WillisBack/dataset-financial-user-claim huggingface dataset:
This gentleman called me and asked for personal information without disclosing who he is or what it is he wants. Did not tell me which company he was calling from or who he was representing and would not say so until I gave him my personal information. 

The reason I know the name of the company and what they do is because I got their number and returned the phone call where they said the name of their business on answering the phone and then looked them up on the internet.
I went through a divorce where I was awarded the home through separation agreement and the final divorce decree. Ocwen mortgage directed me straight down a path of ruin, I was told by OCWEN I could streamline my mortgage through modification and remove my former wifes name. I made the three trial payments only to be told the assumption was not possible. I have been through the ringer with Ocwen, they are going to have it there way. I had a direct conversation with the customer service department where I specifically asked " IS THIS THE RIGHT WAY TO GO ABOUT GETTING MY FORMER WIFE OFF THE NOTE : the answer was : YES!!!! 


Ocwen had the separation and final divorce decree before starting the modification process, the recording proving what Ive said is being held by Ocwen stating, recorded calls are for quality only but offered me a letter of apology. 

My 3 trial payments were sent to old due dates, I'm not sure they were even behind, now I have to reinstate my loan with a large payment amount only because they directed me down this path, hide information and change the rules to benefit them I've written to XXXX XXXX and his office is opening up communication with Ocwen to get to the truth I fear foreclosure here
Monday, XXXX XXXX, my car was repossessed from the parking lot at work. I pay my loan through Fifth Third Bank, and have made regular monthly payments ( plus extra ) for the agreed amount when I purchased it. According to the bank, I did not have full coverage insurance ( which I did. They had my policy number on file when i called to investigate. ) they then said they had sent me letters, but they had miss-typed my address by XXXX digit, so i did not receive any notice. In XXXX, 2015, I was made aware of the insurance issue, told them that there must have been a misunderstanding and had the declaration page faxed to them and also XXXX to my work ( which I still have on file ) I faxed over the same information on XXXX XXXX. The insurance branch reversed the charges accumulated, but collections still demands i pay all of it including : {$1200.00} for what i supposedly owe, {$89.00} for late fees, {$560.00} for the repossession fee, and any extra fees for me to release the car from the lot. There are several complaints similar to this XXXX on the internet that i have read in regards to Fifth Third Bank. I have personal property in my car. I do n't know how or why things have gone to this seeing as how i have made my payments every month. I do n't know how I will keep my job that is XXXX miles away. And I also do n't know if I will continue to be charged after my car may be sold off. Please help if you can.
I have made an agreement to pay my loans after a 45 minute phone on XX/XX/2018 ( my birthday no less ) via automatic debit. The first of these debits was to have taken place per the authorization I agreed over the phone and per the document dated XX/XX/2018 mailed to my residence. It is now XX/XX/2018 and not automatic debit has not been taken and I am receiving emails the payment plan I did not qualify for. The company can not be reached by phone and by logging on to the website nothing is reflecting the agreed to payment plan. By all indications this reprehensible company is backing out of agreement that had to go to a manager whom gave no indication could not go through. This company needs a serious review of whether they should be operating.
My taxes were taken from me due to Navient showing my loans are in default sinceXX/XX/XXXX Navient has not reported that I made payments on these accounts. I have a payment history with Navient that I keep on file to show that payments have been made. When I first called them on Tuesday the XX/XX/XXXX they said I needed to send proof of payment and they would review it and if it checked out they would reverse my tax refund of {$1600.00}. I sent it certified mail that day. I waited 3 days after I got confirmation of them receiving it and called again. The lady who answered said my payment history shows I clearly have been making payments but she couldn't do anything for me. I am very frustrated not only because I was counting on that money from my taxes but also to find out my loans ( that I have been paying on ) have been in default sinceXX/XX/XXXX. It is not easy paying that money every month but I make sure I do so the loans do not default. It has been a stress on my life, and when I don't get my taxes even though we are struggling to do the right thing and find out my loans are in default on my credit report????? I need help in this matter please.
As per attached letter, Citi admitted that it obtained access to my credit report without my permission. It also stated that it would remove the inquiries back in XXXX. After speaking with the credit agencies, only Citi can remove these inquiries. Please remove them asap. I will hire a lawyer to sue Citi for accessing my credit report. This is illegal.
ON XXXX XXXX I CHECK MY EQUIFAX CREDIT REPORT AFTER HEARING OF THE BREECH IN THEIR SECUIRTY SYSTEM. I FOUND OUT THAT I HAD THREE ACCOUNTS ON MY REPORT THAT WASN '' T MINE. SO I SUBMIT A ONLINE DISPUTE ON XXXX XXXX. EQUIFAX NOTIFIED ME THAT THEY VERIFIED ACCOUNTS WAS MINE IN XX/XX/2018. MY SECOND ATTEMP ON XX/XX/2018 I SENT EQUIFAX A WRITTEN DISPUTE ASKING EQUIFAX TO SEND ME VAILDATION OF THESE ACCOUNTS WITH PROOF OF SIGNED CONTRACTS .ALSO ASK THEM TO GIVE ME THE NAME OF THE PERSONS AND SIGNED CONTRACTS OF WHO VERIFIED THESES ACCOUNTS. EQUIFAX REFUSED TO PROVIDE ME PROOF. 

ON XXXX XXXX EQUIFAX AGAIN SAID THE VERIFIED ACCOUNTS AND DID NOT SEND ME PROOF OF ANYTHING. NOTHING WITH MY SIGNATURE ON IT, NOT CONTACT INFORMATION OF ANY PERSON WITH THE COMPANIES THAT SO CALLED VERIFIED AND THE CONTINUE TO REPORTING NEGATIVE ITEMS. 
IN XXXX EQUIFAX NOTIFY THAT THEY VERIFIED IT AGAIN AND ONCE AGAIN THEY DID NOT PROVIDE ME PROOF LIKE I REQUESTED FOR THE SECOND TIME,. 

ON XXXX XXXX FOR THE 3RD TIME, I REQUESTED AGAIN FOR EQUIFAX TO PROVIDE ME PROOF OF VALIDATIONS OF ACCOUNTS. ON XX/XX/2018 EQUIFAX NOTIFIED ME AGAIN WITHOUT PROVIDING ME PROOF. I HAVE JUST INGORE MY REQUEST TO PROVIDE PROOF. 

THEY NEVER PROVIDE ME WITH NO PERSONS NAME, OR CONTRACTS WITH MY SIGNATURE ON IT. I FIND THAT THEY ARE NOT VALIDATING ACCOUNTS. 
SO I ASK THEM AGAIN TO PROVIDE PROOF OF THESE S ACCOUNTING BELOW, IF THEY CANT PROVIDE CONTRACTS WITH MY SIGNED SIGNATURE I DEMAND EQUIFAX TO REMOVE THESES ACCOUNTS FROM MT CREDIT REPORT IMMDEDIATELY AND SEND ME A NEW CREDIT REPORT XXXX 

XXXX 'S XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I have notified Experian several times that the following information do not belong to me. Please assist me in getting this matter resolved. I never lived on XXXX and I never filed bankruptcy or event attempt to file bankruptcy.
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX/XXXX XXXX ; XXXX/XXXX XXXX ; XXXX/XXXX  XXXX ; XXXX XXXX and XXXX XXXX XXXX
Due to financial hardship contacted XXXX to obtain mortgage assistance in XXXX 2015 *before mortgage was late. Submitted workout package in XXXX 2015, received misleading information from Loss Mitigation Department advising that account must be XXXX months past due prior to approval. XXXX XXXX, 2015 received denial for forbearance, repayment plan or any other type of assistance. On XXXX/XXXX/2015, Submitted 1 month payment. Received no calls or correspondences. I checked account via online and noticed that it was not credited. Contacted XXXX and was informed that it was returned by XXXX via USPS mail on XXXX/XXXX/2015. I continuously called every day to check on the status and they repeatedly stated it was returned on XX/XX/XXXX via USPS mail. It was credited to my bank account on XXXX/XXXX/2015. Then, XXXX demanded XXXX months payment by XXXX/XXXX/2015 to stop acceleration process. Payment made on XXXX/XXXX/2015 ( {$3600.00} XXXX. XXXX sent certified letter stating that they are going to foreclosure on our home and demanded another {$4000.00} to avoid foreclosure. Documentation provides XXXX different toll free numbers for assistance. Called all XXXX numbers and each number is to a different company : Dovenmuhle or XXXX. Receiving phone calls up to XXXX XXXX a day. Answer each call and the representative tells us to disregard call. I would like resolution and an honest answer from XXXX and Dovenmuhle on what is the status of the account and if they plan on working with an active duty service member on a repayment plan. I 'd appreciate a cease to the threatening daily letters and phone calls considering that I have met all of their demands to date and unfortunately they have not honored their agreement.
I received a voice mail from a case investigator XXXX out of XXXX county stating he received an affidavid or documents that he believed to support an order for me to appear in XXXX County Superior Court for investigation of check fraund and that I needed to contact him to sign some paperwork. The investigator did leave a number which I called and inquired to find out why I was being called for an alleged check fraud and could they give me some answers. I spoke with a woman by the name of XXXX or XXXX at ex. XXXX. She did n't have all of my information right but did have my email and some personal information ( mother 's first name, brother 's phone, etc ) I then gave her the last XXXX digits of my social security # to see if I could get more answers but little did I know I was then giving an ultimatium of paying {$1000.00} to a lawyer of some kind or go to court and pay over {$3000.00}. I asked if she could send me a copy of any document showing my name or signature on a payday advance loan. I received an email which I had forwarded to a friend who did some research and found out that the number attached to the email had been flagged for potential scam artist. So, I then called the XXXX Police Dept. to find out if I had any warrants out for my arrest which came back negative. When I told the XXXX why I was calling to find out about the warrent he told me to contact the local FBI and report a possible scam being done. Unfortunately, I do not have the name of the lawyer that I was apparently going to pay off, but I do have a copy of the letter that the rep sent me via email which I will attach.
Do n't ever recall having or doing anything in my life with XXXX banks or credit cards!
I.C. Systems continues to call me and send letters requesting a balance for XXXX XXXX XXXX that I do not owe as it was never set up nor installed. I have a CANCELLATION CONFIRMATION NUMBER FROM XXXX XXXX proving I have a XXXX balance and that an account was never set up. The ACCOUNT CANCELLATION NUMBER GIVEN TO ME BY XXXX XXXX IS : XXXX. I have mailed XXXX letters asking them to cease communication and validate the debt and they are unable to provide me with this information.
I was trying to figure out how these address on my credit that are not mine. This is very annoying for my job verification. The addresses below are showing on my credit report and are not mine. I need them deleted asap. I live at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. Please remove all other XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX   XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have old or unrecognized numbers showing on my XXXX XXXX report pleas ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
I submitted a dated written statement that described the emergency, specifically modified the waiting period from three days to two hours with my signature as the sole primary liable on the legal obligation in accordance with 12 CFR 1026.19 ( f ) ( 1 ) ( iv ) " Consumer 's waiver of waiting period before consummation '' to Navy Federal Credit Union regarding mortgage loan XXXX. Navy Federal Credit Union refused to recognize my legal right to modify the waiting period resulting in the fruition of the emergency I was trying to avoid. Their refusal to acknowledge my consumer right directly resulted in a bona fide personal financial emergency coming to fruition.
on XX/XX/2018 we visited the XXXX  dealer in XXXX and we were sold a XXXX   XXXX   XX/XX/2018 the price negotiated was {$27000.00} dollars out the door total, when it was time for the financing the finance manager scammed us and sold us the car for over {$37000.00} a car not worth more then $ XXXX dollars market price as it was listed on the sticker price of it, and the finance manager did not disclosed any of that to us and explained in details what he was doing, instead he kept with his pressure and selling us a 1.9 % rate when he basically defrauded us out of {$10000.00} dollars and took advantage of us as we did not know what we were been scammed, until we gave the paper work to our brother in law who saw all the fraud and went with us to the dealer and confronted the sales manager and crooked finance agent, we rescinded the agreement for legal cause fraud and bad faith high pressure sales tactics and left the car and keys at the dealer, they have continued calling every one and harassing us and other family members despite us telling them that were not going to allow them to defraud us. these sales man at the dealer are a bunch of suit up crooked unethical white collar criminals defrauding citizens with the conspiracy of the nissan motor acceptance corporation.
Equifax incorrectly " verified '' an error in my credit report, and did not fix the error upon my dispute. This regards my home mortgage account. 
In XXXX 2016, XXXX of XXXX, XXXX purchased my loan from XXXX XXXX of XXXX, XXXX. XXXX was previously the administrator of the loan. 
The EQUIFAX credit report of about XXXX XXXX, 2016 listed this account as XXXX separate accounts, with XXXX different monthly payments. Upon my dispute of this situation, EQUIFAX says that their accounting is correct - that I have XXXX mortgage accounts outstanding that " belong to you ''. The address and phone number for XXXX XXXX provided by EQUIFAX is now defunct. 
It is my understanding that the original error may have been with XXXX, but EQUIFAX is responsible for not responding correctly to my dispute of the error. I am told by XXXX they fixed the problem internally on XXXX XXXX, but on XXXX XXXX EQUIFAX sent me an erroneous conclusion. 
On the attached document from EQUIFAX , please note the last payment of {$3100.00} is incorrect and listed as XX/XX/2016, while the " last activity '' is listed as XX/XX/2016. Since XX/XX/XXXX, I make a single monthly payment of {$3000.00}.
I am a victim of identity theft. I checked my credit report and found that this company has submitted a request to view my credit report without my consent. Whatever application that was submitted that caused this company to pull my credit was submitted as a result of fraud. My apartment was broken into and several identity documents were stolen. I have attached a copy of the police report I filed. 

American Express has responded to my previous dispute saying that they deleted the inquiry and that they would not respond to any more disputes because they had deleted it. It is not deleted. It is still being reported on my XXXX report and I have contacted XXXX and was told that American Express has NOT informed them to delete the inquiry. The inquiry date is XX/XX/2017.
In XX/XX/XXXX I was involved in a Car accident. The XXXX XXXX which worked for XXXX XXXX had no insurance. He was a XXXX. I only had liability with my insurance company XXXX XXXX was the company. They would n't do any thing because I was n't at fault and only had liability insurance. I made the repair and charged it to my credit card and figured I would be reimbursed. The company did n't. I advised XXXX XXXX XXXX about the situation and figured they would assist and they did n't I gave them all the information. That is insurance companies the other drive etc. They factored the debt. Now XXXX years have passed and they are still bugging me. Furthermore, I just received a letter just as my credit was being reestablished. This was resolved back in XX/XX/XXXX and now it is reappearing and I 'm not sure why because according to the Fair Credit Reporting act time has expired.
I recently received a year end statement from Nationstar Mortgage. Since the company will not answer any question and outside of this year end statement, no information was given too me when requested, I am requesting to know when Nationstar acquire my servicing agreement. I am requesting to know is the legal owner of my mortgage. XXXX loan servicing could not prove not only who is the legal owner, but also provide proof of transfer of ownership and the secruritization trust to the purchase of my property. Thank you
XXXX has again continued to refuse to remove MISSING public consumer credit information in violation of the new rules imposed as of XX/XX/XXXX : " The big three credit bureaus XXXX, XXXX and XXXX will no longer report a tax lien or civil judgment on a consumer 's credit report unless it includes the person 's name, address and either Social Security number or date of birth. Existing liens and  data missing this information will be expunged. '' I have provided irrefutable proof that the information found on my consumer credit report is inaccurate because it is in fact missing the required data. XXXX also refuses to provide me a copy of the original legal document supposedly issued to me containing my name, SOCIAL SECURITY NUMBER, birth date and/or address. Therefore, these state tax liens must be removed as they are invalid and inaccurate. 
I am not the only person with the name listed on these documents. XXXX is using a third party source ( LEXISNEXIS ) to verify this information. 
Here is the response received from them ; " XXXX has reviewed the complaint and its records. Please be advised the creditor verified the Tax Lien case numbers XXXX and XXXX correct as reported. '' This is a complete lie. The state of North Carolina and the XXXX county Clerk of Court does not provide tax information to credit bureaus ( I sent them a letter from the NC Dept. of Revenue stating such ). The 3rd party source 'verified ' this information inaccurately and illegally yet XXXX is regurgitating the information as a fact in direct, blatant violation of the newly imposed rules.
XXXX XXXX XXXX has willfully reported to the credit bureaus an account without first verifying if the alleged debt is mines by properly sending correspondence to verify the debt. They claim they mailed correspondence which I never received by mail. USPS has lost mail in transit due to carrier mail issues. I have spoken with the local supervisor from the USPS for XXXX and it was confirmed scanned informed delivery which I get a preview of mail was lost in transit. XXXX  XXXX XXXX is stating I called them and I did inform them I had seen a scanned image of upcoming mail but the mail was lost in transit and never delivered to my mailbox. Under federal law I have a right to dispute all alleged debts. I received a uploaded document from the CFPB from them and immediately disputed the debt as involved in fraud case by mail to them. They have failed to remove the reporting from the credit reporting agencies. Under provisions of the federal law the FDCPA states, the if debt collector does not verify the debt, it is not allowed to continue collecting the debt from you nor can it sue you or list the debt on your credit report. XXXX XXXX XXXX is assuming the correspondence was received which it was not. I discovered the actual alleged debt from an uploaded document they sent again to the CFPB. This is now my second attempt for them to comply to the law. After the the fourth attempt I will be seeking other legal remedies. This company from numerous XXXX   complaints have a history of ignoring federal laws and continuing collection activities this is why I am getting the CFPB involved in https : XXXX
Wells Fargo continues to re-order transactions and delay deposits on my checking account. I reported them to you months ago with no meaningful action taken. Due to these corrupt banking practices to increase revenue for Wells Fargo through late fees, I go negative or I can not maintain a minimum balance in that account. Now, Wells Fargo is taking that information to try and reflect that I am financially irresponsible and applications for credit have been denied based on this slanted information. My non-traditional credit score is also determined by my bank account history. Not only have they made hundreds, if not thousands off of late fees due to re-ordering transactions and delaying deposits but now, they are ruining any chance I have at building credit or obtaining a loan. At what point is a banking institution truly held accountable? Never? How many fines has Wells Fargo paid for this very practice in different states? The answer is XXXX. Yes, I can leave the bank but the damage their practices have caused will follow me. I am revolted by the sheer lack of inaction and carelessness. Wells Fargo is preying on those most financially vulnerable in our society and nothing seems to stop them. I 'll leave you with a final thought, at what point, do the American people lose all faith in banking institutions because the corrupt are rewarded again and again for their corruption?
I am trying to refi my current loan that is with American Education Services. About 5 years back, AES transferred my account to a new account and in doing so my name dropped of the loan account. I was the primary loan holder and my father was the cosigner. I have been paying this loan for the entire time. Now that I am trying to refi the loan, I am being told my name needs to on the loan. I call AES and tell them this needs to be fixed and they tell me they can not give me any info regarding my account. They say my SSN is correct but I am not giving them the correct birthdate. I give them my father 's birthdate and that is not correct either. They asked me to fax in my driver 's license which I did on XX/XX/18 and explained that they need to fix this ASAP as this is their system error and my refi paperwork is on hold. I just called them today and they say they still have not received my fax and will not help me. This is ridiculous customer service. All of these system errors are because of them, not me. How do I even know this is my loan?