WillisBack/dataset-financial-user-claim huggingface dataset:
My mother died on XX/XX/XXXX, leaving me as executor. I recently received a foreclosure notice on the property our family lived in for almost 60 years. According to the notice, in XX/XX/XXXX my parents took out a loan for {$40000.00} from XXXX XXXX, to remodel the house. At that time, BOTH of my parents were retired, living on a combined Social Security of about {$1100.00} - {$1200.00} per month. Their payment was to have been over {$500.00} per month, and would last until XX/XX/XXXX, when my mother would have been XXXX years old. On top of that, the interest on the loan was 8.725 %. My father then passed away in XX/XX/XXXX, leaving my mom to make these payments on her SS check of slightly over {$600.00} per month. In XX/XX/XXXX, they made an agreement to lower the payment, but extend the loan until XX/XX/XXXX, when my mother would have been XXXX years old! As I said, both of my parents had retired years before taking out this loan. In addition, both of them had TERRIBLE credit! Why would anyone give a loan like this to someone, under these conditions. Also, I see that one of the stipulations in the loan is that they will not let the property deteriorate. At the time of the loan, the west wall of the house had already detached from the rest of the house. The floor on that end of the house was sinking into the crawlspace. The ceiling in the attached garage was caving in. If XXXX XXXX  had bothered to look at the house in advance, there is no way they would have given this loan to my parents. My mother was able to pay off only about {$10000.00} of the loan before she died, and the house is now being foreclosed on. As we work to settle her estate, the house and contents will be sold, but most of the money will go to settle this debt. I feel that allowing my XXXX and XXXX year old parents to take out this large loan on a house that should have been condemned should be considered a " predatory loan '', and the loan should be forgiven.
I am the primary borrower on a home mortgage loan held by Nationstar/Mr. Cooper. I did a Quit Claim Deed on the mortgaged property 12 years ago but remained on the loan with the co-borrower. The property went into foreclosure last year and the co-borrower, who remains on the deed, requested a loan modification. I told Nationstar/Mr. Cooper not to process the loan modification because I didn't request it, did not agree with it and would not sign it. The co-borrower had agreed to sell the property since I did not agree to the modification. Against my directions Nationstar/Mr. Cooper processed and recorded the loan modification on XXXX-18 without my consent or signature. They removed me from the modification and executed the modification solely with the co-borrower. This is illegal because I'm on the original mortgage note and the Quit Claim Deed did not release me of the loan liability. I was not married to the co-borrower and, therefore, there was no divorce or divorce decree. A Quit Claim Deed without a divorce decree is not a valid legal instrument to remove me from the modification. I have now asked Nationstar/Mr. Cooper to deobligate me from the mortgage and they refuse to do so. They are still holding me liable for the modified loan which I did not sign or agree to. The property was supposed to have been sold by the co-borrower when the foreclosure proceedings began but the co-borrower will not sell now because they obtained the loan modification. Therefore, I am still liable for the loan and it has damaged my credit and I'm not able to obtain a new mortgage. Had Nationstar/Mr. Cooper not processed the illegal modification I would have been free of the mortgage liability when the property got sold. Nationstar/Mr. Cooper needs to deobligate me from the loan since they removed me from the loan modification without a legal right to do so. Therefore, the recorded loan modification is not legal and does not obligate me to the new loan agreement.
I filed a complaint in regards to a fraudulent inquiry on my Equifax credit report from XXXX that was dated XXXX XXXX, 2016. I was informed XXXX XXXX, 2016 by XXXX XXXX XXXX from the XXXX XXXX XXXX XXXX XXXX from Discover that she would forward a letter for Equifax to remove the fraudulent inquiry. Well, as of today, XXXX, it still has n't been deleted from my credit report. I contacted Equifax and they would not remove. I have attached the letter that was forwarded from XXXX XXXX in regard to removing the fraudulent inquiry. 
I am asking XXXX XXXX to please contact Equifax to have it immediately removed. It is unfair to me to have an inquiry on my credit report in which I did not initiate.
I experienced a very difficult hardship in XX/XX/XXXX & XXXX of 2014 I lost a family member in XX/XX/XXXX and another in XX/XX/XXXX which put me far behind to the point that I had to cash in on my retirement plan to keep up my payments until I fell behind which is when the request for a modification was submitted with Wells Fargo and nightmare began. My soon to be my ex-wife was helping me with the process and was following up every 4-5 days with Wells. Contact was XXXX XXXX XXXX ext XXXX. I received a letter dated XX/XX/XXXX advising me that information was carefully reviewed and " Proprietary Step Rate Program '' I did not meet the requirement due to maximum number of modifications allowed. Contacted XXXX and he repeated the same thing as the generic letter received I also received a letter also dated XXXX/XXXX/14 giving me another reason which had to do with NPV which he explained it 's " complex formula developed by the Treasury and XXXX was not acceptable by the investor ( XXXX different decision on the same date ). 
On XXXX/XXXX/14 I was advised by XXXX to appeal decision and I did. He asked for a Market Analysis from a Real Estate which I provided, then he sent a request for XXXX to order an appraisal which he sent a copy of for property value of XXXX when I called him to also discuss a mold issue which was discovered after removal of wall paper in the basement. He argued with me about the appraisal of the property, he took it personal and said " It is not my fault that prices are what they are and why does the lender have to take the loss '' with all this I received another generic letter with denial for the same reason " Already received the maximum number of modifications. Since all this he ordered XXXX additional appraisals each one higher which is what he wanted to see. Again It very personal. We went thru this process 3 times with same result, from here we filed a complaint with upper management and case was assigned to XXXX XXXX Executive Mortgage Specialist after I advised them of this complaint. they asked for time to review during this process they assigned another XXXX XXXX ext XXXX, we received several letter in XX/XX/XXXX advising that the review was still in process and extended waiting period in the meantime I heard nothing until I called for an update and was told modification was denied in XX/XX/XXXX this iformation was given to my wife by XXXX. Needless to say I was shocked, I never received the result of the investigation I have letters advising of this and XXXX tells me modification was denied in XX/XX/XXXX. This is unbelievable. One other thing with XXXX he asked me about what would be a good value for the home and I said XXXX less the invoice which I sent to him ( per his request ) to remove the dangerous mold throughout the basement. He never replied other than correspondence stating he ordered new appraisals. Please help me as I have been in this house for 24 years, I raised my children and the neighborhood is not good by I have a lot of memories here. I have been fighting with Wells Fargo employees and this is n't personal.
My servicer, Nelnet, does not allow me to view communications without opting into electronic communication and also failed to send certain correspondence by mail. I just recently started a government job and qualified for PSLF. I filled out the form and my loans were to be transferred to XXXX from Nelnet. 

I got an email that there was a form to view about this from Nelnet, but when I logged in, there was no way to view it without signing up for EStatements, which I did not want to. I 've previously missed notification to renew my income-driven repayment as a result of unclear correspondence and I only wanted to correspond by mail. This would n't be an issue if I had received the notice of transfer by mail, but I have zero correspondence from them about this. The email that there was a document to view about the transfer was XX/XX/2017 and as of today ( XX/XX/2017 ), I still do n't have what I need.
Please, can someone here help me communicate properly with Equifax. I keep trying to explain to them that XXXX XXXX and XXXX are extremely outdated and over and over again they claim that they are unable to process any more disputes regarding the XXXX accounts, which need to be deleted from my file, on the grounds that they have " investigated '' them already. XXXX help me, I can not see what they investigated, how they investigated and who investigated it and how. If XXXX had indeed investigated these XXXX trade lines they would plainly see that the accounts are well passed statue of limitation and the 8 years mark. But they refuse to take action. Why? This is talking too long, and I gave nothing to show for my struggle nor do I believe the people at Equifax. This is bogus ...
Credit reporting company Equifax is not helping to create a dispute by saying that there isDiscrepancy in my personal information they are demanding documents DL and SSN card from me If they have discrepancy in personal information then on what basis they are updating my records and score.they refuse to disclose even what is discrepancy This is just harassment I can see all information on credit report then why they need documents from me and if they do not have correct personal information then how they are updating records Request your help to resolve the issue
Actions taken by this company on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX They Re-pinged this account on my credit report as a new credit line when it's old and it's been on my credit already since XX/XX/XXXX. Causing my credit to go down when it was already impacted by this account from XX/XX/XXXX.
was contacted via mailing on XX/XX/XXXX by a collection / lawyer group. The agency '' XXXX XXXX XXXX XXXX XXXX XXXX '' were seeking payment from me for {$1500.00} for a fraudulent debt dating back to XXXX. This debt was resolved at that time by XXXX fraud services and after investigation removed the debt and others from my credit reports and supposedly from XXXX XXXX   ( XXXX XXXX ) accounts. I immediately enlisted the help from XXXX XXXX  fraud resolution services through my legal assistance program. Efforts to obtain fraud resolution papers from this collection agency resulted in two mailings of packets of useless statements and bills. This debt was obviously sold down the line without the resolution being noted, only to harass me once again. I need this laid to rest and not be sold off again to another " collector ''. fthank you.
Was offered a new loan when I went in to make a payment i told them I was not intrested at this time maybe in the near future I let the salesman talk me into letting him filling out paperwork so that it would be ready when I decided to Come back Was told that Nothing would be filed until I returned, at this time after I left they ran my credit anyway then when I came back a month later to complain that they had run my credit without my permission But now I was ready to take out a loan but was not going to do anything till they removed that unauthorised inquiry because I did not want yet another inquiry on my credit so they were supposedly looking into this and while they were doing this they ran my credit again thinking that if he got me aproved that I would just forget about the whole thing. I never even said anything to me about running my credit I found out when I got home and had an alert from XXXX XXXX.
I was Executor of my brother 's Estate. 1 week prior to my meeting with B of A to set up his Trust Account, I notified the bank of possible forgeries on his checking account and requested ALL bank records including fronts of checks, be provided to me at our meeting. 
At our meeting, I was denied access to ALL bank records as stated in front of my attorney. 
by B of A representative. I immediately notified this employee he was violating Fed and VA State law which entitles me to ask and receive all information, in the same extent and manner my brother would be entitled to, during his life time. Again I was told " that 's not going to happen ''. 
The only person who had access to my brother 's check book was his live in XXXX who had the legal right to occupy my brother 's house for 30 days. I filed a police report at which time I was told she was a person of interest involving XXXX felonies. 
I called the bank again and explained the situation and needed to file charges to deter her from stealing his valuables from the house and the police needed proof of the forged checks. I was denied again to any records. The police said their hands were tied without proof of the forged checks. I went to other branches who promised to get me what I needed but they never did. I tried everything possible to get records that legally belonged in my possession. 
B of A withheld the evidence needed to prosecute the offender who, did indeed steal all my brother 's jewelry, his extremely valuable coin collection, just everything, ignoring my attorneys instructions her to only leave the house with those items she moved in with. 
She also erased his hard drive and destroyed all financial records. 
So, I am left with XXXX bank statement, but determined to know how much she stole from his accounts to justify B of A to such extremes to block my access, never giving up, I finally received a call telling me I could select, from the statements they sent, A FEW, checks I would like to see the check fronts. Now, after XXXX years later, just in the last 3 months of his life there were XXXX - {$500.00} ATM withdrawals and at least another XXXX in forged checks. In order to have absolute proof my brother could not have written these checks, I had to compare his medical records to withdrawel dates and check forgery dates. I simply had to stop with just looking at 3 months and not the full 6 months. This was a task no one should be faced with, very depressing. 
All of this would have been prevented if BA had not felt and acted as if no one would hold them accountable. They need to know they will be held accountable for deliberately breaking the law and for the ramifications others endure because of their arrogance. 
So, we shall see if there truly is an agency for the little people or just a pretense of XXXX!!
I received a phone call on X/X/17 from Bank Of America Rep in the XXXX XXXX Branch my Dad who is XXXX was in the banking center several times that day looking for money that was put into his joint account with me. I told the Rep not to let him make any deposits or withdraw money he does not know what he is doing, He has no money to deposit or withdraw he has been retired for 15 years he does not work. This is elderly fraud. The Rep said she would inform the Manager XXXX XXXX. The Manager let him deposit a check from XXXX Check {$1000.00} and {$500.00} Cash withdrawn from XXXX XXXX. The check was given to him from XXXX for a rejected transaction that he was sending money to XXXX & XXXX also elderly fraud. He does not know anyone in these countries. Then she let him make a {$1000.00} cash deposit into a BOA Texas Account to someone he does not know. Which are known to be fraud accounts a lot of people deposit cash to these accts and the bank does not do anything to stop them? X/X/17 He returns to the BOA Branch and the manager XXXX finds a joint account his sister 's burial savings acct with his name for emergency and lets him transfer {$1500.00} into the same fraud Texas acct ending XXXX. I went to the branch in person to talk to XXXX and told her this must be reported to the elderly abuse dept. that she did not know any existed this is all fraud and why did you let him do these transactions. She insisted nothing is wrong with my Dad and told me how she found another acct that my Dad name was on the one with his sister burial. I said he would never withdraw from that account it not his. She said his name was on the account. He never authorized or would withdraw from that account. He is legally XXXX and would not be able to complete the transaction. On XXXX I XXXX and could not get a corporate customer escalation number called three numbers no longer in service. spoke to XXXX supposedly customer resolution very rude says there is no elderly abuse dept. I went into the XXXX XXXX Office on XXXX spoke to the manager they did not know of elderly abuse dept. tried to get Operations Manager XXXX XXXX was on Vacation, Spoke to XXXX XXXX she said she would help. She said to go into a branch and she would tell me what to do. Went to XXXX XXXX. branch Kept me waiting for 15 minutes with no one at customer service ask for manager XXXX XXXX to call XXXX. XXXX called XXXX again did not call back would correct the problem. XXXX XXXX no longer at that position referred to XXXX she would take care of the problem and credit money needs POA would let me no were to fax. Called back XXXX tried to call on vacation for two weeks Went into XXXX XXXX Branch Manager XXXX XXXX XXXX he E-mailed the POA to XXXX never responded or credited the accounts. My aunt is XXXX and had to send her into her Branch in Maryland to close all her accounts and put them in her name only. Because the Manager XXXX and the employees at BOA think that customer do not have to authorize their transactions and assist people with disabilities he is also a Veteran, I would greatly appreciate a credit for the {$1000.00} and {$1500.00} withdrawn from my Aunts account. Thank you for your help.
On XXXX XXXX, 2017, I received 3 statements from Charles Schwab, indicating that I had recently opened up accounts with them. Each statement had 3 different account numbers listed and wanted me to verify my information was accurate. I had no knowledge of opening up these accounts with Charles Schwab and called them immediately. I spoke to a representative who asked me a couple of security questions and realized this was fraud when my mother 's maiden name was not established by whoever opened the account. My address was also listed in Georgia when I live in California. The representative transferred my call to the fraud Department, where additional information was taken from me. I was told that my case would be investigated and a fraud response provided when the investigation was complete. The fraud representative advised me to place an alert on bank accounts, credit bureau 's, CFPB and Identity Theft.gov, in addition to filing a police report. I am currently in the process of doing these recommendations.
In XXXX XXXX, XXXX took out $ XXXX unauthorized out of my account. I have been attempting to rectify this and obtain a refund since and have been unable to recover my funds. In this time, XXXX has sent my account for collections and negatively affected my credit report.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and 143 million others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing parties ( that THEY have injured ) up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach as well as paying restitution to those injured by this event. The negligent loss of personal information of hundreds of millions of consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
I filed a dispute with all 3 credit bureaus in reference to a Public Record/ Bankruptcy, the Docket # is XXXX. It was stated to me through updated credit reports that the information was verified through XXXX. I contacted XXXX, because and was told that no one has contacted them about my consumer report between XX/XX/XXXX and XX/XX/XXXX. I requested verification of the accuracy of this information being reprted. Since XXXX was not contacted by any Credit Bureaus, I would like to claim that the information that is being reported is erroneous.
I put money on my Rush Card, went to use it and it was a no go. Went on line to check my account and the webpage showed a XXXX balance. Tried to call their customer service and got some long winded gobbley gook about contacting them and the problem was being worked on, and on they went. Now they say that I have no money on their, which tells me that the problem STILL is n't fixed!!! This is totally unacceptable. I have had to borrow to pay utilities and explain to my landlord about my rent. I feel like such an XXXX for trusting this card. NEVER AGAIN!! It is now XXXX XXXX, 2015 and STILL no fix on the card!! They are gaining the interest at the bank where this money is stored and you can bet your life that the customers of this card will NEVER see a dime of THAT!!!