WillisBack/dataset-financial-user-claim huggingface dataset:
A customer service agent from  Ocwen  Mortgage presumably in the  XXXX  called me and advised me that I needed to pay {$240.00} to reinstate the mortgage. No methodology of payment was required or provided. I made a payment of {$61.00}, the normal payment, a payment of {$120.00} or twice the normal payment and a payment of {$61.00} all using  XXXX   XXXX  Bill Payment.  XXXX   XXXX  immediately takes the money from my account into a suspense fund and makes the payment electronically to  Ocwen. Ocwen  refused the payment and returned the money electronically. When I asked why, they said that the electronic payment was not certified funds. They demanded that I send a wire transfer immediately. I did so from my bank  (   XXXX   XXXX   )  to their bank  (   XXXX   XXXX   )  costing me {$15.00}. I called in and spoke with  XXXX  ID #  XXXX  and she documented the wire transfer number, but was not able to verify receipt. I asked to speak to a  manager  to verify the wire transfer or to find out why they could not verify it immediately. I was transferred to  XXXX , ID #  XXXX  and asked why she could not verify the wire transfer of {$240.00}. I all got were standard answers and that it would take two days, blah, blah, blah. Sorry, I have been doing wire transfers for about forty years and they have been nearly instantaneous in that time frame. I asked  XXXX  to verify the wire transfer number and she initially refused. I said that  XXXX  said that she added the wire transfer number to my account. All of this transpired on Monday  XX/XX/2017   . I tried to reach the OCWEN Ombudsman, the prior Friday and Saturday, but to no avail. I had spoken to a Customer Service Representative in  XXXX  first thing in the morning and the guy just wanted to lecture me and create further problems. I demanded that this guy be fired.
My home loan ( and servicing ) was sold to a company called PHH Mortgage back in XXXX. I have been trying for a couple of months to contact them to setup direct debit for my monthly mortgage payments. I can not contact anyone who seems to be in the XXXX but instead I get routed to a call center in the XXXX. I have not been receiving paper statements by mail to confirm what my payment is. I have made two one-time payments through their online system but I have reason to suspect they are applying the entire payment towards my balance and nothing is being applied toward interest or escrow. But because I can not contact anyone through their numerous customer service phone numbers, I can not confirm what is going on. As a side note, I have done a search of online reviews for this company and was astonished to find that hundreds of others seem to be having the same ( and other ) problems with this company. It seems to me that they are exercising horrible ( and even illegal ) business practices and something needs to be done to protect me and others as consumers.
I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft.XXXX XXXX IN THE AMOUNT OF {$540.00}. XXXX XXXX IN THE AMOUNT OF {$540.00} XXXX IN THE AMOUNT OF {$170.00} XXXXXXXX XXXX IN THE AMOUNT OF {$1000.00} XXXX XXXX IN THE AMOUNT OF {$570.00} ALL THESE CHARGES ARE A RESULT OF IDENTITY THEFT AND SHOULD BE REMOVED FROM MY CREDIT FILE IMMEDIATELY. I HAVE NEVER DONE BUSINESS WITH NONE OF THE ABOVE ACCOUNTS AND THEY HAVE NO CONTRACTS BEARING MY SIGNATURE. I HAVE INFORMED EXPERIAN MORE THAN ONCE THAN THESE ACCOUNTS DO NOT BELONG TO ME AND ARE A RESULT OF IDENTITY THEFT PLEASE REMOVE.
While married, I added husband as authorized user to Citibank card. Trying to now remove him from the card and they state that it is a joint account. I asked how it was a joint account, as I have owned the credit card prior to knowing him. They stated only way to have joint account is to have XXXX applied for card at the same time. I have been a cardmember for 14 years, they tell me, and I 've only known my ex for 8 years. there is no absolute way we signed up for this card together. In fact, I never had a joint account with him at all accept for his business checking account. We never had this as a joint account and they refuse to remove him. In order to do so, I would have to pay off the XXXX balance, which i can not do, or close the card and reapply for a new XXXX. But the second option would still have us in the same situation. This is hurting his credit now by having this card showing as a large amount.
Some time ago Navient has stopped processing my payments. I have not received any communications to this except now a few years later I have 19 late payment notices on my account. I only learned of this since i have applied for a mortgage as I have been relocated for work. I had previously agreed to a reduced interest rate repayment plan. This was supposed to be automatic and to my understanding was setup to reoccur every month. This is greatly affecting my XXXX XXXX and my ability to secure a new house with my job transfer. This is also time sensitive the house i am selling closes in 3 weeks and will be left with no option but to attempt to rent for my family.
XXXX continues to report misinformation from XXXXCBNA, XXXX. XXXX XXXX, XXXX XXXX, SD XXXX. I have disputed their information for over two years with XXXX and XXXXCBNA continues to give the credit reporting agency false information. According to XXXX 's report a payment was made to XXXX/CBNA   on XX/XX/XXXX. Any activity by me with this creditor ceased long before that date. I am asking that XXXX/CBNA provide proof of any such activity actual hard copy proof, including a ledger accounting of all payments and dates these alleged transactions occurred. XXXX/CBNA was asked and I am also requesting that they provide confirmation that there was NOT any activity created by my ex-wife, XXXX XXXX, instead of me. I make this statement because my ex-wife had a habit of mishandling my affairs. This may not be the case but XXXXCBNA must prove that I conducted the alleged transactions and not her, because I did not. Without this proof, XXXXCBNA should advise XXXX to immediately remove any information on my credit report. 

This account is NOT listed on either XXXX or XXXX. 

XXXX  was notified, and XXXXCBNA has been notified as well that their false reporting has caused me financial harm and created a negative impact on my personal history. If this false reporting is not corrected not later than XX/XX/XXXX I will pursue all legal means against XXXX and XXXXCBNA to  seek compensation for the harm suffered.
I have requested my loan information and the right to be placed on a rehabilitation program and they refused my request, for the income driven rehabilitation payment plan
On XX/XX/XXXX a vehicle that I purchased new in XXXX was towed by the City of XXXX XXXX, CA for parking tickets. My daughter was using the vehicle while in California, We live in North Carolina. 
On XX/XX/XXXX GM Financial picked up the vehicle after being contacted by the towing company. 
On XX/XX/XXXX ( Friday ) composed a letter that stated I had 10 days from the date of the notice to recover the vehicle or the vehicle would be sold in a private sale. This letter was post marked on Monday XX/XX/XXXX and I did not receive the letter until Friday XX/XX/XXXX effectively giving me less than one day to respond to the letter. 
I contacted GM Financial on XX/XX/XXXX, prior to receiving the letter because I noticed the repossession on my credit report. Prior to this I had no contact with GM Financial by any means. 
Since I initially spoke with an agent at GM Financial, I have been unable to contact anyone there via phone or messaging through their website regarding this matter. 
Furthermore, We have never missed a single payment on the vehicle loan which is now five years. We have also never allowed insurance to lapse on the vehicle though the entire loan term to date. 
A payment monthly payment was made on XX/XX/XXXX and was accepted by GM Financial but was not credited to my account and is still sowing past due along with another past due amount of {$350.00} for which I am unclear as to the nature of this past due amount since I have not received a statement for the month of XX/XX/XXXX, nor is it even available on their website when I log into my account dashboard. 
Please Help! 
Thank You!
Back in    2001  I had asked for repairs to be done in the apartment I was renting, after numerous attempts of asking and nothing being done I held back part of the rent to do the repairs myself. I received a eviction notice which I responded to and went to court I won the verdict because they had deposited the rest if the rent then I received court papers stating they were garnishing wages in the amount of  XXXX  for damages which there were no damages now after 15 year s Coachella valley  collections and attorney  XXXX   XXXX  filed again and now garnishing my wages in the amount of  XXXX  which they have no right to
XX/XX/2018 I am being hit with a 2 separate hard inquiry from XXXX XXXX which was fraud and I never applied or tried to apply for any XXXX XXXX. 

I have called XXXX once I found out about this through XXXX XXXX   and told them about the fraud and that this was not authorized by me and if they can remove the hard inquiry due to the fact that this wasn't me
I was contacted about a judgement from   XXXX   whic h Javitch Block got r eactivated. I understand that they are allowed to do this. I came to a payment arrangement of {$200.00} per month for which they refuse to provide statements or billings The payments are due the  XXXX  of the month. I paid late this month on the  XXXX  and attempted for several days to call and discuss ( after submitting the payment ) with no response. You get in the phone queue and are  XXXX  in line, you count down to  XXXX  or  XXXX  and are then put into a voice mail that is full and you can not leave a message. This is after  2 hou rs on the waiting line. I did submt an online payment. They did not take the payment I submitted and have a confirmation number for I have sent a fax asking for contact, I have sent several messges. I have been in endless loops trying to speak to someone. I called and spoke witth an operator who immediately put me into a recording without listening to me. Currently am in a loop that tells you there is n o one av ailable to assist, your call will be returned in the order receied, you are advised to leave a message but then put into a voice mail that can not take a message. Please try it :  XXXX . I do n't know what to do about them.
Attempting to have loan refinanced. Servicer on current loan is Ocwen Loan Servicing. Ocwen refused to give payoff amount to new lender on XX/XX/XXXX.  Called customer service today, was put on hold, and then line disconnected. Called back and office was closed, holding me hostage to their interest rate so that they can make more money.
constant collections calls all day Numerous calls in one Day, its Annoying and Violates the FDCPA on Collection Call Harassment on A Predatory loan imposes unfair or abusive loan terms on a borrower. It is also any practice that convinces a borrower to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions for a loan that a borrower does n't need, does n't want or ca n't afford. LOAN # XXXX
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP as this very exhausting. Nobody wants to grant me a load because of this. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX )
I contacted Medical Data Systems, Inc regarding XXXX medical accounts. I was asking them about settlement/payment options. I was told that I could not choose which account I paid first. They told me if i sent in a payment that they would apply it towards the oldest account first. I asked again if I could pay the smaller accounts first and again I was told no that it would be applied to the oldest larger balance and I did not have the option of choosing which account I paid. Under section 810 of the FDCPA it says that I have a right to choose which accounts I pay.
Here are the dates when I mailed out letters asking them to fix the errors XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and till this date they have failed to provide me with proof as per the fcra. AS I understand, federal reporting laws, particularly the XXXX XXXX data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven XXXX XXXX COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite XXXX XXXX compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.
Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put  myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
On XX/XX/2017 my checking account with Peoples Bank was compromised with an unauthorized " ach '' withdrawal from XXXX XXXX. As I do not have an account with XXXX I immediately called the call center as soon as I discovered this mistake on XX/XX/2017. A case # XXXX was opened and I was sent an e-mail with the required affidavit form attached and was told I could fill it out and e-mail back. I could not open the attachment and called back immediately and was told it could not be sent in any other format so it would be mailed. Instead of waiting for it to arrive by mail I went to the XXXX XXXX branch a few days later where two branch employees spent almost thirty minutes trying to help me. They could not open the attachment either or obtain the form any other way. I left there with no choice but to wait for it to arrive by mail. When it did not come after waiting nine days ( from XXXX to XXXX! ), I went to a different branch at the XXXX in XXXX because I was in that area and once again the teller tried very hard to help me to no avail frustrating both of us. All she was able to find out from the call center was that I did have a case open and " the form is in transit by mail ''. Today is fifteen days from the first call to Peoples and I still have not received the affidavit form required to correct this costly mistake. The debit was {$280.00} plus {$37.00} overdraft fee which totals {$320.00}. I only receive {$XXXX} direct deposit on the XXXX of the month from a pension. I have not had access to the {$320.00} which I desperately need. Peoples Bank has delayed rectifying this problem that should not have even occurred in the first place because I did not authorize this withdrawal. Please help.
They kept adding late charges, my account kept going up instead of down. 
Took me about 9mo. to figure it out. I did call them and raised cane, because I was mailingpayment XXXX weeks before due date. She credited me one late fee. 
I still feel ripped off. I just finally paid off account XX/XX/2015. It should have been paid off a year ago.
I applied for and was granted the Barclay Luxury Gold Card in XX/XX/2016. At that time, they offered to waive the annual fee of {$990.00} and provide 0 % interest under XXXX benefits for XXXX military members. They have since rescinded that offer, and are now charging the annual fee of {$990.00} - stating that their policies were not in line with XXXX policy. They also said that Luxury Card - the third party brand - was losing out on money that it forced Barclay to start charging the annual fee again to keep the connection with Luxury Card. Either way, this is extremely unfair to numerous XXXX military members who got the card knowing the annual fee would be waived. For example, one may have put {$5000.00} down for a car at 0 % interest, and now has to pay off that balance and close the card, or be stuck with another {$990.00} annual fee. As a military member who received this card and the waived annual fee benefit, I feel that I should be grandfathered into what they originally offered -- i.e. no annual fee, no administrative fees, and 0 % interest.
I have home & auto insurance through USAA and, at one point, had XXXX cars on my policy ; never paid late. So, I decided to give USAA a try and apply for an auto loan on XXXX/XXXX/15 to try and build more business with them. After applying for a loan online, I was told that they required more information ( XXXX paystubs and clarification of income ) from me. I uploaded the documents right away and then called the next day and was told they did n't receive the documents. I then uploaded the documents while on the phone with the rep and was then told I needed to provide 2 years worth of tax returns!! NEVER IN MY LIFE HAVE I BEEN ASKED TO PROVIDE TAX RETURNS FOR AN AUTO LOAN!!! Just to play it out, I uploaded the requested documents and was then told they would have to get back to me ... I was still waiting as of XXXX/XXXX/15 when they notified me that they were unable to approve my request for the following reasons : Insufficient or unverifiable income. 
I provided the requested documentation to the bank to include the following:XXXX subcontractor agreements for both of my sources of incomeA recent bank statement detailing the deposit of said income2 years worth of requested tax returns ( XXXX and XXXX ) I have a good credit rating and make well over $ XXXX between my XXXX jobs. I feel like USAA discriminated against me and treated me like I was doing something illegal when I have proof of all information. To make matters worse, THEY REMOVED MY NEGATIVE REVIEW OF THEIR PROCESS FROM THEIR WEBSITE!! BUYER BEWARE!!
The " Experian '' report was not available at the time, so it was skipped. It will not allow me to return and review this particular report. This is the report most creditors we would like to use obtain their credit reports.
I 'm XXXX, disalbled, after an accident at work in 2013, i lost my truck, my home, my wife, my job, @ now I 'm losing what XXXX I had left, before I could pay my bills, now I ca n't, I do n't have anything that this co.Midland funding can take, without the food stamps I get each month, i would n't be able to eat atleast one week a month.after I pay rent, water, serus, lights, @ my insurance, i have about {$92.00} left, I have nothing they can take, i have no dignity left, i have nothing, now they are sueing me in XXXX co court, '' XXXX, if they had bothered to check they would see the only money I get is my XXXX rent an apartment, i have no car, no truck, '' nothing. " Please can y'all help me, im afraid they will take whatitg little I get, @ I, ll be out in the street.i ca n't pay any laser to help me " can y'all help?
Attempted to do a loan modification with Shellpoint. Submitted multiple sets of documentation over the last 6 months with absolutely no phone contact with them. They just turned me down claiming I do n't qualify for a mortgage reduction. Homes directly across street sold recently at XXXX. I do not accept their decision. Especially since they operate so shady.
Submitted an investigation to Equifax on XX/XX/XXXX ( attached ) re : XXXX XXXX XXXX reporting incorrect information on my credit report. On XX/XX/XXXX, I entered the confirmation number to check the status of my investigation online. It stated that I had no pending investigation. I then called customer services and spoke to an XXXX person, whom I kindly informed that she could not help me. I asked to speak to a manager. The manager checks to see if there were any pending investigations. I offer to give her my confirmation number. She informed me that the investigation had been completed and the results were emailed to me on XX/XX/XXXX. I informed her that I had not received an email and even if that was the case I should be able to retrieve my report online once I enter the confirmation number. I asked her about the results which she claimed that there was nothing they could do about the incorrect reporting by XXXX ( which I submitted ). Once I explained the circumstances to her she claim that Equifax does not have a history of my credit report history. She then stated that she would mail me a copy of the investigation report which I would received in about 7 to 10 days. She then stated that she would resubmit my investigation claim. I inform her that I would resubmit it myself. I am only having this discrepancy with Equifax. I do not have this discrepancy with XXXX or XXXX. I tried several times to enter the confirmation number for the dispute and it tells me that my information does not match. As of today, I will also be resubmitting my dispute.
I discovered the Assignment of Mortgage on my loan being used to establish ownership was robo-signed. XXXX, Inc was not in business on XXXX XXXX, XXXX and did not exist on XXXX XXXX, XXXX, when the Assignment of Mortgage was recorded and filed in the office of the XXXX XXXX of the City of XXXX. 
I requested for an explanation from the mortgage servicer KeyBank Real Estate Capital during the month of XXXX XXXX, but was not provided with this information in accordance with CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ). 
I also requested to know the date the mortgage and note was transferred or placed into XXXX XXXX XXXX, XXXX XXXX and when XXXX Mortgage XXXX, XXXX or XXXX XXXX XXXX, XXXX indorsed the subject note to XXXX XXXX XXXX, XXXX XXXX or transferred possession of it in accordance with CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ).
Mortgage with   XXXX   XXXX   XXXX   was first reported delinquent  XX/XX/XXXX . It was charged off my credit report and deleted in  XXXX . Furthermore the mortgage company had filed a release with the recorder of deeds   XX/XX/XXXX  .   This 3rd party company has recently sent information regarding the old debt with out the original creditors information listed.     I feel this debt is not mine because they have no legally binding contract with my signature agreeing to the remaining debt.
My XXXX Personal Credit Report contains three inquiries made by XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

The stated purposes are for account review and promotion. All of these inquiries were made illegally, I have had a promotional block on my XXXX file since XXXX, a permanent security freeze in place since XXXX, and I have no account with XXXX XXXX XXXX XXXX. XXXX was notified and promptly deleted the inquiries from my file since none were permissible. 

Apparently this company willfully evaded or circumbvented the safety measures I put in place to prevent unauthorized release of my private information.