WillisBack/dataset-financial-user-claim huggingface dataset:
Ocwen sent my home into foreclosure in XXXX XXXX. Long story short, I paid it in full at the end of XXXX XXXX in the amount of {$22000.00} via wire. The amount needed to cure my mortgage was {$22000.00}. After that, I had no late payments and was not notified of any fees. When I pulled up my XXXX XXXX statement there was {$200.00} in " Past due fees/ other charges. '' I called Ocwen in XX/XX/XXXX and they did not know why the fee was on there since I paid XXXX the cure amount and had no late payments after that. They said they were sending it to their research department and would email me with the result in 10 days. I called today ( XXXX/XXXX/XXXX ) and spoke to operator # XXXX. He told me that Ocwen emailed me on XXXX/XXXX/XXXX with an explanation of the fees but I can assure you I received no such email. I 've been monitoring my email very closely for that letter because I 'm in the process of selling the house and moving into a new XXXX - I needed the letter to explain why there were fees and when they would be removed. During the foreclosure process ( which was sketchy at best ) Ocwen assessed me with XXXX " Property Inspection Fees '' totaling {$270.00}, all dated XXXX/XXXX/XXXX. They never came to the house and XXXX fees is very questionable. I 've attached that history so you can see all the fees/ charges we were assessed. I 'll also attach the XXXX XXXX statement where I noticed the {$200.00} that Ocwen is claiming was for processing after I had XXXX cured the mortgage. I do n't receive letters they claim to have sent, I can never get an answer when I call them, they wo n't remove fees that they never told me about and make no sense, and trying to understand anything with them is impossible. I am hoping you can help me by reviewing the fees I was assessed and by forcing Ocwen to return any unfairly assessed fees to me. In addition, I filed for a loan modification XX/XX/XXXX with them ( I may be wrong on the month ). They never wrote me or advised me of their decision. When I called they said it could take up to 6 months. I never received a decision or a loan modification. I 'm at my wits end with them and I truly do n't know how they are able to legally operate a business in this country. I would truly appreciate any assistance you can give me because trying to work with Ocwen themselves is impossible. Thank you in advance - I am glad you 're there to protect consumers.
I mailed to EQUIFAX via certified mail a notarized Dispute Letter requesting that they verify the alleged accounts on my credit report ( attached ). The tracking from the USPS shows the letter was delivered on XX/XX/XXXX ( attached ) which they acknowledged receipt via email ( attached ). More than 30 days elapsed, and I have not received any response containing proof that EQUIFAX verified the accounts. The law stipulates ( FCRA Section 611 ) that the consumer reporting agency must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. I then mailed EQUIFAX a letter via certified mail which the tracking from USPS shows the letter delivered on XX/XX/XXXX ( attached ) advising them of their failure to respond and that because of that all unverified accounts on my previous dispute need to be deleted. EQUIFAX acknowledged receipt of that letter via email on XX/XX/XXXX ( attached ) but did not comply with my request or the law but rather informed me that they are starting a reinvestigation only ( attached ). According to Section 611 EQUIFAX has not established or met the criteria for extension of time from the original letter primarily for their failure to respond according to the law. I have and continue to suffer damages because I need to rely on an accurate and complete statement of my credit record which is reflected on the change to my FICO EQUIFAX credit score which has went down due to EQUIFAX operating outside the parameters of the law.
As a XXXX and mother of XXXX I continued to say i coildnt pay anymore n they kust kept aggressively refinancing me. They called me my friends my job. Even my XXXX messages were them.
In XX/XX/2012 I was a Citibank credit card holder. Theyre online system was down, so I had to call in my payment. I asked the representative over the phone for the full amount of the payment. They told me it was only XXXX  dollars. I then asked again are you sure there isnt any extra change. I processed to inform the representative that there was an additional XXXX cents to my current bill. The representative over the phone told me No your month statement is just XXXX dollars The following month Im charged with two late fee. I call and asked why. They told me because I was short that XXXX cents. I told him what had transpired. I was arguing with this over this. I told them I wasnt paying anything at all. I again even explained to a supervisor. The last thing I heard was them hanging up on me. I refused to make payments at the moment. Its now on my credit forever. We fast forward to these day Im sending this. I get a letter from Citibank issuing me XXXX for this account. I was due to them not upholding an agreement for account payment protecting. Thats not good enough for me though as their fraud went to a new level I feel. Theyve also been having their staff set customers up by not fully paying their payments over the phone. I wasnt charged for the over the phone service because their online system was down at the time for me to make my payment. However I was charged two late fees and it escalates from there. Their staff was at fault for their incorrect practices. Again I arguing with them over the phone for months just trying to get my orginal balance back. I was taken to court over this issue. Explained everything to the judge. It was still assigned to my credit. I need help in fighting this please!
My parents have been receiving 4-5 calls per day from a debt collection company that says they 're from Iowa. They are asking for information on someone who does n't live at their house, but has the same last name. My parents have kept a log from the start, and this company has called over 60 times in the last month, as early as XXXX. The company will not divulge any additional information. My parents have all the names and phone numbers of those who have called.
Reported the same debt XXXX on my credit report. I satisfied debt, paid in full. They removed XXXX but failed to remove the duplicate error they caused. They are aware of their error and I have emails with them acknowledging that fact.
These companies, unknown to me, requested my personal credit and insurance information without my knowledge : XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX ON XXXX XXXXDBA : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, MO XXXX XXXX on : XXXX/XXXX/2014
Online application was approved and account was opened then before getting the debit card for the account in the mail the bank closed my account. The bank states that since my opening deposit did n't go through they closed my account. They had the option of opening the account without the deposit so I beg to differ for that being the reason. My account was closed onXX/XX/XXXX.
All XXXX major credit reporting agencies are allowed to DOWNGRADE a consumer 's FICO credit score -- an important measurement when seeking a mortgage -- EVERY TIME A LENDER/RETAILER requests a report, regardless of whether credit was requested or granted. For example, all credit card companies intermittently pull a customer 's credit report as well as routinely doing so upon the account 's renewal date. Further, when shopping lenders to determine their current interest rates a credit report is ALWAYS viewed before any information is revealed to the inquirer. My credit score was DOWNGRADED from XXXX to XXXX during a recent search for lender terms because of this scurrilous practice allowed by all XXXX credit reporting agencies. Any complaint about this practice to all XXXX agencies was met with a bureaucratic nightmare resulting in no real answer. There is no reasonable explanation for such creditworthiness DAMAGE based on NOTHING MORE than a unchallenged COMMON PRACTICE. It is time that this practice to be corrected in favor of the consumer. In fact, to provide documentation to attach to this form will result in YET ANOTHER REDUCTION in my FICO CREDITWORTHINESS score. Do you see what I mean?
I applied for a home cash-out refinance through Citibank on XXXX XXXX, 2015. I called into the mortgage department and spoke to XXXX XXXX XXXX # XXXX and was immediately given a quote based on my credit score. I told the representative that the reason for my refinance was to save money ( as our current interest has been 8 % ) and to pay off approximately {$50.00} k of student loan debt. I was pleased with the interest rate quoted and wanted to proceed with the process I was afraid that the loan would not go through based on my median credit score of XXXX and asked for a guarantee which he did approve of. He said he was more than certain that I would be able to get a 4.125 % interest rate based on my score, and when he officially ran my credit, the rate and terms remained the same. He said that he needed a processing fee to initiate the process, I told him that I was afraid that I would n't get approved and he reassured me that he would return the fee if it did n't. Therefore, I paid the {$520.00} application and appraisal charge and everything seemed to go just well. Until, I was n't contacted by XXXX anymore. Interestingly, my loan processor was abruptly changed from XXXX lady to another and I kept receiving calls during my work time ( which I had indicated was not a good contact time ) eventually I spoke to a new loan processor and she informed me that the loan was denied based on my credit score. I received a new credit score of XXXX and to this date I have not heard back from XXXX. During this time, I allowed my student loans to go unpaid certain over the process of all the refinance going through. During this time my credit took a XXXX XXXX point drop ( due to my delinquencies ) and they denied me. I looked today online and it still says in process. I have tried various times to come into contact with XXXX and I have not received a call from him. The problem now is that my credit score has been negatively affected and I am in a worse situation than before and no one will help me. I was deceived and left cold turkey. I would like them to either go through with the refinance or take responsibility for the balanced currently late of my student loans ( as I was guaranteed it would go through ).
I have reached out to the credit bureau about 3 times disputing rent recovery. after sending the third letter with confirmation number XXXX after 3 attempts trans union had failed to remove rent recovery which is an unverified/unproven account. they have failed to provide the description of the procedure used to determine the accuracy and completeness of the information. they also claim to not be the one responsible to provide me with a copy of any documents bearing my signature showing that I have any legally binding contractual obligation to pay them the exact amount claimed. I informed them in writing that I do not consent to XXXX XXXX or any automated response. they have refused to provide their method of verification.
I received a phone call from a debt collector on XXXX XXXX stating I owed over {$200.00} to an apartment community. I was confused as I have not lived there for over one year and received nothing in the mail regarding any debts. I made clear to the young lady that I was unaware of a debt and would like some documentation showing that I do owe this amount. I told her my new address and she promised to send something to me soon. Today XXXX/XXXX/15 I received another call from the same debt collection agency. I explained my last conversation to this new agent. He responded with very abusive language calling me a liar. He said there was no way the other agent would have ever said that and " If you do n't have the money, just say so. Do n't lie about it '' He became so aggressive, I had no choice but to end the phone call. A co-worker decided to offer me some help and we called the agency together. The first person we spoke with, XXXX, confirmed that the original agent who contacted me did not submit the request for validation. One was submitted this morning by the abusive agent. XXXX added notes to the account and transferred us to a manager who was awful. Both of these conversations are recorded. The manager XXXX XXXX? ) repeatedly talked over both of us eventually devolving into shouting. We repeatedly attempted to tell him that I have still not received any documentation validating the debt. He shouted over and over that one was mailed in XXXX and that they were only required to send one. We again told him it was not received ( he said we were lying ) and that the original agent had failed to submit the validation request. His timeline of events and tone of voice changed drastically once I informed him that a recording of our conversation would be sent to the Attorney General. We had no choice but to end the phone call as it was clear this would not be resolved. There is much more to this incident but one can not understand without hearing the recordings.
USAA h as lowered my credit limit to {$3000.00}, way below my current balance of {$8000.00} and immediately reported this to the credit bureaus causing m y credit score t o drop  XXXX  points fo r the  XXXX  time in last   XXXX  . It is their attempt to force me to pay a higher monthly payment.    This is the   XXXX   credit card  with USAA w hich they lowered my credit limit below my current balance and reported this negative information to all  XXXX  credit bureaus.   I belie ve USAA has t argeted me for some reason and are deliberately ruining my credit history causing me higher rates for insurance and causing other creditors to follow suit.     I have had this credit card for approx.  XXXX  years and have NEVER missed a payment. Further, I have never missed a payment with any account in my name my entire life. I am  XXXX  years of age and never have I  had any kind of negative information reported to my credit report, However, in the last week USAA ha s wrongfully report ed  XXXX  separa te negative items to my credit report.
Called XXXX XXXX XXXX today spoke with XXXX ... my loan payment jumped from {$5.00} to {$270.00} dollars monthly payment which is coming up due XX/XX/2018. I called today to see about lowering my monthly payments to something more affordable. I have a car payment and rent and many bills. The rep ask me my income, if I'm married and if I have dependents. He placed my on hold got back on the line ask me how I can afford as monthly payments then told me he can lower it to {$150.00} per month. I can't even afford that then he said the only other option if forbearance. Also I inquired about why there is a diffrence in interest accrued from navient website and from the nsld.ed.gov website and was told they might have inaccurate information but ours is up to date and current the rep stated Congress sets the rates. But he then mentioned if I have my loans on auto pay I can get a reduction on the interest rate which confused me.
Transunion has reported XXXX public records on my credit report. XXXX Chapter XXXX bankruptcies and XXXX judgement. I have verified with the XXXX Court and the XXXX court that they do not report to the XXXX major credit bureaus. Transunion has pulled this information from a 3rd party and therefore must be deleted.
They said due to my loans being private the only option I had was to extend my payments out an additional five years to save {$75.00} dollars. My only options before were forbearance or interest only payments. Literally half of my take home goes to paying my student loans and they are doing nothing to help me.
I am very frustrated with navient, I spoke with a rep about a year ago that informed me that what I owed is actually in the 60k range and that the over 90k I owe is 30k plus of accrued interest from forebearences I was consistantly encouraged to do and never warned that it could result in such tremendous compounding interest. I feel scammed and lost all interest in paying navient a single dime.
I 've disputed this matter about inaccurate information on my credit report. I never had a contract with  XXXX   XXXX . Transunion removed this collection agency off my report {$4300.00} it was placed back on  XXXX / XXXX / 17 . I called Transunion about this, it went from open to closed collection. When added back it cause my score to drop  XXXX  points. I asked how this was verified they could n't give me a explanation.  XXXX   XXXX  ca n't give them prove because they never provided validation to me. Please check into this matter because it this information is incorrect. Its reporting on all my reports. Closed on Transunion and open on  XXXX ,  XXXX .
XXXX and a company called Certegy asked for Social security number to cash a check. Why does Certegy have my social? I did n't give it to them. I did n't approve access to my personal information. Can you help me figure how this happened and what I can do about protecting my information? I do n't want this company to have access to my data, yet it seems they do. Thank you.
I am filing this complaint because the credit bureaus Equifax and XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. They are simply responding to my disputes as " verified '' without proper documentation. Under section 611 ( S ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified '' that I have disputed. They are NOT to just simply call a company and mimic on my credit report, what is said to them over their phone without proper documentation and/or proof that I have had business with them. They also MUST send me proof of documentation ( if any ) as well and they have failed to do so.
The item XXXX reporting on my credit is not accurate. This company has re-aged the item. They are currently reporting it as if it were a NEW collection on my credit report. 

A report from XX/XX/XXXX reported that the item charged off on XX/XX/XXXX. Attached is print screen of my online report showing the charge off occurred on XX/XX/XXXX. 

My current report dated XX/XX/XXXX reports the item as Charged-Off XX/XX/XXXX appearing as a NEW collection ; and this is not a NEW collection. My scores dropped as a result of this retaliatory reporting. See attached print screen of my online report. 

Please remove this inaccurate item XXXX from my credit report as it is clear that they have re-aged this item. Re-aging a debt is a violation of the FCRA. 

Furthermore, based on their failure to report accurate information I have no reason to believe that this listing is accurate at all or has ever reported correctly. 

This inaccurate reporting hinders my ability to obtain financing for a home and also hinders my employment opportunities ; this retaliatory reporting has directly lowered my Fico score.
Rushmore took over my servicing I have tried to contact them requesting loan modification packets and get letters making offers for short sale or them giving me money to move out but NO INFORMATION ON A LOAN MODIFICATION. I believe they are stalling until the sale is complete next week.
I signed up for a credit card from Bank of America in large part because of a promotional offer of  XXXX  points after spending {$3000.00} in the first 90 days. My first statement from the card indicated a starting date of  XXXX   XXXX . On  XXXX   XXXX  ( i.e. 87 days late r ), I  called Bank of America regarding a missing transaction that would have put me well over the {$3000.00} limit. I was informed that BoA had started their 90 day calculation weeks before I had even received the card, and the starting date listed on my first statement was essentially meaningless.   Customer service agents were unwilling to offer any kind of compromise and said that I would be unable to receive the  XXXX  bonus points ( worth up to {$1000.00}! ) regardless of my spending. At no point during my relationship with BoA was I informed of a starting date for the 90 day peri od ( o ther than the beginning of my first statement, which led me to believe the starting date was  XXXX   XXXX , as described above ).
My account is not being updated. I use a app called XXXX XXXX and the bank is n't updating my information. It 's saying my account is negative but it 's not.
I have been receiving countless certified letters and phone calls from Pressler and Pressler stating I owe them for old debt. This debt was charged off by the original creditor and sold to them for pennies on the dollar. I have attempted to speak to them about the matter multiple times without success. I asked for them to provide me with the original signed contract, a copy of a statement, and the exact charge off amount, and have yet to hear anything in reply!
On XX/XX/XXXX I sent ACS a certified letter to validate an account. The letter was received and signed for on XX/XX/XXXX. After 30 days and still no response a second certified letter was sent on XX/XX/XXXX stating that I did not receive a response and that they were non compliant with federal laws under the FDCPA and FCRA. On XX/XX/XXXX the certified letter was received and signed for and I have yet to get a response from ACS in reference to both letters.
XXXX XXXX and the Michigan XXXX XXXX XXXX my Federal tax refund in the amount of {$2700.00} on XXXX XXXX, 2015, however I paid by loan in full with penalty and interest On XXXX XXXX 2015. The overage was not reflected on my credit report, not has the full amount been returned. I requesting the following : because it is a reported error, that all references of Michigan XXXX XXXX be removed from my Credit report in conjunction to applicable FCRA. I submitted documentation to Experian regarding this matter On XXXX XXXX 2015, there response that was this information was verified
I had a Bank of America Car Loan for a XXXX XXXX. The car was totaled as a result of flooding by my Insurance company ( XXXX ). XXXX paid the amount they valued my car replacement at which was around XXXX dollars less than what the loan amount was with Bank of America. I was never advised by Bank of America that I needed to pay the differential immediately or my account/debt would be written off and sent to collections. Bank of America continued billing me for my monthly car payments which I continued to pay on time. My impression was that I would do so until the loan was paid off. I had a perfect payment record with them. 

This weekend as I reviewed my accounts with bank of America Online and also to make a payment I noticed my account was no longer available and showing on the online portal. On Monday I received a notification from XXXX indicating that there had been a change to my credit report. I checked it and it was as a result of Bank of America charging off my account in the amount of XXXX dollars and sent to collections. My credit was damaged as a result, I called bank of America and after being able to get a hold of the correct department, I was treated in the most condescending manner, pretty much as a criminal that does not pay his debts and was told that they needed to collect on the loan. When I explained to them the situation and asked them why I was not made aware of this action prior to it being taken as i would have gladly paid off the remaining balance I was told that a letter was sent three months prior. I never received such a letter. The collections personal at Bank of America have refused to help me or tell me I have to speak to a supervisor. I have left my number but no one will call me. Bottom line I have been told that even if I pay the amount owed my credit report will remain damaged. I find this unilateral decision made by them with no prior notice troubling as they will not negotiate and will not accept any wrongdoing. I am more than willing to pay the amount owed ... as stated before I was paying them monthly since they were billing me ... .however, I think its fair that they reverse those entries into my credit report.