WillisBack/dataset-financial-user-claim huggingface dataset:
I called Ditech about 1 month ago. 

I told them that I wanted to drop my Private Mortgage Insurance ( PMI ). 

They wanted me to Write Them A Letter. 

They will not talk to me about this on the Phone. 

They finally gave me an email address that I could send them an email. 

I emailed them my information and told them I wanted to drop the PMI. ( you can do this after you have had the loan for 2 years ). I have had the loan for 3 years. 

They denied my cancellation due to the fact that I did not send them a Authorization For Appraisal. 

It has taken 2 weeks for me to be denied be cause I did not send them a Aurthorization For Appraisal. ( I had no idea that I needed a Authorization For Appraisal Form and no idea of where to get one ). 

My complaint is this : We live in the 21st century. Every other department that Ditech XXXX has, you can talk to a representative. 
However, to drop your PMI, you have to use Stone Age communication. They do not freely give out an email address to the PMI department. You have to threaten to contact the Insurance commision or the Federal Trade Commission to get an Email Address. They should be made to have a phone number for the PMI department and personnel experience with PMI answering that Phone Number. 

I have sent the Authorization For Appraisal Form to them by Fax and mailed a letter to an address in South Dakota that they gave me and I did get an email address from a lady at Ditech, but I am not sure if the email address is actually to the PMI department. 

This is unfair to the consumer : If you want to pay them money, they will gladly give you a hotline to call, but, when they legally have to allow you to drop PMI after 2 years if you owe less than 80 percent of the loan. They will Not talk to you on the phone. They make it very difficult to communicate with them about removing PMI from your Loan.
I obtained about XXXX in student loan debt XX/XX/XXXX. When I graduated from college XX/XX/XXXX, I was n't able to pay back my loan at the minimum payment because of other debt. They would n't allow me to use an income-based payment plan because that only calculated my income and not any of my bills. Not being able to make the payment they always suggested that I do a forebearance which continued to accrue interest. When I finally had the opportunity to consolidate my loans, the lowest rate was 8.25 %. My debt is now XXXX and I pay 8.25 % interest on it. I 'm not allowed to re-consolidate at a lower rate so I 'm stuck with this high interest debt of XXXX. I 've been making monthly payments for a few years but I can only pay $ XXXX/month because of other income obligations. This does n't even cover my interest. I will be paying for this loan for the rest of my life with no opportunity to re-consolidate at a lower rate and the principal payoff increases every month. If I was able to use the income based repayment plan and have it factor in my bills vs my income, I probably could have made payments rather than forbearance. They made the forbearance option way too easy.
XXXX apts turned over a false debt to Southern Management In my name I do n't owe anything to anyone Yet Southern management has put this on all XXXX of my credit files
Hello, I have been getting the run around about resolving this loan for over a year with Navient. No one can seen to tell me who this loan belongs to, or if it has been sold to another creditor agency. I 'm not sure and can not get answers on how my old XXXX XXXX government loan transferred to a private loan. I have been trying to get answers, and no one can seem to help me. My loan from 2006 started off as {$1500.00} and is now is {$5000.00}. This loan should be a federal loan and not private. In 2006 when I started XXXX University, I was under the impression that I was signing up for a federal loan, per my documents that I have. All of my federal loans are consolidated and I would like to get this loan consolidated and taken care of as well as soon as possible because it 's having a major impact on my credit score. The loan is even being reported on my credit as EDUCATIONAL. So confused about what to do next.
I am completely responsible for my debts and have always paid them. I lost my job after 13 years and lost my house and own nothing as I had to sell everything of value. I am on Total XXXX XXXX as of XX/XX/XXXX diagnosed with XXXX and XXXX XXXX XXXX XXXX XXXX  as I have not been able to work at all so far. I am under the care of two Doctors a XXXX and well as numerous XXXX. When I spoke the the party representing my XXXX on card debt on XX/XX/XXXX, they told me that this debt will stay open and will be charged interest every month that will accrue until it is settled. As I can not attempt any payment as I can not work, I feel it is wrong to keep adding interest making my debt amount constantly increasing every month. This is making my condition worsen as I can not sleep at night with this debt getting larger and larger. I feel this is very wrong and I am requesting that any interest is stopped and reversed and a reasonable amount is presented on the original total and all activity stops so when I can possibly work again and an agreement offer would be proposed in the range of maybe XXXX cents on the dollar as other creditors offer. No correspondence has com by mail at all. Please help me as the tragedies I have had these past XXXX years has put me in this horrible position and is worsening my XXXX Sincerely, XXXX XXXX XXXX.
XX/XX/XXXX I refinanced my loan on the property that I 've lived in since XX/XX/XXXX ( the refinance was to remove my exhusband ). At that time, I was told that flood ins was not necessary and was provided a XXXX stating flood zone XXXX. ( I have never been required to purchase flood ins since owning the property beginning in XX/XX/XXXX. ) Now my mortgage co, PHH Mortgage, has stated that I 'm in XXXX XXXX and do have to purchase ; they purchased on my behalf and have begun to escrow to my acct. As the FEMA flood zone mapping has not changed since XX/XX/XXXX, I do not understand why this has changed and I 'm now required to purchase. Upon questioning this, I was told that it is because of a very, very small portion of the SE corner of my house as in the XXXX XXXX, however this is where my septic drainfield is located and is elevated due to this. The base elevation of my floor is XXXX ft XXXX in which is XXXX more feet about the XXXX ft 100 year flood standard. My house is on a concrete pad so there is no basement or crawl space that can flood. I would only have damage if the water gets over XXXX feet. 

Also I know that my neighbors directly north of me were told by their bank that they did n't need a floor elevation on the survey since none of their property is in a flood zone, and my floor is XXXX in higher than theirs.
To C.F.P.B, I would like for you organization to start entire investigation on my case, the said complained NationStar Mortgage LLC, XXXX they have try to show legal standing close action again me, and or XXXX XXXX XXXX, XXXX, Florida XXXX. The bank must show the original documents, mortgage and promissory note, the bank also have to show a proper shine of title recorded on the country where the property is located, is required by law, the bank must show assignments of mortgage and endorsements notaries with acknowledgments and the penalty of perjury.
Despite my repeated requests that they do so, EQUIFAX refuses to delete an outdated, factually inaccurate account with XXXX from my file. The vehicle in question was NOT repossessed from ME, nor were ANY payments made late by ME but in fact belonged to my former spouse who received over {$1000.00} when the vehicle was sold as it was her account and NOT mine! I simply want ALL information pertaining to it deleted from my EQUIFAX file.
Hi I was member of nationwide biweekly program and they stop making payments of my loan without communicating to me in writing or making a phone call to my cell. I was a member of this program since XX/XX/XXXX to XX/XX/XXXX I had read that there is a suit to this company, I would like to know how to get more info since the nationwide has not telling much about the problem Thanks XXXX
I 'm entitled to a method of verification as I have asked for and if they are unwilling to provide  one the information must be deleted. The credit reporting companies are not a ddressing these complaints but rather giving a generic answer. The credit reporting companies ca n't use a third party to verify disputes but rather retain documents supporting the facts of the investigation. If the credit reporting companies continue to not send me a method of investigation or delete the disputed items I will seek my rights as established with the FCRA in court.
Credit reports are showing a Chapter XXXX bankruptcy ... .new law as of XX/XX/XXXX,2017. This information is n't all there and should be immediately deleted
Filed lawsuit got default judgement against me. Never served papers. I DO NOT OWE Midland Credit Management .They have NO CONTRACT me. This was bought from original creditor XXXX opened with them XXXX written off XXXX. Bought debt Now they are trying to collect.
I have already described what had happened in complaint number XXXX. I probably needed to elaborate more but you guys were on the wrong and you guys filed and incorrect response to consumer reporting agency when I feel like I was stalked by someone watching what I do because I am and have an executive level bank through bank of America and my name is Under XXXX XXXX XXXX under the Private Reserve in the Federal Reserve Bank.
I applied for a loan modification from PNC BANK and after being ask for a year the re-send the same document over & over I was told by my point of contact twice that the investor did not respond to the modification package, so there for the modification was denied. I have attached a letter with some out lines.
I have been member for XXXX and Equifax and now weird inquiries in my account and not feeling safe with my information with Equifax
I uploaded a letter to Experian from XXXX and XXXX. The letter stated that an inquiry from them would be removed and it is still on my report. I called and spoke with a supervisor XXXX who refused to removed the inquiry even with the proof that I uploaded. I have uploaded the letter for your review.
The information for consumers about contacting credit bureaus is almost worthless because the XXXX bureaus are primarily using this avenue to sell credit monitoring services. For example, Experian will only offer a consumer credit monitoring services or a credit freeze/unfreeze if a consumer seeking a 7 year fraud alert telephones Experian at XXXX XXXX XXXX XXXX per the CFPB 's webpage at XXXX. Plus, the online process to obtain annual free credit reports does not work although this is the mechanism the credit bureaus use for consumers who want a credit report after their credit card is hacked if the consumer has not exhausted the free annual credit reports ; either a consumer must submit a complicated written request for the credit reports or find a " back door '' at each of the XXXX credit bureaus ( e.g., a " trial '' subscription to Experian 's " Report and FICO Score '' service, which was accessible to me online for {$1.00} even through Experian required lots of paper documents from me to obtain my free annual report ). 

Incidentally, my Experian report number was XXXX after my report of credit fraud, and my Experian " Report and FICO Score '' membership number was XXXX. I have attached screen prints of my experience with the XXXX major credit bureaus to document that the online process and the CFPB 's information for consumers does not work well for consumers seeking a fraud alert after their credit cards are used fraudulently. ( My report of identity theft to the FTC has reference number XXXX. ) Please try to improve this system for other consumers. Fortunately, I am okay. 

Sincerely, XXXX XXXX XXXXXXXXXXXX
I just looked at my credit report and NO way do I owe   XXXX     XXXX  {$770.00} I would like validation and what address was this account attached to? This is inaccurate data
Dear Sir/Madam, Complaint number XXXX & XXXX & XXXX : XXXX Case : XXXX XXXX XXXX & Allegation of False Billings by XXXX, violation of FCC rules, Alleged violation by Experian and XXXX under FCRA & FTC rules, & Alleged violation of FDCP Act & FTC rules by collection agent, XXXX XXXX , XXXX XXXX 
The following is a letter of complaint that had been forwarded to FTC, who had in turn, sent you for your action. I believed you also had the exhibits that was enclosed with theXXXX XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX : XXXXXXXXXXXX
Online Information services Service for years have been showing on my credit report that I owe two amounts owed for {$100.00} and {$160.00} since XX/XX/XXXXand both of these amounts have been paid in full and when I call on XX/XX/XXXX I was told by them that the doctors office had to call to have it removed but when I spoke to the Doctors office on the same day they said that the collection agency would have to call them, both parties are giving me the run around about removing this false information because the Doctors shows both amounts have been paid years ago and it is affecting my credit profile and credit score badly. This is the account numbers Online Information Services are showing XXXX and XXXX and they show unpaid but the Doctors office that reported said that have been paid. Please help me get this cleared
This collection agency, I.C. Systems Inc, has listed a collection account on my credit files in the amount of {$370.00}. I have never done business with I.C. Systems Inc. I do n't have a signed contract nor any other type of contract with I.C. Systems Inc. I have the right to demand to see a signed contract between myself and this company as well as validation of this debt. I am requesting that this matter is investigated and the account is deleted from my credit files immediately or provide me with physical proof of a signed contract between me and I.C. Systems Inc.and complete validation of the debt pursuant to FDCPA.
Since XX/XX/XXXX, each and every month thereafter through XX/XX/XXXX, I have disputed the following via Certified Mail to both the Credit Bureaus AND XXXX XXXX requesting updates to the incorrect information on my Credit Files ; and to date, no response from either the two Credit Bureau and / or from XXXX XXXX XXXX : : TRANSUNION : a ) XXXX XXXX Acct No. XXXX b ) XXXX XXXX Acct No. XXXX XXXX : a ) XXXX XXXX Acct No. XXXX b ) XXXX XXXX Acct No. XXXX I request that the said Credit File Information be updated accordingly or t provide an account payment history ; and to explain why XXXX XXXX rejected over 80 payments from XX/XX/XXXX throughXX/XX/XXXX.
I disputed inaccurate collection accounts from companies called XXXX XXXX and XXXX XXXX XXXX. Equifax said the companies told them debt was valid. Equifax did not tell me what proof the companies provided to prove the debt is valid.
THE ACCOUNT WAS OPENED XX/XX/2018 AMOUNT OWED THATS REPORTING ON MY CREDIT REPORT XXXX I FILED A DISPUTE THROUGH THE CREDIT BUREAUS FOR IDENTY THEFT I WAS UNAWARE THAT THIS ACCT WAS OPEN I DID NOT OPEN THIS ACCOUNT OR GIVE ANYONE PERMISSION TO OPEN ACCOUNT IT IS CABLE BILL ACCT BUT THEY GAVE TO A COLLECTION AGENCY BY THE NAME OF SOUTHWEST CREDIT SYSTEM ORGINAL COMPANY IS XXXX
XXXX  transferred t o Selene finan cial and had overcharged me by {$13000.00} Dollars and raised My escrow to {$560.00} when taxes and ins only {$200.00} per mo.      XXXX  charged me outrages late fees along with  Selene Financial when I was in review for modification.       Loan  has been securities and transfe red 7 times af ter mortgage ins paid it off in  2003.
XXXX continues to report that collections from XXXX XXXX XXXX are mine. Those collections are at zero blaance and never got old enough to be collections, XXXX company has agreed and said that they sent requests to have them removed from my report. XXXX is clearly not verifying ANYTHING with this company because they continue to report these as past due. They have been removed from my report in the past and then added again, which I believe is illegal.
On XX/XX/XXXX I sent a certified letter # XXXX to XXXX XXXX XXXX requesting verfication/ validation of this alleged debt of {$2300.00}. I received notice on XX/XX/XXXX that letter had been received by XXXX XXXX XXXX. I have received no response as of this date from this company. I placed a call on XX/XX/XXXX and spoke with XXXX and was told to contact original creditor because they had no information on this debt in their office. I requested that she send me that statement in writing within 5-10 business days. I have not received that letter and this debt is still being reported negatively on my credit report as of this date. I have no knowledge of this account, and have not signed a contract of any kind with this company.
I applied for  XXXX  loans wit h Penfed CU si nce you have to select a vehicle for low risk loans. After getting my done with  XXXX   XXXX  I took the bank draft from  Penfed  for $  XXXX  and purchased the car on  XXXX   XXXX ,  2017 . After purchasing the vehicle,  XXXX  tried to deposit draft. The draft was returned unpaid. For some reason that loan was cancelled. But the loan that was supposed to be cancelled was not.   After lettin g Penfed know the situation and the delaer contacting me. Penfed refused to issue a new  check or change the loan. The approval was for $  XXXX  for 72 months at 4.50 %. They requested I do another loan in the system and request the same amount. The loan came back with an new approval of only $  XXXX . After talking to and asking  Penfed to please just make loan same as original they refused. The vehicle was picked up last ni ght from my home. Since I work weekends. I now do n't have a vehicle and will have to quit my job since it is  XXXX  miles away. Because I traded in my vehicle so after a month I have nothing.   Penfed gave me a loan and charged me  XXXX  times {$15.00} for overnight service. Why did n't they honor the check? Why would n't they just fix something I did n't do they done. They knew I had vehicle because dealer contacted the m 10 tim es to fix error and  Penfed  refused.   I had $  XXXX  equity in my trade and how I 'm I supposed to get that month back and how soon? How do I look for another job after quitting a $  XXXX  A YEAR JOB. How do I pay my bills and help my elderly parents get around? I think Penfed should honor our agreement just like I honored my country with my military service.   This is just not right.   Now Penfed wants me to take a loan for only $  XXXX  but not my rate is 6.1 % for 72 months. That 's just not right.
I have attached a copy of the Consumer Financial Protection Bureau order of 2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the 2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, XXXX and Trans Union respectfully. Since the 2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.
I wrote a letter  to Capital one o n  XXXX   XXXX ,  XXXX  asking them to remove late payments that were showing up inconsistently on all  XXXX  of my credit bureau reports. All accounts had  XXXX  missed payments, each with different months ranging from  XXXX   XXXX   XXXX . I noted in my letter to  Capital One that I  only recalled being late once in  XXXX  of  XXXX  and requested that they updated my reports to show the one missed payment. Since then, I have received  XXXX  credit updates from   XXXX   and  XXXX  stating that I now hav e 4 mis sed payments on my reports from Ca pital one and not just the one  I recall in  XXXX  of  XXXX .
This company XXXX submitted an illegal usury interest rate claim to these people that is called XXXX XXXX XXXX/XXXX ... .I do not owe these people anything and would like for them to stop harassing me ..I am XXXX ... .years old and can not take this type of consistent harassment.
This is fraud and I have reported it to the company and debt collector and I have been ignored by both of them. I want my debts cleared and all my personal information kept private.
Greetings. I periodically check my credit on   XXXX   XXXX   and I have seen that there are hard inquiries that I didnt ask for. There are  XXXX  in the same date. Im worried that someone is trying to use my credit information or those companies are making changes on my score. My score drop down  XXXX  points without my consent.  <P/>  This is what i found in my credit that i do n't recognize 1.   XXXX  /  XXXX   XXXX   Last Reported by  XXXX    XXXX   XXXX   XXXX   2.  XXXX  Last Reported by  XXXX    XXXX   XXXX   XXXX   3.  XXXX / XXXX  Last Reported by  XXXX    XXXX   XXXX   XXXX   4.   XXXX   XXXX   XXXX   Last Reported by  XXXX    XXXX   XXXX   XXXX   - Thanks
I applied for an apartment complex, XXXX XXXX, who uses XXXX for their third party screening. I applied and was approved at the end of XXXX. The XXXX inquiry shows on my TransUnion credit report. Less than a month later, XX/XX/2018, I notice a second inquiry from XXXX on my report. I quickly called XXXX to inquire about the second inquiry. They stated they would only request a copy of my credit, under the direction of the asked company, which happens to be XXXX XXXX. I called the leasing office. Everyone in the office denied the claim. I later emailed the emailed the leasing specialist. She admitted to sending a second inquiry about my credit score via email. She stated it was an accident. I emailed the property manager. She stated that she would reach  out to XXXX and let them know this was an inquiry in error. I also sent a dispute letter to TransUnion which was delivered XX/XX/2018. Since then, the inquiry has remained on my credit. TransUnion has not informed me the dispute is open. It's been past 30 days since the dispute was received and still remains on my credit.