WillisBack/dataset-financial-user-claim huggingface dataset:
I have contacted CFPB multiple times regarding the status of my matter, the representatives all follow the same telephonic script. When I ask the representatives where all the Ocwen collected fine fees go, the representatives all refuse tell me and end the conversation. 

Well this explains most of it? 
Monday on XXXX 's " Mornings With XXXX, '' the author of " XXXX, '' XXXX, discussed a new report from the Government Accountability Institute ( GAI ) that found the Obama administration 's Department of Justice has been directing fines levied on major banks to fund leftist groups. 
Partial transcript as follows : XXXX : Let me ask you about another exclusive report we want to get to. When banks are sued by the Justice Department -- we know right now that the department is trying to get upwards of XXXX dollars from XXXX. We do n't know what that a number is ultimately going to be. Where does that money go? Does it allegedly help fund political nonprofit groups? Because this is what the Government Accountability Institute is saying, and we 've got this exclusive report. 
XXXX Yes, that is right, XXXX, we 've got a report coming out today. Anybody can get it -- XXXX. What we looked at is what the Obama Department of Justice has done when they have gone after banks, whether is was related to mortgage-backed securities or lending practices going back to the XX/XX/2008 financial crisis, and what you find is that a lot of money is not actually going to pay the victims. That money is being steered by the Department of Justice to fund progressive liberal organizations. More than XXXX dollars worth. And that money is being steered toward political activism. And in fact, the Department of Justice giving these large financial institutions, which have allegedly you know, conducted in bad behavior, they are giving them a XXXX dollar to XXXX discount. If they will give a dollar to a progressive organization, that wipes XXXX dollars off the slate in terms of what they owe federal government as related to their financial activities. So this is a massive problem. It shows that a lot of activities -- the Department of Justice under President Obama -- has not been about actual making the victims whole as it relates to these financial activities, but actually funding left wing groups. 

I will bring all you dirt bags down who have committed fraud against me. 

XXXX
Someone called my XXXX grandmother ( XXXX years old ) on the phone pretending to be me needing help with money to get bailed out of jail in XXXX and XXXX. This was clearly not true ( I 've never even been to XXXX and XXXX ) but she was scammed into sending {$5800.00} through MoneyGram at Wal-Mart through multiple transfers. The person on the phone convinced her that they were me and told her not to tell anyone else. She was frightened and complied. After finding out what happened, I collected all receipts from her and would like to do something about this.
To increase the information available to me and the CFPB in investigating these matters, I kindly request that Scottrade provide me with all of the Exhibits referenced in Scottrade 's XXXX XXXX, 2013 letter. The Exhibits within the letter significantly advance my allegations mentioned above and the fact that Scottrade failed to provide them shows that Scottrade is actively hiding this information from regulators.
I got an inquiry on my credit report from Cash Central on XX/XX/2017. I never authorized the credit hit on my report. I never even applied for a loan. I am very upset they were able to put an inquiry on my report without any authorization. I tried to call them to dispute the information, but the customer service rep just kept reading a prompt, saying it was a legitimate hit. I want to dispute the information and I want it REMOVED from my credit report. I also want to know how they were able to run a check, without my authorization ...
The " XXXX XXXX  '' an umbrella of Pinnacle Credit Services LLC, XXXX XXXX XXXX XXXX and many more under the so called " XXXX XXXX '' has repeatedly put a collection amount for {$2100.00} back on my credit report through multiple transfers of XXXX - or attempts to have companies not underneath this umbrealla try to collect this debt that has been disputed, removed with XXXX and XXXX - XXXX. The account has been removed and again added back to my credit report multiple times. The last time the account was removed, this company had tried selling off a debt to XXXX XXXX XXXX address XXXX XXXX XXXX, SC - I have been violated not only through this company " XXXX Companies '' but also by XXXX, XXXX and XXXX for allowing them to even put this account back on my credit report after it has been removed multiple times.
I recently ran my credit report and i saw a couple of items on my report that i did not approve of. I need these items deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX. 
I contacted the FTC and my local police. I am doing this on my own behalf.
Citibank confiscated my mom 's checking/savings account, saying the account was abandoned. My XXXX year old mother, who has been in a rehab center for a year due to seriously XXXX XXXX, had a home equity loan and money market account with them for nearly 20 years and cashed out her life insurance policy last year to pay off the loan, of which she paid over {$200.00} a month in interest. Without prior notice, I received a notice from CitiBank that they had confiscated her account due to abandonment. They claim they sent notices, but since her horrible injury, I have been handling her mail and I never received ANYTHING stating this action would be taken. After being told there was nothing I could do about it, by my 3rd call they ordered me to fill out a statement citing the circumstances, the total amount of which was {$210.00}, have my mom sign it, and a check would be sent. One was sent, short the {$5.00} from the money market account. Repeated requests and demands for the entire amount, which was listed on the signed request they received, they have dug in their heels and now say .I need to fill out forms to get the {$5.00} back! It may seem like a pittance, a petty complaint, but how many people have they done this to who aren't aware it happened, especially the elderly and the XXXX? I've warned them 3times I would file a report over this, and even recommended they simply put a {$5.00} bill in an envelope to solve this problem, but they are adamant about filling out more forms eventhough the amount on my mom 's signed letter was acknowledged by CitiBank to be the amount she was owed. We came from the XXXX and CitiBanks stand on the 2nd amendment and their refusal to serve people or business who associate with the XXXX is widely known, and being members, we refuse to allow CitiBank to keep even a single cent they don't deserve! My mom is adamant ... .she wants the ENTIRE AMOUNT THEY TRIED TO STEAL! Please help us stand up to these XXXX who would rather be reported than give an old, XXXX great grandmother her {$5.00} back! We are on fixed incomes and every penny counts in this household! Show CitiBank that they can't be a XXXXBank and get away with it!
On XX/XX/XXXX. I received an alert from XXXX  Credit Bureau regarding a collection item on my credit report. I don't know who XXXX XXXX XXXX XXXX is, and no validation of this debt has been given to me. No original creditor was listed. I was not given a right to dispute letter, nor anything else regarding this debt at all. On XX/XX/XXXX, at XXXX I contact them and asked how they got my information and disputed the validity of the debt and asked them to remove this from my credit report. They are refusing. I should have 30 days to dispute this debt and I was not given any notice to activate my rights. Instead it was placed on my credit report. I've contacted the number listed on the report XXXX. They where unable to validate this account belong to me. I requested proof in writing.. I have also contacted XXXX XXXX, Experian, and XXXX  and disputed it. When I contacted XXXX XXXX at XXXX, I spoke to a Fraud Specialist, XXXX XXXX she informed me that a similar item showed up on my credit report in XX/XX/2015 and was disputed and removed. This is around the time I found out my SS # was used by someone other than me. I asked to speak to a Supervisor with XXXX XXXX. I spoked to Mrs. XXXX, and asked how can an item that was disputed and removed in XX/XX/2015 be placed back on my credit report. Once it is removed, it should be removed. I stated that I disputed it then because it was not mine, and it was removed but you placed it on there again. The Supervisor at XXXX XXXX did not remove the item. My credit score has dropped 75 points due to this and I have no control over it. I am in the process of buying my house and this is affecting me drastically and putting my dream of owning a home in jeopardy.
Good day. I reside in So XXXX and I have a civil court judgement for a defaulted credit card. This dates back to approx. XXXX. In XXXX the plaintiff attempted to levy my savings accnt at my credit union. I rec 'd guidance from the court 's self help clinic and submitted a claim of exemption stating my only income was from Social Security XXXX, VA benefits, and Gov't Pension, via direct deposit. The judge granted my exemption. I elected to have an additional credit union closer to home and had the VA benefits and Gov't Pension direct deposited there for convenience. Now, approx. 16 months later I receive a letter from the new credit union stating my entire accnt is frozen to satisfy a civil court judgement. I went down to them and explained my income in this accnt is protected from a civil judgement. I said there is no commingling of funds in my accounts. They stated they did not care and were going to follow the sheriff 's levy document. I stated they know where my income comes from as it is stated on the monthly statements. I stated, I believed they were violating Federal Law and state reg 's ( XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ). I finalized my brief meeting by stating that because of their reluctance to follow the law I am currently suffering damages that the credit union may be responsible for. 
I have since filled out the proper doc 's ( Claim Of Exemption and Financial Statement ) and submitted to the sheriff 's levy office.
Hello, My name is XXXX XXXX and I am receiving phone calls from multiple credit recovery agencies for some other persons debt. I changed my phone number to a new phone number over a month ago and now I am receiving calls regarding this persons debt. I have no debt what so ever. The most recent organization to contact me was from : Date : X/X/2018 @ XXXX XXXX XXXX XXXX XXXX Professional Recovery Consultants XXXX XXXX XXXX XXXX . XXXX XXXX, NC XXXX PH : XXXX I have registered my phone number on the DO NOT CALL list, on X/X/2018. I am receiving multiple calls from different creditors at all hours of the day, multiple times per week.
My husband and I are attempting to purchase a home that is set for auction XXXX XXXX. Both the seller and her attorney have made multiple attempts to get in contact with OCWEN to let them know the house IS UNDER CONTRACT and to request a foresclosure postponement so that we can close. What has been relayed to me is that her attorney has basically given up because he ca n't get in touch with anyone to discuss these issues. The homeowner is TRYING to sell her home to get out from COMPLETE financial ruin, but can not get in touch with her servicer to TRY to remedy the situation before auction. Come to find out yesterday that although we have a signed contract for a stated price, she has been billed/fined by OCWEN another {$4000.00} for what, I ca n't tell you. From reading other posts, it appears erroneous fees and charges are just tacked on.
In XXXX 2015 I was being over charged for data with XXXX XXXX account XXXX I changed service and went to XXXX who had unlimited data. I contacted XXXX in regards to a tablet that at store I was told I could cancel any time. I received what I thought was a final statement in XXXX and paid it. I heard nothing from them until XXXX 2015 when I got a bill for for {$500.00}. I was in total shock I contacted the office several times and no one could give me an answer. one representative told me the tablet had never been canceled and that was the fee. I said why did n't I get a bill she did n't know. Another said it was for the equipment fee for number ending XXXX. I ASKED WHY WAS N'T I CONTACTED BEFORE AND WHY NO BILL. SAD TO SAY I got no where. Then I said it all should have been stopped on XXXX XXXX. Now I get a collection letter from Convergent out sourcing say I owe XXXX and refuse to listen to me. I am willing to pay for the remaining balance on equipment on XXXX/XXXX/15 but not all these monthly fees when I canceled it all on XXXX/XXXX/15 can you please help.
I discontinued services XXXX XXXX XXXX. They billed me for their membership even though there was no use of service from that point forward. There was no notification regarding the continuance of billing from the club itself. I recieved an email notification however from ABC in which enormous added penalties were added to the bill. The XXXX XXXX XXXX did waive the late penalties but would not waive the club use charges that they even admitted were not used. I paid the bill in full and sent the prehistoric formal written cancellation letter on XXXX/XXXX/XXXX. Since then in the past two weeks I 've continued to receive XXXX further notification of more fees and charges owing on my account. I have attempted to contact the XXXX XXXX XXXX, XXXX XXXX XXXX location and gotten no response. XXXX XXXX is his Manager who 's also ignored any and all communication I 've directed to her. This is abusive business tactics and needs to be addressed. After researching online I 've found countless postings from other victims from this companies abuse. There are too many other choices of XXXX to work out at. Maybe XXXX XXXX will learn a lesson someday that taking care of the customer should be a bigger priority.
I made a settlement agreement with account control technology for {$20000.00} On XX/XX/XXXX they send a written statement on XX/XX/XXXX They called me again at the beginning of XX/XX/XXXX to tell me that the principal amount had changed to {$16000.00} and if I wanted a new settlement I agreed and the change in the amount equals the amount of the first offset {$3800.00} The new settlement came in at {$12000.00} Then there was another offset of {$5300.00} they refuse to credit this offset to the last settlement agreement argued that it went to principal and fees when we had an agreement in place
In XXXX XX/XX/2014, I changed my landline service from XXXX XXXX XXXX to another provider and paid the landline bill in full. 

Since that time, I have continued to be plagued by collection notices from XXXX XXXX XXXX XXXX and Franklin Collections, saying I owe for that account. 

Each time, XXXX XXXX XXXX says there is a XXXX balance. Sometimes they bounce me around to wireless accounts ( where my cell services still resides ) but that is current so irrelevant. 

XXXX XXXX XXXX refuses to provide me with anything in writing showing the account is satisfied. 

The debt collectors are relentless, sending mail notices, calling, hounding. 

My identity has been compromised by having this information sent to these sleezebags. 

My credit is at risk unless I pay $ XXXX+ per contact that I do not owe. 

Please help.
Received a postcard that offered XXXX XXXX miles if I signed up for a Gold American Express card. I applied and received the card XX/XX/XXXX. 

When I had not received the bonus miles by XX/XX/XXXX I called the company and was told that the offer did not apply to anyone who had previously had an American Express card ( I last had a card in XX/XX/XXXX ). 

There was nothing in the advertised offer that said kings x if you had a card three years ago. Therefore, extremely misleading.
After discovering several TILA ( Truth in Lending Act ) violations concerning the loan transaction, being unable to obtain a certified true and accurate original promissory note from the alleged owner of the loan, in addition to a fraudulent assignment filed with the county clerk : in XXXX XXXX, XXXX I exercised my right of rescission pursuant to TILA 15 USC 1635, Regulation Z 226.23. Under federal law the security deed has been extinguished and interested parties ' rights under the security deed have been terminated. Any security interest or other interest held by XXXX 'S WHOLESALE LENDER and/or XXXX, XXXX and/or XXXX XXXX XXXX, XXXX. and/or XXXX XXXX XXXX XXXX XXXX XXXX as Trustee For the Certificateholders XXXX , XXXX, XXXX XXXX XXXX XXXX Mortgage Pass-Through Certificates Series XXXX and/or other known and unknown entity is VOID upon my rescission. See 15 U.S.C. 1635 ; 15 U.S.C. 1611 ; Regulation Z 226.23. These parties mentioned have NO interest or successor-interest in my property as those claims were waived by non-response and failure to file a complaint within 20 days. The parties also failed to return the original note marked cancelled and cancel the security deed and recorded in XXXX County, GA and return all consideration paid by me within 20 days of receipt of my letter 15 U.S.C 1640 ( a ). 
As of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX retained XXXX XXXX, XXXX of GA to act as agent to foreclose on my property with the sale scheduled on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I sent a certified letter to the law firm and XXXX XXXX to cease and desist any collection attempt, including but not limited to any attempt to foreclose on my property. Any attempt to collect under the non-existent deed of trust and mortgage is a violation of federal law. All instruments with my name have been properly RESCINDED and are VOID. As of XXXX XXXX, XXXX, the foreclosure sale HAS NOT BEEN CANCELED. XXXX XXXX is acting as debt collector in violation of the FAIR DEBT COLLECTION PROCEDURE ACT 1692 ( g ) Section809. On XXXX XXXX, XXXX via email, XXXX XXXX stated that they have no right to make a claim or successor-interest in my property. Again cease and desist! 
A report was filed regarding this RESIDENTIAL MORTGAGE FRAUD pursuant to OCGA 16-8-102, 16-8-104 and 16-8-105 to local law enforcement and elected officials as well.
Started dispute with Equifax on XXXX/XXXX/2017, was received and updated to pending status same date on the website. Confirmation number is XXXX. Had an estimated date of completion XXXX/XXXX/2017. As of today, XXXX/XXXX/2017, it is still listed as pending. I am waiting to buy a house, and do n't see any other way of contacting them to get them to move on this other than submit a new dispute, which would then drag this out. As far as I am aware, if it has been 30 days and no response, they are supposed to remove the disputed credit information. Thank you for any help!
I sent TRansunion a letter, along with my ID, in XXXX. They never responded to me.
I been contacting my mortgage company regarding eliminating the PMI for the past 2 years. Although they agree that it should have been eliminated, it hasn't been. Each time I call, I'm promised that it will be removed but each statement since has included the PMI charge ( {$90.00} per month ). I'd like assistance in eliminating this charge & recovering the past payments. My primary contact at Bayview Loan Servicing is XXXX.
The United Mortgage Company contact me in XXXX 2016 and I was told by a gentleman by the name of XXXX that they can lower my mortgage payments by {$100.00} per month. At this time I owned my house for almost one year and thought I could use the extra money each month. The incentives were I would not have to pay the new mortgage for 2 months, lowered monthly payments and no closing costs except I would have to pay the loan officer, title company and other incidentals in the amount of {$2100.00}. The closing took place on XXXX XXXX and come to find out they neglected to pay my XXXX taxes for {$3800.00} which have accumulated to over {$4100.00} with late fees and finance charges. When I brought this to the attention of my loan officer XXXX XXXX XXXX he was looking into it but has n't gotten back to me even though I called everyday for a week. I believe they did the wrong thing by me and they need to pay the taxes that were due when they were my mortgage company.
i am seeking assistance from CFPB regarding my Credit that has been destroyed in the last year. I traveled overseas on XX/XX/2017 and returned last month to the USA. After i realized i couldn't locate my personal belongings. Then i checked my credit card accounts online and realized everything was maxed out. i ran a credit check on Annual credit report and realized all my accounts were charged off or gone to debt collection. I am unable to do anything due to this issue. I have kept all my finances in order before i left USA and i have reason to believe someone has used my information or actual cards. Debt reported : XXXX XXXX XXXX - {$3000.00} XXXX XXXX - {$6100.00} XXXX XXXX - {$8800.00} XXXX XXXX - {$4600.00} XXXX XXXX - {$3700.00} XXXX XXXX - {$3200.00} Chase - {$13000.00} XXXX XXXX - {$6600.00} XXXX XXXX - {$1100.00} XXXX - {$7100.00} The amount is totaling up to {$57000.00} I need immediate assistance to regain my credit and protect my self from identity theft in the future.
I sent a letter to Portfolio Recovery Associates requesting that they " VALIDATE " a debt that they are attempting to collect from me. I specifically asked for a signed agreement not electronic signature and other documentation, Portfolio Recovery Associates provided me with billing statements which does not prove i am obligated to pay them anything. Portfolio Recovery Associates have reported delinquent information to the credit bureaus that i am asking to be deleted.
I went into a Wells fargo Branch roughly a month ago to discuss the situation regarding the Overdraft Protection fees I continued to get. One month I 'd tallied roughly {$71.00} in overdraft " protection '' fees although the money was in my Savings account and all they did was cover my transactions via that account. I explained that I was no longer interested in the service and the Banker suggested that I open a XXXX checking and savings to remedy the situation. Lo and behold not two days later I was hit yet again with an " protection '' fee because he 'd transferred money to XXXX account and another account and honestly I just wanted to stop using the overdraft service. I would much rather they decline my card and I pay for something using another method than have all these accounts and this " protection '' that is costing me {$12.00} every time I do n't put the money in the right account. It 's frustrating and misleading. If I have the money in XXXX of my accounts, just take it from there. Stop charging me every time.
At the moment I do not have the ability to pay Tower Loan. They have been calling work and I asked XXXX the branch manager on XX/XX/2017 to stop. He said no. The very same day the called again and continue calling my work. I had no problem them calling my personal phone. One of the employees came by the house and gave my financial papers to my wife ( which she had no knowledge of the loan but now she does now )... sharing loan information other than the account holder is a violation of the law.
I received a XXXX from XXXX XXXX  about an old credit card account I had. Since XXXX cancelled the debt and I have to report it as earned income, the balance on my credit report should be {$0.00}. I have tried disputing the balance amount with the three major credit reporting agencies, and they keep saying that the amount has been verified. But how can XXXX XXXX  cancel the debt and then still say that balance is valid?
Six months after Carrington Mortgage  took over my account from  XXXX , they posted a delinquent account to my credit report.I have always paid this bill before or right on the first of the month.N o one said i was ever behind in my payments, nor was i given any notice.Apparently, they thought i sho uld pay both them and  XXXX  during their transition.I am angry and my credit rating went down  XXXX  points.This is both unfair and harmful to me.