WillisBack/dataset-financial-user-claim huggingface dataset:
Ocwen Loan Servicing is reporting a negative balance on my credit report. I do not owe Ocwen any money and have no business with this account.
I have never had any contact with this company in my life and I now just found out that they had put negative information on my credit report. 
Please help
I am a current client of Navy Federal Credit whom experienced fraud on my account since April. I filed a debit card dispute, police report and reported whom I believe is the suspect in such case and my claim was denied. There were checks submitted to my account that I did not authorize and filed a secondary claim and that two was denied. Neither cases was I informed of the reason for denial. I have filed a complaint with the Federal Reserve, FDIC, and Federal Trade Commission against Navy Federal Credit Union in regards to such because as a victim of identify theft, my account has not been protected according to the FDIC regulations. 

I followed all protocol and the issue has yet to be rectified and my account is threatening to be charged off. This is unfair to consumers of such actions done unbeknownst to them and without authorization.
My information has been included in the equifax hacking on XXXX/XXXX/XXXX
I filed a Chapter XXXX in XXXX XXXX. The bankruptcy attorney told me that before my petition could be filed, I had to surrender collateral. I owned a property in another state. I surrendered the property and my petition was filed and confirmed. During the course of the bankruptcy period, XXXX XXXX XXXX sold my loan to Selene Finance in XXXX. I thought since I surrendered the collateral that released me from all rights, title and interest in the property in XXXX, which meant that I should have been removed from the title and deed of the property. That was not the case and now Selene is foreclosing on the property. They have promised that the foreclosure would not appear on my credit and that my name would be removed from the title and deed. This process should have taken place in XXXX and not now. I am requesting that they stop the foreclosure and do a quit claim deed or deed in lieu of foreclosure. If not that, how much would it be for a possible settlement to get a release?
I HAVE A LETTER STATING THEY WILL REMOVE ANY PAST DUE AMOUNTS AND HISTORY
I applied online for a 5 year moratorium of offers of credit and fromally mailed in permanent opt-out on XX/XX/18. On XX/XX/18, I received a credit card offer from Chase for a XXXX XXXX XXXX XXXX XXXX. the Invitation number is XXXX XXXX XXXX. i have called the banks on other offers, but I just get the XXXX treatment, so I felt it is important to do a formal complaint.

The other identifying numbers are XXXX XXXX XXXX XXXX XXXX XXXX   with offer code XXXX
On XX/XX/2018, a hard credit inquiry appeared on my XXXX XXXX account. The inquiry was noted to be through a subdivision of XXXX XXXX ( XXXX ). Some investigating revealed that this is PayPal through XXXX XXXX. 

I contacted XXXX XXXX and I was advised that there is no record of anything ( not even an application ). I was advised to contact XXXX  to dispute this. 

I contacted XXXX  and confirmed that there was indeed a hard inquiry on the date in question. XXXX  stated that they needed the date that the application was completed with XXXX XXXX  as well as permission from XXXX XXXX to remove the dispute. I contacted XXXX XXXX and was advised that there was no application but a supervisor would send a letter to XXXX  stating that there is no application and no obvious reason that there should be a hard inquiry on my record. 

This was the first week of XXXX and there has yet to be any resolution. I am reaching out to you to see if there is any way you could assist me with this matter. 

Thank you, XXXX
To Whom it may concern. This is in regards to a XXXX 's XXXX credit card ) With XXXX  XXXX I Did not request nor applied for. I XXXX XXXX of Mailing Address XXXX XXXX XXXX, XXXX S.C. XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated it was open on XXXX XXXX XXXX, It went Delinquent on Month of XXXX XXXX. I Understand from XXXX XXXX that They sold the account to a collection agency. At no time Did I receive any correspondence from community During year of XXXX. Only when I started trying to apply for buying a house and property did I find out My credit scores were not up to par. As I was taking care of one thing or another then discovered the debt I had with XXXX XXXX This is the last thing on my records that have hurt my credit at this point. I followed all thee rules to submitting complaints, Investigations Follow ups with calls and correspondence 's. I have taken the correct actions for a reasonable resolution for both parties I have many dates of call and correspondence and times of calls whom to and what departments and gist of calls. and certified letter return receipt signature requested. with Correspondence with XXXX XXXX XXXX XXXX I can provided dates and times of all calls and correspondence if requested. End of XXXX XXXX numerous calls back and forth with XXXX XXXX And XXXX XXXX. XXXX Bank states They Bought The account from XXXX XXXX and XXXX XXXX stated they did not. XXXX refuses to communicate with XXXX and Visa Versa and XXXX XXXX my account is in sales Dept This is on going Bull XXXX and I am tire of putting up with it XXXX XXXX XXXXs wrong for not opening up diologue with XXXX and XXXX the same. XXXX XXXX has declared fraud. and sent number of times to credit Bureau XXXX will not correspond with credit bureaus or XXXX nor will they clear up matter in timely matter. I attempted to work with Local Law enforcement The refused unless XXXX XXXX or whom ever creditor submitted initial investigation first. This I did not wright down date or times on this and this is my fault. XXXX now sending me more paper work, When does this end. I want to just give up but paying what I do not owe will still not clear up my credit. XXXX encourage to file a report with you. 

XXXX XXXX. # XXXX Amount owed XXXX U.S A Dollars Phone XXXX There Address : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX : XXXX 's Account P.o. Box XXXX XXXX XXXX XXXX XXXX ending in XXXX Referance Number XXXX XXXX XXXX and XXXX and XXXX in XXXX XXXX or XXXX
I wanted to stop XXXX ( XXXX ) automatic monthly withdrawals from my checking account and was told by the person at the bank it would cost me {$35.00} each to do this ( {$70.00} ). I told her this was a rip-off. It took her less than XXXX minute to enter the information into the computer to stop these monthly withdrawals.
I received my approval letter from Wells Fargo for a mortgage on XX/XX/XXXX. I 'm on XXXX and have been since XX/XX/XXXX. They kept telling me that I needed a job to qualify. I work a part time seasonal job for the IRS. I usually start work in XX/XX/XXXX, but my job said going forward i will start in XX/XX/XXXX WF was going to give me a XXXX day extension to get a paycheck to qualify when i start next month. Because I can not start until XX/XX/XXXX, they declined my application Friday XX/XX/XXXX and closed it. This was after starting the loan process way back on XX/XX/XXXX. The only debts i have are XXXX credit cards totaling less than {$400.00} between the XXXX, thats it!! And my XXXX is XXXX monthly. I 've paid them {$620.00} for the appraisal and also paid XXXX homes {$1000.00} for a deposit. I knew before even applying that they could use just my XXXX income, but they kept telling me " no '' you have to have a job. Who was I to question the loan officer, they should know this info more than I. I 've had issues with the loan XXXX from the very beginning, by him not answering my emails or phone calls. I complained about my treatment to Wells Fargo 's board of directors on XX/XX/XXXX and have spoken with XXXX XXXX. She was great in following up with me and after that..the loan officer finally sent me an email giving me the steps of the mortgage process, because I never knew what was going on. I sent Wells Fargo an email yesterday stating that I will pursue a lawsuit if they do n't reopen my application and move forward with the loan. She called me this morning because I had left her a panic stricken phone message on Friday, thats the day the loan officer called me to say they declined my application. She was n't calling about the email, but the phone message i 'd left. She said she would try to hunt down that email and then get back with me.
In XX/XX/2018 our XXXX XXXX XXXX credit card account was charged 3 {$150.00} charges related to fraudulent gift card purchases using our XXXX account. We immediately informed the company of the charges and they refuse to honor their supposed Zero Liability fraud protection policy and refund the charges. We've been fighting with them for 8 months now and they are continuing to charge late fees and interest during the investigation. They have also reported overdue payment on my credit report.
On XX/XX/XXXX I applied for a personal loan through SoFi, and the application included my most recent paystub. I stated an income level of {$110000.00} gross ( before tax ), and showed them a weekly paystub of {$2200.00} ( before tax ). That night, a message appeared on their website that stated that a voided check must be submitted to verify my banking information. 

The next morning, XX/XX/XXXX, I attempted to upload this document and the website encountered an error. I contacted customer support, who was able to upload the document for me through a secure messaging system. Additionally, they asked me to provide a bank statement, and I did so. After providing these documents, they were verified, and I was able to sign paperwork for the loan. 

On XX/XX/XXXX, I was sent an email stating there was " one last step : a quick call '' and they would contact me, but the call never came. Five days later on XX/XX/XXXX I was sent another email stating that the application was denied. The website shows that they were " unable to verify income '' despite having BOTH bank statements and my most recent paystub. Having contacted customer support through both email and phonecall, neither was able to provide any additional information on why they were unable to verify my income or the process they used to verify it. I have offered to put them in contact with my employer, but they refuse. 

I strongly believe that they are lying about being unable to verify my income level.
I recently refinanced my mortgage. I was told at the closing that the mortgage payment would be higher because my insurance was being escrowed in. I informed the bank that I already have insurance which covers the property which has been prepaid and will last for the next 2 years. They said they would adjust this but have n't and whenever I call them I get an enormous run around. I 'm being charged at least $ 700 monthly for insurance that I already have. Please help.
I have an auto loan with Regional Acceptance Corporation that I opened in XXXX. I have been paying on this loan for more than 5 years giving them almost XXXX a month. The loan amount was {$16000.00} and they are telling me because of interest and late fees that I still owe them over {$10000.00}. As of last month, I have paid them a total of about {$22000.00}, so they are telling me that I have given them {$16000.00} in late fees and interest. When I purchased this car I felt like I was being pressured and plowed down by XXXX people in an office at XXXX XXXX in XXXX XXXX FL and they found this finance company for me. I am scared they are going to reposses my car which by the way was not even new it was a XXXX when I bought it and only worth about {$12000.00}. I have been struggling to pay for this car since the beginning and I have been taken advantage of to the extreme. I do n't want this on my credit so I continue to pay for it. I feel like I was open prey and that this is very very unfair practice. They have no reason to continue making me pay for this car. They already got the entire sum plus more! Please someone help me. Thank you.
First off please let me re-complain about this corrupt and highly unregulated scam company. As stated before I disputed a fraudulent collection on my account for XXXX  that is not mine. TransUnion and XXXX never sent me anything validating this is my account or that they even did an investigation. Which is a huge violation of my FCRA rights. This collection is the only one on my credit report with TransUnion because XXXX and XXXX actually did a proper investigation and took the collection off. 

Another thing I need to complain about is the fact that Transunion was just in trouble recently for the same thing they are doing to consumers again in regard to intentionally miss leading consumers when they sign up again and not directly telling them they will be charged. If you dont believe me check out all the complaints : XXXX XXXX XXXX This is not right and my husband works for the XXXX as an XXXX XXXX XXXX. I would like this properly taken care of. My next step will be to contact DC representatives.
Citigroup has recently enacted practices that directly violate the civil rights of millions of law abiding Americans.
I, XXXX XXXX filed a complaint directly with the Federal Housing Finance Agency recently directly against Bank of America, and it 's inability to apply the multiple options available to me by an act of Congress with the establishment of this agency to intercede against the fraudulent actions of national banks that brought about the real estate meltdown that started in 2008. The Federal Housing Finance Agency was established to clean up the trillions in what is known now as " zombie debts '' throughout the United States. My complaint has actually brought about a filing of a lawsuit against Bank of America, all servicers and the XXXX XXXX XXXX XXXX that is the current owner of my mortgage. The national banks such as Bank of America are in position to easily help resolve my dispute. I personally can not compete against the extensive legal and financial resources that Bank of America has at its disposal. The Federal Deposit Insurance Corporation eventually pays for all foreclosure defenses for national banks, while an individual such as myself can not afford to match said resources. I respectfully request the Consumer Financial Protection Bureau to review my complaint to see if this matter can be resolved professionally to the best interest of all parties. I had no other option but to complete a personal bankruptcy petition to cease the continuous destruction to my personal credit. However, I still wish to maintain my residence with a substantially reduced and restructured mortgage arrangement.
Made full payment of credit card, closed account and canceled card with Citi Diamond Preferred MasterCard by telephone on XX/XX/XXXX to customer service at XXXX and authorized my XXXX Bank to approve this final payment. After checking my credit reports at the end of the year, I discovered that Citi had charged me {$2.00} in interest plus {$120.00} in delinquent fees. After calling customer service, I felt intimidated to pay this amount and clear the records again on this closed account ; therefore, I again paid by telephone authorization this full amount of {$120.00} on XX/XX/XXXX. Now I have received an email informing me that I owe an additional {$1.00} due by XX/XX/XXXX. I have never been late on my payments until trying to close this account with Citi. I feel this is a fraudulent abuse of our terms of agreement to pay-off this account and unfair practice of applying delinquent fees. I request that Citi refund this payment of {$120.00}, rescind this latest charge of {$1.00} and remove all negative false statements to the three credit reporting agencies. Furthermore, Citi should provide a written statement to me confirming their actions in this matter. Thanks for your help.
The company is Portfolio Recovery according to google. They call from various different numbers from all over the country and never leave a message. They harass with their multiple daily calls from all over the country. They use different numbers to avoid getting caught. Please stop this harassment! They have over XXXX collection complaints on the BBB website alone for these practices. 

Last number called from XXXX, XXXX Their actual address and phone number is : ( XXXX ) XXXX Portfolio Recovery Associates, LLC 21 years in business Headquarters XXXX XXXX XXXX XXXX, VA XXXX
Despite repeated attempts on my part to contact the company ( Navient ), and request a conversation with a human being, nothing happens. Navient continues to allege I 'm late on my payments ( I 'm not ), and assess late fees, and call me on a near-daily basis. I contacted the CFPB once before ( 3 years ago..? ), but all that happened was that I was referred to a representative from Navient ( XXXX XXXX at that time ), who simply referred me to programs to help pay my loans. This did not address the problem. Can the CFPB help me fix the issue with Navient?
XX/XX/18 XXXX {$39.00} XXXX XXXX {$34.00} XXXX {$11.00} XXXX {$34.00} XXXX   {$14.00} XXXX XXXX {$56.00} XXXX  {$710.00} XXXX {$110.00} Dispute was denied by the bank
I did not recieve 30 day notice to dispute the debt and the balance date of the debt is stated XXXX 2001. That makes the debt 15 years old so should have never been put on my credit report. Since I never received a disclosure I ca n't figure out what they claim the debt is for.
As a result of XXXX XXXX data breach, I attempted to place credit freezes on my credit data at XXXX, Transunion and XXXX. I was only partially successful with XXXX. They reported that I already had a freeze in place. Transunion 's process died with a system error. XXXX XXXX process returned a blank pin number. Apparently the last two companies have poorly designed system which can not be relied upon.
Care Credit. The interest rate is so high that when I make a payment, my balance barely goes down. I pay  XXXX , it might go down  XXXX  dollars, but then there is a penalty for not paying off the balance the first year you have the card, so even the  XXXX  does not matter. I called the company several times and told them I am stuck in a loop of making a  XXXX  a month payment, but it never reflects in the balance, and they told me I should have read the fine print in the contract, I asked what contract, I applied on my phone. I ca n't keep making payments on something that will never be paid down, or paid off, I do n't know what to do about this.
I initially filed a dispute in XXXX 2014 and subsequently in XXXX 2014. This company continues to defame my name. I sued them, however, there is a bankruptcy stay currently in place. I have been unable to keep a bank account open. The bankruptcy case # XXXX filed in XXXX District of Michigan was discharged today. You may call to verify at XXXX, however, this company continues to report that I owe money to the banks when that is not the case.
I submitted a complaint through this portal ( XXXX ) in regards to XXXX  XXXX. I received an email from the Director stating that there is not an account in my name that could be located and can not be validated. In turn, this company does not appear to be licensed to collect in the state of Indiana.
To Whom It May Concern, Statebridge argues that they did not receive the package for loan modification, and foreclose on our home on XXXX XXXX, XXXX. 
After filing a complaint with the Consumer Financial Protection Bureau, loan modification was reviewed and determined that based on our financial information provided {$4200.00} of our monthly income is 31 % debt to income ratio, did not meet the accordance guidelines. Our mortgage is a Conventional 8.5 % Fixed Rate approved in XXXX. Statebridge based their denial on accordance guidelines, under which criteria and interest rate? Our question is under what validity of terms of modification guidelines was used? XXXX, or Today 's Prime Interest Rate? Why were we disqualified? When in fact, the published conventional mortgage loan modification today is XXXX % -XXXX %. Is this a common practice to modify our XXXX loan modification application with what Prime Interest Term, XXXX? 
Since, the conventional fixed loan is being modified in XXXX the Rate must correlate within the appropriate time frame of the loan modification review process. Banks offer loan modification as an option for struggling homeowners by reducing the interest rate. According, to the Government Bailout, we are those homeowners that this exact program were designed for. The neglect that Statebridge has demonstrated resulted in our home foreclosed!
EQUIFAX IS REPORTING A CLOSED ACCUNT I HAVE WITH XXXX XXXX XXXX XXXX XXXX FOR A CHARGED OFF AMOUNT OF {$15000.00} AS OPEN THROUGH NUMEROUS CREDIT REPORTING COMPANIES. XXXX XXXX AND MYSELF HAVE COME TO AN AGREEMENT TO SHOW THIS ACCOUNT AS CLOSED ONCE THEY REPORTED THIS AS XXXX ADDITIONAL INCOME TO THE IRS WHICH I WAS MADE TO PAY TAXES ON. XXXX AND EQUIFAX REFLECT THIS UPDATE. I NEED EQUIFAX TO SHOW THIS ACCOUNT AS CLOSED AND NOT OPEN.
In XX/XX/XXXX and XX/XX/XXXX, I attempted to use the automated system to make my auto payment with Chase ( as I have done for over two years ). Chase has put a restriction which prevents me from making my payment. This is because I requested they stop calling me at work. I called the number in XX/XX/XXXX, verified my account, social security number and make of vehicle. A Chase representative answers the telephone. I provide the same information again. The representative would not assist me because I would not give him my full birth name. This should be easily verified, since Chase states they record telephone conversations. There is nothing in my agreement that state I have to give you my birth name, especially since I provided my first and last name, social security number, account number and make of vehicle. The person then hung up on me. Chase denied me making the payment on time, because I requested they stop calling me at work.
I was not made aware that my debt had been sold. After finding out that it had been sold, I then asked and requested that XXXX, needed to provide some type of validation that I agreed to now pay them, after several months of back and forth they failed to provide any documentation with my signature as per FDCA. As a result my credit has been damaged because of these actions. I would like that, it be removed from my credit report immediately, or i 'll be forced to take this to court.
I am furious with Wells Fargo Credit Card Services. I'm in the process of purchasing a home so I contacted them XX/XX/XXXX because they reported I did not make a payment for XXXX is which I did totaling {$320.00} for XXXX. The Month ending limit on my credit report shows a {$430.00} owed to wells fargo when in fact I've already made my payment on XX/XX/XXXX. Now I have not only over draft but credit reporting at XXXX and my Limit is XXXX a month. They were supposed to contact me within 10 business days for an update. I have yet to receive any updates as I've called several times getting the run around. Now it's XX/XX/XXXX they are now reporting I only paid {$150.00} showing a balance of {$250.00} for XXXX payment when in fact I've paid {$270.00} for XXXX ( first payment was {$100.00} on the XXXX and second payment for {$170.00} on XX/XX/XXXX ). My ending balance is showing {$250.00} which I had no late payment charges. I am livid with this company lying as if I hadn't paid anything. The mortgage company is hounding me in which I've hounded these people for the last month. Still nothing is correct on my credit report. I need them to make the correct changes showing my limit is {$400.00} and my balance was {$120.00} for XX/XX/XXXX. This information they are stating is completely incorrect. They are holding up my home buying process. I need this fixed today!!!!