WillisBack/dataset-financial-user-claim huggingface dataset:
Forced Foreclosures-  Wells Fargo Unethical Strategy -FHA Mortgagors Main Tar get  XXXX   XXXX  after losing  XXXX  yrs. full time employment was able to use the remainder of my Illinois  Hardest Fund. When depleted, contacted my lender WF who at  their suggestion began my attempt to Short-Sale my home. Since  XXXX  I have had  XXXX  contracts submitted.  XXXX  of which withdrew because  1. WF  long delays in acceptance/denial periods. Counter bids by buyers went unanswered even though these bids were found to be thousands more than  WF was asking. 2. WF  never spoke to me regarding the 120 day time-frame in which they were to have offered me a Deed-in-lieu option thus eliminating that option for me. 3. Practice Duel-tracking  (  sale dates initiated while valid contracts are being processed )  XXXX . Violation of the  Rosenthal Ac  t ( p retending to process short-sale and verbally agreeing to extend sale dates but then follow up with letters after the fact using language like, " requested sale date be extended '' to keep Mortgagors from taking any precautionary measures i.e, bankruptcy or attorney ) 5. Violation of HUD requirements of offering mortgagor as occupant required  HUD-1  relocation funds nor attempted to visit mortgagor at the home which is less than  XXXX  miles of a Wf site ( FHA-HUD requirements before foreclosure begins  ) 6.  Denied Streamlined Short-sale when  XXXX  of the  XXXX  criteria had been met 7. Made to Begin process over even when offers were consecutiv e ( days apart ) 8.   Breach  of Settlement Statement Agreement  withdrew relocation funds 9.  Breach of Good Faith and Fair Dealing 10. Conspiracy to force Foreclosure of FHA Mortgagors to sale property, collect FHA insurance and attach deficiencies to  Mortgagors   11. Attaching day after sale dates to court orders knowing the practice of short-sale applications not being based on their merits but dening based on sale date. Lucky for me The Judge saw thru this last practice of trying to dupe the judges Status Hearing Orders and vacated sale date Altogether.          WF Loan  #  XXXX   WF Executive Ofc.  complaint tkt #  XXXX  -  XXXX   XXXX , Solution Specialist HUD Acct.  XXXX  HUD  Inquiry Tkt  #  XXXX   XXXX   XXXX   Circuit Court Case   XXXX   XXXX  Short-Sale Law Firm -  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , IL  XXXX   XXXX   XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX   XXXX   XXXX  Thanking you in advance for your consideration to review. I strongly believe that elderly persons are victims of this most   XXXX   strategy.
I bought a house XX/XX/2015 and had my mortgage through LSI. Through out the process so many concerns and problems happened. My first concern was that they sent me XXXX different closing disclosures with XXXX different interest rates and closing cost. We did not close on time bc they were not ready. I had to pay the mortgage of the house I was buying for a month to keep the contract as we didnt close on time. At time of closing apparently the title company did not receive all needed information and they also left out information required in their documents to the title company. Their was personal heartache involved as my mother was literally given 3 weeks to live during this and I was in another city with her ; I flew back on the originally close date to find out when I landed that we could not close that day- they knew the day before and still had me come and I missed 3 days with my mom bc of it! 
So these are my complaints, let me know if you can do anything.
This debt has been paid directly to XXXX since 2012 and they never updated their system and sent this debt RGS financial. I do not owe this amount to XXXX XXXX and want this removed from my credit report.
Dear Sir or Madam, I disputed several negative items, several incorrect names and addresses, inaccurate bankruptcy data all of which are on my credit report and have cost my husband and I XXXX dollars in high insurance premiums and interest rates on loans and my husband is an XXXX Veteran with a VA loan and this inaccurate data is not allowing us to refinance or open a savings account for our child 's education. We have tried to call Experian but ca n't reach anyone, it 's all automated. I filed disputes and provided supporting documentation but the only result they gave me was to remove an inaccurate telephone number. Experian never deleted anything after I proved that certain items were not mine or did not belong to me. Negative information remains and so does the above mentioned items. Nothing has been corrected or deleted.
I have filed several requests with Experian to have them delete Liens which have been withdrawn by the IRS. I have also sent in reporting documentation, including Identification, Insurance Bill, Drivers License and Social Security Card and receiving no assistance from Experian with having incorrect information removed from my credit file. I have also requested a copy of my credit report and attempted to dispute online and each time I attempted to upload the supporting documents based on the report number sent to me recently from Experian - XXXX, I am kicked out of the system an not allowed to go further. I believe this is a discriminatory tactic in attempting to keep derogatory information on my credit file. They are very deceptive in their practices in their attempt to keep consumers laden down with obsolete or erroneous information on their credit file to prevent them from moving forward in life to obtain credit. We are in the process of trying to purchase a home and need to have these liens deleted from my credit report and other obsolete information they are reporting which has been over 7 years still on my file. They have extended their statutory limits which is an attempt to keep people bound. Please help me to resolve my credit reporting issues with Experian.
I WAS CONTACTED BY THIS SAID COMPANY XXXX XXXX XXXX XXXX XXXX XXXX. THEY TOLD ME THEY HAD A BUYER FOR MY TIMESHARE. WELL THAT WAS NOT THE CASE. THEY ONLY WANTED TO STEAL MY MONEY AND NEVER BE HEARD FROM AGAIN. I PAID THEM SEVERAL TIMES ; XX/XX/XXXX XXXX XXXX  XXXX MY VISA DEBIT XX/XX/XXXX XXXX XXXX-XXXX WIRE FROM MY BANK XX/XX/XXXX XXXX XXXX-XXXX WIRE FROM MY BANK XX/XX/XXXX XXXX XXXX-XXXX WIRE FROM MY BANK XX/XX/XXXX XXXX XXXX-XXXX  WIRE FROM MY BANK I ALSO FILED WITH THE ATTORNEY GENERALS OFFICE AND I AM GETTING BACK MONEY FROM XXXX XXXX BUT ITS NOT THE FULL AMOUNT I PAID TO THEM. ATTORNEY GENERAL HAS ME RECIEVING XXXX A MONTH UNTIL I GET BACK XXXX BUT I PAID THEM XXXX ALL TOGETHER. WAS PRAYING THAT MAYBE I COULD GET THE FULL AMOUNT I PAID THEM BACK WITH SOME HELP FROM CFPB. I AM A SENIOR CITIZEN AND I LIVE ON A FIXED INCOME. THIS IS SENIOR CITIZEN ABUSE AND IT JUST ISNT RIGHT THAT THESE SAID COMPANIES ARE ABLE TO TAKE FROM ELDERLY PEOPLE LIKE THIS. PLEASE HELP ME.
Scottrade submitted false information to the IRS and refuses to correct it, that is the short story. 

More information : During the past years when I previously used my former Scottrade account, I noticed a number of problems with Scottrade 's XXXX submissions that they were reporting to the IRS. The problems included incorrect trade dates, improperly formatted items, and most severely incorrect profit/loss calculations. ( Brief research on this topic shows that Scottrade has a number of complaints about late, false, or incorrect XXXX. ) I contacted Scottrade to have these issued resolved and unbelievably, they refuse to respond and claim that because I am no longer a customer, I am no longer eligible for account services. Interestingly enough, the IRS agreed with me, corrected the problems and sent me a balance for the overpaid tax. Shortly after that and shortly after my complaints to Scottrade, Scottrade re-submitted unchanged XXXX forms to the IRS. The IRS then processed those forms and promptly asked for the balance that I had received back.
Repeatedly has called my place of employment. Was told on several different occasions that they were not to call me at work by the managers. Lady told the manager that I owed her over a 1000 Dollas and she needed it paid today. Was very rude and aggressive toy employers and shared embarrassing information.
Home credit still making me responsible for this debt.. I had made a payment arrangement with them and they took my money.. a week later the vechicle was repossessed without even contacting me they are still reporting bad information on my credit report as if I still owed them that amount ... my ex wife had fraudulent put that auto loan in my name.. and because it was on my credit report I had no other choice but to make payments.. I filed a police report that this bad debt shouldve removed of my credit report ...
I HAVE DISPUTED THESE ITEMS TO BE REMOVED BE OFF MY CREDIT REPORT AND IT SEEMS AS IF THEY REFUSE TO REMOVE THE ITEMS OFF MY CREDIT REPORT FROM ALL OF THE 3 OF THE CREDIT BUREAUS AFTER ATTEMPTING TO DISPUTE MULTIPLE TIMES. I HAVE SUPPORTING DOCUMENTS THAT SUPPORT MY CASE.
To Whom It May Concern : I am formally filing a complaint against Monterey Financial Services for XXXX actions that violate my rights as a consumer and fair debt collections practices acts ( FDCPA ). Monterey Financial Services has provided false statements to XXXX and XXXX trying to collect debt by misrepresentation the amount I owe. XXXX has both regular account and a collections account while XXXX only has the regular account. The amounts stated were to be principal and interest but later were told that collections fees were involved. 

Second, Monterey gave false credit information to the credit reporting companies about their collections and amounts paid. How did XXXX come up with a balance owed {$5200.00} on XXXX XXXX, XXXX? That is what XXXX states in my credit report. 

Third, Monterey is charging fees of {$20.00} per month, late fees, interest and other collection fees that I have asked for in writing but Monterey refused to provide. My contract does n't allow for them to collect collections fees, a {$20.00} per month other fee, and interest on top of everything else. This is a breach of contract and therefore Monterey should have to pay for failures. 

I have attached letters written by myself on different occasions to get the necessary explanation for the charges. I have attached a copy of the agreement along with how Monterey applied my payments. I have asked repeatedly for an account analysis and summary. However, Monterey has refused to provide such analysis and understanding of the charges and fees. 

I have paid {$200.00} per month from XXXX XXXX through XXXX XXXX which is not shown to any of the credit bureaus and should be reflected. As of XXXX XXXX I will not be paying anymore payments to Monterey since Monterey has breached their fiduciary duties as mentioned above. I have consulted with an attorney, credit specialist and I performed my own research about Monterey 's practices and behaviors to conduct this thought out letter and analysis. 

Thank you for your time and I look forward to your review and analysis in the next 30 days.
XXXX XXXX XXXX XXXX XXXX have reported collection accounts that are medical bill 's on my credit reports as active collection accounts with a balance due. The accounts were discharged in a chapter XXXX bankruptcy in XXXX XXXX Iowa in XX/XX/XXXX. I have repeatedly sent them copies of the bankruptcy discharge notice from the Federal Courts and they refuse to remove the items from my credit reports. I spoke with XXXX with XXXX XXXX XXXX XXXX in XX/XX/XXXX. XXXX I told XXXX about the accounts and he told me I was correct the balance due on 2 of the accounts were zero and they should not be on my credit report and that they would have the accounts removed. I have had this exact same conversation with XXXX XXXX XXXX accounts on several different occasions yet the collection accounts are still on my credit report. Everytime I contact them I am advised that they update reporting once monthly and they will remove them and it never happens. I have also contacted XXXX on XXXX separate occasions to have this removed from my report and they wont respond to my request at all. XXXX just keeps saying the information I have provided is inaccurate and they are unable to assist me. I've been struggling with this issue for several months. I want the items removed from credit report immediately as they are not active collection accounts, I owe nothing and I'm tired of getting the run around from these two companies. If the items are not removed I will be contacting my attorney to file suit against them both for inaccurate reporting, damages and attempt to continue to collect on debts that have been discharged by the Federal Courts. I would appreciate assistance in getting this matter resolved once and for all.
Bank of America offers a preferred rewards program. They state that you need  a '3-month average  combined balances of {$20000.00} or more in qualifying Bank of America banking accounts  and/or   XXXX   XXXX  and   XXXX   XXXX    investment a ccounts '. and 'We 'll review your program balance at the beginning of each month to see if you 've reached a higher tier. ' both quotes from bankofamerica.com/balancerequiremenents. I deposited the minimum amount for the second tier platinum on  XXXX   XXXX , and to date have not received the benefits of the platinum rewards. I ma de two phon e calls asking to have my account reviewed as on the mobile appliction it states 'Every month we will review yo ur 3-month  average combined balance ... ' and 'It 's calculated based on your average daily balance for  a three  calendar month period. ' No where does it say that a statement must be generated or that it is dependent on the number of days in the month.  A three calen dar month period does not have a foot note stating that it must b e one full ca lendar month. If the deposit occurred on the sixth of a month,  three months later is still a sixth of the month. It will be four  months in  XXXX  and the account I am sure will not be back dated. Our statement closed on  XXXX   XXXX , not the  XXXX  as in  XXXX . To be able to claim  a three m onth time frame with no particular details is extremely deceptive.
My employer had attempted to direct deposit funds {$1200.00} on my account at Regions bank on Friday XX/XX/XXXX and my daughter had attempted to transfer funds {$20.00} to the same Regions account on XX/XX/XXXX. After calling Regions customer service on Saturday morning no one informed me that the account had been closed due to lack of activity. I have gone the last 5 day speaking with at least 7 different representatives at Regions customer service and none of them informed me that the account had been closed and the funds had been rejected and sent back to the perspective payers. I visited a Regions location in XXXX XXXX and spoke to the Branch manager who finally informed me that the account was closed but had multiple documentation that the account was closed and I would have to go into a branch to discuss the situation yet none of the previous individuals that I talked to informed me of that nor did I receive an email, phone call or parcel indicating I needed to do so. Now my employer has to receive the denial of funds from Regions which may take 2-3 additional business days as well as my employer will take 5-7 business after receipt of denial of funds to reissue me another check. This has put me in an absolutely devastating situation where as I and my family may be evicted from iour home, my car repossessed and loss of emplyment because I ca n't get to work. This is of no fault of my own because had I know I would have taken the appropriate steps to prevent this from occurring. Now I am at a point of shear desperation as to where my family and I may have to find a place to live and obtain another means of transportation and possibly employment after only in the last 30 days gaining fulltime employment. I am in need of immediate compensation to prevent me and my family loosing everything and having to start over again.
XXXX XXXX XXXX INSTRUCTED PENDRICK CAPITAL TO CLOSE ANY AND ALL DEBTS ASSOCIATED WITH MY SOCIAL SECURITY NUMBER AS THEY WERE NOT MY BILLS BUT A TYPO BY AN ADMISSIONS CLERK WHEN ADMITTING A PATIENT. MY SOCIAL AND THE PATIENT 'S ARE DIFFERENT BY ONE NUMBER. THE HOSPITAL HAS A COPY OF HER ID WITH HER SOCIAL ON FILE HOWEVER THE TYPO 'D SOCIAL ( MINE ) IS THE NUMBER ASSOCIATED WITH THE DEBT. PENDRICK CAPITAL HAS PURCHASED XXXX OF HER BILLS AND PASSED THEM ON TO OTHER COLLECTION AGENCIES. THEY ARE NOW REFUSING TO DISCUSS THE ACCOUNTS WITH ME EVEN THOUGH IT IS MY SOCIAL SECURITY NUMBER AND AFFECTING MY CREDIT. THEY HAVE BEEN INSTRUCTED TO CLOSE ALL DEBTS WITH MY SOCIAL SECURITY NUMBER. THEY HAVE ONLY CLOSED XXXX OF THE XXXX AND ARE NOW REQUIRING ME TO HAVE THE HOSPITAL CONTACT THEM AGAIN!!! THEY ALSO WILL NOT TELL ME THE NAMES OF THE AGENCIES THEY HAVE PASSED THE DEBTS ON TO SO THAT I CAN CONTACT THEM AND HAVE THE ACCOUNTS CLOSED WITH THEM SO THEY DO NOT REPORT IT TO MY CREDIT.
Experian is reporting incorrect information on my " MEMBERSHIP CREDIT REPORT '' which part of their Credit Tracker Service. On the MEMBERSHIP CREDIT REPORT IT shows my XXXX XXXX XXXX XXXX XXXX accounts as PAID XX/XX/2010 - this is incorrect, I have never been late. When I dispute the item a " FULL DISCLOSURE REPORT '' is presented which shows the XXXX XXXX XXXX XXXX XXXX as " PAID AS AGREED '', this is correct. I want Experian to correct the MEMBERSHIP REPORT and resulting FICO Score.
On or around XX/XX/XXXX I learned that negative report information had been submitted by XXXX XXXX XXXX. Upon receipt of my Chexsystems report in XX/XX/XXXX, I immediately disputed same on the basis that I did not engage in suspected fraudulent activity. I advised that the information was false and that I had no knowledge of any suspected fraud activity, on my part. I requested the negative information be verified, and upon the assumption it could not be, subsequently removed from Chexsystems. I have never owed money to XXXX XXXX XXXX that would have resulted from mishandling of my account. On or around the day the account was closed, I still had funds in the XXXX   XXXX XXXX checking account, which I believe have been returned to me although I can not remember for certain. Despite all of my attempts to contact XXXX XXXX XXXX and have this information removed, I have been unsuccessful. To date, I still have not received any information from the bank verifying the accuracy of this activity and I continue to maintain that any suspected fraudulent activity was not done on my part and I have never knowingly and/or intentionally mishandled an account with this or any other institution. On XX/XX/XXXX, after being denied for another bank account, I received a ChexSystems report indicating that this institution continued to report negative information. I again disputed the information on the basis of its inaccuracy. I again requested any documentation that the bank believed would verify the accuracy of their negative reporting. As of this date I have not received one document. On XX/XX/XXXX I received a third Chexsystems report after continuing to be denied for a bank account, except this time denied at a local credit union. This institution continues to report suspected fraudulent activity despite the fact that it is false and is a clear violation of the FRCA which requires them to accurately report information, and correct and remove any immaculate information. The report itself implies that it has not been verified by indicating that any such fraudulent activity, albeit denied, is merely suspected The FRCA requires this institution to verify, with proper documentation, this informations accuracy within 30 days. Thereafter should this institution be fail to do same, the inaccurate and negative information must be removed. It is now almost 2 years since the date that this was first reported and this institution has not provided one single document to prove or verify the accuracy of this account. The negative reporting information has inhibited me from getting a bank account and I am facing severe financial hardship that is affecting my ability to afford my rent. I did not perform any fraudulent activityrather this institution allowed another individual to open an account with my information and now is holding me accountable for others wrongdoing. I dont know what else to do to get this false and inaccurate information removed from my report. I have been disputing this for almost two years. I am desperately seeking your help as I have exhausted all of my options.
I have a auto loan with Santander Consumer located in XXXX Texas. Each month I sent them two payments which equal to one month payment. One half of my payment is mailed in the first week of the month and the second half of the payment is mailed out by XX/XX/XXXX.My payments are {$320.00} the due date is the XXXX of each month. 
XXXX stated they received first half of my payment on XX/XX/XXXX and therefore I am always late. According to them my second half is always late. 
Today I went on line to check my account again they stated they received only one payment on the XXXX.I asked if that is true, WHY IS MY BALANCE STILL THE SAME AS LAST MONTH? ( FROM WHEN THEY RECEIVED A FULL PAYMENT IN XXXX and XXXX in XXXX? ) XXXX is not being candid with me and they are not recording my payments and balance. I DO N'T KNOW WHAT ON MY CREDIT REPORT. I do know If XXXX keep recording me as late it will reflect my credit.
On XX/XX/2018 my wife tried to verify information for a credit card application with USBank. During the phone call the USBank rep decided to decline the application because my wife and I had opened 3 other accounts over the past 2-3 months.

About 2 hours after the above conversation took place, we tried to use our USBank credit cards and found them to be invalid. USBank not only declined the application, they also closed the accounts of the three other cards.

In phone calls made today I find they now classify us as " a risk to the bank. '' If opening three cards with this bank makes us a risk to the bank, Why did they let us open 3 cards?

In closing the accounts, they have closed our access to bonus points we earned for air travel. I want access to the points and I want my annual fees refunded.
This XXXX  XXXX XXXX mortgage account # XXXX has been paid and transferred to another lender. Experian CRA is still showing the account as " Open ''.
Ive applied for credit card to build my credit my credit score was in the low 400 well since I got approved for the credit card my credit score with Equifax went to XXXX ok I applied for a loan with XXXX XXXX for a XXXX  in the amount of {$890.00} they denied me because my credit score is coming up in the low 400 and my score isnt right if they saw that I wan na no why Equifax sent them that score when I have disclosures where my new credit score as ofXX/XX/19 is XXXX  I  would like this matter taking care of cause my loan for a XXXX by XXXX  wasnt approved because of a low credit score was sent back to them had the new credit score been sent I would have been approved could u pls get this matter taken care of its weong to give a loan company that files for your credit score a false credit score and get denied for the wrong credit credentials thanks
Under the Fair Credit Reporting Act, Experian must remove XXXX late pay status on my credit report as it has exceed 7+ years. Those are XXXX XXXX - 60 Day Late for XXXX XXXX account number ending # XXXX for XXXX XXXX ; XXXX XXXX Dept Store/XXXX XXXX - XXXX late for XXXX XXXX account # XXXX ; XXXX XXXX Bank - 30 Day late for XXXX XXXX account # *******************. My street address is XXXX XXXX XXXX, XXXX Ohio XXXX with SS # *********** and phone XXXX. I have repeatedly send correspondence over the past two year to both creditors and Experian who continues to ignore, send frivolous responses or works in collusion with each other to keep these deliquent status on my credit report -- I want them removed by law.