WillisBack/dataset-financial-user-claim huggingface dataset:
My Name is XXXX XXXX, i paid my loan mortgage on XX/XX/XXXX to Ocwen Loan Services, LLc., then on XX/XX/XXXX i received a letter in which they congratulating me for paying the loan, and they said that within 6 Months Ocwen will send the lien release document to the county courthouse in which the property resides. then i trust them and went along with Ocwen promise, then on XX/XX/XXXX, i try to get reverse mortgage to supplement my income i found out that Ocwen never file the lien release, i have been sending many letter to tree different departments, the last department, " title search department '' send me a letter saying that Ocwen hire a third party company to investigate this matter, so fare up to today Ocwen has not file any document to release the lien. 

After i start investigating turn out that Ocwen does not have any document from the original lender XXXX XXXX XXXX XXXX XXXX XXXX, that empower or hire Ocwen to be the loans servicer nor the collector for my loan, Ocwen claim that it was the responsibility of XXXX XXXX XXXX XXXX to file the loan Assignment, but Ocwen not even have any document from XXXX XXXX XXXX XXXX  entitle them to be the loan servicer or collector no my loan, and i know this for a fact, because i have been asking Ocwen to send me a copy of any documentation they have in which XXXX XXXX XXXX  XXXX empower Ocwen to service my loans, their response is that XXXX XXXX XXXX XXXX never send them the loan assignment, and as fare as they concern it was XXXX XXXX XXXX  XXXX to send them the loan Assignment, after i heard this poor scuse, i wrote Ocwen telling them that they should never service nor collect any money from me until they have all the documentation in order, because since they do not have any document authorizing them to service the loan, that was false representation, and they were breaking the federal law " Predatory Lending Law '', and the '' California Assignment and Satisfaction of Mortgage Law '' after I pointed these to laws to Ocwen, their repay was that Ocwen hire a third party to look and resolve my problem, so far nothing has happened. 

Also i did more research and i found out that XXXX XXXX XXXX XXXX is not longer in business, on XX/XX/XXXX XXXX XXXX XXXX XXXX declare chapter XXXX bankruptcy, and they were acquired by XXXX XXXX XXXX XXXX XXXX, and it was signed off by Judge XXXX XXXX of the US Bankruptcy, central district of XXXX XXXX California, even more, XXXX XXXX XXXX XXXX XXXX they do not keep companies, they buy them and they sell them piece by piece to different Investors, and of course the investors or the new company that acquire the division of real estate loans from XXXX XXXX XXXX XXXX, they probably do not have any records authorizing Ocwen to be the loans servicer or the collector for my loan. 

My loan is pay in Full since XX/XX/XXXX, but according to the county to the XXXX county there is no liens satisfaction recorded ( i still owe the all the money ), your help will be appreciated. 

Thank you XXXX XXXX XXXX XXXX : XXXX XXXX XXXX. 
XXXX XXXX, CA. XXXX email : XXXXXXXXXXXX
i filed a complaint XX/XX/2018 i recieved a response abouy the company policy but it did not address the XXXX i paid for 23 month i paid out my contrack the tracking # XXXX thank you for help
Over a year ago I went into the process of looking into the details of my credit more closely to prepare to eventually purchase a house. I saw an account for a credit card that was apparently opened up, and maxed out. The total reported from the collection company was {$490.00}. I contacted the company- capital one- and they sent me a report of the details of the transactions. I saw that the card was only used strictly for cash advances- and when there were no more funds available- the card went unused and eventually closed. Getting the details of how the card was opened, and where it was sent to- it was disocvered that it was sent to the address I was living at previously with my ex-girlfriend- where she at the time still lived. She had access to all my information and based off the the details it appears that she was the one that opened it and used it for cash advances. Since I had proof I no longer lived at that address- and knew that I did not open that account- I filed a police report on XX/XX/2017. On XX/XX/17 I received information from the XXXX Police Dept that my report was approved and would be investigated. I confirmed with the Financial Crimes Unit today that it is still being investigated. However, even after submitting a police report to Capital One, and formally disputing it online- it still appears on my credit report and I would like it to be removed.
I have been trying to complete a successful modification since XXXX, have attempted several appeals and haven't received any resolution from the escalations department although I have reached out on numerous occasions. The escalation department nor anyone with any authority is available after XXXX Pacific time making it even more difficult to try to obtain any results. 

A supervisor today ( XX/XX/XXXX ) stated that he does not see any escalation replies on my file since their last communication of XX/XX/XXXX when they stated they will review my information and provide a written response within 15 days. However, we did receive another letter dated XX/XX/XXXX from a different department requesting additional time due to the complex nature of our situation but as of this date, no written response has come and it has been almost 2 months. This is gross negligence and is unacceptable when a family 's home is at stake. I have also been given lots of misinformation verbally by my " single '' point of contact, which we've had 3 in less than one year.

I have a pending sale date next week even though I have  been in an appeals process to the latest modification decline ( previously approved for a modification but it was falsely rescinded and now they won't approve again ). The  modification rescission, dated XX/XX/XXXX states we did not make our 3 trial payments, which is untrue and I have proof of all 3 payments. The current modification decline they state is due our net present value being too high, but this is based on errors in their calculations. This is the appeals process I have been currently trying to have resolved. 

Also, the company accepted 3 successful trial payments from us after sending a notice of default, then shortly after we received a foreclosure sale date. There are also unapplied payments and we have not received an escrow analysis. This company appears to have an ongoing history and pattern of violations, and we feel many California civil codes have been violated.
ISSUE : A Bank of America credit card in my name was charged {$86.00} in XXXX without my knowledge or consent. I was not contacted by Bank of America or a debt collector and only know of the incident because of my annual credit report. 

REPEAT OFFENDER : This is the second time Bank of America has charged me for a credit card without my knowledge or consent. I elected to pay {$100.00} in charges made without my knowledge or consent on a credit card account I did not have just to clear my credit in the summer of XXXX. 

As I politely explained to Bank of America tonight ( XX/XX/XXXX ) by telephone I feel that I have no options to resolve a clear case of identity theft and fraud. 

The Bank of America representative further advised that a savings account and checking account were created in my name in XXXX without my knowledge or consent. 

I have not had a Bank of America account in about seven years yet I still get charged with items on my credit report. Paying a debt I did not owe in XXXX made the problem worse because I accrued an additional balance and two more accounts were opened.
Equifax is reporting XXXX account number XXXX which is a fraudulent account which belongs to XXXX XXXX, not XXXX XXXX. I am attaching a letter from XXXX XXXX acknowledging the debt is hers. I am attaching my XXXX XXXX mortgage document for my previous residence of XXXX XXXX XXXX XXXX , which has my signature and the date in which I resided there. I am attaching my property tax document for my current address which shows the date in which I started residing at my current property XXXX XXXX XXXX XXXX. I have resided between the XXXX and my current XXXX XXXX XXXX XXXX residence exceeding 15 years. I did not have any affiliation with the address on the XXXX application, DID NOT SIGN and was not aware until seeing on my credit report. I have also attached an incident report from the XXXX XXXX PD. Also, I ask that I please have an extended fraud alert applied if not already there, I know I had one. I am attaching XXXX XXXX application page with the fraudulent signature which can be compared with my XXXX XXXX 's mortgage page.
I was contacted by Macy 's Fraud department XX/XX/XXXX about unauthorized charges. I confirmed that the charges were indeed unauthorized, and the Macy 's person said that a new card would be issued and that the charges removed. A new card was issued, but I continued to get billed for the fraudulent charges. When the statement came XX/XX/XXXX, I again contacted Macy 's, explained that they were fraudulent and that the Fraud department should have taken care of it. The customer service rep. said he would forward the information to the Fraud department ( they were closed apparently ). In XX/XX/XXXX, I again got a statement as well as calls, and on XXXX XXXX, again called Macy 's and was eventually routed to the Fraud Dept. The woman again took all the information, confirmed that the charges should have been removed in XX/XX/XXXX, but that now Macy 's had reported me to the credit bureau. She started an official fraud claim. On XXXX XXXX, I received a Statement of Fraud to complete, and I completed and faxed back to Macy 's on XXXX XXXX. I have proof that fax was received by their machine on XXXX XXXX. One month later, after getting another statement, I contacted the Fraud department again. I believe it was XXXX XXXX. The Fraud rep. said that I would continue getting billed until the claim was completed but that that it should be soon. On XXXX XXXX, a message was left on my home phone from Macy 's. I called the number thinking it was the Fraud dept. calling to say they had completed my fraud claim. However, after going through XXXX regular customer service reps. and waiting on hold for 1 hour and XXXX minutes, I finally was put through to a Fraud rep. She was rude, insisted that the Statement of Fraud did not get put in until XXXX XXXX and therefore it was n't yet 30 days. I explained that I have confirmation that they received my fax on XXXX XXXX and that I have verification of it. Then she changed the excuse and said that they were going through a conversion and that it would take XXXX more weeks. So, 5 months, hours spent on the phone, and Macy 's still have n't corrected an issue they knew about in XX/XX/XXXX and neglected to resolve and also is hurting my good credit as a consequence.
Woman debt collector XXXX XXXX from Caine & Weiner from Kentucky. calls my home before XXXX XXXX XXXX time asking me questions about owning a company. I told her to please remove my number from the call list and that it is illegal to call my home before XXXX XXXX she starts arguing with me. She said that she can call and it is not illegal to call my residence. In a few minutes she called back again and hangs up. I then called her back and she begins to argue with me. Illegally calling my home early in the morning is harassment and if this is their practices this must STOP.
Paypal has violated 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 attempted to dispute a charge, XXXX from XXXX of XXXX on XX/XX/XXXX, the transaction id is XXXX. However, the rep ( s ) I spoke to did not understand which transaction and reason for dispute. The first rep I spoke with insisted the transaction in question is a XXXX funds transfer on XX/XX/XXXX, a day prior, which it is not. Again, the correct transaction is noted above. The charge is a deposit on a vehicle, which I attempted to cancel. However, the dealership refused and stated deposit is not refundable. They refuse even when vehicle has not been delivered and an option on the car is incorrect. Also note, the payment amount for financing is not what was agreed to. This was explained to a second rep I spoke to, I had to call back after dealing with first rep who would not cooperate. However, I do not know if dispute was filed or not as I have no email confirmation of anything of that sort.
In light of the recent news reports of accounts being fraudulently opened without customer authorization, i.e. XXXX XXXX, Chase Bank, XXXX XXXX XXXX, etc., we feel obligated to lodge the following complaint : 1. Opened an AARP Visa Rewards Card through Chase Bank XX/XX/2016 2. Paid balances in full in XX/XX/XXXX, XX/XX/XXXX and XX/XX/2016 3. In XX/XX/XXXX we received an Amazon Visa Rewards Card through Chase Bank, for which we NEVER applied ... we feel it was sent due to our opening the AARP card and was generated from Chase Bank ... this card also had our last name misspelled 4. Payment for AARP card for XX/XX/2016 crossed in the mail and considered late 4. Due to the above action, our card was declined at grocery store on XX/XX/2016 5. On XX/XX/XXXX or XX/XX/2016, we received a letter from XXXX XXXX based in XXXX, Florida concerning an Amazon Store Card instructing us to contact them regarding additional information about the recent credit application ( again, application NEVER initiated by us and our last name was misspelled the same way as the Amazon Visa Rewards Card from Chase Bank ). We contacted them and learned that the account had been closed. 
6. On XX/XX/2016, we contacted Chase Bank regarding our Amazon Rewards Card and learned they had already billed us for a membership in Amazon Prime, again something we had NEVER authorized. Chase Bank worked with us and set up a Fraud Alert on this card. We also closed out this card. 
7. On XX/XX/2016, we contacted Chase Bank regarding our AARP card and had them set up our account with a Fraud Alert. 
8. We assumed that everything had been cleared up and our accounts were in good standing. 
9. On XX/XX/2016, we received notice from a company deducting automatic payments from the AARP account that our card was declined. 
10. On XX/XX/2016, we contacted Chase concerning the AARP card and the declined payment and learned that the mistake was on their part and was rectified. 
11. We have chosen to close the AARP account through Chase Bank as soon as the last payment has been credited to our account.
I have an ebanking checking account with Bank of America. My mother went to the bank and deposited a check that was in my name into my account. It had been sent to her house. I was charged a monthly maintenance fee of {$8.00} because my mother went to the teller to do this. 

I do n't think it 's fair that I 'm charged a fee for something which my mother did? It makes no sense to me. I have no control over whether she goes to the teller or not. I only use self-service options and receive a paperless statement so there should be no fee. 

I have tried to clear this up but BofA continues to give me the run around.
BBVA Compass authorized a charge card without my consent. I specifically asked for only a checking account and not a charge card. XXXX XXXX tried to slip in a paper to sign along with the checking account papers after I told him I did not want to open a charge card. I caught it and did not sign the contract to open a charge card. I then received a charge card in the mail. XXXX XXXX also asked if I wanted help setting up online banking. I said yes. Then he asked me where I was from and he told me he would use that information for my security question. I told him to stop setting up the online banking and I would do it myself.
I ordered a withdrawal of XXXX euros from my coinbase wallet to my bank account onXX/XX/XXXXand at nowdays I have n't seen that money. Of course I tried several times to contact the support but just automatically reply. My case number is XXXX.
Court of Common Pleas or XXXX improperly placed this item on my credit report as this was included in my bankruptcy and I should not be held liable.
I went thru the drive thru to deposit a check on Tuesday XX/XX/XXXX. When I got my deposit receipt on the back said that since I have had several overdrafts in the past 6 months, my deposit would be hold until XX/XX/XXXX. I was not informed of this before the deposit was made. The deposit was for {$5000.00} because I had several things coming out. They have charged me over {$250.00} in fees for those items hitting without that deposit. It has left me without any money for gas or groceries.
Transunion, XXXX and XXXX continue to report false information even tho I have submited the correct information to them and sent proof. I have tried over and over to get information corrected with no results. This is resulting in my credit score being in the XXXX XXXX and it should be in the XXXX XXXX. They are showing many false reports and I would like my credit score repaired and up where it should be. They do not investigate they just take whatever the credit card companys state and keep reporting it even tho it is false.
Please note that I have tried every possible way to resolve this matter amicable over the past 5 years. I have used attorneys and attempted to resolve the matter with the courts. At this moment I have faced XXXX foreclosure sales both of which i was able to stop and the XXXX is now scheduled for XXXX XXXX, XXXX. In an effort to stop this one my attorney asked me to file this complaint and if that did not work I was going to file another montion and or a lawsuit against the bank and the lawfirm for illegally attempting to foreclose on my property all teh while I have been in negotiations with both the attorney representing the bank as well as in negotiations and discussions wiht the loan servicing company. As of date i have submitted an offer letter to settle the loan in liuie of forelosure, i have submitted to the Attorney a offer letter in writting and in email format and to teh servicing company Financial information for my current fiscal year XXXX and tax information for XXXX, XXXX and XXXX fiscal years including a letter of representation from my accountant. I have email and faxed the document multiple times. As such the representative from the servicing company assured me that the foreclosure would be stopped and to this date it is still pending. I am writting to you to assist me with stopping this foreclosure procedding and investigating as I am compelled to clain that they are violating my right and potetntially ignoring my efforts to settle this matter amicable. 
As I have stated I have spent money on attorney to assist me and yet still they do not work in any minigful way to resolve the loan default status. I continue to waste money and time fighting this. I have made an offer of XXXX to settle a loan amoutn of XXXX but to now I can not get a response from any one including the attorney of record and the bank or its servicing company. 

Please not if I can not get assistance in stopping this foreclosure, i ahve instructed my lawyer to suit the attorney and the bank for violating my right under the protections granted me under teh Consumer Financial protection act. 

Best regards, XXXX XXXX XXXX
I 've been struggling to make my payments and Navient made it difficult to access certain programs to restructure my repayment. They made it difficult by allowing me to sign up for certain repayment options online, while others required printing out a form and filling it out by hand in order to sign up. I 'm not an expert, but it seemed like the options you could sign up for online would make them more money in interest. I 'm now in my second forbearance and not sure how I will be able to make my payments once it becomes current again in XXXX. 

I read an article on XXXX outlining the lawsuit the CFPB is currently pursuing against Navient and wanted to share my experience. I hope this is helpful. 

Feel free to email me at XXXXXXXXXXXX Best, XXXX
2009 Bk is now 10 years old. XXXX and Experian refuse to remove Bk from my report. Additionally they both state they have checked with Bk Court. Bk court does not report to the credit bureaus. 
It has been 10 years, my credit has greatly improved and I now own a home mortgage free. I am being held hostage by the bureaus system and want the negative removed from XXXX and Experian.
In XX/XX/XXXX I opened an IRA with Wells Fargo - XXXX XXXX. I explained at the time that I live in XXXX, but was anticipating a pension payout from a previous employer in the XXXX. I explained that what I wanted to do was roll the money from the employer, into an IRA, then make a drawdown on the IRA and have it electronically wired to my bank ( XXXX 's ) in XXXX. 

The rollover to the IRA happened in XX/XX/XXXX, as anticipated, and a drawdown was placed into my savings. When I requested to have the funds wired through XXXX 's XXXX to my XXXX 's account in XXXX, I was told this could not happen. I was then told I needed to make daily withdrawals from an ATM to get the money. I explained there were no Wells Fargo ATMs in XXXX. Wells Fargo reported that this was the only way I could get the money. Each time I made a withdrawal from the ATM, I was charged a {$5.00} fee for using a non-Wells Fargo ATM. I was also limited as to how much I could withdraw on a daily basis, to {$500.00} ( XXXX ). After about XXXX trips to the non-Wells Fargo ATM, the bank manager at XXXX XXXX increased my daily withdraw limit to {$1000.00} ( XXXX ). 

It took me all of XXXX, all of XXXX and into XXXX to obtain the funds using the ATM, which resulted in incurring ATM charges in the hundreds, which were far in excess of what it would have costs to make a simple electronic transfer to my bank in XXXX. 

I feel I was lied to from the very start! Wells Fargo should have told me from the very start that they were not able to electronically transfer the money.
In XXXX XXXX, my wife and I discovered that Express Recovery Services , Inc. in XXXX XXXX XXXX, UT was reporting negative credit information to our credit files with the XXXX XXXX credit bureaus. 

We sent a letter of dispute in XXXX XXXX and asked Express Recovery to validate the alleged debts. We received letters for Express Recovery date XXXX/XXXX/XXXX and XXXX/XXXX/XXXX that stated " Based upon the review of your dispute it has been determined that you dispute is frivolous or irrelevant based on the information listed below. 

NOT ENOUGH INFORMATION NO ACCOUNT NUMBER. '' We find it difficult to believe their response given that Express Recovery, has our social security numbers, our names and mailing address but do not have enough information to honor our request for debt validation?! 

A certified dispute and validation letter with returned receipt requested was sent by us to Express Recovery XXXX/XXXX/XXXX. 

We have not received the required 30 notice to dispute letter Express Recovery is required by the FDCPA to provide, we have had our request to validate the debt ignored and negative credit information continues to be reported to our credit files.