WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX I was notified that my monthly payment was increasing from {$520.00} monthly to {$940.00} per month. The increase was intended to escrow for homeowners insurance. I forwarded a copy of my declaration page as well as confirmed with the insurance department that all insurance cost has been paid by me. We agreed that the account should only be escrowed for taxes. Ocwen proceeded to increase the monthly payment. In XX/XX/XXXX I attempted to make the XX/XX/XXXX payment and was unable to do so because it was less than the amount required. I subsequently attempted to contact the identified relationship specialist who has never been available. I have had to speak with 3 other individuals. On XX/XX/XXXX a request to the escrow department was made to opened workflow process. I was told that the process would take 10 business days. A followup appointment was made for XX/XX/XXXX at which time I spoke to another specialist who informed me the workflow process had not been completed. On XX/XX/XXXX I called again spoke to different person who informed me the process had been complete and it had been determined that Ocwen would pay the insurance despite all of the evidence showing they had not paid it in the past 3 years therefore there was no basis for making changes in the escrow amount. I was told that I should faxed them a letter stating my preference to continue paying my homeowners insurance ( which I am doing today ). I have been force to make a payment to avoid being 90 days past due. I have explained to each representative that I can not afford this $ XXXX monthly payment and no one seems to know how to communicate within the Ocwen organization to resolve this issue.
I had an account with Navy Federal. I had medical issues and they charged off the account # on XXXX 2014. In XXXX/2014 on my XXXX report they reinserted the account XXXX by adding XXXX in front of the account number they modified all the history of the account after my attorney told them I would be filing for bankruptcy to stop the judgement on the Charged Off account. I disputed the duplicates and they only removed XXXX of them. The history and everything else that was disputed and incorrect remained and they kept verifying the debt as correct. 
On my XXXX credit file I had no Authorized User Account on XXXX/2014 when the debt was charged off for my husband on his account # XXXX they added the account removing all history on the Charged Off account and labeled me as an " Authorized User ''. I have disputed this account since last year and they with the intent to collect have continously verified all information as valid when in facti it is not. 
At this point I want to have BOTH ITEMS deleted for due to multiple violations of my rights under the FCRA, the bankruptcy chapter XXXX stay and violations of the Discharge injunction.
many credit card on my three bureau that i knew nothing of write the three credit bureau no one response base on the 609 law it is illegal to report item on someone credit without the proper document. ssn # XXXX. thank you
I placed a fraud alert on my credit report because my social security information was compromised. Experian failed to ask for my telephone number to verify in case a request for credit was made. I discovered this attempted to correct on the Internet however, Experian wanted to charge me for a report. I finally got through to a generic telephone number. I was told my telephone would be on file in 24 hours. A week later, Friday, XXXX XXXX, XXXX XXXX told me that my file had not been updated with my telephone number so my application could not be processed.
InXX/XX/XXXX and XX/XX/, my Barclays Master Card showed a charge for {$100.00} each. The payee was The XXXX XXXX XXXX. I had terminated my membership with them in XX/XX/. There were no more charges afterXX/XX/XXXX ( or XX/XX/XXXX? ) ofXX/XX/XXXX. Then, in XX/XX/XXXXand XX/XX/XXXX, they charged me again. 

I called the XXXX XXXX. They stopped further charges but never refunded me the {$200.00}. I then filed a dispute with Barclays. They asked me, naturally, for a report. Even though I already gave them all the facts in my first complaint, I did it all over again. Then they gave me credit for the charges. Then they left me a voice message and demanded I give them the facts again within like 2 days of the message. I did not get the message until after their ( arbitrary ) deadline. Nonetheless, I also got a letter in the mail requesting -- once again -- the facts. I -- once again -- gave them the facts. I received an email telling me that my case is closed because I did not respond ( XXXX! ). They reversed the credit and I am again out {$200.00}. 

The XXXX XXXX is NOT entitled to my money. Barclays is violating the lw with their non-actions and ridiculous run-arounds. 

It is YOUR job to enforce the laws. DO IT! 

Barclays is doing this because they know darn good and well that the XXXX XXXX in the White House appoints other XXXX XXXX to the agencies who then sabotage the mission of that agency. Like destroyers of the planet for the EPA. Or oilmen for Interior. Or incompetent XXXX for Secretary of State. Or XXXX, XXXX, XXXX XXXX XXXX for Dept of Justice. Therefore, I have no illusion that the Consumer Financial Protection Agency, hero XXXX XXXX 's super accomplishment, will actually do anything about this. In fact, you all ( XXXX appointees, I am talking to, not career workers who have to suffer ) probably got together with the big banks and made lucrative deals to stick it to the workers, consumers, and small, local banking outfits. 

But I am making this complaint anyway, because I dare you, XXXX XXXX, to actually ignore me.
I had filed an individual bankruptcy XX/XX/XXXX. I met all obligations and the bankruptcy was discharged XX/XX/XXXX. I notified the lender ( Greentree Services/Di-Tech ) via telephone regarding discharge, which they acknowledged receiving. To this date they still reference my bankruptcy on my mortgage statement and have failed to provide balances on my mortgage statement. When I filed my bankruptcy in XXXX XXXX they immediately made reference to bankruptcy on XXXX statement. What is so hard removing it from my mortgage statement. Additionally, I have called and asked for a pay-off of my first mortgage and they tell me I have to write a letter requesting this information. I should be able to obtain this info via e-mail or over the phone.
I filed for bankruptcy on XX/XX/2018. Prior to this filing XXXX XXXX never reported a collection account on my credit report. It wasn't until XX/XX/2018, that they reported this account to the credit reporting companies. My bankruptcy was discharged in XX/XX/2018. Since discharge, I have contacted XXXX XXXX, XXXX XXXX XXXX XXXX ( the original creditor ) XXXX, Transunion and XXXX  numerous times and asked them to update their records or remove the account from my report because they are reporting inaccurate information. They continue to report this account as an open active collection account as well as negative payment information for XXXX, XXXX, XXXX and, XXXX negativity affecting my credit. I was recently denied credit by XXXX XXXX XXXX  due to their false reporting, when I received the adverse action notice it listed an " Open/Active Collection Reported on Your Credit Report '' as the reason for denial. The most recent time that I contacted XXXX XXXX XXXX XXXX and asked that they force XXXX XXXX to update this account the representative called XXXX with XXXX while I was on the phone and he again proceeded to tell the XXXX XXXX XXXX rep that they have updated it and they can't help how the credit bureaus report it. They claim that they were never notified but I have attached all of my bankruptcy information that will prove otherwise that the creditor XXXX XXXX XXXX was infact notified. If this company cant report complete accurate information they shouldnt be able to report it at all.
The company froze my report then refused to unfreeze it in a timely matter. They said it would take 5 business days. They also ran me through 2 departments and an ungodly amount of verification. Balances on 5 credit cards, mortgage payment, ect. 

The problem happened with XXXX and Equifax
Midland Funding is reporting an account on my credit report. I filed for bankruptcy in on XX/XX/XXXX, and my bankruptcy was discharged on XX/XX/XXXX. This account was initially removed from my credit report, but was reinserted TWICE by Midland. It is showing a {$0.00} balance, but should not be showing at all per it is an FCRA violation to reinsert items onto a consumers credit report.
This is a continuation of Case #  XXXX .   XXXX    XXXX   XXXX   XXXX   XXXX  not respond, which is part of the original complaint. Very distressing, and appears intentional.
I would like to know, WHY,, When Anyone checks their credit report ( Hard or Soft Check, ),, their credit rating is Lowered.. Keeping track of your credit score should Not be Punished.. 
I have gotten MANY responses,, But No One knows the answer to my question ... 
This is an Upper Level Executive Question ...
Back in XXXX 2016 we had signed a contract to sell our home. Before the closing my attorney noticed there were XXXX defects in the title the assignment and the satisfaction. He faxed to Ditech servicing the loan for Greentree Servicing LLC all the information needed to correct this issue. The closing was on XXXX XXXX 2016, and the correction has not been done and there is {$10000.00} in escrow which belongs to me. My attorney and I have made numerous calls with no results.
Parties : XXXX XXXX - Plaintiff Chase Auto Finance - Defendant XXXX XXXX XXXX XXXX - Defendant My name is XXXX XXXX. I owned a XXXX XXXX XXXX XXXX with a lien and loan at Chase Auto Finance. 
My Vehicle was hit by third party on XXXX/XXXX/XXXX. XXXX XXXX XXXX XXXX insured the third party driver. 
XXXX XXXX totaled the vehicle on XXXX XXXX, XXXX. 
XXXX XXXX and Chase worked together to communicate the full payoff quote. 
XXXX XXXX paid the account in full with Chase on XXXX XXXX, XXXX. 
I received documentation from both XXXX and Chase Auto Finance on XXXX XXXX, XXXX, that my loan is paid in Full with Chase and Chase has released the lien on the vehicle. 
Several months pass by and I then received a letter from Chase stating I 'm negative on my Auto Loan. I then started receiving collection calls from Chase. I called Chase to state this account is paid in full and they say no, you owe us {$7500.00}. I state, I do not owe any money on this account, I have letters from Chase stating paid in Full and lien released. 
I then contact XXXX XXXX to inquire. XXXX XXXX Total Loss contacts Chase to conduct an investigation. XXXX XXXX contacts me XXXX XXXX to say that the error is on Chase to please contact them to correct. I contact Chase and they say no, its on XXXX XXXX to correct. 
Chase is now reporting negatively to my credit report, showing 60 days past due and delinquent. I have better credit and do n't have delinquencies except this from Chase. 
This negative delinquency on my credit report is causing me a hardship to purchase a mortgage as since this has been added to my credit my score has dropped almost XXXX points. 
No one at Chase Auto Finance or XXXX XXXX XXXX is helping in this matter. Each side continues to point the finger at one another as I get squeezed in the middle. 
Please help as I have been going back in forth with these two companies for a while now without resolution. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Texas XXXX XXXX
XXXX   XXXX   XXXX  sent a letter that threatens to take legal action on me regarding a debt. They claim to be a pre-legal account company and have stated that they will send my account to an attorney.
We have had our mortgage with Astoria Federal Mortgage Corp, recently changed to Astoria Bank, since XX/XX/XXXX. We have had an adjustable rate with this lending institution from day one and have been trying for 10 years to modify our loan to a fixed rate so it does n't continue to adjust yearly. In XX/XX/XXXX we tried for a modification, but we were denied because of lack of income and the collateral was not sufficient. But we continued to pay our mortgage for the last 10 years and have never missed a payment until XX/XX/XXXX. On XX/XX/XXXX our family encountered a true and devastating hardship. With a 2 day notice and no severance pay my husband lost his job of 15 years unexpectedly and through no fault of his own. We reached out to Astoria on XX/XX/XXXX and spoke with XXXX and she reassured us that this happens and our payments would more than likely be reduced our rolled into the end of our loan. We were hopeful. We immediately filed paperwork with the Loss Mitigation Department at Astoria. We contacted the Hope hotline and talked with a counselor, XXXX, who told us we were clearly eligible for certain programs put in place by the government to help families like our own. We also reached out to our local HUD agency and worked with a counselor, XXXX XXXX. Well after all that we received a phone call from XXXX XXXX from Astoria on XX/XX/XXXX ( but just received something in writing through an email today XXXX/XXXX/XXXX which put us past the 14 day appeal window ) that the committee would again deny us any modification because of lack of income ( no kidding ) and that they do not participate with HAMP. Lack of income is the reason we are in this situation in the first place. So at that point we were 2 months behind on our mortgage and incurred 2 late payments of {$160.00}. Our credit score dropped XXXX points in 3 weeks from excellent to fair. We are responsible people and have always paid our bills on time. We are still just trying to provide for our XXXX beautiful children on what little savings we have. We did come up with the past due mortgage amount and are now current on our loan. My husband is back working and we are trying to get back on our feet. We just want a modification so our rate does n't continue to change yearly. Sad when we have continued to pay our mortgage when they said we could n't, but with no help ever in the past 10 years, Astoria just continues to adjust our rate yearly. Predatory lending at its best ...
Was contacted by XXXX XXXX with Chaplain Financial Services who stated that I owed xxx amount of dollars and if I did not set up a payment arrangement or take a settlement offer of a lower amount then they would press charges against me. They also stated if I took the settlement offer then they would need to get my debit card information. The company is based in XXXX, GA but they use an international switchboard so that whatever state you live in is the phone number it will appear to be from. I found this out by calling the XXXX office and questioning why the number appeared to be from my state of residence, needless to say I was rudely hung up on. I had my mom send them an email requesting them not to contact me any further unless they can provide all original documentation of said matter. Also when I asked them to fax me documentation, they responded by saying their fax machine was down but they could email me the information. The only thing XXXX XXXX emailed me was a letter stating that I had paid the debt in full with a settlement agreement and that the matter was considered closed.
No matter how much I pay on the loan they say I am behind. I have paid over 15,000 on the loan in the last year or less and they say I am behind. They keep charging late fees. If I had been more than a couple of payments behind they would have been for closing and they weren't. When I call them they tell me if I don't like the way they treat me I should refinance with someone else. 

Can you help They handle the loan for XXXX XXXX I did not take the loan out with them it was sold to them and they have always been trouble. SN Servicing Corp is  in XXXX calif
Equifax refuse to send me my credit report I have done every thing they asked of me but they refuse to send my credit report.
I am writing this letter to file a complaint against XXXX XXXX a.k.a XXXX regarding making numerous request to investigate my consumer file. I believe that my Identity has been stolen because I am having a lot of issues retrieving any Credit information such has Credit Reports and Credit Score from all 3 Credit Bureaus. When companies are processing my applications for a credit card or a loan they are informing me that no credit history exist for me or that I have delinquent accounts. When I log into XXXX XXXX a message appears that my credit information does not exist and that I have to mail or fax in copies of documents so that they can review it. I have submitted copies of the following documents ( Birth Certificate, Social Security Card, Birth Certificate, Florida Driver 's License, XXXX Statement ) to Equifax and to XXXX XXXX numerous times for their review and to this day still no response. In XXXX 2015 I was approved for a Car Loan and purchased a car which I have been faithfully paying on time. I also was approved for a XXXX XXXX and been faithfully paying that account on time as well. By now having those 2 accounts should have helped restore my credit history and generate a Credit or FICO score for me.
In XXXX XXXX an apartment I moved out of was retaliating against me for some disagreements the property manager and I had to do with repairs in my unit that they refused to fix (law violation  #1) and towing vehicles. I did not renew my lease with them however, upon giving proper notice of intent to vacate, I somehow acquired a lump sum of charges (XXXX) that I was never informed of (law violation #2). For the record, I was first notified of the charges on XXXX XXXX XXXX by the debt collection agency ProCollect, 2 months after moving. The claims made against me were clearly made in bad faith. XXXX XXXX XXXX XXXX XXXX submitted no evidence to support their allegations and instead the credit bureaus and debt collections agency let a mere copy of the lease agreement constitute as evidence. I sent multiple dispute letters claiming the false statement of fact provided by XXXX XXXX XXXX XXXX XXXX. On XXXX XXXX XXXX I sent Pro Collect a final dispute letter with attachments that refuted all of their claims against me. I received nothing back from ProCollect but now this is the only derogatory mark on my credit and it is completely illegal. ProCollect has violated the fair debt collection practices act. Section 807(5) States that a debt collection agency cannot threat to take action that cannot legally be taken. Section 809(b) States that if a consumer notifies the debt-collector within the thirty day period (a) that a debt, or any portion thereof is disputed, the debt collector shall cease collection of the debt.
PRIZIM Financial based out of XXXX, OH is the rudest, most abusive company that I have ever come into contact with. I called them regarding a mix up with my auto payment not coming out and they screamed at me, sent several emails back to back, threatened me with legal action ect, sent me emails accusing me of not having car insurance and bouncing payments and all for a payment that was only 18 days behind. Prior to this I had never been behind and I have never been more disrespected when dealing with a company than I have with Prizim financial.
OnXX/XX/XXXX, I sent a letter to XXXX XXXX XXXX  ( see attached supporting documents ) expressing the errors they continuously keep reporting to the credit bureaus on my credit report. OnXX/XX/XXXX, I sent them a second letter stating that it has been over 30 days and I received and reviewed my credit reports. I informed XXXX XXXX XXXX that they had failed to place my ( 2 ) accounts in a " disputed '' status which is required by the FCRA and the FDCPA. I informed them that due to them not correcting the information, AND by them failing to place the required comments on the accounts, the information was inaccurate, incomplete, and represented a very serious error in their reporting. I ask for XXXX XXXX to correct their error by removing the accounts. On XX/XX/XXXX I received a reply from XXXX XXXX stating that since they are not a " debt collector '' they are not defined by the FDCPA and did not have to place the remakes or comply with my request. OnXX/XX/XXXX, I sent a 3rd letter to XXXX XXXX once again explaining their error, expressing the serious nature of it, and also that they are an original creditor that are bound by both laws ( FCRA and FDCPA ). I further explained, even if they were not bound by FDCPA, the violation I am stating is based on the FCRA. OnXX/XX/XXXX XXXX XXXX XXXX sent me ( 2 ) letter that were an exact copy of the first two,  basically stated they did not have to correct the error because they do not fall under the FDCPA. These ( 2 ) account has cause me great financial lost in the recent past in the form of higher interest rates on my refinance. I have paid each account off as requested by XXXX XXXX XXXX in the recent past. XXXX XXXX still failed to change each account to a " closed '' status and failed to report the correct information, as promise to the me and the CFPB in a written letter. Why do I have to continue to suffer due to mistakes made on their behave. XXXX XXXX was made whole when they wrote the debt off, and made additional money when they sold the accounts to a collection agency, which I them paid. I do n't understand why they should be allowed to be " Bullies '' when they are paid, and I am only trying to move forward in life.
I have reached out several times by mail and by internet. THESE ACCOUNTS ARE REPORTING INCORRECTLY. I have never missed a payment and i have never been late on any payments. 
I would like to see how the CRA investigated this dispute. I would also like the name and the phone number of the person they spoke to. I would also like to see a print out of the late payment history from the bank they did the investigation with. I DO NOT WANT TO SEE COMPUTER GENERATED PRINTOUTS FROM EQUIFAX, I want to see the actual paperwork they received from the bank itself. 

All of these accounts are closed in good standing -- -- If the late payments are not corrected please remove the closed accounts. 
. 
XXXX.. 
XXXX.. 
XXXX..
I have just received a notice from United Wholesale Mortgage, Notice of Servicing Transfer, for XXXX/XXXX/2016, I believe that they need to send me a notice 15 days before the transfer. I received the notice, in the mail 4 days after the Transfer ( XXXX/XXXX/2016 ). 
It is strange that the letter is dated XXXX XXXX, 2016, and there is no postmark on the envelope. If this letter was posted on XXXX/XXXX/2016, I would have received it weeks ago.
XXXX XXXX, XXXX acting as a debt collector for XXXX XXXX XXXX improperly reported my account late and we agreed to a payoff arrangement to satisfy the end of auto lease debt. The debt was incurred do to excess mileage and minor damage to the vehicle at lease end. The debt was satisfied on or about XXXX XXXX, XXXX. SRA stated that they would not report the debt to any of the credit bureaus. They did and it adversely affected my credit decreasing my credit score substantially. I was a co-signor for my daughter 's loan.
SunTrust Mortgage has not paid taxes on my property - the county is bothering the old owners of the house saying " taxes are due '' ... and will become deliquent on XX/XX/XXXX. 
I 've been in contact with SunTrust Mortgage, and they show that they did pay the taxes in XX/XX/XXXX, however, XXXX County in FL is saying that have not. 

They keep saying they are looking into the issue - however, I have not had any updates in two weeks. The deadline is quickly approaching.