WillisBack/dataset-financial-user-claim huggingface dataset:
OCWEN LOAN SERVICING LLC has stolen and used my identity to purchase insurance and pay property Taxes using my Name, Identity and property without my Consent or Authorization. 
They Claim that a Foreclosure happened XX/XX/XXXX by XXXX XXXX XXXX. so why is their an account # XXXX XX/XX/XXXX with my name, social security number and Private information being used to pay Property taxes and Property Insurance?
On XXXX XXXX, 2016 I called our mortgage company, ditech XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX ), to ask them the procedure to have the PMI to be removed from our mortgage payment. I was advised to write a letter asking for the PMI to be removed and giving authorization for an appraisal and told to fax it in. I faxed it in and received confirmation it was received. I was told I would hear back within 30 days. 
I never heard back and have called every month since ( XXXX ) the staff at ditech are very nice but they continue to tell me they do n't understand why the Escrow Department has not contacted me to set up an appraisal. I have asked to speak with someone in the Escrow Department and have been told that department does not take calls. I spoke with a supervisor and she has tried to help but I am still getting nowhere. 
The home values in our area have increased significantly and I would not be asking for this PMI removal if I did not know it is not justified at this point. 
Your help in this situation is appreciated. 
XXXX
At the age of just XXXX I was already being pressured into a student loan. I was not considered an XXXX although I did not have contact with family and was supporting myself financially. I agreed to a student loan with XXXX / Navient. After a few academic semesters I had to choose work over school as I was my sole income. I explained this situation to XXXX many times. I was often called and harassed to make payments of {$220.00} a month on a total balance of {$3500.00}. This at the time was not physically possible for me to do. I was never offered an option for income-based loan repayments. Instead I was offered forbearance twice for a total of XXXX year. After this I was still unable to make those high payments. My loan went into default and after years of begging to make $ XXXX monthly payments rather than no payments I was denied. I could n't even go back to school to possibly defer payments since I was in default. This in turn ruined my credit at a very early age which caused me to accept unethically high APR on auto loan and to be denied credit for many instances. It was only XXXX years ago that I entered the XXXX XXXX program which allowed me to get my loan out of default. Once again they wanted payments in the amount that I could not afford. I was forced to extend my loan out by many years just to afford payments. Not to mention the incredibly high fees for having transferred loan between lenders and collections. This small student loan will end up costing me more than double the amount I originally borrowed. It has taken me years to semi-repair the damage.
I made a wire transfer from a US Bank of America account to a XXXX account for my son and daughter in law. The amount of the US dollar transfer was {$18000.00} ( which is a lot of money to them ). The amount that was credited to their account was {$16000.00}. 
I went to my local branch at BofA and spoke to the manager regarding the transfer. I was told that I made the transfer in XXXX ... the exchange rate was COMPLETELY unfair {$1.00} = XXXX I was unaware that this exchange rate was well below the typical rate in XXXX {$1.00} = XXXX ... XXXX ( I found this out afterwards ) This transaction of exchange cost over {$1300.00} and the overall charges exceeded 7 % of the total sent. 
This seems to be sooooooo unfair and in all honesty taking advantage of a naive consumer. It really gives banks a bad name. Where did that money go? 
I am hoping that you can help rectify this situation as my hands are tied. 
Please review my case and advise if their is any hope that we can receive some money back? 
I will be happy to give any additional information needed. 
Thank you, XXXX XXXX
Approximately XXXX or XXXX XXXX, I called Bonneville Collections to pay what I owed with them. I was attempting to get a mortgage and the debt needed to be paid. I asked them if I was paid with them and the operator responded that I was paid. I never heard from them again. 
Fast forward to XXXX XXXX, I called on a separate issue and was then told I owed a few hundred dollars from an account in XXXX! I was never told about this, never billed. Now they want interest paid when they never billed me and told me I did n't owe anything! 
Now they 've reported these accounts to the credit bureaus before responding to my dispute, before giving me a chance to rectify this situation.
Equifax has re-inserted fraudulent accounts on my credit report that have already been deemed as fraudulent and need to be removed. It is against the law for them to be re-inserted : 1. XXXX XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX XXXX # XXXX
Having a balance of XXXX on this payday loan, I had recurring charges of about {$30.00} scheduled to come out of my account. ( Debit first, then checking if the debit card declines ) I submitted an additional payment of {$70.00} to pay off the balance. The rep told me that after the {$30.00} recurring payment cleared that it would be paid in full. 
My loan agreement states that it should be withdrawn from the debit card first, checking account last. 

The rep agreed, noted, and informed me that {$30.00} would be withdrawn from the account, to clear the balance. 
The company processed an ACH debit payment instead of it being from my debit card so that it would accrue interest. 
I noticed a new bill of about {$50.00} and I called to find out why. 
The rep explained that it was processed through my checking account. And that it did not clear due to insufficient funds. 
I explained that the withdraw was supposed to be done through the debit card. We went back and forth debating our points to which She stated that her supervisor would clear all of the interest on the account after the payment if {$30.00} was processed! At the end of the call the rep made it VERY CLEAR that all I needed to do was call in after the payment of {$30.00} cleared yet again, and the remaining balance ( interest ) would be removed via the supervisor. 
The following day {$50.00} was withdrawn from the account. 
Customer service rep stated she could see the notes from the previous representative that I spoke with about the {$30.00} payment being processed and the interest being removed and that she was going to get a supervisor. I got transferred to customer relations who informed me that they processed a payment for {$50.00} even after I spoke with the customer representative from the previous day. But that they could not see the notations from the customer service department. 
No refund was issued. 
The company processed a different payment than what was authorized.
I was contacted by an unknown number from a man claiming to be a private process, XXXX The claiming private investigator called me multiple times in a row ) I was given a phone number to call ( XXXX ) with a reference number XXXX. I contacted National Recovery Services was transferred to a XXXX XXXX who then said I had a case number- I was never stated the Mini Miranda. XXXX XXXX threatened Legal action stating I had a litigation case in the morning for {$470.00} for an account that was 9 years old. ( payday loan 2006 ). He said that someone would be coming to my house and I had court in the morning and was being sued. I told him I am disputing this debt and wanting validation, he told me its already went to other agencies, its pass that point. He told me I could stay out of court if I paid the Pre-litigation balance. XXXX {$470.00} ) I told him the account would be out of statute, he told me know because I wrote a false check, I told him I wanted to see the validation, I did n't know what this was for. He said he was going to sue me, XXXX XXXX Hung up the call.
XXXX XXXX  posted two negative accounts on my credit report for a student loan that I don't know anything about. The first time when their representative called me to pay XXXX for student Loan, she asked me for my birth date. I said I don't have any account with XXXX I never signed any application form for student loan with XXXX. Please, send me the application form that I signed for Student Loan with XXXX. 
The second time, I spoke with XXXX from XXXX. XXXX asked to send my signature to XXXX. I sent the color copy of the first page of my valid passport with my signature, the color copy of my social security Card with my signature and the copy of my driver license with my signature. 
After receiving those copies, XXXX told me they need a more recent copy. I said I do not have recent copy. 

Despite my effort, XXXX is keeping two negative accounts on my credit report. I think It is predatory to mess up the credit report of a customer without verification Thank you, XXXX XXXX
In addition to my complaint on file XXXX, the town has responded via email. XXXX XXXX from the XXXX tax collector : " Good Morning XXXX, Per your request after our telephone conversation today, I am attaching all documents concerning the tax abatement and refund to the above tax account XXXX. 

This refund request will be submitted at the XX/XX/XXXX monthly City Council Meeting where it is most certainly will be approved. This will produce a physical refund check that will be mailed to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

The check should be mailed out of our office approximately the last week of XXXX or first week of XXXX. 

As you can imagine, XXXX is a tax collection month which keeps our office very busy and refunds of abatements and overpayment 's follow. 

If you have any questions, please feel free to contact me. " On numerous phone calls I was advised by XXXX XXXX that their abatement department would be reaching out to the town of XXXX but to this date they have not made any efforts. In addition, not sure if this matters but the vehicle was returned on XX/XX/XXXX which I have receipt of from the dealer. Thank you.
I use XXXX for credit card processing services. They separately contract materials such as the credit card terminal leases, etc., through the company First Data Global Leasing. Despite owning a terminal ( purchased in XXXX 2015 ) and upgraded for chip capability, First Data called stating I needed to lease yet another terminal. 

I trusted this and complied - signed a lease for the new terminal. About 2 months later, a rep for XXXX called and stated all was incorrect and after much wrangling with First Data managed to get the lease cancelled. She stated 'this happens all the time ' and that communication between the XXXX companies is 'not ideal '. 

However, the pymts made for the 'new ' terminal have not been refunded to me. I can not get through their phone system - always put on hold due to 'unusually high call volume. '
XXXX is reporting incorrect information about my business. It keeps saying it will send me a postcard to verify me but wont and I never receive it - it is sending my customers to the wrong address and I am seeking action now against them
Earlier today on my account i noticed a {$19.00} from a company i do not know of and just now received an email about a company i also dont know of checking out my credit score. Im getting aggravated because i dont know if someone has my information. This stress is unneeded for i am XXXX  and far along enough to cause an XXXX XXXX.
I got a letter in the mail on XX/XX/2018 from Radius global solution LLC that they are trying to collect some debt that I have never heard of. Contacted my insurance policy and they have never received any lab report from XXXX XXXX XXXX XXXX. The balance is way higher than it would cost with my insurance. 


I tried to reach out to them but their number bounces and the call wouldn't go through. 

Account # : XXXX XXXX XXXX : {$220.00}
My employer received a letter from a law firm to let them know about a garnishment against my salary, I was surprised by the news because I have never received a call or notification to contact me. 
I really I am trying to find out what was this debt the law firm has not clarified to me that it Belongs, so I proceeded to look for information and try to contact someone in XXXX but The company is no longer valid or open for business and The person whom I talked in the law firm does not give me information I proceeded to check my credit report it does not show any type of debt in XX/XX/2009 for the amount they are trying to collect. 

Thank you
Back  in   XXXX   XXXX   2 016      XXXX   XXXX   posted negative information on my credit history. I disputed with Equifax and the other  XXXX  credit reporting agency o n   XXXX   XXXX  , 2016, a nd the negative information was removed from my account o n   XXXX   XXXX  , 2016. E quifax gave me a confirmation #  XXXX  after deleting the negative information.   Afte r one year  the same negative information reappeared under different collection agency (  XXXX   XXXX   XXXX   ). Eq uifax did not send me any letter and did not help me remove the negative information. The amount in dispute is {$170.00}. All the credit agency also have many wrong addresses on my file. I was told I can not do it online but I have to call them. When I call the number provided, they phone keeps disconnecting and unable to reach a customer service rap. I never lived at  1 )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Colorado  XXXX   2  )  XXXX   XXXX   XXXX   XXXX   XXXX  CO  XXXX   3  )  XXXX   XXXX   XXXX   XXXX   XXXX  CO  XXXX
I have sent Certified letters to all XXXX credit bureaus to have this bankruptcy removed from my credit report and I have received the same response " This item has been verified through a third party reporting agency " I have a letter from the US District Court stating they do not verify to anyone.
My debit account on my Social Security payment Directexpress, to my checking account using elecronic transfer. Is some times taking 3 days or more. If I go into my bank I can get the money from Directexpress immediately, whats the difference, in time.
On XX/XX/XXXX, I called Loan Depot for general information about a refinance with cash out. The salesman told me he could not provide an estimate of loan terms without a credit check ( {$10.00} fee ) and loan application. I made it clear that I only wanted an estimate and was not committing to refinancing at that time. I agreed to fill out the application over the phone. When it came time to electronically sign some paperwork, I wanted to read the details of the documents. When I asked him what I was signing, he told I needed to relax. When it came time to sign a consent form to withdraw {$420.00} for an appraisal fee, I hesitated, as I did not wish to commit at that time. He insisted that he would never charge my card ( which was provided for the credit check ) until I had explicitly authorized him to do so. Even though the paperwork stated the funds would be withdrawn, he told me the withdrawal would take place at the time that I were to schedule an appointment. Furthermore, he stated that the fee would be {$300.00}, not {$420.00}. The following day, my card was charged {$420.00}. Instead of correcting what they called a " mistake, '' the salesman offered me a credit toward closing costs. I told him that was n't the right answer. He told me that he and his supervisor had both tried calling me to let me know that the withdrawal had occurred. His supervisor claimed that the withdraw was a mistake that occurs 2-3 times per week. On XX/XX/XXXX I sent an email to the salesman 's supervisor to cancel the loan and refund my money in full. On XX/XX/XXXX, the salesman wanted to know if I wanted to go forward with the loan. I sent another cancellation notice by email, which the salesman and supervisor both acknowledged. On XX/XX/XXXX, I received a second set of loan documents. On the same day, an appraiser visited my home while I was at work. The appraiser showed my wife documentation and ID. It was enough to convince my wife that I had ordered the appraisal. The appraiser did a walk-through of my home and took pictures. I contacted the appraiser that evening after finding out about her visit. She told me she was sorry and would resolve the issue with her company. 

In my opinion, if the withdrawal were truly a mistake, they should have refunded the money the instant they discovered it. I believe that it is a tactic Loan Depot uses to make potential customers commit to the process. The supervisor himself acknowledged that the Loan Depot is more aggresive than other companies. This salesman was pushy at times, moved through the process too fast, and was less than transparent ( told me APR was " moot '', for example ). Also, I was told there would be no out of pocket expenses for the loan. The loan documents I received by mail stated that {$2900.00} cash was due at closing ( document attached ). 

In a world where companies are pressured and encouraged to create accounts without customer authorization, I feel obligated to stand up for myself as a consumer. If others have had similar experiences with the Loan Depot, I encourage you to file a formal complaint as well.
This account was open in XXXX XX/XX/2008. I have never made a payment on this account and the name that appear on the Judgment is not my name. I have requested XXXX XXXX to validate this account many time Under FDCPA XXXX XXXX. Validation of debts [ 15 USC 1692g ]. I ask that this account be deleted from my credit report. Americash Loans LLC XXXX
Wells Fargo foreclosed on my home & the courts have sent me a letter indicating that the actions were within the bank 's right. I 'm being forced out of my home where i 've lived for 16 yrs with my late husband of 30 yrs. My husband passed away 2 yrs ago XXXX XXXX, XXXX. I 'd taken total care of him here at home for almost 7 yrs due to XXXX caused by XXXX XXXX XXXX in XXXX. He had a reverse mortgage & I am his spouse without any options for shelter! I 'm almost XXXX yrs old & I suffered a XXXX as he lay XXXX in the hospital 2 yrs ago.Pls Pls Help Me!!! We were a dignified family who worked extraordinarily hard for our family. My XXXX did business with XXXX XXXX, XXXX XXXX XXXX & other notables such as XXXX XXXX XXXX XXXX formerly of XXXX XXXX Bank. Something is very unethical about this process. I do not feel that anyone attempted to assist me in keeping my home. I have a right to maintain my home & dignity. My health declined tremendously after his death. Attached is a copy of the order from the courts. I 've been trying to secure relocation assistance from XXXX but have only been offered {$1000.00}. I 've lived in the area for over 40 yrs & I do not want to ever leave. I believe that my current President would not agree with such actions against someone who worked so hard to build businesses. I feel victimized & discarded. I 'm born & bred in America. My husband was XXXX. I own nothing anymore!!! Pls help me to keep my home! I am just beginning to come out of the worst nightmare of my life! Thank You. XXXX XXXX XXXX Case number : XXXX from the XXXX Court XXXX XXXX XXXX XXXX XXXX.
My personal identifying information was exposed in the Equifax data breach. I am listed as a potential victim on the equifaxsecurity2017.com website and would like a resolution. I had to pay {$10.00} each to XXXX and XXXX to place a freeze on my credit reports with those bureaus ; I froze my credit with Equifax as well, it was offered for free. The problem is that the PIN to unlock the freeze for each of them may be reset with the same information that was leaked in the data breach.
I had an insurance loss to my property on XX/XX/2018. XXXX XXXX my insurance provider took sometime in paying the mitigation part of this claim. It has been twenty five days that this company have been paid. I signed a contract with them stating that they would be paid with in five days, which they allowed me two weeks. The payment got to me from XXXX XXXX and I mailed it to my mortgage company. This was to be a non monitored claim. After submitting the two payment to the mortgage company, I asked if they could expedit this so I would not be charged the late fee and the default in payment fee. However later this afternoon I was informed that the amount of the check was over ten thousand dollar that I would have to send in a adjustor report. I would not have a problem with this, but there is not one, and they know this. The adjustor paid off of the contractors report. So now I'm stuck paying the late fee, and default payment. I explain to them that I don't have this type of money and that they need to send the check. She just told me to call back in the morning. WHO is going to pay this amount? I feel that I'm not responsible for this amount.
I had my attorneys send letters to all 3 CRA for the following accounts and agencies ... 
Equifax 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX 3.XXXX XXXX 1.XXXX XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX XXXX 1.XXXX XXXX XXXX XXXX 2.XXXX 3.XXXX XXXX XXXX ...

Requesting verifiable proof of these debts in accordance with the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ) ...
The Company Coinbase Has Been Holding My Money For About 3 Weeks. 
I Have Been Trying to get a hold of it and does not seem to work. I emailed them. no response. called them. no response. I am now reaching out to you guys because they refuse to give me access to my personal account. please help
A friend in XXXX sent a {$500.00} wire transfer from his XXXX account in XXXX to my Capital One account. Wire was completed on XX/XX/2018. 

As of XX/XX/2018 the funds have still not been deposited into my account or returned to the originator. Capital One just says that the transfer is " under review '' with no way for me to rectify the situation. I have not received an email, letter or phone call notifying me of this delay. I have had to call to get any information. 

I understand that there can be delays but holding onto an account holders money for 3 weeks seems excessive - especially given that the dollar amount is so low. It also seems that there should be a requirement that the bank provides notification of this delay but there has been zero communication coming from Capital One.
For four years, Experian has prohibited me from accessing my annual free credit report through the XXXX website. This has happened ever since I moved to my current address in XXXX. The refusal statement I received this year ( XX/XX/XXXX ) read : " A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. 

XXXX XXXX XXXX Request Service XXXX. XXXX  XXXX XXXX, GA XXXX '' In XXXX, XXXX and XXXX I requested in writing that Experian correct the issue preventing me from accessing my report online when I requested my report using the address above. They have consistently refused, thus I am requesting CFPB step in to assist me with correcting whatever condition ( Experian has refused to disclose ) is causing the issue.
I have been working with my student loan servicer FedLoan Servicing ( Pennsylvania Higher Education Assistance Agency ) to obtain my {$17000.00} XXXX loan forgiveness for being a 5 year XXXX at a low income XXXX. I had to submit the application about 6 or 7 different times, each time the loan servicer would find something entirely different than the last as being " incorrect '' or " missing ''. Finally, on XX/XX/XXXX/17 they agreed that my application appeared complete and they forwarded the application to the Department of Education, however, it has now been over a month and I 've still not heard anything as to the status of my Forgiveness. I 've inquired multiple times with them via the email feature on their website, only to not receive any response. Because of the multiple delays on all of my applications, I 've been charged interest on the {$17000.00} balance that should have been approved almost a year ago. Any help on this situation is greatly appreciated!