WillisBack/dataset-financial-user-claim huggingface dataset:
Ocwen Loan servicing is reporting totally different info to all XXXX credit reporting agencies. They are trying to say we missed 2 payments to XXXX but are on time, saying we missed 12 payments to XXXX but on time. My wife and I sent our mortgage payments to them with XXXX separate checks. Usually {$600.00} out of my account and the remainder out of my wifes account. What they did with the money from my wifes account we have no idea, but they are trying to say we were only sending partial payments. We have all of the proof. Since doing a loan modification loan with them back in XX/XX/2016, they REALLY have it XXXX. They were holding our payments in a suspense account for months, saying we were late, then applying a lump sum to the mortgage. We then received another loan mod kit wanting us to apply for another, saying they messed up on the first one and forgot to add some money in there somewhere and made us sign a new one which raised our mortgage payment from {$580.00} back to {$780.00} which is more than it was before we even did the 1st modification loan! They have been sued for XXXX dollars for the exact same thing. They are causing XXXX on myself and my wife because they have our credit scores so XXXX. They fixed it at one point with XXXX and my score went up to a XXXX. Within a week XXXX was showing the 12 payments missed and my score went back down to the low XXXX. They are very confused and most of this is coming from the loan modifications. I know its the law they have to provide the exact same info to all credit reporting agencies as I have spoke to the attorney generals office as well.
During my mortgage transfer, the gaining loan servicer had poor customer service and misapplied my payment.
I have a mortgage with XXXX XXXX XXXX. I have been making my payments every month. Then when Hurricane Harvey Hit my city, Caliber told me that they deferred three months of my mortgage payments and put them on the back end because we were effected by the storm. When the time came that they told me to start making my payments they would not take my payment. They told me to wait to hear from them. I kept calling only to find out that they are not keeping their agreement and won't take my payment. It is as if they are trying to set me up and steal my home. Please help me with this critical matter. I have my payment that they told me to make and now they are telling me I need those three months of back payments as well. This is so very wrong
I stopped making payments over 7 years ago to this loan and the bank never foreclosed on the property. They file foreclosure papers in XXXX XXXX, then voluntarily dismissed the case in XXXX XXXX. Case number XXXX is on XXXX XXXX XXXX XXXXXXXX XXXX & XXXX & XXXX XXXX I have not made any payments since XXXX XXXX. This mortgage tradeline fell off of my credit for a brief period last month and then was added back in due to some escrow reversal payments that Bank of America performed and are incorrectly stating that I have made payments. I believe this was done in order to reactive the delinquency period and I do n't believe this is legal. 

Attached are a copy of my XXXX and XXXX XXXX bank statements. 
The XXXX statement shows the bank made Escrow Payment reversals on my behalf in order to reactive the late payment status. The total amount was {$24000.00} I believe they did this knowing that the 7 years of late payments were going allow the tradeline to fall off my credit which it did for a few days. 

Along with that I will now most likely receive a IRS XXXX form for Interest I did not pay. 
XXXX statement : Principal Balance - {$160000.00} Contractual remaining term - 26 years 8 months Total Amount Due - {$73000.00} Days Delinquent - 2512 days ( PDF page XXXX, Delinquency notice ) XXXX statement Principal Balance - {$150000.00} Contractual remaining term - 24 years 2 months Total Amount Due - {$49000.00} Days Delinquent - 1628 days ( PDF page XXXX, Delinquency notice )
In XX/XX/XXXX-XX/XX/XXXX I entered into an agreement with XXXX XXXX XXXX loans located at XXXX XXXX XXXX, XXXX, Ohio ( I had successful in the past so I used them again ) this tine due to financial reasons I was unable to pay my loan back, so after making the minimal payment several times then refinancing ( which I ended up paying way more than the loan and repayment amount ) my expedition was taken from my driveway and sold. I called to get the sell amount etc. Because the car was worth so much more than the loan amount, but was given no information and no chance to retain prior to sell. I was given the run around to multiple people. XXXX XXXX saying they could do nothing and to contact the lender and the lender saying call the auction, auction denied having info. Eventually I gave up. I had no money for counsel and I think that these companies play by their own rules, because they know if you need a title loan than you probably can not afford legal help. It has been years but this has never sat well with me, finally I was told about consumer reporting so I just wanted to follow up to see what my rights are. I did not know who to contact at the time. Thank you
I'm not sure why i keep getting the same parrot information from the EXPERIAN, XXXX, AND XXXX that they've verified the public records BK CHAPTER XXXX shown on my credit report. My questions are : What happened to the new and relevant information I sent to those companies, which proved this bankruptcy is inaccurate? Did they pass these information on to the court during your investigation? Does court actually verify them. Every day I cant get approved for anything I want, it is causing me emotional stress. I just simply want the inaccurate information removed or thoroughly investigated. I dont know a whole lot about credit bureaus and credit reports, or the way they actually process their investigation, but Im good at research. I believe they use a system called E-Oscar to handle investigations. Please should not rely on this system because its not 100 % accurate and its not fair to the general consumer. From my research on the FTC web sites in the last couple of months, you cant parrot information from the creditor and collection agencies, and public record keepers. They must perform a true investigation under the definition of FRCA. 

Look that the 2 cases below : XXXX vs. XXXX revealed that the bureaus have 'grave responsibilities ' to ensure the accuracy of information and that it " must consist of something more than merely parroting information received from other sources. '' Basically, they can't just be parroting information back and forth between the bureaus and the consumer. They actually have to investigate. 

The cases stated that the " Verification might be accomplished by uncovering documentary evidence that is sufficient to prove that the information is true. See XXXX, 357 F.3d at 431. '' And also " a reasonable jury could find that XXXX either knowingly or recklessly reported debts as verified without obtaining sufficient documentation to support that determination ... We, therefore, hold that a reasonable jury could find that XXXX willfully violated 1681s-2 ( b ) when it reported the XXXX and XXXX accounts as verified without obtaining sufficient documentation that the debts in fact belonged to XXXX ''. 
Verify directly with the court. There are a lot of discrepancies these days when it comes to credit reports and I just want them to provide me with the verification of this item and that is reporting 100 % correctly. 

These cases above explained in detail how the true verification should take place with the bureaus. 
I actually went ahead and attempt to verify with the XXXX, and the actual court and these are the responses i received as shown attached.
I have been experiencing medical financial hardship for the past few years. I have spoke to this creditor numerous times for help in lowering my interest which is extremely high. over 20 percent. they have put me in 2 programs and still i made every payment on time which still was a lot of interest. i spoke to them today and asked to close the account and reduce the interest rate so I could make a dent in the balance. my advice was to transfer to another card or file bankrupcy or contact a third party. They were not willing to help at all. I continue to get letters and offers in the mail to keep using my card when I 'm not able to afford the payment and the interest. I would never use this credit card or company again. I have been through emotional stress and they could care less.
Hi, I opened my checking account ( account no XXXX ) in the branch XXXX XXXX XXXX, XXXX XXXX NY with a promo that would give me {$200.00} bonus if I make direct deposit of {$1000.00} or more monthly for 90 continuous days.However, I met the requirements but I don't see the {$200.00} bonus on my account. Tried to contact the branch but they were not able to help. Please refer to their advertisement below in the attachment.
The XXXX XXXX  XXXX loan with XXXX is improperly stating that I was late 119 days. I produced a letter showing the payment deferment status. The credit bureaus continue to improperly report which caused a 68 point drop in XXXX. I am seeking to apply for a new car loan and with the current status I am unable to get approved due to the 68 point drop. I emailed and faxed the letter showing payment status for the time frame that the Trans Union, XXXX, and XXXX  show as being late 119 days. Please help!!!!
I was sick 2 times during the life of my current 5 year loan with Santander auto USA I deferred XXXX payments to be added to end of loan and I noticed my maturity date was XX/XX/2017 now it sit shows XX/XX/2017 with a balance of XXXX my payment is XXXX so I called and said payoff for XX/XX/2017 is not accurate I ca n't see how loan will mature in XXXX making XXXX payment on a balance of XXXX the math does not add up I said please explain I spoke to supervisor XXXX she said maturity is not accurate you have to pay after that date to pay balance I said it does not add up or make since she said you deferred I said yes that is why my maturity date is now 6 months out no help just fyi Santander is in current class action for same example I am explaining please help I have never been late in 6 years
I applied for a refinance and was pre-approved. The sales agent said if the loan was not approved the house would not be appraised or the appraisal fee would be returned. My house was appraised but I never was informed about the status of the loan. I was cut off and all correspondence by me has not been answered. I have requested a return of the appraisal fee and I have had NO ANSWER. The process was appalling by all concerned and I would not recommend this bank to ANYONE.
Ocwen Loan Servicing has not paid our Home Insurance that was due XXXX XXXX, 2015. They collect for and escrow the money for it in our monthly payment it. My insurance Co called and said they would cancel the policy if not paid in XXXX days.
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XX/XX/XXXX on EXPERIAN credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section XX/XX/XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
I have a vehicle loan through wells Fargo Bank and I finally got my first statement after 9 months and I owe more on my vehicle now then when I got the loan I pay XXXX a month and statement says XXXX plus goes to principal so why is my loan high now after 9 months they never send receipt there XXXX me
Hello, I am not sure who I would contact in regards to checking the legalities of my Foreclosure in Idaho. I was Foreclosed XX/XX/XXXX/XX/XX/XXXX. My loan was originally through a different lender in XX/XX/XXXX. Then somehow it was switched over to Idaho Housing and Finance in XX/XX/XXXX without my knowledge. In XX/XX/XXXX I was able to modify my loan through the E-Help program. Although it took my percentage rate up to 5 %. In XX/XX/XXXX/XX/XX/XXXX I got behind on my Mortgage due to personal reasons. XXXX for 16 weeks and the XXXX of my mother which I needed to take FMLA to care for her prior to her XXXX. I attempted to modify my loan through Idaho Housing and Finance and they would not approve me to do so. They stated that since I am a XXXX that traveled at the time, I was considered a XXXX. I never received XXXX so I do not understand this thinking. If the government does not consider me a XXXX XXXX how can the lender state that I am a XXXX XXXX? I at one point met with the counselors and had all of the money to pay except for one month. I advised the counselor I would be able to catch up the following month with the full payment. He stated he would not Modify the loan still as I was considered a XXXX XXXX as long as I was a XXXX that traveled. There are a XXXX XXXX that travel for their work and I do not understand why I was singled out and not able to modify my loan. The counselor I worked with kept telling me that he was following the FHA rules. I called an FHA counselor and he stated it made no sense and he would have refinanced me with out an issue but my loan did not show up in their system. So obviously something was not right. I have no idea who to call to find out if this was a legal transaction government wise. Please direct me if you can. The loan number was XXXX through Idaho Housing and Finance in XXXX Idaho.
XXXX took out a loan on my behalf to pay for a Temporary Credit they say I owed them immediately upon graduation and that I could not setup a payment plan on. My understanding is that this is common practice for them and I am not the only person who has had this happen to them. 
There is no way I should have even qualified for this loan, or any loan from them, as I had no income and no co-signer when I applied for XXXX and no means to repay the loan other than a promise of a high paying job once I graduated. 
The loan was through XXXX XXXX XXXX XXXX
THEY ARE REPORTING ON MY CREDIT REPORT HOWEVER, I WAS NEVER NOTIFIED OF THIS DEBT
I checked my report via XXXX and my inquiries were all removed now they are all back on and I was not advised as to why? 

Why delete and then add them back?
I ASKED EQUIFAX TO VERIFY AND SEND ME VALIDATION OF THEIR DOCUMENTS WITH REGARDS TO THE BK LISTED ON MY BUREAU. THEY ADVISED THEY " VERFIED '' WITH XXXX XXXX. I SPOKE TO XXXX XXXX WHO ADVISED MY CONSUMER REPORT IS FROZEN AND THIS INFORMATION WAS NOT VALIDATED. I WOULD LIKE WHAT WAS SENT TO EQUIFAX TO VALIDATE THE BK. THANK YOU.
On or about XX/XX/XXXX I sent a letter to XXXX XXXX and XXXX to dispute the amount reported from XXXX XXXX Card to both credit reporting bureaus. I frequently utilize XXXX XXXX to monitor my credit report, upon doing so I discovered a mistake that was made by XXXX XXXX XXXX XXXX. 
Issue : On the credit report XXXX clearly did not indicate the payment that was made to them on XX/XX/XXXX ( {$54.00} ) & XX/XX/XXXX ( {$64.00} ) to both credit bureaus. Please see uploaded document form my XXXX XXXX online account billing invoice highlighted for supporting documentation. 

2nd Issue : I mailed a dispute letter to XXXX & XXXX XXXX to correct XXXX XXXX 's mistake. XXXX XXXX notified me by mail stating that this this information was disputed and updated. Upon receiving a new credit report from XXXX XXXX ( pg. 5 out of 12 ) still have down that I was thirty days late with payment. My XXXX XXXX card is due the XXXX of each month. XXXX XXXX failed to report this information correctly to my credit report.
Coinbase claimed that any amount of bitcoin that existed prior to the bitcoin fork of XXXX XXXX, 2017 would be available in my Coinbase account and be able to be withdrawn by XX/XX/XXXX. 

Prior to the fork, I had XXXX bitcoin in my Coinbase account, and thus, I should have been credited with XXXX Bitcoin Cash in my Coinbase account when Bitcoin Cash was implemented in their system ( like other users where ). However these funds failed to show up in my account. 

On XX/XX/XXXX, I filled a complaint at Coinbase ' support website. I have yet to hear back from them. I still do not have the correct Bitcoin cash in my account.
I received an updated credit report today XX/XX/18 from experian now they have listed XXXX XXXX XXXX XXXX twice as a charge off on my report. I am fed up as I cant get any help with experian correcting this. This account I disputed several times because it was confirmed to be removed off my report now its listed two times. Which affects my credit score in a negative way. Also XXXX  XXXX XXXX was to be deleted as well but is still appearing on my report.
While in the process of refinancing my mortgage with Bank of America, I cancelled my automated bill pay effective XX/XX/XXXX. My refinance was scheduled to close/fund XX/XX/XXXX however it did not close until Friday, XX/XX/XXXX and did not fund until the following Monday, XX/XX/XXXX. 

After everything concluded I received a late payment notice advising me my payment was over 30 days late. I contacted a Bank of America customer service representative and arranged to pay the missed payment via the bill pay system. At that time the representative suggested I follow up with checking my credit, but due to the circumstances she summized Bank of America would not report the late payment. 

I made that payment ( {$1000.00} ) and it posted to my Bank of America checking account on XX/XX/XXXX, making it technically 34 days late. However, the payment was credited back to my account on XX/XX/XXXX, because my refinance had already funded and the mortgage had been paid in full and closed. 

Upon researching this, I also discovered my refinance closing statement shows the funds were issued to Bank of America on XX/XX/XXXX. However, upon speaking with multiple customer service representatives, Bank of America did not apply the funds and close my account until XX/XX/XXXX and no one could give me a clear answer why it took them an entire month. 

I would also like to say, at the time I had four mortgages with Bank of America. Each account had been open for about 10 years and I had never made one late payment. In addition, my mortgage was paid directly from my Bank of America checking account, which clearly had more than enough funds to cover the amount due. Finally, a final payoff notice had already been sent and received from Bank of America for his loan, so they were well aware it was in the process of being paid off. 

I was made aware on XX/XX/XXXX that Bank of America reported my mortgage payment was over 30 days late, effectively eliminating my chance to obtain a new mortgage and purchase a new home. I immediately contacted the Bank of America customer service and was advised they would send a request to their credit reporting department. 

I called today to follow up and was hung up on twice by two different customer service representatives. The second time, after asking to speak with her manager.
I have a complaint against XXXX XXXX and their collections agency they use. I have used XXXX XXXX  only once, to pursue a online certificate. I paid in FULL. I now have 3 different collections on all 3 of my credit reports with 3 different amounts and 3 different dates. I have disputed non stop since XX/XX/XXXX asking for proof and original documentation of these " collections ''. Nothing works. They keep it on my credit reports which is damaging my credit horribly. First account with XXXX XXXX was in XX/XX/XXXX. That is all. No other accounts. I never received any letters or phone calls stating there was a  problem. Please help me fix this and get all 3 of these off my credit. Thank you.
On XXXX and XXXX my Transunion reports from XXXX XXXX showed no inquiries. 
This was a glich in TransUnions site, on XXXX they all reappeared, I was never informed the 5 days per FCRA section 611 by TransUnion, I called on XXXX and spoke to XXXX in the Special Handling Deparment, informed her of the information and asked for the inquiries to be deleted. She stated no. TransUnions glich was not in my control and now that they have broke the law and affecting my credit negatively they do not want to do what is right ( per law ) since they broke it. Please advise.
My card and pin was used at a location I was not at, in a large sum. Chase fraud refunded the transaction but now has reversed the refund stating " Since the pin was used it can not be proven to be a fraudulent transaction ''. I have proof I was at my work office at the time of the fraudulent transaction, and I reported the fraud as soon as I received a notification from Chase.
On XXXX/XXXX/2016 I paid the REMAINING BALANCE of my mortgage in FULL via XXXX check in the amount of {$1.00}. 
On XXXX/XXXX/2016, " XXXX '' informed me my payoff could not be applied to my account until a {$41.00} recording fee was paid. 
On XXXX/XXXX/2016 the {$41.00} recording fee was paid via XXXX check. 
Today, XXXX/XXXX/2016 I have received a late fee of XXXX for the {$1.00} remaining balance because XXXX XXXX/ '' XXXX '' never applied my payment to my account ( violation of FCRA ). 
My {$41.00} recording fee was never applied to my account either ( violation of FCRA ). 
My loan has failed to be reported as PAID IN FULL to ME or the credit bureaus ( violation of FCRA ). 
It is almost XXXX and BSI continues to sit on my payments instead of applying them in hopes of squeezing out late fees from consumers ( violation of FCRA ). 
Today, I called BSI and refused to get off the phone until I had emailed proof of application of payments. " XXXX, # XXXX '' and " XXXX, # XXXX '' hung up on me on two different occasions as I sat in front of my computer waiting to receive this " promised '' email. 
I finally received a " payment history '' from XXXX XXXX, however the payments still show as unapplied! 

BSI has a long history of refusing to apply payments and charging late fees to consumers, not to mention daily harassing phone calls ( 3-5 per day ) starting the XXXX of each month when consumers have a grace period until the XXXX! 

When will someone DO SOMETHING about the XXXX and XXXX caused by this company on honest, hardworking, PAYING consumers like me!!!!!???? 


XXXX XXXX
I have tried several times to get the credit bureaus to assist me with removing a fraudulent bank XXXX that is showing on my report. I have provided them with proof of identity theft and steel I am being told that the information is reporting accurately on my account. This is unfair and not have all the credit bureaus are supposed to work, I I have tried several times to get the credit bureaus to assist me with removing a graduate bank XXXX that is showing report. I have provided him with proof of identity theft and steel I am being told that the information is reporting accurately on my account. This is unfair I am not how the credit bureaus are supposed to work. I am to consume and I have tried previously three times to remove my public record from my XXXX and Transunion reports. I have supplied the proper information to the credit bureaus as well as Ive disputed these items and I am still being told that XXXX XXXX is supplying this info to the bureaus and I know that this is not factual. I am requesting assistance from you all to help me get these items removed immediately because they are affecting me negatively and is hurting my chances of improving my credit.