WillisBack/dataset-financial-user-claim huggingface dataset:
Ocwen has failed on complying with the CFPB rules on : Early Intervention ( 12 CFR 1024.39 ) A servicer must establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrowers delinquency.12 As clarified in CFPB Bulletin XX/XX/XXXX,13 servicers are required to make good faith efforts to establish live contact for each billing cycle for which a borrower has been delinquent for at least 36 days. A transferee servicer must begin or continue the good faith efforts regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. A servicer must provide to a delinquent borrower a written notice containing certain information not later than the 45th day of the borrowers delinquency.14 A transferee servicer must comply with the written notice requirement regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. Ocwen waited for two full years before contacting me about the loan even though I sent a complaint to Ocwen within weeks of the transfer notice. Ocwen has admitted in a CFPB complaint that the company did not comply with the reaffirmation agreement until XXXX that was 2 years after the company began servicing the loan. From XX/XX/XXXX until the loan was adjusted Ocwen failed to stay in contact with the debtor allowing the loan to go further in debt making a greater hardship on the debtor. XXXX XXXX XXXX now has came forth and is wanting to remedy the loan and make the debtor whole again.
MRS associates keeps calling me multiple times a day I 've told them to stop. they keep calling. Not my Debt, not even my name.
National Commercial Services sent a letter saying they were acting on behalf of their client, XXXX XXXX, Client Re. No : XXXX, Account No : XXXX, Balance of Claim : {$7900.00}. I have no such debt with XXXX XXXX, or anyone else. The letter was as follows : Please be advised that your account has been referred to our internal Legal Department for review. The referral of this matter takes place only after traditional collection efforts have been exhausted. ( There have been no collection efforts made regarding this ) If our Legal Department does indeed qualify your account for litigation and there has not been a resolution as to the outstanding claims, we will assign the file to one of our contracted attorneys in your area to commence litigation. 

It is our sincere desire to avoid the time, expense and inconvenience to all parties brought about by a lawsuit. In that respect, we are willing to consider all reasonable proposals. 

This is a time sensitive matter. Please contact our office immediately in order to resolve this matter without further action. We look forward to your prompt reply. 

Online Payment : Please visit https : //secure.ncssubro.com/payment Hours of Operation - Pacific Standard Time : Mon-Fri XXXX XXXX - XXXX XXXX Sincerely, ALL CORRESPONDENCE SHOULD BE SENT TO XXXX XXXX National Commercial Services XXXX Ext. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX I have not replied in any way to this letter, believing it to be an attempted scam.
Hi, I am currently awaiting 2 x {$10000.00} withdrawals from Coinbase for over 10 days. The withdrawals appeared to be complete on Coinbases ' website but my bank account has not been credited. I attempted to make these withdrawals on the XX/XX/XXXX and XX/XX/XXXX. 

I 've contacted Coinbase support via email, created a ticket ( Case ID : XXXX ) on their website, contacted them via XXXX, and messaged their moderators/employees on XXXX and have yet to receive a response. 

This is worrisome.
I have contacted Experian as well as each company associated with the inquiries in regards to having the inquires removed because I did not authorize or consent to the inquiries or for my credit report to be ran. Each inquiry is still showing on my credit report I also have completed a fraud affidavit, report number XXXX, with inquiries still reporting on my credit report. 
Inquiries include : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3XXXX XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX In XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XX/XX/XXXX
FCRA 623 ( a ) ( 5 ) States that the original creditor ( TDAF ) is required to accurately report the DOFD separately to the CRA ( XXXX ) no later than 90 days after the charge-off date ( XXXX, XXXX ). The purpose of this section is to determine the exclusion date. TDAF acted as was both the original creditor and collector for this account. 

The vehicle was repossessed in XXXX, XXXX. 

FCRA 605 ( c ) was created for one purpose only, to affix a date based on the commencement of the delinquency which proceeded to collection and subsequent charge-off on my account. The specific key point in my account is that this charged-off account became delinquent XXXX and has remained in delinquent status EVERY MONTH for over SEVEN YEARS and never brought into paid as agreed status, therefore this account should be deleted. 

TDAF has misinterpreted FCRA 605 ( c ) and failed to accurately report the DOFD as mandated by FCRA 623 ( a ) ( 5 ). 

Attached is copy of the Account History provided by TDAF, copy of XXXX Investigation Report and a Certified Mail Receipt copy of my dispute to TDAF.
While serving I 'm the United States XXXX I was stationed in XXXX XXXX while our XXXX was being renovated and repaired. 
We rented an apartment in XXXX, XXXX. They gave us 1 free month and I think it was if we signed a year lease. Being military we ca n't always commit to a 1 year lease. The manager who signed us up assured we do n't need to worry about it if we move early because of being military. 
Midway through our stay the apartments changed ownership or management. This turned out to be somewhat of an issue for us. The agreement we had with the previous managers was gone because of the change in management. 
During our stay at XXXX we received the news that our XXXX was completed and we would be relocating to XXXX, XXXX. I do n't know about you but we were n't going to rent an apartment I 'm XXXX when we moved XXXX. 
We let them know and we moved. 
Months later we began receiving calls from a terrible debt collection agency. They claimed we owed them for the free month we were provided. Being that I was XXXX military there was not we could do to stay there and complete our lease because of military orders. 
We provided this documentation to these very rude and unprofessional individual at the collection company. He straight up called me a liar on the phone because his " Marine friend '' look at our orders and said they were n't real. 
I have 100 % proof that immediately after moving from XXXX that we had a new place in XXXX and that I was still XXXX 3 years in XXXX, so I assure that my orders were not some false fraudulent document as the collections rep stated by calling me a liar on the phone. 

We are considering legal action as it is as this has caused me significant grief and suffering in my life as it has made it very difficult to rent or buy a home due to the bad mark not only on my credit but to also homeowners when they see we had a nonpayment for a rental.
On XXXX XXXX 2017 I recieved an alert from my XXXX credit monitoring service stating that my credit score was dropped because my Finance company XXXX XXXX XXXX XXXX stated that my payment was 30 days late. I am furious!! Because as of today my account is 26 days past due, as my payments are due on the XXXX of every month. There has never been any new agreements or signed contracts stating that the due dates have been changed, Therefore this company has in accuratly reported late payments to the credit reporting agency and has damaged my credit rating!!!!
My fathers neighbor house burned dow n ( thei r fault ) on fathers day   XXXX  . The fire destroyed my dads sunroom and burned down the fence and power poles between the  XXXX  houses. Shortly after, my dads  XXXX   XXXX   XXXX  d and he   XXXX   XXXX   in   XXXX   XXXX    . I finally got around to getting a contractor to estimate rebuilding the fence and all the yard damage at the end of  XXXX . I am the trustee of his trust, and the executor of his will. When I finally received the fire insurance check, the bank said they could not deposit it because it was made out to my  XXXX  and Rabobank since they hold a  XXXX  dollar note on it. I took the check to b ank, they said it had to be written to " The estate of ( my dad ). So I  returned the check to  XXXX  insurance and told them the issue. They reissued and check to " The estate of my dad '', and I took this check to the bank and they still would not deposit the check. They said I was only the trustee of his trust and not the executor of a will, or estate. They said I would have to have go through the courts to establish whether I was the executor. I found the paperwork that states I am the executor and took this to the bank and they still would not deposit the check. The branch manager told me that that I needed to have the insurance company reissue the check again, to " The trust of my dad ''. I had already spoken to the insurance co. and they can not change the entity to which they write the check, it must be the name on the policy at time of loss. I just had another conversation with the manager of branch, she says she would like to contact the insurance co and see if they can change the name, I told her I aready spoke to them, but be my guest, I also told her that I was currently sending a complaint to you. The check is for a meesly  XXXX  dollars, I am baffled and so distraught over not only the  XXXX  of my dad, but the issue of this check. This has been going on since  XXXX  now. Please help.
I can not get my credit report from none of the XXXX credit reporting companies? I need to remove a hard freeze.
The company Asset Acceptance is taking money and threatening me after the statute of limitations has been reached. My account closed with XXXX closed in 2008. These people are still taking money today with no amount ever going to a principal balance. I have paid them over XXXX They have been adding interest to the credit card amount they say I still owe, while taking my money and keeping it in a separate account. When asked to stop or reduce payments, they threaten me by saying I will owe the balance on the original debt. They have been collecting money over the statute of limitations for XXXX years. I would like to know the rights I have for the money I have paid over the past XXXX years.
Harassing and threatening phone calls daily from this law firm. violation of all FTC regulations. I have been discriminated during phone calls with this company. called XXXX person. false billing and criminal tactics. false accounts which i do not owe nor responsible for payment.
Collections on my credit report inwhich I have no knowledge of, the following accounts has been disputed, however, I was never provided any physical verification as promised by the FCRA. According to the FCRA if the disputed items is not backed up with physical verification then them accounts shall be removed. The following accounts are XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX ), ( XX/XX/XXXX )
President assured me that he would reimburse me for any fees related to penalties i received for IRS du e Fifth Third not honoring online payment as Branch Manager state d she would. They are now trying to say that they called me and could n't reach me?? i have my cell phone on and available to take calls at any time. and there were definitely no missed calls. They also did not mail me any info regarding hold they stated they had on acct either until after i filed complaint. IRS has fined me {$2300.00} ( I HAVE NEVER HAD A RETURNED CHECK WITH IRS ) for them not paying my check in the amount of {$14000.00} when i had funds in the bank. and even after i spoke with  XXXX   XXXX  Manager who gave me her contact info for them to call her so that she assure them that " the funds were good ''. They alleged that they called her and that this was n't good enough and they had to have this in writing.     i made a payment to IRS for taxes o n  XX/XX/XXXX  a nd after making payment online i realized that bank had some of my funds on hold for a check that deposited via ATM. first thing Monday morning the   XX/XX/XXXX  i bega n calling to see if manager would release so that this check was not returned and this when the charade began..     I spoke with several Manage rs at 4 locations and 2 o f them assured me that they would handle. i was told by all that i need to contact the branch i opened the account with 10 years ago!! So i started with  XXXX  who never returned call back to date ... but told  XXXX  who assured me that this check will clear because if funds are there they will always pay check..and she stated that check had already been held 7 days and it is obvious that the check is good..by the end of the day  XXXX  called me after hours and stated that  XXXX  advised her to " stay  out of i t '' and that she would handle. All the people I spoke with on   XX/XX/XXXX  regar ding this matter.  XXXX   XXXX  ( she was at location where i made ATM deposit ) never attempted to call me back I have my cell phone with m e 24/7. The y knew that  XXXX   XXXX  would not be providing them anything in writing but did advise Fifth Third to call so that they could verify that Funds were Good Also another important Fact to point out also is if they hold funds for the entire 8 days then funds should have been available and check should have cleared on   XX/XX/XXXX  ( the  XX/XX/XXXX  the check was returned not paid ) I HAVE SPOKEN WITH THE   PRESIDENT AND HE HAS ADVISED ME THAT THE PENALTY THAT I HAVE BEEN ASKED TO PAY FROM IRS  FIFTH THIRD W ILL BE REFUNDED ONCE I HAVE PROOF THE I HAVE PAID THIS WAS HANDLED VERY POORLY ESPECIALLY AFTER I SPOKE WITH MANAGERS AT 4 LOCATIONS  (   XXXX  AT  XXXX  LOCATION,  XXXX  AT   XXXX    LOCATION,  XXXX  MANAGER AND  XXXX   XXXX  AT  XXXX   XXXX  LOCATION ) BRANCHES AND WAS TOLD ONE LIE AFTER ANOTHER.   I DO EXPECT TO GET REFUNDED THE COST OF THE PENALTY BUT THIS DOES NOTHING FOR MY INTEGRITY WITH THE IRS I DO NOT PLAN ON CONTINUING MY ACCOUNT WITH THIS BANK AND IN THE PROCESS OF GETTING IT MOVED TO ANOTHER FINANCIAL INSTITUTION.      XXXX   XXXX
Mortgage with HSBC for 10 years discharged from BK in XXXX. HSBC sold mortgage to XXXX XX/XX/2015 but stopped recording my mortgage payments in XXXX 2015. XXXX says XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015 payments not made even though I have provided proof from bank. HSBC needs to acknowledge where and who received the mortgage money and rectify this with XXXX. Also negative remarks on my credit have been reported and threats of foreclosure even though I have made every month payment! I have sent a letter to HSBC with no response and have tried to discuss this with XXXX with no results still insisting I owe these months.
I do NOT have a signed contract nor any contract with XXXX, XXXX XXXX, or XXXX XXXX. I have never done business with these companies. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. XXXX 's is reporting an address that I have never lived at which is XXXX XXXX XXXX XXXX XXXX, Ga XXXX. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report to the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. XXXX XXXX was removed from 2 of the credit bureaus, but it remains on Equifax. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.
This alleged debt was created and contracted with my employer I have no responsibility or obligation to pay this alleged debt, because this a workman s comp case. The responsible party is my employer XXXX medical claims. This company has being harassing me and still have not contact the responsible party.
AN ACCOUNT KNOWN AS WELLS FARGO CREDIT CARD SERVICE HAS A CLOSED ACCOUNT SHOWING ON MY CREDIT REPORT THAT WAS OPENED ON XX/XX/XXXX, AND CLOSED XX/XX/. THERE IS NO MONEY OR DEBT OWED.
I purchased a car from a private party on XXXX. I paid {$2500.00} ( XXXX/XXXX/2016 ) for the car and {$640.00} to have the car shipped to XXXX, WI. Immediately upon delivery ( XXXX/XXXX/2016 ) receipt the car had numerous issue like non-start, no power, odometer rolled back, leaking fluids. The car was advertised as 'runs and drives great ' with original miles. 
I immediately ( XXXX/XXXX/2016 ) filed a return request through XXXX with the terms that the seller would pick up the car or if he no longer wanted it then it could be scrapped. The seller agreed. 
I notified my credit card company and they removed the XXXX charge. Now, more than 2 months later I receive a letter stating paypal/ebay is refuting the chargeback even though the XXXX seller agreed to the return terms. XXXX has evidence on their system the seller agreed to the terms of the return, yet 'XXXX ' from XXXX ( XXXX ) erroneously completed the chargeback form stating they had no proof the seller agrees to the return! They have all this information in their records including the seller accepting the terms of the return and refund. 
The letter I received requires a 'second opinion on company letterhead from another merchant in the same field ' which is impossible. This was a private party sale, not a purchase made at a business. XXXX knows I can not fulfill this requirement since it was not a merchant sale, it was a private party sale. Therefore the dispute will not go in my favor and my card will be charged for the damaged merchandise even though the seller ( who used paypal for the transaction ) has agreed to the terms of the return/refund. 
I 've contacted my credit card company but they have offered not much more than empathy. I 've done everything I can I my end, I need some assistance to get the refund I was promised.
I have been disputing the following account for almost three years now : XXXX XXXX XXXX Last Reported Status : 90-119 Days Late Last Payment : XX/XX/XXXX Balance : {$9400.00} I have disputed it with the agency, as well as the credit bureau. The credit bureau subsequently removed this account ( XXXX XXXX XXXX ) from my credit file on XX/XX/XXXX. The account has reappeared on my credit file under XXXX XXXX XXXX. Per the law, all accounts must be validated and I must be notified before they are placed back on my credit file. I received no notification of this action or validation of this account after it had already been removed.
called in XX/XX/XXXX and scheduled two payments with my mortgage company. I was told I was given a forbearance until XX/XX/XXXX over the phone but when I called in they told me that was incorrect. I realized I made the payment with an incorrect loan number. I was misadvised XX/XX/XXXX and told I couldn't delete payments over the phone and could only do it by emailing their customer service. I set up two payments which would have satisfied XX/XX/XXXX and XX/XX/XXXX set up payments for XX/XX/XXXX. I called in today XX/XX/XXXX and was told my payment was never taken for the XXXX I set up on XX/XX/XXXX but only was told yes payments are there when asking for a manger. I know because I was miseducated about the forbearance and the payment process it was to only further put me delinquent so I could be pushed into foreclosure. I was miseducated and intimidated to only take my phone
This complaint concerns ED Financial 's unwillingness to reapply a payment. On XX/XX/XXXX I made a payment to my ParentPlus loan for {$8500.00}. This was a tuition refund from my daughter 's college because she decided to take a term leave. Therefore, I immediately made the corresponding payment to my ParentPlus loan. 

However, EDFinancial misapplied the payment to my other student loans which I have been repaying over an extended ( 20 year ) period since XXXX. I incurred these loans when I was in grad school. I suspect EDFinancial applied the payment to these loans because it had a 4.125 % interest rate versus the 6.31 % ParentPlus loan. 

I contacted the servicer on XX/XX/XXXX by phone and by email to request reapplication of the payment into the correct loan group. EDFinancial replied on XX/XX/XXXX asking me to contact the new servicer instead. Unfortunately, I do n't have access to the new servicer yet because my original student loans ( from grad school ) are now under review for the Public Service Forgiveness loan program. I am afraid that if left uncorrected, my loan balance that qualifies for loan forgiveness will be lower by {$8500.00}. Also, I will be left with a ParentPlus loan with a higher interest rate. 
I am hoping you can help me in this situation.
I have a personal loan with Tower Loan in XXXX, Alabama. Due to hardship from reduced hours at work, I hired XXXX XXXX XXXX XXXX to help me consolidate and settle my debts. I was advised by XXXX XXXX, not to accept debtor phone calls because they will deal directly with the creditors. 

Tower Loan has called my number as well as my job, my family members and my friends leaving threatening messages to reach me. Several of the people they have contacted have asked to be removed. 

Today, XXXX XXXX,2017, I contacted Tower Loan, against the better advise XXXX XXXX, to tell them that I was utilizing a debt consolidation company to help me settle with them. I was advised that Tower Loan will not work with credit consolidation companies and I had no choice but to renegotiate my contract with them and resume monthly payments. 

I reported this advise to XXXX XXXX and they advised me to submit a complaint with the Federal Trade Commission for harassment.
I have contacted Equifax on several occasions in regards to accounts that I have that are in good standing and being paid on time. I spoke with a representative today ( XX/XX/2017 ) in regards to the dispute that I sent in to them at their request. Equifax requested copies of my identification and proof of social security card. The representative told me that the dispute was resolved and the accounts have been added. I am still unable to see these accounts on my credit report with Equifax only. Please let me know if there is any information that you need from me to resolve this issue.