WillisBack/dataset-financial-user-claim huggingface dataset:
Ocwen Loan Servicing bought my loan from Litton Loan and since then, I have had nothing but problems from this servicing company. On many occasions I was told the wrong amount due, had my payments sent back to me, some payments were applied to principal rather than the monthly payment due and my escrow account always stayed in the negative, even though escrow was included in my payments to them. I had payments held in suspense at times and unjustified added fees, with overall poor payment processing of my accounts. When I would call customer service, I was always given someone in XXXX to help me. I never received any answers to my questions or complaints, for the representative seemed to be reading only by a script. 
Now, I have yet another problem with Ocwen. They are reporting to the XXXX credit bureaus excessive late payments ranging from XXXX and reporting the XXXX mortgage with a charge off on XXXX bureau and a collection on the other XXXX bureaus. There was never a CO in XX/XX/XXXX as they are stating.These mortgages were paid in full and I find their reporting to be severely inaccurate in every stage of the mortgaging process!! I can provide my attorney 's information, if needed.
Equifax add a previous deleted creditor back onto my equifax credit report creditor name XXXX I also attached a recent equifax credit reported they just mailed to me and XXXX is no longer on my report
My husband and I used TD Bank for a conventional 30 year mortgage. We stared the process in XX/XX/2018. We closed on XX/XX/2018. 

On XX/XX/2018 a document stated cash to close was {$72000.00}. On XX/XX/2018 another document cash to close was {$65000.00}. 

On XX/XX/2018, we were contacted by XXXX XXXX from TD Bank and she requested that we confirm for her the the amount of our deposit to the builder ( {$18000.00} ) and the total home price ( {$370000.00} ). We sent this to her in an email, of which will still have a copy of. We never heard anything back from the bank. 

We figured from the cash to close information we previously received and leaving some room for error, we figured the money we would need would be about {$75000.00} Although TD Bank had all the required documentation needed from us, along with the correct purchase price/ deposit ( sent to the bank on XX/XX/18 ) we never received any settlement information from them. On the day of closing, we had to contact them and request it be emailed to us. 

On the day of closing, XX/XX/2018, less than 24 hours before our closing we received several settlement statements and to our surprise the final statement was {$16000.00} more than expected! We did not receive a correct settlement statement 24 hours prior to closing. We did not receive any information about cash to close after XX/XX/2018 when we sent TD Bank the information they requested about the deposit/ home price. We were placed in a very bad situation due to the fact that TD Bank did not follow The Real Estate Settlement Procedures Act that requires that a settlement statement be given to all parties involved with the transaction 24 hours prior to the scheduled closing date. TD Bank also did not properly record the figures given to them on XX/XX/2018. We believe that is the reason why our cash to close/ settlement statement kept changing on XX/XX/2018 ( our closing date ). 

The unexpected {$16000.00} was truly needed by us for moving/ traveling expenses but in order to close we had to us it. If TD Bank would have sent us a settlement statement prior to closing, we would have been able prepared for closing/ costs due. 

We are filing this complaint after trying to work things out with TD Bank. Their response was that they did nothing wrong. We believe they did. As consumers we had to follow laws/ regulations to obtain a mortgage but TD Bank did not follow the guidelines/ laws placed on a lender. We are requesting that you look into this for us. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
COLLECTOR FAILED TO VALIDATE DEBT. ALSO WENT ON MY CREDIT REPORTS AND XXXX, AND CALL US 11 TIMES REGRDING TAX BILL PAID ALREADY.. 

THE COLLECTORS VIOLATED THE DODD-FRANK ACT!
I used their Bill Pay system on XX/XX/XXXX. The payment never went out so I had to pay a late fee and pay it again a few weeks later. Then when I called today to discuss/investigate - nobody knew who I was. They looked up my account number, nothing. My name, nothing. My zip code, nothing. I have several accounts at this bank and they have chosen to not remember who I am. Finally after an agonizing 30 minutes on the phone, the rep was able to find my account ( what a miracle ) and then denied that I ever made the payment. I have learned today that BofA is not training their people as well as not paying payments that I instructed them to do.
I was accessed a {$39.00} dollar fee on XXXX/XXXX/16 " Fee Overdraft ( XXXX At {$39.00} ) |eNotice - {$39.00} ( with a balance of {$510.00} ) that I did not understand as balances on either side of that date, as listed in my online acct page, were above the amount required. I went into a branch and though, cust. service women could not say and instead called " someone in back '' as " they see things in a different way '' quote. Say what? I thought our online view was actually what was happening in real time and the whole point of it. 

The charge the " backroom '' people stated overdrafted my acct. was due to a co. that was given my debit card info. by another co. by the name of XXXX that I had to use in order to book a campsite reservation. I read ALL notes and forms and alerts and info for that site which was super convoluted and packed with choices and dropdowns and mandatory responses about camping and personal info. & payments etc. What came later was lots of spam from this other co. called ACTIVE XXXX XXXX XXXX XXXX, Texas XXXX Their charge showed up DBT Purchase XXXX Tx XXXX ( 3 ) weeks after the camping was long over and is a membership I never signed up for and never opted out of because I never read their spam mail in the first place. I did all the research myself. I thought maybe would have had a little more help from the bank. She stated that it seemed legit or from a swiped card and that since the co. listed a phone it was probably not a result of illegal usage but it actually WAS! 

Best, Thanks! 
XXXX
Pay Pal put a TRICK credit card authorization in the middle a routine ebay transaction and opened a credit card account that I did n't want or even know I approved. They wo n't close it or take it off my Pay Pal Account.
On  XXXX   XXXX ,  2017 I f iled a complaint against your company to remove FALSELY reported accounts from my credit report.     On  XXXX   XXXX ,  2017 I filed  a follow up complaint because you too more than 30 days to perform a validation and provide a method of verification. You have failed to do so in the interim and are in violation of the settlement reach by the lawsuit filed against your company by the Attorney General.     I demand that the below files be removed from my credit report immediately.    1.  Chapter  XXXX  Bankruptcy  2.   XXXX   XXXX   XXXX   3.   XXXX   XXXX   XXXX   4.    XXXX   XXXX   XXXX   XXXX   XXXX   5.    XXXX    XXXX   XXXX   XXXX  6.  XXXX   XXXX   XXXX   7.   XXXX   XXXX   XXXX .     I have attached the settlement.
Equifax got hacked and my information was part of the information that got hacked. Fantastic.
I recently received a copy of my credit report and notice a derogatory account for {$4600.00} that shouldn't be there. I disputed this account with all three credit bureaus by mail. On XX/XX/XXXX this account has been removed from my XXXX credit report as unverified but it still remains on my TransUnion report. After another dispute this account Still Remains I tried to explain to the representative at TransUnion that this account does not belong there and it has been removed from XXXX. The representative advise me that he cant remove it and stated this is TransUnion not XXXX. After another dispute I received the results on XX/XX/XXXX and this account is still on my report.
I had my identity stolen and credit cards were used without my authorization. I filed a police report and contacted the companies that had accounts opened without my authorization. Most of the companies worked with me and removed the accounts from my credit report but one did not they have since sold the debt to a collection company. I 've tried to resolve the issue with the credit card company and do not want to pay something that i did n't use but they still report the charge off on my credit report and its effecting my ability to get the best rates on loans.
West Asset Management continues to call both me and my wife regarding a hospital bill from XXXX of 2013. This debt was included in a Chapter XXXX Bankruptcy and they were notified of the filing XX/XX/XXXX. They did NOT appear at the XXXX hearing on XXXX XXXX, and yet are still calling both of us as of XX/XX/XXXX. They have called my wife both at work and on her cell phone. We do not answer the calls, but have traced the number to them.
Recently I have discovered some discrepancies with my Credit Score reporting by XXXX to my XXXX XXXX XXXX credit card. I 've been working on this issue, and XXXX mailed my corrected report and score to me just a couple of weeks ago. At this point I checked on two of my credit cards XXXX & CapitalOne which use XXXX service ( run by CapitalOne ) to provide their customers with access to their credit scores. According to XXXX, they get their info from XXXX, but the score they show is completely different from what was sent to me by XXXX, as well as two loans incorrectly reported by XXXX as Personal Loans are actually Parent-Plus Student Loans as correctly shown by XXXX ( see attached ). I have contacted XXXX and XXXX card about these issues via messaging on their Web Site, but as you can see from their answer ( see attached ) they dont even bother to read their customers messages. CapitalOne just sent an email to me with a statement " No changes to your credit report '' ( see attached ), which means XXXX did n't even bother to check my info against what XXXX shows ... I am not aware of any other way of contacting these people, and mistakes like these can cost me a lot of money. Please help me convince XXXX associates to do their jobs as well as XXXX and CapitalOne take seriously their responsibility to their customers. I find it highly disturbing knowing that my financial well-being is in the hands of somebody who cares so little they dont bother to even read my 3-sentences message. Something really should be done about it.
On XXXX XXXX, XXXX I obtained a new XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX, MI and during the transaction, turned in my XXXX XXXX XXXX in accordance with my lease agreement. The vehicle had no damage and XXXX XXXX took custody of the keys and secured the vehicle on their lot. 

Approx 1 month later I received a bill from Chrysler Capital for {$940.00} with the only explanation being " Excess wear and tear : Body Damage ''. Upon speaking with XXXX from Chrysler Capital on XXXX XXXX, XXXX I requested a detail of the damages and received same on XXXX XXXX, XXXX. 

The damages listed are from a report taken XXXX XXXX, XXXX ( more than 1 weeks after I turned in the vehicle to XXXX XXXX ) at a location in Ohio ( a different state more than XXXX miles from XXXX XXXX ). The report alleges damage that was not present on the vehicle at the time of turn in. 

Chrysler admitted that they failed to do an inspection in a timely manner ( a week later ) but failed to admit that they drove the vehicle out of state prior to the inspection.
I am requesting the removal of these bankruptcies ( below ) on my Equifax credit report due to their failure to provide me with verifiable proof required for their company to post the accounts. Listed below is evidence that it does not exist and therefore is proof that they can not properly verify the accuracy of any of the disputed account. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they were required to promptly delete all information which can not be verified., Equifax has violated the Fair Credit Reporting Act ( FCRA ). Furthermore, I disputed this inaccurate information on XX/XX/2018 and XX/XX/2018. I also contacted the bankruptcy court via mail and they stated they do not correspond with credit bureaus and never verified this information with Equifax, which documentation of said information by the Court is attached. Due to the inaccurate information on this bankruptcy and I asked Equifax to follow suit in which they did not and continue to report this unverified inaccurate information on my credit report. Attached are documents supporting my aforementioned claims against Equifax and its imprecisions.
We have " Old '' XXXX bonds in our IRA accounts. 

There have been some disappointing distributions. 

We fear that the choice of the Wilmington Trust to represent the bondholders ( we had no input ) is another political mistake. 

Wilmington Trust appears to be interested in drawing out the liquidation process and making huge fees from those of us that have already taken a loss. 

Please investigate what is going on ( or not ) with the " Old '' XXXX liquidation and distribution process. 

We are still waiting on bondholder distributions while Wilmington & XXXX liquidate XXXX securities that should be given to the bondholders. 

Order Approving Motion to Liquidate Securities, Use Dividend Assets and Extend the Duration of the XXXX XXXXOn XXXX XXXX, 2015, Wilmington Trust Company, as Trust Administrator and Trustee, filed a motion with the Bankruptcy Court for the XXXX District of New York seeking entry of an order ( i ) authorizing the XXXX XXXX to sell certain New XXXX XXXX ( and use dividend cash received in respect of such New XXXX XXXX ) for the purposes of funding projected costs, fees and expenses of the XXXX XXXX, and ( XXXX ) extending the duration of the XXXX XXXX. The motion was approved by order of the Bankruptcy Court on XXXX XXXX, 2015. A copy of the motion and order can be found here. 

It is sad that there is no oversight by the administration to insure that bondholders get paid. 

Please see what can be done about getting payment for XXXX bondholders. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX / Home
I fell behind on my mortgage after my wife became ill and the medical bills began to pile up. I was forced into bankruptcy and the payments are overwhelming. I hired an attorney to assist me in applying for a loan modification with my lender, SLS. My attorney submitted my complete financial package to SLS in XX/XX/XXXX ( Approximately XX/XX/XXXX ). My attorney has been calling SLS every week to follow up and provide any additional paperwork they may need. My attorney states they have been very diligent in providing all paperwork on time and confirming all paperwork was received. I was also informed by my attorney that servicers such as SLS are no longer allowed to " evade '' and stall the review process ( RESPA Regulation X ). I feel my servicer has done just that. Today is XX/XX/XXXX and my application and all paperwork has been submitted by my attorney. The most recent note are attached to this complaint. Just today SLS told my attorney that they were going to deny my application for missing paperwork. Today it has been over two months since I applied. All paperwork that was requested was supplied in a timely manner ( At most within a few days of it being requested ). SLS is playing games, dual tracking me, evading review and stalling when they have enough information to make a decision. I am on a monthly payroll. I only receive one check a month and that is it. My wife gets a very small income from royalties and other than that our application is very simple. My attorney states SLS is doing this on purpose to force me to get frustrated and just give up my house. This appears to have broken the RESPA laws and I would like the CFPB to look into it.
Deposited my payroll check on XXXX XXXX. Funds were placed on hold until XXXX XXXX ; checked account on Friday, XXXX XXXX and saw that an additional hold was placed on my check until the following Friday. Contacted Bank of America and was told they could not do anything ; I was not informed of the hold ahead of time, and I scheduled payments for Monday, XXXX XXXX, which have subsequently been returned, and drawn my account further in overdraft.
I am a victim of identity theft but did n't know it until I receive a notice of garnishment from a company named Greater California Financial Services ( GCFS ). I called multiple times advising that i was a victim of identity theft but it lead no where. I recently provided a copy of a police report and an FTC identity theft form to GCFS but was advised by account representative XXXX on XX/XX/2017 that even though they received my dispute documents they were not going to do anything with them, only to note the account. I was advised by XXXX that they would only accept the police report if it stated who committed the identity theft and that they were caught. I tried explaining that as the victim I have no idea who that would be and that would be a police matter. I asked XXXX how is it possible that I have to solve the crime of identity theft for GFCS to take my dispute seriously. XXXX stated not his problem. I advised XXXX that under the FDCPA guidelines and the CFPB, my dispute would have to be responded upon. XXXX stated he does n't agree with the CFPB regulations and that they change heads all the time and GCFS has been here for 10 years and will not be going anywhere. It became apparent to me that GCFS does n't care to follow any dispute regulations. XXXX at one point stated that a default judgment is proof enough for them and the burden of proof is now on me even though I provided a police report with an FTC identity theft form. XXXX even stated I should hire an attorney and make GCFS pay many court fees which I found his sarcasm disheartening. I advised XXXX that I would be filing a regulatory complaint to which he stated go ahead.
Transunion customer service would not help and take care of the Unauthorized negative inquiries reporting to credit report. 

Unauthorized inquiries desired to be deleted XXXX XXXX XXXX XXXX   Inquiry Date XX/XX/XXXX Inquirer Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Inquirer Info XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Date XX/XX/XXXX Inquirer Info XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX   XXXX Inquiry Date XX/XX/XXXX Inquirer Info XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX National Credit Cards/Airlines Inquiry Date XX/XX/XXXX Inquirer Info XXXX XXXX XXXX   XXXX, XXXX XXXX ( XXXX ) XXXX
collection consultants has been reporting my account XXXX. XXXX the credit agency XXXX i have spoken with them many times and request original documentation to show why and how i owe this money they are not able to produce any documentation to verify my debt, i have also requested from credit agency to please provide verifiable proof or remove it from my file. and it did not happened
XXXX XX/XX/XXXX, I contacted Loan Depot ( XXXX ) regarding my desire to refinance my current mortgage, which I obtained in XX/XX/XXXX. I spoke to XXXX ( their rep ) and told him that I live in Texas  and that my current mortgage is in my name only and I wanted to do the same again. I got married after I opened my current mortgage but because my wife 's credit was not too good, I want to do this loan in my name only. Shortly thereafter, I was told by Loan Depot to get my home appraised & to get a termite inspection. On XX/XX/XXXX, was home was appraised and I paid him {$470.00} out of my pocket & was told the cost of the appraisal would be reflected in the loan when I close. The termite inspection was {$65.00}. Today, XX/XX/XXXX, I was told ( by XXXX ) that because was income ratio was not good enough to qualify for the loan, I would need to pay off my step-daughter 's car loan, and I AM NOT even signed on that loan. XXXX indicated that because this was a federal or VA loan, they must consider my wife 's debts because Texas is a community property state. They ( the VA ) consider her debts against my expenses, but not her income. I should have been told this on XX/XX/XXXX, when I initially requested the loan because I told XXXX of my desires then. If I was told this when I applied, I would have cancelled the loan request & never paid for a home appraisal, or the termite inspection.
My account at Fed Loan Servicing was setup with " paid ahead status '' and 9 of my payments were n't counted towards Public Service Loan Forgiveness. It took a Fed Loan Servicing Borrower Experience Advocate to escalate my case to a PHEAA Consumer Advocate to get things resolved. He eventually got the ok from FSA/Department of Education to have me pay {$190.00} to have the 9 payments come into compliance and count towards the 120 needed for PSLF. Connecticut Senator 's office was also  involved. I was surprised to learn that Dept of Education 's Ombudsman was subcontracted to XXXX, XXXX in Kentucky. Three CFPB cases were opened on this matter : XXXX, XXXX, XXXX. Thanks to XXXX XXXX at Fed Loan Servicing, XXXX XXXX at PHEAA, XXXX XXXX at Senator XXXX 's office for their help in this matter.
An account on my credit report has a mistaken date. I mailed in a debt validation letter to allow XXXX to correct the information. I received a letter in the mail, stating that Experian received my correspondence and found it to be " suspicious '' and that " I did n't write it ''. Experian 's letter is worded to imply that I am incapable of writing my own letter. I was deeply offended by this implication. 
I called Experian to figure out why my letter was so suspicious. I spoke to a representative who was incredibly unhelpful, She did not effectively answer any questions I asked of her, and she kept ignoring what I was saying regarding the offensive letter and my dispute process. I feel the representative did what she wanted to do, and I am not satisfied. It is STILL not clear to me why I received this letter. I typed this letter, I signed this letter, and I paid to mail this letter, yet Experian willfully disregarded my lawful request. 
I am disgusted with this entire situation, and I would like for my dispute to be handled appropriately, and I would like for an Experian representative to contact me and give me a real explanation for this letter.