WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America made moves and transfers in my checking account and my credit card whit out my authorization, and just told me that was a misunderstood, provoking late pay fees and damaging my credit report and credit score.
CFPB and the Georgia Office of the Attorney General have been crucial in assisting and intervening so at the very least Ocwen Mortgage Servicing LLC can respond to their careless accounting methods. I filed a complaint through CFPB : XXXX and thankful to CFPB that Ocwen finally responded after a year of trying to speak and getting the run around with representatives at their company. For the most part, my calls were sent to XXXX and individuals who said or did nothing for my concerns. At the present time, in the belief that the situation had been rectified and resolved, in which I will attach the statement from Ocwen showing thus ; p I received a letter from Ocwen stating that I owe {$3000.00} and that I am in default. This is simply incomprehensible. Their latest correspondence dated XX/XX/XXXX is in complete contrast to their XX/XX/XXXX statement which reflects a credit balance of {$720.00} ( attached ). Once again, it appears Ocwen is not only discriminative and disorderly in practice on servicing this mortgage, but harassing and negligent. They have made calls to my home at XXXX XXXX in the morning in collection mode. I am not in default ; the mortgage payment due on XX/XX/XXXX is {$190.00} per the XX/XX/XXXX Ocwen statement credit which is less than the monthly amount due of {$950.00}. Once again, the credit for OVER payments made to Ocwen over the last year compensate for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX( partially ). Ocwen needs to check their accounting once again and stop the HARASSMENT and poor servicing of this loan.
Procollect.Inc contacted me two years ago to collect the debt that I did not owe. After receiving the evidence of the debt I found that the debt is owed to other person and I let Procollect to know that, but they kept trying to collect it from me. Finally it was disputed in XXXX 2016 by the credit bureau, XXXX, after I provided evidences to them. 

I got a letter from Procollect again about the same debt they tried to collect from me until last year, which I did not owe. 

I would like to remove this debt from my credit report and hope this will not happen again.
XX/XX/2017 -- Called USAA to set up 60 month pay off agreement. Was told will have to go through income verification worksheet. Was told that a payment is needed within 15 days of agreement, I notified rep that I would call back next week so I would be able to comply with the 15 day payment agreement. 
XX/XX/2017 -- Called USAA to set up this pay off agreement previously mentioned. Went through the financial information with associate. I was told that my income met the guidelines, however because my account is 4 months overdue, I would not qualify for a long-term repayment plan. I repeated what rep told me last week and was told that it must have been an oversight. The current representative I was on the phone with told me that I he saw what was notated on the account and agreed with me. He transferred me to a supervisor voicemail and said that I should receive a phone call back before the end of the business day. Representative offered me two other options : 12 month payments of {$64.00} and would go back to normal interest rate even though the account is closed. I could also make three payments of {$160.00} and bring the account current, however it would remain closed. 
I am getting the run around, meanwhile they continue to rack on fees and interest while I am legitimately trying to get my finances in order with them.
GM Financial has reported 3 late payments on my credit report. I have never made a late payment with this account and need this information updated on my credit report.
Tried setting up a gemini wallet, was automatically blocked due to my bank not allowing me to go external. I want to set up this digital wallet.
I was a victim of continuous identity theft. A vehicle was purchased in my name without my knowledge. This account is reporting TWICE on Equifax for the same amount. I have sent in all of the necessary documentation including police report, FTC affidavit, drivers license, social security card and proof of current residence. Equifax continues to report the item in duplicate as well as tell me that they will contact the creditor who always verifies that the account is mine when it is in fact not! Equifax continues to report these accounts as well as others that are not mine. The other bureaus have already rectified the issue and I have been fighting with Equifax diligently for almost 1.5 years.
I applied for service XXXX bundle package, home phone, wifi, and XXXX. I received a debt collection for home phone that is active with my service. I attempted to call to clear up wrong information and no such luck. I have a letter that states I am in collections for my home phone, but I am active with service.
I Disputed this Account Name : Original : XXXX XXXXXXXX XXXX Current Owner : XXXX XXXX XXXX Date Submitted : XX/XX/XXXX Report No. XXXX XXXX Answer : the Debt is Verify I contact XXXX XXXX XXXX said have them contact us to tell them that this account was settled in full on XX/XX/XXXX And I will sent you a letter to prove that this Account was Settled in full. I will attach this document & Please take off the Deragatory mark on my Account thank you.
I do n't know which family member First Tennessee Bank allowed to use a power of attorney. Because of this I was denied freedom of information by First Tennessee Bank. My birth certificate, driver 's license and social security card was stolen and copied by family members. A background check was n't done on the family members. First Tennessee Bank even stated the circumstances were unique. I need copies of all deposits and payments on account number XXXX from XX/XX/XXXX-XX/XX/XXXX. My father XXXX XXXX in XX/XX/XXXX, he was XXXX when he XXXX XXXX. His social security number is still active in XX/XX/XXXX. His name is XXXX XXXX XXXX. My mother name is XXXX XXXX XXXX and she XXXX XXXX in XX/XX/XXXX,  her social security number is still being used by the family members. 

XXXX XXXX once lived in the home with my late father. XXXX knew my father was my emergency contact, she began stealing my mail. 

In XX/XX/XXXX I filed a medical malpractice law sue. The family members began preparing my XXXX. XXXX XXXX heard the doctor say I would n't survive if I did n't have a XXXX XXXX. Due to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XX/XX/XXXX. I was flown to XXXX, I also had acute XXXX XXXX. The case number is XXXX XXXX, filed in XXXX XXXX. They family knew the attorney asked for XXXX XXXX dollars. 

I was under wage earner in XX/XX/XXXX when I began with depositions. The bankruptcy attorney filed the law sue as workman 's compensation. This caused my personal information to become public record. This is how they were able to access my records. All are in violation of my HIPPA rights, civil liberties, civil rights. 

By First Tennessee Bank giving the family members access to my personal information /accounts, they 've abused /wasted government funds. 

I also need all of the transactions for account number XXXX from XX/XX/XXXX-XX/XX/XXXX. I need copies of all transactions from XX/XX/XXXX-XX/XX/XXXX. 
XXXX XXXX XXXX XXXX also allowed the family members to delete all of my former employers from XX/XX/XXXX-XX/XX/XXXX and change my addresses. 

I was told by the FBI to pull my credit report, because of all the fraudulent activities. 

A power of attorney is only suppose to be used when a person is XXXX /and or unable to handle their own affairs. It was not suppose to be used for organized crime/white collar crimes such as this type of theft. 

First Tennessee Bank participated by giving family members access to my personal information and not reporting the transfer of my mortgage loans to the bankruptcy courts. You may say my identity was stolen. Why was I under investigation by the FBI? They are the ones that told me to pull all of my tax transcripts. I had to do my own research, because attorneys was being paid kick backs by the family members. 

I 've reported them to the Supreme Court in XXXX TN. The Social Security Administrator told me what to look for also. 

I 'm deprived of health care insurance due to the abuse.
VERY ABUSIVE caller, refuses to stop calling my phone, and the person they are looking for is NOT me. I have tried to ask, and asked for a manager, no response ... they are EXTREMELY abusive and threatening
This is a new complaint and not a duplicate. 

On XX/XX/XXXX Caliber sent me the attached letter and payment history clearly stating that on XX/XX/XXXX I had {$2100.00} ( $ XXXX+ $ XXXX+ {$100.00} ) in my account and they failed to post it as a post-petition payment on my account. This triggered a lift of the automatic stay of my Bankruptcy which has made me incurr in additional Attorney fees and costs, economic and non-economic damages, and punitive damages. 

According to the recent XXXX ruling on XX/XX/XXXX in XXXX, Illinois at the XXXX XXXX XXXX United States Court House, XXXX XXXX was awarded {$500000.00} in compensatory damages, {$70000.00} in non-economic damages, {$12000.00} in economic damages and {>= $1,000,000} in punitive damages. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX, XXXX. led the litigation team on behalf of XXXX. 

My case is very similar in that in XXXX encountered financial troubles and defaulted on the loan in late XX/XX/XXXX. In early XX/XX/XXXX, XXXX XXXX attempted to foreclose on the property. XXXX filed a Chapter XXXX bankruptcy in order to stop a foreclosure and to catch up on the mortgage arrears on her residence. The plan of reorganization was confirmed by the court and XXXX began to make both her contractual mortgage payments along with her Chapter XXXX plan payments. XXXX 's mortgage loan was serviced by XXXX XXXX XXXX for XXXX XXXX until XXXX XXXX transferred the servicing rights to XXXX in XX/XX/XXXX. XXXX made all of her plan payments through the Chapter XXXX trustee and made every single mortgage payment directly to XXXX XXXX XXXX ( XXXX XXXX ) and subsequently to XXXX once XXXX took over servicing rights. 

The jury, after deliberating for approximately 7 hours, determined that XXXX breached its contract, violated RESPA for failing to adequately respond to XXXX 's Qualified Written Request, violated the FDCPA and committed both unfair and deceptive acts in violation of the Illinois Consumer Fraud Act. XXXX XXXX was awarded {$500000.00} in compensatory damages, {$70000.00} in non-economic damages, {$12000.00} in economic damages and {>= $1,000,000} in punitive damages. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX, XXXX. led the litigation team on behalf of XXXX.
( Not issuing decline letter in timely matter ) My husband and I had fallen behind with our loan due to unexpected major repairs to home and change in income after home purchase, back in XX/XX/XXXX. We applied for a modification and were approved in XX/XX/XXXX. The documents were received on or about XX/XX/XXXX and due back by XX/XX/XXXX. We sought legal advice to understand the new agreement and return the documents after XX/XX/XXXX but prior to the end of the month. At the time we were not aware that there was a return date for the signed and notarized documents to be returned by XX/XX/XXXX. We made the first payment as per the modified agreement on XX/XX/XXXX. We have since been told that our permanent modification has been declined due to not returning the agreement. The most recent statement received indicates that we have a balance in excess of {$9000.00} in arrears and have not, to date, received a decline per the verbal conversation my spouse had with lender. Also, the payment I sent for XX/XX/XXXX has been posted. Today I called the bank to confirm that the Modification has been declined and requested an official letter. They confirmed that they did receive the modification documents on XX/XX/XXXX. They stated that they spoke with me on XX/XX/XXXX when I called to make my payment and discussed nothing about the due date of the paperwork or even stated that they have been trying to reach me. I was unaware that their were any issues. As I request as much information as possible whenever I call them because nothing is clear. They claim they called my spouse on XX/XX/XXXX and spoke to him. He has no record of this. There was no note as to what they spoke about other than XXXX was planning on returning the document. They gave an extension to XX/XX/XXXX. They claimed to have tried to contact XXXX several times but could not. ( So we were in no way made aware of this or even that it was needed. ) They called XXXX on XX/XX/XXXX when they received the paperwork and told him that it was being declined to the time window expiring. I called on XX/XX/XXXX and requested documentation/ decline letter. I explained why there was a delay and that every time that they have contacted us, we have spoken with them. I also requested a new hardship packet and told them I was meeting with my official HUD counselor later this month. I also gave them my number to contact me if necessary with any questions. She said that it would now become the default contact going forward. I asked if would take 5 months again. She told me they were originally short staffed when first applied. That it why they have been delayed in getting things out to us. It should go much quicker this time. I would like to note that I do not believe they have tried to contact us when they said they have. We have been very attentive/ responsive as well as making the agreed modified payments in a timely matter. We have also adjusted our lifestyle to do everything we can to keep our creditors happy.
I purchased two air purifiers from XXXX XXXX for {$970.00} with my Citibank credit card on XX/XX/XXXX. Both air purifiers gave off a strong, toxic, chemical smell that made me sick. I contacted XXXX XXXX to return the defective units. Although XXXX XXXX was aware of the problem and said they would send me return shipping labels they didn't follow through. After multiple attempts with XXXX XXXX I disputed the charge with Citibank. After I disputed the charge, XXXX XXXX sent me the return shipping labels and I returned the two items to them. 

XXXX XXXX responded to Citibank regarding my dispute stating that they would refund my money when they received the products -- their response was on XX/XX/XXXX and they received the products on XX/XX/XXXX. Based on XXXX XXXX 's reply to Citibank, Citibank reversed the credit. 

Despite XXXX XXXX stating they would refund my money they have not. So I contacted Citibank again on XX/XX/XXXX to dispute the charge. Citibank requested additional information, including proof I returned the items. I provided the additional information to Citibank on XX/XX/XXXX along with the XXXX Delivery Confirmations for the two products. Citibank denied the credit on XX/XX/XXXX stating that they needed proof the products were returned. I contacted Citibank again on XX/XX/XXXX to understand the problem since I provided all the information. I spoke with both a billing rep and a billing supervisor ( account manager )  who both agreed that Citibank had all the information they needed and I should receive the credit. The supervisor told me the dispute would be reviewed again and I could expect to receive the permanent credit within a few days. 

It appears Citibank is giving me the run-around treatment as they have gone silent.
CHAPTER XXXX BK WAS DISCHARGED ON XX/XX/2011 AND ITS STILL ON MY RECORD I WILL LIKE IT TO BE REMOVED
The debt collector is reporting false information on a debt I do not owe. Trans Union is reporting false information.
Northstar Location call my home twice a day for months. I have already told them the individual they seek has not lived at this address in 18 years. They still keep calling. When I attempt to call back there is no answer. When I answer often times no one is on the other end. This morning I got a name of a customer service agent named XXXX. I informed him that I had requested they not call my home anymore and that I intended to report the company to the FTC and he hung up on me. 
Some of the calls : XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX., XX/XX/XXXX XXXX XXXX., XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, This has been going on everyday for at least six months.
On XXXX XXXX, XXXX I received a voice mail message from phone number XXXX XXXX XXXX  XXXX stating that they just held a preliminary hearing in reference to a debt going back since XXXX in the state of XXXX. I called the number back and the woman that I spoke with stated that they served me XXXX to my job and that they are going to garnish my wages and will seek the maximum amount of XXXX. I told her that I was not served any papers and what addr did they have. She refused to tell me since this is a " legal document '' and can not give me any information. I told her that I was going to contact my employer to see if they received anything and she told me that she could not give me any information or send me any information about the document they have. I currently am no longer in XXXX but in XXXX. After she put me on hold she realized that they sent it to the wrong addr. When I asked her to send me the papers she STILL refused to send my ANYTHING. I am currently XXXX with my daughter so I use my mother XXXX in XXXX XXXX. The woman then transferred me to their collections department XXXX LP XXXX ph XXXX no address listed ) and they told me they can accept XXXX a month. They sent me a copy via email to signed. I FELT LIKE I SIGNED IT UNDER DURESS BECAUSE THEY THREATNED TO GARNISH MY WAGES. PLEASE HELP ME. ANY ADVICE WILL HELP. I would have gotten a lawyer but I do not have the money. Thank you in advance.
Hard inquiries where made on my account that i did not authorize. I have called both XXXX, Equifax and creditors all parties have been unwilling to resolve my issues 1 ) XXXX XXXX XX/XX/XXXX 2 ) XXXX November 16,2017 3 ) XXXX XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX XX/XX/XXXX 8 ) XXXX XX/XX/XXXX 9 ) XXXX XX/XX/XXXX
Company place debt on my credit report in the amount of XXXX and I have NEVER received contact from this company and have no idea who they are. Company has not responded to requests for validation. Credit report does not state what alleged debt is for, there was no validation received, and no notification was sent in the form of a letter from agency hindering my right to dispute debt before it was placed on my report. there was no initial contact made by company before debt was placed on my credit report. The alleged debt ( not verified by company ) was placed on my report and could potentially hinder future job promotion, placement, and/or housing for myself and children.
I wrote and mailed a dispute letter to Experian on XX/XX/XXXX and XX/XX/XXXX. They responded with letters within 30 days explaining the account in question XXXX XXXX was verified by creditor but provided no documented evidence. I called them on 2 occasions XX/XX/XXXX and XX/XX/XXXX to delete the account and both times denied. My next step is to start litigation against Experian.
According to my credit report and XXXX XXXX XXXX XXXX, my student loans from XXXX ( 2 loans ) dated for XX/XX/XXXX and XXXX XXXX XXXX ( 4 loans ) dated for XX/XX/XXXX, XXXX XXXX ( 2 loans ) dated for XX/XX/XXXX : in which I was not born ; these loans were transferred to XXXX XXXX as the new debt collector for the loans mentioned herein. Since then, Ive started an loan rehabilitation with XXXX XXXX. 

Secondly, Ive disputed the hard inquiries on my credit report on numerous occasions. Around XX/XX/XXXX, 10 hard inquires were removed from my CR and on XX/XX/XXXX there were all placed on there. Ive even submitted police reports that I was a victim of Identity Theft through numerous reports and contacted lenders and Transunion/ XXXX/ XXXX continue to allow for the information to be removed and replaced back on my credit report.
XXXX XX/XX/ XX/XX/ Fee TRANSACTION FEE {$370.00} Show details TRANSACTION FEE XX/XX/ XX/XX/ Fee TRANSACTION FEE {$26.00} XX/XX/ XX/XX/ Fee TRANSACTION FEE {$50.00} Chase has charged me Cash Advance fees when all other times XXXX was a regular tranasaction. There was no warning communication or anything to let the consumer know. I will stop using XXXX purchases for Chase credit cards. 

The XXXX XXXX fees comes as a shock as they readily accept it as a regular purchase before.
My Barclays credit card has twice misreported activity on my credit card. Once in XXXX XXXX and XXXX XXXX. Talking w/ someone on their customer service line is a waste of time. They do n't understand what you are complaining about and make unrelated suggestions to resolve your problem. Talking w/ them gets you nowhere. I have not made purchases that caused me to exceed my credit limit. When the company has added my monthly interest to my balance ( which I would not know ahead of time the amount will be ) and it causes the balance to then exceed my credit limit they turn around and report that I went over my limit. No other credit card uses this unfair practice. How would a consumer know ahead of time at what point to not exceed. If that were the case they should say if you have a {$3500.00} credit limit ... .never spend over {$3400.00}. It 's ridiculous. I am filing a formal complaint over this unfair practice with the FTC, the CFPB and w/b filing a dispute on my credit reports. I canceled my account today but I want this fixed.
Credit Reporting Agency : Equifax - Legal Item. This issue is Primarily My Name Being the Same as the Defendants Name on a legal case, Which is the most that Equifax is tieing me with. Had Disputed this case a year ago, Equifax Verified they had no actual Information Connecting Me with the incident. No SS # No Drivers License # Infact the Collections Debt account is not on my Report Either, Just the Judgement Case has been Put on due to My Name being the same. Equifax has refused to remove the Public record.
Selene Finance refuses to engage in loss mitigation options with me. I am willing to do a short sale and or a loan modification. They also refused to validate the debt. I have a foreclosure sale date scheduled for this Friday, XXXX XXXX, 2016. I need time to work my options out with the bank and need the CFPB to intervene because Selene Finance has been reluctant to assist. I have an FHA MORTGAGE AND WAS NEVER PRESENTED THE OPPORTUNITY WITH A FACE TO FACE MEETING WITH A HUD COUNSELOR AS FEDERAL LAW REQUIRES THEM TO AND AS WELL AS MY MORTGAGE CONTRACT.
I recently opened an account with Wells Fargo on XXXX/XXXX/XXXX. Everything went fine in the branch. I got a phone call Thursday from a rep at Wells Fargo stating they were closing my account for " business '' reasons and would not state why. Someone told me i could have some things reported on my name in XXXX. I have a report being sent to me from them now. I had been a victim of identity theft and have been trying to clean my life up since. This is just making it very difficult for me to open accounts and such. I want to be able to have my account opened with Wells Fargo and they will not provide me with information on what i need to do to correct the issue that is preventing me from having my account there. I would like to know so i can clear it up. I have police reports and everything.