WillisBack/dataset-financial-user-claim huggingface dataset:
i Have a current loan with OCWEN mortgage. They agreed thru a bankruptcy court action, via a signed agreement, that they would honor a former modification applied for in 2011. Approved thru my BK # XXXX plan and signed by the JUdge. XXXX decides at a later date they will NOT honor the signed agreement. I had to obtain services of a lawyer to force them into agreement last summer. On XX/XX/XXXX, same year they file a NOD, after agreeing my loan was current. They now have just filed a NOS. They refuse to honor signed modification or agreement done thru XXXX last year. In addition, they refuse to accept current payments on my loan. I now face having to refile XXXX. I also had to spend another {$5000.00} in legal fees to bring a federal action. Can CFPB help me in any way to open investigation into this matter? I only have limited time. 

XXXX XXXX
XX/XX/XXXX - XX/XX/XXXX   {$10000.00}  XXXX   XXXX   XXXX  says I owe Dispute after dispute after dispute to no avail ...   Contacted th e Better Business Bureau an d reported incident Reported to  The Attorney Generals Office  and told entire story Called  XXXX   XXXX . Talked to a representative that assured me this would be rectified and taken off my report, but failed to do so.
This is a follow up on complaints number XXXX, XXXX,XXXX.

Bank of America is violating the FEMA guidelines during a forbearance process in a federally designated disaster zone. I have been battling Bank of America for almost a year on their fraudulent practices in dealing with the FEMA designated disaster zone and the federal regulations allowing forbearance of a XXXX XXXX   and XXXX XXXX loans.

They are also violating the fair lending act by modifying my loan parameters and my property rights during what is supposed to be disaster relief.

Bank of America just sent me my paperwork for my loan modification for the forbearance of my mortgage as a result of the hurricane Irma. In the modification Bank of America is taking advantage of the people in need by not only modifying their loan but taking away rights with added language they have fraudulently added to the loan modification document. The only modification that is allowed by federal guidelines it to cap and extend the loan by adding the number of payments without penalty to the end of the loan and extend the loan by that number of payments. No where in the federal guideline does it state that they have the right to modify the property right of the owner. This is clear violation of federal law and thy need to be investigated.

All the terms of the XXXX XXXX   LOAN MODIFICATION AGREEMENT are fairly standard and only reference the current loan and any additional paperwork that needs to be signed.

Section 4. Additional Agreements Section P.

This section is taking my rights away from my property in the event of a default. This section allows BofA to hire a receiver ( property manager ) to take over my lease ( if the property at the time of default is being rented ) and take my rental income. This section allows them to take over my lease, charge management fees, and take over my lease in the event of a default. Please read this section carefully.

Bank of America is taking advantage of a disaster relief and in the process they are taking away my property rights. I find that this to be a very underhanded way of taking advantage of people in a time of need. It is illegal. I am basically being forced to either sign the agreement which take away my property rights or they will not give me the modification.

Please investigate the legality of this clause and please investigate Bank of America for violation of federal guideline.
I settled both of my Capital One accounts with the law firms handling the debt. I have disputed the balance multiple items on my credit report to show updated as paid in full and Capital One is refusing to update it which is causing my credit score to remain really low. They ca n't do this and it needs to be removed from my credit report now since they are reporting inaccurate information.
XXXX. The owner has been trying to get Ditech to pay us so we can get started but can not get them to release the funds they have in escrow from the insurance company. The owners have given me authorization to speak with the mortgage company on their behalf. The autho letter was sent last week along with me faxing it today. They tell me it will take up to a week before they can speak with me. The owner has been waiting for them to pecessour first draw for well over 2 months now. They have the money but keep adding to the requirements to get it.
On XXXX XXXX, XXXX a XXXX Checking Account of {$260.00} was opened with the Citizens Bank in XXXX, CT as a requirement for an IRA account. The IRA was moved on XXXX XXXX, XXXX and the checking account was left. Unbeknown to us, because of insufficient funds ( {$5000.00} or less ) in the bank, a charge of {$17.00} was being removed from the account on a monthly basis. We had no idea that this was happening! No contact from the bank was ever made to alert us either by mail or e-mail. We have never received any statement from the bank from the onset. We never agreed to an e- statement they said we did. 
I filed a complaint with the State Banking Commission who sent it along to another because of not being of their jurisdiction. The case no. Assigned is XXXX. 
I received a letter from theCitizens Bank XXXX XXXX with copies of statements showing the depletion so that we never received! They also refunded one half of the funds, {$130.00}. I called her and explained the above and said that was all they were willing to do. Please look into this matter.
I made the  XXXX     2017  payment. US Bank stated I did not make the payment.   XXXX  I provided a canceled check showing them cashing the check and receiving the funds but they refuse to credit the payment to the account.   XXXX  They are now reporting me late to the credit bureau and charging late fees.   XXXX  I filed a dispute on  XXXX . They said it would be fixed and resolved by  XXXX  but as of  XXXX  after spending  40  minutes on the phone it 's still not solved.
Ocwen has had a negative on my credit report since I sold my home in 2015. I have been writing to the credit reporting agency to have it removed but Ocwen has refused to take the negative off. I joined in a class action suit against Ocwen and case was settled in our favor. Copy of the settlement letter and check from the Dept of Business Oversight is attached hereto. When I have made calls to Ocwen they say they have no record of me and asked me to provide the dates in question. Yet they still report negative info.
I currently pay XXXX monthly on XXXX separate accounts to Asset Acceptance. The XXXX accounts originally belonged to XXXX XXXX and were turned over for non-payment many years ago. I have been receiving statements monthly for many years stating that I owe many many thousands of dollars above the original amount and when I called they stated that I am on a " non-interest '' bearing account of {$20.00} payment on each account monthly probably for the rest of my life I guess I have diligently send XXXX monthly for years at supposedly no interest, according to our agreement. Why does my balance increase each month on my monthly statement for an original balance on XXXX accounts of $ XXXX to like $ XXXX now????? 
I would say enough is enough and an old debt is an old debt ... Why are they doing this to me? I have n't received correspondence except for my monthly bills, which state my incorrect balance, and the fact that XXXX checks for {$20.00} are being written by them from my checking account ... they refused to do business with a debit card and everything always seems to be " their way '' ... .Also they will not accept e-mails and it 's now 2016???? 

Please help me settle this unfair debt!
Back in 2014 Bank of America I contacted Bank of America regarding a credit card. When they told me the terms of the account they were approving me for I immediately rejected the account and told them I did n't want it. This was IMMEDIATELY, I did n't wait to get the card etc. I never had this account. Bank of America has reported on all XXXX major credit bureaus that I had this account for 3 months and closed it, which is not true. This is negatively impacting my FICO score. I disputed the report on all XXXX bureaus and the bank responded that their claim is correct so it remains.
In XX/XX/2018, I received a letter from Capital One indicating that my account was now sent to the " Recoveries Unit ''. I proceeded to call Capital One on XX/XX/2018 in hopes of reaching an agreement that would allow me to maintain a positive relationship with XXXX offered me a monthly payment of {$150.00} until the account was paid to a {$0.00} balance. I advised XXXX at that time, I could not agree to ANYTHING without having the terms sent to me in writing for my review. She then advised me that without a payment being made by XX/XX/2018, she could not guarantee that the account would not be placed for collections with a local attorney. However, she did agree to provide me with the terms of this proposed payment plan within 7-10 business days of the call. After not receiving the letter XXXX promised, I again contacted Capital One on XX/XX/2018. I was advised that XXXX was not available and that their records indicated that the letter was mailed. Again, I advised them that I did not receive the letter. I was then told that a copy of the letter would be mailed again. The representative advised that they could only hold the account in their office until XX/XX/2018 before the account would be placed in collections. I was then questioned about a completely different Capitol One account that I never opened. I informed the representative that the account that I spoke with XXXX with is the only account I had with Capital One. On XX/XX/2018, I called Capital One to inquire about the account that was mentioned on the previous call that I did not open. I was informed by this representative that they could not provide me with any information after my admission of not " owning or opening '' the account. As to date, I have not received a proposal for a payment plan to keep the account I spoke with XXXX as she and the second representative promised. On XX/XX/2018, I received an e-mail indicating a payment plan that I did not agree to with completely different terms than discussed.
I have several loans that I consolidated from XXXX to XXXX. There is one loan remaining with XXXX that has not been moved that is causing my credit score to continue to drop. Loan # XXXX. This loan is being recorded as joint. IN XX/XX/XXXX, my ex spouse and I were trying to consolidate his XXXX loan and my loan with XXXX. We were told that we could not consolidate the loan because his loan was in default. However, my loan was placed into his name. For nearly 20 years we have disputed this and have gotten NO results. They have constantly reported negatively on my credit report and his. Just recently, I spoke to XXXX at XXXX XX/XX/XXXX. She said she was going to look into this as a top priority, but our credit scores has since drop down XXXX point. I need help in getting this loan out of my ex husbands name ( XXXX XXXX  ) so I can consolidate with my other loans with XXXX. This has hindered my as well as his ability to obtain credit. We need help ASAP
As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order XXXX to make recompense and pay redress and compensation for their trespass against me. XXXX has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt  unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 18. Invasion of Individual and Family Privacy
My name is XXXX XXXX and I am writing you about a bankruptcy listed on my Equifax credit report, in which I have tried to have it removed. Apparently someone with a similar name to mine filed bankruptcy in the XXXX, and it is appearing on my credit report. After contacting the Bankruptcy Court, they informed me that they do not provide anyone with a debtor 's full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As they well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report.They continue to report the bankruptcy verified. Please find with this complete of my proof that they have never verified this with the furnisher. 

" Under Section 611 of the FCRA, if a consumer disputes the completeness or accuracy of his or her credit file, thecreditbureauhasanobligationtoconductareasonablereinvestigation.79 Thebureaumustgenerally complete a reinvestigation within 30 days, in which it must consider all the relevant information supplied by theconsumer.80 Moreover, ithasfivebusinessdaystoforwardthedisputetotherelevantfurnisher.81 The credit bureau notification to the furnisher shall include all relevant information received from the consumer.82 Ifthereinvestigationdeterminesthattheconsumer'sdataisinaccurate, incomplete, orcannot beverified, thebureaumustdeletethedisputeddata.83 Furnishershaveindependentobligationsunderthe FCRA, after receiving notice from a CRA of a consumer dispute, pursuant to Section 611 to conduct an investigation into the disputed information, to review all the relevant information provided by the CRA, and to report the results of the investigation to the CRA. ''
Basically what happened is before XXXX in 2015 someone that I do not know deposited checks into my bank account in the amount of XXXX dollars and withdrew the money from an atm in XXXX. I changed my password immediately on my USAA app on my phone and reported this fraudulent activity to USAA. I did not hear anything from them and suddenly my bank account was frozen and my account was XXXX. Shortly after I was unable to get any of my XXXX paychecks and the bank said that money can only go in not come out. I have not received any paychecks since this time and now they say that I owe XXXX to reopen my account. I am a XXXX veteran and times are tough I can not pay the XXXX and in addition to that I am unable to work to make any extra funds. would just like my money back that is mine and was payed to me from the XXXX administration and from social security. I have had Usaa for approximately 9 years and I feel like they have left me for chopped liver. Any help would be greatly appreciated. 

very respectfully, XXXX XXXX
I was summoned to XXXX County Court, MA on XX/XX/XXXX and XX/XX/XXXX respectively by a law firm ; XXXX XXXX XXXX XXXX XXXX XXXX representing XXXX XXXX XXXX and XXXX XXXX XXXX As Assignee of XXXX XXXX XXXX for a credit card debt in the amount of {$2400.00}. I was vindicated by the court as not responsible for the debt. Attached is the disposition of the judgement from the court. I have since then sent 93A demand letters both certify and 1st class mail to the plaintiffs in the case for them to delete the negative item from my credit report but they refused to obey the court order. The letters sent to them were dated XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, More so, I have send similar letters to the three Credit reporting Agencies, XXXX, XXXX and XXXX to make due diligence and remove the negative item but to no avail.

Attached is the response from the Law firm XXXX XXXX XXXX XXXX XXXX represented XXXX XXXX XXXX and XXXX XXXX XXXX.

Attached also is the response from XXXX XXXX XXXX  It is pertinent to note that, since I was vindicated by the court I have written numerous letters to XXXX XXXX XXXX both certify and 1st class mail to delete the negative item from my credit report and they never responded to my 93A demand letter.
In XX/XX/2018 I opened a XXXX auto loan with Chase Bank. Today, I tried to make my payment via the telephone and was unsure of whether it had gone through or not. I called in to make my inquiry, and I spoke to, and was transferred to/from, 5 people. Each of these people would not speak to me until I gave them my SSN, make, model, year, DOB, and address. Just to get the understanding that my auto loan payment I made via the telephone was proper, I had to decide this information 30 times. Yup, 30 times. The Chase system is too arduous and too difficult to manage if even I can not access information. Of course, their representatives were horrible and difficult. I further do not wish to give out my private information to call center representatives, as that practice is incredibly unsafe in its own right.
While checking my personal credit report, I noticed XXXX Employers listed as XXXX and XXXX on EXPERIAN credit report. I have never been employed by these companies. I am requesting that EXPERIAN immediately remove these names from my credit file, listed as my previous Employers on my credit report immediately. I have attached a screenshot of the incorrect information listed on my credit report from XXXX
XXXX performed an unauthorized inquiry of my credit file on XX/XX/2016. I have a voicemail saying they took it upon themselves to pull my credit. I did not authorize this inquiry, and would be happy to play the voicemail for CFPB or XXXX. I disputed this inquiry, yet XXXX has not removed it from my credit file. During the dispute process ( XX/XX/XXXX ) someone at XXXX made a mistake and switched my current address with my previous address, now the address section of my personal information file at XXXX is incorrect. My current address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ca XXXX. My previous address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ca XXXX. Until this point, XXXX, along with XXXX and XXXX have been reporting my address correctly ( photo attached ). I have enclosed an XXXX research request form provided by XXXX that has my current address wrong. Also enclosed is my current address as previously reported correctly with all three credit bureaus. Additionally, XXXX utility bills with my correct current address are attached.
I have filed complaint after complaint. Ocwen started threatening me with foreclosure due to a second mortgage that was discharged in bankruptcy. I was advised by the bankruptcy attorneys to refile bankruptcy to stop the foreclosure until they could correct the error they made in not filing the lien strip even though the money was discharged. I did just that. I wrote the courts and advised I was paying monthly to the courts even though my debts were discharged. To no avail. The case was dismissed several months ago. Now Ocwen wants the entire balance paid. On XXXX XXXX 2015 I called Ocwen and asked for a payment arrangement. The agent did n't ask any financial information but told me I had to pay XXXX in 2 days and another XXXX in 3 weeks and XXXX monthly. I could do that. I asked for the XXXX. I was told it would be sent out on XXXX/XXXX/15. I called Ocwen a week a letter asking for the modification packet. I was told it was sent out. I asked what address it was sent to. The agent gave me an erroneous address. I stated that back in XXXX I updated my address with Ocwen. I advised them I had the employee repeat the address twice and he got it correct. I advised I did n't receive the packet. Someone changed the address in the system. The employee advised it was faxed to me. I stated I do n't have a fax nor did I provide a number. He then stated oh it was mailed. As of today I have n't received it. I asked Ocwen what did they mail out to me. They mailed out foreclosure papers. I advised I did n't get anything because the purposefully sent it to Georgia. I asked if it was certified they stated yes. But could n't state who signed for it. I advised them i felt it was illegal to try to deny me the right to keep my home and foreclose without my knowledge. I set up a payment arrangement today. When I received the email it was entirely different than what we agreed on. I am pleading with CFPB please look into this. I a. Doing my part. I advised the agent I will take out money out of my XXXX for the town payment. He said ok as long as I could make the payment. I am willing to make an arrangement and request a modification but Ocwen is not working with me even though it 's there actions that have caused this situation.