WillisBack/dataset-financial-user-claim huggingface dataset:
I had a mortgage with XXXX XXXX XXXX. I attempted several times to obtain a modification unsuccessfully. I attempted to short-sale unsuccessfully. The name of the game was DELAY, DELAY, DELAY. My home at XXXX XXXX XXXX XXXX, XXXX  XXXX was eventually foreclosed on. I am including the documents. CFPB received a response from XXXX XXXXXXXX XXXX now XXXXXXXX XXXX on XX/XX/2018 on a complaint I filed to be included in the settlement that XXXXXXXX XXXX, XXXX XXXX and now Ocwen Loan Servicing are all attached and in the loop. This is the same problem some seven years later now of one finance institution transferring the loan to another finance institution to another serving institution in order to avoid working with the home owner.It can get so confusing that they hope the consumer ( home owner ) gives up. They are then off the hook. NOT HERE! I am now filing my complaint against Ocwen Loan Servicing, LLC. I would appreciate CFPB contacting Ocwen and  getting their response or better yet Ocwen resolving the issue by sending me my portion of the settlement. Anything less then once I receive a different response, then I can turn all this over to my attorney who awaits Ocwen 's response. Then we can let the attorneys work out a settlement. I have not been contacted by Ocwen by letter or phone over the last five and a half years since moving to XXXX XXXX and since my home was foreclosed on.
On XX/XX/2018 I received a fraud alert text from Citi Card of possible fraudulent activity on my card. I replied that I had not made the purchase in question. I asked them to NOT cancel my card, because the last time they did that ( they do it frequently because their system keeps getting violated and I have to keep paying for their lack of security ), it cost me HUNDREDS of dollars in penalties and fines when they failed to transfer the new information to my automatic payment accounts.

They cancelled my card anyway, which I found out when I was almost stranded when the card was declined when I attempted to purchase gasoline. I called numerous times and each time after lengthy hold times and being transferred numerous times and being routed though the  XXXX where neither of us could hear each other, I was told I would get new cards. After a wait of a few days for the cards to arrive, I tried to use the cards, but the wrong name came up AND my purchase was declined! I called Citi card and was transferred 4 times. I was connected to the XXXX department, when it was not a XXXX card. Then I was transferred to XXXX XXXX, but that was not the correct department either. After being transferred a few more times, and having to give all of my information each time, I spoke to an agent and after more than 26 minutes, she told me they would need to replace the cards yet again! She said that maybe they processed them incorrectly because the authorized user 's name was on my account instead of mine! Then the agent tried to pre authorize the purchase that I had been attempting to make and it would not go through because their system was flagging fraud, despite all of these attempts to fix that! I don't think it would be possible for Citi to make any more errors in this process. I have wasted HOURS on hold and being transferred and I am so incredibly frustrated and aggravated! It is wasting time I don't have and can not get back! I don't think they should be allowed to get away with such a low level of service and care with people 's information. Why is it that I need to have my card replaced so many times? My credit was ruined by the XXXX  XXXX XXXX 's errors many years ago and now I am going through a similar situation with Citi 's incompetence and this scares me.

The final agent was helpful. I am angry that Citi has such bad service in general, but " XXXX at the Kentucky call center '' tried to help as much as she could.She has been the only agent I have dealt with at Citi in a long time that seemed competent.
My father XXXX XXXX XXXX. Wells Fargo charged off his accounts with fees despite being notified that same month. Now they are saying they wrote them off as a loss. So he owes nothing but there should be a refund. It is n't about the money at this point, it is about the fact of the matter that any docs signed to open the account were null and void. No fees should have been charged after XXXX notification, nor should anything have been charged off
Two months ago XX/XX/XXXX I became aware that someone had stolen my identity and used it to open a couple of credit cards. I caught it right away, had the cards shut down and placed a fraud alert on all of my reports. Today I get a notice that XXXX has pulled my credit report. When I contact Experian 's fraud department they direct me to call XXXX. XXXX directs me to call Experian. And on and on. All after a fraud alert has supposedly already been entered.
I have had an excellent credit history with my Old Navy account with Synchrony Bank, and they sent me a letter one year ago lowering my limit due to a low credit score. Then they sent a letter now closing my account, saying they decide to close it due to my negative reports on my credit report and too many accounts. I have not given them permission to continually check my credit report like that. AND, my card has been at a XXXX balance, paid off, for at least three months.
We got a new mortgage payment from Suntrust Mortgage. They are increasing our monthly payment from {$1400.00} to {$1800.00}. We have revised the information ( see attachment ) and all numbers are the same for the new monthly payment except the property taxes. We went to XXXX county and they increased our taxes by {$98.00} per monthy but Suntrust Mortgage is increasign our montlhy payment by {$390.00}. We do n't have budget to pay this new mortgage payment.
In XX/XX/XXXX I received a collection letter from XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX ) a debt collector for XXXX XXXX XXXX of Texas. I called their office to tell them that this debt was not mine and I have not stayed in Texas. I followed-up this telephone call with a letter dated XX/XX/XXXX. 

On XX/XX/XXXX I received another letter from XXXX requesting additional amounts due to their same client. On XX/XX/XXXX, I again sent a letter to them informing them that this was not my debt. 

On XX/XX/XXXX I received another letter from XXXX offering to settle the above debt within 10 days. 

They obviously have ignored my telephone call and letters.
This debt is from XXXX, 13 years ago. I absolutely do not remember this at all and it is a XXXX cell phone bill. There is a statue of limitations on this type of thing and they are threatening to put me in collections from a XXXX debt I dont remember.
XXXX and XXXX XXXX sold their condo in XX/XX/XXXX and paid off the mortgage balance in full. On XX/XX/XXXX, Regions, who had the mortgage and has XXXX and XXXX 's checking account with mortgage payment automatically drafted, took out the {$750.00} mortgage payment, even though there is no longer a mortgage, or a condo ( it was sold to someone else, who paid cash ). I called and emailed XXXX XXXX at the XXXX branch, who called and spoke to XXXX in the mortgage dept. First they wanted to mail a check - to the condo, where XXXX and XXXX no longer live - in two weeks. I insisted that was not acceptable, sent emails to Regions customer service, demanded to speak to a supervisor, asked to speak to their compliance dept ( said request was denied ). Finally, when I threatened to call CFPB, they put the money back in, and said they needed to find where it went so it would n't happen again. XXXX, a supervisor in XXXX, XXXX XXXX assured me it would not happen again. I asked for, and received, a letter stating the mortgage loan was paid in full. ( A Release of Lien document was not available yet. ) Now, fast forward to XX/XX/XXXX, and the {$750.00} was taken out again, after spending dozens of hours of my precious time in XX/XX/XXXX and getting an assurance this would not happen again. They are stealing XXXX and XXXX 's money. In addition, the letter states an escrow refund of {$13.00} is due, but apparently they mailed it to the condo that was sold to someone else, so that was never received either. I want Regions to forever stop stealing money to pay a mortgage that has already been paid off, refund the {$13.00} plus a {$100.00} service fee for the inconvenience back into the account ( direct deposit, not a check put in the mail to a bad address ), and I want them fined by the federal government for being dishonest and an absolute hellish nightmare to try and work with. I should not have to spend my time dealing with this.
This is in dispute of my Case number : XXXX. I am not disputing Chase 's closure of my account. I am disputing whether or not Chase has the authority to require the writer of the check who is not related to Chase ( his bank is XXXX XXXX Bank ) to physically appear at a Chase location with me, in order for me to to receive the {$3500.00} that Chase has already been paid by XXXX and is still holding in their suspense account for the past four months. Can Chase arbitrarily hold funds and require the writer from a third party bank to appear at a Chase location to present his/her identification? If this is not arbitrary, then what was the basis of Chase 's decision to do this? It certainly appears either predatory against smaller banks, or possibly discriminatory against the person presenting the check to the teller at Chase ( as discussed in initial complaint, check was written and cashed into my account by XXXX XXXX, a signer on the account ).
I made XXXX balance transfers to my Elan credit card of {$300.00} each from my XXXX and XXXX cards. Their system sent XXXX transfers of {$300.00} to XXXX and XXXX transfers of {$300.00} to XXXX for a total of XXXX balance transfers which gave me account credits on both cards since I owed less than {$600.00} on each. When I called and asked them to correct the problem, or refund the additional {$11.00} for each extra balance transfer they informed me they do not negotiate balance transfer fees, insisted that I had made the error, and told me the only way to reverse the charges is to have my other cards return the balance transfer. I called XXXX to ask for XXXX of the transfers to be returned, and they informed me that it is not possible because it came through a credit processing company, not as a charge. I would have to pay 2.5 % for XXXX to send the transfer back as a balance transfer. XXXX also told me that since is it is a balance transfer, which do not have the same rights as purchases, that I can not dispute the charge nor can they return it. Both XXXX and XXXX told me the only way to reverse the charge is for Elan to do it.
Multiple calls when due for a payment up to 7 times per day. More recently they called my father 6 times in 2 days between XXXX/XXXX/15 and XXXX/XXXX/15 concerning a payment that is not due until XXXX/XXXX/15. They did not call me at all. My father called me and relayed the message to me. When I called them at XXXX the rep was confused and said " uuum I think this was a courtesy call ''. He confirmed the due date was XXXX/XXXX/15 but could n't give a definitive explanation for the calls.
A collection Agency called XXXX XXXX is reporting an account to all three credit bureaus as open in XXXX. I have disputed this several times in the past few years that the account is not mine and no one has sent any proof of the account. My credit file a few years ago showed this account as closed in XXXX, yet now XXXX XXXX has changed from closed to open, more than once causing my credit score to drop 25 or more points. The credit reporting agencies are not doing anything but accepting the word of the collection agency without any proof of this account being opened by me and the collection agency XXXX XXXX refuses to report it was closed by XXXX XXXX in XXXX the credit reporting agencies Transunion , XXXX and XXXX , are only stating on my file that the dispute was resolved but consumer disagrees. 

This is very wrong!
TransUnion, XXXX  and XXXX are reporting a Bankruptcy as a public record falsely. File date XX/XX/2017. I have contacted the United States Bankruptcy Court and they have sent me a letter verifying that they do not verify with any third parties such as credit bureaus. These credit bureaus are reporting this on my credit reports and I would like it removed because it is not verifiable.
I was contacted this morning, at XXXX on XX/XX/XXXX, 2015 by the number XXXX. The caller claimed I owed a debt to XXXX XXXX University. They confirmed the last 4 digits of my Social Security and my birth date. They declared an address they would be sending information to in Colorado, but I am not a Colorado resident. 

I did not accept any attempt to pay the debt, since I do not currently know what the debt is for. My understanding is that this debt is in error. 

Further, it is my understanding that the caller may have performed an illegal call at XXXX, since this is before XXXX.
On XXXX my account was gotten into on USAA by phone number XXXX at XXXX. At XXXX and at XXXX XXXX attempted to get into the phone automated system. They were able to change my information with only a SSN and birthdate. ( ( When I call I have to provide a pin ). Transactions were made from XXXX XXXX and another in XXXX for on that same night ( they used my debit card for both ). The pin, security questions and password were changed and a new phone number of XXXX ( appears to be texting service out of XXXX was added as my primary number. My account then had a mobile app established on this number which appears to be an Android XXXX XXXX phone. None of these numbers are attached to me or my family nor do any of us have any XXXX smart phones. ( we have all XXXX ) Here is where the NIGHMARE really begins I called USAA fraud department to make them aware that the XXXX number is allowing notifications and it 's not mine. They appear to not be able to remove this device from my profile. The have put in a ticket to try to solve it but it will be sometime next week. So someone has access to my balances and accounts until then even with added security in place. They also can not tell me that after the two week lock out on my account if someone will be able to call in and do this again. I have opened a new checking and savings but am stuck at this moment because I have no way to access my money and the payroll check can not be changed for this reporting period. 

USAA has temporarily refunded the XXXX transaction on my debit card pending their investigation the charge for XXXX XXXX is still pending. Currently there are XXXX others here in our Military XXXX that are having similar situations with USAA. We do n't personally know them and my adult son who no longer lives with us had his account hit 3 days after mine in XXXX XXXX. 

Currently I want answers and USAA can not give me any. I was told by Fraud Department on Thursday to stop stressing and to have a good weekend. 
I have reported to police department and have fraud alerts on all of my credit reports. I noticed all of this on the XXXX and USAA tells me that 'd those other phone numbers have not tried to access anything since the XXXX. Right now not sure I trust them and my information is floating around on an unknown device. 

After speaking with someone who works In computer securities for a large Corporation they feel as if USAA has had a data breech. As I write this I have involved many authorities and this seems to be a huge problem with USAA and I 'm just one of many having this issue in the last 3 weeks. Speaking with about XXXX people here their debit cards have been compromised with USAA since XXXX.
When I was in college I had to take out a couple of student loans to be able to pay for school. When I got to the repayment I struggled a lot because I wasn't able to find a decent job to afford the payments for the loans. I called several times and the only options that I was given was to do forbearance or deferment. I have several of those in trying to figure out through the years how to repay this money. It wasn't till about 3 years ago that I was offered the income based repayment option. If I had of been offered this the first time I called I would be close to having the loans forgiven. Now I have to continue the plan till they tell me otherwise. Still stuck with them on my credit even though I can't afford them and not given any reason as to why it wasn't offered to me before then. Any assistance with this issue would be greatly appreciated! I just want the WORST decisions of my life to stop holding me back because I can't afford them.
This debt was paid in full but still remains negative on my credit report as if instill owe this Debt effecting my ability to make be purchases.
The debt amount is wrong, the original creditor was supposed to fix total amount owed, never received letters or phone communications from said creditor. Debt has been placed on my credit report more than once and is continuing to hurt my credit score with each new cancellation and reapplication.
Chase credit card services received my properly documented dispute within the 60 day window. Chase admitted to erroneously ruling against me and closing the case without even reviewing any of my supporting information. Chase allegedly 'reopened the dispute ' and immediately reissued their decision to deny my dispute, despite documentation from the vendor clearly showing the disputed {$4000.00} was an excessive and unauthorized charge. Chase then pressed me to provide evidence of fraud by the Vendor in order to continue the dispute. I researched and provided Chase with documented proof of fraudulent charges proving the vendor charged me for approximately {$12000.00} of services that they never delivered and I obviously did not receive ( XXXX 3X the amount I disputed ). I did not change the disputed amount and kept it unchanged at {$4000.00}. Nearly 7 months after alerting Chase to the erroneous/fraudulent charges, Chase refuses to make the 'provisional credit ' permanent. I believe they unintentionally ( but nonetheless damaging ) created a bias against me due to their mistake of ruling in the Vendor 's favor even before they reviewed any of the case details. I am preparing to hire an attorney to pursue arbitration/litigation of these actions by Chase Member Services. I will likely spend many times in excess of the {$4000.00} defending myself and repairing my credit. I am pursuing this to help others because Chase is wrong to abuse it 's power to ruin one 's credit simply because of errors they are unwilling to correct, apparently because it means they would have to go back to the Vendor and say, " Sorry, you know that dispute we allegedly researched and ruled in your favor ... .well, we screwed up and we need to take back the {$4000.00} we gave to you. '' I believe Chase will rely on the following for their defense ; the vendor told me they would reverse the erroneous {$4000.00} charge prior to me disputing the charge. I relied on this ( fraudulent ) statement by the vendor and paid my monthly balance in full as I usually do. Chase may win on this technicality, but there is no denying that Chase is complicit in the Vendor 's fraud. Chase 's action to knowingly allow the Vendor to use its relationship with Chase to perpetuate an act of fraud is something that can be 'rectified ' with organizations influential enough to 'get Chase 's attention. ' It is a testament to Chase 's arrogance that this is necessary for a disputed {$4000.00} charge that Chase could have and should have reversed long ago.
On XXXX XXXX, I went to local US Bank branch to make an extra mortgage payment. It was at the branch that I was informed that I had filed for Chapter XXXX Bankruptcy. This was something that I or my wife never did. After playing phone tag games with the Banker, Mortgage, and Bankruptcy departments, they say they would look into it and I had to wait 7 day till XXXX XXXX. Supposely a letter was sent out to me on XXXX XXXX. - the same day that I filed for bankruptcy. On XXXX XXXX, no letter arrived and I called back to US bank bankruptcy hotline to check on the status. According to them, work orders were filed but they could n't tell me anything how this happened with all their safeguards. On XX/XX/XXXX..I called them again and I keep getting a different story. I have ask written proof of the bankruptcy to be send by email or overnight certified mail. Their response was I had to wait till the claim was investigated but could n't tell me when this would be. Nothing has been resolved or explained to me. Currrently, I have not received or seen any written proof that I have filed for bankruptcy. I ca n't understand why this taking so long when it was n't my fault, but the bank 's fault. They have all my information and the records show that I am current. 

To me, this is not only about money but also justice that needs be justified and solved in a righteous way!
This account has been paid in full for several months. It has been noted as " Account paid in Full ; was a Charge-off '' on XXXX, but it just listed as a charge-off with no notation of being paid in full on Both XXXX and XXXX. 

I have tried contacting both credit bureaus about this, as well as Synchrony Care Credit, asking them to have it noted as " Account paid in Full ; was a Charge-off '' across all three credit bureau reports. If they can report it to one, there is no reason the ca n't report it to all. 

I have confirmed that all three credit bureaus allow this status to be noted on accounts. 
I 'm attaching proof of how it appears on my XXXX report, which I pulled on XXXX/XXXX/2017. 

This has been paid in full and should be noted as such on all three reports.
On XXXX/XXXX/XXXX XXXX XXXX notified me of new accounts placed for collection. When I checked my mail, there was a letter from Commonwealth Financial Systems regarding a debt they purchased from XXXX XXXX XXXX, of which I have never received any correspondence. They have listed 3 items, from XXXX and XXXX, 4 and 3  years ago, respectively, and I am unaware of these charges. I 'm trying very hard to get my credit fixed and my score back up, and this was a shock to me. I also have a negative comment from the XXXX XXXX for XXXX XXXX XXXX, and I have n't even walked into that place in at least 15 years, so I have no idea what this charge is for because I do not use the clinic or any of it 's doctors or services. I 've been trying extremely hard to keep any and all medical payments made and kept current, so I 'm very surprised about these bills because I had no prior knowledge. I 'm also very upset that Commonwealth put this into my credit report immediately instead of sending me prior correspondence to let me know about it so that I could see what it was even for. Thank you in advance for any assistance you might be able to give me.
IQ DATA INTERNATIONAL ACCOUNT IS XXXX BALANCE IS {$5500.00} I REQUEST THIS ACCOUNT TO BE DELETED FROM XXXX AND XXXX. XXXX   ALREADY DELETED IT FROM CREDIT REPORT, I WANT PROFF OF THIS DEBT SENT TO ME. OR BE DELETED FROM MY CREDIT REPORT.
I have written three letters to each of the reporting credit bureaus requesting any and all documentation bearing my signature of a Bankruptcy reporting under my social security number. I also requested the name, address and telephone number of each person they contacted regarding this alleged claim. In each of their responses they have stated that the information has been verified yet no proof has been provided to me. Bankruptcy Courts, Federal Courts, and any clerks office associated with either of those do NOT report to any credit bureaus. Not only have they not complied with the Federal Trade Commission ( see 15 USC 41, et seq. ) they have also violated the Fair Credit Reporting Act action 623 ( a ) ( 3 ) in which they are now liable for my damages of up to {$1000.00} per occurrence. This is my last goodwill attempt at resolving this matter before I file a small claims suit in the amount of {$5000.00} for 1 ) Defamation, 2 ) Negligent Enablement of Identity Fraud, and 3 ) Violation of the Fair Credit Reporting Act against each credit reporting agency.