WillisBack/dataset-financial-user-claim huggingface dataset:
Am a licensed Realtor representing a seller in Ohio who is in the process of a short sale withOcwen. I am having difficulty with their XXXX division however when I speak to someone in the US I get results. Have been given approval on short sale but needed extension on closing. Have rec 'd numerous emails from Ocwen asking for the same docs they already have. Every time I send the newly signed ( requested docs ) to XXXX I get messages that they ca n't read the attachments or faxes. Very frustrating to both my seller and the buyer. Is there anything you can do to help us? This is taking way too long and I do have extensive experience handling short sales so it 's not a failure on our part. 
Need compliance!
I've contacted XXXX about fraud. XXXX XXXX XXXX  / XXXX XXXX XXXX added a XXXX  XXXX line of credit, that was fraudulently obtained in my name, to my credit report. A police report was filed and all 3 credit bureaus notified. The XXXX XXXX account ending in XXXX was removed but XXXX XXXX XXXX has added it back to my credit profile with themselves listed as the creditor. 

Equifax stated they can not find a credit file with information I submitted to them. I've attached the police report and supporting documents outlining the fraud.
A collection agency has a collection with my name as the user for XXXX XXXX, I never had XXXX XXXX and its not Associated with any of my known addresses. Its not my bill.
I checked my 3 credit reports and saw inquires from auto companies. I tried to call the credit bureaus to dispute the inquires on my reports. I was told they can not dispute inquires, but to contact the companies. I wrote letters to each company that was on my report that I didn't authorized. I mailed them certified by us mail on XX/XX/XXXX and put current licences and copy of ss card. I got letters back from Capital One Auto Finance for all the different car companies that is on my credit reports as inquires. It says my Social Security Number was confirmed with all the inquires, they did not send anything I signed just a letter saying they confirmed with ssn. The letter also says if I believe its fraud and to dispute it I need to mail in several items like police report, application reference number, signed letterhead from the dealership requesting inquiry. How am I suppose to produce this info if Ive never went into a dealership to apply for a car loan. Some of these inquires date back to XX/XX/XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NATIONAL CREDIT SYSTEMS of XXXX My boyfriend and i lived in XXXX XXXX and he lost his job as soon as we moved in so i came in to the office to make payment arrangements and cancel the lease so it wouldnt be on our credit reports after living there only XXXX3 months. 

The Property Manager then was very disorganized and wanted to have her hands in every affair but she never followed up on anything. I came at LEAST twice weekly after moving out abruptly so they rent it out to the next person to stop the bleeding of future continued payment. 

They had new renters in 3 days but the manager would never meet with us to discuss official process but I find they posted to our credit for non-payment. 

I CAME IN XXXX and XXXX for resolution but the manager was fired and they werent able to verify the debts as being mine. they even had bogus charge amounts and maintenance left defecation matter in the toilets and they never even fixed problems that existed before we even moved in. 

The electrical outlets needed fixed, the kitchen lights, the garbage disposal, floor tile and a couple other things since before we moved in they said they would have fixed before move in but never did. 

i even specified countless times for approved entry only when scheduled so someone could be there because we experienced apt staff stealing from tenants ' homes in their absence and they ONLY came when we specifically stated we werent going to be there saying they didnt find no problem and left msintenance slips in inconspicuous places like in the bedroom and closet. 

Since going in person in XXXX and XXXX and getting nowhere i filed a dispute with the credit bureau and everytime i gave information and proof they required me to furnish, they extended the creditor 30 new days but me only 10 days and never followed up. 

No one ever sent me anything from XXXX XXXX. THats why the credit bureaus say they 'll give them more time to respond. To this day i havent received anything from them. 

I came in to the office a few weeks ago and learned there was some kind of process that was supposed to be done that i had never even heard of that was not done.
The rigmarole continues. The banks are ready and able to lend a helping hand. Just ask ... ... but its a F, F, F, F, F Farcical. Wells Fargo is a House Preservation Farcical. 
Attached after 2 years of document submitting rigmarole of my demise. 
1. Doc XXXX letter says thanks for all the docs ( in my case a lot ) 2. Doc XXXX " Sorry you do not meet the requirements because you failed NPV '' ( AS IF I CAN GO ELSEWHERE AND REFINANCE -- NOT!!! ) 3. Decision letter after appeal " you still do not meet the requirements for loan modification '' ( HOWEVER, I DID OBTAIN MODIFICATION ON MY OTHER PROPERTY!! ) Is there a different game being played at Well Fargo?? XXXX HOW CAN I QUALIFY OVER THERE BUT NOT OVER HERE??? WHY IS WELLS FARGO DRAGGING THIS ON CAUSING MORE GRIEF?? All I ask for is fixed rate loan modification with a reasonable low rate. A real modification that is not abusive by jacking up the overall loan amount. I am at no fault the entire banking system crashed and still broken. To dance this dance another 20 years I just need a LOW FIXED RATE!!!! WELLS FARGO IS NOT TAKING INTO CONSIDERATION MY COMPLETE FINANCIAL EQUATION OTHERWISE I WOULD HAVE THE MOD ALREADY!!!
Despite several requests to XXXX XXXX XXXX, in addition to the credit reporting agencies of Equifax, XXXX and XXXX, original creditor has refused to remove an account from my credit report that exceeds the allowed reporting period. XXXX XXXX XXXX account number XXXX continues to report a " paid was 120+ '' status on my credit report despite a last payment being made seven plus years ago. The reporting of this antiquated account has severely harmed my true credit history and dramatically dropped my credit score.
They are mixng my name with my dad. His name is XXXX and my name is XXXX. They are also mixing my address with my dad. My XXXX lived before XXXX, XXXX, NJ XXXX. I have never live there before. My XXXX now lives XXXX, XXXX, fl XXXX. 
I live now at XXXX XXXX, fl XXXX Before that Live at XXXX, XXXX, fl XXXX before that XXXX NJ XXXX. 
Please Help me fix this problem. 
XXXX XXXX
I 'm not exactly sure who is or should be servicing my loan at this time, XXXX or Sallie Mae. My first disbursement date was XX/XX/XXXX in the amount of {$1200.00}. I may have received some false or misleading information when I expressed financial hardship to Sallie Mae in XX/XX/XXXX, I 'm not sure if I should take the suspension since I 'm still able to make payments, I 'm just wondering how often they 're going to change the interest rates. They told me that my only option was a temporary suspension of payments. In earlier months ( not sure when ) I was told to call XXXX, either way, I feel like I 'm being taken advantage of, please help
I had credit with XXXX XXXX  ( now XXXX XXXX   XXXX ) and a credit account with XXXX XXXX  which were discharged in chapter XXXX bankruptcy inXX/XX/2013. A few months ago both XXXX XXXX XXXX  and XXXX  filed derogatory statements on these accounts. contacted TransUnion and filed a complaint. After 30 days I received a reply from TransUnion that both lenders refused to remove the statements even if both creditor are in the bankruptcy that is also listed on my credit file. I want the derogatory statements removed as it is simply reiterating what is in the bankruptcy reported to the credit reporting agencies. What can I do?
I sent Equifax over a notarized fraud affidavit along with a police report stating I am the Victim of identity theft and requesting them to block information. They have stated that they must complete a XXXX day investigation. However ; this is IDENTITY THEFT it is clearly stated in FCRA 605B ( 15 U.S.C. 1681c-2 ) that once a credit reporting agency is made aware of the identity theft they have XXXX days to block the information. I have made several calls to them and spoken to managers and they are stating they must do a XXXX day investigation. This is not a dispute it is IDENTITY THEFT. Please help me!!
On XXXX/XXXX/15 I checked my credit report. There was an adverse account from Sears/CBNA that I knew nothing about. I called the number on my credit report and was told they could not tell me anything about the charges on my account. I was given a different number to call. They also could not tell me anything about the charges but said they would mail me statements. I called back on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and was always told they were mailing statements. I received nothing. When I called back XX/XX/XXXX, I was told that they could n't find the statements! They would mail me a form to fill out requesting an investigation. I thought I had requested an investigation on XXXX/XXXX/15. 
As of today, XXXX/XXXX/15, I have received nothing. I called back today, was bounced to XXXX different numbers, put on hold by XXXX for XXXX minutes, XXXX for XXXX minutes and told by XXXX that there was nothing she could do, that no supervisor was available and someone would call me. 
I have submitted two disputes with XXXX. I spoke with a supervisor today who said they ca n't request documentation for a write off on someone 's account. He suggested I speak with the creditor! I have been struggling with this for XXXX months and do n't know who else to speak with. I would appreciate any help.
This company is reporting a negative debt entry on my credit report. I strongly believe that my credit profile may have been mistaken for someone else 's. I've requested an investigation of this debt or an immediate deletion of the entry if the creditor can not support their claim. I've never done business with a creditor by this name. According to the Fair Credit Reporting Act, I am entitled to notices concerning the reporting, handling and use of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information. Hence, they are in violation of two different consumer credit rights.
From XX/XX/XXXX -XX/XX/XXXX I underwent an administrative wage garnishment. At the time the garnishment was levied I was under a loan rehabilitation program. Be cause the collection agency failed to properly certify my employer I was garnished at a percentage ( 25 % ) above the legal limit of 15 %. I only had four months left of rehabilitation but I could not afford to continue the plan because I was unable to comply while trying to resolve the garnishment amount being withheld. It took 17 months for the improper garnishment to stop. I was charged {$10000.00} for this collection agency ( GC Services ) to collect on my defaulted student loan. I requested a hearing from the U.S. Department of Education and asked them to apply the excessive amounts as voluntary. They refused. After 2 years they refunded the amount ( {$5200.00} ) then charged me interest and penalties along with the collection costs on refunded amount for those 37 months. I remained in garnishment until XX/XX/XXXX when the garnishment ended. ( {$29000.00} ) The Department of Education stopped responding to me and I thought I was done. Then in 2017 another wage garnishment was levied by the Department of Education for another $ 77,000.00+ It appears that the U.S. Department of Education would rather  you remain in default for your entire life. Because my hearing was denied and a " records review '' was conducted I was not afforded due process.
On XX/XX/XXXX a charge hit my account from XXXX in the amount of {$10.00}. Within 5 days another charge of {$34.00} was charged to my account as Insufficient funds fee. Then on XX/XX/XXXX, and extend overdraft fee for {$15.00} was charged to my account. I called Chase on XX/XX/XXXX, and asked the to reduce the fee back to the original amount ( {$10.00} ) and I would pay it immediately because I felt it Chase was double dipping on me with the fees. The rep told me that Chase system only allowed them to reimburse me {$4.00}.
There are several severe mistakes on my credit report for Medical Bills. 
I have not been to these Hospitals or medical facilities and I believe I have had fraudulent charges! 
The only hospital I have been seen at is in XXXX XXXX. This is the only medial report I actually claim is mine. 
I am aware that the XXXX XXXX XXXX and XXXX XXXX and responsibly mine. 
I am certainly concerned and need a prompt response regarding this situation as I have now found out why I carry such poor credit!
InXX/XX/XXXXI had student loans with XXXX XXXX which transfer over to Navient Student loan. InXX/XX/XXXXI had problems with Navient not helping me with the proper procedures in handling my loans correctly with their services. Navient always advised me that if I could n't make a payment to place my loans in forbearance which increased my loan amount overtime. My Co-signer that was going to help me with my Loans, My aunt XXXX XXXX XXXX inXX/XX/XXXX. My father that also was supposed to help me with my loans XXXX inXX/XX/XXXX. I have four loan amounts with Navient with balances of {$7000.00}, XXXX, XXXX and XXXX. My account number with Navient is XXXX. Navient miss led me with my student loans sinceXX/XX/XXXX. I also started to receive a lot of ignoring phone calls from Navient during the periods of XX/XX/XXXX-XX/XX/XXXX about loan payment. My name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX, SC XXXX. My phone number is XXXX. Email address is XXXX.
There is an account listed as in collections from XXXX XXXX. I do not know where this account came from as I have never been to XXXX XXXX.
This is the second written request asking the companies ( XXXX, XXXX, & Experian ) to provide a copy of the original creditors documentation ( a consumer contract with my signature on it ) to verify that this information of mine is correct. 
I would like to know who verified these accounts? I have not been provided with any original documentation. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. 

First request XX/XX/XXXX Second request XX/XX/XXXX
I am writing to your agency in hopes someone can help me with this company. I am going to explain what happened : I got involved in an online business opportunity fraudulent scheme. After I paid one company all these fraudulent companies were calling me by This company called XXXX XXXX XXXX contacted me by phone on XXXX/XXXX/2016.  They were very pushy. It was supposed to be an at home business opportunity. They asked me to pay {$3000.00}. I told them I did not have it, they were very persuasive and did not take no as an answer, so they told me not a problem they could finance it, so I paid them {$500.00} and they were going to divide the remaining balance of {$2500.00} plus the APR+18,99 % and charge me a monthly fee of {$120.00} taken automatically from my account. I had second thoughts and canceled my services within the 3 day period. I am still trying to get my {$500.00} deposit from this company till this day. They wo n't answer my calls. Complete scam. I did some research on this company and all I found was bad reviews. They have a " F '' with BBB.So that 's when the company Special Financing Company LLC comes in to the picture. They still charging my checking account a monthly charge of {$120.00}. How can Special Financing Company LLC still charge my account and back up this fraudulent company? I did not receive any services, I canceled my services and I still being charged. I need your help and try to immediate it please. They are taking from my XXXX account every month. Thank you
EXPERIAN fails to remove the XXXX account. EXPERIAN reports incorrectly that this account is paid monthly. EXPERIAN reports incorrectly this medical account is an open account. XXXX reports incorrectly the date of first delinquency. EXPERIAN fails to verify the authenticity of this account. EXPERIAN continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
I signed up for a Citibank gold checking promotion ( i received the offer from Citi Bank by e-mail, which I can provide ) that offered XXXX XXXX AAdvantage miles after meeting specific spend and bill pay requirements. After completing the requirements, I called Citi representative on XXXX/XXXX/2016 to confirm that I had successfully completed the Citigold checking promotion. After checking that I achieved the conditions ( using Debit card for {$1000.00} spend and pay two consecutive bills ), Citibank confirmed through phone that I had successfully completed the promotion and that the airline miles would be deposited into my account within 90 days from the date of completing the program 's requirements. I called to confirm one more time in XXXX, and I was told to wait till XXXX for miles to post. More than 90 days ( over 100 to be exact ) past without having the promotional miles deposited into my account. I called and sent another secure message to Citibank witch did not result in positive outcome. In addition to being denied the XXXX points, I was required to pay account fees to keep the account open until the points had posted.
I am writing about a credit record that continues to show on my credit report. I have disputed this record to no avail. The credit record is from XXXX XXXX / RESURGENT CAPITAL account XXXX   This firm is collecting on behalf of XXXX XXXX XXXX .

The address for the collection firm is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX  I am not saying that I didnt enter an agreement with XXXX  but rather there was deceptive, misleading and unfair practices associated with the transaction. I was young, with children in dire need of transportation. I needed to work and keep a roof over our heads and food on the table.

Following is a synopsis of the events leading to this collection. To be honest I dont know if a title to the vehicle was ever put in my name. If you need additional or more detailed information, please let me know and it will be my pleasure to provide all the documents that I have available.

Purchased XX/XX/XXXX XXXX in XX/XX/XXXX from XXXX XXXX located in XXXX, PA o Mr. XXXX  was I thought a family friend.

Was told the Jeep had new transmission and new motor o Could not test drive as new motor was not installed yet.

Went down the street to his buddy at XXXX XXXX  where finance documents were prepared.

o Agreement listed vehicle and 42 inch television as collateral for the loan along with the Jeep Interest rate on vehicle loan was 23.99 % in the state of PA where law limits rate to 21 % for used auto loans. - Attached Paper tags and temporary registration provided by dealer Vehicle started giving me trouble within first few days would stall out in normal traffic Returned to dealership for repairs and to get registration / tags again provided with temporary tags.

Vehicle continued to perform subpar.

Finally contacted the states department of motor vehicles about the temporary tags requesting they provide permeant tags and was informed that the dealership was under investigation.

Dealership was closed by the state of PA for tag violations Criminal charges were filed by the state and Mr. XXXX pled guilty.

Still having problems with the Jeep could not get resolve from Mr. XXXX Brought the vehicle back to the closed dealership and contacted XXXX  where the car was located.

When debt was sold to Resurgent I tried to set up a payment plan ; sent them a payment in XX/XX/2015. Check was cashed and no communications from the collection firm was ever received.

o Try to dispute with the credit bureaus and receive notice that information is correct o When I contact the collection firm for documentation I have never received a reply from them.

o To the best of my knowledge I never placed a do not contact with the firm.

The listing on my credit report is an arduous reminder of a very difficult period in my life. I believe that I was the victim of deceptive practices and possibly usury on this transaction. I am requesting the CFPB review the documentation with the collection firm and with XXXX which is currently owned by XXXX XXXX
I filed a complaint with XXXX XXXX the issuer of my XXXX XXXX XXXX, on XX/XX/2018 that I was the victim of fraud on my credit card. My husband pressured and forced me to turn my card over to him right away. He charged it up to the limit and never let me make any purchases at all. I was the victim of domestic and financial abuse. 

I called today to find out the status, and was told that I benefited from this. I don't understand how I benefited from being the victim of domestic abuse. They said I had to file a police report, but, if I did that, my husband -- who I don't live with and am in the middle of a divorce from -- could possibly hurt me physically. That's even if the police were willing to take a complaint. 

I'm still a victim of fraud even if I don't want to risk getting hurt by reporting it. Taking away my access to credit and putting a wrongful debt against me is profiting from domestic abuse. I didn't ever get to use the card. 

The company gave me a fax number to reopen my fraud complaint, but, it wasn't any good. I tried to fax the attached documents but it didn't work.
I have an excellent credit history, I am a home builder and buy numerous homes at local auctions, fix them up and flip them. I depend on my credit for business and my credit score typically runs between XXXX-XXXX. A few days ago my credit took an incredible drop due directly to a Synchrony BP card in my name ( SYNCB Bank ) that reported inaccurate information to my credit reports. It is a card I rarely use and paid off months ago. 
After researching I found out that somehow my statements where changed from being mailed to me to online only. I NEVER have online delivery of my statements and believe this could have been inappropriately initiated by Synchrony BP Card. As a result a small balance, which I am not sure is mine of {$360.00} went 40 days late. Synchrony bank never sent me updates, reminder, statements, phoned or in anyway attempted to contact me. My credit score on XX/XX/2016 was XXXX. On XX/XX/2016 after XXXX reported I was late, my score dropped to XXXX. ( See attached documents ) I contacted SYNCB bank on XX/XX/XXXX, disputed the late charge, requested an investigation and demanded the late payment be removed from credit reports immediately until the investigation is completed and then updated accordingly. I have also filed the appropriate disputes with XXXX, XXXX, and XXXX. I do not have faith SYNCB will conduct a proper investigation and follow federal policy by removing the late payment status until the investigation is completed. Additionally, as a result my Auto insurance was just raised by {$180.00} a month die to my XXXX score
I was a victim of ID Theft as far back XX/XX/XXXX. I have two entries on my credit report that are a result of that incident 2 collections from XXXX XXXX/XXXX collection on behalf of XXXX entered in on the dates of XX/XX/XXXX for {$990.00} with the account starting with ( XXXX ) and again for XX/XX/XXXX for {$1000.00} with an account number starting with ( XXXX ). Again these are both the result of past fraud. I have have not had any recent activity but I would like these addressed. I have included a police report as well documenting my efforts to show this was not my fault.