WillisBack/dataset-financial-user-claim huggingface dataset:
RE : XXXX XXXX XXXX XXXX Client XXXX XXXX AND XXXX XXXX My Buyer/Your Client was purchasing a Waterfront Condominium and choose to take out his Mortgage with Wells Fargo. I the RE Agent accepted the PRE APPROVAL and submitted all the necessary Purchase Agreement and Doc 's ( dated XX/XX/XXXX) to XXXX XXXX at Wells Fargo and spoke to him while doing so on the phone at length about their process about my Buyer and Seller ( In Florida ). The Buyer received a Letter onXX/XX/XXXX, that his condo was in a Special Flood Plain. I had a Seller that owes nothing on his Waterfront Condo and a Buyer that had a very substantial down payment. My Seller was buying a Cash Condo with his proceeds and had one to purchase immediately. XXXX assured me that they could close early if everything in place. So we immediately got the inspection which went perfect and Wells Fargo ordered the Appraisal and that was completedXX/XX/XXXX and it appraised a little above the value. We had a LOMA in the process which the Buyer submitted to Wells Fargo. It takes about 60 days to get the elevation cert back and there is no way of expediting, so then had an elevation done and flood insurance ready to be put in place. Now there are 17 Condos in this complex with 11 Units that had their certifications in place. ( My Seller paid Cash ). I have been on top of this file since day one. 

XX/XX/XXXX, Wells Fargo knew this was in a flood plain and clearly dropped the ball on this by NOT ADDRESSING THIS ISSUE AND THEIR REGULATIONS THEN!! Buyer - Had a Loma Application and Elevation with Flood Insurance in Place -STANDARD PROCEDURE. 

ONXX/XX/XXXX ( Friday ), Now Ending of our Contract between Buyers and Sellers we receive the SELLERS STATEMENTS to review to CLOSE. On Monday Afternoon I RECEIVE AND EMAIL that this Loan is NOT LENDABLE.. Totally Unacceptable!!! 

I spent the next many hours, days and weeks holding this together with Hostile Buyers and Sellers which affected 4 deal 's. Finally after going to another LENDER, they find me the Rule Stated BY FEMA that we can close with an individual Policy in which I forwarded to WELLS FARGO and having a Civil Engineer speak to your office it took 68 DAYS to Close this LOAN. 

IT COST EVERYONE ( Realtors, Buyer, and Seller ) so much money for WELLS FARGO LACK OF CONCERN and PROFESSIONALS. I am requesting that money is paid back to everyone involved, to help relieve the undue stress in which they have been subjected to. 

I do not feel that WELL FARGO by making excuses for their timeline should be allowed to just walkway. They NEED TO BE ACCOUNTABLE AS A LENDING INSTITUTION and have key people and procedures in place to close a LOAN they Clearly Accepted. I have pages of emails to prove their Unprofessional and Uncaring Employees along with my Client and Myself that did NOT received call backs and/or emails and always being told that they were in a meeting, to address our Extensive Frustrating Situation that they CREATED!!!!
started months ago on XXXX and they call XXXX to XXXX times a day 7 days a week leave no message or information. any time of day also
Southwest Credit Systems is falsely reporting a collection on my credit report. They have refused to provide proof of a legibly contract with my signature and correct identification. This is a direct violation of my FCRA and FDCPA laws. They are not authorized or bonded to practice collection practices in the state of Illinois. They are illegally trying to collect a debt that does not belong to me.

I never asked for a printout copy of a bill. I never asked for billing statements. They are unable to provide an original contract with my direct signature agreeing to finance terms Direct with Southwest Credit Systems L.P. only!
On XX/XX/2019 I requested for a money transfer from my checking account to be sent to XXXX. Money was taken out of my account on XX/XX/2019. On XX/XX/2019 I received a confirmation from Money Gram stating that my transfer was sent. I was notified by the receiver that the money never got there. I called on XX/XX/2019 and Money Gram said that their system is down and to call back in 24-48 hours. I called again on XX/XX/2019, I was on the phone with Money Gram for over an hour, talked to 7 different people, and no one could fix the problem. I asked for a refund, they said maybe 4 days maybe 11 maybe 30. No one knew what to say, no one helped, they gave me no answers, and would let me submit a claim.
I got a call from XXXX. Saying they had to verify my address because some " legal documentation was being sent '' I did some research about this number, and I believe its a scam.
I 've had so many false debt collectors calling me! Never want to send anything in the mail. Called my phone several times left a message but never stated the persons name they are looking for
On or around XXXX XXXX XXXX I reported to USAA that two of the three cards in my name through them were opened fraudulently that it was in fact not I who applied for them. Also at that time I informed them that the one that I had in fact applied for was also being fraudulently used. That I knew who it was, that it was a person I was previously in an a XXXX XXXX and XXXX relationship with. I kept in contact with USAA and spoke with them several times between the time I made my report in the beginning of XXXX, until the XXXX of XXXX where they informed me that my case was denied and I was deemed liable. Their reasoning being that they could n't see any fraudulent activity do to that all the cards were being used locally and at the same locations, which I told them would make since do to the fact that it was a person I was living with doing it. I offered USAA a copy of the police report which contained the name of the person I was informing them it was, the person I was living with at the time of the fraudulent activity and they did n't find that information to be pertinent. At this point they except me to pay all charges both justified and fraudulent.
XXXX XXXX XXXX with Flagstar Bank requested a notary correction letter via email on XXXX/XXXX/2015. The notary correction letter requested the complainant to attest to the year in which the mortgage was signed. The notary inadvertently omitted the year from the acknowledgment. In a phone call to the notary/attorney 's office, XXXX XXXX threatened to report the notary/attorney, who is also admitted to practice in bankruptcy court, to the bankruptcy court. This conduct is not only unprofessional on the part of XXXX XXXX, but also constitutes harassment and unlawful and/or unethical intimidation on the part of XXXX XXXX, and his employer Flagstar Bank.
central state recovery is trying to collect a medical debt that is not mine-i have filed a the fraud affidavit with the FTC and sent them the paperwork but they still keep reporting it to my equifax report. I call the collection company and they state that they are not removing the account off my credit report. They are stating that they have the right to collect the debt, because it has my name on it. XXXX  and XXXX XXXX have removed the account off my credit, but that was because they forced Central state recovery to be blocked.
Resurgent Capital Services is representing LVNV Funding LLC, or as the " servicer '' of a alleged debt that was supposedly purchased by LVNV Funding , LLC. Resurgent Capital also retained the services of a third party to collect on this fraudulent debt. Resurgent and their third party servicer have been notified in writing that this is not a valid debt. This written notification was sent via USPS certified mail. Resurgent has accessed my credit files and reported a collection on behalf of LVNV Funding LLC . Resurgent claims to be in compliance with the Fair Debt Reporting Act, however they have violated many of the rules, regulations and/or laws associated with the " FDRC. '' Additionally this company has also violated portions of the Fair Debt Collection Practices Act. A representative with this company 's complaint department, XXXX XXXX, has made statements that imply that there are XXXX separate laws, XXXX set which applies to me as a consumer and a different set of laws that apply to him/her and the company s/he represents. This person also claims that I issued a cease and desist, which is a bald faced lie. In fact, what I did say was that all communication would be documented and any/all phones calls would be recorded. I also stated that I would not show the smallest amount of common courtesy or respect to any person associated with this company. I have been subjected to defamation, discrimination, implied threats, etc. According to this XXXX XXXX, s/he conducted an investigation and could find no evidence of any type of mishandling that I had claimed to have occurred. That was of no surprise. The representatives of the company have a proven track record of being less than honest. Also according to this individual, upon the purchase of this alleged debt by LVNV Funding, all rights to the account were transferred with the purchase of this account. Which gives them certain rights pertaining to the collection of the debt. Also according to this individual LVNV Funding has confirmed this account. If all rights were transferred to this company, this company needs to comply with ALL rules, regulations and LAWS. Which again, they have implied that they and their third party servicer can legally circumvent certain laws. I have stated I would gladly meet any one of these people in a court of law. I went as far as to furnish the jurisdiction which would hear this case. It should also be noted that I have in fact used several " foul '' words in my written communication with this company. I am sick and tired of these people threatening or issuing implied threats. I am sick of the defamation and discrimination that I have been subjected to by these individuals and their third party servicer. I am fully aware that this company and LVNV Funding LLC . are subsidiaries of the Sherman Financial Group. This companies operate under numerous names, in an attempt to hide and not have to answer for their fraudulent and illegal activity.
I have a mortgage with XXXX Mortgage. In XXXX XXXX XXXX, I initially applied for a loan modification. I have faithfully submitted the required paystubs, bank statements, tax returns and documentation requested by XXXX since my initial submission. However, XXXX has continuously informed me that my application was complete and then sent me letters stating that documentation such as paystubs and bank statements had expired and that I would have to re-start my modification all over again. 

I believe that XXXX has purposefully kept my request for loss mitigation assistance in abeyance through duplicative and redundant requests for documents which they have already received. This appears to be a pattern and it may not be an isolated incident.
XXXX XXXX, XXXX we, XXXX / XXXX XXXX, received a letter of debt forgiveness for our Home Equity Line of Credit. In which, XXXX, called to verify and proceed forward ( All documents are attached ) We received a the XXXX for XXXX Tax Year for XXXX / XXXX each from Bank of America. 
We are in the closing process of selling the home that is located on XXXX XXXX, XXXX, prior to foreclosure date of XXXX XXXX, XXXX. When the title company for buyer found out that Bank of America has a lien on the house, XXXX has been in contact with Bank of America. Spoke with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. Bank of America is stating that XXXX opt out of the Debt forgiveness, when in fact, she did not. 
By our understanding, the letter we first received XXXX XXXX, XXXX is part of the Dept. of Justice Lawsuit and is considered a zombie debt and can not come back for debt. 
In contacting Bank of America, they are now stating that we owe back interest of the amount of {$11000.00}. There has been no contact from Bank of America since XXXX when we were sent the original letter
Re : PMI Cancelation - Unethical Practices by Mortgage CompanyReport on Practices of Dovenmuehle Mortgage ( DMI ) XXXX, IL XXXXI have been trying to cancel my PMI insurance since XXXX and have been given the run around in a very unethical manner. I initiated the process by calling their helpline representative and received a form to fill ( 2 weeks to receive ). I sent the form back immediately. After 4-6 weeks I received the same blank form, without any further instructions about the next step. We then re-submitted it and same thing happened. The initial form was again sent to me without any actionable notes about the next step. These occurrences make it clear that the practice of DMI is aimed to give the consumer the run around and delay the cancellation process. 
I have spent several hours on the phone with the Company. I asked the technician if the form can be e-mailed or faxed, they said that their system is not capable of it. Note that another employee was able to send the initial form via e-mail, making it the XXXX time, but I still do n't have the appraisal request form. They are claiming that their escrow department that handles the PMI cancelation process does not directly talk to customers or expedite the distribution of any forms. With todays business practices, there is no excuse for not automating the PMI cancelation form process - other then to stall and deter the cancellations. I am writing so the CFPB investigate the Company for the deceitful manners. I have waited approximately 12 weeks and have been paying the PMI. I have never been late on my loan, in fact have made more then the minimum due.
I had a phone debt in XX/XX/XXXX from XXXX XXXX. XXXX called and told me that I had a debt in my name and that I needed to pay it off in a month. The balance was satisfied on XX/XX/XXXX. I called XXXX and they said they have forwarded the debt to Jefferson Capital Systems and now there is a duplicate collection placed on the credit report on XX/XX/XXXX - a year after the fact which is double dinging me and causing the FICO score to be hindered. I have spoke to Jefferson and they provided the same account information as XXXX and XXXX. This is not a valid collection for Jefferson.
The enclosed Assignment of Mortgage that was recorded and filed on XXXX XXXX, 2010, with the City Register of the XXXX to claim legal ownership was robo signed. Robo-signning has been outlawed in the State of New York. The Assignment of Mortgage was robo-signed by know and admitted robo-signers XXXX XXXX, XXXX XXXX and XXXX XXXX. 
I 'm enclosing supporting evidence of fraud showing XXXX XXXX, XXXX XXXX and XXXX XXXX roles as known robo-signers.
a loan application was processed and approved with my name and information in 2013.on my credit report shows i owe a certain amount to a payday loan company which I did not approve of it now has left me with a lower credit score and i am not able to take out any loans if i needed to .also I get calls from debt collectors asking me when will I start making payments. I just want this situation to be cleared out from my credit report and to stop the constant calls from debt collectors.
Equifax refuse to remove the public records in my credit file. I have sent identity theft reports, disputed the information and still no resolution. They know they reinserted these public records into my file. Public record # XXXX that is not even my last name on the document. All of these public records should of been removed. Equifax is just stalling and costing me financial pain in the process.I have already seeked legal advice so therefore If not resolved in this complaint I will sue Equifax for willful noncompliance and {$5000.00} for each item they refuse to remove from my credit file. All these items just suddenly appeared in XXXX 2015 on my report. That is not coincidental its Equifax improper reporting of my credit report. And also all of my tradelines were missing and then all of these negative item just reappeared with my tradelines. I have the archived credit reports to prove what I am talking about too. Attach document for what purpose they already have them in their files.
I was astonished once I obtained my XXXX XXXX and XXXX XXXX reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this took effect, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
I mistakenly submitted 4 transactions to my bank account which were denied after my job delayed an expense reimbursement. Not only did they charge me excessive overdraft and finance fees 14 times ( as of now ) for the 4 charges, they would then attempt to withdraw the charge again, causing overdraft and finance fees to multiply. This occurred with a XXXX credit charge of XXXX, a student loan of {$160.00} on XX/XX/XXXX, XXXX of {$61.00} on XX/XX/XXXX and {$9.00} on XX/XX/XXXX. This is predatory and it caused a downward spiral that I was just able to get out of. Had I not had the resources to climb out, I could have been bankrupted.
I missed a credit card payment on my sears card. A collection call came, and the operator told methat if I scheduled a partial payment and paid the total off on the due date, that the collection calls would stop. On XXXX/XXXX/15, {$100.00} payment was made and a payment for the rest is scheduled to come out on XXXX/XXXX/15, the due date. The operator said that the calls will stop. They stopped for a few days, buthave resumed, incessantly. Today, XXXX, I have had XXXX phone calls from them. I told them to stop calling me since i did everything they told me to to stop the calls. The last operator said they could only push the calls push the calls back until the XXXX of XXXX, and then they would resume. 
that called said they could n't push the calls back any further than the XXXX of XXXX.
XXXX is a mobile app for investing in shares and I am trying to link my Capital One 360 account to the XXXX XXXX app, but Capital One is blocking my external link. 

XXXX is another a mobile app for investing, saving, and sharing. Capital One is giving me the same problem by not linking my bank account and card with XXXX  mobile app. 

I would like get this problem situation as soon as possible. 

Please advise, Thank you!
In XX/XX/XXXX, my mortgage company informed me ( attachment A ) They were changing partners in collecting the payments. In this document they wrote what do you need to do? nothing we take care of everything. So I went on to the next piece of mail. Later I picked it up again and found that I would in fact need to be involved in setting up payment through my bank. So I tried contacting the lender Embrace Home Loans, offering to make small additional payments to my mortgage until the month was paid for. I was willing but the amount they expected was more than I could scrape together. So I was n't able to resolve it that month, the next month they did not take the money that was there even though I set it up to be paid, since I had according to them defaulted on the loan. I sought help and was contacted by XXXX, XXXX was the contact. He hooked me up with XXXX XXXX who had previous experience fighting my lender and claimed not only the lender was practicing Predatory Lending, but that they could reduce my mortgage from $ XXXX- {$340.00}. I paid {$700.00} a month for their help for 5-6 months, and then the suddenly seemed to be trying to work with me. The contact at XXXX XXXX, called me and reported the offer the lender came up with was {$700.00} a month. I can do that, but it was n't what I was offered. Anyway the contact ( XXXX XXXX ), Said If I decide to accept this offer than to sign it and mail it in. I asked what if I do n't accept it? She said then I have to consult my supervisor. She then told me to contact her upon my receipt of the offer. I read the offer and it had my spouse on it, and according to the lender I can not even have this offer without his signature. 
The kicker here is that on XX/XX/XXXX He filled my home with propane and tried to blow us up cause I asked for a divorce. I sent him to prison, and obtained a life long no contact order. I feel since the legal assistance was useless and they are refusing to at least explain what my options are, I feel screwed over. Honestly It is my opinion, the property values are going up the loan amount is $ XXXX But the value is reported to be $ XXXX. There is new industry coming to the area, and I may lose my home just so they can resell for more. 
I 'm sorry if that was over the top. I do want to make clear I am an XXXX, Served with pride ( XXXX XXXX, and XXXX ). I am currently a XXXX for my XXXX adult son, as well as XXXX other XXXX people who are vulnerable. Myself and XXXX renter are Veterans. I work at XXXX XXXX of these people- without state assistance. I need help, I am XXXX and trying to hold onto my home.
I have something on my credit report from National Fitness. I have contacted the number listed by the BBB and by XXXX and the number is not in service ; their website is not a working number anymore, either. I have no way to request Debt Validation from this company and would like this information removed my credit report, due to false pretenses.
On XX/XX/XXXX, I and XXXX friends legally parked at a metered space in the XXXX XXXX XXXX. On XX/XX/XXXX, I received a Notice of Parking Violation from the City. I filed an Appeal on XX/XX/XXXX, and sent accompanying proof of payment of the meter, documentation from friends acknowledging meter was paid, and that the meter service was incorrect and I owe no fine. On XX/XX/XXXX, I received a reply ( dated XX/XX/XXXX ) allowing me until XX/XX/XXXX, to pay the improperly and illegally accessed fine. After contacting elected XXXX XXXX officials, I was advised to contact legal entities regarding this illegally accessed fine. On XX/XX/XXXX, I wrote to the XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX, XXXX XXXX at the XXXX XXXX regarding my appeal of the validity/Finding on Ticket XXXX. I was not afforded the opportunity to file a 2nd appeal as others have been documented and allowed to file. I resubmitted my Appeal anyway and since I do not reside in Illinois, I was not able to appear in person and fight this bogus fine. Again I provided definitive written and photographic proof, including proof of credit card payment of the parking meter fee, but have received no favorable response from the XXXX XXXX  XXXX about this improperly assessed fine. I also mailed a written notice of my grievance against XXXX XXXX XXXX XXXX XXXX XXXX or a contracted legal contractor handling matters on her behalf for this action that violates the judicial code by showing improper review of evidence, improper finding, and the miscarriage of  justice against me in this matter. Now the illegal action of assessing an improper fine has resulted in increased charges and the original fine for not paying the {$8.00} meter fee which I proved beyond any doubt was paid has resulted in me being contacted by US Mail by XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX for a debt that I do not legally owe in the amount of {$150.00}.
There is a collection placed by XXXX XXXX. All of my XXXX XXXX accounts were filed in bankruptcy. I believe this account to be erroneous.
I have alerts set up on my Bank of America checking account to let me know when I have insufficient funds. I never receive these alerts until AFTER Bank of America applies overdraft protection and then charges me for it. I am not given the opportunity to correct my account because it 's not brought to my attention until after the fact.