WillisBack/dataset-financial-user-claim huggingface dataset:
Its my American Express Gold Card Ive had since 1994. I reported thousands of dollars in fraudulent charges in as much I never used the card for certain specific reoccurring transactions that kept appearing on my statements and I have never authorized anyone to use my card. The result was simply issue me a new card and they only went back a few billing statements when the fraudulent charges went back a lot farther. My bill became unmanageable to pay as was requested and Ive now signed an agreement with a debt settlement company to mitigate the outstanding debt with American Express. They would not accept my updated address to send information to and were very rude to me as a customer of over 20 years : my address for their records should be XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX. They only accepted my updated phone number but nothing else and also just cancelled my account and a second account that was in good standing! What kind of racket are they running? Ill never utilize their services ever again and will tell anyone and everyone what theyve done to an old client.
The reason for my complaint is a couple years back I had XXXX bank accounts never bounce a check went over draft or anything I lost my job and applied for a XXXX job for some income until I get a real job so I was told to cash the check they sent me and do Wat I was told like shop at a store and give feedback. I did so but just XXXX the process I found out that it was a scam. I called my bank to advise them of the situation and I was told I needed to wait for the check to cash XXXX so I did the next day I called the bank to see what I can do about the situation and they told me unfortunately they had to place a check fraud under my name. And I could n't do anything about it for 7 years. XXXX off I called the bank to advise them of the situation and the fact I was not aware it was a fraud before the cashd itit. XXXX of all I was never arrested or convicted for that either. Which I should n't have cause I was in contact with the bank advising them what hAppened all I want is a bank account so I can deposit my money. I do n't think I was treated fair in this situation I need help please help me it was bank of America
I was a victim of identity theft and noticed a collection from Central Financial Control I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Central Financial Control in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
CFPB COMPLAINT XXXX XXXX XXXX XX/XX/XXXX This is regarding my residential Mortgage Management company for XXXX XXXX XXXX XXXX XXXX AZ XXXX. This loan was originated in XX/XX/XXXX by GMAC and transferred to them ( Ocwen Loan Servicing LLC ) a non bank mortgage servicer in XX/XX/XXXX Ocwen Loan Servicing LLC consistently refused to talk to me about lowering finance rate of 7 % FOR 9 YEARS.. They have a history of charging improper tax fees ; mishandling client mortgage payments and collections foreclosures. I was left out of XX/XX/XXXX major lawsuit, allowing customers to fix these problems due to lack of proper settlement notice. I now have 10 years of widespread errors, shortcuts, and runarounds. I urgently need to get my over charged interest rate lowered from 7 % to 4 % and I wish to have at least {$20000.00} of the {$62000.00} interest over paid, converted to the remaining principal of {$56000.00} as my settlement. This would be fair since I was left out in XXXX and reduce would my loan to {$36000.00} on an aging XXXX Double wide trailer home in a rural XXXX XXXX Arizona community near XXXX. Ocwen Loan Servicing LLC is currently under for investigation for THESE same types of problems addressed by the XX/XX/XXXX LEGAL SETTLEMENT, in a current XX/XX/XXXX lawsuit. I am a XXXX senior citizen on a fixed income, left out of this XXXX LEGAL SETTLEMENT. It is imperative that I receive CFPB DIRECT assistance in helping me deal with this. This is not a mortgage company. Ocwen Loan Servicing LLC is only a collections company, damaging good loans paid on time like mine. My XXXX XXXX XXXX loan was originated in a XXXX real estate bubble with GMAC acting as a Low Interest Loan rural provider. My Residential Home loan was transferred to OCWEN LOAN SERVICING LLC, without my consent or approval. OCWEN LOAN SERVICING. LLC, has recently contacted me urging me to refinance my loan with a Texas Mortgage company, the typical pre-foreclosure maneuver, obviously trying to get me off their books. Their failing Management Software operating under a separate Company, XXXX XXXX XXXX, will scramble my payment history of on time monthly payment like many others and may ruin my credit I have asked them for assistance in lowering my HIGH 7 % interest rate but I am very fearful of their practices, as documented fact in the XX/XX/XXXXSettlement. When a person with a Residential Loan asks for OCWEN help, OCWEN/XXXX  were found guilty of Data Base records losses and sudden swift foreclosing on many Residential home loans. Summary : The companies that I speak of are OCWEN LOAN SERVICING. LLC -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. -XXXX XXXX XXXX ( XXXX ), Delaware based Ocwen LLC Forclosure manager -OMS Ocwen Mortgage Services Business Location : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX USVI Established
My Amex account holder information was hacked allowing Amex to cancel my card, issue a new card to the person who hacked the Account Holder Information, closed my card. The person who Amex issued an unauthorized card has stolen through Gift Cards amounting to over $ XXXX- {$6000.00} per month, XX/XX/XXXX through XX/XX/XXXX. Amex express was notified however ; refused to protect me. My Amex Credi Card was opened XX/XX/XXXX. My Social Security number remains as the person responsible for this fraud and identity theft. XX/XX/XXXX I received a letter from Amex removing me from my own account, AMEX provided an unauthorized card to an unauthorized person on my account. Thus enabling over {$500000.00} stolen funds from my XXXX and myself. in Gift Cards and Other Transactions. Friday XX/XX/XXXX, one of the representatives were sending my case file to underwriting. However, I am harmed, my company has been harmed causing losses of almost {$500000.00} due to the negligence of AMEX
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
In XXXX of 2015 we received a HAMP modification for the XXXX XXXX damage to our property. This lowered the mortgage interest rate down to 2 %. The stress from the disaster eroded our marriage and we filed for divorce in early 2015 which caused us to miss payments. Our loan was transferred to Fay Servicing from XXXX XXXX who is a predatory lender. They said sign the loan modification docs or they will foreclose, they raised the interest rate from 2 % to 5.75 % in an attempt to make us abandon the property and sell it themselves. We are currently making trial payments at the higher interest rate but can not sustain them for much longer, please help.
Recording says that they are seeking information concerning a debt and to please call XXXX. The recording then stops. They call daily.
An attorney at the XXXX XXXX XXXX here in XXXX FL said that you are 'wonderful ' and would help me with this problem. 
In XX/XX/XXXX, I settled all my bills completely, and moved to XXXX XXXX for 8 months. During this time, XXXX started sending me on-line bills for my now non-existent cell phone which had been closed. I had to get a lawyer to deal with them, and XXXX XXXX XXXX XXXX. of XXXX, PA.was able to stop the harassment. 
On XXXX XXXX, XXXX, a collection agency called ERC sent me a bill from XXXX for {$300.00}, stating that my balance with XXXX remained unpaid. 
I believe that this is a fraudulent claim and that XXXX and ERC are harassing me.
We are in foreclosure with Nationstar/XXXX. We have been in a lawsuit against them for bank fraud that started with XXXX. But they have been ignoring the lawsuit and adding more and more charges including their lawyers fees on us. Even though the banks broke the law several times. They are ready to auction our home off with no remorse for their braking the law. Our refinance was a highly predatory XXXX where the XXXX banker did paper shifting and filed the loan with only one name on it instead of both of us. Also lying about the terms of the loan. Sneaking into it a only interest clause. Then XXXX took over. Our mortgage was so high, it was difficult so we asked for help and was refused. But the bank would call when we were late but would never talk to the wife. And would not explain why. Finally a man from XXXX started to work with ( husband ). The bank never called again. this man convinced him he would have a new mortgage soon and to just wait. But instead we had a note put on the door that they were selling the house. We found out that someone had gone into the XXXX call log and changed our phone # to an old XXXX from before we lived in this county. That way the bank personnel could n't do their job and get a hold of us. We have been waiting for them to respond to a lawsuit but instead they are not responding. They are just going to again put our house up for sale. Even our lawyer has nothing to say. Our XXXX lawyer did the discovery and found a great deal of bank fraud.
This is not the first time RoundPoint has taken service of this " loan. '' RoundPoint first took service of this loan on XX/XX/XXXX. RoundPoint, the current servicer, undertook the loan on XX/XX/XXXX. This loan continues to bounce around due to the servicers ' negligence to file the proper documentation with XXXX XXXX. agencies, specifically, the tax accessor 's office and property clerk 's office. 

Formally, I demand all qualifying correspondence between XXXX XXXX XXXX and RoundPoint to be made in writing to the mailing address provided herein. Only a certified letter sent by me to RoundPoint will reverse this demand. I am making clear my desire to have my mailing address and phone number updated with RoundPoint in writing, because an employee of RoundPoint failed to do so during a phone call made by the employee and subsequently received by me on XX/XX/XXXX at XXXX, which lasted 4 minutes and 52 seconds : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TN XXXX XXXX ( cell ) Transfer of Service And History of " Loan '' XXXX - XXXX took service of mortgage XX/XX/XXXX? -XX/XX/XXXX - Transferred to XXXX i. Issued XXXX Cancellation of Debt XX/XX/XXXX ii. XXXX filed on XX/XX/XXXX IRS Tax Forms on XX/XX/XXXX iii. Letter sent XX/XX/XXXX informing me the property taxes were paid by XXXX on XX/XX/XXXX. Sent by XXXX XXXX. Revenue Collections Department. ( XXXX ) XXXX. 

XX/XX/XXXX - Transferred to RoundPoint i. Agreement to Deed in Lieu of Foreclosure never sent for recording XX/XX/XXXX - Transferred to XXXX XX/XX/XXXX - Transferred to RoundPoint XX/XX/XXXX- 2 Phone Calls made to RoundPoint, established : Loan Number is : XXXX ( call on XX/XX/XXXX at XXXX ). 
Correct mailing address was given during phone call on XX/XX/XXXX from XXXX. Wasnt updated in the system. Updated mailing address during call to XXXX on XX/XX/XXXX at XXXX. 
Requested welcome letter. Never received one due to negligence and failure of RoundPoint to update address during phone call made by RoundPoint on XX/XX/XXXX. 

As seen in the timeline, XXXX issued a XXXX " Cancellation of Debt '' for the entire amount on the lien. This XXXX was filed on my XX/XX/XXXX IRS Taxes on XX/XX/XXXX. 

XXXX XXXX. shows the property titled in my name and without any lien ; I own the property free and clear of any lien. Given that XXXX, at the behest of XXXX XXXX XXXX, issued a XXXX cancelling out all debt associated with the loan, proper documentation must be filed with XXXX XXXX. agencies properly titling the property to XXXX XXXX XXXX. 

Otherwise, stop and discontinue further collections attempts and provide me the title to the property located at XXXX XXXX XXXX XXXX, TN XXXX.
In the past I 've come across some hard times and needed help. Navient or XXXX alays gave me the feeling that I was doing something wrong. I 've called a few time to be put on forbearance, hold off on payments or what we you want to call it. It 's difficult to say what I 'm on right now because it 's confusing when I call and I never understand what they say. I feel they try to trick you into doing something you really do n't need to do. As of right now I will be paying for my student loans until I pass away. It 's sad that I let it get like this but to get a degree and colleges cost so much, this is the only way to achieve this. I 'm racking up inyerest, late fees and who knows what else. I 'm worried that Navient /XXXX is making it hard for me.
I transferred money via MoneyGram at a XXXX store to my daughter in the United States.  My complaint is that there was no indication of fees until the end of the transaction and never any indication of the basis of the fee.  I couldn't tell if I could save money by sending more or less.  I couldn't tell if the fee was based on the amount I was sending or just a transaction fee.
There is wrong information in my report. 
XXXX Account # XXXX & gt ; I have paid down
I received the first call  XXXX   XXXX   2017  from a representative  of D2 M anagement. I was not advised this was an attempt to collect a debt. The caller asked for me, stated the last  XXXX  numbers of my  XXXX  and continued to say I owed this money and without paying I 'd be served small claims summons for various infractions. When I asked for verification and stated I had no knowledge of this debt I was told I did n't need it and the call was disconnected. On  XXXX   XXXX ,    2017  I again got a call with the same initial statements. When I told the lady I had no idea what she was talking about, she gave generalized information and stated that the only notification I would receive would be court summons. When I asked to not be called again and was disconnecting the call, I was then told this was an attempt to collect a debt.
Contacted place of employment after I explained I am not allowed calls. Personal or Business. Left message on my work voicemail.
XXXX, XXXX, and TransUnion refuse to remove hard inquires that should have been remove from my credit report. Here is a list of hard inquires that are expired : Inquiry date. Removal Date 1. XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 2. XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY
I was misled on more than one occasion regarding the initiation of my student loans and the forbearance of my student loans. There was nothing fair about either process.
My name is XXXX XXXX XXXX and I 've been receiving notification of my credit report about inquiries. I did not apply for these accounts or business, I 've contacted both parties and they do n't help. I 'm trying to fix my credit and with this isssue it will be a disaster if this keeps going on. I only have one credit card and no loans or anything else. I have a XXXX XXXX XXXX XXXX Credit Card and nothing else. No need more.. Please help me. I do n't need no more credit. I think I 'm an Suspect Victim of Identity Theft. 

I would like my persoanl information updated as well, because my mother has the same name and I believe her information has been mixed up with my information. 

My personal information shoule be as listed below : Name : XXXX XXXX XXXX AddressXXXX XXXX XXXX XXXX XXXX NC XXXX Phone : ( XXXX ) XXXX Employer : XXXX XXXX XXXX XXXX
XXXX, XXXX, XXXX, has a Santander Consumer Auto Loan that is showing up on my credit report that is not me. I spoke to Santander today at there Credit Dispute Office and they confirmed that this auto loan is not me and that I never had a loan with them.
Hi Recently i have received my credit report and there 's an address i have never lived in. 
the address is : XXXX , NV XXXX
I had several student loans with FedLoan Servicing that went into default. I entered and completed a rehabilitation to get them out of default. Once they were out of default, I applied for a consolidation. Now all of my student loans are consolidated under XXXX XXXX as the servicer. My new consolidated loan is accurately reported on my credit reports. However, FedLoan Servicing has not updated my information for the old loans. They still appear as if they are open and delinquent and as if I still owe a balance to them. I have tried to get this fixed. I have emailed them all of the information and have still received no response. I reached out to XXXX XXXX and they told me I had to deal with FedLoan to fix it. This is keeping me from getting approved for a mortgage loan and it is tanking my credit score. The mortgage loan officer told me the loans are showing as if they are currently in collections. Please fix this immediately. Thank you.
I have had my student loans on my credit report for too long now I and I keep telling them I can not afford to make the payments as necessary dye to job income reasons and too the fact that I 'm already drowing in debt I have to delayed the payment but they did not give me the option to do so and I do n't want this to keep making my  credit score  very low they either need to discharge it because the school did not give me proper information in regards to loan and I still was misinformed about the program now the   XXXX   XXXX   XXXX   is now CLOSED and I do n't feel I should be liable to pay especially since they did n't give me the proper agreements when I signed up for school and right now I 'm having troubles making the required payments so they need to do something about this because I cant make the payments sorry! this has been going on since   XX/XX/10     fyi
I am a member of USAA. I had a joint checking account with my wife as an authorized user. At the time, she was also listed as an authorized user on the USAA MasterCard. We had financial issues and the MasterCard account went delinquent. Soon after, I removed her from the account as we separated. I voluntarily removed myself from the joint checking account, leaving it to her. I then attempted to add a new checking account with USAA but was denied. They said that I could not have a checking account due to the balance owed on the MasterCard. I accepted that. Now I find that my wife still has her USAA checking account as an active account. USAA refuses to discuss it with me as it is her information. I get that. I do n't think it fair that me, the service member who originally had eligibility for their products, am now being denied an account when she is able to remain a member.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ILLEGAL practices. Post dated a PAID veterinary bill from XXXX ( from a traumatic night I had to put our XXXX XXXX XXXX in an emergency ) and reported to my credit as an account from XXXX. Took my score down 45 points for absolutely NO reason. I have spoken with XXXX XXXX hospital ( original account ) and they agree it was sent to collections by mistake. Incessant phone calls FIVE times per day for over a YEAR now! Brings back terrible memories from that night every time they call. ( All over {$160.00} that I NEVER OWED! The vet bill was paid in full the same night. ) I have disputed this three times now and they STILL refuse to remove this false collection from my credit.
I went the College XXXX which was a For profit college which is now closed. I had to take out XXXX separate loans from XXXX for this school. 
This school made so many promises that we would have guaranteed jobs after the XXXX program was completed. Never did I find a job in the field. 
They gave me some bogus certificate that was n't even recognized with employers. n I even back then contacted the president of the college and express to him how bogus this program was and wanted resolution which he could not give. 
I contacted the FTC to file an complaint. No one ever contacted me about the matter from FTC. I 'm stuck with a loan that I can not afford to pay back and never was not able to get a job in the field that was promised. What steps am I able to take since this school is now closed and I 'm stuck with a loan that has been in forebearance and accumulating interest on XXXX different loans from this closed school. Ive contacted XXXX who is now navient about school closed and asking for loan forgiveness. They told me no loan forgiveness for me because I went to the school in the 1997. But the same illegal business practices and deceptive was going on. Back then we did not have the same resources of social media and agencies to help us as the generation of people do now. The FTC was the only main source back then. Please help or please give me resources to seek
XX/XX/XXXX - I pull my consumer report and an eviction from XX/XX/XXXX is still present. I received a letter from the OCA which was handling the default judgment stating this would removed from my credit report within 90 days. That letter was dated XX/XX/XXXX. 

XX/XX/XXXX - I contacted the court handling the case and told them it was canceled by the OCA. I was told I had to take the letter to the apartment complex and ask them to vacate the judgment. 

XX/XX/XXXX - I went to the apartment complex to talk to them about this matter. I was told the letter was wrong, and that I owe {$4100.00}. I don't understand how the OCA could make such a mistake. 

XX/XX/XXXX - I apply for an apartment and I subsequently denied due to the eviction found by XXXX   tenant screening services. 

XX/XX/XXXX - I filed a dispute which included the attached documents. 

XX/XX/XXXX - I still have not heard about the dispute from XXXX.
I have a fraud alert on my XXXX XXXX, XXXX and Experian credit report. I want the fraud alert immediately deleted and removed from my credit report. I have never resided or lived at the following addresses : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. I want the addresses deleted and removed from my credit report. The following phone number dont belong to me : XXXX.
My mortgage collector, XXXX ( nka Ocwen ) refused payments and forced me to file Chapter XXXX Bankruptcy. My Chapter XXXX was a full repayment plan. After all payments were made the Court confirmed with all Creditors that full payments had been received and they said that nothing was due and owing. 6 months after my bankruptcy was discharged Ocwen claimed ( through notice to my attorney ) that I owed an additional {$8500.00} and threatened foreclosure. My bankruptcy attorney was not helpful with disputing this amount and I was so stressed out that I went ahead and entered into a Loan Modification with them and did not dispute the amount. During the bankruptcy and after I have requested monthly statements. My attorney sent several letters telling the it was ok for them to send monthly statements ; and I have called and faxed/mailed letters asking for monthly statements. I have not received a monthly statement since 2008. When I call they tell me that they have notes saying that I told them to " not '' send statements. Oh and when I do call I 'm calling XXXX or some foreign country. Is there anything I can do?