WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX MI XXXX XXXXXXXXXXXX XXXX XXXX XXXX REFERENCE Ocwen Response to CFPB On Friday, XXXX XXXX, 2016 XXXX XXXX , Consumer Financial Protection Bureau XXXXXXXX wrote : The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. 
Case number : XXXX Status In progress Response Ocwen is currently researching the matter and will provide a response within the allotted timeframe. 

Case number : XXXX The response to Case number : XXXX by Ocwen Loan Servicing , LLC, [ " still working on your issue, and you should hear from them again within 60 days '' ] on a lawfully rescinded mortgage and specifically denied Loan Number : XXXX, and Account Number : XXXX has been to XXXX XXXX XXXX in the following correspondence : XXXX XXXX, 2016 A Trial Modification Mortgage Statement for a lawfully rescinded mortgage A Trial Modification Mortgage Statement for a specifically denied Account Number : XXXX PDF attached XXXX XXXX, 2016 A non verified statement claiming that XXXX XXXX XXXX had submitted application for assistance on specifically denied Loan Number : XXXX A Appraisal created by XXXX PDF attached XXXX XXXX, 2016 A Delinquency Notice for six payments on a lawfully rescinded mortgage A Delinquency Notice for six payments on specifically denied Loan Number : XXXX PDF attached XXXX XXXX, 2016 Notice of initialization of FORCED PLACE INSURANCE on specifically denied Loan Number : XXXXon Lawfully owned property of XXXX XXXX PDF attached
I was declined by a Chase Credit card on XX/XX/XXXX after calling the credit card to ensure that I would not be denied due to a prior bankruptcy. The agent told me although it would be considered, it would not be the only factor considered. After being denied, I called Chase and spoke with 4 different agents : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Each agent gave me a different answer with two saying that I was declined due to having very little credit history on my credit report. I pulled my credit report and found that XXXX  XXXX was reporting inaccurate information including : No payment ( I pay the entire amount every month and have since I received the card in XX/XX/XXXX ) ; no usage ( I have used the card every month since XX/XX/XXXX ), no balance ( I always have a balance which is paid off each month ) ; {$0.00} credit limit ( my credit limit is {$12000.00} ) ; no monthly payments ( as previously referenced, I pay my balance in full each month ) ; no highest balance ( my high balance is around {$10000.00} ) ; and under comments " Account in dispute-reported by subscriber ''. My account is in good standing and I filed a complaint with the credit bureau and it was subsequently corrected. However, despite the fact they found the recording of the agent telling me I should apply and would not be denied due to the bankruptcy XXXX  7 years ago and that another agent said I was denied due to no credit history, which was reported incorrectly by my credit card, XXXX XXXX, and is now corrected, they will not extend credit, even a prepaid card. Additionally, I explained that the bankruptcy was caused by my now ex-husband 's investment in real estate and the fall of real estate values in XXXX. Personally, all of my bills are paid and I have no debt. I believe they are unfairly discriminating against me because I am an XXXX XXXX over 50 years old, rather than looking at my financial situation and my demonstrated payment of all my debts after I divorced my ex-husband who still does not pay his bills.
In XX/XX/XXXX, I was notified via letter that my property taxes for the second half of the year hadn't been paid. This was unusual because I pay an escrow fee to my mortgage company ( 5/3 bank ) and they pay my bill. I am never late paying them and they have never been late paying my taxes. I called and spoke with a woman named XXXX ( from XXXX county ) and she told me the story ... XXXX county billed the wrong person for my property taxes, that party paid, then realized there had been a mistake and taken back ( or had the money refunded ). 

Since this date I have made numerous calls to my mortgage company with no resolution. I have also made a number of calls to XXXX County were I have received no help. I have been asking for XXXX County to resubmit to tax paperwork to the correct entity my bank. They refused to do so on a number of occasions. I have asked the county to call my mortgage company. They refuse to do that as well. 

I have also made calls to 5/3 bank. I called on XX/XX/XXXX and spoke with XXXX, wrote a letter via snail mail on XX/XX/XXXX, called on XX/XX/XXXX and spoke with XXXX, wrote a letter on XX/XX/XXXX, and called on XX/XX/XXXX and spoke with XXXX, faxed a letter on XX/XX/XXXX, and called again today on XX/XX/XXXX and spoke with XXXX and this issue hasn't been resolved. Today I finally got a supervisor ( XXXX XXXX ), but she gave me an email address that did not work and has not returned by call. 5/3 claims they have never received any letters including original copies of letters from the county or my fax including a delinquent tax notice. But they do acknowledge that no second half of the year taxes were paid! The money is sitting there in my account making money for the bank. 

This situation is so frustrating to me. In my eyes, a mistake was made by the county and they will not help me correct it. At this point there are several hundred dollars of late fees and interested tacked on top of my loan. If you could be of any help I would greatly appreciate it. If you can steer me toward someone who cares and would be willing to help I would also greatly appreciate it.
Equifax allowed my personal information to be stolen through inadequate security measures on their end. The amount of leaked data has basically permanently destroyed the security of my credit - I can temporarily put a fraud alert on my credit but it could in theory be removed by someone with access to the stolen information. I 'm obviously not alone in this situation - more than half of all American adults are in the same boat.
Bank of America Merchant Services applied a {$20.00} charge to my account for XXXX, a service I did not request nor desire. When I inquired, I was told that it was " opt out, '' and I was given a phone number to call. The charge made my account overdraft. I believe that applying a fee without " opt in '' permission should have been illegal. I was told on XXXX/XXXX/16 that I received a notification about the impending charge, and that I should have responded to the notification. To me, that 's bogus. I believe Bank of America is defrauding customers. All such unrequested charges should be " opt in. '' Customers should not have to read the fine print of every notification to avoid having a bank XXXX money out of their accounts. Since I did not formally allow such a debit -- which would have been monthly -- this was an unauthorized withdrawal.
This fraudulent account I have contacted Soutwest credit about multiple times will not remove this collection account from my credit reports, after I asked for proof this is my debt the only sent me a bill, a bill is not a justification of debt. They never sent me a signed copy of my contract with them or XXXX.
Earlier this year I wrote all 3 credit agencies to and sent them the paper work veryfying my information and all except 1 Trans Union continue to report this Tax Lien information on my report.
I received a message from XXXX XXXX XXXX XXXX stating I have a complaint against my name and social security number and a warrant was going to be issued at XXXX tomorrow XXXX/XXXX/2015. This is a collections agency/ law office and I 've been ignoring they 're prior calls.
I was included in the customers who had sensitive data stolen due to improper and insufficient security protocols at Equifax. Identifying information that could be used to commit fraud against my person was not properly stored or protected, making such a breach easier than it should have been. 

Despite the inadequate security protections, Equifax has not approached the situation with clarity. They have continually utilized improper IT security measures in their response, further exposing affected individuals to the loss of sensitive information. 

It has come to light that Equifax senior management knew of this breach for months before notifying the affected individuals. Instead of informing individuals of what transpired, Equifax management instead decided to illegally offload holdings in the company before public disclosure of the data breach.
Wells Fargo Mortgage has not sent papers to why they mailed out foreclosed documents to address that was are never been my address. Also Wells Fargo Mortgage will not send documents requested. I have requested documents and its always the same old XXXX  with them providing what requested. It seems they always mail you papers you did not ask for. also Wells Fargo does not reply back always with some computer XXXX letter there working on it. I'm tired of the lies by Wells Fargo Mortgage.
The company was XXXX XXXX Loan officer XXXX XXXX He told me on since before XX/XX/XXXX that I had been approved for a {$120000.00} at a 3 % interest rate. He had all of my info I had filled out an application and all. On two separate occasions I did a inspections on houses thinking that this process would work. The most recent was XX/XX/XXXX he told me everything with the loan good to go that I could continue with an inspection on the house. I signed a contract with the owner of the house stating the XX/XX/XXXX would be our closing date. I paid {$350.00} for an inspection and {$50.00} for a reinspection. I paid my escrow and found insurance for the house all under his instructions. He told me he ordered an appraisal around XX/XX/XXXX no appraiser ever contacted my realtor to make an appointment he said he cancelled it and ordered another one through another company around XX/XX/XXXX again no one contacted us so he said he switched the company for a third time and had an appraisal scheduled for XX/XX/XXXX the closing date. On XX/XX/XXXX I received multiple messages from him asking be for multiple documents I had already sent him drivers license, social security, insurance info, proof of employment, exc when he sent me the documents it was another application my husbands info was all wrong the closing date was wrong and the loan amount and interest rate was wrong. I tried explaining to him the contract ends XX/XX/XXXX and I thought all this paperwork was done. He refused to acknowledge anything I was asking him. I then received the first of any notification saying he ordered an appraisal XX/XX/XXXX at XXXX and said he would have everything done by the following day. I again stated we could not wait because the contract expired that day. He better brushed me off saying I needed to then get ahold of the title company. I tried to get help from another lender after telling XXXX I will no longer need his services and the other lender told me I did not even have a case number. XXXX lied about everything that had to do with my paperwork and loan costing me, the owner and my realtor money and time.
In XXXX, I purchased XXXX sweater from Bloomingdales for {$22.00} and used my Bloomingdales credit card for the purchase. The payment was due on XXXX XXXX. I made the payment today on XXXX XXXX ( 5 days late ), but I found out that Bloomingdales had assessed the interest fee of {$24.00} on the ENTIRE balance on the card, {$22.00} of which was late and {$310.00} which was NOT late and current in the new billing cycle. When I called them, they were unable to explain why the fee was assessed on the entire balance including the non-late purchase and were unwilling to re-calculate the interest. It is predatory to charge me an interest rate on a portion of the bill that is not late, especially when that interest fee is MORE than the amount late -- it is usury in it 's classic sense.
There is currently a collection account on my report. Please remove : XXXX XXXX XXXX  XXXX.
I have a school loan from my school that was sold to a collection agency by the name of Eastern Revenue Inc. of XXXX, Pennsylvania. ( ERI hereinafter ). XXXX has contacted me, constantly harassed me and threatened me numerous times regarding a balance that I am unable to pay and have advised them of such. XXXX has gone so far as to attempt to obtain information regarding my children 's bank accounts, social security numbers and other private information. This company has used guerrilla tactics to constantly bully and harass me continuously, and has affected my personal credit, physical and mental health in addition to permanently affecting my marriage. They have called my home, job and family members non-stop and it is very troubling. They have continuously threatened to hold my transcripts and degree XXXX and advised me that I would never see them ever. No company should ever have the ability to treat anyone this way. It has literally caused me serious harm in all facets of my life.
This account is being sold over and over again. Different collection companies that can not provide the original contract or correct information
I was contacted by this company about this debt that I do not owe. At the time of the services provided I was indigent and this account should have been filed under my states indigent fund therefore alleviating me of the obligation
There were XXXX unauthorized transactions made by XXXX of my family member [ by accident ]. I helped a Nissan employee [ XXXX ] from collection department locate the vehicle, and that employee promised that she 'd issue a refund check for me. After Nissan found the vehicle, no one contacts me back, and that employee never returns my calls. 
On XXXX/XXXX/2016, I called again and talked to XXXX [ XXXX for 23 minutes ]. She told me that it is the money that the customerXXXX owed to Nissan and can not refund meXXXX the money. She said I 'll need a police report otherwise, they can not refund me. 

It should be noted that I do not have any account with Nissan and never purchase any vehicle from the company. 
I obtained this info from XXXX and Nissan [ after they added me as authorized user so they could share the main account holder info with me on the phone ] Nissan Acc # XXXX Transaction # obtained from XXXX 1. # XXXX XXXX/XXXX/2016 {$1200.00} 2. # XXXX XXXX/XXXX/2016 {$1500.00}
Experian keeps rejecting my disputes and falsely marking my complaints here as duplicates. They just did it again to another recent complaint and I am sick and tired of it. WHAT AM I SUPPOSED TO DO WHEN THEY REFUSE TO INVESTIGATE AND REFUSE TO DELETE ACCOUNTS THAT HAVE VIOLATIONS? Thanks to their illegal antics, I have been dealing with them for basically a year now of disputing because they've refused to do anything about accounts that have been -- and still are -- illegally reporting in my credit file. Each time a dispute has been requested, EXPERIAN NEVER INVESTIGATED and they NEVER REGARDED THE SHEER VIOLATIONS ON THE DISPUTED ACCOUNTS. This alone is a violation! In fact, I discovered based on the old " dates of status '' in my report and online ( when I log in to my account ) that they have not investigated the majority of the disputed accounts ALL OF XX/XX/XXXX & so far in XX/XX/XXXX when I've disputed! THIS IS A VIOLATION AND MEANS THAT THEY MUST DELETE ALL DISPUTED ACCOUNTS AND MUST UPDATE THE ACCOUNTS TO POSITIVE ( which I note in my attachment ). On top of that is the fact that 1 ) There's an account I have REPEATEDLY noted as reporting CONCURRENTLY AS " OPEN '' AND " CLOSED '' when it is in fact a closed account ; 2 ) There are a couple of RE-AGED ACCOUNTS ; 3 ) The XXXX accounts are all reporting as late in XX/XX/XXXX, but I WAS NEVER LATE in XX/XX/XXXX ; 4 )  Two collection accounts are reporting " past due '' when COLLECTIONS ARE NOT SUPPOSED TO REPORT A " PAST DUE ''. Moreover, Experian sneakily includes the " past due '' in the " status '' ; and 5 ) There  are lots of DIFFERENT, CONFLICTING DATES on many of the accounts! This is all FACTUAL INFORMATION THAT IS VERY CLEARLY REPORTING IN EXPERIAN 'S VERY DATABASE! Yet, they have repeatedly responded refusing to investigate or even pretending to investigate while actually doing nothing at all. In fact, one of the creditors ( XXXX  XXXX XXXX, formerly XXXX XXXX XXXX XXXX XXXX ) of an account I'm disputing even said in a letter to me dated XX/XX/XXXX, " ... we do note that the customer has submitted multiple credit reporting disputes via XXXX ... ''. Experian has been using automated systems like XXXX   and 3rd parties to " verify '' info, TOTALLY DISREGARDING MY DISPUTES, which is a violation of consumer law! They pass investigation off to the creditors WITHOUT DOING THEIR OWN INVESTIGATIONS and WITHOUT GETTING PROOF FROM THEM! And, they do what they did recently ( as well as a time or two before ), which is to COMPLETELY REFUSE to do anything. All of these tactics are not only absolutely ridiculous, but they're DANGEROUS and NEGLIGENT! My credit file and my time are not a game to play with! Again, I've attached the disputed accounts in a document and have included my SS card and ID. PLEASE EXPEDITE THIS DISPUTE!
CBE Group has called my work number on several occasions after I repeatedly requested them to cease calling my work telephone number. On XXXX/XXXX/2015 I verbally told them to not call me at my work number on XXXX/XXXX/15 I received XXXX phone calls from them at my work, and on XXXX/XXXX/15 I received another call from them at my work number. Each time I requested them to stop calling my work phone number.
I have done a response but got nothing back now they blocked me from my account then I did a security freeze sent information they required then they wrote me back saying they would not accept the information I sent them but it was the information they requested I call the man dealing with my case file and he never calls me back ignores my phone messages Then when they blocked all calls letters all calls go to there security party about my account and now they refuse to give me anything on my report all because I would not take threats and bad language from there customer service, and no XXXX discrimination.
I am writing to inform you that I have several items reported on my credit file that I have no knowledge of and is not mine. For one : : XXXX XXXX ( knology ) {$300.00} XXXX XXXX ( XXXX ) {$30.00} XXXX XXXX {$580.00} * these accounts are fraudulent and should not be reporting on my credit file. I have never had any service with XXXX or XXXX XXXX. 
* As a customer, customer are not allowed to have several accounts, I am curious to know why there are two accounts from the same company reporting on my file.

* The mishandling of this information is a breach into my file.
I was called by the collection dept. of Schreiber/Cohen llc. XXXX, a nice female employee talked to me about payments that were past due, I informed her that i left a message at that office for a motion to continue because i would be out of state, she asked me why I said to visit my parents in Florida from XX/XX/XXXXto the XXXX and the hearing was for XX/XX/2018. She then put me on hold and the manager of the collection dept. picked up the phone he informed me that if i can go on Florida then i have money to pay my bill, I informed him that everything for the trip was purchased by my parents. He then said rudely that he doesn't understand, that he was going to look into my savings and stocks and bonds to see if i had money to pay the bill, and even investigate what kind of care i drive '' maybe I drive a new XXXX  '' he said. told him i have no savings and certainly no stocks or bonds that i was broke but i could meet him at any time besides XX/XX/2018.He said that if i didn't pay the whole back amount that i would not receive a motion to continue and that if i miss the hearing a bench warrant would be issued, he was incredibly rude i even told him that if we couldn't have a normal conversation that i would hang up and deal with the court and file my motion for continuance.
XXXX XXXX, XXXX I attempted to make a {$20.00} payment towards my account as I have been in a financial struggle. Customer Service agent who I spoke with stated that as long as I make a payment of any amount that my account would remain open. XXXX/XXXX/XXXX I attempted to make another payment and upon accessing my account it stated it was CLOSED. I never received email notification or written letter notification of my account being in jeopardy of closing. No phone calls were made. My minimum due is {$220.00} and a service representative stated that I could make small payments $ XXXX- {$30.00} per month to get the minimum amount due paid. I spoke to a representative today XXXX/XXXX/XXXX who argued with me and said once an account is closed it ca n't be reopened. I know for a fact it can. 

I am attempting to pay the debt off and instead of keeping it open for me to do so they closed it. Closing my account has significantly affected my credit score. The rudest customer service representatives and a Supervisor who would n't answer my questions.
I am  a  XXXX  yea r vet of the  XXXX   XXXX  with  XXXX  guaranteed incomes, recently retired from my  XXXX  job/career and applied for a  Chase Freedom  Unlimited Credit Card. My only negative is a paid in full Chapter  XXXX  bankruptcy that was done  in  XXXX .it  is set to fall off my credit reports this year. I was declined   XXXX   by  XXXX  and then  XXXX  even after contacting both customer service pages on  XXXX  and  XXXX  and being told to call back in. If this is h ow Chase c ares about vets it is truly disappointing. I even asked for a lower limit to start off with as this what I understand to be great company and great card to have. My wife who has the exact same " young '' credit history was approved ( minus the bankruptcy ) so I tend to feel this has more to do with ageism as I am   XXXX  year s her senior and less to do with " insufficient credit history since bankruptcy ''. I have  XXXX  debt,  XXXX  credit  card,   XXXX    years positive  rental reporting and a remaining positive a car I bought  XXXX  years ago on my  XXXX . I am very saddened that Chase does not value this countries veteran 's more and enough to give them a chance for their service when they have  XXXX  guaranteed incomes and a recent " young '' but  XXXX  percent payment history.