WillisBack/dataset-financial-user-claim huggingface dataset:
We are filing a complaint in regards to a foreclosure summons based on issues surrounding a recent short sale attempt with the plaintiff Wells Fargo. The nature of our dispute involves a notice that we received from the plaintiff dated XXXX XXXX, XXXX, which states that plaintiff has referred our loan to a foreclosure during negotiations for the short sale approval process. The problem is that we had only on XXXX XXXX, XXXX, signed a short sale agreement and had just begun the negotiations with XXXX XXXX XXXX of plaintiff 's short sale department. The fact that plaintiff referred our loan to a foreclosure prior to concluding negotiations only further supports our additional arguments that plaintiff, has more interests in foreclosing on our home rather than considering any offer of short sale no matter what the amount that could be or had been offered at that point. This is a direct violation to the National Mortgage Settlement ( NMS ) of XXXX. 

Furthermore, we are in the process opening and investigation or inquiry into the last modification agreement that we were approved for on XXXX XXXX, XXXX. We made all of the payments required under the trial plan as well as payments in the amounts of {$2100.00}, all the way through XXXX of XXXX. We then received notice from plaintiff, indicating that our loan modification had been cancelled and the only option for our loan would be short sale or deed in lieu, which is why we began the recent failed short sale attempt. 

In fact, according to agent XXXX ID # XXXX, of WFHM stated on XXXX XXXX, XXXX, that it seemed odd that the loan was sent to foreclosure 1 month after the loan funded for the modification which was being paid. She advised that she would open an escalation into this realization, however our third party contacted WFHM again on XXXX XXXX, XXXX, and no escalation had been made by agent XXXX ID # XXXX. Another violation of the NMS, unclear modification process which forces homeowners back into foreclosure rather than facilitating and amicable solution. 

We feel that our loan has been mishandled on multiple levels by plaintiff during the loss mitigation process, and we would like to have the opportunity to have outside counsel to review our loan for potential predatory and abusive custodial servicing actions on my VA loan. This is fraud against the US government and a Veteran of the USA. 

We implore the CFPB to grant us relief from " Tyrant Tactics '' to foreclose and continue to violate housing protection laws for residence of Georgia. We desire a 90 day continuance on our response to the foreclosure summons due XXXX XXXX, XXXX, in order to determine the best option in protecting our interests in a home that my family has every intention to retain and save from foreclosure. We feel that plaintiff has exercised negligence and incompetence in the servicing of our loan and has not maintained a transparent process during our last 2 loss mitigation attempts.
XXXX  of 2017 during Hurricane Harvey we spoke with our mortgage company XXXX/XXXX XXXX and they agreed to let us work on a payment plan due to the devastation of the hurricane. They agreed to report the payments as being on time yet when I received a copy of my credit report the months they agreed to report as current are showing delinquency. I tried to dispute it with the bureaus thinking the problem was they were not communicating with the company but they indicated they did. I was told buy XXXX/XXXX XXXX it shouldn't be reporting late. I don't know what else to do can you please help me get this resolved?
My name is XXXX XXXX and on XX/XX/2016, a check was cashed at CITI BANK Branch. The check was dated XX/XX/2016. Some eight months ago and there was a Police Report issued to Citi Bank clearly stating that there was Identity Theft. Citi Bank ignored all Police Reports. They cashed the 8 months old check and left me with nothing. After many personal visits, phone calls and emails. The bottom line is that I will not recommend CITI to anybody. We even contacted XXXX XXXX CEO, who failed also to reply.No money was returned to my account after many requests.
I have been complaining for a year to XXXX, XXXX that I am a victim of a fraud at a gas pump. Someone then used whatever ID they stole to obtain a {$500.00} cash advance. XXXX wants that from me plus interest and fees of {$270.00}. I have asked over and over for proof they might have as to who did this, signatures, ID used, pictures etc. They just ignore my requests that they investigate the matter and have placed the account with a collection agency called Cavalry. I made the same requests of them to investigate on XX/XX/XXXX and at this point have heard nothing. My credit is perfect, or  was, but I will not pay a debt I did not incur.
I have submitted several attempts to get this information deleted from my credit reports as it is damaging to my credit and ability to find substantial housing for my family and I. As apartments will deny you with a bankruptcy. However, I have reached out to the  US Bankruptcy Court  of  XXXX  - and they have assured me they have not given any of my information to any credit or reporting bureaus ; therefore there are no true validations to their claim. I did not file bankruptcy and this is incorrect information.
Pennymac is not adhering to RESPA, TILA, and consumer protection laws for mortgage loan servicing. I attempted to remit my payment today by the web and called in to only wait on hold for 25 mins, and was ultimately and erroneously denied due retaliatory discrimination for filing a HUD complaint. I contacted the company and informed them that I planned to remit a payment this month and instructed to do so by the rep. This is ridiculous and now my loan will report late. I want this investigated by HUD and CFPB and CA attorney general 's office.
I HAVE TRIED CALLING THE CREDITORS BUT HAD NO LUCK WITH GETTING MY ISSUES FIXED. SOMEONE TRIED GETTING SOME CREDIT CARDS IN MY NAME WITHOUT MY PERMISSION CAUSING HARD INQUIRIES TO OCCUR ON MY CREDIT REPORT. XXXX XXXX XXXX-UNAUTHORIZED- HARD INQUIRY- X/X/17 CHASE CARD-UNAUTHORIZED- HARD INQUIRY- XXXX/XXXX/XXXX XXXX XXXX XXXX- UNAUTHORIZED- HARD INQUIRY- X/XX/17
This company ( US Collection West ), which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1900.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
I am a XXXX with a XXXX mortgage with New American Funding ( NAF ) on a foreclosure I won in a HUD Good Neighbor lottery. After closing in XXXX 2016, I signed a 6 month contract to have a contractor remodel the home as part of the XXXX process and hired a consultant./inspector to report on the remodel to the draw manager and loan officer at NAF. 5 months into the remodel, the contractor had torn the house apart and started building without permits. He then asked for his first fund draw and an extension from the NAF draw manager via the consultant/inspector. Despite my complaints about both the contractor and the inspector to the NAF draw manager and loan officer about the status of the remodel, neither took action to fix the problem. I was finally forced to fire the contractor and inspector after the 6 month contract expired in breach. NAF did nothing but berate me in emails for not agreeing to a contract extension. The house is no longer habitable so I was forced to move my family into a motel in XXXX. In addition, city inspectors found the work done without permits is not to code. My new contractor estimates {$12000.00} just to do the ripout of the poor work before he can start. I have been paying both my mortgage and motel expenses for 4 months. Due to their complete lack of oversight on the remodel, I have asked NAF for a refund of paid mortgage fees to date, a suspension of fees until the remodel is complete so I can use the money to pay for temp lodging in a motel, and covering the cost of the ripout. In last 4 months, they have not provided a response other than they are in receipt of my request. At this time, I can no longer afford to pay both a mortgage and separate housing in a motel. I fear I will not be able to pay my XXXX mortgage payment and NAF will use that as an excuse to foreclose on my house.
I received a texted phone number on my phone. I called and it was Wells Fargo Bank asking if I wanted to reopen the credit card application. I stated I did not apply or open a credit card account with their bank. I was asked a series of personal questions to validate my identity. I only answered yes and that was my phone number which matched what they had. The other information was not me. The bank representative stated I contact my bank and all the credit bureau to place an alert. I proceeded and put an alert on my developed credit. No other transactions were done to my credit cards or any other accounts.
I lost my house to foreclosure and lost my checking account record 's and I can not prove any payments pnc bank will not provide old statements please help me get copies of statements for XX/XX/XXXXand XX/XX/XXXX
During my course as a XXXX at XXXX XXXX University, which I 'm expected to XXXX XX/XX/XXXX, I started out with a student loans through Chase Student Loans ; which I was n't aware at that time that they were private student loans. After a period of time, their time limit was n't based off still being enrolled as a student, they began sending notices for payments. I had made several payments over time and due to financial hardships of losing my job I was n't able to continue making those payments. During that time they had called between 6-10 times daily and when I answered it was an automated message each time. I had finally got in touch with them to discuss possible consolidation of the private student loans, due to that there were XXXX loans requiring XXXX seperate payments monthly, and they told me to just make the payments. I am currently a XXXX and unemployed, with all those circumstances that currently are they did not try to help in any way, shape, or form to handle this situation. I tried to take care of this matter, but due to financial hardships I presently ca n't afford to pay all XXXX private student loans through Chase and instead of consolidating all XXXX loans or post poning payments till after graduation they sent each loan into collections. Which in return prevented employment, that was the response from the business for myself not being employed with them. I 'm at a dead end and looking at options to handle this matter for I ca n't afford to be denied employment based on this matter with Chase Student Loans. Currently they have sent me notice of acceleration and is now in collections, this was a result of having no options to resolve this with them. Will provide any and all documents when I can have them scanned somewhere.
I began having problems with Fedloan Servicing just this year, and these problems include errors in recalculation for  XXXX , removing me from  XXXX  and placing me in to forbearance, cancelling out a request to be put back on  XXXX , and incorrect certifications or refusal to assist in certification, of work eligible for PSLF.     IBR Issues   XXXX   XXXX   XXXX   XXXX   XXXX   I electronically filed annual re-certification using tax documents. My payment went from {$48.00} per month to {$290.00} per month.     XXXX   XXXX   XXXX     : I electronically filed to recertify and followed up with the proper paper income documents. They removed me from  XXXX  ( to be fair, I checked the box saying to put me on the lowest cost plan, then scribbled over it and checked the  XXXX  box ) and put me into forbearance status.     XXXX   XXXX   XXXX   : I electronically filed to recertify and mailed in the required paper income documents.     XXXX   XXXX   XXXX   XXXX   they sent me a letter saying they could n't process my incomplete informatio n ( from my electronic filing which gives the opportunity for me to finish by sending paper income documents ).  They only gave me  XXXX  days to mail and them receive the documents.     PSLF Issues : I have dates from subbing that they will not help with. I received a letter stating that they cancelled out a recent request because I did n't get it signed by the company. I did n't get it signed because they wo n't certifiy it, and because I checked the box that said I ca n't get them to certify it. I am sending them a request and  XXXX  forms, and a letter to see what happens.   I am also sending them a letter for dates they did n't credit me with my current employer, along with a letter.     I am using  XXXX  and PSLF because I am in public service and ca n't afford high loan payments. I want to get my loans forgiven. There is a constant stream of letters and mistakes from just this year, and I just do n't need to be babysitting this loan constantly. I am frustrated and would like someone to see that my loan will be returned to  XXXX  with an affordable monthly payment, and that all of my  XXXX  and PSLF forms are being processed with care, and that I am not having to resubmit these things over and over.   Thanks,  XXXX   XXXX
XXXX XXXX XXXX XXXX, purchased a medical debt of {$110.00} from XXXX  XXXX in XX/XX/XXXX ; the debt was paid off to XXXX XX/XX/XXXX. XXXX submitted an update to the Credit Bureau as a collection action on XX/XX/XXXX showing that the bill was paid, was settled on XX/XX/XXXX and there is a XXXX  balance. To continue to report this as a collection action to the credit bureaus is arbitrary and capricious and I believe a violation of Fair Credit Reporting Act ( FCRA ). I asked several executives of the company to please remove this from my credit report, but they refused. THERE IS NO BUSINESS JUSTIFICATION TO CONTINUE TO REPORT THIS AS COLLECTIONS ACTIVITY. I spoke to XXXX XXXX, Team Lead, Dispute Dept, and XXXX XXXX, Compliance Dept. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , DE XXXX ( XXXX ) XXXX.
Sherriff Sale was on XXXX/XXXX/2015. Financial package requesting loan modification was submitted on XXXX 2015, Sherriff Sale was postponed to XXXX/XXXX/2015. Document requested on XXXX 2015 were submitted, contact with the special contact person on XXXX confirmed they had everything needed and case was on review. No mail or phone call since then, now its XXXX/XXXX/2015, after several ph calls, to no avail, requested to speak to customer service. This Department explains that the special contact person is the only one that can discuss this case. That the last Notes on the case were when docs were received on XXXX and case was sent to review. Sherriff sale still schedule for XXXX/XXXX/2015.
My account was unreasonably cancelled by the Bank of America. I do n't care they close my account with no reason but I need my money on the account back. The total is XXXX dollars. I call them lots of times from the end of XX/XX/XXXX till now. They told me they will send the check to me, but I am not sure if they really did. I check the right address and phone number. The first time they told me they had made a requirement for sending it. After few days, I called them again to check. They said it was sent out already, but I did n't get it. They asked me to wait but there is no response anymore. I kept calling them to ask, the attitude of customer service is so bad! And they said they still did n't sent out but they can make a requirement again. After three business day, as they said I call them to check again, they still did n't send out. I asked if they can give me a reason why they did n't send it and send me an email when they send the check. They still say no!! They said the check was sent back to the Bank because no one received. That 's impossible! I lived in the residence hall, all the mail will be received by university employees and the Bank mail does n't need signatures. Today, I called the customer service, firstly, a lady asked me do my city have Bank of America, if so, I can just go to the bank and get money. Then I called the Bank of America financial center, the  banker told me I can take my photo ID and get money directly. For making sure, I called the customer service again. Another customer service worker said they do n't have this service and what I can do is waiting. They do n't give me any promise, response and evidence show they have already sent my check. 
My first language is not English. I am an XXXX I do n't know if this is because they think XXXX people do n't know the policy or law, so they intentionally do this to me. This is XXXX. I really want you can help me to solve this problem.
On XX/XX/XXXX I applied for a loan to refinance my home. Upon completing the application I received a copy of my credit reports and on two of the three reports it said there were accounts that are seriously delinquent. They do not say what account could be delinquent but there should be none, I also use XXXX XXXX since it shows what accounts affect my score and it also shows none as delinquent.
I found a debt with XXXX on my credit report that was being reported by stellar recovery. I contacted and paid that debt with comcast on XXXX/XXXX/2015. XXXX stated that they would contact stellar recovery to have this debt reported as paid. As of today, XXXX/XXXX/2015 the account with stellar recover shows unpaid.
I received a phone call from Speedy Cash legal department last week stating that a payment plan needed to be setup immediately. I didnt have an account # to provide them, so I gave them a old debit card #, but promised to provide the new number once I received it in the mail. I received a text message this morning with a link attached to it. Apparently, I am being sued for the amount owed & a warrant has been issued for my arrest. They also stated that it was too late for the payment plan and IF I wanted to pay in full, I could not do it through a bank account nor debit/card. They want me to wire it through XXXX XXXX or XXXX because their bank is in XXXX.
I sent a letter to Bank of America which according to USPS Tracking # XXXX XXXX XXXX XXXX XXXX they received on XX/XX/2018. In the letter I asked them to validate & verify a debt they are reporting on 2 of my credit reports ( XXXX  & XXXX ) according to the FCRA. However I never received a response from them.
I have had a credit card with this company for over 2 years, proven to be an excellent consumer, never been late with a payment, paid off the credit card balance more than twice. The company continues to charge me absorbent usury fees, monthly and annually and they have not given me the best interest rate available. Often the minimum payment I make is put right back onto the account in interest not reducing the balance. 
I opened this account with the company aware that I am on a fixed income, reporting an annual income of less than {$XXXX}, and that I am not employed. I had a credit card increase more than once, and I have been responsible. 
I am an American with XXXX, and I realize that I am being taken advantage of because of my condition. I especially, have been mentally challenged as being on a limited income. I have asked the company to close my account, however, I have been told it is better to keep the account open until it is paid off, which is tempting, because then I will use the card because inevitably I will need something before months end. 

What I hope to happen : Given the fact that I have been an exemplary consumer, and proven my creditworthiness, and the company has deliberately and willfully used unethical business practices in extending credit, through usury practices. I want this credit card debt to be settled by the company and in good standing on my credit report.
They left me a message stating they were attempting to collect a debt. ( I do not have any outstanding or late debt, I monitor my credit report monthly ) When I called back they asked me if I used to go by the name XXXX XXXX XXXX ( my maiden name ) and then asked me to supply my dob. I did not. When I asked them what supposed debt they were calling about, they said they needed to verify my information XXXX. When I asked what kind of company this was, they said vaguely " financial services '' I asked them to clarify repeatedly and she would not. I then asked what else was needed to verify my identity in addition to a birth date ( I did not give them that much ) and she said the last XXXX of my social. I told them, '' Absolutely not '' and hung up. This company has more online compalints than I could have imagined and would not give me any information without asking for my personal info first.
I have been trying to work with my lender for the past 18 plus month to approve a short sale of my property. I explained to the lender that my income had been reduced as I am a sales person that make commission and I had to take care of my father who had came to live me with me and my wife due to XXXX. My father passed away without life insurance and it was up to me to pay for the funeral arrangements as well as take care of his affairs. Between the reduction in pay as well as taking care of my terminal father I was unable to pay my mortgage as well as mortgage on the house my wife and I were living in. I racked up substantial credit card debt just to take care of everyday living expenses furthering my hardship. Most recently my wife lost her job and I recently had a XXXX. After my wife XXXX she was in the hospital for more than two months furthering our debt and non ability to pay on my property. My realtor has procured several viable buyers over the past year and half but each time Selene Finance prolongs the process by requiring multiple paper work that has been submitted before as well as asking for an increase to the selling price, essentially pricing out the market. This has been an burden to my family as well as to my financial well being. I ruined my credit in order to partake in the short sale process only to find that Selene Finance is not interested in allowing a short sale on the property. I am the sole earner in my family, with a XXXX, medical bills, as well as a mortgage on my wife 's property to pay on. I simply can not afford to pay two mortgages, two HOA fees, two utility billings on any type of salary I currently make. I need any help as possible to get from under this property. Selene Finance is not interested in helping me with this situation as the past almost two years have shown.
American Credit Resolution/ACR has violated so many of the rules that are in place with regard to debt collection. This company has continued to call me on my cell phone - numerous times a day from different numbers ( leaving me voicemails that they are sending me demand letters to my place of employment or home ). At least 7 times each day to my phone ... ... .... They also call relatives and give them private information in hopes of getting a different phone number to reach me. They continue to call my place of employment when I have asked them several times to stop - just changing the CSR does not mean they can now call my work again. Each all they threaten demand letters and legal action - also illegal, right? MAKE THEM STOP!! My personal information should not be shared with anyone and when I ask them to stop they should stop harassing me.
Transunion on XX/XX/2018 Report Number # XXXX has on my XXXX XXXX XXXX  Statement # XXXX as {$30.00} Dollars paid when there was {$50.00} paid for the month every month for the past 4 months there has been wrong amounts by TransUnion to what I'm paying and I have uploaded proof by XXXX XXXX XXXX as to why the amounts by TransUnion differ as mu other credit cards are the same issues I'm not paying as the Scheduled Payment amount.