the issue. Gap shut down my credit card and wo n't take any of my calls. I 'd like to dispute this debt and make sure  my Gap Visa is entirely shut down as I 'm worried this experience is damaging my credit score.  Please help!
AllianceOne lists XXXX bills in collection for XXXX debt greatly impacting my credit score. When contacted to dispute the accuracy, they refused to remove the duplicate items. They list almost {$1000.00} in XXXX separate medical debts from XX/XX/2011, when there was only XXXX debt for XXXX the amount.
I am writing this complaint to disclose my unfortunate circumstances. I have financial hardship and going through lot of problem in my life. I felt behind my mortgage and I can not afford to pay mortgage. I am trying to do a short sale on this property and the servicer of this loan is Ditech financial LLC and they have completed a full appraisal of the property on XXXX/XXXX/2016 and the valuation came back as $ XXXX. My authorized third party have submitted an offer for $ XXXX more than a month back and this offer is more than 95 % to their value. Since then neither me or the authorized third party are being helped by the servicer and they are not also providing any clear status update on the file. Not only that they also tried to restart the file from scratch 3 times without any legitimate explanation. They are negotiating this account in bad faith and depriving me from my rights to get ride of my debt via short sale. Please take immediate actions and help me complete short sale on this property.
I got my XXXX call around XXXX XXXX. I was up so answered it. I told the lady she had the wrong person. Now every weekday, I receive a call anywhere from XXXX. to XXXX. I have had at least XXXX of them. I have not received any written mail from this company. When I try to call back I am asked to give a case number that I do n't have, and then can not get to talk to anyone.
In XXXX I applied for and received a XXXX XXXXXXXX XXXX  Credit Card with the understanding that I would start payment in 6 months but billing started immediately. I tried unsuccessfully to change the terms with XXXX XXXX XXXX   based on what I felt was a BAIT & SWITCH Scheme. XXXX XXXXXXXX XXXX did not agree but they stopped billing me. The item was placed in collections and has since been on my credit report. AT THAT TIME I WAS UNAWARE THAT IT COULD HAVE BEEN DISPUTED. I eventually disputed it in XXXX and was informed that it would be in XX/XX/XXXX but XXXX XXXXXXXX XXXX sold the account to XXXX XXXX and created what appears to be a recent collections item. XXXX XXXX has placed the item on my credit report, significantly reducing my credit score by 26 points for a debt that is over 7 years old and one that they have not yet billed me for. I have disputed the matter with XXXX and XXXX XXXX and they both confirmed that the debt would be removed in XXXX but I believe because of the mitigating circumstances, it should be removed immediately. Thank you for your consideration in helping me resolve this matter.
Client was evicted from an apartment after rent was withheld because of livability issues. The eviction went through the court process and a judgement was entered for {$1300.00} plus court costs. On the credit report, a separate debt collector is attempting to collect {$3700.00} for the same incident. A debt collector should not be able to collect on a debt that has already gone through the court process and furthermore they should n't be able to ask for an amount that is exponentially higher than the judgement amount.
In XXXX of 2000 I was a client of XXXX XXXX of XXXX a subsidiary of XXXX XXXX. Myself along with approximately twenty other clients had their social security number and all other personal information stolen from XXXX XXXX of XXXX. XXXX XXXX paid for a service to help remove all of the incorrect information but none of the incorrect information was removed. In XXXX of 2000 XXXX California Sheriff 's department seized a storage locker that contained names on this list along with a locker full of stolen property. For the last 17 years I have tried to correct my credit report with no luck. XXXX, XXXX and Equifax use their incorrect information as security questions to log onto their websites. I do n't believe you can contact these companies by phone if you are not a bank. When I have used the mail and submitted their paperwork to remove incorrect information I have had no luck. I am the main earner in our house hold and we where forced to purchase a house in my wife 's name due to this incorrect information. It is frustrating because this information was stolen from a bank and they pay for this service that can create so many problems.
In a nutshell, I had a XXXX bankcard credit card years ago. Hit somerough times and could not pay, on time. I asked that account be closedI was offered a settlement. I was told that if I paid the agreed amountthat the account would be reported as " Settled in full '' to the creditreporting agencies. *SEE ATTACHED LETTER dated XXXX/XXXX/2013 XXXX. I paid them, per their terms, and received confirmation of acct. 
was settled. Two years later, while reviewing my credit reports, I seethat all XXXX CRA 's are reporting this NOT as " Settled in Full '', as were theterms, but are reporting : " charge off '', no mention of any settlement, and " settled for les than full balance ''. THIS IS NOT THE SAME THINGAS THE XXXX WORDS I WAS PROMISED- " SETTLE IN FULL ''. I did nonot agree to " settled in full, for less than full amount '', or any similar term. 
I called XXXX about this last week, and was told they have nothing to do with how the XXXX CRA 's report on this. This was a bold lie, as XXXXwould be the one to give the information out to TransunionXXXX. 
to release the information concerning payments.
To Whom It May Concern : The creditor SYNCB/GAP, did not present a contract ( VERIFICATION OF DEBT ) as requested in XX/XX/XXXX 2017. Also, one complaint has already been made with no resolution. The creditor has reported an inaccurate and unverifiable derogatory mark with all 3 credit bureaus. SYNCB/GAP, failed to provide the required verification of debt within XXXX days of receipt of the initial CFPB complaint that was received, which is a Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) and Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). Proper verification is a signature and verification that I have a contractual obligation to pay them as the Debt was written as loss to the creditor. For purposes of this subdivision, reasonable verification shall include documentation of the name of the original creditor, the name and address of the debtor as appearing on the original creditors records, the original consumer account number, a copy of the contract or other document evidencing the consumer debt, and an itemized accounting of the amount claimed to be owed, including all fees and charges. I am again stating that the debt is not mine and that no proof of my signature has been provided to verify this debt.
I spoke with a representative at TSLHS XXXX : XXXX and requested information on the XXXX XXXX XXXX program for repayment options. The rep explained he could review my info and suggest whether I would qualify and send paperwork for the fee equal to one student loan payment ( {$640.00} ). They sent the paperwork. I completed and filed with Department of Education. They then informed me that all their paperwork and services are 100 % free and that I had paid a 3rd Party who is not in any way affiliated or authorized on their behalf to distribute paperwork to send me free documents. 
I called TSLHS to request a detailed explanation and refund based on ethics and a lack of verbal communication of this info and was denied. They simply routed me back to their website which explains things in detail. However, I was not explained this on our call and it is unethical to fall back on disclaimers posted on a site when the contact was via live call. 
The rep at TSLHS created such a sense of urgency within our call that when I asked if I could mull over the offer ( sending me paperwork via mail for {$640.00} ) and do a little research, he indicated to me that I should rush on my actions because once XXXX became president the Forgiveness Plan ( XXXX XXXX XXXX ) may no longer be available. So I completed the paperwork on the call. 
I am disheartened that a company would take advantage of people like myself who are only seeking to pay their student loans. It is assumed ( generally speaking ) that loan details are confusing for many and they prey on that fact. If at any time he would have explained that I could download forms on my own or directed me to the disclaimer on that call, I never would have spent my rent money on their " service ''.
Ocwen Loan Servicing is a white collar crimes slimy operation with several legal troubles because the slimy operation and its shady lawyers are using forgery and fraud, manufactured documents, slander of title, malicious threats, violations, embezzlement, manufactured force place insurance policies, false principal balance, false payment history and other fraudulent fronts, and then uses its cozy relationship with slimy white collar crime operation XXXX and the XXXX XXXX XXXX as a weapon against me committing fraud in the county recorders office slandering my title threatening me with the illegal seizer of my home claiming to have person knowledge and have reviewed all the phony fraudulent manufactured documents using malicious threats threatening the loss of my home if I don't pay the pretender lender loan servicer hundreds of thousand of dollars in increased principal balance balloon payment loan modification releasing shady Ocwen from liability. For once, XXXX XXXX is correct we will address all of these fraudulent fronts with evidence before a grand jury, the California State Bar, the City of XXXX XXXX and the Police.
M & T  Bank issued auto loan to  XXXX  yr old working woman for  XXXX   XXXX   XXXX  in  XXXX  from   XXXX      XXXX   in  XXXX  NY. Would not take automatic loan payments deducted from paycheck, kept adding late fees and charges even though payments were being made with much struggling. They repossed in  XXXX  for  2  missed payments due to illness, at a cost of about  XXXX  dollars in repossession fees. Had ca r 2 yrs  and transmission went 2 times but not covered due to milage, about  XXXX  dollars total. Pleaded w/bank to lower payments but they just added costs and interest and late fees. They made a predatory loan to a person that just needed a car for work but only had a trade-in to work with. Will end up paying  XXXX  dollars for a  XXXX  dollar car all because  M & T  Bank and  XXXX   XXXX  saw a working class poor person in a vunerable situation.
XXXX   XXXX  Credit Card is reporting incorrect contact information on all   XXXX   CRA 's. Dispute letter mailed to  XXXX   XXXX  at the address listed on all   XXXX   reports  XX/XX/17   . This letter was returned " un-deliverable ''  XX/XX/17   . Photo copies of the letter showing the United States postal service could not deliver the letter along with a letter requesting the information be removed due to inaccurate reporting to all   XXXX    bureaus  XXXX , Experian, and   XXXX   on  XX/XX/17   . All  XXXX  have responded as  " Verifed '' ac count information yet all   XXXX   still list the incorrect mailing address for this account.  XXXX   XXXX  sent me a letter with their correct address in the return section of this letter. Due to the inaccurate reporting of  XXXX   XXXX  and the CRA 's this account needs to be removed from my report.
There was a debt of {$4900.00} from Citibank-Best Buy in XX/XX/XXXX. XXXX XXXX contacted me and setup a payment arrangement of an initial payment of {$1100.00} and {$200.00} per month in XX/XX/XXXX. These payments were automatically taken from my account from XX/XX/XXXX - XX/XX/XXXX.  The account was closed and no additional charges were made to the account. After these {$200.00} payments for 18 months my balance was still {$4500.00}. Citibank-Best Buy would not let me make payments to them and insisted on me working with XXXX XXXX. During this period my account was charged a monthly {$35.00} late fee, even though XXXX XXXX set up the terms of the payment. I have tried to contact XXXX XXXX and Citibank-Best Buy over the last 2 years with no success. There has not been any written or verbal communication as to why this has not been resolved. My last all to Citibank-Best Buy, the customer service rep just told me it was a valid balance with no explanation why that determination occurred. There is also no one at either XXXX XXXX or Citibank-Best Buy willing to review my dispute in detail with me and perform the appropriate investigation to status my account appropriately and remove the incorrect balance. The last time I contacted the Citibank-Best Buy customer service the representative made the following comments to me. " Everyone in the world knows how a credit card works '' and " This has been going on awhile, You just need to pay the balance ''. 

I have detailed and sent this dispute 3 times to Citibank-Best Buy and the Collection Agencies.
Extremely poor advising service with regard to a mortgage modification process. Poor overall communication and support. Inundation with multiple duplicate forms.
A year ago I started getting phone calls at home for someone not living at my home. I told the first caller there was no one with that name at my home. The calls continued, but I never answered and turned off my answering machine. On XXXX XXXX XXXX, I received mail for the unknown person, which was a collection notice from ERC, a collection agent for creditor XXXX XXXX XXXX XXXX. My city does not have XXXX as a provider for any utilities. I logged a complaint with the XXXX, since the local police could not assist as identity theft had not occurred. I have been receiving aggressive phone calls from several different callers as the debt may be going from one collection agency to another. On or about the week of XXXX XXXX XXXX a second letter addressed to the same unknown person was sent to my home address and I returned the mail to the sender unopened.
In XX/XX/XXXXI 've experience some water damage to my property my insurance company was XXXX. Over time of investigation they did release {$27000.00} which were to be broken-up in 23 payments of {$9100.00}. My 1st draw came to me in XX/XX/XXXX around the XX/XX/XXXX I hire XXXX XXXX XXXX XXXX to replace the damage carpet in the home.The amount to replace came up to {$3900.00} because that check came in their name and my name ocwen did not have a separate check for them for the {$3900.00} and XXXX XXXX XXXX would not sign off on the {$9000.00} check so I have to give them the whole check when problems occur with the contractor XXXX XXXX XXXX XXXX the price of the carpet to over {$6000.00} I chose not to use them but them would n't give me my money back. Because they thought Owen would Sue after speaking with ocwen said it was OK for them to give me the money back But our current would not tell them bad nor write a letter stating that so I did not receive the money back So XXXX XXXX still has the {$6600.00} and had it since XX/XX/XXXX And I try to get it back but they will not give it to me So moving forward I asked ocwen what can I do to we see the next draw in order to finish to work on my home they gave me an option to send in some documents which include it receipts from work I 've already done myself an proof that I try to get the money back from XXXX XXXX.After sending the information ocwen order an inspection the inspection prove that 50 % of the work in the home has already been done .The importance of that number is because each draw was based on a percentage of the work done so if 30 % of the work is done on the 1st draw then the next draw was supposed to be release so Owen sent me a check for {$3600.00} not the amount of the next draw what they sent to me was the amount of what I 've already spent in my home that 's not the correct procedure And also sent me a letter stating that when I 'm done doing all the work on the home myself an inspection is done then they will send me the rest of the money that 's not how it 's supposed to be done the insurance money is supposed to be sent to me to do the work not my own money to be used.