WillisBack/dataset-financial-user-claim huggingface dataset:
Years ago, my mortgage was sold to Ocwen Loan Servicing , LLC . On XXXX XXXX, 2014, I received an official letter from Ocwen Loan Servicing , LLC confirming my successful enrollment in its Automatic Clearing House ( ACH ) program. This letter was in response to recent efforts intended to ensure payment of my monthly mortgage while I was on international travel beginning XXXX XXXX, 2014, and without access to regular mail or telecommunications. 

Upon my return to California on XXXX XXXX, 2014, I checked my credit score using the mobile application " XXXX XXXX '' as I regularly do. It was then discovered that my credit score had dropped significantly. Further investigation resulted in the following discovery : Immediately, I contacted the company to resolve the issue. After literally hours of miscommunication and misunderstanding with the company 's horrendous XXXX-based call center, it was discovered that, contrary to what was stated in their official letter written to me, Ocwen Loan Servicing , LLC had failed to enroll me in their ACH program. It was also discovered that the company had failed to notify me of this failure. It was admitted that the company had made no attempt to notify me of the failure by regular mail, electronic mail, or telephone. Fully admitting their blunder, Ocwen Loan Servicing , LLC agreed to wave all associated late fees. Further representing my level of responsibility and good faith, I then paid the entire remaining three-month balance in full during the same conversation. 

Still, somehow, this catastrophic malpractice resulted in the reporting of a 60 day late-payment notice to the XXXX major credit bureaus. I pleaded with Ocwen to contact the XXXX major credit bureaus and remove the unjust blemish from my credit score. I was told to submit a case to their credit reporting department, which I did. This process was painfully inefficient and wildly confusing. Two-weeks later, I finally received a thick packet of fine print ultimately explaining that Ocwen was refusing to remove the credit blemish. 

It is unjust that XXXX be subject to the incompetence and deceit of a company for which they had no choice of the matter. This is especially true when concerning a repulsive and scandalous company like Ocwen Loan Servicing, which has been subject to XXXX dollars in fines as the result of multiple lost lawsuits for blatantly lying to and deceiving the public.
breach of contract for failure to inform me of their termination of their business relationship with me. 
violation of the Federal Fair Debt Collection Act of 1977 for filing false information with the credit reporting agencies
XXXX XXXX {$410.00} did was disputed and removed off credit report and this company Resubmitted this again on credit report
Equifax was hacked and the confideitial data that it stored was stolen. How can a company like this allow such a thing to happen? They should be put out of business. This is unacceptable.
in XXXX XXXX, i transferred my account from XXXX XXXX into XXXX XXXX XXXX which # were XXXX and XXXX- XXXX- XXXX. i purchased a XXXX XXXX XXXX from XXXX XXXX XXXX for the # XXXX, and i brought with me an XXXX XXXX XXXX that i purchased from XXXX XXXX. at the XXXX XXXX XXXX store, i was told that the phone # ends XXXX can not transferred because XXXX XXXX did not release the # therefore, they gave a different # to replace the XXXX which is XXXX- XXXX-XXXX, and also told that the phone # XXXX XXXX XXXX is no longer in service. when i contacted XXXX XXXX XXXX regarding the bill that the sent me, the representative told me that the # is not in used, but i still need to make the payment because the line is open {$81.00}
I purchased a car from XXXX XX/XX/2016. They had me finance through prime acceptance. The title to the car was never supplied. In a year and three months through 2 bonded title processes and making a complaint with the MVD, i drove around on a dealers plate, 2 90 day tags, and 3 30 day tags the company went out of business. The finance company repossessed my car three days ago stating the claims was because of 2 late payments. However, the title had never been furnished for me to get hard plates. And the car went to the auction the next day. I was told the only way I could get the car back was to make the full payment on the loan. Will from prime acceptance told me that they ship their cars out of state.
On XX/XX/2018, I sent a test run for transferring money ( {$1.00} ) from  Suntrust checking acct. to XXXX XXXX, which I have a checking acct., the fund arrived ( {$1.00} ) the next day. 
On XX/XX/XXXX, transferred {$1100.00} the same way .... as of this day it has not arrived at XXXX acct..and it has not shown up in my Suntrust acct. 
I have visit Suntrust each day asking to have it checked out, which they have, we have no results from the transfer Co. ( Fiserv ) that does the electronic transfer of funds for Suntrust. 
On XX/XX/XXXX .... I decided to run some more tests .... I transfer {$1.00}, XX/XX/XXXX transfer another {$1.00} and XX/XX/XXXX transfer {$1.00}. 
All of these transfer was successful in getting to XXXX checking acct. 
I have asked Suntrust to give me a provisional credit to my checking acct. which they have refused to do, HELP Thanks XXXX XXXX
I sent my dispute by mail XXXX, 2015 because I 'm a XXXX and my work schedule does n't allow me to be home so that I can call and speak with a live representative. There are some inaccurate marks on my credit report that I requested Experian to investigate. Today I get this letter which I have attached to this complaint stating that they have not initiated an investigation due to the fact that they think it is coming from a fraudulent source. That 's not true. Because of their lack of care and professionalism they have allowed this harmful information to remain on my credit report. People do mail requests for disputes sometimes when they ca n't call or when they ca n't access their credit report online to start an investigation which is the case for Experian. I now have suffered from inaccurate info for 30 days and can expect at least another 30 to 45 days thanks to Experian. Not investigating a consumer 's dispute is a clear cut violation of my rights and under the FCRA. Please look into this company deceptive practices and help me to resolve this matter quickly and efficiently. Thank You.
I have tried to contact the company regarding my report numerous times! I was a victim of fraud and my information was compromised during the XXXX breach. Ive had multiple inquires that were NOT authorized by me and wrong information on my report that needs to be removed. Ive tried contacting the creditors and Ive gotten absolutely nowhere. My last try was to contact XXXX! After multiple attempts and being transferred over 4 times with TU they told me to contact the creditors. After reassuring them that Ive contacted them multiple times they still refused to help! I have NO record of any accounts with the creditors and I am to the point that I am no longer willing to contact the creditors because I have no relationships or contracts with them! It is the credit bureaus responsibility to validate that all inquiries and accounts report on the account are true which they are NOT! This has gotten out of hand and has gone on too long. I need results!
On my XXXX  report there's a questionable collection notice from XXXX for XXXX and I haven't had anything to do with them in over 10 years but on the collection notice it states that I opened an account XXXX of 2017 which is not true. I disputed it on XXXX  and immediately resolved. But XXXX  their system will not let me do the same because it's always down. 
So this is my situation.
I have been a member with American Express for over 4 years and always have had problems with them they never want to help you in the moment of need or waive fees for that same reason I closed two credit cards with them, but they cancelled my plenti credit card without my authorization or at least explaining why they did only stated because they will no longer offer Plenti rewards, and they are still charging interest and fees for an account that was cancelled by them. Please help this is unfair and at this moment I am unable to continue with the payments yet I do not want ruin my credit score.
In XX/XX/XXXX I opened up a XXXX XXXX in which I signed a two year agreement. I has service for a few months and ended up switching carriers at which time I owed an early termination fee since I did not keep service for the full two year as I had initially agreed per the contract. In XX/XX/XXXX I was contacted by a debt collector on XXXX XXXX behalf in which I was offered what I thought was a great deal. The debt collector offered me the opportunity to settle the account in full and if I did they would delete the collection account from all three credit bureaus. They advised once my payment cleared on their end which normally lasts about 48 hours that they would send me a deletion letter to provide to the credit bureaus. Months went by and never received one as they promised. I do not know the name of the debt collector nor do I have their number so I had to call XXXX directly and XXXX advised me that there was no such comment on my account. The collection account was removed from XXXX but not from Experian or XXXX. Not sure why it was only deleted from one of the three credit bureaus but they have not delivered as agreed upon. Not only should have the account been deleted Upon looking further into my Experian credit report I realized that XXXX XXXX is n't even being reported correctly as it does n't even show up as a collection but is being reported as a regular account which was closed with two late payments as failed to pay and a 1 month term. From my understand a collection account shows up as a collection as how it currently shows On XXXX. Credit reports show as {$0.00} balance but should n't be on neither of the two anymore.
I use TD Bank on XXXX XXXX, XXXX XXXX NJ XXXX. On XX/XX/XXXX I received a letter and copy of a check for my rent dated XX/XX/XXXX8 from my Land Lord. The check was stamped 'Account unlocated and so the courtesy check from TD BAnk was not honored.. I took both letters into TD Bank XX/XX/XXXX I was informed that the even though the money was in the account the check was not honored because the bank manager preferred for me to buy their checks and that I used 25 courtesy checks a month. This not true. I get 3.They didn't accept the letters. I asked for the manager and told she was unavailable. XXXX XXXX. I contacted TD BAnk 's corporate office with this complaint and was told that the check should have been honored and I can't be forced to buy their checks. My landlord was charged for a return check and I was late on my XX/XX/XXXX rent. I returned to TD Bank the on XX/XX/XXXX and spoke with a representative there and was told the manager stopped payment on the courtesy check, even though the funds were available and that the manager makes the rules and she preferred I purchased their checks. She could do anything. I then attempted to take money off my Debit card and suddenly my pin number was no good twice. I again reported this to TD BAnk, Corporate. I was forced to use and pay ATM fees to cover my bills. The rent money was withdrawn and turned into money order. There were 2 tellers both doing nothing and I waited and waited. On XX/XX/XXXX, I went to make a withdrawal and deposit and asked for 3 courtesy checks. The teller ( who refused to give me her name ) She immediately went into saying I can only get 3 courtesy checks. I told her I can't manage a checkbook and end up with fees for bounced checks. She informed me that the fees would be the same for courtesy checks. She's harrassing me to purchase their checks. For over a year I get and sign for 3 courtesy checks and I always have to sign for them. Today I was handed the checks without a signature needed. This made more more uneasy. I asked why I didn't have to sign and was told I just didn't. This was also reported to TD Bank Corporate office today and they agreed that all courtesy checks should have been honored and they would look into it. Now when I go to the bank, no one wants to serve me or they give me a speech about buying their checks. This unfair treatment and refusing to pay checks and forcing me to purchase theirs is not right.
I bought a car from  XXXX   XXXX   XXXX  and obtained a car loan, last year I struggled to keep up with the payments and the car got repossessed in    XXXX    2016   . Some time in  XXXX  a received a statement from  XXXX   XXXX  stating that they sold the vehicle and I owed them {$440.00} plus cents. Sometime in  XXXX  I received a collection letter from a third party collection agency stating that I owed  XXXX   XXXX  {$20000.00} and some cents, so I immediately contacted  XXXX  and they said they made a mistake and they sent me an incorrect statement and that I owe them the {$20000.00}
Experian is  continuously reporting inaccuracies on my credit file. I have tried several times on their website to report these inaccuracies with supporting documentation but they will not look at or follow the law. Under FCRA 611 ( a ) ( 6 ) and ( 7 ) 15 USC 1681i they are supposed to provide me with " PHYSICAL, '' proof of their investigation, not speculating by just saying " verified, '' " remains, '' and " Meets requirement of the Fair Credit Reporting Act. '' That is n't a form of verification. No where in the FCRA does it state that is how you verify the items. I have asked to see contracts, contact information of who they spoke with from each inaccurate account and they still do not provide any of that information. None of these accounts have even been properly investigate d and they are breaking the law!   Attached is my dispute with all relevant information to each inaccurate account and inaccurate personal information.
I have sent multiple letter asking Consumer Portfolio Service to validate and show proof that I was late on any payment when I have an account with them. They are report to the three major credit bureaus that I was late on my payment XX/XX/XXXX. The account was setup for direct payment and was taken out of my account on XX/XX/XXXX. Which was well before the payment was due. I have called and sent letters to the company to send me proof of late payment. I was told by phone rep that would get back to me and I have yet to hear from them.
Account ( -XXXX ) was paid in full on XX/XX/2017. This account was a 0 % interest until XX/XX/<YYYY> On XX/XX/2017 account was closed and balance was transferred to another account ( XXXX ). Because if this I am being charged {$2800.00} in interest that was deferred and a {$27.00} late fee for non payment on this new account ( XXXX ). 
I was never informed that they were going to transfer this balance to another account. 
Tried to contact by phone and after 30 minutes on hold I gave up for now.
I was going over my credit report when I seen XXXX # XXXX has a charged off account filed again me. I was told this account was not going on my credit report .I dispute this account on several grounds. 
1. Failure to disclose the truth on the contract. 
2. Failure to reproduce the original contract. 
3. Fraud by omission of Facts. 
According to Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is been a nightmare to deal with this level of fraud. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify that proper permission was granted to pull my report by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. 
This is NOT a request for " verification '' or proof of Claimant mailing address, but a request for VALIDATION and made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per item .If they have my authorization or what they think is my authorization, they will send a copy of what I signed. Make sure it really is my signature and information ; Make sure it explicitly grants the company permission to report a negative credit report. 

At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus, such as, XXXX, XXXX and Trans Union prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports I will not hesitate in bringing legal action against you and your client for the following : - Violation of the Fair Credit Reporting Act - Violation of the Fair Debt Collection Practices Act - Defamation of Character - Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This unauthorized negative credit report is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a " dishonor '' and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. 

If XXXX fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. 
Title 8 USC 809.Validation of debts [ 15 USC 1692g ]
I reviewed my credit information and notice an error on my account from an apartment complex I stayed in years ago. The complex back then was called " XXXX ''. I had email correspondence with the complex regarding my concerns dealing with the apartment before I moved out and was reassured I had nothing to worry about because those issues are not mine and on the complex. I am looking at my credit report and see a charge for XXXX that should n't be there because we left out with a walk through completed and was stated that we had nothing to worry about. We were also given back out security deposit as well when we moved out.
On XX/XX/2018, I spoke with a JPL Recovery Solutions representative named XXXX XXXX '' over the phone. He claimed that I owed more than {$16000.00}. He also claimed that he would be sending paperwork to my employer that same day to begin garnishing my wages unless I immediately agreed to pay a total of {$4300.00}. XXXX also told me that I had to agree to automatic withdrawal from my account, beginning with a payment of {$1000.00} on XX/XX/2018. I agreed to this arrangement because I was scared of getting my wages garnished, even though I have never had any agreement with JPL Recovery Solutions and JPL Recovery Solutions has never given me any documentation showing that I owe them anything. I later received legal advice, and learned that JPL can not legally garnish my wages without a court judgment and order permitting it to do so. JPL lied about the amount I owed and also told me that I had to agree immediately or face garnishment. In fact they aren't allowed to garnish my wages at all.
Signed up for Citigold XXXX XXXX AA miles promotion. Completed all the necessary requirements and was promised points numerous times by several employees via phone and secure message. I was told the points would post no later than XXXX, it is now the end of XXXX. I am incredibly frustrated and all of the cases that have been opened from my phone calls have mysteriously disappeared. Citi has NOT delivered on their promise. Incredibly frustrated, and a shame that they treat loyal customers this way.
We are receiving letter of intent to foreclose on our home due to county PVA department and Kentucky Land Title 's mistake that was made on taxes owed on our property.
On XX/XX/2018, I contacted Wells Fargo to ask if my ARP on my credit card could be lowered. The first customer service representative stated, " We can not lower your APR because it's against the law. We must charge you what the APR was on your original application. '' My APR is listed as variable.

I called Wells Fargo back the same day and spoke with a different customer service representative and asked what law will not allow my APR to be lowered. He stated, " The government. '' Is Wells Fargo prohibited by law from lowering a consumer 's variable APR in California? 

Thanks.
XX/XX/XXXX : {$1600.00} interest fee was added to my remaining balance. 
was told that i just needed to pay the suggested amount at minimum when i first applied for the card. i have continued to pay the interest and more every month, since getting the card. lately ive paid the minimum, but they sent me a notice lowing my credit limit on the card, then they added the interest bringing the card into the negatives. 

none of this was explained or detailed at the XXXX  store which is now out of business.
Equifax fails to remove the XXXX XXXX XXXX XXXX account. Equifax reports incorrectly that this account has a balance {$11000.00}. Equifax reports incorrectly this account 's date of first delinquency. Equifax continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
I contacted them first, stating i will take care of this when i am able too and I updated my current information with them. I was going to set up a payment plan with them but a very pushy woman wanted me to pay in full at the moment, which i could not do. She then called my work, I told her I can not speak on the phone at work, if this place ever calls my work again I will take legal action on them. They call me repeatedly during the day to where it is harassment. It got to the point where I had to start blocking them, but they would call me under different numbers. They have became so harassing and pushy that I have been ignoring the debt. I did contact them first to get it resolved, but now after this I will go thru the company I owe the debt to personally and pay it. This morning they called me at XXXX, XXXX, XXXX, and its only XXXX now! I cant imagine how many more times they will call today! I will end up blocking this number as well! I know they will find a new number to call me on though! I work full time and to get these many calls during my work day is awful! I will take legal action on them if I need too!
I called Ocwen Mortgage to lower my payments, they offer to lower my payment but failed to inform me my mortgage would be for over 40 years. At the time of my request I owed approximately 90,000 on my home. That was in XXXX or XXXX, now I owe over 144,000 and my house note over {$1200.00}. My house is only worth XXXX. I feel like Ocwen has taken advantage of me.
I purchased a riding lawn mower from Home Depot using the Home Depot Credit card with no interest if paid in full within 24 months. The lawn mower was defective and caught fire. The company reimbursed Home Depot the full amount, Home Deport credited the account {$1800.00} on XX/XX/2015. However Citibank who is the card issuer did not apply the amount to the no interest purchase and have now added the full interest amount to my credit card.