Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm a XXXX Veteran, pending a TDIU claim with the Dept. of VA, which is over 15yrs old now. In both XX/XX/XXXX & XX/XX/XXXX, I had to file Chapter XXXX Bankruptcy due to the XXXX dragging mentality of the DVA and the MANY other discrepancies involving the Administrative/Procedural Due Process, or the LACK, thereof. <P/>I am NOT expecting everyone to kiss my behind, or " Thank '' me for my service, due to my Veteran status, but I DO expect people to do their job. For the Record ... I do NOT live beyond my financial means. <P/>XX/XX/XXXX : Prior to being awarded XXXX, I was living on $ XXXXmo.. I had over $ 500mo in bills. I almost lost my house in XXXX XXXX, during this time & luckily, Social Security pulled through, otherwise I 'd be homeless. <P/>The debt for that bankruptcy was DISCHARGED and an Affirmation agreement with XXXX was filed. ENTER : XXXX merges w/XXXX, not long afterwards ( XX/XX/XXXX ). <P/>Between XX/XX/XXXX-XX/XX/XXXX : Even though I was granted XXXX in XX/XX/XXXX by XXXX, most of that retro pay went towards paying XXXX back payments, Atty. fees & late fees. From then on though, my house was showing definitive signs of disrepair. I could no long make the repairs, nor could I afford to pay someone to do it. I asked the City of XXXX XXXX, XXXX for help and a housing rep determined that the house was in dire need of repair and that it would cost around {$49000.00} to bring it up to code. I also qualified for a ZERO interest loan. At that time, the housing market was way below value. Contractors bid and ALL were way over the amount estimated! After this, I made just about EVERY ATTEMPT to find someone/anyone to repair my home, but to no avail. I contacted many charitable orgs., churches, the Dept of VA ... all fell on deaf ears! <P/>My last ditch effort put me in a deeper hole. I contacted XXXX ( homeowners ins. Co. ) and after a month, they CANCELLED my policy! I had them for over 15 yrs ( Home & Auto )! That caused this downward trend to escalate. XXXX then forced me onto THEIR " IN HOUSE '' Insurance, which later, it was found that they overcharged many people w/the same insurance. I did n't partake in the class action which took place around XX/XX/XXXX-XX/XX/XXXX. <P/>In XX/XX/XXXX, I had to do something, being that my roof was severely leaking and a ceiling in one bedroom and my kitchen had collapsed. The second bedroom was still intact, but I had to put holes to drain the water into buckets. This is NO JOKE. I have pictures that I posted online to prove this! My oil furnace always seemed to quit at/or around XXXX! I had to go into the crawl space to reprime it. My XXXX part of the house was showing green, black and white mold in the rooms effected with water leaking through. I came to a conclusion, that it was time for me to move or DIE, breathing in mold spores. <P/>In XX/XX/XXXX, the DVA " Miraculously '' granted a XXXX XXXX XXXX XXXX XXXX XXXX. I found another house in XXXX ( current address ) and got out of this cold State. <P/>I informed XXXX of my intent to abandon the XXXX property, via letter and by phone. They insisted that I partake in a financial discussion, which I determined was their attempt to keep me in the home, after I informed them w/a " Deed in Lieu of ''. It was determined, that XXXX took possession of the property, when someone entered the premises, threw a tarp on the roof, filled the sewer lines w/anti freeze and changed the locks. They maintained the property and paid County taxes. At least I THOUGHT they did ... <P/>From XX/XX/XXXX to XX/XX/XXXX-XX/XX/XXXX, I did n't receive correspondence from ANYONE regarding the XXXX address. When out of the blue, I receive a letter from an Atty in XXXX that represented the County of residence in XXXX. <P/>It appears that XXXX, seeing the condition of the house, decided to " surrender '' it back to XXXX XXXX. In doing so, NO ONE from XXXX informed me of their intent, so back taxes accrued, along with lot mowing fees and ( other residents ) trash dumped on the property. You can say, that I was absolutely STUMPED! <P/>I also discovered that XXXX XXXX refuses to release the Lien, unless I fork over {$1000.00}, even DURING a BK proceeding?! So, getting this house off my back & my name off the deed, is virtually impossible! <P/>After seeing that I am NOW liable for all these expenses, I had no alternative but AGAIN, filed Chapter XXXX, in hoping that I could release my self completely from this property which I had abandoned in XX/XX/XXXX! <P/>I contacted XXXX atty 's. out of XXXX, with the intention of getting completely released from any/all obligations from this 80 ton anchor in XXXX, XXXX, INCLUDING having my name taken off the deed! It did n't turn out that way, even though during my first contact, I was promised that it would be. <P/>I ended up paying the back taxes and fees left to me by XXXX and my name is STILL on the deed. This STILL keeps me tied to this property, because I am close to CURRENT on taxes! <P/>Prior to filing the Petition in the BK Court, I insisted that I wanted to Keep my XXXX home and pay off the small loan which both were under Wells Fargo. I was told though, that by BK LAW, I had to disclose in the Petition, ALL debts and ALL assets. <P/>I was sent an inaccurate Reaffirmation Agreement to ensure to the bank, that I intended to keep the home. I noticed though, that the " agreement '' was n't accurate. The interest rate was wrong, the amount to be agreed upon was higher than it was supposed to be and the address was n't accurate. I put it aside and was going to address it shortly thereafter. I was on a strict deadline to file the petition. <P/>I ALSO went to a local XXXX XXXX branch and told the account rep that even if the loan is discharged, that I wanted to keep the TRUST established with this bank and to prove it, I was willing to continue paying off the loan. While there, I voluntarily paid {$150.00} ( which I have a receipt for ) to show GOOD FAITH. What a waste of time, effort and much needed cash this turned out to be. <P/>The hearing was held. <P/>Even though I 'm considered below the Poverty Level, for some reason, the trustee determined that I had sufficient funds to pay ( buy back ) for any outstanding debt?! <P/>Both Wells Fargo and the XXXX county tax office filed claims. This trustee also determined that an appraiser was to come to my XXXX home and list all the items that is considered of value. She did so and as I had seen, was a fair assessment! <P/>Yet, the trustee determined that I had {$5000.00} worth of value!? For exactly 12 months I had to pay {$410.00} each month, which clearly put me in a financial bind. I did so. Somehow though, this whole proceeding just does n't seem quite right. <P/>WHY should I have to pay for the taxes and misc. fees incurred on a house in XXXX which I abandoned, XXXX took possession of and still, XXXX XXXX has a Lien on? AND ... WHY did Wells Fargo end up filing a claim against me for the Personal Loan, when I informed them of my intent AND paid them {$150.00} which they did n't even deduct from the claim they sneakily filed!? <P/>Further ... ENTER : The Reaffirmation Agreement and the credit damage that it has caused ... It is ( at the time of this submittal ) XX/XX/XXXX, my Credit history is if I were just starting off fresh, out of High School! There are portions of it that are completely FALSE & MISLEADING! I was n't aware of whos XXXX up it was, until I decided to apply for a car loan and was told that I had a " XXXX FICA SCORE! "? XXXX? Yes ... there 's NO activity on my account, even my Mortgage payments that were being made since the petition filing ... here 's why ... <P/>That Reaffirmation agreement which was inaccurate was FORGOT ABOUT and remained tucked in deep within my paperwork. That was MY FAULT! I had a deadline to maintain and a mountain of paperwork to file to the Court. I did n't know that it was n't addressed, until XX/XX/XXXX. <P/>I do n't know if it 's Wells Fargo who failed by it 's inaccuracy, the ATTY OR STAFF at XXXX ( handling the BK ) or the Bankruptcy Court Clerk ( Because of the " BK Court '' letterhead on top of page ). <P/>Regardless of who, I can not establish a Bona Fide credit standing, because Wells Fargo informed me that it was to late to correct the problem, being that the proceedings are over and the debt was DISCHARGED! However, Wells Fargo is still taking mortgage payments and NOT reporting them to the Credit Bureau. They informed me that in order to establish credit, I have an option of obtaining a Credit Card and/or going to another bank and refinance!? <P/>First, I DO NOT want any more credit cards. Second, their stupid idea of refinancing is ludicrous, being that I would have to fork over cash to complete a process, when all I wanted to do was re-establish a TRUST with this bank, despite the prank they pulled a yr or so ago! Third, HOW is anyone else going to even consider doing a " refinance '', with my credit standing as it is today? <P/>Now I DISTRUST this bank! <P/>In conclusion ... 
Not that I am passing blame, however, ALL of this falls under the jurisdiction of the Dept. of Veterans Affairs! The 15+ yr old claim should have been awarded as early as XX/XX/XXXX. Social Security determined that I was " XXXX XXXX XXXX '' XXXX in their decision ... why not the DVA?! Even though, this is n't this Agencys problem, it is worth mentioning that I would n't be in this financial mess if the DVA resolved the claim in an expeditious manner. <P/>So, when people at this bank " Thanks '' me for my service, do n't waste your breath! Your actions show different. _________________________________________________________________________ Issue # 2,  but not as lengthy ... Under XXXX, my Credit report shows that I owe {$49000.00}. This is NOT TRUE! I owed close to $ 40,000+/- to XXXX mortgage, which was discharged in XX/XX/XXXX. XXXX merged with XXXX sometime around XX/XX/XXXX. <P/>ALL the accounts listed are CLOSED. Nor were all my mortgage debts 100 % paid off! This was not of my doing. <P/>Please forgive for the length!