WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, My current property was in the process of foreclosure with Wells Fargo Bank, ( WFB ).  XXXX XXXX ( Real Estate Agent ) and XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) approached me to bring the WFB Loan current by paying the arrears of XXXX. In lieu, of this transaction, XXXX and XXXX XXXX requested the title of my property for collateral. Hence, during this transaction of the title transfer, XXXX and XXXX XXXX, were in agreement to remove my name from the WFB Loan and the Home Association. Since XX/XX/XXXX, I have paid XXXX and XXXX XXXX {$1800.00} to make payment to WFB. I contacted WFB, and they notified me that this was transaction was a prohibited title transfer and predatory lending by this institution. I made the bank aware that this was a transaction made by a California licensed real estate agent. WFB, educated me on the kind of loan that was attached to the property. Conventional Loans are not ever able to be transferred to another title without the bank approving ; in addition, a conventional loan CAN NOT be assumed if the loan is over 30 years, if the loan is transferred without the entire loan being assumed or if the conventional loan was transferred to someone else other than a immediate family member. I contacted both XXXX and XXXX XXXX and made them aware of this prohibited title transfer. I explained to both, what WFB explained to me and how this was a fraudulent transaction per WFB. WFB has demanded that the title be transferred back, or the entire loan be assumed before the foreclosure process. WFB, also explained to me that if I make the home mortgage, the property will continue to foreclosed if the title is NOT transferred back. In addition, to rectify this I agreed to give both XXXX and XXXX XXXX the {$20000.00} that was paid to WFB. They rejected that proposal, and stated that they were not going to comply with what the WFB had requested and expressed to me that they have done this prohibited title transfer with 4 other properties with no repercussions. I have obtained from the XXXX XXXX Fictitious Business records portal the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX OWNERS NAME ( S ) :  XXXX XXXX XXXX AND XXXX XXXX, CERTIFICATE NUMBER XXXX, A GENERAL PARTNERSHIP, FBN FILING EXPIRED XX/XX/XXXX. 
In retaliation, XXXX XXXX XXXX and XXXX XXXX have now filed an Unlawful Detainer Action against me in the XXXX XXXX XXXX Superior Court, Case No. XXXX. 

NOTE : ON THE OPTIONS GIVEN, IN REGARDS TO THE WFB LOAN, NONE ARE APPLICABLE BUT I HAVE CHOSEN ( CO-SIGNER ) TO PROCEED WITH THE COMPLETION OF THE COMPLAINT.
We have requested that Ocwen Loan Servicing correspond with our Attorney to agree upon a loan payoff offer. They continue to delay stating that they do not have permission to speak with a third party. I gave permission by phone and by email.
I opened up a CitiGold checking account back in XXXX XXXX using a promotion that would give me XXXX Thankyou points once I 've made 2 bill pays and added XXXX $ in my accouunt. More details here for the offer ( code:XXXX ) : XXXX I completed all the requirements and had n't seen my points post yet. I submitted a secure message around XXXX XXXX and the rep confirmed that I would see the miles posting within 60 days. Plus I was also confirmed by XXXX reps on a phone conversation that i should be receiving it soon. It has been over 4 months and I still have not received my miles.
I received my credit file months ago and I found that there is a judgment in Public Records that has been reporting for many years in my Equifax file I have no knowledge why or who is reporting against me. I have contacted each or the XXXX Credit Bureau and disputed it and requested that it be investigated on ( XXXX XXXX separate occasions but I have not been able to get a response. I am now in the process of purchasing my home and require that it is removed from my credit history. I I know nothing of this account and require verification including all information used by this party to determine that it belongs to me.
IT IS DIFFICULT TO VIEW THE REPORTS TWICE. I AM TRYING TO LOG BACK INTO TRANSUNION AND CAN NOT
1. XX/XX/2015 (? ) I cancelled autopay for XX/XX/2015 and then asked about late fee and I was told there was a 13-day grace period before late fees would be posted. Rep 's actions and info had me breathe a sigh of relief and asked to speak with his supvsr to give him a compliment. 

2. XX/XX/2015 : Autopay went thru anyway. I called again rep stated that autopay had been cancelled but had not posted on their system yet so if it did not show a reversal on XXXX to call back on XX/XX/2015. 

3. XX/XX/2015 : Called, explained the entire situation AGAIN and this time was told could not reversed because it would put my acct into late status ( regardless of 13 day grace period ). Asked for supervisor and rep was on hold too too long attempting to get a supvsr, ( acc to bank policy ) and she would have to end the call. I was not allowed to hold any longer. 

4. Called again and THIS time I was told the cancellation had to have been two business days prior to scheduled autopay for it to be effective Spoke to supervisor who told me nothing could be done. Asked for HER supvsr and was told there was no one else who could help me. 

I was ( am ) having financial difficulties as it is, and NOW my checking acct with a different bank is overdrawn and will have to pay approximately XXXX in overdraft fees! 

AND prior to this, on XX/XX/2015 ( I think ) I was taking care of a pymt and when asked to verify my address they had an address in a city and state where I have never been in my life. They said they made the correction but just in case I called again and they still had the wrong address. So far now, I think, my address is correct again. I am still waiting for an answer as to how and why this happened. Because of the wrong address, I did not receive a stmt and the reason I had to cancel the autopay to begin with.
I have called XXXX consumer relations to notify them of an account with XXXX XXXX XXXX that is on my credit report by error. I have disputed the account with XXXX but everytime I speak to someone on the phone, it sounds like someone out of the country and not someone who can handle my concern. I have tried to explain to the XXXX representatives on more than one occasion that they need to obtain the agreements from XXXX XXXX XXXX regarding this account so that they can find the discrepancies and know why it is on my credit report when it should n't be. I tried calling XXXX XXXX XXXX myself but I have not been able to have them help me because this account has information that does not match mine. XXXX continues to report this account on my credit report.
I went in to the hair club for men for a free consultation they gave me a price quote that day I explained to them I would have to talk to my girl friend for her opinion she told me no not to do it. hair club called me the next day I spoke with ericia whereas I inform her that I could n't afford the process and to cancel all appointments she called twice more I told her three time I was interested she confirmed an canceled she told me. a few months later I get this bill from them whereas I told them I never received any services an I canceled the bill went into collections for services I never received.
I have a hard credit inquiry in my XXXX report from XXXX XXXX, 2015. I never authorized to reopen the case for a previos credit card application. I was never told that the will do a hard hit again on my credit. I only requeted to review the reason on the denial. I have contacted the bank, the don ; t believe me. I contacted XXXX, they said the bank has to do it. I want this to be removed from my credit report. I was misinformed and my credit inquiry was used without my authorization. I want to put a complaint againt Bank of America.
My sensitive private information ( including SS number, DOB, name, and address ) was hacked due to Equifax 's insufficient measures taken to protect this information. I now must incur substantial fees and lost time to make sure my identity does not get stolen.
My home has been under construction for a major sewer leak since last  XXXX   XXXX . I was unable to live there due to the fact both bathrooms had to be torn apart to get to the leak. During the time I was not living in my home at  XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX , someone started strealing my mail and somehow got into my house and obtained my information from my files and stole my identity. They opened accounts and they made ppurchases withthe account I had with  US BA NK. This wen on for abo ut six months. THey would even have the purchases sent to my address. US  Bank closed the account in  XXXX   XXXX . THey issued me a check for the remaining funds in the account after the disputes for all the transactions were completed.   Since then,  XXXX  wo Times,  once on  XXXX   XXXX ,  XXXX  and the other on  XXXX   XXXX ,  XXXX . They have reopened this account to allow more transaction to come through for some reason, and even paid them. Leaving the account overdrawn and accessing overdraft fees for the transactions and then charging me a fee of {$30.00} to close the account again. Twice.   The first time on  XXXX   XXXX ,  XXXX  the total amount of transactions an fees totaled {$310.00}. They took this money out of another account I have with them to satisfy the negative balance. Then closed the account.    XXXX  on  XXXX   XXXX , they re-opened it again and posted more transactions and fees totaling {$200.00}. They are sending me demand for payment for these charges and fees now, and they are reporting the account to reporting agencies such as  XXXX , which are preventing me from having a checking account because the new accounts I opened with  XXXX  are being closed due to the file that EWS has on me regarding th e US Bank  account.
This collector, Western Portfolio Assets, XXXX XXXX XXXX, called my daughter, my ex-husband and me threatening to sue for a credit card bill from XX/XX/XXXX or XX/XX/XXXX, he could n't make up his mind. Then he called and terrorized my ex-husband who agreed to pay {$250.00} and committed me to another {$250.00} the following week. 
XXXX XXXX called my job and my cell XXXX times within XXXX hour. He also had a process server call my job, my cell and my office manager. I never authorized contacting me at work. I paid {$750.00} and although asking several times for proof of debt. I emailed and faxed XXXX XXXX requesting this information only to receive a form for me to sign which would authorize him to take money from my account. I never signed the document, altho he took XXXX payments ( {$760.00} ) and XXXX payment by prepaid debit card from my ex-husband ( {$250.00} ).
I received a letter from Stenger & Stenger, A Professional Corporation in regards to a debt of {$690.00}. The debt do n't belong to me. I am a victim of identity theft. The account is fraudulent and unauthorized. I have been receiving harassing telephone calls and death threats.
The lender was provided the loss mitigation package on XX/XX/2017 and I have requested an update on this review 3 times by being transferred to a loss mitt rep and having to leave a message - a notice of sale, with a sale date of XX/XX/2017 was received and i still have yet to get an update on the loss mitt review - when I called today for the review update, I was advised they never received the package for the review - I have been given conflicting information from the lender for over 3 weeks. and now they have set a sale date - At this point we feel the lender is not willing to assist the client nor do they have a competent system for the updates being provided.
I contacted Convergent regarding an alleged balance from XXXX of {$1200.00} that is on my credit report. 

The billing they sent me dated XX/XX/XXXX shows a previous balance of {$1100.00} but no explanation how they came up with the owed amount with previous detailed charges. 

At the time of the service with XXXX, I contacted them because I was not getting cellular service like I was supposed to. XXXX explained to me that the reason for the missed, dropped calls and interruption in service was because they were in the process of repairing their cellular towers and that they had no set date of when the repairs would be completed by. As such, since I was getting no service and missing client business calls I had no choice but to cancel my service. I assume the majority of the bill was early termination fees and final month of service which obviously was not provided. Based on what they sent me in response to my request ( when a consumer asks for detailed charges simply sending a previous balance is not sufficient ). Their information is incomplete and I can not proceed with any type of negotiation with such incomplete information. It is my assertion that based on the lack of cellular service provided and local statutes in my state that prohibit utility companies for charging services that can not be rendered I should have no balance owed and this collection should be removed from my credit bureau record. 

I contacted Convergent via certified mail in XX/XX/XXXX. I also contacted the 3 credit bureaus in XX/XX/XXXXand one last attempt to Convergent in XX/XX/XXXX and have been working on getting this resolved since then. It 's been over 8 months and still do n't have a resolution. 

Attached is a copy of the billing they provided in XX/XX/XXXX.
I Sent Certified Letters To The Company To Properly Verify And Validate The Accuracy Of The Account That's Showing On My Credit Report ... I Never Received Any Proof Of The Account As Being Accurate ... They Sent Email Or Letter Saying That The Account Was Verified But Not Once Send Me Proof That I Requested ...
On XXXX XXXX I originally amended my Chapter XXXX Bankruptcy to included the accounts for XXXX located on XXXX XXXX XXXX, XXXX NJ XXXX. 
On XXXX XXXX XXXX I remanded the discharge ( Case # XXXX ) to include the same XXXX accounts. My discharge was awarded XXXX/XXXX/XXXX XXXX Bankruptcy Court XXXX Court. 
XXXX XXXX has recently purchased this debt from XXXX in XXXX XXXX. 
I have sent the orginal schedule dated XXXX XXXX, XXXX, updated amended schedule XXXX XXXX, and discharge to XXXX, Convergent, and bankruptcy courts. As well as disputed this debt, with Convergence on three separate  occasions. XXXX XXXX continues to pursue this debt and report it, while further damaging my credit.
XXXX of my student loan payment history is incorrect on all XXXX of my credit reports. It states I was 90 days late during the months of XXXX & XXXX when I had an active forbearance during these times. I submitted disputes via mail with all XXXX credit agencies 3 separate times since XXXX. Each envelop contained a dispute form with all XXXX student loan late payments errors listed, proof from XXXX confirming I had an active forbearance during XXXX & XXXX, & a copy of my drivers license. Conveniently, all documents were scanned except the proof from XXXX. They can not tell me what happened to that piece of paper, but they have the other items in the envelop. I am a single mother attempting to buy my first home and these errors are preventing me from being approved for a home loan. I do not have to money to pay an attorney to have these removed and I should n't have to, this is not my error. Please help me correct my credit report. Thank you!! P.S. I have proof if needed, but I did n't want to upload to this site since it stated not to disclose sensitive information.
My insurance paid this bill in 2013, the year it was filed. This bill is from 2013 and all of a sudden it appears as a collection with no written notice at the time of trying to purchase a house. Amount is XXXX , collection company is paramount recovery systems. My insurance contacted them, with me on the line, to give them information of the bill being paid and they will not take it off. My insurances has since sent me the statements of where it was paid in 2013. I can not get a hold of said dr. And hospital has nothing on file.
XXXX XXXX XXXX hired by XXXX company named XXXX XXXX XXXX has foreclosure pending as we speak to foreclose today XX/XX/2018 Homeowners are elderly people XXXX company/XXXX XXXX going bankrupt so they foreclose on homeowners to gain their property These companies are fraudulent
For the past 6 months I have used Orlandi Valuta via Western Union at XXXX 's XXXX in XXXX Ca to send money to my father in law XXXX XXXX XXXX every month in XXXX. On XXXX XXXX, 2015 I sent the usual monthly amount to my father in law via Orlandi Valuta. It turns out my father in law was unable to retrieve his money, according to Orlandi Valuta I placed a call that same day to have the recipient name changed to XXXX XXXX and that the money was already retrieved by that person. Orlandi Valuta said they could not help me even though i explained to them I did not change the name of the recipient. My father in law went to the usual pick up location and he was told that no one by the name of XXXX XXXX has received any money.
A SunTrust credit card was opened in my business name. I do not have records of me opening the card, I have never used the card, I did n't even know I had the card. SunTrust shut my card down ( I moved and did not receive the statements ) and reported it, now they are saying I owe almost {$300.00} and they have reported it and now my score is affected. I started calling in XX/XX/XXXX after I moved to try and cancel my account, that was when I was informed that there was an overdraft that I would have to pay to close the account - which I did. Then all of a sudden I receive this bill for almost {$300.00} and they said they have reported me and have tried calling - I live on the XXXX XXXX now, I never had any messages from SunTrust. The missed calls I had were all either when I was sleeping and working - and again, they never left a message. They have lost records of me calling and trying to fix this - since XX/XX/XXXX - and the last conversation I had - this morning starting at XXXX am and spanning multiple calls, including XXXX for over an hour and a half - resulted in NOTHING happening. They have not helped me resolve this in any way. I should not be paying for a card I had no knowledge of and never used - in money or on my credit score. Their customer service has been horrendous in handling this, with their reps arguing with me and withholding information. I did n't even know the credit card existed until XXXX this morning when FINALLY someone at a branch in FL told me. This has been a complete nightmare.
I recently began to check my credit reports when I discovered a collection account from CMRE alleging that I owe {$540.00}. I do not owe any debt to CMRE or any affiliate as I have never done business with them or entered any agreements. I immediately submitted a dispute request to the credit bureaus. CMRE continues to erroneously report that this illegitimate account was verified. I then submitted a validation request in accordance to all applicable federal and state laws. CMRE received my validation request on XXXX XXXX, 2015. CMRE sent me a letter dated XXXX XXXX, 2015 simply typing my name and an amount owed. CMRE has not responded to my validation request and has not removed this trade line from my credit reports as requested. My request was submitted via certified mail with proof of delivery. I then filed a complaint with the XXXX. CMRE responded with false statements suggesting that I acknowledged the account was validated and that they were unable to contact me because I requested to cease contact. Both of these statements are false and misleading. This company continues to add damages with their violations of collection and credit reporting laws.
Long story short : I have had payments rejected by Ditech for three months now due to their error. I have called each month to correct the situation only to have another argument about the payments not getting applied as scheduled. Late fees assessed when they state they will waive them only to have them tell me, " I have no record of that conversation ''. ( This conversation took place in XXXX 2016 ). It has been three months now that late fees assessed and scheduled payments not applied as they were confirmed to be due to an error made in XXXX 2016 by Ditech. I now have to write a written letter with documentation of the problems for the last three months to XXXXXXXXXXXX. I guess they have no phone number or address, at least that is what I am being told.. I am unable to speak to a manager and when given his name and extension, only to be able to leave a message on voicemail, with no return phone. I also need to call the credit bureaus if and when this issue gets resolved to clear my name on any late payments reported to them because of this. This is a nightmare dealing with Ditech. My account online is locked and I am afraid to schedule autopay until this mess is cleared up for fear my payments will continue to reject. Documentation can be submitted if requested. All calls have been recorded each month according to Ditech.
XXXX XXXX failed to provide notice of debt for Medical Bills on behalf of XXXX XXXX. The address on file with XXXX didn't match the address the debt notice was sent. During this period incurred interest of XXXX. I request the interest fees be refunded.
Seterus, Inc. is alleging that I have already had my " XXXX opportunity to qualify '' for a HAMP Modification. However, based on the history and handling of my prior requests for foreclosure prevention assistance, I do not believe that I have been given an unfettered opportunity to qualify for a HAMP. Moreover, as explained in the attached letter that CFPB is copied on, the attempted HAMP by XXXX was nullified by XXXX 's own deliberately improper processing of the HAMP and by the very language in the " Agreement '' itself, at Item XXXX, Section K -- titled " Additional Agreements. XXXX falsely reported to the U.S. Treasury Department that the " implementation process '' for the HAMP on my loan had been " completed ''. Then, with full knowledge that this reporting was false, XXXX proceeded to accept and apply Incentive money from the U.S. Treasury Department to the loan. This was all done by XXXX in a malicious effort to disqualify me from consideration of any HAMP modification in the future. When I refused to comply with XXXX 's request to correct its own error in the notarization of the Agreement ( after XXXX 's XXXX-month delay in even booking the modification ), XXXX proceeded with foreclosure process -- while at the same time having reported the HAMP as completed. When XXXX learned that I did not respond to XXXX 's letter, XXXX retaliated by cancelling my completed application -- requesting re-evaluation for foreclosure prevention ( My employment status changed during the XXXX-month delay ). The reason that XXXX gave was because I would not re-sign and re-notarize the Modification Agreement. But for the last-minute assistance provided through Arizona 's HHF fund, my loan would have been foreclosed on XXXX years ago. I believe that XXXX and/or XXXX have improperly, if not illegally, mishandled prior modifications on my loan -- preventing me from having an opportunity to properly be considered eligible for a HAMP modification. I would like the U.S. Treasury Department or other appropriate government agency to make the determination as to whether BofA/FNMA properly complied with the Servicing Agreements or followed appropriate guidelines regarding my prior requests for foreclosure prevention assistance.
I have been on the income-based repayment plan for a few years. I called FedLoan Servicing at XX/XX/XXXX about re-applying to the plan and was informed that I did n't have to turn in the application until XX/XX/XXXX. I mailed my application on XX/XX/XXXX and received a letter on XX/XX/XXXX that I had been dropped from the plan, that my interest had capitalized ( over {$12000.00} ), and that my monthly payment had increased by over three times. I called to speak to someone and was told they were sorry but there was nothing they could do about it.