WillisBack/dataset-financial-user-claim huggingface dataset:
I am a XXXX year old widowed XXXX senior citizen who is not only a " Victim of Predatory Lending '' since 2007, but I believe that my " Civil Rights '' have been violated according to the 13th & 14th Amendments of the U.S. Constitution & Certain Congressional Acts, especially applied to an " Individual '' or a " Minority ''. Each year nearly One Million Loans are made with " unreasonable terms '' & " abusively high lending fees ''. The Elderly 's property wind up in Foreclosure, because the institutions know that they can not afford this in the first place! I have been told by Attorney 's at the XXXX Supreme Court house that it is in fact " Predatory Lending ''. I have proof if you need it!
I have submitted with the help of my niece over 25-50 Loan Modifications to the different agencies that were chosen to collect from the Original Mortgage Company, American Dream Mortgage Bankers , Inc. Each one was denied because I could n't afford the payment. The servicing company at this time is Bayview Loan Servicing , LLC. Please note that I am in the process of yet another loan modification that was requested from them and received by my niece on XX/XX/XXXX( please note that my niece receives all the necessary paper work, because I can not do what needs to be done ).
I recently found out that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has the original note.
How is this possible that Banking Institutions can get away with this Injustice? It has been 10 years that I 've been fighting to keep my home, why is n't anything being done to help me? All I keep hearing is " You can not Afford this '' ... .of course I ca n't, I could n't afford this in the first place. Unfortunately, for me it was the first time that I had to handle business shortly after my husband passed.
I have sent copies of my latest " Hardship Letter '' to the Honorable Donald J. Trump USA, The US Dept. of Justice, Civil Rights Division, The Honorable XXXX XXXX, XXXX XXXX, XXXX XXXX, The US Dept. of Urban Development, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. & XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
I now owe on top of my 520.000.00 Mortgage {$350000.00} in late fees. I only receive SS & Veterans Pension for Husband. I have two tenants that lease the 1st & 2nd floor apartments. Please help me resolve this issue once and for all. I am sure there are millions of Seniors in the same place, maybe we should start a " Class Action Suit ''?
I wanted to send money to my mom and the WesternUnion app has an option that if someone completed the process in the app, it will charge them {$5.00} but despite I completed the process and received a confirmation email to go to the agent at this point and went to the agent at XXXX XXXX XXXX XXXX CA, the agent at first tried to send it but she couldnt because it was asking her the identification number which we didnt know neither the agent. Then i called the western union customer service and waited for the commercial for 40 minuets after that a lady answered and when I explained the situation to her she said she was sorry for the inconvenience and then again the computer started the commercial for more than one hour and then the call dropped. Then I asked the agent to help me but she was rude and refused any help. Then I did not have any other choices except to send the money to a higher price which was {$11.00}. And it looks like western union wants to one up people by giving them false promises. I want my {$6.00} back because they were dishonest to me and If not I will sue them as they wasted my valuable 4 hours. And finally no help. They have the wrost customer service.
I have sent a letter to Wells Fargo ( XXXX ) disputing 5 accounts as erroneous on XX/XX/2018 and mailed them USPS First Class Mail. I received notice in the mail that you sent the deleted XXXX dispute letter ( s ) on XX/XX/2018. It is now XX/XX/2018, it's been over two months since each account was DELETED. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per un-deleted item. 
Enclosed find a copy of the deleted XXXX  dispute receipt showing when you received my dispute showing all the accounts I have disputed.
I have pulled my credit report and found there to there to be inaccurate inquiries on my credit report. I have sent 2 letters via certified mail to Transunion Credit Reporting Agency requesting for the removal of these inquiries. This is my official complaint and last resort before I seeking damages if these inquiries are not removed. It is to my knowledge that the FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. 
XXXX. XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX   XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX
Loancare is our loan service provider for our mortgage. We set up an automated payment request for the XX/XX/XXXX to pay our XXXX mortgage payment since we would be traveling out of state from XXXX XXXX - XXXX. We did not have access to email or XXXX mail until we returned on the XX/XX/XXXX, but did have cell phone access during the entire trip. OnXX/XX/XXXX we received notification that our mortgage payment for XXXX XXXX was not made in a timely manner and that Loancare reported us 30 days late to the credit reporting agencies. Upon contacting Loancare, we found that the automated payment was not accepted. When asking why we were not immediately contacted, they told us that they had been reaching out via telephone, but upon further inquiry, they admitted they had the wrong phone contact number in their system and was unsuccessful in reaching me. Furthermore, the letter that was sent to us stating we are late for XXXX was dated XX/XX/XXXX, post marked XX/XX/XXXX and not received by us until XX/XX/XXXX. Clearly we were not notified from Loancare that the payment we had submitted was not processed and immediately upon finding out, we corrected the problem. It is for the reasons stated, specifically the wrong contact information and mailing of the late notice so late in the month, that we are requesting a credit suppression for the 30 day late report they are ruining our credit file with. On XX/XX/XXXX we requested a one time credit  suppression due to the unique nature of this problem and Loancare states on their website that " within 15 calendar days following the receipt of an inquiry, we will provide a written response that includes details of how the inquiry has been resolved. This would be XX/XX/XXXX. A resolution was never given. Furthermore, they state that withing 5 days of the inquiry, " we will provide you with a case number and a toll-free number to call to discuss the issue and a resolution. '' This toll-free number was NEVER provided and NOBODY has ever discussed the case with us. This issue has now caused our credit FICO score to reduce by 60 points. We are currently working with XXXX XXXX XXXX XXXX to secure a mortgage on a new home and need to have this issue resolved prior to XX/XX/XXXX ( which according to the Loancare website should have been resolved by the 20th ) or we will lose our mortgage commitment and our new home. We have made a reasonable request for Loancare to  suppress the erroneous reporting based on them having improper contact information and Loancare is acting unreasonably. Especially considering that we have NEVER been late on ANY payment to Loancare or any other creditor in the last 14 years.
I had a car loan with Onemain Finance and was buying a new car using XXXX XXXX XXXX XXXX XXXX as the new lender. I called the one main branch where my loan originated and had them provide me with a payoff on XXXX they quoted me {$3600.00} and advised me as long as I paid it off on or before my next due date ( XXXX/XXXX/2015 ) the payoff would be the same. On XXXX XXXX XXXX XXXX XXXX XXXX paid Onemain Finance {$3600.00} and Onemain posted the payment XXXX/XXXX/2015. I thought everything was taken care of and I just needed to wait in my title to my old car that was paid off. I received a bill in XXXX stating I still owed Onemain money. Thinking there must be a mistake I called and they told me that I still owed {$1000.00} and in order to pay the loan off I could pay {$120.00}. I tried to plead my case but the branch was very rude and told me that if I did n't pay the {$120.00} by XXXX/XXXX/2015 then I would be responsible for the {$1000.00}. I 'm an elderly and did not know what to do I 'm on a fixed income and after paying my bills I did not have the funds to make the payment. I gave Onemain permission to speak with my son hoping he could work out a resolution. He called the branch and spoke with the branch manager XXXX XXXX who was again very rude and abusive. She told my son that the payment was not posted in time and had no explanation for why the payoff would change {$120.00} from the time I called or why the payment was not posted sooner. I have done business with Onemain for several years and have always paid them well before my due date and I always paid more than the regular payment. My son ask if they could assist with waiving any fees or helping and she replied that 's not how the do business screaming at him. My son told XXXX that we would be contacting the CFPB to file a complaint and she replied that Onemain is a large company and that one complaint would not make a difference. I am a honest and careful person and treat everyone with respect Onemain 's approach to customer service was the worst I have ever seen and I am still left with no explanation on how or why all this happened.
Portfolio Recovery Continually Calls My XXXX Year Old Mother 's Home Phone And Cell Phone To Try To Collect Debts Relating To Her Daughter. Called Her Cell Phone Today From XXXX. They Have Called From Numerous Numbers From XXXX And XXXX And Others.
I contacted Citibank about refinancing my mortgage. I was given a rate which would be locked in for 60 days. I was given a list of documents to submit. I scanned and sent the documents. As these were being reviewed, I would get more requests for various information, which I continued to submit. I paid for a an appraisal of my home which was set up thru the bank. I continued to respond to the requests for more information. Seven days before the end of the rate lock, Citi is still requesting more information. We are are now at day 70 and the staff that was working with me is on vacation. I have no idea if I was approved or not for this loan. This loan should have closed weeks ago.
I have disputed the information in regards to Experian posting the XXXX on my credit report. The resolution was account information disputed by consumer. This item was updated from our processing of your dispute in XXXX 2016. I also received an email in regards to the dispute from Experian saying that they have investigated and found the account to be valid. I called Customer Service today and received the same statement but when I asked about what information that was found to verify this account was mine. The CS rep recommended that I speak with the Credit Specialist and the credit specialist told me the same thing at first and then came out and said that they did not really investigate the dispute and do not have evidence to verify the account. 

I have submitted police reports and ID Theft affidavits stating that my information was compromised and the creditor XXXX tried to sue but did not show up for the court appointment of XXXX XXXX, 2016 @ XXXX XXXX that they had set. 

I would have expected Experian to take serious the dispute process because not only does it affect my credit score but my livelihood as well. I believe Experian would have taken more precautions and be more concern if they were in my shoes. 

Also the Experian Credit specialist stated the creditor XXXX had submitted that my address was an address in Arizona. The problem with this is that I have never lived in Arizona or even visited the state.
XX/XX/XXXX we took out a HELOC through Wells Fargo Bank. Since XX/XX/XXXX we have tried to go through the BBB, The State of Arizona Attorney General and CFPB ( Case # XXXX ) to obtain assistance in what we believe was predatory lending and an inflated appraisal, which Wells Fargo refuses to produce a copy of. 
Letter sent to Wells Fargo on XX/XX/XXXX : As you could not produce the requested appraisal documentation, we have taken the time to research values XX/XX/XXXX. Here is what we have found : XX/XX/XXXX- Time of Purchase : $ XXXX/sq.ft.-Value {$130000.00} ( based on XXXX sq.ft. ) XX/XX/XXXX-Time of HELOC : $ XXXX/sq.ft.-Value {$410000.00} +33 % ( height of the boom ) XX/XX/XXXX-XX/XX/XXXX : $ XXXX/sq.ft.-Value {$370000.00} XX/XX/XXXX-Wells Fargo Valuation : $ XXXX/sq/ft-Value {$600000.00} In response to the only information you can provide : The original estimated value you provided was {$550000.00} o We are not realtors, mortgage brokers or appraisers, at the time, if we were to sell, that number would have been our desired price. 
Our valuation was an interior Broker 's Price Opinion review o The appraisal was a drive-by Broker 's Price Opinion ( BPO ), not an interior BPO. 
The first lien account principal balance at the time was {$310000.00}. 
o That loan was a refinance from XX/XX/XXXX at 70 % LTV which would have made the value of the home {$440000.00}. An increase of 31 % in eight years is understandable based on the market of the time. At {$600000.00} that is an increase of 77 % of purchase price in less than 10 years. 
Since the height and fall of the Real Estate Bubble, laws have been changed regarding appraisals : 1. Recognizing how the pressure cooker property valuation process contributed to busting the housing boom and is perhaps prolonging the bust, the Feds set up the code to relieve pressure on appraisers in order to make appraisals more reliable 2. Once the appraisal is completed, the lender will have to send the borrower a copy of the report. This should take place at least three days before closing. Prior to the change, it was up to the borrower to request within thirty days of closing. 
3. Law change XX/XX/XXXX re appraisals due to the housing boom " What happens is, a consumer goes to the bank, the bank collects {$400.00} for the appraisal, but pays the ( appraisal management company selected ) appraiser {$150.00} to do the appraisal and keeps the difference. Good senior appraisers ca n't afford to work for half price, but the consumer thinks they are getting a good appraisal. They have no idea the appraiser is getting half ( the payment ) and is a less-experienced XXXX. Yes there 's a transparency issue, but it 's also a quality issue, '' XXXX said. Read more : XXXX Once again, it is with certainty that we feel the value of our home was inflated by the appraiser and/or Wells Fargo XXXX It is also our opinion that as a Stated Income Stated Assets ( SISA ) Loan, the investigation by Wells Fargo fell far below the standard of care and the comprehensive due diligence required. 

At this time we request to be released of this debt and that the charge off be removed from our Credit Reports.
XXXX has been non-compliant with removing the unverified account CHASE CARD which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that CHASE CARD was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
My family and friends have been contacted by these people over and over again and are not only saying that I am going to be served/ arrested But that my family members and friends are also in trouble and that THEIR credit is also at stake and may be ruined. They have even contacted my ex-husband and told him that I owe for a bill and that he will be in trouble on a Federal level if I am not found immediatley. My Ex and I were married in the XX/XX/XXXX and have been divorced for over XXXX years. Just today they called my brother in law and threatened him on a " Federal Level '' and that HIS credit will be affected in a very negative way. He asked that they not call him anymore. He has had several calls from them in the past, but today 's call got especially ugly. The number that called him today was XXXX. I spoke to the company over a year and a half ago and explained to them that I felt I had resolved this issue with them by paying back what I had origanlly borrowed before they decided to tack on all kinds of fees and so called court costs. I also explained that I was not working at the time and still am not because I have XXXX.I am or have not been hiding out from these people. They have also called my work several times and told my boss my business or at least their illusion of what my business is. They also told her that I will be served at work. I never have been still to this day. If they are going to serve me or arrest me then why have they not done this yet?? They have humiliated me in front of my boss and my co-workers by constantly calling while we were trying to run a business. They have also called my daughter who has been out of the house, married and on her own for the last XXXX years and has gotten her terribly upset. It is humiliating trying to explain to my family, friends, boss and co workers that I have n't done anything wrong and do not believe that I will be arrested.I have never recieved anything by mail from them and no one has ever shown up at work when I was employed. Like I said I have never been hiding out, why do they keep calling and harrasing people that I know or have known in the past?? Like I said before I have a lot on my plate right now with the XXXX and all and going through treatment and DO NOT need this added extra stress in what I have left of my life.
Nationstar did a mortgage modification with me 4yrs ago. Now I am trying to remortgage with another bank and they said there is a remortgage on my credit report. I did n't remortgage I did a loan modification. My issue is I have been asking Nationstar since XXXX XXXX, XXXX for a copy of this modification and they have yet to give me a copy of it for the new bank. I have been given numerous excuses as to the reason why they ca n't give it to us. They stated that whom ever did the original modification did n't scan it into the system and that 's why no one could find it. And now it 's going to take 60 days for them to try and locate it. In the meantime I now lose the loan I was trying to get along with the {$500.00} I had to lay out of my pocket for it. 
I told them I find it simply amazing how they can find the " mortgage loan '' that we original did with them in XXXX but yet they could n't find the documents of the " modification '' we did with them ( as they stated " on paper only '' ) only 4 yrs ago!
STELLAR RECOVERY INC ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you STELLAR RECOVERY INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : STELLAR RECOVERY INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX
First and foremost I appreciate your undivided attention to my concerns and complaint with Trading Financial Credit. I do agree with borrowing the amount of {$10000.00} with using my daughters vehicle as collateral for the loan. However, Im very appalled by the unforeseen excessive interest we have been charged in the amount of 96 %. The fees are out of contents, control and abnormal, I would like to believe there has been a misprint or oversite. It would be devastating to find out we have been taken advantage of as consumer or customers. Im a XXXX employee and have fulfilled my balance with this company of {$10000.00} plus more. If you can please assist me with an audit and investigation I would appreciate it. Since my wife lost her job in 2015, we continue to experience on going financial hardships, never did I imagine I would be taken advantage after only seeking a loan in the amount of {$10000.00} and fulfilled by paying back {$13000.00}. Just to be notified that I still owe almost {$10000.00} worth of interest. As I was desperate to make ends meet in our household of XXXX, I use my daughters car for a Title loan and she is not very happy about the remaining balance. 
Attachments XXXX ( XXXX MB )
Transunion is reporting a public judgment on my pristine credit report.     This is misinformation. This small claims action was filed by a company that had no legal authority to do so. Is n ot manager or  owner of property as falsely stated on petition.   XXXX  I am in the process of challenging the procedure.   XXXX  I was under the assumption that this public record would not be a facet of a consumer credit file as of  XXXX   XXXX ,  2017 .   XXXX  However, Transunion continues to report this inaccuracy ' I have notified the company previously without resolution.
My issue is related to the cre ditor Bayview Financial.    I have notifi ed Bayview Financial in writin g and also by disputing on my credit report a claim that is not accurate. I have n't ever had a mortgage as reported by bayview financial.   I 've disputed this with them over the phone with minimal results. I 've asked for a copy of the contract bearing my signature or any documention proving my knowledge of account without any results. I 've asked for verification of the alleged debt and  Bayview Financial ha s n't provided me with anything. Please help!
I got this threatening call out of the blue from a phantom collections company ( identified themselves as " LMS '' ) that said I would be " served up court documents if I didn't pay off a nonexistent debt '' ... number in question was : XXXX ( XXXX ) XXXX called them bask asking for further clarification as to why they were calling and they said they needed to " verify my information so I could be served up the necessary court documents '' I replied I am not going to provide that information to you over the phone and then they retorted " we will see you in court then '' and they hung up. 

I am 99.9 % sure this is a complete scam and I want to warn others so they don't get scammed by these people