WillisBack/dataset-financial-user-claim huggingface dataset:
Ocwen reports my mortgage was in collection and charged off which is not correct. Ocwen can not show me any documentation that this account was in collection/charged off because it never was in collection/charged of. 

Last week I was denied for a XXXX XXXX loan because XXXX shows a Ocwen mortgage charge off. 

I need this corrected asap. I 'm providing a copy of the loan satisfaction letter from Ocwen. I contacted them after being denied for credit and they have initiated a reinvestigation. 

Ocwen never reported me negative until XX/XX/2015 which is one year after I paid off the loan. This is unethical.
i have been contacted via email for over a year by a company who states i have an outstanding payday loan. this loan was included in a bankruptcy from 2013. however, they continue to send emails with numerous misspellings, different balance amounts and today 's email threatening an arrest warrant and threatening to contact my job.
XXXX XXXX, XXXX Transunion Gentlemen : Please be advised that as a result of my continual efforts to get my credit bureau file corrected, the following issues have not been adjusted : 1 ) XXXX XXXX is still showing a balance on my account. I have attached my communications with XXXX XXXX ( see attachments ) since my last dispute, however XXXX is the only party not removing their account from my credit file. Based on my opinion this appears to be a form of EXTORTION. I had someone dumped into my credit file and XXXX rectified that issue, except for the charge offs. I have gotten all the charge offs removed except XXXX. Please note that only my name can be used to apply information to my credit file and I recently had a fraud alert placed on the account. This issue has created a hardship for me in many ways, including much higher premiums that are not justified! If necessary I have the original envelope and letter that can be scanned and forwarded electronically, that backs up my claim. Please let me know if this is required. 2 ) There are closed accounts still showing from years ago. 3 ) Recently, I used {$500.00} to {$600.00} in credit card usage, well within my credit limit, and suffered a 30 point credit score loss. It was paid within the allowable timeframe and has not been readjusted to the original credit score. Is someone trying to extort something? Please review my issues above and correct my credit file and credit score to more accurately reflect my payment history and credit standing.
On XX/XX/XXXX a letter was sent out by XXXX XXXX XXXX XXXX XXXX on behalf of Navient. The letter referenced Loan numbers XXXX and XXXX which appear to be loans from XXXX College and are under review by the Department of Education due to fraud, endangering my life, and encouraging their students to commit felonies and war crimes. 

The amounts of the loans when reviewing the amounts actually appear to be the following two private loans from XXXX XXXX XXXX which are over 15 years old and way past the allowable collection period. 
XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Loans XXXX and XXXX are for the following amounts and originate from XXXX College. XXXX has has {$0.00} balance and XXXX is in administrative forbearance until XXXX XXXX - XXXX XXXX - XXXX These collection tactics are deceitful, unlawful, dishonorable and a disgrace to a civil society. 

Additionally, I believe the deceitful tactics in attempting to collect a debt that is no longer collectable violates FCRA. As a South Dakota resident, these debts are past the statute of limitations which is 6 years. 

I would like Navient to remove these loans from their online portal. They can shove them into some other website for online portfolio management so that I do not get confused and accidently, through their deception, make a payment towards these loans and reactivate the statute of limitations. 

I would also like all collection notices from Navient to cease as my account is under administrative review from the Department of Education and there is no reason a collection notice should be issued.
On  XXXX   XXXX , I notice Bank of America charged me {$1000.00} again on my credit card. I thought this issue was resolved. I lifted the stop payment on check #  XXXX  so Bank of America can cash the check. Unfortunately they keep charging me with {$1000.00} every time I speak to them. I never get anywhere with them. They dance around the issue when I asked what happened to my money. They do n't want to admit wrong doing.     On  XXXX   XXXX , I spoke with  XXXX . He started to laugh at me instead of trying to resolve the problem. I spoke with his manager,  XXXX . He said I need to lift the stop payment. I asked him to repeat that it. He refused because he did not want me to know how to handle the issue.     They sent a general letter to me but DID NOT ADDRESS the issue. Bank of America did not resolve the issue. Bank of America said they did not do anything wrong. I disagree. I paid another {$840.00}. plus change to ease my credit card. They stole my money and refuse to give it bank.
This is actually a follow-up to a CFPB claim with reference number XXXX. I was n't able to respond to it online, so I 'm filing a separate claim. Please, read it in its entirety before sending me a template response, thank you. I 'll let you look up the specifics of the original complaint, so let me address your response letter I just got in the mail. 
In the letter you are telling me that my XXXX points were not available at the time of conversion. 
This is incorrect because they were available for redemption or mileage transfers, so how could they be simultaneously pending? I 'm attaching a screenshot that shows XXXX were EARNED. That 's similar to saying that a person is still pregnant after giving birth. 
The bonus is listed in " earned '' category, nothing pending about that. When I logged in prior to this debacle, my account showed XXXX points and underneath of it it clearly said " available. '' You ca n't have points available and pending at the same time. It 's a contradiction. 
You are also telling me that the CSR was referring to my earned points, not the bonus, since unbeknownst to me and I 'm guessing him too, the bonus points were under review. This is ridiculous on so many levels. Surely, any well-trained CSR would mention to the customer a " small '' issue of losing XXXX points if they go ahead with the conversion. Are you telling me it 's a conspiracy and you wanted me to lose the points? 
By that logic, the clawback should be in " pending '' status as well, and you should let me upgrade back to Platinum product. It 's only fair. 
I will be more than happy if you convert XXXX card back to Platinum and charge me the annual fee again as long as my XXXX points get reinstated. If you fail to do so, I plan on filing a small claim to seek damages. Be aware, I plan on demanding compensation for my time as well. I 'm also thinking about pursuing arbitration. Make no mistake about it, I 'm not planning to let this issue drop. I 'm hoping you can reinstate the points, so we can move on from this ordeal. It 's up to you now to resolve this issue without going to court. Thank you for your cooperation.
Riverwalk Debt Solutions told me that they would be able to consolidate my federal loans and my payments would be based on my income. I just got off the phone with XXXX based in XXXX, and they informed me that they would not work with Riverwalk and that they were still going to collect payments from me for my federal loans, even after a representative from Riverwalk told me that I would have payments based on income and that they would ensure that I would be forgiven for the rest of my federal loans after 10 years. They also collected approximately {$600.00} to do this service. Now they are not returning my emails after they emailed me and they will not refund my money because I initialed the initial documents after being misled and given false information. Please contact me. 

I recently participated in an 8 month XXXX program for an XXXX XXXX and related issues and XXXX in XXXX 2016. I have a job lined up for the fall but I wo n't get paid for that until XXXX. I am depending on family and friends for financial support so this is a serious and urgent matter. I believe Riverwalk was very deceptive and that they misinformed me.
Included with this complaint you will find the closing disclosure provided to me on XX/XX/2016 by DAS Acquisition Company LLC ( DAS ). As you will see the closing costs disclosed totaled {$2200.00} ( page XXXX ) - this number includes {$2300.00} in loan costs + {$7100.00} on other costs - {$7300.00} in lender credits. Therefore, my cash to close totaled {$0.00}, as disclosed on page XXXX. HOWEVER, it is the practice of DAS to require borrowers to agree to the additional attachment provided which requires me to bring in {$4800.00} to close. I believe this practice by DAS Acquisitions Company LLC DBA as USA Mortgage is intentionally set up to circumvent the requirements of Regulation Z, specifically the disclosure requirements of TRID. If nothing else this closing disclosure and accompanying document should be considered an unfair deceptive act or practice as one document leads a borrower to believe their cash to close is XXXX when what is truly happening is the lender is disguising a lender credit as a borrower 's true cash to close. DAS should be required to comply with Regulation Z and truly honor the lender credit as disclosed in the closing disclosure and therefore my cash to close would truly be as disclosed on the closing disclosure {$0.00}. I would also recommend that this complaint be expanded to identify any other impacted consumers. A lender should not be allowed to issue conflicting closing documents. I am not sure if this is a sales tactic or a way to avoid having to verify assets of a consumer and doubt this document is provided to the final investor as it would make the closing disclosure in violation of Regulation Z.
I opened a checking and savings accounts with Discover Bank on XXXX/XXXX/XXXX. The entire customer experience of opening the account was awful, but that is not the reason for the complaint. I eventually opened both accounts successfully and set up an initial deposit ACH from my XXXX account. Monday XXXX/XXXX/XXXX I received an alert my account had been frozen and Discover must be contacted before the hold could be lifted. I called as instructed and a Security agent, who asked me why I was calling even though he knew, reviewed my account and said there was an issue with the account generation, but he fixed it and I would no longer run into any issues. 

Come Thursday XXXX/XXXX/XXXX when the initial deposit still had not come through and purely showed as pending on the website, I called Discover concerned that the ACH was not going to go through. I was then alerted by the phone agent that there was an issue with my account caused at opening that needed to be resolved. The comment made it seems like this happens all the time. 1. The first agent I spoke with on XXXX did not fix the accounts as promised 2. If this is a common issue it should be resolved. I was transferred to a web team agent, XXXX, who fixed the account, which caused my account to lose all the preferences it had and my verified external accounts. Annoyance and extra work required on my part, but again not the reason for the complaint. XXXX informed me that the initial deposits were not going to occur and I must reschedule them, so I took her advice and proceeded to reschedule the transfer. 

Come Monday XXXX/XXXX/XXXX Discover completed all of the transfers causing my account to go negative. I immediately called to alert them and request the duplicate funds back. I have had several phone calls with Discover since then, and even representative tries to instruct me how an ACH works. I know how it works, I work for a bank ... The funds had left XXXX and they had no control over the funds at this point. Discover would not make the funds available to me until XXXX. When instructed them I required the money to pay for my mortgage come XXXX there was no empathy or real care to my situation. Discover refused to return my funds or escalate my issue to their executive office. They simply stated that their policy is there is a 30 day hold on all funds on new accounts for " fraud protection '' and this policy could not be overridden. This is a stupid policy plain and simple. My career has been spent designing Fraud and Non-Fraud processes for credit and retail banking and there are far better ways to prevent fraud then impact your newly acquired customer. On top of that I find it had to believe no one can override a fraud policy on an erroneous transfer. If I have a customer being negatively impacted by a fraud policy/strategy,  I simply reach out to that team and they remove that policy for that particular customer. The same must be possible here. Discover refused any type of resolution to return my funds and forced me to  contact XXXX to file a dispute on all the transfers to receive my funds back. This is not acceptable.
I have received notification of an adverse credit reporting from XXXX XXXX. In XX/XX/XXXX, I contacted XXXX and learned that I had a student loan through XXXX XXXX in the arears of 120 days. I contacted to XXXX XXXX to find out what I thought was a cosign on a loan was actually a loan in my name. I immediately contacted XXXX XXXX and learned that they had the incorrect email for contact. I was told by their customer service representative at that time that XXXX XXXX does not mail anything out, that all contact is made through email. I immediately remedied the past due amount. I filed a dispute with XXXX XXXX because I had never been contacted. I also filed disputes with Experian, XXXX and XXXX because of the impact this had on my credit rating which had always been outstanding. I feel the adverse reporting on my credit report was unfair since I had never been contacted. None of the credit reporting companies reversed the adverse reporting. I made a two timely monthly payments, then on XX/XX/XXXX, I paid the loan in full. I contacted XXXX XXXX again on XX/XX/XXXX to request the adverse credit reporting be removed from my credit report. I was told that XXXX XXXX sent 2 letters, and made 2 phone calls to advise me of my late payment status. I never received either of the letters or the phone calls. I have always had an outstanding credit rating. XXXX XXXX is unwilling to change their credit reporting because their records show that letters were sent and phone calls made. Neither of which were ever received by me. I have always had outstanding credit. I pay all of my bills timely. I immediately upon learning of the past due loan, remedied the past due amount, kept current and paid the loan off in it's entirety. XXXX XXXX is unwilling to reverse the adverse credit action because according to their records, they did attempt to notify me. XXXX, XXXX and Experian will not reverse the adverse credit reporting because XXXX XXXX claims it is valid reporting. I feel this is very unjust. I was never contacted by XXXX XXXX. It was I who made contact with XXXX XXXX and made remedy. I want my credit rating restored.
I just recently open a Chase bank account. Today I checked my balance and their was a withdrawal in the amount of $ XXXX. I called Chase knowing it was a fraudulent activity and I was told by the representatives that it seems like it was a withdrawal from within Chase for collection account. I started asking question that the representative could not answer and stated that she would need to transfer me to the collection department but It was already closed. What I remember was going to Chase and closing my account with a zero balance and I never received any documents from Chase that stated I was in collection. To the point that I just open an account with them with no issues. Chase is robbing me of my hard earned money. Please someone help me understand what is going on and what I can to prevent Chase from taking money that I do not owe them.
Several years ago Midland Credit Company sent me a dunning letter for a debt they purchased. I believe it was some old finance charges for a XXXX XXXX account I u sed to have. I had long since paid off XXXX XXXX and they agreed to settle for less the finace charges and late fees. My final payment did not get there in time to avoid the late charges. Regardless, we thought we did the right thing and resolved the matter directly with the creditor. Then Midland Credit Company purchased the debt and began to pursue me. I requested validation of the debt. They could not provide it, in fact they ignored my requests and reported a negative trade line to the credit bureaus. I disputed the matter with the bureaus and again requested validation, none was provided and the credit bureau removed the trade line. In 2014 the trade line again appeared on my credit bureau dropping my score significantly and hampering my ability to obtain a loan. Then phone calls started coming to my place of employment. Daily. Every day for the past two months they call, I answer, they hang up. I never get to talk to anyone and they never leave a message. They always call at XXXX minutes after XXXX my time ( PST ). I am sick of the harrassment and credit mark they forced onto my credit report. I work at a financial institution and pay my debts. I do not appreciate this " zombie '' debt haunting me and my wife and the harrassing calls at work. I need help.
I HAVE CONTACTED PHOENIX FINANCIAL NUMEROUS TIMES YET THEY STILL FAIL TO REMOVE THIS INACCURATE INFORMATION FROM MY CREDIT FILE. I HAVE NEVER DEALT WITH PHOENIX OR ANY COMPANY IT REPRESENT. I HAVE NEVER BEEN CONTACTED BY PHOENIX INFORMING ME OF A DEBT AND GIVING ME THE RIGHT TO DISPUTE. I AM A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT DOES NOT BELONG TO ME.
I am signed up for electronic statements and set up to receive email notification when the statement is available. Back in early XX/XX/XXXX, I stopped receiving email notifications when the bank changed to Capital One and then I had received email notifications for a few months and now they have stopped again. I did n't receive notification for XX/XX/XXXX nor XX/XX/XXXX. My settings with the bank and my email address have not changed. I remembered to make my payment in XX/XX/XXXXon time but did n't remember to make the payment in XX/XX/XXXX and now I have a late charge. I know that a statement ( or notification of a statement ) is required to be delivered 21 days in advance of the due date and this bank is not complying with this requirement.
My account balance on my capital one checking account is often poorly updated through the  XXXX  app.
I am in extreme need of advice and possible services, regarding a home I purchased back in XXXX, XXXX. I bought this house in hopes to retire to after I completed my over 20 years of XXXX service in the XXXX XXXX. I used my VA Home Loan and since the home was new, built in XX/XX/XXXX, XXXX did n't require a home inspection. It turns out after several months living in this home my wife and middle daughter begin to get really sick and we could n't figure out why? I was not living in the home due to back to back deployments XX/XX/XXXX ' and did n't really know how bad things really were. My wife reached out to the builders, XXXX XXXX on several occasions and they refused to help her. Finally in XX/XX/XXXX we could n't continue to pay for the things that kept going on with the home and the continuing health issues suffered by my family, so we moved. I could not afford to pay rent somewhere and the hefty mortgage on the home in question. After several months we hired a listing agent to take care of the property and list it for us. After a day or two of being in the house she ( XXXX XXXX Listing agent ) noticed a strange odor in the house and thought we might have been hit with at the time they were calling " XXXX DRYWALL '' made by XXXX ( XXXX )! She recommended we have a home inspector come in and see if this was the case. It turns out it was exactly that. She then recommended an attorney that was already representing hundreds of other clients for the same issue. It turns out that after the initial class action was closed and all affected were compensated, every one that came after would have to hope the lawsuit would be reopened. We have been in the Class Action lawsuit ( MDL NO XXXX ; SECTION XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ) for 4 years now. That is the suit and the address of the house affected. I was informed by my attorney on XX/XX/XXXX because the XXXX, which I was unaware of, foreclosed on the home that I most likely would n't receive a settlement. I know that my home builder and suppliers are both on the list that I received from my Attorney ( XXXX XXXX ESQ. ) of XXXX, XXXX law offices home based on XXXX XXXX, FL. She informed and recommended to me, that I should look into a foreclosure attorney to possibly filing a single claim on this situation. I really would appreciate it if you could give me any information whether you think your office could intervene or not? I just want to find a resolve to this situation, so I can start rebuilding what would be an unblemished credit report, if not for my purchase of " what I thought would be my dream home '' I received a notice today XX/XX/XXXX stating that XXXX XXXX was going to foreclose on me and put a lean on my bank accounts and any property. I also want to make it clear I have reached out to everyone you can possibly imagine from XXXX XXXX XXXX, Atty Gen XXXX XXXX and all the way to the Office of the President and the Office of the First Lady. I have years of documentation from my desperate attempt to receive the proper attention to this life-altering experience. Please Help!!!! 

Respectfully, XXXX A XXXX ( XXXX ) XXXX : ( XXXX ) XXXX : XXXXXXXXXXXXXXXXXXXX
In XXXX of this year I received a collections letter from Diversified Consultants stating they were collecting for XXXX. In XXXX of XXXX, I made arrangements to have payments taken out of my account automatically. So, I was concerned that this company was just trying to collect money from me. So, I sent a letter requesting validation of the debt. Specifically asking for them to prove that XXXX gave them permission to collect on this debt. They received my letter on XX/XX/XXXX of XXXX. They sent back to me a bill from XXXX. They did not provide what I specifically asked for. In good faith and just to resolve the issue. I had sent them a check for the full balance. 

Today I received an email from XXXX that they have added this account which is STILL IN DISPUTE to my credit report dropping my scores over XXXX points. I called this company and asked them how did they have a right to add this account to my credit report while the account was in dispute with their company NOT ATT. 

They told me they would not remove this account. So I told them not to cash my check if they do not plan to remove the account from my credit profile. 

They were rude, unapologetic, and simply did not care at all about the fact that they had profoundly affected my life. 

This company is a predator. I have a right based on the FDCPA and the FCRA to ask for verification and VALIDATION of anything reporting on my credit report or anyone asking me to pay them that I do not have a contract with.