WillisBack/dataset-financial-user-claim huggingface dataset:
Our client has been attempting loss mitigation with Wells Fargo for several months now. However, Wells Fargos ( WF ) conduct has been in violation of servicing laws and standards as more particularly described below.
AFFIDAVITS FROM PERSONS WITH FIRST-HAND KNOWLEDGE Being filed along with this Complaint are affidavits from persons with first-hand knowledge of the below referenced falsehoods and loan servicing violations by Wells Fargo ; those affidavits contain additional details.
MAKING FALSE STATEMENTS ; FALSLEY AND INACCURATELY DOCUMENTING MORTGAGE LOAN SERVICING AND LOSS MITIGATION FILE On XX/XX/XXXX, we submitted a request for ongoing loss mitigation with the required documentation to WF. It was our understanding that this application was complete. On XX/XX/XXXX, one day before a scheduled foreclosure hearing, WF contacted us and stated that a representative from WF called our office on XX/XX/XXXXand informed us that additional documents were needed for the loss mitigation application. That statement was completely false ; no one from WF contacted our office on XX/XX/XXXXand, until the call onXX/XX/XXXX, no one from WF contacted our office to inform us additional documents were needed.
OnXX/XX/XXXX, our office received a letter from WF datedXX/XX/XXXX, that stated WF contacted our office onXX/XX/XXXXto discuss re-entry and the person from our office who answered the phone refused to take a message. This is yet another false statement by WF. In fact, our office contacted WF on XX/XX/XXXX, confirmed the loss mitigation application was received, and was informed that the documents were being sent to 2nd level for review. At no point did anyone from our office receive a call from WF on XX/XX/XXXX. Additionally, under no circumstance would anyone from our office refuse to take a message regarding a client file.
MOVING FORWARD WITH FORECLOSURE BASED ON FALSE STATEMENTS AND DESPITE COMPLETE LOSS MITIGATION APPLICATION WF closed the loss mitigation evaluation file within a few days of the supposed call to our office informing us of the need for additional documents. Even if such a phone call had occurred which it did not loss mitigation guidelines do not set forth a deadline of a few days for borrowers to provide requested items or risk the loss mitigation evaluation being closed down. The complete loss mitigation application submitted to WF on XX/XX/XXXX included the income documents required by WF ( which WF is again requesting ).
WF has failed to comply with federal and state rules and guidelines relating to servicing and foreclosure by failing to provide loss mitigation assistance when requested, and instead moving forward with foreclosure.
WF is using the above-described false statements and documenting of the mortgage loan servicing and loss mitigation file as a bad faith pretext to move forward with foreclosure and to cease loss mitigation evaluations.
On approximately XX/XX/18 when checking my credit report i noticed an unauthorized hard inquiry from

AMEX on BOTH my XXXX nad XXXX  credit report that i did not AUTHORIZED. I spoke with the AMEX Fraud department by phone once i was notified of these unauthorized hard inquires.

after being asked security questions by Amex i was told they will contact the Credit bureaus and have those Hard Inquiry 's removed and my report will reflect that in 30 days, it have been 3 months and it appears i was lied to and deceived by AMEX.

They did not remove those unauthorized hard inquires from XXXX and XXXX but allowed it to stay to intentionally hurt my credit score.

I contacted both XXXX  and XXXX on XX/XX/2018 and was told AMEX never contacted them.
My company was hired to facilitate a short sale transaction on behalf of the client after the previous company hired was unable to do so.  On XX/XX/XXXX, I faxed in the Bank of America (BOA) Authorization Form to four different fax numbers within BOA to ensure that it was placed on the file.  On XX/XX/XXXX, I was told that the Authorization was on file but they still needed to Authorize me through the system and to call back the following week.  Wanting to give ample time for the authorization to be placed on file, I called in on XX/XX/XXXX.  I had received word that the client had been receiving calls from BOA and they expected answers.  When I called into the short sale department, a gentleman told me that I needed to speak with Customer Service about the Authorization.  After the transfer, the lady at Customer Service was able to locate my Authorization and said that I needed to inform short sale to "read the customer service notes about [my] authorization."  I was transferred again to short sale and spoke with XXXX XXXX.  XXXX. XXXX refused to look into the notes and repeatedly told me that he was not able to speak with me as I was "not authorized."  I explained to him what happened and that customer service gave specific directions on how to bypass this issue.  He again refused.  When I asked to speak with a supervisor, he put me on hold only to come back and say that the supervisor refused to speak with me as well since I am, once again, "not authorized."  I demanded to speak with any supervisor in any department and he once again refused to allow me to do so.  When I asked to be transferred to customer service again, he instead stayed on the line with the rep from customer service.  She finally agreed to search for my authorization, even though there are notes about it, and confirmed with him that we have a short sale authorization on file for my company.  She told me that the only thing she can do is send me to short sale.  XXXX said that he is short sale and he will not speak with me and neither will a supervisor.  Even though, he had confirmation that my authorization was on file, he still refused to speak with me or let a supervisor know that my authorization is on file so that they could speak with me.I let him know that we have an offer on the property, the property is in foreclosure, we have an elderly client, and that I am trying to help BOA recover some of their losses by working on the short sale with them.  He refused to listen or care and simply told me that he cannot speak with me.
Called them several times to work out a reasonable payment option. They say that they ca n't do nothing to help me out. I am having finical difficulty at the moment. I was up to date on my loans for a good year, but now I am in a slump and they are not willing to help me out so we can resolve this issue.
I took out a XXXX XXXX loan in XXXX to study for the bar exam. I returned to school and then graduated in XXXX. After graduation, I was unable to find a full time job and worked part time and as a temp until XXXX of XXXX when I was unable to work. My loan payment was extremely high and I was unable to pay the required amount. I contacted them on several occasions looking for a repayment plan or program, so for them to work with me as I was on unemployment at the stated time. I provided proof of the unemployment and they refused to work with me. Because I am was not making enough money to even get household items, I could not make the payments. I have had threatening calls, which I reported but got no response from the person who I sent it to at the company. Eventually they placed it in collections. When I became employed I tried to work out a payment plan with them again and after a lot of conversations and negotiations with the creditor I was able to make payments. Even though I make my payments monthly and on time, they refuse to let the credit agencies know about my payment so on my credit report it shows that I am late and not making payments. This is n't fair and it is something that they should work on since it has been raised as an issue with the XXXX committee because it is considered looks a default on a student loan. This is interfering with my career and I am making payments as I agreed to with them. I have tried contacting them about it and they keep passing me around to someone else who is never available and wo n't return my calls. But even if payment is made, they call me constantly to talk about changes or negotiate a settlement, it not about the issues I face. It is very frustrating and I am not working in my field right now so I am not making a lot of money to negotiate a settlement, I just want them to be fair and stop giving me the run around. I are willing to pay, and I have been paying even with their high interest rates and no wiggle room to negotiate repayments. A lot of students end up in debt and unable to make repayments unless it goes into collections, and why donot s it have to get to that point for us to get on a payment plan or are able to show hardship? They are not willing to work with student and that needs to be fixed.
I have a credit card with continental finance which was opened XX/XX/XXXX. The account has maintained a good payment history since. At the time it was opened it was reported to all XXXX credit bureaus. however, there were duplicate accounts on all three. I had only XXXX credit card, but XXXX accounts were showing. I accurately, disputed the XXXX duplicates and left the XXXX accurate account out the dispute in XXXX subsequently, all my accounts were removed. I recently have written the customer service dept and faxed a formal dispute dated XX/XX/XXXX after my initial faxed letter, dated XXXX XXXX, was evidently faxed to a wrong number provided to me by customer service. the latter letter ( XX/XX/XXXX ) have been verified by a supervisor I been corresponding with via many emails over the past XXXX months by the name of XXXX XXXX XXXX, supervisor as being received. he also has been adamantly conveying, again in writing ( emails ) that this my account would be reinserted. I have patiently waited since XX/XX/XXXX to no avail. this three year old good standing account is still not reporting after I disputed it in XX/XX/XXXX. AT THIS POINT, CONTINENTAL FINANCE HAS VIOLATED MY RIGHTS UNDER THE FCRA BY NOT RESPONDING TO MY DISPUTE IN 30 DAYS. To date, as recent as a few days ago, XXXX XXXX jones is still assuring its being handled. He emailed me exactly what to put in the letter, stating to add " I am asking that continental finance reinstates this tradeline to my credit report '', which I have complied and have documentation. however, I am not receiving credit on my bureaus for this three year old account which is positive. I feel like im getting nowhere. I spend ample amount of time calling and corresponding with XXXX XXXX. Each time, he assures me its gon na be reinserted, but have not.
This is in reference to my joint account with my husband with XXXX XXXX. They are always months late reporting to the credit bureaus. Normally it takes them 3 or 4 months to report. I noticed the end of XX/XX/XXXX that they had not reported any information since XX/XX/XXXXon my credit report. We were looking into purchasing a home and needed it to accurately report. I filed a dispute wanting them to update the account. The account was updated but updated incorrectly with a 60 day late for the month of XX/XX/XXXX. I was not late in XX/XX/XXXXand have the payment information to prove it. I disputed it again on all credit bureaus as not being late. I also called XXXX XXXX  who stated that my payments were on time and that I was in deferment in XX/XX/XXXXand XX/XX/XXXX and those months I only made partial payments and then I was completely on time with payments. She did say that another department would have to correct the late payments and she transferred me to them and then from there I was transferred 3 more times and no one know who I needed to be in contact with. My reports from all 3 credit bureaus show inaccurate information. Then after all of this for the month of XX/XX/XXXXI finally heard something on an update on my account and it was from XXXX  and it showed charged off account updated to be charged off XX/XX/XXXX. I don't have a charged off account. Upon investigating all my credit reports XXXX now has a charge off for Charge off XX/XX/XXXX and then account ok until XX/XX/XXXXwhich showed charge off again and then ok again until charge offXX/XX/XXXX The account has never been charged off. XX/XX/XXXXall 3 credit bureaus were reporting ok and then XXXX and Equifax showed 60 days late. It cant go from ok to 60 days late. Equifax and XXXX show worst delinquency as 90 days which is not reported at this time and XXXX  shows charge off. The balance on my account per the company website shows that I owe XXXX and according to Equifax and XXXX it shows {$7700.00} and XXXX nothing because it is charged off. Ever since I had this account there has been late information reporting, system glitches and problems that I am unable to get fixed. I am hoping that we can just reach some kind of mutual agreement to restore my credit for XX/XX/XXXX-XX/XX/XXXX since that is when the problems with all the inaccurate reporting and misinformation is from. What is later that than that is of no real concern to me. I am just looking for some kind of repair here to restore hope with this company. I have attempted every thing that I know and I just keep making the matters worse instead of better. I am not late and have not been late and maybe if I hadn't of just wanted the reports to update and left it along I would be in better shape now. The sad part is this is not only damaging one person 's credit but two people with the information.
I have opened a XXXX 's XXXX Store Credit card with XXXX sometime in 2014. However, Lately. I lost my job and fell behind my payment for about 2 months. 
As the result of it. The card issuer started charging for late and over the limit fee 's. I called the and explained my situations. The Customer Service ask me atleast to come-up with {$120.00} and the next month payment of {$120.00} they will removed the all the late and over the limit fee 's they have imposed on my account. I have complied with the former agreement. However, I found out the latter never kept their words. And kept on raking me with more charges. Thereby, The Outstanding due payment still keep on going high with all the penalties they never remove as agreed. Despite, My limited cash. I tried to make a payments. But, My balance never gone down. And it is beyond my reach to pay them as the penalties keep on increasing. I am asking the said Card company to give me the chance to pay them back without adding more Interest and penalties to my account. Or I will be in default with when I can't afford the higher payment anymore. They can close my account and I will stop using their Credit Card and make a fixed monthly payment that will help me pay them back. Without causing a burden financially on my family
excessive overdrafts fees {$36.00} and {$100.00}, I am on a fixed income, requested reduction in the amount, bank declined, I have been sick and need to go to several doctors this month, now I can not afford food or to go to doctors
I am trying to be proactive on my credit report since this is affecting my score heavily. I have a Secured Credit Card, and a previous College Credit Card with Wells Fargo. 

I closed my college credit card back in XX/XX/XXXX. I had that account deferred for payments since I was paying for college and could not maintain the payments. I communicated with Wells Fargo Card Services that I would not be able to make payments. I was told that my account would be noted and not assessed any late fees or notes on my account. 

According to XXXX and XXXX, and Wells Fargo Credit Card Services ; I have not had late payments as I communicated with WF that I was going through financial issues with paying for school. And I did not have any late payments. I have contacted Wells Fargo XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called requesting written information from them stating that I was not late on any payment. Of course the agents that were assisting did not fulfill their promise of reaching out back to me. 

For this I am contacting the CFPB, I am requesting that the XXXX day be removed from my account since it is affecting my score indefinitely. I would kindly ask this of you. Furthermore I am requesting the creditor, Wells Fargo, to remove any late fees or remove this account from my credit file. In addition, I am given pushback that they cant find my closed checking account and am rerouted at least XXXX times every call. It is frustrating and wasting both our times. Thank you.
I have told Ally Financial to stop calling me at least twice in writing, which there website automatically sends me a copy of from them. They continue to call over and over and now are calling my relatives. I just want them to stop harrassing me.
I received a voice message this morning XXXX/XXXX/16 at my work place regarding some documents that will be forward to my workplace legal dept, payroll and myself to GARNISH MY WAGES ... I called the phone number that was left and it belongs to a law firm- XXXX and XXXX XXXX XXXX. The Rep stated this is an old account from XXXX 's. I had an account with XXXX 's but that has been paid more than 10 years ago. This is the first time I heard of XXXX trying to collect a debt I do not owe. I need a thorough investigation to be done as the account with XXXX 's has been paid off before they went out of business. The file # provided on the message was XXXX. Thank you for reviewing and stopping these scammers.
I received a court citation and I have no idea why, my name is wrong on the letter and I have to appear tomorrow
WHEN WE SETTLED OUR LAWSUIT XX/XX/XXXX, WE HESITANTLY OPENED AN ACCOUNT WITH PNC BANK- AFTER A TURBULENT AND VERY HURTFUL EXCHANGE. AFTER A FEW MONTHS OF BANKING, WE HAD AN ACCIDENTAL OVERDRAFT AND THE ACCOUNT WAS CLOSED PRIOR TO US BEING ABLE TO CORRECT IT. WE EXPERIENCED EXTREME XXXX WITH THE BRANCH MANAGER AT THE OPENING BANK- MAKING COMMENTS SUCH AS SHE WOULD MAKE IT HER BUSINESS TO NEVER ALLOW US TO HAVE THE OPPORTUNITY TO OPEN ANOTHER BANK ACCOUNT THROUGH PNC EVER AGAIN.
Client Services Inc. Calls every 3-4 days without permission. This violates the public law 104-208,110 Stat. 3009 Subsection 805 [ 15 USC 1692c ] ( a ) which states : Without prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Hello, The judgement date was XX/XX/2006 and I just received a garnishment to my wages in the amount of {$500.00} per month. The total they say owed is {$32000.00} with an interest rate of 12 %. Since XX/XX/2006 I have lived at two address and have not received any letters from any company that I owe this debt. Never received anything from the courts saying that I had a case and/or a judgement date. Is this something that is possible, that I know nothing of any debt and get a garnishment?

I do not know who, what or why I have this judgement. I declared bankruptcy twice, once when I was married and again after I was in an accident while working, I can not remember the dates. I tried to call the company XXXX XXXX XXXX and was greeted with a very rude and uninformative person at that company, they just told me that I owed the debt and there was nothing I could do. 

Please help, I have no idea what to do but can not afford {$500.00} being taken out of my paycheck each month.
Good Afternoon I am submitting a complaint because there are hard inquiries on my credit report that I did not authorize. Equifax has reported XXXX hard credits I admit some are mine but there are several that are not. Listed below are these accounts and dates inquired. Thank you for looking over my complaint. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
I became a XXXX XXXX credit card member since XX/XX/XXXX. Upon signing up at the store, I was issued statements directly to a former address. When I moved to my new home several months later, I wasn't receiving statements when I had a balance. I did change my address online successfully. I followed up with the credit company and they told me that my statements weren't sent to my new address successfully because USPS had returned to them. Not sure why or how but I was receiving other mail. XXXX never bothered to call me about this issue. This prompted me to call them to update my statements to be sent electronically to my email address. When I had a balance, I received a couple of notifications about my statements and due dates. However, the last time I used my card, there was no communication sent. I had made a small purchase on XX/XX/XXXX and completely forgot about that purchase. I would have been reassured about payment due dates via the electronic communication but there was none from XXXX. When I finally received a notice via email, it was in XX/XX/XXXX stating I was overdue payment. I immediately called XXXX to explain my situation and they could not help me at all. My original balance of some {$37.00} became {$100.00} that included fees. I paid my balance and sent a letter to the address listed when logged into my XXXX card online : Correspondence : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX And never received any response. I am really upset that they failed to contact me during my first statement cycle and thereafter until I had accumulated more than three times my purchase price.
My mortgage was transferred to Rushmore Loan Management Service LLC on XX/XX/XXXX from XXXX XXXX XXXX. I was at the end of Modification with them when it was sold. I received letter from Rushmore saying they are going to honor the modification XXXX XXXX XXXX had agreed on. My Payment 's was sent to BA of {$1100.00} So I started sending Rushmore payments on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I paid XXXX. In XX/XX/XXXX I called to make a partial payment I was told No by XXXX he couldn't take a partial payment. I received a call voice message on XX/XX/XXXX saying they were done with my modification. Most Modification after you do three payment 's your starts that next month. I never received my Modification paper 's from them until XX/XX/XXXX. Signed them and had them Notarized on XX/XX/XXXX. They sent me XXXX to me on XX/XX/XXXX. On XX/XX/XXXX they sent me copies of the paper 's I had notarized for my records. The letter was dated XX/XX/XXXX but envelope was dated XX/XX/XXXX. On XX/XX/XXXX a certified letter came with the date on top of letter XX/XX/XXXX. And the notice of intent to foreclose. On modification it states that payment begins on XX/XX/XXXX but I just signed them on the XX/XX/XXXX. I called Rushmore XX/XX/XXXX and spoke with customer service XXXX ID # XXXX he ask was I going to try and save the house I said yes. XXXX was shock and didn't understand why I just signed my paper 's. My loan was transferred on XX/XX/XXXX. Plus my payment went up to {$1200.00}. My question is if I'm just signing my modification paper 's how are they foreclosing on the property? I will be sending over documents. I just didn't here anything until XX/XX/XXXX on the modification.
Showing a balance which was paid i XX/XX/XXXX from XXXX XXXX XXXX for XXXX a XXXX account in XX/XX/XXXX which is not mine it belongs to another XXXX XXXX . I never had XXXX then, only XXXX.