WillisBack/dataset-financial-user-claim huggingface dataset:
What happened? I have a previous complaint filed with your organization against Ocwen Loan Servicing LLC . The Submission # is XXXX. The complaint status button is not working so I am submitting my complaint via this site. I initially requested to close my escrow account and to make payments directly for property taxes and hazard insurance. After much delay Ocwen denied my request and gave numerous reasons by varying sources such as : ( 1 ) The property is a planned unit development ; ( 2 ) The property is an investment property ; and, ( 3 ) The property must be owner occupied. It was extremely difficult to speak to someone in their escrow department by telephone. They became more responsive once Consumer Protection Bureau got involved. 
Further, they are holding excessive amounts in an escrow account as they have erroneously captured the amount of hazard insurance I pay each year. They continue to hold the incorrect amount even though I have provided numerous letters with the correct amount and they have also contacted the insurance company. I have sent documentation to your organization and have attached below the correspondence between Ocwen and myself for the past 5 months. You can clearly see I requested an escrow account review due to the erroneous insurance premiums they show in their system to no avail. 
In the most recent response ( dated XX/XX/XXXX ), Ocwen stated, " In accordance with California Financial Cose, under Division 6 section 17000, Ocwen must not require a borrower to have an escrow account for property taxes, insurance premiums, or other payments regardless of payment history, if the property is a single-family, owner-occupied property. '' I met all of their conditions to have the escrow account closed ; however, I believe they are using this statement as some type of loop hole to surreptitiously and in bad faith deny closing my escrow account. Further, they show hazard insurance as {$1300.00} when it is only $ XXXX year and was aleady paid by me in XX/XX/XXXX and not due again to XX/XX/XXXX. This error causes them to hold an excessive amount of my money in an escrow account. Furthermore, and to add injury to insult, they say I have an escrow shortage when if they correct the issue it would be an escrow surplus. I continue to go back and forth with them to no avail, while they continue to hold excess monies in my escrow account and to circumvent their own rules and misrepresent current CA law and not close my escrow account.
I recieved a written notice from Credit Protection Association L.P. dated for XX/XX/XXXX. It stated i had 30 days to " pay your service balance or call to set up a payment plan ''. It also states " PAYMENT OPTIONS TO AVOID CREDIT BUREAU REPORTING ''. I contacted them on XX/XX/XXXX, made a payment of {$77.00} and set up payments for the remaining balance. My account is still current with them, yet my credit was notified and the account is now on my credit. I contacted CPA and they informed me to call XXXX XXXX XXXX the initial company i am debted to. I did so and XXXX informed me that CPA would have to correct the error and that they don't know why CPA sent out the notice and reported to my credit before the 30 days stated. A representative named XXXX informed me that it was reported to the credit bureau in XX/XX/XXXX and she confirmedmy payment recieved XX/XX/XXXX. When i asked why i recieved a statement from their company to resolve this before those measures were taken neither the representative nor her supervisor ( XXXX XXXX ) had an answer. CPA was unwilling to resolve this matter and blamed XXXX for the issue, yet on my credit it shows it was reported by CPA. I have the original statement from the company. A confirmation number of payment made to them onXX/XX/XXXX, receipt of my payment from my bank account, and that it occurred all within the 30 days from date of the notice recieved.
I pulled my credit due to a recent fraud situation and found several credit inquiries that I did not authorize. I wrote letters to the companies and did not ever get a response back. These are not my inquiries and they need to be removed from my credit report. It is negatively impacting my ability to get credit and I will seek legal action if it is not resolved immediately.
CHASE Credit Card Slate is reporting missing payment and credit card default under my name, I was only and authorize user in the account so I can do some shopping for a friend due to he was disable, but I have never sign any agreement on me be responsible for this account, I have done a dispute with XXXX, XXXX and XXXX and they have not done any changes on my report, also I have sent letters and faxes to Chase directly and they have ignore my request. I have ask for a validation of the debt under FDCPA section 809 Validation Of Debt ( 15 USC 1692.g ) ( B ) and they have ignore my request, I been denied credit and opportunity due this reporting, I will like to please enforce this law now and also get a judgment of {$1000.00} for damages due to this, I have taking time of my life and pay for faxes and latter plus postage to fixe this problem and I still have not any response from Chase Slate Card.
I graduated in XXXX with a XXXX XXXX degree and went to work for XXXX in Ohio. My family has a long history of XXXX. I was told in XXXX that XXXX Loans enrolled me in the Public Service Loan Forgiveness program. They did n't and they went out of business. They sold my loan to XXXX. I contacted them to make sure that it got transferred properly and that 's when I found out they never put my loan into that program. They assured me that they would fix it and that my loan would be in that program. They did n't and they went out of business. They sold my loan to Mohela. I just found out today that I have never been put on the right kind of repayment plan. 

I have made 7 years of payments, always on time, and none of them count. I was supposed to have loan forgiveness after 10 years of on time payments. I just want credit for my 7 years, because I had no way to know or even no way to check if what I was told actually happened. Even if the total of my payments would have been more than what I did pay, I am willing to pay any additional funds that I would have paid, had they done what they said they were doing. 

I am XXXX years old, and I want to retire someday, sooner rather than later. I have very little to retire on because I was a military spouse for 20 years and had a sporadic work history, and now I work in XXXX, so the social security administration is going to cheat me out of a lot of my retirement because I get XXXX retirement for part of my work history. ( That 's another messed up financial situation that your agency should look at. ) I will probably have to buy a mobile home with money I get from my parent 's house when they pass away, just to be able to afford to live in retirement. I ca n't pay student loans in retirement. If I could discharge them in bankruptcy, I would since I feel like I have been cheated. I have always paid all of my debts. I even almost lost a house in the recession but worked really hard to sell it at a loss rather than default. I lost XXXX dollars in home-ownership in the recession, because when I sold house number XXXX, it was XXXX and I had no idea that the whole economy would tank in XXXX. I purchased a condo in XXXX and it is currently worth XXXX less that I originally paid for it. 

When I first discovered the problem with XXXX, I found evidence of XXXX Loans doing this with a lot of people, but I no longer have the information. I know it 's there and could be found with some intensive XXXX or other searching. Please help me. I have always tried to do the right thing in life, and have gotten XXXX by circumstances, but this is just wrong and seems like it should be able to be fixed, since it was a couple of people who either lied or were just too incompetent to do the job right. No one wants to take any responsibility, and I just want this corrected since I did what I was supposed to do, and have dedicated my life to XXXX. I realize that the people who messed up my loan not once, but twice, are not able to be found. But I want someone now to step up and do the right thing, and fix this error. Thank you.
I have been a customer of BB & T bank now for about 4 months and from inception, it has been a nightmare. I believe their fee processing borders on the unethical. Recently I was in a situation were BB & T charged me {$250.00} in fees for a returned item and overdraft situation. Because their systems are so inadequate, I received {$140.00} in unnecessary fees that I flat out refuse to pay. That said, I do accept responsibility for {$100.00} in fees ( XXXX returned item fees and an overdraft fee ). The worst part is that customer service has been almost antagonistic in dealing with me, and totally unhelpful. I have already moved on to a new bank and am willing to walk away completely from my current negative balance of {$450.00}. But to avoid a negative reporting on my credit and elsewhere, I would like to settle my current {$450.00} negative balance for {$310.00} and close my accounts. The difference being the previously mentioned {$140.00} in unethical fees.
I have a hospital bill that shows no insurance coverage however, I was insured. They billed the medical expenses to my former address instead of my current. I did not realize this was a bill in collections until this year.
XXXX XXXX XXXXXXXX ran my credit without my permission back on XX/XX/XXXX, and they used Corelogic Credco to do it. I reported XXXX XXXXXXXX XXXX to the CFPB on multiple occasions in XX/XX/XXXX/XX/XX/XXXX, and  they said they would have Corelogic Credco remove the hard inquiries. Corelogic Credco was supposed to have the hard inquiries removed from my report all the way back in XX/XX/XXXXof this year, but they haven't. XXXX still has the hard inquiry from them. I contacted Corelogic Credco on XX/XX/XXXX, and they said I needed to submit a written request to them to give to XXXX  to remove the hard inquiry. I sent it via email ( Corelogic Credco said it was acceptable ), but over a month later, the hard inquiry from XXXX  is still on my report, and I've been dealing with the whole situation for over half a year. Attached is the email I sent in XX/XX/XXXX
In XX/XX/2018, a collections account showed up on my credit report from XXXX XXXX. I have never done business of any kind with XXXX. I immediately disputed the account with the credit bureau Experian. The results came back saying the account was " valid. '' I was unable to get a real person from XXXX on the phone to address this issue. After doing my own research, apparently this is a famous problem with XXXX that has happened to many people, and neither XXXX nor the credit bureaus care to help resolve the situation. In my situation, the account is clearly either erroneous or fraudulent. Around that time, I did have some fraud and identity theft issues with someone attempting to open lines of credit in my name. This account may be the result of that. I've attached the only information I have about the account, which was reported by Experian. Right now, the collection amount balance says {$4600.00}. The creditor address reported by Experian is : XXXX XXXX XXXX XXXX, TX XXXX The creditor phone number reported by Experian is ( XXXX ) XXXX.
XXXX XXXX XXXX provoked a dispute with me in late XX/XX/XXXX. I discovered that even though it resolved in my favor, they continued to mar all three of my credit reports with a statement about it. I asked XXXX to stop reporting it via a phone call in XX/XX/XXXX. They did not. I have detailed what happened under the complaints XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, and XXXX XXXX XXXX - TransUnion. I am complaining again because I was not satisfied with any of the responses. 

In the case here of Transunion, though they corrected the report I continue to be aggrieved because when you review this case why did they do this in the first place?
In 2006 I signed my student loan promissary note with a company by the name of XXXX XXXX XXXX. Keep in mind i was XXXX at the time and unaware of laws or regulations. After I signed the promissary note I was sent my truth and lending disclosure. Nothing in my promissary note stated I would have to pay XXXX XXXX late fees if I was 5 days or more late. It just recently happened that I hit hard times within the last few years and I was coming up late on some payments. I discovered they were charging late payments of XXXX XXXX a month which according to reg Z can not happen unless that was disclosed before I signed my contract. I called the company ACS education services but they refused to comply with removing the fees. They sent me a promissary note copy but it was redacted so it did not show the entire contract. I have been paying this loan for over 8 years, and cannnot understand how they can get away with this. They said " XXXX XXXX '' is my lender but that was n't given to me either before I signed the promissary note. Is this legal? Help me.
Creditor is reporting a different date of bankruptcy than the original date. XX/XX/2012 2012
I am absolutely APPALLED at the level of customer service I have received when I tried to book a flight home for the holidays using my points. I have spoken with Chase Travel and Chase Customer / Card support personnel ( through level 4 ) and no one was able to help me nor seemed to care of take responsibility. No one seemed to care about the customer nor gave me any options for me to use my points. There was no consistency with their responses. Personnel told me that I would get a call back in four hours, I did not receive one. Another personnel told me I'd get more points to compensate, I did not receive any. Extremely misleading. See personnel information below : 1. XXXX ( Chase Travel ) 2. XXXX ( Chase Travel Supervisor ) - XXXX 3. XXXX  ( Chase Travel Supervisor ) 4. XXXX ( Tier 4 Support ) - XXXX, XXXX 5. XXXX ( Account Supervisor - Chase Card Services ) - refused to give me identification number because of bad service 6. XXXX - refused to give me identification number because lack of accountability 7. XXXX ( Supervisor ) - XXXX  I have been on calls from XX/XX/XXXX each day for 2-3 hours each day. I've been passed on from person to person. It's extremely deceiving and it's absolutely a terrible customer service experience. I've been a member of Chase for years and I have been accumulating points for years with the assumption that I could use them. However, no one was able to help me use them and implied that they are essentially useless. 3 days. 3 DAYS! I've spent at least 6+ hours on the phone with no support. Please go and check the recordings of the calls for proof. I had multiple people on the line at the same time and no one wanted to take accountability. There is no one system of record as no two people understand my complaint number. Just an awful, awful AWFUL experience. This institution should not be allowed to deal with customers as they do not put them first. They make consumers deal with the problem even though it is an internal problem. I had to call back multiple times because I did not receive a call back. Not only do I have a large amount of points that I can't use, I also can't get home for the holidays. I will also be submitting a UDAAP complaint to the FDIC.
My name is I contacted anyone and everyone that would listen. But Caliber homes loan employees are unable unwilling or just to disconnected with your customers. The Refi process has been one of the worst experience. My credit score was dropped because of this company inability to understand whats going on under its own roof. No fault of mine, much to the contrast I contacted several employees at Caliber warning that if they did n't get in front of reporting a late payment that in fact was not late but in fact the loan was paid off that there system is going to report and it will make my life way harder then it already is. I do n't understand how this could happen, even if I was n't calling it out before it happen but the fact that I did repeatedly is just unacceptable. 
Please contact me Thanks Thanks for getting back with XXXX I believe that XXXX is the voice to advance this into a bill. Way to many good hard working Americans get hurt every day over false reporting. Then it 's up to the victim to try and get it repaired. So even if the victim gets it removed shows all the other creditors the explanation letter from the source of this false reporting. Keeps his other creditors from raising there rates. This will still show as a dip in the credit score since it grades are based on past and present scores. Please consider this to be on the agenda for XXXX I know he can champion this, for the working class people of this great country. Many of us do n't know what to do if this happens or even knows if it happens do n't have the time or know how to try and fix it. It seems like a company such as a Bank or other leading institution should play a greater part. A simple letter of correction should not be all. The reasons we give fines is to keep people in check I believe that the thousands of silent victims will agree that its costly seemingly non-endings and take a great toll on the person physical well being. I myself have lost hair, sleep i 'm distracted at work home while driving Thank you for being our voice XXXX and Thank you for your hard work XXXX 
Sincerely
XXXX XXXX was paid as agreed, settled in full. not paid for less than as being reported. need validated
I have credit cards that offer variable rebate rates, as high as XXXX percent. They are currently American Express cards, but, my new XXXX XXXX issued card has the same problem. 
The billing statements do not supply any detail as to which vendors paid which percentage. 
Without this information I can not tell where to shop. For example I get XXXX Percent at grocery stores, XXXX grocery has a gas station, I get XXXX percent ( on this card, but XXXX percent on my new XXXX card ) if it is a gas station but XXXX percent if it is a grocery store. Since there is no detail I can not determine which card to use or where to buy my gas.
On XX/XX/XXXX I received and escrow analysis showing the account with SLS had a surplus in the account. The account was not current and the letter indicated that the check would be refunded when the account was brought current. As an executor of my mother 's estate I contacted the company. Made the payment to bring the account current. SLS shows the account current as XX/XX/XXXX. I was told I would have the surplus check within 2 weeks. 
Did not happen. I waited until XX/XX/XXXX to follow up again. I was told I would have the check in hand by XX/XX/XXXX. The delay was because they had not filled out the correct form internally to get the check released. 
Today is XX/XX/XXXX. I followed up agian and was told that they would be changing my escrow account in XX/XX/XXXX and they would look at sending the check out sometime next month. This is causing there to be late charges to the XX/XX/XXXX payment since these are the funds that were to be used to pay XX/XX/XXXX 's payment. They told me that was not their problem and they would also be assessing an additional late charge. I have been transferred from one person to another and placed on hold for over an hour. 
It is my understanding that they should have resolved the escrow surplus within 30 days. They have surpassed this time period and as a result of keeping our funds they are causing other late fees and charges. I just finished talking with them and they are going to see what they can do and will let me know when they find out. No time frame.
To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 
XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX PLEASE REMOVE THIS NEGATIVE PAYMENT HISTORY FROM MY CREDIT REPORT. 

I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. 
Please send an updated copy of my credit report to the above address. 

Thank you for your time and help in this matter.
Hello, On XXXX XXXX I won a bid on eBay and purchased a XXXX fanny pack through Paypal in the amount of {$300.00} plus {$9.00} shipping, total {$310.00}. I was very satisfied with my purchase until the clamp broke. I sent the fanny pack back to XXXX for repair which took over a month to evaluate. XXXX sent the fanny pack back along with the letter that I submitted to Papyal in a dispute I thought I opened on XXXX XXXX. The letter stated that XXXX was n't able to fix my fanny pack because they only service products from XXXX or authorized distributors. Now at this point I 'm confused so I called XXXX @ ( XXXX ) XXXX and I was told the fanny pack was NOT authentic. At this point I 'm out of {$310.00} plus I have a knock off broken fanny pack that can not be fixed. I 'm extremely disappointed because eBay nor Paypal are willing to help get my money back. I used my credit card ending in XXXX to make the purchase. I DO NOT have {$310.00} to just give away. I even contacted the seller XXXX to get my money back and they have yet to respond. This is not only disappointing but it 's embarrassing as well. I am a good client to both Paypal and eBay and I expect the same in return. I want my credit card reimbursed the {$310.00}. 

I understand that eBay has a 30 day return policy and Paypal has a 6 month return policy but had the clamp not broken, I would 've never known this bag was a fake. I need both eBay and Paypal to make new policies because in a case where fraudulent items are being sold, there should n't be a time frame on those purchases. 

A customer should be able to get their money back if the item is counterfeit, it 's against the law to sell counterfeit handbags. 

Please help me get my money back, this is unbelievable. 

Thank you, transaction ID # XXXX
XX/XX/XXXX sent in documents to Equifax XX/XX/XXXX sent in documents to Equifax XX/XX/XXXX sent in documents to Equifax XX/XX/XXXX sent in documents to Equifax XX/XX/XXXX sent in documents to Equifax XX/XX/XXXX sent in documents to Equifax XX/XX/XXXX XX/XX/XXXX sent in documents to Equifax XX/XX/XXXX sent in documents to Equifax .... And they also removed both XXXX Credit Card Account from my report, and have not added them back even after documentation was sent in verifying the account and that the institution was and still is reporting both accounts to them.
I recently looked at my credit reports and noticed that this CAPITAL ONE BANK XXXX XXXX reported 30 day late on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30,60 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be  reflected in your credit report. 
In short, I never received such a warning notice! 

I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.