WillisBack/dataset-financial-user-claim huggingface dataset:
Ocwen loan servicing took over my loan. The loan was already modified when they did. Since that time they have demanded a cushion for my escrow which is causing me extreme hardship. I went from {$1500.00} to XXXX in 2 years. My insurance has premium has decreased and my property tax has not increased. XXXX I asked to pay my own tax and insurance on the property. They refused and told me that the loan had to be modified for 5 year before they can waive escrow. This was XX/XX/XXXX. XX/XX/2015 is the five year. XX/XX/XXXX I again requested to pay my own because it would be less hardship for me. I would not have to maintain a cushion. I already approached my city about this. Now I receive a letter from Ocwen saying they can not waive the escrow and the reason is that the loan must not be delinquent in the last 12 months. I have never missed a month 's payment. I have had to pay a late fee because I am paid twice per month and it takes all of my salary to meet their demand. I am current on the payments. I qualified for the modification because of hardship, how can a mortgage company insist on making it even harder for someone with extreme hardship?. I have owned the property for 28 years and I never experienced anything like this. Please help me, I am at my wits end. They collect {$1500.00} per month in escrow only, totaling {$18000.00}. My escrow payment this year is {$15000.00}. I can not lose my property because of Ocwen. Please help me. Thank you for your assistance in this matter.
I have been dealing with my credit and also have had 2 other repairs companys on my side.. All three reporting companys still have not done all they are spose to do as in deleting and updating info and reporting info when i apply for new items they still list me as in late reporting no new accounts etc and delting hard inquires that i have not done i have 77 on one 50 on another and 70 on the other and accounts that are at XXXX balances
I was just made aware a hard inquiry was made on XX/XX/2018 was made to capital one. This was not authorized by me. I did not request anything on said date. This is fraud. I just want this removed as I did not authorize it.
Forced to payoff my wife 's debts on my XXXX credit card. Debt turned over to a collection agency where a plan was established for them to debit my checking account on the XXXX of each month for {$750.00}. After XXXX or six months without missing a payment, I found I was n't going to have enough money to afford the XXXX XXXX payment. When the agency attempted the debit on XXXX XXXX, sure enough there were insufficient funds. My account was charged a {$35.00} ISF fee. Unbeknownst to me, they attempted another debit on XXXX/XXXX/15 with the same results - another {$35.00} ISF fee. I then made a phone call to Gatestone that same day requesting no more attempts to be made that month because of the ISF charges. " My '' account rep ( who is no doubt paid a commission on her collections ) got on the call and was being very pushy and incredulous that I could n't make the payment, asking if I had " any '' money. I told her the little money I had coming in over the next few days was to pay my XXXX rent. She then asked if I would have any left over. I told her no. She then lied by telling me that the payment due on XXXX XXXX was going to be " 30 days past due '' if I did n't make a payment by XXXX XXXX. Of course that was n't true. A payment due on XXXX XXXX is n't 30 days past due until XXXX XXXX. I challenged her on it. She did n't back down - continuing to lie about the payment being 30 days past due on XXXX XXXX, only six days after the due date of XXXX XXXX. 
On Monday morning, XXXX XXXX, my anticipated additional funds to pay rent with arrived into my checking account. Knowing I was expecting additional money coming in for those purposes, she re-debited my account immediately following the deposit of my funds for rent and grabbed her {$750.00} payment. 

I 've now giver her three days to return the money back into my account if somehow taking the money was a system mistake. She is aware of my circumstances and the purpose for that money because I had made it clear in our phone conversation. She obviously is abstaining from returning the money in conscious disregard to my higher need to pay rent. Unbelievable, especially on top of her knowingly lying to me about being 30 days past due to induce my action. Fraud.
My account with Regions Bank XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX is reporting wrong for the status on my credit report status shows repossession this recent have appear and Ive contact this company a lot of times and they said that they will update the information to the credit bureau and its has n't been update. The last person I spoke with stated they will correct the information I do n't have this vehicle and in the past the account showed charge off as the status not its showing repossession, they went and updated the payment history but at XXXX the payment show good payments but I do n't have the vehicle so they updated but my status shows repossession and it should n't this has cause my credit score to drop to XXXX from XXXX. XXXX XXXX the car was repo on XXXX XXXX the vehicle report charge on my account. Regions recently reported R again as in XXXX XXXX in XXXX XXXX I have proof of the incorrect information and the correct information. They are rude and no one wants to help nor understand my concern, If they are aware of a credit report they would understand but someone in the credit department do n't, they put special codes on my account so that any dispute I do would be deny. I will be contacting the XXXX with my concern. The account is close and its shows open on all XXXX of my credit reports. AWFUL
Under a recent direct of all XXXX credit reporting agencies, on behalf of a collective effort of the Federal Trade Commission and the Consumer Financial Protection Bureau, all medical collections can not be posted on a consumer 's credit report until the following criteria is established : The consumer must be given an updated invoice by the service provider, stating that he/she has 30 days to rectify the balance personally or through insurance coverage. 
The service provider must state that the invoice will not go into a collection status until the 30-day timeline has been completed, and a specified date must be given to the consumer. A service provider can not submit a medical invoice to a licensed debt collector until after the 30-day timeline has been completed, without exception. 
If the 30-day time has passed, the service provider can at that time turn over the invoice to a licensed debt collector in the consumer 's residency state. 
The debt collector must submit a written notice of collection, stating that the consumer has 180 days to either rectify the debt personally, settle the debt amicably, or to expedite that an insurance carrier will pay the medical claim. The debt can not be posted on a credit bureau for collection until the 180-day timeline has passed, also without exception. 
I hereby state that the attached medical collection is now illegal, and that the new collection guidelines for medical debts are applied to existing collections. The old collections and their processes were not grandfathered in by the change in policy by XXXX XXXX and XXXX respectively. That means all medical debts come off my report and that I must be given a fair chance to rectify the debt through the previously mentioned criteria.
XXXX  XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX  XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX/XXXX  XXXX XXXX/XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Equifax has investigated the same issue more than 7 times and has not forced the company XXXX XXXX to provide any documentation to prove the debt is accurate. I believe that this is illegal and that Equifax needs to be investigated.
I have a Reverse Mortgage with : Champion Mortgage out of XXXX Texas even thou I live in XXXX Colorado. Their address is XXXX XXXX XXXX XXXX and they are at XXXX TX XXXX. Their customer service # is XXXX My account # is : XXXX. They have missed the distribution of payment today ( XXXX XXXX 2017 ) of {$1200.00} and after I called they said they had a computer glitch and that I would not receive distribution till XX/XX/XXXX. They also said I would get an additional interest payment because it was late. I have had this happen before with the other mortgage company and it was a 10 % fine and not an interest payment. Which is it?? My address is XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and my home phone is XXXX. My email is XXXXXXXXXXXX. Thanks In Advance for your help XXXX XXXX XXXX
In accordance with FCRA & 650B paragraph ( a ), Experian, are required to block reporting, within four days of notification, accounts that the I the CONSUMER have identified as identity theft related. I have identified the following accounts to be identity theft related : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. Cash Call XXXX 7. XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX I have identified these accounts to be identity theft related and have requested that Experian delete these accounts from my good credit record in accordance with FCRA & XXXX paragraph ( a ) which specifically stats the following : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. 
( c ) Authority to decline or rescind. 
I have satisfied the requirements of notification and provided a police report, identity theft affidavit, proof of identity, identification of fraudulent accounts, and statement of identity theft. I demand that Experian remove the accounts from my credit file as ordered by law FCRA & 605B paragraph ( a ).
The Home Depot has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
I have tried to dispute repeatedly with Transunion regarding removal of inaccurate addresses on my credit report. I was a part of the XXXX breach and I notice alot of things on my credit report that are not mine and I am trying to clear this issue but Transunion will not update the removal I continue to ask of them. Under the FCRA I have the right to dispute inaccurate or incomplete information, I want these inaccurate addresses removed from my report immediately or I will be filing a case. 

Report # XXXX These need to be removed : XXXX XXXX  XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, TN XXXX
Southwest Credit is continuing to attempt to collect on a debt that is a result of identity theft. I have mailed several request because they told me they don't have a fax number but they deny receiving anything. I'm now asking you to help me resolve this matter. i have saved and will upload information for your review.
I have not been able to find anyone at the credit reporting agencies whom can assist me. I am seeing " soft '' credit inquiries on my report that I am not authorizing. Companies are doing soft credit checks then sending catalogs out I am not asking for. By sending these catalogs out, it opens the door for someone other than me to use credit in my name. It then becomes burden of proof I did n't request it. There are multiple inquiries that are sister company 's of XXXX wards. 
I do not authorize anyone with out proven written evidence I have authorized a credit check.
Experian continues to report an account that is not mine. I never had an account with XXXX XXXX XXXX.
My loans was with XXXX XXXX now there with navient and from what it look like they are over charging me for these loans they keep adding way to much money on my account I really do n't owe that much
I applied for personnel loan to consolidate bills online. got text to call PNC bank at ( XXXX ) XXXX to get verification, wanted las5t four of social and hung up. Called back and when different person answered I asked if this was PNC and the lady hung up. I believe this is a scam to get peoples info. Check this out please
I bought my house in XX/XX/XXXX of last year ( XX/XX/XXXX). My mortgage company is Dovenmuele Mortgage ( IL  ). My homeowner 's insurance was up for renewal and I have an escrow which should be paying insurance and taxes. I received my regular notification from my insurance company advising me that they had billed my escrow. I received this on XX/XX/XXXX. On XX/XX/XXXX ( 9 days overdue ), I received a letter from Dovenmuele Mortgage stating, ''Our records show that your homeowners insurance has expired. We do not have evidence that you have obtained new coverage ... '' I contacted them the same day. They advised that they never received an invoice so they never paid it. I asked why they would send me a letter stating they WERE AWARE my policy expired, yet didnt reach out to my insurance company. They told me that they cant reach out to the company. I then asked why they didnt call me or try to reach me in a more timely manner. They said that they only pay the policy when they receive an invoice, and its not policy to investigate when they dont receive an invoice. 

So, they know that theres a problem, yet they refuse to reach out to anyone to fix it. They also told me that they service millions of mortgages and dont have time to ensure that everything is getting paid. I had to call my insurance company directly to facilitate a new invoice being rushed to Dovenmuele. I also requested once they wrote the check that it be overnighted. I called back the next week. They advised me that they had mailed the check but not overnighted it. My insurance company kept confirming for me that they had not received it. As of XX/XX/XXXX, the policy had still not been paid. They then made me wait an additional 5 days to research the check before they would cancel it, reissue another check and overnight it. 

I was forced to call my insurance company and pay my policy via a credit card. At the point I paid ( XX/XX/XXXX ), my policy had been in cancellation for 38 days ( in the middle of hurricane season ). I was told by my agent as well as people at my insurance company that I had no coverage until it was paid. They told me, Its a gray area. 

Now, all I want to do is close my escrow and handle my insurance and taxes myself. I just want to avoid this happening in the future, since my policy conveniently renews in the middle of hurricane season. Dovenmuele advised me that due to their policy, they cant close my escrow because I havent been with them for two years. They told me I can dispute it and request and exception but they told me it most likely wouldnt be possible. They gave me an email address for the research department. They told me that this department does not accept phone calls. I have reached out to this company numerous times in the past via email and never got a response. 

I would appreciate any help in this manner. Dovenmuele has been unresponsive and unwilling to help me with any of the problems or concerns I have had in the past and I dont expect different this time. 

Thanks, Sincerely, XXXX XXXX
My mortgage was with XXXX from XXXX until the middle of last year ( XXXX ). The loan was in my name and my now ex-wive 's also. While we were settling the divorce, XXXX had sent me paperwork to allow me to have my ex-wive 's taken off the mortgage note, not a refinance. They told me I had to pay a fee and qualify for the mortgage by myself which I was perfectly fine with. One of the conditions, was a completed divorce decree which unfortunately didn't get finalized until XX/XX/XXXX. I have since reached out to the new company that my loan was sold to Select Portfolio Servicing to complete the process I had started with XXXX. They are telling me they have no way to take my ex-wife off the mortgage except for a refinance. The problem with that is I am about {$450000.00} still under water so that is impossible, which they are fully aware of. I was told that when my mortgage was sold, my terms wouldn't change which to me at least means I am not put in a worse situation as I didn't choose them ( SPS ) they bought my loan without my consent so why should this option no longer be available to me? I feel they need to make good on the process I was going through with XXXX since it wasn't my choice to work with them they chose me. Part of my divorce decree, is to get my now ex-wife off the mortgage which is impossible with their rules which contradict XXXX 's. Thank you in advance for your help and please let me know what documentation you would like me to provide. They have been extremely difficult to deal with compared to XXXX. My relationship manager I was assigned to is XXXX XXXX XXXX.
I purchased an item in XXXX from a vendor in the XXXX. This vendor knew we lived in Alaska and charged shipping at the time of purchase. Turns out that in XXXX when finally ready to ship the product they dumped it off with a shipping company and never checked back up on it until I continued to follow up. Turns out they could not figure out how to ship it and a shipper that we mentioned shipped to Alaska was almost quadruple the price they charged us for shipping. I opened up a dispute with both paypal and my credit card company Citibank Costco Visa in XXXX. Once the vendor knew there was a dispute open he tried to salvage the transaction by telling us he was going to re-collect the item and box it according to USPS standards to send it XXXX. He asked if I could close the dispute in order to submit an invoice for the extra {$200.00} in shipping that it would cost us to go this route. I then closed the dispute with paypal and my Citibank Visa. I have not received the product. I as not invoiced for any additional {$200.00} because it appears the vendor can not ship the item. I am not able to re-open a dispute with paypal or my Citibank Visa. I do not think that is right because if a customer does not receive a product, they should be eligible for refund despite the original transaction happening in XXXX and despite closing the dispute in XXXX 2016. A vendor can and will lie in order to hang on to a person 's money. However, a good credit card company should protect their patron regardless when a product is not received. This product was not and will not be received.
I have not lived at the addresses listed except for XXXX Fl. 
The other addresses are my ex husbands where I never received mail nor did I ever live there. This is fraud! I only have XXXX XXXX credit card these other accounts are not mine. Please help me and direct me what to do. I want to file a complaint and charges against this person. 
Thank you XXXX
I 'm confused as to why MDS Tradeline REMAINS on my credit reports when they did n't provide the requested documentation in 30 days. I 've tried resolving this issue with XXXX as well as MDS however to no avail. XXXX said the account is verified however calling to match up numbers is n't enough to properly validate an account. Also, XXXX XXXX with MDS knows for a fact she did n't respond nor provide proof in 30 days under the law yet she continues to ignore my consumer rights. It is now XX/XX/XXXX and I have given MDS as well as XXXX more than enough time to do the right thing. At this point I am ready and willing to seek legal action. This is my final notice before litigation.
I was issued a Credit card by Steinmart with a limit of {$750.00} they upped it to {$1700.00} we paid {$250.00} on the balance which was above the minimum on a balance of {$650.00} and again paid another {$100.00} to bring balance down. Then the next we got a letter reducing credit limit to {$670.00} from {$1700.00} making my usage go fro 30 % to 98 % and reported that to XXXX XXXX which dropped my credit score from XXXX to XXXX because I paid too much of my balance. This is a crime! If I cancel the card it will further impact my score. I DID NOTHING WRONG! This a a bank that need to have a class action law suite brought against them for fraud!
XX/XX/2018 {$450.00} owed AR Recovery Resources I have disputed this matter 4 times and contacted company and they can not tell me who thebcollection agency is butnit is on my credit report and i have not had any debt collectors since my chapter XXXX bankruptacy 3 years ago. So thisnis not my account and it needs to be removed immediately.
I have disputed the following fraudulent inquiries on my report a few times before in accordance with FCRA, all to no prevail. It is written within FCRA law that if such companies can not present physical documentation then the disputed items shall be forever removed. I have disputed the following and no one presented any physical verification but yet the 3 major credit bureaus still reported as being true. But still no physical evidence inwhich is in direct opposition of the law stated in FCRA. The following disputed inquiries are XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX, XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX ( XX/XX/XXXX )