WillisBack/dataset-financial-user-claim huggingface dataset:
This is intended to supplement my complaint, Case Number : XXXX, which I submitted earlier today. 
Ocwen claims that it updated the information which it reported to the credit reporting agencies but, except for XXXX, there is no change related to XXXX & XXXX. And, based upon a report which I received today from XXXX and which is dated XX/XX/2015, the account still remains open, with a past due amount of {$1900.00} as of XX/XX/2015. Now there are two late payments entered, one for XX/XX/XXXX and one for XX/XX/XXXX. Concerning the reporting data by XXXX, my credit score which before those illicit negative reports by Ocwen, which was at XXXX is now at XXXX, which effectively is a costly decline in terms of financial credit worthiness. Concerning, XXXX & XXXX, my credit score with each has been lowered to XXXX from XXXX and that has already been translating into significantly tangible impaired credit worthiness for me by denial of credits from banking services. These matters will most likely bring about a lawsuit against all of these financial entities : Ocwen, XXXX and XXXX, which are gratuitously harming my credit worthiness and their costly consequences.
My credit card bill has been paid automatically via debit from my checking account using Bank of America bill pay system. That has worked like a clockwork for as long as I have had this particular account open. 
Suddenly on XX/XX/2019 it did not work even though my bank account had sufficient reserves. 

Bank of America is the credit card issuer and they claim that debit did not happen this time because of the user error and refuse to acknowledge their part in this and refuse to refund or at least partially refund the late fee and interest charged. I paid the bill in full including {$70.00} in interest and late fee as soon as I discovered this error and was late only 4-5 business days. I never received a notice that bill pay system had not worked! What is the purpose of automated bill pay if it fails without notice! 

I contacted their customer service twice. They claimed that it was a user error even though they had no idea why bill pay failed. I was told that their manager will contact me within three business days from XX/XX/XXXX. That never happened. 

Please advise. Thank You!
Charge with non requested loan and ask to pay interest on the loan. Will not identify who got the money.
For twelve ( 12 ) years Ive been called a privileged member of the American Express Card, but it seems they change their minds, as they recently canceled my account without any notice. When I try to find out the reason for said cancellation, they alleged that they do it for three ( 3 ) reasons : I have a decrease in my credit score punctuation Two ( 2 ) late payments, One unpaid payment for insufficient funds First of all, my credit score punctuation has been the same for more than one year ; it doesnt decrease in any way, as they said. The two ( 2 ) late payments alleged, were made on the past year, not on this year, and it was the only time that this happens in the past 12 years of using the credit card. The called unpaid payment was a payment made in advance, as the account was on-date. If the reasons alleged were reasonable, then why they dont cancel my account during the past year, and decide to do it now. I will understand so, and will not feel angry for that, if there was a real understandable reason for the cancellation. I think that maybe their action now responds to a claim made a few days before ( the first-one I made in 12 years ), when I finally was oriented that during the 12 years I have accumulated a total of XXXX points, which is equivalent to {$10000.00}, and that I could use the points to pay the total amount due on my account up to that date, which was around {$6000.00}, and still have enough points to continue and keep on using the credit card. When I called to make that move and ask them to redeem the points acquired, they canceled the credit account and the points accumulated for said years without any notice or advise. Clearly it looks that this is a strategy for not redeem the points, in order to keep on receiving money from their members, instead of applying the points acquired to the account. In the past 12 years, every time I need to talk to someone by phone, there was a XXXX speaking person on the other side eager to help me. Since this situation happened, I ask for a reconsideration, and every time I try to call and ask for a XXXX speaking person to explain the situation, theres no one able to speak to me in XXXX, and I have to talk to an interpreter, which results humiliate for me, as it is difficult for me to understand all the terms in english. This is why after seeing your online page, I decide to write you, and ask you to assist me in this matter. I will be grateful for your assistance.
Two years ago, XXXX 2014, my business and life partner of 19 years left me. He suffers XXXX and has for the last 5 years been unemployed. When he left I was left holding the bag on our debts and assets and trying to piece back together my finances and credit score. I have cashed out my retirement accounts, that I am allowed to before age XXXX XXXX and paid off over {$150000.00} in debts. Bank of America ( BofA ) settled with me on a home that I own in XXXX XXXX, VA and a rental property I own in XXXX, VA. Both of these properties have lines-of-credit associated with them. 
Both lines of credit are now closed and I have reached a settlement with BofA on both. I attach the XXXX letters for evidence. Note that neither letter indicates anything about a BofA policy of continuing to report the sums as delinquent. Neither of the folks with whom I settled the accounts mentioned that in our discussions. I do not think a reasonable person would have assumed that their credit report would continue to be ruined until the last payment on each of the lines of credit was made. 
During the process of getting my finances under control I was advised to take bankruptcy, I have not and do not plan to. I have worked diligently to repair my credit rating. I have been able to open XXXX charge accounts that I am current on to help rebuild my credit, my score has improved. However, BofA still shows that original balance on these XXXX lines of credit on my credit report. They also show the original amount as delinquent, even though we settled on a lesser amount and I have been making monthly payments as per the agreements since. I have contacted BofA twice to ask that they show these debts current, because they are. They have told me that it is against their policy since there is now guarantee I will make the payments. This strikes me odd - if I do n't make the payments then they should report that to the credit bureau, like any other debt. I contested the XXXX lines of credit showing up on my credit report with the credit reporting agency and still both amounts show up as delinquent. I would like the XXXX BofA credit lines to show as current and not delinquent on my credit report. 
My cell is XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX. My office phone at the XXXX is : XXXX.
In the beginning of XX/XX/XXXX I started to monitor my credit and found out there was a loan that I did not apply for. The amount was for {$650.00} and was " opened on XX/XX/XXXX. I have recntly contacted this company by phone and spoke to a collections rep that was rude and would only tell me that the loan was done in person. I requested validation of this debt and the rep told me no to just pay the balance and that they did not have to validate. I sent letters to the bureau 's to get this taken off since it was not mine nor validated and they refused to take it off saying it was accurate. I spoke to all 3 bureau 's about this and none of them had validation with my actual signature on the contract. I then sent out validation letters to AD ASTRA requesting validation and they sent a copy of the contract with my name typed in. In XX/XX/2017 I sent a second validation letter letting them know what they sent was not validation but just an unsigned  copy. A 3rd letter went out 30 days later and no response.
Got a letter in the mail today ... dated XXXX XXXX from these ppl! It says its an attempt to collect a debt! Doesnt show who they are representing for the debt, etc! Just says ... XXXX XXXX XXXX, XXXX and thr amount of {$1600.00}! I called to see how I owe and left aphone number and name about XXXX oclock today! No answer! Could be a scam ... ..Im XXXX with XXXX XXXX XXXX and have had a XXXX XXXX in XXXX! If this isss due to a bill from Fla ... it doesnt state it and I was fully covered with XXXX! ... ... ....
On XX/XX/2018 I submit a request to all 3 credit companies with documentation in support of asking them to investigate and remove XXXX XXXX XXXX XXXX loan because it was fraud and obtain through Identity theft. All 3 investigated and XXXX   along with XXXX  decision was it was deem fraudulent and removed it from my report. Experian did not remove XXXX XXXX XXXX XXXX but as you can see in my documents they remove XXXX XXXX XXXX XXXX/XXXX XXXX. One part of the loan. I am begging for assistance to get this resolved.
I Am Having a Problem with my Credit Report for some reason Equifax Place a lock on my Credit Report Trying To Use Lock & Alert and this Problem is being happening for 6 month and Equifax is not allowing me to Access My Report and i have send letter to Equifax with my Social Security Number State ID And All The Documents they Ask For I Have Send it To Equifax and Equifax has not fix my Problem that i am Having with my Credit Report and i cant log in to my Lock & Alert and Equifax wont remove the Restriction of My Credit Report Please Help me With This Problem And I Also Requested Copy On My Credit Report With Equifax and they Have Not Send it to me Please Help me Resolved this Problem
I paid an extra {$350.00} to my principal on my home mortgage electronically on XX/XX/XXXX. I sent Ditech a statement telling them to place the {$350.00} on the principal. On XX/XX/XXXX, I sent them another email asking them to put it on the principal. I sent them another email today XX/XX/XXXX. Every month I pay extra to the principal and every month I go through the same type of waiting process. Constant emails ... I used to call, but decided it is easier for my documentation to email. I just want Ditech to do their job in a timely fashion ... instead of making me constantly check up on them!
Shellpoint is fraudulently reporting information to the IRS. Shellpoint is holding my mortgage payments in escrow without my permission. They are not applying payments to my principal or interest. Shellpoint sent me a XXXX for XXXX indicating that I only paid {$3900.00} in interest when in fact this amount should be closing to {$15000.00}. My principal loan amount is at least {$10000.00} higher than it should be. 
In addition, Shellpoint has recorded late fees on my mortgage month after month even though I have never paid a payment late. 
This all started with a Hurricane Irma Federal Forbearance plan. I was given the opportunity to skip payments in XXXX, and was told that the skipped payments would have no affect on my mortgage, my credit, and I would incur no late fees. Without my knowledge, Shellpoint begin the process of trying to modify my loan. I'm being forced into a loan modification. The loan modification documents that I was sent show a principal loan amount of {$390000.00}. The loan amount should be around {$380000.00}. The loan modification documents address that approximately {$26000.00} in mortgage payments are being held in escrow ; however, they do not address if and how the payments will be applied to my mortgage. 
To fix the issue, please have someone call me to explain how the approximately {$26000.00} in mortgage payments will be applied to my loan. Also, please send me a new XXXX  showing the correct amount of mortgage interest in paid in XXXX. All payments should have been applied to my loan. 
XXXX XXXX from Shellpoint and XXXX XXXX from Shellpoint have been awful. They are supposed to be my point of contacts, never pick up, never return phone calls, and can't fix anything. It seems this company is attempting to take peoples homes by way of making this process too difficult to address without legal counsel. I have spent countless hours writing emails, making phone calls, and complaining to the CFPB. The only time I get a return call from Shellpoint is when I complain to the CFPB. I recommend doing the same if you're experiencing anything close to what I'm experiencing.
We have our account with Regions Bank for years. We purchased a property and on the closing day, we received instructions from the Title Company to do the wire. We went to Regions and did the wire to XXXX XXXX XXXX and came to find out, the email we received with the instructions was hacked. XXXX XXXX XXXX found that out and is holding our money for over 70 days. They do n't give us information, do n't talk to us and we were told that they only will give information to our bank, Regions. On the other side, our bank is not helping at all, they refuse to get higher level people involved, to help us, they are treating us with a lot of demeanor. I sent an email to XXXX XXXX and XXXX XXXX, who we were told are the regional manager and operation managers and they never replied the email. Our branch manager also sent an email to them and they do not respond. This is the worst demeanor a bank can do to a customer. We are supposed to have help when there is fraud involved and Regions is not cooperating at all. We went to an Attorney and were informed that only Regions can do something for us and all they are doing is NOTHING!!! Having a regional manager and operation manager like this, they should have some punishment for that!
I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to mi ability to get a better job as well as get fundig .Please remove these items, any none account holding inquiries and any address other than my current address to prevent any further damage to my credit report. 
An FTC had been filed and a police report will be filed. 
Thank you.
I have never received a loan before by any agency, ever in my life. I have never had a credit card and every attempt that I have made to get my financial reports has been denied or seemingly altered. I have tried using XXXX XXXX XXXX, and XXXX, so far with no success. I do not know of the extent of the compromisation of all of my financial involvements and I do not know who is involved or who could have possibly been involved. Today is the first time that I have tried to get any type of information about any compromises with any of my financial involvements.
Bank Of America  XXXX   XXXX   XXXX  :  XXXX   XXXX   XXXX   XXXX  BOA Case numbers :  XXXX   XXXX   XXXX  Bank of America declined to refund these  XXXX   erroneous cha rges from  XXXX  totaling  XXXX  or {$160.00}.     BOA asked for a copy of the cancellation : I have no copy of a cancellation. No merchandise or service was delivered. The booking still shows up on their website but I have no physical ticket to return.     BOA asked about my attempts at resolution : The transaction was done entirely online so I had no personal contact with anyone from  XXXX  during the booking process. I attempted to cancel the incorrect booking many times beginning the following day,  XXXX   XXXX    XXXX  . ( Within  24 ho urs of their email. ) I called their customer service number for the  XXXX  at  XXXX   XXXX . I do not have all the names of the numerous representatives and supervisors I spoke with throughout the next weeks. ( They offered only first names. ) The response of each person was only to repeat what it says on their website.   Re-booking charge :    XXXX   XXXX    plus fare difference Refund not possible note : I fully understand the policy of non-refundable fares. However what they are offering to deliver is not what I ordered. ( For example, if I ordered a non-returnable refrigerator online - and the merchant bills me for a television - I would not accept it! ) BOA asked me to describe the specific problem : I attempted to purchase from  XXXX   two  one-way airline tickets from  XXXX ,  XXXX  to  XXXX ,  XXXX  for  XXXX   XXXX ,   XXXX  , and because they were less expensive I scrolled to, and chose  XXXX   XXXX ,   XXXX  . Checking their website the following day I found reservations were mistakenly listed for travel on  XXXX / XXXX /  XXXX   (  XXXX  for  XXXX   XXXX ,   XXXX   ).   I called  XXXX  immediately to ask that they correct their error . ( See results above ) Our  international flight from  XXXX ,   XXXX   to  XXXX ,  XXXX  does n't leave until  XXXX   XXXX ,   XXXX  . We will still be here in  XXXX  on the date they have reserved.   Thank you,  XXXX   XXXX
On XX/XX/XXXX, I received notification from XXXX XXXX XXXX that I owed XXXX XXXX XXXX {$800.00}. 
On XX/XX/XXXX I wrote XXXX ( return receipt requested ) stating that I dispute the charge and requested verification specifically all copies of receipts of payment. 
On XX/XX/XXXX XXXX XXXX at XXXX XXXX XXXX signed for receipt of my letter. 
To date, I have not receive the requested verification specifically copies of all receipts of payment. 
On XX/XX/XXXX I opened my credit report and found XXXX XXXX XXXX had reported this un-validated and disputed debt on XX/XX/XXXX. 
On XX/XX/XXXX my attorney advised to file this complaint.
I ordered a internet connection to a company but then i suddenly changed my mind about it so i called and told them that i dont want it anymore. They said on the phone okay just mail is back the router and you dont have to pay anything because you 're in the 30 day money back guarantee policy. I mailed them back the router the next day then after two months i got an email that they say i owe them XXXX XXXX So i contacted costumer services talked it about them and they said just wait for the revised bill. I waited no email came for 8 months. I thought it was settled but then i got a mail from central credit that i owe something from them. So i called central credit, i disputed the claim but then its been months and they still didnt pulled back the claim that i owe that company and kept saying there waiting for there response because i gave them email proof that i talked to a costumer service and the representative stated there that i dont have to pay anything because im in the 30 days money back guarantee.
XXXX and transunion credit reporting agency removed an account off my credit report which caused my score to decrease this account should have never been deleted off my reports. The credit card company is XXXX this account is in excellent standing.
I called XXXX XXXX, the company that accessed my entire credit report ( hard inquiry ) on XXXX XXXX, even though I authorized a different company, XXXX XXXX , XXXX, to do an employment ( soft inquiry ) and in that authorization ( documents uploaded ), I clearly requested a copy of any reports. 

When I called XXXX at the telephone number listed on the credit inquiry ( XXXX ), my call was answered " UCC '' with no name given. I asked politely about what happened, the person yelled at me and said they are not required to provide a copy of the credit report to me, and refused to give me their name after multiple requests, but yet insisted I give my name ( I refused! ). I politely pointed out that they are in fact required to provide a copy of the report, and they still insisted they do n't have to provide it, and then hung up on me. 

I want a copy of my report that was accessed, as is absolutely required under FCRA, and most of all I want to know how this law-breaking company ever got their hands on my entire file of personal information ( which was NOT authorized to anybody and can never be undone ), and also I wonder what recourse I have. I have already filed a fraud complaint and put a 90-day fraud alert on all three credit bureaus, but there is nothing the credit bureaus can do to undo the damage of giving my information to these unscrupulous people. I 'm not even sure what a " final response '' from the credit bureaus would entail, in a situation like this, apart from what they have done ( put a fraud alert on my report ).
A little over a month ago I got approved for a Matrix and a XXXX XXXX by Continental Fiance. I never received the first set of cards. I did receive a bill for the XXXX card that said my due date was XXXX XXXX, 2017. Upon receiving this bill I call the credit company. I spoke to the agent and informed them that I have n't received my cards so how do I get a bill. The agent informed me that since I was approved the bill was printed and mail. But since I have n't received my cards I did n't have to pay it. So she looked in the system and had my cards canceled. She explain that the were printing and sending out new cards. So I received my two new cards on XXXX XXXX, 2017. I opened my mail and I call the credit company back. The agent informed me that my cards are good for use and she will re age my accounts and my new due date will be XXXX XXXX, 2017. On XXXX XXXX, 2017 I use the XXXX card and made two transactions that was accepted. The next day I was trying to use the Matrix card and it was denied. I waited until XXXX XXXX, 2017 the next business day to call the credit company back. I was informed by another agent that my cards was canceled. I explain what was going on she even looked into my accounts and say that it was re age to a new due date. She explain that the cards should never have canceled out. She also said that if I wanted to keep them I would have to open both accounts up again. I refused to do that as I did n't want another hard pull to my credit. I am now in fear that this will affect my credit in a negative way. This company had impacted my credit score in a negative way and it was not my fault at all.
I have sent 3 letters dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to the credit reporting agency to dispute the following account : XXXX XXXX ( Tax lien ). This public record does not belong to me. It was my understanding that the credit bureaus are required to check items with the credit grantor reporting the information, and remove any information the credit grantor can not verify. It was my further understanding that the credit report bureaus must complete investigations within thirty days of receiving a letter. My credit report continues to have inaccurate items on it.
Due to a change in my employment and XXXX kids entering college 2014 I had attempted to work with two banks that I had lot loans with in an effort to lower the monthly payments. They could not or would not work with me to construct a proactive solution to my financial issues. I then had to make a decision to assist my children or keep paying into the lot loans. Of course I choose my children and so I let the lots or into voluntary foreclosure. Fast forward to no and one of the loans through XXXX XXXX XXXX has been resolved but TD bank is now reporting that I owe XXXX as an immediate payment. They are reporting that I owe this every month which of course throws off my debt to equity ratio. They didi not wave the deficiency judgement when it was foreclose on so I do owe this money but I believe how they are reporting it is malicious. Even though my credit blemishes are explainable the way this is entered has precluded me from getting any kind of loans for debit restructuring.