WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX, I submitted a complaint previously against Ocwen Loan Servicing, my loan # XXXX. My complaint to the CFPB is case # XXXX, Ocwen replied to my complaint stating that they offered me a proposed mortgage modification with a balance reduction in XX/XX/XXXX and that I did not respond to the trial payments offered to me. Attached to the response was a copy of great offer that I never received by mail. I would have taken that offer! According to the response, I missed my chance and now my home went to sale XX/XX/XXXX. I objected to the sale and I am awaiting a hearing. Since XXXX XXXX XXXX, I disputed Ocwens response on the CFPB portal and I have not received a response to my dispute as of today, XX/XX/XXXX. My case is currently open and certificate of title has not been issued back to the lender. In my dispute, I explained to Ocwen that I never received the offer, and I wanted to know how they can say they sent me the offer without any proof of certified receipt and how they can give me a modification in XX/XX/XXXX when at that time I did not even fill out a modification application? I called Ocwen direct, and they had no record of an application that was filled out by me, and they have no certification of proof it was sent to me because they claim it was sent by regular mail. In my initial complaint with CFPB I also posted theemail exhanges I had with the plaintiffs attorney regarding a resolution by loan modification days before my trial on XX/XX/XXXX. The Plaintiffs attorneys asked me how I would like to resolve the matter and gave me a choice of loan modification. I immediately responded that I wanted a loan modification the same day on XX/XX/XXXX to XXXX XXXX, Contested Paralegal to XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I never got a response back since then. All I want is a fair modification to keep my home, but I am not getting any responses regarding this matter from Ocwen or Attorneys for Plaintiff, XXXX XXXX XXXX case XXXX XXXX. I could not respond to a loan modification offer I never received and I would like to get that offer from Ocwen again. 
Please respond on this site. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Fl. XXXX, phone XXXX. XXXXXXXXXXXX
I have been subject to fraud for a few years now. I am XXXX years old and have a history of issues since I was XXXX with the use of my name and ss # to obtain credit. Someone other than myself in XXXX and XXXX  applied for credit to several places. Some of them multiple times. I have only applied for credit 2x in the past 3 years. I have sent countless letters and have called numerous times to get these inquiries removed. I have sent letters to the companies and they all have promised to remove the inquiries within 60 days. They have all said that they will send the request to all 3 credit companies to remove. Nothing ever happens. In XXXX all of my inquiries were removed via XXXX XXXX but then they mysteriously came back and it has been non stop every since. I would like these inquiries removed once and for all. I am in the XXXX and I do not spend a lot of time in the states and while I am here I would like this to be taken care of. It has been months and I have had no response from XXXX on the countless requests.
1 ) XXXX XXXX indicated that my last mortgage modification would bring my loan current to XX/XX/XXXX. My loan was brought current to XX/XX/XXXX. This was escalated for resolution and has yet to be resolved. 

2 ) I wrote a letter indicating issues with my mortgage modification and that I wanted to proceed with a Bayview in-house modification, and I sent in the request for resolution within 30 days after signing ( the instead offered and accepted HAMP mortgage modification ) documents to indicate issue. This has yet to be resolved. 

3 ) I sent in all documentation requested of me by XXXX XXXX ( and XXXX XXXX ) and communicated regularly with employees at Bayview Loan Servicing to indicate my intention to avoid foreclosure. I have complied with sending any and all documentation requested to qualify for work out options. This has yet to be resolved as work out options have not been communicated to my attorney ( to the best of my knowledge ). 

4 ) XXXX XXXX told me in recorded phone conversations that I would be eligible for a repayment plan, and then would n't get back to me until after my mortgage was referred to foreclosure attorneys at XXXX XXXX XXXX XXXX XXXX attorneys, resulting in thousands of dollars of extra fees that included payments due that were to be deferred in my principle balance, and then authorization was given twice to proceed with scheduling a foreclosure sale of my home. This is dual tracking in Minnesota and extremely poor business conduct, which has led these issues being addressed today. 
I am submitting this complaint to indicate that I am still trying to resolve these issues. 

5 ) My attorney has requested all work out options available to me from Bayview Loan Servicing,  and has yet to receive these options, to the best of my knowledge. Please send them. 

6 ) I am trying my best to work with Bayview to collaboratively avoid foreclosure, which has been my stated intention all along. It is in the best interest of everyone involved to avoid foreclosure of my home. I request resolution of these complaints and ask for any and all assistance. 

Thank you.
I called the XXXX number Coinbase posted on XXXX and did everything they asked me to do and they have a criminal working for them and thus were able to steal my XXXX balance. They did not send you the emails I sent them so you could make a good decision. 

You closed my complaint and I did not want it closed until they admitted that their employee enabled my funds to be stolen. I want a full XXXX refund now.
I have an issue with my card membership through XXXX and American Express, and the partnership that is being severed between the XXXX. I got the card due to the benefits through XXXX and rarely use it elsewhere. I have other credit cards that I use for day-to-day expenses. I feel compelled to keep the AmEx, though, because it 's the card I 've had the longest, so I do n't want my credit to be negatively affected by cancelling it. Essentially, I will be forced to pay the AmEx membership, even though I wo n't use it due to lack of benefits just so I can maintain my credit rating. These types of " partnerships '' between retailers -- a " wholesaler '' in this case -- and credit card companies seem to force people into situations that are n't fair. Maybe I 'm just venting but I think AmEx should allow card holders to keep the card without paying an annual fee.
We have paid all our medical bills with XXXX XXXX XXXX, forcing us to close our Retirement accounts in an attempt to avoid a negative impact on our credit We call Central Financial control to dispute a medical bill. 
Despite the ruling by CFPB, Consumer never received a debt validation notice. 
We called to request a debt validation notice. 
According to the ruling against Central Financial Control, '' The company will pay {$100.00} to consumers who were never sent a debt validation notice and did not make any payments to the company.
My mortgage is currently being handled by SLS beginning on XXXX 2015, prior to this it was being handled by XXXX. On XXXX XXXX, 2015, I sent XXXX a letter requesting to remove my escrow ( homeowners insurance and property taxes ) from my mortgage. They refuse to do this and claim that I need a professional appraisal and state that my loan to value on my home is 91.15 % which is erroneous. I will be attaching proof ( Comparative Market Analysis done recently on XXXX XXXX, 2015 on the neighbor 's home and a Comparable Properties Report including my home ) both of which show that all the homes in my immediate area are in the $ XXXX value range. I currently owe less then $ XXXX on my home, therefore making the stated LTV by SLS incorrect. 
I am asking for your assistance in removing my escrow account from my mortgage since my numerous attempts with SLS have been unsuccessful. 
I am going to attach all correspondence with SLS and the escrow account disclosure statement.
On XXXX XXXX, 2015 I called into Bank of America to stop a payment on a check that I had written because I did not have the funds in my account to cover the check. The check was created using the Bill Pay system and had not yet arrived to the merchant. The rep I spoke with entered some information and said it was done. 10 days later on XXXX XXXX, 2015 I checked my online bank account and noticed I was overdrawn XXXX because Bank of America decided to not stop the check and then charged me XXXX in overdraft fees. As the time as progress Bank of America is still charging me overdraft fees even though I made a deposit of XXXX to cover my fees. After making a deposit my account was XXXX. The very next day on XXXX XXXX, 2015 I was charged another XXXX because my account was overdrawn XXXX.
On  XX/XX/XXXX , I contacted   XXXX   directly at  XXXX , regarding an account that reflects as  XXXX   XXXX   XXXX  on my credit report. I advised the individual that this account was paid in  XXXX  and according to their own report the last date the  XXXX  received an update from the data furnisher the account was opened  XX/XX/XXXX , and the last date reported was  XX/XX/XXXX , which reflected a current balance owed of {$810.00}.  <P/> This balance was paid in  XXXX , and I have advised both  XXXX  & the original creditor via letters ( by mail ), disputing it on  XXXX  website & through  XXXX   XXXX . I have sent  10  letters starting in  XXXX  and the last three I sent were in  XXXX ,  XXXX  and  XXXX  of  XXXX .  XXXX  at no time investigated the item, they only sent me a copy of my credit bureau.  <P/> In each letter I indicated the account had ben paid off, and that they needed to update the account. Subsequently as a result of   XXXX   negligence, I show I have a 31 % credit usage, and I have been denied credit, as well as charged higher interest due to the increased DTI. By  XXXX  own records including this {$810.00}, I am using {$2100.00} out of the {$6900.00} available credit on my credit cards.  <P/> If  XXXX  had updated the file in  XXXX , as per my request by letter and the dispute process I would only be utilizing {$1300.00} out of my {$6900.00} available credit, which drops me from medium risk at 31 % to low risk at 19 %.  <P/> On my last phone conversation with   XXXX   on  XXXX / XXXX / XXXX  at   XXXX   XXXX  . C.S.T., I advised the representative I had a certified letter from the data-furnisher stating they have requested the account removed. I provided the name and phone number of the individual at the data furnisher, and the representative said they would contact the data-furnisher to verify the information. When I spoke with   XXXX   later that day at   XXXX   XXXX  . I was advised they did not contact the data-furnisher and would not do so.
Reference Complaint ID : XXXX. XXXX XXXX failed to provide investigation results to the consumer. XXXX is fraudulently reporting missed mortgage payments on my credit report during a period in which they did not own the loan. XXXX XXXX and XXXX are both reporting missed payments during the same time period. The servicing of your loan is being transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX will stop accepting payments received from you after XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX will start accepting your payments on XX/XX/XXXX. I am getting " double tapped '' by two different mortgage servicing companies. XXXX practices illegal credit reporting activities.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Third party compa ny (    XXXX   XXXX   ) gets delayed " current balance '' information, hindering money being electronically deposited.
As of X/X/17 Equifax credit reporting had a massive data breach of potentially every user with a credit scores personal information including name, address, social security number, and date of birth. More than enough information to allow for identity theft of every user. After discovering the breach rather than immediately reporting they waited a week and executives sold stock in a blatant attempt at insider trading before the fallout of thge breach.
Wells Fargo Home Mortgage transferred my mortgage to Wells Fargo XXXX of 2015 the account is showing a XXXX balance but now I have a 2nd entry on my credit report that is reporting currently and up to date on my credit report as a modified conventional loan for 34 months which is exactly the same as the time the loan was transferred on 2015. I am not sure why one mortgage is reporting twice on my credit report I have never missed a payment and the other account has a numerous late payment
I was working with Option Funding on refinancing my home loan. We told them that we wanted a loan with the terms that we pay twice a month rather than once a month. This would reduce our principle faster so our 30 year loan would be paid off early. They agreed to find us a loan with these terms. 
Once we signed on the loan we found out that the loan was not set up this way and the lender would not make this change since this requirement was not stated in the terms of the loan. I informed XXXX XXXX at Option Funding and they said they would call the mortgage company to fix this. They said I could just make an extra payment at the end of the year but this is not what we agreed to when we signed up for the loan. 
During this time the original mortgage company sold the loan to another company who stated they would not make any changes to the loan since the terms were already set. Option Funding said they would try with the new company but never got back to me and is no longer taking my calls.
University of XXXX is illegally reporting on my credit report and pushing forward dates of last activity. ( Date of payment ) This is allowing them to keep it on my credit report when a private student loan is supposed to be removed from 7 years of last payment. This has been opened since 1998 and needs to be removed from the credit report because it is a clear FCRA Violation.
I contacted Experian on XXXX XXXX, 2016. I disputed items on my credit report and asked that the items be corrected and updated. I called them on XXXX XXXX, 2016 and spoke with a representative as well as a Supervisor and asked them to remove the items due to the Fair credit Reporting Act as to there failure to respond in a timely manner.
Good Day, I received the attached letter from the XXXX XXXX XXXX, informing me of a credit score. I am not aware of any credit issues, and I would like to receive a copy of the Credit Report. 

I have tried on line, as well as via telephone, however, i am unable to process my request, as I do not live in the US, and therefore do not have a Social Security #. 

Is there another method for me to obtain the Credit Report, without having a Social Security #? 

Thank you. 

XXXX XXXX XXXX XXXX XXXX
I do owed a pay day loan they been harassing went to my mom house and when I talk to them said I do n't pay this amount we will at go to your employment I do n't want to pay a company money that a scam and threatening me I want to make sure it going to that company
In 2010 I received a check from an attorney in XXXX from my brothers ' estate for {$30000.00}. He left each of his siblings this to take care of ourselves. My favorite store in XXXX was only XXXX blocks away from me and Chase bank was conveintly in the store. I opened an account with them, within a week I had {$2000.00} stolen by a young female employee. I was on a trip with my family when I realized what had happened. When we were dropping my grandson off in XXXX Chase bank told me I had no money in my checking account. I had {$8000.00} in my checking account when I left XXXX. When I returned to XXXX I looked at my statement that had arrived while I was gone and there were XXXX deposits of {$20.00} each put in my account that was done by an unknown person. I called Chase bank security and was told to hurry to the bank and talk to the manager there. I did and he was totally unconcerned and that made me suspicious. I have been trying to get help to get my money back, I have medical needs and no money to take care of them. I estimated that the bank has stolen about {$10000.00} from me in my checking and savings accounts. I was also told by other people that this happened to them at the very same bank. No one in their bank security dept has listened to me.. This is Chase bank on XXXX. My documents are in storage in XXXX. and when I go to retrieve them, I plan on suing
I was a account holder at wells Fargo for many year, before I decided to apply for a credit card. I was not approved for a regular credit card, but I was approved for a {$400.00} secured credit card on XX/XX/XXXX. Around XX/XX/XXXX they allowed a car rental place to over charge my secured credit card. And closed my card immediately. When I called them they said you went over your limit. So I asked them how? They told my the car rental over charge me and there's nothing I can do to reopen the account. And when I tried to pay they deny my payment. And once I did pay the account in full. I never received my {$400.00} back plus I payed the total amount. They made me pay a {$1000.00} plus they took my {$400.00} from the secured credit card. Because they did not applied it the bill amount.
I have mailed correspondence to Experian in XXXX and XXXX to dispute inaccurate information on my credit report without success. Experian has not responded to either correspondence and I attempted to submit a dispute via online but the site is so confusing to navigate. I have credit monitoring and Experian is still reporting inaccurate negative information and will not remove it. It is affecting my credit score.
I have XXXX accounts reporting from amerifinancial solution on my credit report. Ameriinancial bought this debt from XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). i do not owe neither one of these companies and this  inaccuracy on my credit report need to be deleted. Under the Fair Debt Collection Practices Act, I have the right to request a validation of this debt. I request amerifinancail solutions prove that I am indeed the interested party who is contractually obligated to pay this debt to them.Do not send me a bill send me a copy of the contract i have with them and the rights they have to hold my name, ssn, date of birth, and address with their company.A copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract.
Plan  of Reorganization ( the " Agreement '' ) was  approved by United States Bankruptcy  Court  effectively   XX/XX/XXXX . I  am now on my  3rd  servicer effective   XX/XX/XXXX .   The first two servicers,  XXXX  and Seterus, respectively refused to acknowledge or abide by the  Agreement  as set forth. The have returned payments, refused payments, sent inaccurate year end reporting and escrow accounts in spite of persistent emails, phone calls and direct mail correspondence outlining specifically the agreement. I have been unable to sell the property because they have refused to give me a payoff amount. I cant afford my Bankruptcy attorney
I previously sent American Express a letter stating that I had extenuating financial circumstances regarding paying my account back in full and sent a letter back in XXXX stating that I can pay XXXXmth and sent a signed letter to the following fax # ... ... I did not receive any indication from them that they will charge me {$110.00} per month in late charges. It is as if this a retailiatory tactic being utilized to hinder me from lowering the amount due. I explained that my family is experiencing a financial and economic hardship and recently my youngest sister was hospitalized for 34 days in the hospital due to a XXXX and a XXXX XXXX XXXX XXXX. I am requesting assistance on the late fees as I have been paying {$100.00} per month on the account and had previously requested the option to pay over time before the closed the account back in XXXX based on some retailiation with my mother utilizing the account who also raised concerns to CFPB on another Amex account matter as an authorized user. We are experiencing a very difficult time financially as a family and I am requesting assistance regarding this matter.
Hi, I initiated the fund of {$250.00} transfer at OFX to a bank in XXXX from US on XX/XX/2017 They have transferred the fund. 
After a week, the fund still did not arrive the account in XXXX, and I found out by calling to the bank in XXXX that I missed the last digit " 1 '' attached to the account number, thus it can not be received. 

I contacted OFX to correct the mistake on XX/XX/2017. 
They stated, it will be corrected in 2-3 business days. 

On XX/XX/XXXX, I found out the fund was still not received, and contacted OFX. 
They could not locate where the fund is, after 2 e-mails and 1 phone call. 

As of XX/XX/XXXX, they sill do not know what happened and where the fund is.
In XX/XX/XXXX I obtained a mortgage from Suntrust. The loan balance to home value in XX/XX/XXXX has reached 78 % as of XX/XX/XXXX ( XX/XX/XXXX payment ). My understanding is that the PMI would automatically be dropped. It was not as of my XX/XX/XXXX bill. I made a request to confirm PMI removal in XX/XX/XXXX.. Never got a response.I called Customer 'Service ' and was told that if I made any additional principal payments it would change the date PMI could be dropped THEN I was told that XXXX XXXX would still require an appraisal before they would allow PMI to be dropped. It seems to me that it is not 'automatic ' first if I must make a written request and then that XXXX XXXX would require an appraisal ... ... ... ... ... .exactly what is " automatic '' about that? I have no documentation as to who exactly is requiring the appraisal ( or anything else about how XXXX XXXX will receive the information and what exactly they do when they have it including time frame ) I only have the comment from the customer service rep. I do not know what the legal requirements are or where to find them. I do not want to go on paying almost {$60.00} per month if I do not have to and am really disgusted with the lack of clear and timely information in writing ... ... ... .what is really legally required?