WillisBack/dataset-financial-user-claim huggingface dataset:
Choice Recovery violated Public L aw 95-109, Section 805-C, THE FAIR DEBT COLLECTION PRACTICES ACT to hereby CEASE AND DESIST.  THEY DID NOT CEASE AND DESIST AS THEY DID NOT REMOVE THE DEROGATORY INFORMATION FROM ALL OF THE CREDIT REPORTING BUREAUS FILES.       I was advised by the credit bureaus, th at Choice Recovery placed the account for collections per attachment.      I submitted per attachment under Public L aw 95-109, Section 805-C, THE FAIR DEBT COLLECTION PRACTICES ACT to hereby CEASE AND DESIST in any and all attempts to collect the above debt. Pursuant to the Fair Debt Collection Practices Act. 15 U.S.C.A 1601.1692 et al, and to remove  the derogatory information on my credit bureau files.       CEASE AND DESIST in any and all attempts to collect the above debt. Pursuant to the Fair Debt Collection Practices  Act. 15 U.S.C.A 1601.1692 et al,  and to remove all derogatory information on my credit bureau files.
id theft happen to my account cra violation inaccurate information with XXXX had issues with accounts that caused all kinds of overdraft that was not my fault
My Citi ( XXXX ) XXXX ( R ) Card charged me interest even though I paid my account in full. When I asked them about this, they said that with this particular card you are charged interest from the prior month on your daily balance, even if you pay your account in full.
I made a payment agreement with XXXX which are the debt collectors for Navient Student Loan. I made a settlement amount of {$4200.00} to completely pay off my student loan that they currently hold from XXXX XXXX. This agreement was made in XXXX XXXX. XXXX XXXX would deduct eleven payments of {$150.00} starting from XXXX XXXX from my banking account and then XXXX final payment of {$2500.00} on XXXX XXXX. I made all of the eleven payments for {$150.00}. I then spoke to XXXX about the final payment stating that I could n't make it in XXXX but instead in XXXX XXXX. XXXX called navient to make sure that this would be okay by getting me an extension till XXXX XXXX to satisfy the settlement. Navient agreed to this and gave the extension. I made the final payment on XXXX XXXX, XXXX for {$2500.00}. I then called Navient three or four day 's letter. They instructed me that my payment has been received from XXXX XXXX and my agreement has been fulfilled. I then asked when could I receive my settlement letter and when would this be reported to the three credit bureau agency 's XXXX. Navient stated that I would have to wait 30 days so the payment is verified. I said okay. I called back 30 days later and a representative from Navient stated that their policy has changed a week ago and that I have to wait 45 days. I argued with them and they said that there is nothing I could do except to provide proof that the funds have cleared. I stated no when they have had the funds for over 30 days now. I asked to speak to a supervisor they said okay and then I was hung up on. This happened all three times that I called back. I called back 17 days later asking for my settlement letter. I was told that my account was delinquent and that not all funds have been paid. I called XXXX as they stated that that was incorrect and that all information was sent over including the funds to Navient on XXXX XXXX, XXXX stating that my account was paid in full for the settlement amount. I called back Navient and they stated that they would open an investigation and to call back after 3-5 business days. They also stated that if this matter has been clarified and my account settled that it would not be reported to the credit agency agencies for 60-90 days. The supervisor informed that this is Navients policy
Green Tree Servicing had our mortgage and we submitted paperwork for a loan modification several times and we were denied each time. Then Ditech took over our loan and we requested a loan modification with them and were denied, also. We submitted a request to our first mortgage and it was accepted, so we could n't understand why Green Tree nor Ditech would help. Ditech 's interest rate is 10.5 % and at one point we fell behind one month and we have that along with some late fees totaling over $ XXXX. We asked if the interest rate could be lowered and if the $ XXXX could be added to the end of our loan, but we 've been denied. We fell through some hardships and filed for bankruptcy in 2008, but since then we have tried to make all of our payments on all of our bills, but we 've fallen into other hardships and have become over extended credit wise, and my husband is sick and, although, his paychecks sometimes have overtime, there are many where he is short due to leave without pay, because he uses up his sick and vacation time due to illnesses. All we 've been asking for is for some assistance in lowering our interest rate and adding our fees tot he end of our loan. We ca n't refinance because we owe more than our home is worth and because of our loan and credit card debt. I 'm not sure if this is even the place to ask or if this is even considered a complaint and if it is n't, we would greatly appreciate it if you could send us in the right direction. Sincerely
Ive been a XXXX  XXXX client for over 16 years opening my first credit card account with them in XX/XX/XXXX. In XXXX they reported a 30 day late payment on my credit report which severely damaged my credit score with false information. I had payed the minimum balance but the transaction was pending and not excepted until after the due date which is out of my control and not my fault, even XXXX  XXXX agreed and said that i was not at blame. Even so that they actually refunded me for the late fee i was charged because they said i was actually not late on the payment that it was an error. i attached files showing the late fee being charged in XXXX ( the month thats appearing as 30 days late on my credit report ) and proof of my payment to the company along with the refunded payment they sent me back for there mistake. I told them to also remove the late payment from my credit report but they refused and it has been on there since.
Company name : XXXX XXXX XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX, XXXX Address : XXXX XXXX, SD XXXX Company name : XXXX ( XXXX Bank Delaware ) inquiry date : XXXX XXXX, XXXX Address : XXXX, DE XXXX
Two issues XXXX 1. PNC Bank has a policy where if a customer has his or her credit card attached to a checking account, and the checking account is over drawn then PNC will transfer the minimum of {$50.00} dollars to the over drawn account. However, PNC only allows a payment to be made up to XXXX, which means in almost all cases, a payroll deposit that comes through at midnight, will almost always be too late to cover the amount over drawn, thereby allowing PNC Bank to charge a minimum {$10.00} or a percentage ( which ever is greater ) over draft or transfer fee. 
2. PNC Bank notifies the account holder after the over over draft or transfer fee has occurred, which does not allow a payment to be made prior to the fee being charged. 

I believe PNC Bank deliberately set the time to pay an over drawn account at XXXX, to prevent account holders with payroll deposits from being able to place the over drawn funds back into their account before the fee is charged. I also believe PNC Bank deliberately notifies their customers after the fact to ensure that they can charge the overdraft fee. 

I did speak with PNC Bank regarding this matter and they response is that I should keep a positive bank account.
I did receive a tax reduction from NY State as well as RoundPoint Mortgage. It has been more than 3 months since I was told ; that they have to run an escrow analyses. Until now nothing is being done meanwhile, my Mortgage remain the same.
Chase bank bought my Mortgage and then admitted that they mistakenly coded my homeowner Insurance as paid, when it was not. They bought a forced lender policy for XXXX in XXXX of 2015 and one for XXXX less than a year later. Then, after admitting that the Bank was at fault for " human error '', they reimbursed me for XXXX and then after many weeks, another check for XXXX. As far as I can see, they still owe us XXXX but while all of this was being figured out, they took out a third forced lender policy that was in effect for a matter of days and charged us XXXX within the last couple of weeks. This is a violation of RESPA because my Mortgage is escrowed and they were responsible for paying my Insurance. It is my belief that they cancelled the policy on purpose so that they could replace is with an inferior policy that cost five times what my policy was. The only reason they responded at all is because I told them I knew they violated Federal Law. And no they are trying to keep the cookies when they got caught with their " hand '' in the jar. If I were to do this in the general course of things, I would, no doubt, be in jail. I am only asking for what they took from me right now, but I may seek representation, if necessary. Thank you, respectfully, XXXX
Yes Hard Inquiries have been addressed with the XXXX major Credit Reporting Companies however for reasons I am unable to understand or explain the Credit Reporting Companies fail to remove the Inquiries when they expire. XXXX XXXX XXXX made an inquiry on or about XXXX XXXX, XXXX, that resulted in a HARD INQUIRY which should have fallen off my Credit Report however it remains and continues to be reported. There are other Hard Inquiries that will be expiring soon and hopefully they will be removed without submitting a Complaint or further review of my Credit Report History.
I took out a car loan with Chrysler Capital for a new car. My contract reads " Payments will first pay interest owing to the date you receive my Payment, then Late Charges, and the remainder will reduce the Principal Balance I owe. '' My contract also states " If I pay off early, I will not have to pay a penalty. " On the first month I made a double payment on XXXX check and in the notes I requested the overage go to principal. The payment was applied to the current months payment and the following month 's payment rather than my principal. I called in and they said that I needed to create a separate check that said " Principal Only. '' They corrected it so the second payment did go to principal. 

On the second month, I sent in two checks one for my payment and a second that said " principal only '' for a round number slightly less than my car payment. They apologized for the error and corrected it so the second payment did go to principal. 

On the third month, I sent in two checks one for my payment and a second that said " principal only '' for a round number slightly less than my car payment. This time they DID credit the principal only check to principal but they DOUBLED the interest on the check for the monthly payment and pushed the next payment two months further instead of applying it to principal. In other words, they did the same thing but tried to get cute with the accounting. 

I called and the person I spoke with said that I would have to call in each month to get it fixed. I said no, ma'am that 's not acceptable. My contract reads that overages will be applied to my principal. While I bent some with the separate check request in the spirit of cooperation, the truth is I should be able to send XXXX check in for {$1000.00} and have it applied exactly how my contract reads. They expect me to follow the contract or there are all kinds of penalties for me ; they should also have to follow the contract.
While reviewing a recent copy of my [  XXXX   ] c redit report I noticed acredit inquiry by your company that I do not recall authorizing.   I understand that you are allowed to put inquiries on my file, but only if I have given my authorization.   Please have this inquiry removed from my credit file as soon as possible. I have sent this letter certified mail because I need your prompt response to this issue.   I would greatly appreciate receiving a written response that you have had the unauthorized inquiry removed.   If you find that I am mistaken, then please send me proof of my authorization.     Thanks in advance,  XXXX   XXXX   XXXX
On XX/XX/2018 during the early evening I called by a XXXX who left a voicemail. He stated that he was XXXX from ADS and that he was attempting to locate me. Did NOT mention this involved a debt. he went on to say that I had until the next morning to call him at his direct number for they would contact my employer and family members to try to locate me ... obviously not something I want, that's embarrassing and that makes me look bad. I called XXXX direct line that he provided in the voicemail and I requested something validating the debt. He point-blank refused to do so, telling me he had no obligation to do so, claiming that I had received documents in the mail and said that they had sent plenty of emails to me in which they had read receipts of ( which I NEVER received ). I had told him that I did not receive emails and he kept arguing with me and started to raise his voice. He told me that I was going to get my wages garnished at one point.He was literally yelling at me by the time I requested a supervisor, in turn making a snide comment. I have unfortunately fallen on hard times, and have had dealings with debt collectors before ... before good night, I have never had anyone threaten me or yell at me like XXXX did. The supervisor was more concerned about me paying the debt rather than his employee.l good night, I have never had anyone threaten me or yell at me like XXXX did. The supervisor was more concerned about me paying the debt rather than his employee. I will be reporting this to the FTC as well.
On XX/XX/2018 united west collections contacted me and was very angry that I made a complaint w cfpb.

I was yelled out I was told incorrect things I continued to tell the male rep that I never received information about this debt. That by law I should have been given a letter detailing this debt before it was put on my credit report.

He insisted some computer generated 3rd party agency sent the original letter BUT he had no date or postal verification Stop this company from harassing me, stop them from not following the law, and remove his erroneous collection from my credit report
ATTN CFPB DO NOT LIST THIS COMPLAINT AS A DUPLICATE! IT IS NOT A DUPLICATE LOOK AT THE DATE THAT IS LISTED ON MY EXPERAIN CREDIT REPORT FIRST! I AM RESPONDING TO THE INFORMATION THAT WAS LEGALLY PROVIDED TO ME BY EXPERAIN! 
I HAVE WRITTEN TO EXPERAIN SEVERAL TIMES IN REGARDS TO THE ILLEGALLY DISPLAYED INFORMATION THAT THEY ARE CURRENTLY DISPLAYING ON MY CREDIT REPORT! I HAVE REQUESTED SEVERAL TIMES THAT THEY LEGALLY VALIDATE THE US BKPT CT COURT XXXX, EXPERAIN HAS LEGALLY FAILED TO VALIDATE THIS ALLEGED ACCOUNTS INFORMATION SEVERAL TIMES! I HAVE PERSONALLY CONTACTED THE US BKPT, AND THE JUDGE IN REGARDS TO THIS MATTER, THE JUDGE IN THIS ALLEGED CASE HAS WRITTEN A LETTER ON MY BEHALF TO EXPERAIN, YET THEY CONTINUE TO REPORT INACCURATE INVALIDATED INFORMATION ON MY BEHALF. CFPB I WOULD LIKE TO KNOW WHY YOU HAVE NOT SENT MY COMPLAINT OVER TO THE FTC, BECAUSE EXPERAIN IS KNOWLY VIOLATING THE FAIR CREDIT REPORTING ACT, AND THE COLORADO FAIR CREDIT REPORTING ACT! I HAVE PROVIDED PROOF THAT EXPERIAN IS WRITTING THAT THEY ARE VERIFYING THE INFORMATION, WHO IS EXPERAIN VERIFYING THE INFORMATION WITH? BECAUSE THE US BKPT COURT HAS WRITTEN ME BACK SEVERAL TIMES STATING THAT THEY DO NOT CORRESPOND WITH ANY CREDIT AGENCYS, SO WHERE IS EXPERAIN RECIEVING THIER ILLEGALL INFORAMTION FROM? I HAVE CONTACTED XXXX XXXX IN REGARDS TO THEM REPORTING INACCURATE INFORMATION IN REGARDS TO THIS ALLEGED US BKPT COURT, AND THEY HAVE WRITTEN BACK TO ME TO CONTACT EXPERAIN IN WHICH I HAVE SEVERAL TIMES! I WOULD NOW LIKE FOR YOU THE CFPB TO DO YOUR JOB AND IF THIS COMPLAINT IS TOO COMPLEX TO SEND IT TO THE FTC BECAUSE THEY ARE THE ENTITY THAT CAN NOW EMPOSE FINES AND FEES AGAINST EXPERAIN FOR A DIRECT VIOLATION OF THE LAWS! IF YOU TAKE A LOOK AT MY PREVIOUS CREDIT REPORTS THAT I HAVE UPLOADED TO THE CFPB PORTAL FOR OVER 3 YEARS NOW EXPERAIN CONTINUES TO ILLEGALL CHANGE THE DATE IN WHICH THIS US BKPT IS ORIGINALLY SUPPOSTED TO BE REMOVED FROM MY CREDIT REPORT! THEY HAVE REPORTED THAT THE DATE IN WHICH THIS ALLEGED US BKPT WAS FILED WAS IN XXXX XXXX, AND THE DATE THAT IT WAS FIRST REPORTED WAS IN XXXX OF XXXX AND THE DATE STATUS IS XXXX XXXX, THESE DATES ARE INCORRECT, AND THIS ALLEGED US BKPT SHOULD BE COMPLETELY REMOVED FROM MY CREDIT REPORT! IF YOU TAKE A LOOK UNDER THE COMMENT SECTION ON MY NEW CREDIT REPORT THEY HAVE NOTED THIS ITEM IS SCHEDULED TO CONTINUE ON RECORD UNTIL XXXX OF XXXX. THE FAIR CREDIT REPORTING ACT LAW CLEARLY STATES THAT A BANKRUPTCY CAN REMAIN ON A CREDIT REPORT FOR ONLY 10 YEARS!!!!! ON XXXX OF XXXX THIS ALLEGED US BKPT SHOULD BE LEGALLY REMOVED FROM MY EXPERAIN CREDIT REPORT! EXPERAIN CONTINUES TO ILLEGALLY CHANGE DATES ON ACCOUNTS WITHOUT THE PROPER VALIDATION ON THE ALLEGED ACCOUNTS WHICH IS A DIRECT VIOLATION OF THE LAW! WHO IS GOING TO DO SOMETHING FOR THE AMERICAN PEOPLE AGAINST EXPERAIN, WHO THINKS THAT THEY ARE ABOVE THE LAW AND CONTINUE TO XXXX AND STEAL FROM THE AMERICAN PEOPLE BY NOT FIXING THE MISTAKE THAT ARE BEING DISPUTED!!!!!!!!
Last week Wells Fargo sent me a letter to foreclose on my home. I called multiple times Wells Fargo to try to work out a deal and they refused. Somebody by the name of XXXX from Wells Fargo email me stating they are here to help me. However, I emailed XXXX to see if she 's willing to work out with me. I 've been calling her the entire week and she has not returned any of my calls. She also has not reply back to any of my emails. All I am asking for is payment arrangements over a period of time.
I tried to explain to Wells Fargo, the hardship I have faced over the past couple of months. My daughter and my son has end up in the hospital with mounting medical bills. I had things I had broke down in the house including my water heater which cost me extremely a lot of money to put in. These are just some of the things that cost me to br backup and getting the money they need it at that time. I had number repairs that need to be done on the home, that caused me not to have the funds immediately. Including repairs on my vehicle to get to and from work.
I am trying to hold it together. Over the summer I had a death in the family. Until the day I still have not heard from my father who 's been affected by Hurricane XXXX. My daughter was in school last week and they called for an ambulance to take her to the to the hospital. I 've been having a lot of things go wrong. I 'm just asking to bare with me I will pay what I owe.
I submitted a appeal of a recent email of modification by Suntrust. 

I was approved with the same data XX/XX/XXXX/XX/XX/XXXX and made 2 of 3 trail payments. 

I diverted from making the 3rd and final payment due to using funds for a critically ill parent that just expired. 

I informed Suntrust of the hardship and asked for an extension for that reason and business reasons in XXXX 2015. 

Suntrust canceled my forbearance and modification. 

Suntrust informed me to apply again. I did so with the same data that was used to approve me just 90 days earlier. Suntrust manipulated and falsified my data submitted and falsely used it to decline my request for a modification. 

Suntrust asked me in the appeal letter to address information regarding a lien and I sent attorney information on that matter. Suntrust did not take the information I sent as trust and modify it with my request. 

Overall, this has been a brutal experience where my data has been manipulated or falsified or discarded so as to allow Suntrust to deny my modification.
On XXXX XXXX, 2017 I took a personal loan for XXXX from Heights Financial. I closed the loan and questioned why they were making me sign for credit insurance and an auto reward membership. I asked twice why I had to get these and it was explained that this was part of the loan. I signed the papers brought them home and in further review see I was charged {$530.00} for insurance premuims and {$240.00} for some XXXX XXXX XXXX. I called and asked why this was on my loan on XX/XX/XXXX and was told well you signed it so nothing you can do. If you dont want us pay us off. This is shaddy unacceptable business.
My son contracted with XXXX XXXX ( now Navient ) for student loans. The first loan was originated on XXXX/XXXX/XXXX for the amount of {$10000.00}, and the second loan was originated on XXXX/XXXX/XXXX for the amount of {$15000.00}. I cosigned for the student loans at that time. I filed a complaint in XXXX against Navient because they refused to work with us in settling on affordable terms for the loan repayment. That file number with your office was XXXX. That complaint was closed because we thought we had successfully negotiated an agreement with Navient for a reduced interest rate and reduced loan balance. Specifically, we agreed that the interest rate would be reduced to 0.001 %, that the total amount of XXXX loans would be reduced to {$12000.00}, and that we would pay that off with an initial payment of {$2500.00}, 24 monthly payments of {$160.00} through XXXX XXXX, and then a lump sum payment of the remaining {$6100.00}. 
However, we were never able to get Navient to commit to the agreement in writing. We have been making the payments in accordance with our verbal agreement, but Navient has never modified the terms of the loans. The loan information in our online account still shows the original loan interest rates and balances. This means that almost 90 % of our monthly payment is going to pay interest on the loans, and the balance is barely decreasing from month to month. This is not what we agreed to. I called Navient on XXXX XXXX, XXXX, and spoke with XXXX, and then with his supervisor, XXXX XXXX. They both reviewed their records, and verified that the terms I stated were correct. They had no explanation as to why the loan terms in my online account had not been updated, and they stated that they would get back to me no later than XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX, and I have not had a response from Navient. 
Furthermore, they have not updated the information on my credit reports to reflect that the loans are in repayment and not delinquent.
On  XXXX  we tried to get a modification of our mortgage loan but we did not get it ; therefore, we decided to ask for a Short Sale approval. We got the approval from CHASE ( they had purchased the original lender ) on  XXXX   XXXX , and the whole short sale process was finished by  XXXX   XXXX .     Almost 3 months later, on  XXXX   XXXX , we received a letter from  Chase announcing again we did not qualified for modification and asking to take one of the options they explained to avoid foreclosure. Obviously, we did not pay attention since we supposed that eventually someone in CHASE would realize of their mistake.  Unfortunately for us, it seems it was not the case, and a negative entry in our  XXXX  and  XXXX  reports says " Account paid after foreclosure started ''.     I have filed this dispute to  XXXX  three times. The first time on  XXXX   XXXX   XXXX , the only thing we got was a  XXXX  points reduction in my score. Second time, on  XXXX ,   XXXX   did nothing. On  XXXX   XXXX  this year, we filed again a new dispute and sent proofs : Approval from  CHASE (   XXXX   XXXX   ) , HUD Deed  (   XXXX   XXXX  ), Mortgage Release (  XXXX   XXXX   )  and the inconsistent letter announcing a future Foreclosure dated  XXXX   XXXX   XXXX . At the same time I faxed all these documents to CHASE.     Today I got an alert from   XXXX   and the false statement is still there. I called   XXXX    and despite the fact of being their customer for many years, and even being totally aware of this false statement because the letter announcing foreclosure was produced and sent  THREE M ONTHS AFTER we had settled, they said they can do nothing.