WillisBack/dataset-financial-user-claim huggingface dataset:
Greentree acquired my HAMP mortgage and I feel they are trying not to honor the agreement of my loan and possibly being deceptive. A couple of months ago, I originally asked about my {$1000.00} credit for each of the five years for making payments on time and they first appeared not aware of it. About two months later after this call, my XXXX bill pay XXXX payment they are stating was not received. I used XXXX to pay via online payments for previous Greentree payments with no problems. Only after I inquired about my {$1000.00} per year HAMP payments, XXXX of my payments suddenly was not received. The first notice I received about this missing payment was via mail on XXXX XXXX. I immediately called Greentree/Ditech and they stated they could not correct this problem and it would affect us getting the full {$1000.00} credit or to some portion. Greentree/Ditech states they have been calling my cell and an old number which I have not received any call on my cell or no message. I called XXXX and they have clear records that the payment was sent, but showing it has not been cashed. I really feel Greentree/Ditech may be deliberately not cashing that payment to save them the agreed {$1000.00} credit. It also appears they may have purchased this loan not realizing about this {$5000.00} credit for on time payments and none of it has been paid. I have never been late on any of my HAMP payments in the four years and Greentree/ Ditech even with offering XXXX records wo n't adjust for this. Not Fare or good customer service and possibly not legal.
I contacted you guys about this a few years ago because I was struggling to pay the loan because Sallie Mae/Navient put my loan at an 11.9 % interest rate and I couldnt afford the payment. They put me on a rate reduction program after you contacted them. Now we are back at the same cross roads. They are trying to increase my interest rate back up. I spoke with them gave them all of my financial information and still they said I dont qualify for the program because Ive been on it for so long. And according to their calculations I have {$260.00} extra a month so I can give them the {$210.00}. I explained I have a daughter, how am I supposed to give them all of my money? What if theres an emergency and I dont have anything extra? The representative was adamant about saying well its ONLY {$50.00} more, only {$50.00} when sometimes your checking account is overdrawn isnt really an option for me. Every 6months they have me call in to give them financial information and every call theyve pushed the payment back up. I am back up to repaying them over {$17000.00} on a loan that has {$11000.00} and change. How is that fair?? Ive never missed a payment, I was actually ahead two payments and they told me I didnt qualify because of that and I would have to call back - how is that right? If someone is one time and ahead, you see that theyre making a good faith effort and you tell them unless youve defaulted or your two payments ahead run out you dont qualify?? I need your help again. I was fine making {$170.00} in payments. Because according to their computers I have extra money they feel its okay to just give it all to them. My extra money is pennies and I really dont have it. My account today is negative so where is the extra money?? Please help
Dear friends at CFPB, Bank of America is in violation of the California Homeowner bill of rights Restriction on dual track foreclosure : " Mortgage servicers are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed. '' On XXXX XXXX, 2016 Bank of America confirmed that they have a complete application for my loan modification, but have made no effort to remove the sale date. My home is scheduled to be Foreclosed on XXXX XXXX. As of my phone call with XXXX a CRM at Bank of America on XXXX XXXX, she confirmed that XXXX my paperwork had been fully accepted and received by underwriting. She confirmed that there was no further paperwork needed for the underwriting department to evaluate the file and it will take time for them to review the file. She said that no effort to stop the foreclosure the house on XXXX XXXX even though all paperwork has been fully accepted until further notice. 

My only phone call with the new CRM XXXX XXXX was on XX/XX/XXXX where she said if I got a complete package in 2 weeks before sale she would request for postponement. The only appointment XXXX would set up with me to speak XXXX XXXX again was on XX/XX/XXXX due to her busy schedule. 

This is clear evidence of a dual tracking violation. I am sending you a prayer of relief that you tell Bank of America to follow the law, stop dual tracking, remove the sale date immediately. 

Thank you for your service, XXXX XXXX
A company named Receivables Performance Management has placed a false and fictitious collection that was previously filed by another collection company XXXX XXXX and removed back in XXXX 2016. This is the ongoing debt that was paid to XXXX XXXX when they installed my service. The initial installation had a defective receiver and they had a technician come out and replace it and he took the defective receiver with him. They billed and charged me for the defective receiver I never had. I made many attempts to get XXXX XXXX to reimburse me for overcharging me and they never refunded my money. In addition they falsely advertised they would send me a {$200.00} Visa gift card for signing up with their service, which they never delivered to me. I am attaching a copy of my credit card statement to demonstrated I was falsely billed and overcharged for their services. In addition I am attaching a copy of the XXXX receipt of proof the last receiver being returned to XXXX along with copies of the previous dispute in XXXX and correspondence with XXXX. I am not sure how a collection company can falsely attach a fictitious claim against me and not be held accountable for their crooked actions. Again, my statements are true and correct and you may contact me at XXXX or XXXX or XXXXXXXXXXXX to discuss the matter further.
I recently submitted a complaint via cfpb in regards to toyota motor credit in which they responded with this long winded excuse stating that the settlement of my account never posted for 58 months due to an inadvertent clerical error. I just recieved notification that they have flagged my XXXX credit report as a charged off bad debt and not paid settlement as agreed in their letter. Toyota motorcredit is full of games and this is really getting ridiculously out of control and I feel the need to seek legal counsel if this issue does not get rectified IMMEDIATELY!
I have been paying {$24.00} for Experian 's credit works product. I decided not to renew for month of XX/XX/2017. 
Now I can not log into my membership portal to retrieve past credit reports from 2017 which i have paid for. 
I called Experian 's membership phone number which always has over an hour wait. ALWAYS has over an hour wait regardless of what day or time I call. 
The representative informed me that I can access the portal to view my reports and Information I have paid for my converting my membership to a free membership. She said there is a link at bottom of page. 
Problem is, you must be able to sign on first, So you see whats going on. 

When I first signed up for Experian 's credit works, there is nothing in the contract which informs me that I will not have access to my paid products once I cancel. 

Experian has it set up where you must pay first before being able to log in. In essence Experian confiscates the credit reports I have paid for to force me to continually paying. Sounds like a serious issue here. 
Experian will likely try to claim that if I call the membership support number, they can provide me with a way to re-establish the free service or a way to access the portal. However, that is NOT reasonable for anyone if they continually have OVER A 1 HOUR wait. They don't even offer a call back option.
CRA VIOLATION / INACCURATE INFORMATION ON MY EXPERIAN CREDIT REPORT SHOW THE ACCOUNT WERE LATE. TO THE BEST OF MY KNOWLEDGE ACCOUNT NEVER LATE.
on XX/XX/19 they called me AGAIN after being asked not to contact myself or my employer phone number. XXXX XXXX  and they called a phone number that they were never given. ( XXXX ) XXXX XXXX. I stated on the recording not to contact me at this or any other phone number for any reason at any time.
I Filed a dispute with Experian regarding me being a victim of identity theft, filed a police report, sent them my id, address, info regarding the identity theft ( the items that are fraudulent were circled on my report, they refused to remove said items from my report according to the fair credit reporting act section 605B, instead they send me a letter saying that my request for a block or deleting said items were either made in error or based on material misrepresentation, or I knowingly obtained these said goods or services. All above they determined are false and I demand these items be removed/deleted from my file as section 605B so states.These are fraudulent items that I discovered on my credit file a direct cause of the identity theft I sustained and demand they be removed or I will be forced to file a court action if they are not removed immediately.
I keep receiving several calls at my place of employment from a man named XXXX XXXX who claims to work for a Warner Location Services. I asked him to not call my employer, if this is a legal matter to please send me something in writing or by mail. He refuses and has been constantly leaving messages on my work voicemail stating I better call him by a certain time that day or legal action will be taken against me. Also states that if I do n't call him that an employment verification will be faxed to my employer. Demands that I call him back at XXXX ext. XXXX, to resolve this legal matter. When I called that number, there 's a recording that says, thank you for calling, if you know your parties extension please dial it now or press XXXX and someone will be with you. There is no introduction with a company name or anything.
Paid off loan in  XXXX  of  2017  with   XXXX   XXXX   . Vehicle was paid off with 2 pa yments of {$1100.00} and {$1500.00}. Company notified my that the title would be mailed  5-10  business days and still have n't received. Upon contacting the company they claim that the last payment should have been made by a cashiers check to clear not a credit or debit card payment. The balance is  XXXX  and shortly after paying the vehicle off I switched banks. They are now asking me to retrieve bank statements from my old bank to show proof I paid the vehicle off. I do not believe this is fair to me the consumer as I have waited almost 2 months for a title and they refuse to release it to me. I need help.
I receive Social Security XXXX benefits. I opened a prepaid Chase account and had my XXXX check sent to it. After poor telephone assistance, excessive miscellaneous fees and unacceptable terms I decided to close the account and sent my deposit to an alternative institution. I opened the account over the phone. But, when I called to close the account I was informed that the Issueing Agency, Social Security, had to close the account. I redirected my XXXX deposit. Four years later, XXXX sent a check to the account. Chase had not closed the account. Chase had continued to bill the account {$4.00} each month, despite the fact I ask them to close it. They took {$130.00} in fees. They refused to close the account until I got a XXXX Representative on the phone to confront the Chase representative that insisted the only way to close the account was by a XXXX representative. Chase gave me the run around before I conference called the Social Security representative in. They hung up on me many times. They would still be refusing to close the account had I not taken drastic measures. They would still be billing me just as I am sure they are still billing others. XXXX representative said SSA had closed the Chase service accounts years ago. Chase is committing fraud.I am sure I have the grounds for a class action lawsuit. I want My {$130.00} in fees that Chase stole from my XXXX benefit. during the period they continued to bill me they did not contact me to let meknow that I owed them fees. They did not contact me in any way. They held my personal information and continue to charge me and hold open an account in my name without my consent. After several attempts to close the account independently I resorted to waiting over an hour to conference a SSA representative in. This was exhausting and frustrating. I have been taken advantage of by Chase debit card services. They stole my money. They refused to close my account when I requested it. They refused to return my money they took for fraudulent fees.They are holding XXXX accounts open that should have been closed years ago. And they are still billing fees for nothing. I did not use this account for four years, yet they billed and billed but never sent me notice or an invoice. This Chase institution needs to be put out of business.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, AZ XXXXXX/XX/XXXXI am writing to seek your help with a Mortgage Creditor XXXX Statebridge XXXX that refuses to report accurate consumer information and ask for your assistance. My wife and I have exited a XXXX Reorganization Bankruptcy XXXX XXXX. XXXX, which was closed over one year ago XX/XX/XXXX, as evidenced " Order Entering Final Decree and Closing Case '' .. 

Now in hopes of regaining our once impeccable credit and meeting all of our financial obligations for nearly 7 years, we request them to report payment history. No avail. We sent dozens of letters, phone calls and faxes, and providing proof of the closure and providing the " Final Decree '', and requesting they report our mortgage account to the credit bureaus.Again no avail. On phone calls, they simply state that they will " NEVER '' report our account to the bureaus. 

My wife and I fell into hard times during the Real Estate debacle XX/XX/XXXX. We filed for CH XXXX Reorganization to save our house and to hopefully begin to rebuild our credit. Now 6 1/2 years later, they refuse to report our impeccable payment history as required by the FCRA and Bankruptcy Rules. 

This is not a frivolous matter, and their refusal and inaccuracy is robbing us of the ability to gain any credit, which is the life blood of every single consumer. We ask that you assist us with this matter. Below is the Company/Account information. 

Statebridge Company - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX ( XXXX ) XXXX XXXX # XXXX : XXXX and XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX AZ XXXX / Loan # XXXXThank you sincerely, XXXX and XXXX XXXXXXXXXXXX : Final XXXX
I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department XXXX XXXX XXXX XXXX sheriffs XXXX of these fraudulent accounts and have made a police report. 

Under the FCRA 2009 ( a ) the Credit reporting agencies must cease and desist from reporting these accounts that have been brought to their attention are fraudulent, and were open without the consumers consent. 

I am in talks with my local attorney generals office to assist with this theft.
On   XXXX   report a company called  XXXX   XXXX   XXXX  put something on my report in error. I have resolved issue with   XXXX   XXXX   XXXX   they sent me letter saying they would have it removed. i also sent letter and dispute to  XXXX  and the results per Report  Number  :  XXXX  on  XXXX / XXXX /   2017  was that the information remains. This information should not be reporting and i did submit the documentation from    XXXX   XXXX
On XXXX XXXX, XXXX my car was repossessed for defaulting on my contract I signed on XXXX XXXX, XXXX. After my car was repossessed I received a 'notice of right to redeem ' from Honda Financial dated for XXXX XXXX, XXXX, I also received a separate 'notice of our plan to sell property- private ' notice date of XXXX XXXX, however, the notice did not provide a date, time or place for when the vehicle would be sold. The notice indicated " that it would be sold sometime after XXXX XXXX. As per New York state laws, I have the right to be notified of the time and place of a public sale and/or of the time after which a private sale you goods will be made. I was not afforded that right to participate in the sale of my vehicle. The last notice I received from them was dated XXXX XXXX, XXXX " XXXX XXXX XXXX XXXX XXXX '' which summarizes the sale of the car and fees and amount owed. My rights to redeem car under state law was violated, I do not believe that lender sold the car in a commercially reasonable manner. I had also filed a complaint with the Better Business Bureau on XXXX XXXX, XXXX regarding my personal property that was in the vehicle at the time it was repossessed that was withheld from me. I received a response notice and was told by the XXXX XXXX that the recovery agent had a right to charge me a fee for retrieving my personal property after such the property was sold with my vehicle. I had electronics and other valuable items totaling over {$7000.00} in the vehicle that has not been accounted for. As per the New York Attorney General office, they did not have a right to refuse me my personal items and charge me a fee to retrieve them, as there was no security interest with them. I am therefore charging the Finance company for the stolen items. The recovery agent did not have a detailed or itemized list of every item in my car and could not account for the items that were in my car.
TransUnion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result I have been gravely affected and my score is suffering as a result. No notice was ever given which is a violation and I am requesting that ALL inquiries be removed.
In XXXX I got an auto loan from J.P. Morgan Chase Bank. The contract I signed was for the Amount Financed : XXXX, payment schedule of XXXX payments of {$510.00} and XXXX final payment of {$510.00} due on XXXX/XXXX/XXXX. In XXXX XXXX, I was in the process of paying off the auto loan ; however, after contacting Chase to find out my payoff amount, this amount was different from what I had calculated so I asked Chase to send me a itemized statement listing all payments made, interest payments, and principal. First thing I noticed on the itemized statement there was a charge of {$190.00} ADDED to my original loan of {$22000.00} ( this is what my contract states I OWE and SIGNED for ) which now made my total loan for the amount of {$22000.00}. Therefore the {$190.00} ADDED to the principal of the loan, would affect the interest over the course of the loan. I contacted Chase in reference to this discrepancy and no one could tell me what this charge was for, in fact, the charge was ADDED to the PAYMENT column. ( So in reality, this should be a PAYMENT, not an ADDED charge. ) I called Chase several times, talked to several people asking if they could do an audit on my account, and I was told they do not have the manpower to do this. I took all my auto loan paperwork to an accountant, they calculated the payments, interest, etc. and showed that Chase has been PAID IN FULL and there is a CREDIT on my account for {$470.00}. ( based on beginning balance of {$22000.00} ) Based on the amount of {$22000.00} ( the amount showing on the itemized statement, adding the {$190.00} ) there is a CREDIT of {$400.00}. Chase is stating that I owe {$560.00}. Based on the information submitted, i disagree with this amount owed. In looking over the itemized that Chase sent me, Their statement showed several months where the FULL payment that I made was applied to the interest, nothing applied to the principal. I understand that interest is accrued daily, and computed on the principal of the loan. I would appreciate any help you can give me on this matter, as I have gone in person to the J.P. Morgan Chase Bank in XXXX XXXX, Michigan sat down with a representative with my paperwork, and she also could not help me. Thank you
I have ask for the following and if not recieved I requested deletion and I have yet to get the following items 1 agreement with the creditor that authorizes you to collect on this alleged dept 2the agreement bear my signature stating that I have agreed to assume the dept 3 valid copies of the dept agreement stating the amount of the dept and interest charges 4 proof that the statute of limitations has not expired 5 complete payment history on this account along with an accounting of all additional charges being assessed 6 show me that you are licensed to collect in my state ; Texas 7 your lincense numbers and registered agent I have yet to receive any of this information, and its really becoming a problem, please assist me with this issue
The collection agency XXXX XXXX XXXX, is harassing me, and refuses to work with me in order to stop the wage garnishment that they are taking from each paycheck. XXXX XXXX XXXX has taken over my student loans from XXXX XXXX XXXX XXXX. 

When I have called them to discuss options for stopping the wage garnishment, I am always given different information, and different amounts I will need to pay before the garnishment can stop. 

I was told that as part of their loan rehabilitation program, if I made 5 consecutive monthly payments, they would stop the garnishment. I was told, based on my income, that I qualified for the minimum monthly payment, {$5.00}. I was not asked about my husband 's income, if we filed our income taxes together or separate, or any of that. I was only asked for MY annual income. 

About a month later, I was told that based on my family 's income, I did not qualify for the minimum monthly payment, so in addition to the wage garnishment, I would have to make monthly payments of around {$90.00}. I told them I could not afford that, and I ended the phone call. 

I continued to make the {$5.00} payments that I had originally agreed to. 

About 5 months later, I called asking them to stop the garnishment, since I had been making the {$5.00} payments every month. I was told that the loan rehabilitation program had not been officially agreed to, because they were unable to send me the required paperwork, since I had previously told them not to contact me, as it was borderline harassment. In addition, they told me I could restart with that program, but I would need to pay {$31.00} a month, while they continued to garnish my salary. 

I told them that I could not afford this, as the cost of my health insurance for myself and my family had gone up. I told them I was willing to pay $ XXXX month, as long as the garnishment stopped. They would not accept this, and I ended the call. 

The company is not willing to work with me, when I have told them that my cost of living has gone up. With my hourly rate of $ XXXX/hour, I can not afford to have 10 % taken from each of my paychecks. I have told them, and shown that I am willing to make monthly payments, but they are not willing to assist me or work with me on this matter.
My complain is with Equifax. What is the status of providing my results on previous investigations. How is the verification the XXXX XXXX has the more correct data than the US District documents that I have. Equifax closes investigations with statement, Closed with Explanation sent to consumer. The explanation is horrible, there is no validation unless a company can verify its own information. the name of the company, address, and the statement this has been verified as an account belonging to you. I want to know how and who is able to verify this and the document that prove it.