WillisBack/dataset-financial-user-claim huggingface dataset:
Complaint again st Ocwen Financial Corporation Date   XXXX / XXXX / XXXX  It is with some urgency that I write to you about  Ocwen Financial Corporation.  Apparently, they hold a Deed of Trust against my property at  XXXX   XXXX   XXXX   XXXX ,  XXXX  Ca  XXXX  and appear to be unwilling to remove this lien even though I have never held a mortgage with this company and do not owe them a penny.   On  XXXX / XXXX / XXXX  my wife and I signed documents for a mortgage with a company called  XXXX   XXXX   XXXX  but then was offered a better mortgage package at a much better interest rate with   XXXX   XXXX   XXXX   a day later. I then rescinded the mortgage with  XXXX   XXXX   XXXX  within the 3 days allowed and the mortgage was never funded but they still went ahead and filed a Deed of Trust against my property without cause.   XXXX   XXXX   XXXX   went out of business later that year.  Ocwen Financial inhe rited some of   XXXX   XXXX   XXXX   book of business and the lien was transferred from  XXXX   XXXX   XXXX  to  Ocwen Financial.    I have never had any business with  Ocwen Financial,  they do not have me in their system, and they have no account number or any knowledge of any existing debt to them owed by us. Our home loan with   XXXX   XXXX   XXXX   was sold to   XXXX   XXXX   who is our current lender and holder of our legitimate lien.   My wife and I are currently refinancing our mortgage with  XXXX  and when they did a title search six weeks ago,  XXXX  found this second lien. There have been repeated attempts over these last  six  weeks by  XXXX   XXXX  of   XXXX   XXXX   (  XXXX  ) to get Ocwen to remove this fraudulent lien. After sending faxed documents and emails confirming that they have no legal right to hold a lien against our property, there has been no response. I was just notified last week of this situation and tried callin g Ocwen Financial pe rsonally.  XXXX  ( #  XXXX  ) assured me that they would respond within  24-48  hours, which was the same response  XXXX   XXXX  received. I have no confidence that I will be treated any differently.   My wife and I are supposed to sign final documents for our refinance on  XXXX   XXXX ,  XXXX  to secure an affordable monthly payment. The lien held by  Ocwen  is preventing our closing of the loan on that date and the new payment without the refinance will put a significant financial strain on the household. This Lien also takes away the option to sell our property if needed.   Resolution.   We ne ed Ocwen Financial to remove this lien within the next five days for us to close the  refinance with  XXXX  Mortgage. If they remove it past that time, then they should reimburse any out of pocket expenses due to not closing the refinance with  XXXX  by  XXXX   XXXX ,  XXXX .  Ocwen Financial Lien Release  Department had  6 w eeks to resolve this issue and have completely ignored our repeated request to do so.
This report stated that the PNC account is 30-59 days past due and that is incorrect
I 'm not really even sure who the original lender is. All I know is on XX/XX/XXXX my paycheck was garnished and I never received any notices. I got a letter with my pay stub saying midland llc garnished me. I did a little research and apparently some company by the name of XXXX was suing from XXXX. Never dealt with them before. I called midland and they gave me another number to call but they never answered
I am a XXXX with credit score ( FICO ) of XXXX and credit utilization of less than 2 %. My credit history is since XX/XX/XXXX. I have never been late in making payments responsibly inmy entire life.I earn close to {$480000.00} annually and am a credit worthy customer. 

10 days ago, I applied for credit card for XXXX XXXX company as I had become their customer as of XX/XX/XXXX and obtained insurance on my three XXXX XXXX cars and three XXXX  XXXX vehicles and our personal property. The card was through XXXX XXXX of XXXX Ohio. I wanted to give my full loyalty and business. 

Today, on XX/XX/XXXX, I received a letter from XXXX XXXX that I have been declined for credit citing reasons that I have high credit utilization and low level of authentication indicating identity fraud. 

Bank never confirmed my income as a XXXX working for more than four XXXX and serving as XXXX XXXX who was trained at XXXX and has never had a negative credit event. 

I tried to approach te bank however as you can see from the attached letter that bank does not publish its phone number. I called the bank and its representative refused to give me phone number of the approval/denial department citing that I need to call XXXX which we all know, does not make creit granting decisions. 

I believe that bank violated Federal laws under Federal Equal Credit Opportunity Act and State laws in Ohio which prohibit discriminationagainst a person of foreign descent who is a US citizen. My last name is the reason for refusal of credit. XXXX XXXX failed to comply with teh laws that require that " all creditors make credit equally available to all credit worthy customers.
I HAVE A COLLECTION ACCOUNT THAT DOES NOT BELONG TO ME. I HAVE NO CONTRACT WITH XXXX XXXX XXXX,
I noticed a debt in collections on my credit report, back in  XXXX . The medical bill does n't belong to me and I have not had an medical visits around that time. I then disputed the charges to all credit agencies. All three agencies held investigations, all three then concluded the charges were incorrect. I then contacted Commonwealth financial the creditor to inform them of the mistake. They agreed in  XXXX , after conducting their own investigations. But are now still knowingly reporting false debts on my report.
I sent a dispute letter to Experian back in XXXX after reviewing my XX/XX/2018 credit report. I noticed a bunch of inquiries that I never made so they are unauthorized. I sent a a dispute letter with identity theft documents and I never received any correspondence from experian. I want these unauthorized inquries removed from my credit report immediately.
In the year of 2013, I contracted XXXX as my cell phone provider with XXXX phone lines. 
As time went out I realized that XXXX had not a good cellphone coverage where I live, I contacted customer support and was given the run around, they told me that I could cancel. Never told me that I had to pay for the cancellation of the lines. 
Next thing you know, I started getting harassing calls from Debt Collector trying to collect {$1500.00} for cancellation. The caller gave me a settlement for $ XXXX put me on a payment plan that everytime I would get paid the money would be taken out in which I agreed. 
after paying the {$1000.00} I noticed that they continued to take out an extra {$200.00}. I called and asked them why, and they said that since I did n't pay the account in one month the settlement would have been cancelled- they failed at telling me this. 
Now I have a balance of {$350.00} and sent me to collections which has affected my credit- they lied to me so for a {$1500.00} I paid {$1200.00} which was {$200.00} over our agreement and now I 'm in collections! Please help me.
I currently have a mortgage with USBank. I recently had an escrow shortage and i made a partial lump sum payment to catch up. I made a XXXX XXXX payment of {$1900.00} which also included a catch up payment. For XXXX XXXX USBank was still showing that I needed to make a payment of {$1900.00}. I called them on or around XXXX XXXX in order to discuss this payment being a little high. They agreed to do an escrow analysis and found my XXXX XXXX payment should actually be {$1600.00} which I agree ( An increase from {$1100.00} which I was paying ). They said they would send a new bill and correct the information online. On XXXX XXXX ( the day before my due date ) their website still displayed a {$1900.00} required payment. I called them again and they agreed the issue should have been handled already and that they would escalate to a senior customer service rep and that it would be fixed that day. Today is my due date and the website still has not updated ... .it would not allow me to make the correct {$1600.00} payment online ... .it still wants an incorrect {$1900.00} payment ... and to make matters worse there is now a {$5.00} " Online Payment Fee '' attached. I believe I 'm being incorrectly overcharged on my escrow and USBank has now had XXXX service call opportunities to correct this issue which they have not done. I feel I have made XXXX efforts in good faith to make this payment but I do not feel that I should " donate '' an extra {$300.00} to them. On top of that I do not feel I should be charged a {$5.00} fee simply because the website will not allow me to make a correct payment. What other options do I have to compel USBank to make the changes to my monthly payment they have agreed to make????
In XX/XX/2018, there was a charge from a merchant by the name of XXXX in the amount of XXXX charge to my card, that Citibank allowing. I have tried to talk to Citibank and let them know the charge was fraud and not to stop the recurring monthly charges. But talking to Citibank wouldn't help. So I decided to file a compliant. I had to cancel out my card XXXX times due to this. And Citibank is still allowing it to happen. I have asked Citibank to stop the transaction, but they will reversed it. and it appear on my statement. Another charge showed up for the month of XXXX. Citibank is not listening at all about what I have to say so I have filed a compliant.
I have a child support case in my history of open/ delinquent accounts. It was for one year in 1998. I was not delinquent on child support payments. I was exempt from this back pay because I was on disability. When my case was transferred to California the original state forgot to share this information & California went after my bank accounts, illegally garnishing disability checks on three occasions. After the third time I was furious! I sent them a legal letter and the case was closed with no money paid or owed. This should not be on my credit report. It reflects badly on me as it may affect my credit score but also reflects badly on me professionally. It should never been reported as delinquent and it should not be on my credit report at all. 
And also, my work does credit checks on new hires and when we get leases through the company. No body I work with knows I had a child as a teenager that I gave up for adoption. It is not ok that the people I work with find out this way.
received a letter asking me to provide my taxpayer id or SSN to them and if I did not, I would be fined by the IRS. The IRS has my correct info, and so does this company!! the letter was dated XXXX/XXXX/15. I have the email I sent to them not to contact me any further on XXXX/XXXX/15 at XXXX. to XXXXXXXXXXXX.
I opened a Macy 's card on XX/XX/XXXX. I just checked my credit report and see that it was closed due to inactivity on XX/XX/XXXX. I was never notified that it was going to be closed. Since it was XXXX of my older accounts, now that it is closed, it has effected the average age of my credit history, which is negatively impacted my credit score. I would like for the account to be reinstated so that my history of good payments can be reflected on my credit report.
I have been making on time payments on my student loans for well over twenty years. Within the last two years I began making inquiries regarding student loan forgiveness for public servants and teachers ( PSLF program ) as I anticipate retirement. I made inquiries with the DOE through my congressman ( XXXX XXXX ).  I learned that my loans were " too old '' and under the wrong umbrella because they were taken out as XXXX XXXX loans ( which are also federally funded loans ). Discouraged at this, I began to ask myself questions that perhaps I should have been asking a very long time ago ... that being : Why is my account balance still so high? Why does the principal seem to stay so high? I 've been paying on time for so long, why do I still have ten more years of payments to make? 
Here is where my problem begins with my loan servicer, Navient. In XX/XX/XXXX I requested copies of the documents that were signed when I consolodated four student loans ( XXXX subsidized and unsubsidized as well as {$14000.00} dating back to 'XX/XX/XXXX-'XX/XX/XXXX ). I received the requested documents on XX/XX/XXXX. As I began to look over the numbers I felt certain things did n't add up. The signed Federal Consolidation Application and Proissory Note reflected a total consolidated amount of {$31000.00} on a form signed by me on XX/XX/XXXX. As I began to consider how long I 've been paying on my loan ( over 20 years ) I began to take a closer look at my account as it stands at this time and what my payment history has been over the years. Therefore, I called Navient and made several inquiries. One of which was an explanation as to how my loan balance could remain so high after so many years of on time payments? I was told in a phone conversation by the Navient representative that I was making " interest only '' payments for a period of six years and my principal was not payed down during that time. I asked the rep to send me a copy of the document indicating " interest only '' payments with my authorizing signature. On XX/XX/XXXX I received a document showing I selected the " Grad Choice ( SM ) Account '' and checked the box indicating " Two years of reduced payments '' and makes no mention of " Interest Only ''. This document was signed by me XX/XX/XXXX. So at a minimum, by XX/XX/XXXX my loan payments would have reverted back to a normal payment schedule. I feel this was a major mishandleing of my account by Navient that has cost me a lot of money. 
As of XX/XX/XXXX my account with Navient is as follows : Balance remaining : {$27000.00} Total principal payed : {$9700.00} Total interest payed : {$21000.00} I believe I have payed beyond what is reasonable in interest.
I sp ent two d ays preparing documents i faxed and mailed out an agreement form at that time because i needed help. I sent the infirmation again. They claim they couldnt help me. Which was just the opposite of the verbal and written notice. Navient is the name of the company.
I graduated from XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. Navient has been sending me multiple late notices a month regarding my account even though my grace period is not over. They started sending communication in XXXX of XXXX that my loan would be due in XXXX of XXXX. 

I have called them more than 3 times and with the wait times have had no time or availability to speak with anyone regarding my account. They have now started to ding my credit score. As I work as a XXXX XXXX  Monday through Friday I call them as I can. Yet they have no weekend hours for me to call and the wait time has been upwards of an hour.
I summit a application for a loan modification loan that was suppose to take only 3 months, after summiting different documents that was requested by flagstar bank for nearly a year, and I was told to not make any monthly payments until instructed to do so .well after 1 year I was told that my home was in forclosure and I had 30 days to moved or my furniture will be place outside, so I moved out, after complaining to XXXX and credit consumers trying to get help, I received a letter from attorney that my home was never in forclosure, they classified it as loan modification fraud and I needed to seek an attorney.this bank moved a lot of homeowners out in the streets, they were investigated and was found to have lied to some of there customers, mostly XXXX.then I notified by XXXX mortgage as to why I moved out my home and that my mortgage was turned over to them, I 'm still devastated and embarrass, I have never been late with my payment to Flagstar Bank until I was told not to send payments .im presently trying to seek help with this embarrassment.now it 's on my credit report.what do I do now? My name is XXXX XXXX, vs Flagstar Bank.please Help me Thank you
I have a loan from Ditech. Whenever I pay extra above the billed amount it is not applied to the principal. Last month I sent a {$25.00} payment in the middle of the billing cycle marked " all to principal '' it was all applied to interest.
On Tuesday, XX/XX/XXXX, I received a phone call from XXXX XXXX 's fraud department, my credit card company. Today, Wednesday, XX/XX/XXXX, I contacted the XXXX XXXX fraud department. They indicated that my credit card account was closed by the credit bureaus due to " a fraud application '' .I asked to speak to the manager to gather additional details and they were not willing to provide additional details except for the phone numbers for XXXX  XXXX XXXX XXXX and TransUnion They also stated that there's nothing else that they could do. I have had my credit card with XXXX XXXX for over a year and have been using my card and paying on it regularly, but the credit bureaus closed down my card without my consent.I contacted XXXX first and was unable to get in contact with a person because there were no prompts available to speak to a person. I then contacted XXXX and had he same issues with them. I was unable to get in touch with a person. Next, I contacted TransUnion, and was able to speak to a person, but they were unaware of the account being closed, but in their system, it's still showing to be active. The representative encouraged me to contact the other bureaus, but I already did that and had the most difficult time getting in contact with them and still never got to speak with anyone.
I have been paying on my loans since 2010 and the balances have barely decreased. Tried to make arrangements and the still closed one of my accounts. They have been calling me and my dad ( co-signer ) about late payments even after I paid on the balance. They sent me a repayment amount for the only open account, which I have been paying, and still send emails saying I am delinquent and owe more money. The system will not allow me to make payments each month even though if it is above the amount my monthly payment is. They now tell me I have to pay on the closed account because they still collect money for it even though I have sent money to the debt collector my account was sent to. I have asked for statements and monthly payment requirements but get different answers each time I call. They still have not sent all my statements for all loans, what Ive paid, & the balances due. I cant get into the account online. It always says The account is disabled. I have asked on several calls to them for this to be corrected but they have not fixed the problem.
Scott, Parnell & Associates XXXX attempted to collect {$2400.00} and then sued me for this amount in small claims court. Then they offered to settle with me for {$2500.00}. At trial, they tried to collect {$2400.00}. They clearly violated the FDCPA and the Texas Finance Code by attempting to collect different amounts. Plus their actions, as attorneys, violated the statues by not paying attention to the lawsuit they filed against me.
FRAUD : The XXXX Trusts never operated and never received any investments dollars or any startup funds. They exist only on paper. There is a blizzard of paperwork, forged and fabricated assignments, endorsements, backdating, etc. The " pass-through '' characteristics of the XXXX Trust is not operating either.
XX/XX/XXXX Re : Conveyance Modification with Ocwen Loan Servicing XXXX XXXX XXXX LOAN # - XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Good afternoon, I 'm filing this complaint/request for assistance with regards to the mortgage that I have been performing on, for the last four years. My mother, XXXX XXXX XXXX XXXX away in XX/XX/XXXX and I have been performing on this loan, with Ocwen Loan Servicing, ever since. 

Unfortunately, I did fall behind on my payments and I 'm trying to initiate a Conveyance Modification dialog - to put the loan in my name and continue to move forward. Because I 'm not authorized, Ocwen wo n't even discuss this situation with me, however, they 've cashed every payment that I 've sent them, since XX/XX/XXXX. On XX/XX/XXXX, I was granted a probate hearing for XX/XX/XXXX, to assign me as XXXX of the XXXX. 

This hearing is the day AFTER the scheduled sale date of our home. We 've submitted the hearing information to Ocwen, but do not have a means by which to confirm that they have postponed the sale, in order to allow me to be assigned XXXX of the XXXX and engage them in a Conveyance Modification. 

PLEASE assist us with this!! My daughter and her child live here with me and I 'm an elderly citizen, who wishes to keep a roof over my head! 

My contact information is - XXXX XXXX XXXX and the Probate Trial information documents are attached. 

Thank you for your help!!
I signed up in XXXX for an email {$200.00} debit card promotional offer ( for having a credit card. ) i was told I could do ONE OF the followings, have a {$500.00} direct deposit for 3 months, maintain a {$3000.00} balance OR use the card for 10 different transactions spending {$1.00} or more 3 months in a row to be eligible for the reward. 

I open XX/XX/XXXX and completed my 3 months and started contacting them. Called 2 times in XXXX to be told I would receive it. Got a letter from promotional offering saying I didnt meet the qualifications. Called XX/XX/2019 and they said I had to go talk to a banker in the store. Went in and she updated my tax info and said Ill get it within 4 business days. Called again a week after that and was told they would submit a credit to the credit department who sent me a letter saying I did not meet the requirements. They lied to me about the promotional and they are a joke. Ive spent hours on the phone with them trying to get my promised credit and wasted time. I have even talked to a surpervisor during one of my calls for her to tell me she cant do anything and I need to be transferred to a different banker- who couldnt do anything because it was the online tech support department! Horrible customer service.
I am a victim of identity theft and have 3 fraudulent and unauthorized credit card accounts that arent mine, and dont belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX, {$12000.00}, XX/XX/2017, XXXX XXXX XXXX XXXX, {$380.00}, XX/XX/2017,  XXXX XXXX XXXX, {$3.00}, XX/XX/2017, the following hard inquiries arent mine and dont belong to me : XXXX XXXX XXXX, XXXX, XXXX Consumer Affairs. My 2 U.S. Senators from Arizona, XXXX XXXX XXXX and XXXX XXXX, is investigating this matter as well on my behalf. XXXX XXXX XXXX and XXXX XXXX sent me a letter informing me they considering calling Congressional/Senate Confirmation hearings for XXXX XXXX, XXXX XXXX, XXXX, XXXX and Trans Union Executives to appear before Congress to answer to my complaint and other constituents in their district who have similar issues/complaints as well.
Yes XXXX XXXX on XXXX XXXX XXXX in XXXX tx keeps harrasing me and my references after I told them the only contact I want from them is by mail at XXXX XXXX XXXX XXXX XXXX tx XXXX. As I am currently seeking employment to pay them back. I do not have any income to pay on this loan now.
LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX , XXXX is attempting to collect a zombie debt. Original creditor was served a cease & desist several years ago. I want all communications from any company tied to this debt to stop. I also will require them to pay me {$24000.00} ( the amount they are trying to extort from me ) as a penalty for practicing illegal collection tactics.
I have a collection dept through Amsher Collections that I learned about while checking my credit score. I did not recieve any notice at all. The dept originated with XXXX. I could n't get any information from either place. The Dept is for XXXX and I do n't know what it could be for. It might be for a reciever box which I never got.