WillisBack/dataset-financial-user-claim huggingface dataset:
I have submitted a complete mortgage modification application based on a material change in my financial circumstances and Wells Fargo Bank acknowledged receipt of my complete mortgage modification packet in XXXX XXXX, however since that time Wells Fargo Bank has not requested any additional documentation or sent out any decision. 
Civil Code section 2923.6 precludes the recordation of a notice of default where the borrower has submitted a " complete '' application for a loan modification on the first deed of trust, while the application is pending, or until the lender gives the borrower a written decision regarding the borrower 's eligibility for the loan modification. This section only applies to a first deed of trust on the borrower 's principal residence. If violated, the statute allows for injunctive relief to postpone a trustee 's sale and allows for a private right of action for damages, including attorneys ' fees, to the prevailing borrower for a violation. 
I have also never been contacted by a single point of contact and Wells Fargo Bank has not explored all foreclosure relief alternatives. Lender Compliance with Civil Code sections 2923.5 BEFORE notice of default can be filed, Civil Code section 2923.5 requires lender to contact borrower in default and " assess the borrower 's financial situation and explore options for the borrower to avoid foreclosure. '' Lender must attempt to make contact with " due diligence ''. The due diligence required is set forth in the statute. The CA. Homeowner Bill of Rights also provides that dual tracking protections can also protect homeowners who have been previously denied a modification, if the homeowner documents and submits a " material change in financial circumstances. '' I did submit a material change application with evidence of additional income and yet Wells Fargo has gone intentionally silent to preclude the ability to seek all foreclosure relief alternatives. 
Additionally, I have received XXXX curb appraisals from Wells Fargo Bank, XXXX in the amount of {>= $1,000,000}, and XXXX in the amount of {>= $1,000,000}. On XXXX XXXX, XXXX Wells Fargo sent out a 30 day notice to pay my past due amounts owed, or they would seek foreclosure. 
As a result I have been forced to accept a below appraised value offer on my primary residence in the amount of {>= $1,000,000}. 
Wells Fargo knows that any sale of my home will make any alleged beneficiary whole and yet they choose to foreclosure over the alternative to provide me with the ability to preserve my equity, and still be able to provide the beneficiary with a XXXX repayment, including all alleged arrears. 
I would like the CFPB to investigate this dual tracking issue, lack of due diligence issue, as I would like my SPOC to contact me to explore all foreclosure relief alternatives to avoid foreclosure, and be given more time to sell my home without being forced to seek State Law injunctive relief and Federal reorganization plans.
I believe that the initial interest rate exceeded the maximum amount a person should have to pay, well over 20 %. Although I tried maintaining the payment and asked several times to lower my payment, the lender only extended the loan until I could no longer afford to keep the vehicle and it was repossessed. 

The balance remaining after the vehicle was supposed to have sold is well over what the car is even worth today. Below you will see what the value of the vehicle really should be DMV profile XXXX XXXX VEHICLE XXXX XXXX XXXX XXXX XXXX XXXX 4dr XXXX VIN : XXXX DRIVERS XXXX XXXX Year of birth : XX/XX/XXXX Driver license : XXXX License state : FL Expenses Insurance Last updated XX/XX/XXXX - Vehicle Value Estimated by XXXX - {$9000.00} Private party Current valueUPDATED {$9000.00} Private party {$6700.00} Trade-in good condition {$6000.00} Trade-in average condition {$5100.00} Trade-in poor condition About vehicle valuation There are several factors that are used to calculate your cars current value. Your current mileage, where you live and the cars condition all play a role in your cars value. 


Recall notice STRUCTURE : BODY : HATCHBACK/LIFTGATE + XX/XX/XXXX Affecting XXXX vehicle
When we were in XXXX, a vendor accidentally XXXX billed a charge of XXXX XXXX, They issued a credit the same date, XXXX/XXXX/15. 
Unfortunately the XXXX charges ( same day ) were billed at different exchange rates and were billed US {$23.00} and US {$22.00}, but the credit ( same day ) was for US {$22.00}. 
When I questioned Citibank they were unable to assist me and explain how XXXX transactions were for different amounts on the same day, they told me to refer to XXXX XXXX XXXX. Does the XXXX XXXX XXXX exchange rate vary by minute? This appears fishy to me.
I previously had a Coinbase account, where I would invest money. The account has locked me out, forced me to withdraw my funds, and will not allow me to re-create my account. It says I was in violations of XXXX. XXXX has referred me to this complaint process to remove my name from whatever list I would put on so I can create an account.
I have been battling with this bureau for the last year to get some inaccurate items corrected on my credit report. I have   XXXX   XXXX   XXXX   XXXX   accounts showing on my credit report that shouldn ' t even be there but nonetheless I 've initiated over  XXXX  separate disputes and most recently I simply gave up because this credit bureau wrecks my score when they updated  XXXX  or more of these accounts and reflected it as a Paid "  medical data ''  account with the main derogatories reporting as recent as  XXXX  even though supposedly it 's been paid since  XXXX    XXXX  . This has caused a significant drop in m y credit score and is preventing me from moving forward on a home loan for m y family. I 've attached the document with markers to describe timeline. I feel as if this credit reporting agency allowed for this to happen so they could collect money for creditor reporting and ignored my wishes to remove account. Feels like retaliation and I only wanted the credit bureau to remove the account based on several inaccurate reporting factors and because I never got a full explanation of procedures used to verify the reports. This has caused significant undue stress on my marriage and family because the lender says because of the update from this agency the score dropped and we might lose our house. Please if consumer financial protection can help I would be very grateful. I 'm hoping that the facts can be seen and my rights under the FCRA will be honored.     Thank you,  XXXX
XX/XX/2018 Letter to XXXX XXXX, XXXX XXXX XXXX - My client, XXXX XXXX, called me and told me to call XXXX XXXX at XXXX XXXX XXXX x XXXX. My client said Why is a Collection Agency calling you at my business? GOOD QUESTION! 

XXXX Do you know that calling my client is a violation of Collection Agency Ethics? Please give my Invoice to your boss and have him/her/they process it as soon as possible. 

In XX/XX/2018, I wrote to XXXX XXXX XXXX, Chairman and CEO, American Express Company and XXXX XXXX XXXX, CEO, Delta Airlines instructing them to cancel my Delta Sky Miles American Express account after 50 years as a customer. I never received a response. 

Account XXXX is a FRAUDULENT account. I never opened an account ending in XXXX. My recurring payment to XXXX was transferred to the FRAUDULENT account, which messed up my XXXX account and will cause XXXX to lose my business. My Credit Score has gone from XXXX to XXXX, all because of the FRAUDULENT activity of your client, AMERICAN EXPRESS. 

Enclosed find INVOICE XXXX XXXX XXXX, INVOICE XXXX Mr. XXXX XXXX XXXX and INVOICE XXXX XXXX XXXX XXXX. 

Thank you for your assistance in this matter, XXXX. I am sorry to see you caught in the middle. I am sure you want to treat me fairly. ''
I had a bank account with First Niagara in XXXX, PA. I noticed around XX/XX/XXXX that a check cleared in XX/XX/XXXX for {$900.00} to my landlord. However, my rent was {$600.00}, and I had a rent receipt for a {$600.00} cash payment for XX/XX/XXXX to my landlord. I also had several fraudulent electronic charges. I was XXXX in XXXX, and had to get a XXXX in XX/XX/XXXX and do XXXX, so I was not in the condition to moniter my bank account. I spoke with the manager at the XXXX, Pa branch on XXXX XXXX, and submitted an affidavit and filed a police report for the {$900.00} check. However, the bank refused to refund it under fraud, stating that I was negligent for allowing a fraudulent check to be written and cashed. The copy of the check for {$900.00} was very obviously not in my handwriting, and the largest check that was ever written on my account was under {$150.00}. I was told I had fraud protection on the account, and would be notified if there was suspicious activity. A check that was excessively high compared to my entire account, written to someone that I never used a check for, should have flagged. My bank agreement says I have one year to report a potentially fraudulent check, and since I met that. I reported it as soon as I saw the issue. I debated with First Niagara about this issue for over one year, and ended up closing my account. I believe the check should be refunded. My agreement for my account included fraud protection, and a check that large met the criteria to be flagged according to my agreement.
I 'm pretty sure these XXXX accounts are n't mine but it wo n't let me redispute because it says it 's been verified already.
I have recently obtained a copy of my XXXX credit report that reflects a credit inquiry made by your company on XX/XX/2016 that I do not recall authorizing. 

This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my XXXX credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have this unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.
Im being harassed. Im never late on my loan. Never been 1 month late yet I seem to get threatened every month that they are going to repo my car today. It shows on my credit report Ive never been late. They call me every day almost. Plus they harass my coworker on her personal line since I used her as a reference and call my mother and tell her my loan information. She has a XXXX  problem.
On XX/XX/XXXX I purchase some furnitures from XXXX, they were offering 12 months same as cash financing, I take the offer and open an account with Comenity Bank, which is the finance company this store use. I did n't get most of my furniture till XX/XX/XXXX, I pick up about {$2000.00} worth of furniture within next few days, there is about {$4000.00} of furniture did n't get delivery till XX/XX/XXXX. I got charge for the interest due because I have not paid in full by XX/XX/XXXX, but the store told me when I purchase it, that the delivery will be on XXXX, which it did n't happen. I call the store and the Comenity bank, both refuse to help or waive the financing charge due to the delivery where postpone till XX/XX/XXXX. I only have about {$2300.00} left after I made many regular payment over the last 12 months. I was going to make the final payment on XX/XX/XXXX once my 12 months time is up. But according to Comenity bank they say the interest free is only good till XX/XX/XXXX, if I do n't paid by then I do get charge for the interest accrued for the full amount. I have attached the paper work to show the delivery date and the first month statement and most recent month. Please assist with this matter, I feel the retail store and the finance company should n't have charge me for product which I have not received. Thank you so much.
Was told that loans where approved gave account and routing number for money to be transferred but never received. Other loans Zi never applied for as well.
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX  and XXXX only reporting me late. There was definitely an error on their part. I was never 120-149 days late since XX/XX/XXXX to XX/XX/XXXX.
My mortgage company, Roundpoint Mortgage, is very incompentent. I provided needed flood insurance documentation multiple times to the email addresses provided, with proof. They still assesed flood insurance to my escrow, after receiving proof. Since working with a bad customer service experience I have received XXXX different revised escrow analysis statements with no explaination. Calling them is no walk in the park. The real kicker is anytime you go to make an on-time payment they asses an NSF fee automatically within their on-line payment system. That is just wrong.
I had signed up for a site called XXXX, where you could by Bitcoins using your bank account. I stopped monitoring the account because I no longer wished to do business with them. Unbeknownst to me, my data/devices were compromised after using them on an compromised network ( my temporary place of employment has significant security issues ). Through this, someone was able to access my XXXX account, initiate thousands of dollars of purchases ( initially in small amounts, then larger ) and send the money out from the account without any additional verification being asked for by the provider of the service. 

I advised my bank, Simple.com ( attached to XXXX XXXX ), of this. I owned up to the initial few orders I placed with XXXX, knowing that this makes the proceedings more complex. They researched it and denied my claim, citing XXXX initially saying all the transactions came from the same single IP. I pushed them for details and documentation, but they provided nothing other than the notes of a phone call. They said they 'd research it again. The results of the research led to another denial that hinged, again, on the very same notes of a phone call with no real documentary evidence. 

They said that, since I authorized their use of my account for ACH withdrawals and never explicitly removed that authorization, that they had no ability to dispute the charges despite my indicating that I never authorized them. They sent me to the provider to argue my case for them to refund me, which I will report in a separate claim, but knew would n't be fruitful. 

Everything I 've found online suggests that even ACH withdrawals that are in dispute from a previously authorized third party are to be fully disputable. Simple says that is not the case. I asked them to provide their published ACH dispute policy and they said they did n't have one. I asked them why they do n't publish their policy when it differs from common practice ( like what the XXXX notes ) and was then told I 'd need to send all further correspondence through postal mail, as my account was closed ( they closed it because they acknowledged my account information was compromised, even when they said none of the charges are disputable or even appeared to be fraudulent ).
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.
I requested a 2 month extension with key bank as I ran into a financial situation which I'm still in. I was told if I called back in XXXX or XXXX they would help me so I did. I had my father call as he is on the loan too. And they gave him a hard time. I'm still fighting with them I have reported them to the XXXX. I got a letter from them stating that my hardship provided indicates a long term hardship all I asked for was 2 months so I could get caught up do I wont lose my car
GoFinancial stated they placed my vehicle out for repo at 63 days past due. They acknowledged that they NEVER SENT A RIGHT TO CURE LETTER. THIS IS ILLEGAL.
Ok, I checked my XXXX credit report, and these XXXX are harassing me for {$6.00}!!!!! REALLY?!!! I HAVE NEVER EVER seen these providers in my XXXX life, I do not wan na hear a XXXX thing about contacting the police either, bc I have already done that. I have spoken to several reps about this, all XXXX were rude, one of them asked me a question abt Medicaid and XXXX. It 's none of your XXXX business what insurance I have, also ... the police DO NOTHING abt ID Theft unless your XXXX is famous!!!!!! That does not work!!!!!! I know XXXX other people that have had the same stuff happen, and they did nothing ( the police ).
I called to make payment arrangements on bills that I owe. I spoke with XXXX who states he was a supervisor. I explained to him my financial situation and offered what I could do. He got very ugly and asked why I didnt go get a loan to pay off my medical bills or get a credit card. He asked personal questions that did not relate to the medical bills we were discussing and even brought up that I needed to file my taxes by XXXX XXXX so that I could pay him. I explained some of the things I was having to pay and he told me that paying for a vehicle was not more important than paying his company. I asked to speak with someone else and he would not allow me to. I feel like he was going far beyond what the call was about into my personal business and handled the situation completely wrong. Even after attempting to make payments he said that they were still going to try to garnish my wages and he would get 25 % of my income.
Attempted to obtain report from Experian through AnnualCreditReport.com and received an error message directing me to experian.com or to call Experian consumer services. Attempted to PAY for my report through Experian.com and received the same error message. 
After speaking to consumer services they stated that they can not verify my identity ( even though I have provided 100 % legally factual information ). Phone rep for consumer services says there is no way to obtain my credit report.
I had a Discovercard account protected by their Payment Protection XXXX program. I filed a valid XXXX claim for XXXX sustained on XXXX/XXXX/XXXX, that was approved. As required by the plan, I submitted periodic continuing claim forms. In XXXX, XXXX, I was declared by XXXX of my physicians and XXXX Social Security physicians XXXX and unable to work. It was decided that I would never be able to work again. My continuing claim forms had been indicating for the past year that my XXXX had gone from temporary to permanent with no statement from Payment Protection even when asked. The only statement I received from Payment Protection was after filing my Continuing Claim form in XXXX, XXXX, I received an email stating that my claim had been approved. That would be the last correspondence I would receive. 
As my injuries would lead to the discovery of an XXXX, and I have no familial assistance, my energies and focus went into handling my health. Not receiving anything from Discovercard, I was not thinking of them until I received a letter from a XXXX XXXX in XXXX, XXXX advising they were ready to put the account in an attorney 's hands for suit. I wrote them and advised that the account was supposed to have been paid off by Payment Protection and sent copies of the XXXX 's. I received no response until I received a correspondence from a local attorney. I responded to him by sending him the documentation from the Payment Protection claim and advising him that pursuant to the terms and conditions of my contract with Discovercard Payment Protection XXXX, I had an approved XXXX claim and as far as my understanding, the claim paid off the debt. Two months later, I received a non-responsive correspondence containing my application, years worth of statements and what appeared to be a canned form cover letter stating that the enclosed was proof addressing my concerns. Nothing about the payment protection. I answered back on XXXX/XXXX/XXXX. No response from Discovercard 's attorneys. On XXXX/XXXX/XXXX I sent a follow up stating that barring a response otherwise, I was presuming that they had found they were in error and had performed an investigation and found themselves to be wrong. Again, no response. 
I found out today that on XXXX/XXXX/XXXX they wrongfully filed suit against me for a debt I do not owe. I have yet to be served. 
My issue involves : Credit Protection/Debt Protection Over Limit Fees Late Fees Other Fees Transaction Issues Delinquent Account Customer Service/Customer Relations Billing Disputes
I sent all three credit bureaus a certified letter, requesting this closed account from XXXX XXXX from XX/XX/14. To be deleted from my credit report. It has been well over 90 days and I have yet to get any correspondence from them at all. This violates the FCRA law that States the bureaus have a responsibility to respond to the consumer within a timely manner.
Before I was educated on FAFSA. I was made to believe that my only option for school financing was private student loans. I went ahead and applied for a Student Loan with Wells Fargo. I am newly Graduated and finally got my first job. Of course being newly graduated and not having much experience my salary isnt as high as i would like it to be, once again due to lack of expereince. I am unable to pay the full amount of my Private student Loan. I have reached out multiple times to Wells Fargo to speak about options i have to relive me from some of this financial burden and they were not very helpful at all in wanting to help me. I can not afford the monthly payments they are requiring me to make and I often have to decide which bills to pay and not pay on a month to month basis because the weight of the financial burden is to heavy. 

I also herd that if I had a private student loan but was eligibale for a federal that i was able to convert this private loan into a federal student loan. I dont know how true that is or not. All i know is that I have tried to contract Wells Fargo multiple times about coming up with a repayment plan that would work for both of us and they are not working with me at all. If i am late on payments ( After i told them i was unable to pay full amount ) they start to call and harass me non stop to my cell phone and my parents work phone numbers. 

I am trying to take care of my responsibilities but they make it very difficult for me. I feel like I am drowning. Please Please help me
This is for Trans UnionPlease note case number XXXX on file for XXXXDear Sir or Madam : I am writing to dispute the following information in my file. The item I am disputing is attached in this email. This item from XXXX and XXXX XXXX XXXX has been settled and needs to be removed from my credit report. My credit report is still reflecting this as a balance owed and now that it has been satisfied it needs to be removed or corrected with a {$0.00} about due. I am requesting that the credit bureaus delete the information or correct it. Enclosed is an attachment from XXXX XXXX XXXX supporting my position. Please investigate and delete or correct the disputed item as soon as possible. Sincerely, XXXX XXXX XXXXXXXXXXXX