WillisBack/dataset-financial-user-claim huggingface dataset:
In response to my request for loan modification, and after several rounds of XXXX/PHH admitted " errors '' ( in which XXXX/PHH violated each and every letter of consumer protection laws ), XXXX   send a letter dated XX/XX/XXXX. It states : " Following the review of your last application for Homeowners Assistance, which was denied on XX/XX/XXXX, it was determined that ERRORS were made in the last determination. An underwriting policy CHANGED was made on XX/XX/XXXX, and with it, the computer program used to analyze loan modifications was also CHANGED. REGRETTABLY, ERRORS were found in the data inputted ... resulted in your failure to qualify under the housing-to-income ratio .... '' Capitalization is mine.

XXXX  then offered a bizarre ( interest rate only ) modification. Still, I requested the full terms of the modification agreement. XXXX   refused to provide it, stating that I have to accept the modification and 3 months later I would see the terms. That was both illogical and illegal. I refused to accept this entrapment.

My refusal to accept the 'offer ' notwithstanding, XXXX/PHH on their own and without my knowledge and consent cancelled the ACH automatic debit in effect for 14 years uninterrupted, reported me to credit agencies as delinquent, and ruined my credit to the extent that I could not get a loan to exit XXXX/PHH fold. XXXX/PHH have been consistently advised that they can withdraw the funds anytime. They refused.

In canceling ACH without my consent, XXXX/PHH violated the law and their own agreement with me. I even furnished them with their policy terms. They are bad actors.

In response to my CFBP complaint # XXXX filed on XX/XX/XXXX in which I complained about XXXX/PHH ruining my credit and preventing me from getting a mortgage to exit XXXX/PHH trap, todayXX/XX/XXXX ( after 61 days ) XXXX/PHH responded stating : " On XX/XX/XXXX, you contacted our Customer Service Department via telephone and informed the representative that you wished to continue the direct debit since you had yet to reach an agreement on the trial modification. We regret that due to an oversight, we failed to process this request. '' This response in unacceptable. It fails to mention is WHY XXXX  /PHH , without my permission or consent, cancelled the ACH in the first place. It fails to mention how XXXX/PHH would compensate me for ruining my credit, preventing me from getting a mortgage, and who is going to pay for the higher interest rate now.
For several years now, despite scheduling my payments online, on time every month, Chase is charging, then crediting late fees. 

While they are crediting these late fees, there should never be a late fee charged to my account in the XXXX place as payments are always made on time. 

When speaking with XXXX in Customer service today, she said I should be making my payments by phone in order to not have late fees charged to my account. I do not accept that this is a more efficient or better way than making my payments online. 

As an example of how I make my payments, for XXXX, I scheduled my mortgage payment on XXXX to deduct from my checking account on Thursday XXXX, the final day it is due. I have been making my payments like this for the last 15 years. 

I no longer accept that Chase charge then deduct late fees on my account, and I request that they place a clear note on my loan accounts with them that states my account has never been late. I understand how these things work, and it could prove to be problematic for my credit down the road. 

Thank you for looking into this, XXXX XXXX
Long story. 
Sometime in XX/XX/XXXX, ocwen imposed lender placed insurance on our residence claiming we dont have insurance. Back and forth after 2 months ocwen acknowledged we had insurance and retracted the lender imposed insurance. 
Since last 10 years we never skipped a single mortgage payment every one is ontime. 
Ocwen started sending demand letter paying some late fees which we dont know. 
I have a record of all the payments made to them via bank online. 
Last 3 payments, Month of XXXX, XXXX and XX/XX/XXXX they put entry in the credit report as a late payment. 
I m getting not a satisfactory answer with them. 
I need remedy for this. Our application for home equity loan with bofa has been denied even though we have XXXX equity in our house. 
Our loan number XXXX Toll free XXXX XXXX XXXX. 
Pl help us
I went to emergency room in 2014. I was misdiognosed given the wrong antibiotics and was back in the ER a month later. I had not recieved a bill from the hospital and found out a collection agency had put every bill on my credit ruining my credit. every year since they total the bill up change names and put it on my credit as a new debt. It went from a {$1000.00} to almost {$10000.00} now. Ive tried disputing this with yet any results from the same credit companies giving away our info. what can do? In the past I paid a debt collector in full 10x the amount of the original bill and it had no effect on my credit It stayed for 7 years. These agencies now are changing names and every year acting as a new bill and adding to each other. I didnt even think medical bills were supposed to damage a persons credit being nobody expects emergencies and noone can afford there bills. One of my bills is {$500.00} for for someone bringing paper towels. one is {$500.00} for someone bringing a towel. I know that is another issue and the towel person has to maintain a luxurius lifestyle while I poor down sweat everyday taking care of a family barely surving, But collections destroying peoples lives by holding a persons lives XXXX and fraudualant tactics of robbing people and giving nothing in return should be dealt with very harshly for the safety of the public.
Sir/Mam, This letter is a follow up of the complaint i submitted last XXXX XXXX, 2017, with case # XXXX, against the Collection Company Mullooly, Jeffrey, Rooney & Flynn. 

One night around XXXX a man just knocked the front door so loud as you can feel the vibration of the wall and i was terrified as if there is a lunatic or drunk man outside of the house looking for a fight. I was stunned and shocked from my sofa as i was half-slept and tired just got home from work. When i go out to check a man in his XXXX or XXXX about XXXX XXXX male at first, introduced himself as a delivery guy and his looking for miss so and so, my mind was still in state of shock from this very loud knock from the door. When i ask him what is the delivery he cant answer me directly and it made me so confused and XXXX off for he woke me up for nothing. And then when i ask him why do you knock the door so hard, he begin intimidate me by introducing himself as a government employee and he is looking for a certain person in the house. everything is not clear he just showed up to intimidate and misrepresent everything by conflicting who he really is. And it happened again knock on the door so loud and it happened again and again from XX/XX/XXXX to XX/XX/XXXX. And also i received multiple phone calls from unknown callers to my workplace and it is embarrassing. Calls like every hour and sometime multiple calls in an hour, it depends on their mood to annoy people. 

please help me they already holding my {$5900.00} of my savings from XXXX XXXX XXXX, i know its illegal to take someones money for someones debt. I dont know these people, to whom i own the money and how much money i owe. Upon reading through the site of consumer protection bureau im a victim of phantom debt and usually the victims are small people like me who have no knowledge of the law. 
And also i called the XXXX XXXX they say the collectors is looking for like {$2900.00} but they take away more than what they looking for but XXXX XXXX give me unclear answers and more confusions. 

hope you had a very good XXXX. 

Thank you from the bottom of my heart.
Business & Professional collection services is reporting XXXX accts which I paid & they agreed to remove from my credit when they accounts were paid. I 've contacted all XXXX of the bureaus and XXXX has removed the accounts. XXXX & XXXX however are still reflected as a current collection on my credit report. I know this is a violation of the FCRA especially when the company agreed to remove it when it was paid. I 've tried contacting them through normal mail, phone & the bureaus but they are ignoring my requests. Can you please assist me in getting these XXXX accounts removed from my credit?
XX/XX/XXXX my then husband and I ended up foreclosing on our home. Our last payments made to the mortgage lenders was XX/XX/XXXX. Once we left the property we received nothing further from any of the Mortgage lenders. Credit reports pulled XX/XX/XXXX showed ALL mortgage accounts as 'closed '. I have these reports. XX/XX/XXXX, well past the Colorado statue of limitations ( 6 years ) I was being sued by XXXX, XXXX, Assignee of XXXX XXXX XXXX XXXX , XXXX. I disputed the claims and now have a Judgement on my credit! The original loan debt was for $ XXXX. The judgement is for $ XXXX!! I have been back and forth with XXXX XXXX whom have just informed me that this is NOT their case and that it is in fact GMAC. Whom purchased the loan from XXXX XXXX back in XXXX XXXX.
XXXX XXXX, 2016 I got an alert on my credit from a company called XXXX XXXX XXXX. stating I owed them {$110.00} for medical service. I sent the company a very detailed letter requesting validation on this account. I asked XXXX XXXX XXXX. to provide me with : 1. what the money they say I owe was for 2. explain and show me how they calculated what they say I owe 3. copies of anything i signed saying I agreed to pay them 4. Identify the original creditor 5. show me that they are licensed to collect in my state of PA 6. To also provide me with their license number and a registered agent. 
As of Today XXXX XXXX 2016 this company has failed to contact me. I notified Equifax on XXXX XXXX 2016 in writting that this was not my account. they did not remove it I notified Equifax again in writting XXXX XXXX, 2016 when the company did not send me any information I asked for after 30 days of the first letter I sent them. I sent Equifax copies of my reciepts and certified mail return receipts to see that I did indeed send these letters to this company. Equifax still refuse to remove this item off my credit. XXXX XXXX XXXX has wrongfuly placed an acccount on my credit report that is not true and does not belong to me. If needed I can mail you guys the copies of the letter and receipts as well.
In XXXX I opened a court order CD for my minor child, due to his injuries. The account was opened at XXXX XXXX. The court order reads : The blocked account or accounts belong to a minor. The minor was born XX/XX/XXXX. No withdrawals of principal or interest shall be made from this blocked account or accounts without a written order under this case name and number, signed by a judge, and bearing the seal of this court, until the minor attains the age of XXXX years. When the minor attains the age of XXXX years, the depository, WITHOUT further order of this court, is authorized and directed to pay by check or draft directly to the former minor, upon proper demand, all moneys including interest deposited under this order. The money on deposit is not subject to escheat. 
On XX/XX/XXXX, my son now XXXX and 1 day went to now holder of money Chase bank to withdraw his money and was denied, they stated to my son and I we still need a court order to withdrawal the funds. They have in their hands uploaded once again original court documents and are refusing to release funds. We are above frustrated with Chase bank. XX/XX/XXXX
A debt collector that solely has business with my husband on an issue from before he and I met tried to contact me through my employer by phone yesterday as a fear tactic and spoke with another member of my company and told them that I needed to call her back before XXXX and the let me know she works at " Genesis Credit Management. '' I have XXXX business to do with this, I have never spoken to her, my husband never authorized anyone other than him to talk to this company regarding his debt so I can with 100 % certainty say she phished for my information and contacted me as a 3rd party at my place of employment. This violates XXXX of the FDCPA rules alone. 


For more context : My husband experienced an incorrect eviction ( partial rent paid on XXXX due to XXXX out of state immediate family deaths and then rest in middle of month after 10 day had already been served ) earlier this year ( before we were married and on an apartment I have XXXX association with ). 

He has been contacted repeatedly in the last week by an " XXXX XXXX '' from " Genesis Credit Management '' and I have listened as an observer only to her berate and verbally abuse him ( on speakerphone ) while he tried to respectfully work with her on a payment plan. She continued repeatedly threatening to " take him to court and garnish his wages if he does n't pay his debt in full now! '' I would be happy to listen to the audio recordings she supposedly took of the conversation. 

Needless to say my husband tried to negotiate with her to the best of his ability but no amount that he can afford was enough. 

I called her and left her a voicemail letting her know I would not tolerate her contacting me, let alone at my place of work so that rumors could spread and soil my reputation without any backing. I want to file a lawsuit and sue her for the damages of dragging me into a matter that does not involve me and by getting another person at my place of work involved in business that is personal for my husband and does not affect me or the company I work at.
My mortgage was recently sold to Nationstar Mortgage. I am a month behind on my mortgage and have been since before they bought it, I have discussed this with them several times, they know my situation and that I am working to resolve my delinquency. However, since they purchased my account, they have been in nothing but a dogged pursuit of me because I am a month behind. I was receiving relentless phone calls until I blocked their number, I get letters in the mail it seems like every other day, emails, most recently text messages and now they 've had people showing up at my door. I am not in default of my loan, I am a month behind and trying to get caught up, I have told them this several times. This kind of abuse is ridiculous, cruel and needs to stop, it should be criminal for them to harass people like this, especially when I am trying to work with them. The real kicker is that my mortgage was included in my bankruptcy in 2011. If I am not mistaken, I do n't believe they should be calling or harassing me at all as a debt collector. In addition to the abuse, they have begun submitting negative " hits '' on my credit report, I do not believe they can do this either? I have also seen additional fees, I presume they are borne out of financing their harassment regimen, but I do n't believe I should be responsible for those either? This company is out of control and needs to have someone with the ability to end their bullying, do just that, END THE BULLYING. I hope I did n't go through the process of writing this complaint for nothing, please do something to end the abuse of hard working middle class people that have found themselves momentarily down on their luck.
An account was paid off in 2011. Collection agency that had the account ( XXXX ) has now sent all XXXX credit bureau 's XXXX letters stating that the account is paid in full but none of none of the credit bureau 's will mark it as paid. I have now opened XXXX investigations with no change from credit bureau. I need this resolved so it can quit negatively affecting my credit.
I have been paying my account accordingly since the beginning of the loan. In XX/XX/XXXX, we were hit by a natural disaster in XXXX and apparently they stopped reporting my payments. This was not done at the request of myself. In XX/XX/XXXX I paid the car off. The account shown on my credit shows that the Santander account is still open with a balance when it is not.
Experian has not removed this account XXXX XXXX XXXX XXXX XXXX from my credit report. This account is too old to be on credit file and I am withing guidelines to have old creditors removed. I am mot familiar nor have I ever paid on this account. I am asking Experian to please remove immediately.
I overdrawn my account with a transaction and it posted and was charged the {$35.00} overdraft fee. The next day the bank reversed the transaction and charged me another {$35.00} overdraft fee. If I am being charged for an overdraft fee once for the transaction I should not be charged it again.
I had been out of work for a while. And they would constantly call and harass me for money. even went so far as to ask me to ask someone else for money. i think the interest rates are outrageous. XXXX is at least XXXX %, also the school I owe money to has been shut down. So i do n't believe that i should repay them.
I am a victim of fraud. Several inquiries were made fraudulently on my report. 
XXXX XXXX XXXX on XX/XX/XXXX - XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX On XX/XX/XXXX XX/XX/XXXX
XXXX XXXX XXXX of PNC bank refused to provide me and my wife copies of both our credit reports once we applied for a refinance mortgage and we met the minimum requirements outlined by PNC bank. She refused to grant me access to her boss so i could complain. apparently all bosses are on vacation.
Our struggles with our mortgage company started about the sixth month we got our mortgage. My wife, daughter and I all started having health problems, which in turn caused us to have financial issues. My wife missed eight months of work and it caused things to spiral out of control even further. This company has been a nightmare. We have been harassed to the point they are sending people to put notices on our door to call the company and tape them to our door. The tape is so heavy duty, that is actually damaging our door! The financial figures the company comes up with do not make sense. Our escrow account has been mismanaged. When I filed a complaint prior, we received money back from the company and things got better for a little while. I have attempted several times to work with the company until we can refinance, but things have been quite overwhelming and like a domino effect in every facet of life. I keep making payments well beyond our monthly payment each month and the monthly payment keeps going up and up and up. The Money Source keeps employing predatory tactics to steal our home and I don't know how they get away with this. If we have a fixed mortgage, how can they keep raising our monthly payment? They have a " bucket system. '' So when I am caught up as far as I am concerned on our payments, they keep saying we are behind on our mortgage and charge fees. Now our loan is in default. For six months we had an agreement if I paid this ridiculous rate we would be caught up. For 5 mos I paid the payments on time. The sixth month I paid the payment a week late and they said that made the contract null and void and we were in default and therefore were 1 to 2 mos behind again. I don't understand at all. I have been trying to contact the HUD FHA resources, but due to other issues and the government shutdown, I did not receive assistance. However, I plan to try again.
I received my credit report and there is two address on their I have never lived at. I would like those removed. 
XXXX XXXX TX XXXX XXXX. XXXX TX XXXX
I got a payday loan of XXXX. The XXXX thing they did was charge my payment on the wrong day then add those fees, the XXXX thing was they did n't take the whole payment but started charging me every month at 1140 % .Then I refinanced, but they tricked me and I had to pay more to pay off my existing loanand get a new one! Not what I was told!
I have made this company aware that I am a Victim of identity theft. This Company has ignored a police report with Verification that I am the victim of identity theft. This company is reporting fraudulent information on my credit report. I have told them that during the time in question I reside in North Dakota and sent proof. I have also told them that I am and have always been on XXXX. Additionally any bills that I accumulated while on XXXX they would 've paid. It 's also AGAINST THE LAW TO BILL SOMEONE WHO 'S INSURED WITH XXXX FOR ANY OUT OF POCKET MEDICAL EXPENSES. IVE HAD XXXX SINCE 1980 UNTIL NOW.
I opened a checking account on XXXX/XXXX/2015, and moved to a new state shortly after. Citibankaccepted my initial deposit of {$8800.00} into the account via a transaction over the phone. To date, I am unable to access my account, or use my debit card as I have not received my PIN number ( despite having mail forwarding, and receiving my ATM card ). Upon calling Citibank representatives they refuse to allow me access to my account in any way. I have had my ATM card and PIN number sent back to me TWICE. I have only ever received an ATM card ( with noPIN ). Additionally, I can not access my account in any way due to the lack of ATM/PINverification. The wonderfully brilliant powers at Citibank decided that an ATM card and PINcombo is the only way to verify identity ... even though they accepted an initial deposit from this very same unverified identity. It is XXXX/XXXX/2015, and I have NO ACCESS to my funds. I have no checks, no usable ATM card, no online access, and no other access to the funds in my account.
I 've been a loyal cardholder with Synchrony bank since XXXX. I currently own a card from Care Credit, Chevron, Jc Penney 's and Lowes. In XX/XX/XXXX I filed a complaint via Consumer Financial Protection Bureau in regards to my Chevron Card because my limit was decreased from {$3000.00} to {$1200.00} which I thought was too low for a customer who has been a cardholder for 13 years. My limit has never been decreased even when my credit score had slightly changed in the past. Evidently, my credit score changed earlier this year which led Synchrony bank to decrease my Chevron Credit Card limit. Furthermore, the reason why I am filing a complaint today is because I feel as though I am being retaliated against from filing a complaint back in XX/XX/XXXX. When I filed the complaint in XX/XX/XXXX I received a response from XXXX XXXX XXXX, Senior Specialist who decreased my limit on the Chevron Card but also turned around and decreased my Credit Limits on my Jc Penney and Care Credit Card some weeks later because I received a letter in the mail. I know that my credit limits were decreased ONLY because I filed a complaint on my Chevron Card in XX/XX/XXXX. I don ; t think that was right, it was very disrespectful and inconsiderate. Remind you, my credit limits were not decreased until after I filed the complaint.
I took out a private student loan from Wells Fargo Bank with my mom as a co-signer. This loan is to fund a XXXX program at XXXX XXXX University in XXXX, CA. The loan is now in default, but I made an agreement to still pay monthly payments of $ XXXX/month. However, I stopped the automatic payments for a few months, but then made another agreement to lower the payments to $ XXXX/mth. Apparently, I forgot to cancel the stop payment order with my bank and then Wells Fargo was not able to obtain the automatic payments from my bank. A few months later, Wells Fargo Bank took out {$1100.00} from my Mom 's bank, who is the co-signer of the loan without her or my consent or permission to do so. They simply just took out the {$1100.00} from my mom 's bank because she is the co-signer and we are not able to get that money back even after many talks with them. Is there a way to get the money back they they took out?