WillisBack/dataset-financial-user-claim huggingface dataset:
I receive a Form XXXX last year from Ocwen because filed for modification of my mortgage loan. Ocwen modified my loan and canceled a portion of the debt I owed in the amount of {$19000.00}. I understand that according to the IRS, this means that Ocwen is writing that amount off as a cancellation of debt and I no longer have to pay it back the {$19000.00}. Therefore, I need to include the amount of debt from XXXX report on my tax return as income which I did. As a result, it caused me to have to pay in taxes to the IRS last year, which I never had to do before when I filled taxes. 

This year, I filed for another modification with Ocwen. while speaking to the agent he informed me that I was approved for the modification and went over the terms with me. Ocwen stated that with this new modification called trial plan period that my principal balance is {$79000.00}. I ask the agent why is my loan so high, that its almost back the amount of my loan before the first modification ( {$87000.00} ). The agent said that the add {$12000.00} of the {$19000.00} back to the loan. I told him that they could not do that because that amount was charged off and reported as income on my taxes. 

My second complaint is also that there 's a balloon payment that will be of {$61000.00} at the time this note matures on XXXX XXXX. In my first modification the balloon payment was due XXXX XXXX, XXXX for {$16000.00}. In my opinion this is not a true loan modification. I feel that I am be taken advantage of, please help me. I have enclosed the first modification paperwork, the trial period paperwork that a sent me they will mot give me the permanent modification until the XXXX payment of {$400.00} have been paid, and the XXXX form I used to file my taxes.
I have contacted Experian multiple times in the last 2 years and they refuse to report my chapter 7 bankruptcy accurately. I have provided the discharge paperwork and still even as of this morning. They claim their " public record vendor '' has to provide the information and has not. I was also told they ca n't take a copy of the discharge from me either. This is ridiculous and is inhibiting my ability to apply for apartments, job screening etc. due to the low score as a result from inaccurate information.
We owe Chase {$14000.00}. If we only owed  XXXX  at 20 % interest we would need 40 years to repay the loan. My wife is  XXXX  and her name is not  XXXX . We can not pay this loan in our lifetime. We called Chase on the  XXXX  of  XXXX  and talked with  XXXX   (   XXXX   )  and he said he could lower our interest to 6 %, payment of $  XXXX  /month but said  they decided not to help us. It was irresponsible of Chase to create an uncontrollable debt and refuse negotiation. It constitutes fraud on their part. I have both fraud and antitrust issues with them. I defaulted on loan.
Hi, I write to you, because I have ran out of options. I have tried contacting Coinbase over 9 times via email and over there XXXX customer support. They have a telephone number but its completely useless. There customer service is the worst Ive ever seen. They are a cryptocurrency exchange company, one of the biggest in the world, but in my opinion they are committing fraud on hundreds of people. And they get away with it because of there terrible customer service. I started investing with them in XX/XX/XXXX, I invested in XXXX and XXXX currency. I have invested over {$1000.00} with them, but on XX/XX/XXXX, I traveled to XXXX for vacation, and all I did was open there app to check the value of my coins, and pfff just like that, as soon as I arrive to the states which was on XX/XX/XXXX, they had blocked my account because of my travel to XXXX. Account has been blocked for 2 months, and there is no help in sight. They always come back with the same response, we are working on it with a specialist. Really?? For 2 months?? This a multi million dollar company, and what they are doing is fraud. I have over {$1000.00} invested and in XXXX day they stoled it from me. its not right. It does not take 2 months to unlock some ones account, for something so stupid like traveling to XXXX. and like me, there are hundreds of people, and the only people getting there account open are people filing a lawsuit. I ask for you help, because I guess im a small fish in a large pond, and I do n't know what else to do, besides filing a lawsuit or traveling to XXXX XXXX and knocking on there door. The current value of my currency are close to the {$1500.00} mark. It fluctuates on a daily bases. All I want is my account to reopen and I have access to it. I understand you guys are extremely busy, but I beg of you for your help. 
Thank you
Today XX/XX/XXXX I had my credit ran at a local dealership and it still showed that I have a car loan on my credit from a car I no longer have.
In early in XXXX, I received a call from Kohls collections letting me know that I had an overdue payment due. I told the representative that I was surprised to hear this and I must have overlooked something. I have a perfect payment history with Kohls and all other creditors. I asked the woman on the phone that if I made a payment on that day, would it be reported to my credit score? She verified with a supervisor that as long as I made the payment on that day, it would not be reported to my credit score. I was relieved to hear this and gladly made the payment. When I checked my credit score a month later, I was shocked to see that Kohls had indeed reported it as a delinquent payment. I immediately called Kohls and spoke to another representative. I explained the situation and how the first rep assured me it wouldnt be reported. She then also checked with her supervisor and said that they would redact the negative credit report. I was relieved to hear this and was pleased Kohls was honoring what the first rep told me. Today, I received a letter in the mail telling me that they have decided not to honor what either rep told me and the negative credit reporting would stick. I immediately called in and spoke to a supervisor named XXXX and told him the story. He then says to me, Maam you know this is recorded call right? Well we have you on recording admitting that you missed a payment My complaint is this : I was lied to by the first representative when she said it wouldnt be reported to my credit. Then I was lied to AGAIN when I was told that it would redacted. But worst of all, your supervisor XXXX THREATENED me by saying you have on recording that I said I know I missed a payment. This is disgusting and insulting to a Consumer. My issue is not with your credit reporting practices. I understand the need for that to be consistent. However, it is deceptive to the customer to have representatives lie or provide false information to them. On the second call, the rep could have easily let me know there was a decision making process and I could expect to receive a decision in the mail.
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX DOB XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : Provide Physical Proof of Verification 1. XXXX no account number Unverified Account 2. Chapter XXXX no account number unverified account Thank You, XXXX XXXX Attached : Copy of my Social Security Card & Drivers License is attached
We have been trying to short sale our home for XXXX months!!!! CitiBank has been continuously and purposely been delaying their review so they can auction our home off. We and our attorney have continuously submitted EVERYTHING they ask for in a timely manner. It takes Citi weeks to respond to our phone calls and emails and when they do finally respond, they say that what we sent has expired ( because they took too long to respond!!! ) The file is also in homepath because it is a FNMA loan. The file keeps getting closed out of homepath because of Citi 's lack of response. We have a sale date now on Wednesday even though Citi confirmed that they finally had everything they needed to issue an approval on this file after XXXX MONTHS of reviewing it. Citi promised us that this sale date would be cancelled but it is not. PLEASE HELP!!!!
The information that my XXXX was included in my bankruptcy is incorrect. We actually reaffirmed our mortgage and have NEVER missed a payment! We are still current on it. Please correct the reporting of this information as it is hindering my ability to refinance my mortgage. This is a direct violation of the FCRA.
I would like to file a complaint about my loan servicer ACS educational services. I submitted an IBR form online which was not accepted electronically. I submitted hard copies of my XXXX as well as their form. The years have not processed it. I repeatedly spoke to them and resubmitted the former following their instructions and their guidelines. They keep sending me reasons why they can not process my IBR. I have not had this problem with my other loan company XXXX XXXX.
I received a letter dated XX/XX/XXXX from IC System alleging that I owe them {$220.00}. I have never done business with this company nor have I ever heard of them until I received this notice. I sent a letter to IC System requesting debt validation as per the FCRA. IC System responded to my request on XX/XX/XXXX by sending photo copies of a cable bill, with nothing bearing my signature, and placed this account on my credit report. 

On XX/XX/XXXX I sent another letter to IC System informing them that according to the FTC opinion letter from Attorney XXXX XXXX XXXX, photo copies of an old bill does not constitute verification. This letter was signed for by XXXX XXXX at IC System on XX/XX/XXXX. 

As of today, XX/XX/XXXX I have yet to receive any type of communication from IC System. This alleged account still remains on my credit report and is being reported by XXXX, XXXX, and XXXX. IC System is in violation of the FCRA & FDCPA. 

I am requesting that this account be immediately deleted from my credit report because it is causing damage to my credit file.
On XXXX-XXXX-2017 I received a loan from Big Picture loans in the amount of {$320.00}. I was not informed of the apr of 598.3962. I was informed that there would be a finance charge of {$140.00} not that I would be paying over {$1700.00} in total payments, and that I was unable to view the truth in lending disclosure until after the loan had been processed and funds delivered to my account.
In XX/XX/XXXXI upgraded my American Express card from an XXXX card to the XXXX card. The XXXX card did not have an annual fee, and upgrading to the XXXX card had an annual fee of {$450.00}. I understood the upgrade to the annual fee, but what was offered on my American Express account webpage was that the upgrade would be free for one year. I upgraded in XX/XX/XXXX. In XX/XX/XXXX I was charged the annual fee of {$450.00} and upon further research I was no aware that they immediately charged me a prorated fee of {$180.00} in my XXXX statement. Again, I was aware of the fee to be charged annually, but was mis-informed with their advertising of free for one year. This was not disclosed properly to me the consumer and I believe is improper sales tactics with their marketing. I complained via a phone call on XX/XX/XXXX at approximately XXXX XXXX EST and the phone representative stated that the fee free for one year was for new accounts only. This was not disclosed to me properly at the time of accepting this offer as i have had an account with American Express XXXX. The offer popped up on my American Express account homepage, therefore it was known that I had been a customer of theirs and not a new customer. I would not have taken the offer if i was to immediately pay the fee, as I thought it was a good deal to have the first year free. The customer rep said if i had called in to upgrade this would have been disclosed to me properly. If this is the case then they should not allow these upgrades/new applications via the website, as they are falsely advertising the credit card and fee requirements.
Frost- Arnett company Account number is XXXX master number is XXXX my balance is XXXX. 

I made arrangments with them to pay XXXX a month and i have been online for a while now on their website, however they made a change when i tried to pay them the XXXX i was paying, the website would only accept a higher amt like XXXX and i could n't pay that at the time, also i did send in my payment by mail for XXXX dollars. I think the broke FDCPA law because they asked for a higher amt to pay online and when i tried to pay the XXXX the website wouldn '' t accept it. ALso because ofthis it was placed on my credit report when i was making payments i dont't think that is right. I have made a agreement and it wasnt honored. that upset me as a consumer. I would like for this matter to be handled. I dont have a issue paying my debt just dont like the way the website forced another amt on me. and had to get a stamp and send a payment.
On XX/XX/18 at XXXX I attempted to check my dispute with TransUnion, and the system wanted me to log in. When i entered my information the system had me fill out additional information, then i was " signed up '' for a credit monitoring service and charged {$19.00}. I noticed immediately when i recieved a bank notification, so i called TransUnion and explained that i didn't want their credit monitoring service and i was only trying to check the status of my dispute. They kept me on hold for quite some time then told me the error had been corrected. 5 hours later I noticed the charge was still pending and no action had been taken, so i called back, this time after i explained what happened again the employee said she was having trouble accessing the system due to a company wide " update '' i was put on hold multiple times for about 30 min. finally i was told to call back in a few hours to see if they could access the system. I asked to speak with a manager, this happened promptly and the " manager '' was able to immediately tell that the " service '' had been canceled but the charge was not removed because they assumed i wanted the service for the current month, despite the fact that I told all 3 of the people i spoke with that I was guided through the signing up process on their website whild checking a dispute against my credit not buying credit monitoring. I asked the manager about the system wide update and how she was able to access my information so quickly during it, she said that employee was having computer trouble. She said that she would refund the money for me because i had called back on the same day, but it might take up to ten business days to process. I was very upset at this point and just told her thanks and got off the call. I called XXXX afterwards, they put the money back in my account right away and disputed the charge. 
I feel like i was scammed into signing up for it in the first place then lied to about the charge removal. Then lied to again about the computer problems in some kind of attempt to keep my money while I waited for them to " fix '' their system. 
I'm not even sure if you are the orginization I should be writing this to, but I wanted to tell someone at least.
Phoenix Financial Services is trying to collect {$440.00} for a physicians bill I am not responsible for. The bill is dated XX/XX/XXXX. Phoenix account number is XXXX. This is the same item that I disputed and filed a complaint in XXXX XXXX Re : XXXX Complaint # XXXX ... XXXX XXXX XXXX. I sent an email to Phoenix Financial on XX/XX/XXXX outining my dispute and followed up with a phone call today XX/XX/XXXX with an employee named XXXX. I repeated my position with her. She then tried to offer me a discount, I repeated I was not responsible for this bill and that was the extent of the call.
My credit score is over a seven hundred and I have no late payment and zero utilization on my current credit card. I meet all of the requirements for a Discover Card listed on their application process but still was denied.
These are the same accounts from CFPB case # XXXX. Also, please see the attached letter from XXXX which states my identity has been exposed to the public. 
These accounts were already removed and someone, please remove them ASAP. 

account has not been paid as agreed. 
XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$110.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$110.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Consumer disputes this account information, XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$130.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$130.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Consumer disputes this account information, XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$180.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$180.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Consumer disputes this account information, XXXX Agency Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported : XXXX Date Assigned : XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. 
Original Amount Owned : {$120.00} Date of 1 st Delinquency : XXXX Balance Date : XXXX Balance Owned : {$120.00} Last Payment Date : N/A Status Date : XXXX Status : D - Unpaid Comments : Consumer disputes this account information, Collection account
Credit Clearing House of America, Inc.is in violation of the Fair Debt collection Practices Act ( FDCPA ), in which have not validated derogatory information on my consumer credit report they added XX/XX/XXXX and reports monthly. 
This account does not belong to me and I have never signed a contract with this company. And they have never mailed documentation in reference to a debt, or contracts containing my signature or information. 
They are stating I owe them a balance of {$190.00}. 
A request for VALIDATION was mailed XX/XX/XXXX, with no response.
On XX/XX/2018 I deposited a {$5000.00} personal check into my account through the mobile banking app on my phone. On XX/XX/2018, this posted as a present balance but not available balance. On XX/XX/2018, 7 calendar days after I made the deposit, the funds were still not available and I called Chase. They started questioning what the purpose of the funds were for. Then they stated that because I don't normally make deposits of this size, they were going to hold the funds until XX/XX/2018. They did not give any reason as to why I was subject to this unreasonably long hold of 12 days other than the fact they couldn't verify the funds from the bank XXXX XXXX where the check came from through an electronic portal and that I'm not a customer who " routinely makes these deposits this large ''. 

The actions by Chase bank for placing an unreasonably long hold on my check deposit are a violation of 12 CFR 229.13 because my circumstances don't meet the basic definition required to establish doubt of collectibility : ( e ) Reasonable cause to doubt collectibility ( 1 ) In general. Sections 229.10 ( c ) and 229.12 do not apply to a check deposited in an account at a depositary bank if the depositary bank has reasonable cause to believe that the check is uncollectible from the paying bank. Reasonable cause to believe a check is uncollectible requires the existence of facts that would cause a well-grounded belief in the mind of a reasonable person. Such belief shall not be based on the fact that the check is of a particular class or is deposited by a particular class of persons. The reason for the bank 's belief that the check is uncollectible shall be included in the notice required under paragraph ( g ) of this section.
I have been trying to get the freeze temporarily removed from Equifax. However, the freeze has been on for several years and I do not have the pin that they said they gave me when I first activated it. Now they say I must mail them Identification in order to get my pin re-sent. I am trying to do some financing and they are telling me it will be 8-10 days afetr they get the mail before they will send out my pin. This is causing a problem with my financing. The other companies have on-line ways to verify my identity but equifax told me they can not ( or will not ) do it on-line. Can you help?
I was taken to the emergency room at XXXX XXXX XXXX in XXXX TX. on XXXX XXXX, XXXX. I am XXXX Vet, all my medical is paid by the VA. I had confirmed with the VA and XXXX XXXX the bill was paid in full. In XXXX of XXXX I received a collection notice for {$770.00} from Debt Recovery Solutions , LLC XXXX XXXX XXXX, New York XXXX. I immediately called the VA and they confirmed this bill had been paid 5 years ago. The hospital also confirmed the bill was paid. When I called Debt Recovery Solutions the agent was extremely rude in fact hung up on me twice. I called back and asked some questions but the only thing he would say was send a fax proving the bill was paid and hung up. There was no fax number on their notice so I called back and he gave me one. I recently got a notice that there was problems with my credit score and I needed to address this problem. I pulled up my credit report I get once a month from my bank ( XXXX ) and was shocked there were XXXX outstanding amounts in collections, all were from previously paid medical expenses paid in full by the XXXX of witch I also just confirmed paid in full. I have a strong feeling that this company is targeting VA payments that do take some time, over a year to settle up. Through skip tracing methods they can easily find laps periods between XXXX XXXX for Vets and the final resolution of payment by the VA. This example of receiving a collection notice 6 years after services rendered, and after confirmation from the VA. is very troubling and has dropped my score more that XXXX points. Can I get any help with this and my credit scores?