WillisBack/dataset-financial-user-claim huggingface dataset:
I have a foreclosure date set forXX/XX/XXXX and my modification has been going on sinceXX/XX/XXXX until now. Has gone through 3 servicer 's, started with XXXX for a year, they sold to XXXX XXXX XXXX for 3 months and I have had a lawyer for the last XXXX XXXX. The last servicer, XXXX has had it for 2 years and have been saying I do n't make enough money for a modification, not true the numbers show I make enough. I have written down and dated documentation of conversations and events through out the whole circus with these servicer 's. They say we did n't receive this or resend that, then they say we have everything and transfer it. My lawyer says my options are taking a chance with the judge, paying a XXXX to reinstate or foreclosure. From surfing the internet I have seen many ways to stop this foreclosure, this is how I found you. I just do n't trust my present lawyer anymore because he is not even discussing all my avenues. I just got married 2 years ago and it is really weighing in on my wife and I. I am XXXX XXXX, XXXX XXXX XXXX and maintenance and pretty rooted in here at my home with 2 garages, a lot of equipment and my snow removal route is designed to do a circle around the house. I have a commercial blower on the front of my tractor and just drive it around in a big loop at 15 MPH. I have 5 apartments, 2 buildings same location, and applied for a modification for that property in XXXX and got it so I decided to apply for a mod with my home. XXXX started reporting to the credit bureaus back in XXXX as being late and also said foreclosure initiated, this has dropped my score incredibly. I have equity in my apartments but ca n't use it to reinstate because I ca n't get an equity line because of the late 's on my report, so XXXX has really XXXX my. We desperately need to keep our house and I am willing to fight for it. I pay all my bills on time and just want to pay for the house as well.
I received a collection letter from a law firm representing Discover Bank. They claim I owe {$XXXX}. They demanded that I pay on the debt. The letter was addressed to me by a former name that changed XXXX  years ago, not my current name. I was XXXX in XXXX of 2000. I have a credit card with Discover, but in my current name. I believe my identity was stolen and used to make charges on this account that I know nothing of. Discover had no correspondence with me prior to this letter. The letter did n't even let me know an account number. The law firm is now taking me to court to make me pay these fraudulent charges.
XX/XX/XXXX, I declared bankruptcy and surrendered XXXX rental properties ( XXXX in XXXX and XXXX in XXXX. I was, and am, an XXXX XXXX military XXXX. These rental properties were meant to be a large part of my retirement income. At the time of the bankruptcy, I had great credit and no debt beyond the mortgages, but was forced to declare bankruptcy due to the housing crash and a real estate scam. 

While I was XXXX in XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX, I kept getting notices from my property manager in XXXX to send money to repair things. Once I returned to the states, I flew to XXXX and found out that I had been part of a real estate scam. My properties had been gutted bringing their value down to {$10000.00} and the real estate ring was charged with mortgage fraud. This left me with no alternative but to file bankruptcy to surrender the properties. I filed XX/XX/XXXX before XXXX in XXXX and my bankruptcy was discharged in XXXX XXXX, XXXX. The XXXX properties, at this time, were in good shape and rented for more than the cost of the mortgage and other related fees. Although the mortgages on these properties were less than the sales value, they were profitable. I surrendered the profitable XXXX properties as part of my estate and had the renters move out. 

The XXXX XXXX properties have since foreclosed, but the XXXX XXXX properties have yet to foreclose after five years and I have just been served with {$17000.00} in fines by the HOAs. I was served with these papers while currently XXXX in XXXX, and have had extreme difficulty in reaching the banks to try to resolve this issue. My wife, who is in the states and has my power of attorney, has also been unable to reach the banks to resolve this issue. These properties have not foreclosed even after papers being filed with the courts in XX/XX/XXXX and XX/XX/XXXX. 

If I had known that the banks would not foreclose for over XXXX years, I could have kept my renters in the properties and paid all fees associated with the houses over all of these years. Instead, in good faith, I surrendered the properties and did not feel I had the right to rent them out. These properties have now sat empty for XXXX years rendering them less likely to rent or sell and have been accumulating HOA fees and fines.
Experian put a fraud notice on my credit report Ive tried for over 1 month to get it deleted! 
Experian make it so difficult to delete this unwanted message. The website never work when it comes to uploading documents! 
This unfair practice is put in place to force their brand and services on you! I deleted the fraud notice with the other 2 credit reporting agencies with no problem! Experian has cause me unnecessary problems with this unwanted reporting! Is there a way to launch a class act lawsuit? Im sure you get this complaint a lot!
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in complian ce with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.   To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.   It  is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of t he FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney Generals office. The items that appear on my credit report as :  1.  XXXX   XXXX   XXXX   #  XXXX  2.  XXXX   # 1  XXXX   3.  XXXX   XXXX   XXXX   # 1 XXXX , #  XXXX ****, #  XXXX These account are a violation of HIPPA Act. Never done business with   XXXX   XXXX  . please pro duce a copy of my signature or contract or delete account error.    4.  XXXX   XXXX   XXXX   # 1 XXXX These account are a violation of HIPPA Act. Never done business with   XXXX   XXXX  . please produce a copy of my signature or contract or delete account error.     5.  XXXX   XXXX   #  XXXX this account has no contract error please delete nev er done business with this company.
In XXXX 2016, I applied for Citigold account using a targeted promotional code ( XXXX ) that offers XXXX XXXX XXXX miles after completing all requirements. After completing all the requirements and told to wait at least 5 months by a representative at a local branch in XXXX, CA, I am now being told that I did not qualify for the promotional offer. If I had been told that I would not qualify for the promotional offer initially, I would never have applied for the account in the first place. At this point, Citibank has already charged me {$60.00} in fees to my account as I waited for the promotional miles to be placed on my account until I recently followed up and was told that I did not qualify for the offer.
Navient continually calls and sends mail harassing me despite the fact that I have advised them in writing and via telephone that I am represented by an attorney. I am a XXXX individual and wish for the harassment to cease. They have repeatedly argued with me and badgered me via telephone despite the fact that I have told them I am unemployed and can not pay. I attempted to make payments several times and despite the fact that they said they would not, they still turned by account over for collection.
To : Consumer Financial Protection Bureau From : An Illinois Homeowner, a XXXX citizen and a Veteran Date : XXXX XXXX, XXXX RE : Wells Fargo Home Mortgage We have been battling with Wells Fargo Home Mortgage since XXXX, XXXX, when they violated RESPA laws by increasing our escrow requirement by more the lawful amount, thereby increasing our mortgage by {$800.00}. 
Though Wells Fargo has made settlements with various government housing agencies, they are still violating laws and rights of some homeowners. Although they are the servicer for our XXXX XXXX owned mortgage, we have not had the benefit of having a loan modification properly evaluated, nor have we ever received an explanation for denial of the two application we submitted. Though XXXX XXXX made changes to some of their requirements for servicers last year, we still have not had the benefit of Wells Fargo 's compliance. 
We filed Chapter XXXX Bankruptcy in XXXX of XXXX which was discharged earlier this month. We submitted the HAMP application on XXXX XXXX, XXXX, and per instruction received from Wells Fargo on XXXX XXXX, we began the work of submitting the Uniform Borrower 's Assistance Form, along with required attachments. We were told we would receive an answer in XXXX hours after all documents were received, however there was no date by which we must have everything in. All items were submitted on XXXX XXXX, however it was n't until we called Wells Fargo on XXXX XXXX, XXXX, that we learned the documents would not be processed because of a pending sale date. This sale date of XXXX XXXX was in placed on XXXX XXXX when we received the first call about receipt of documents submitted XXXX XXXX. 
XXXX XXXX requires our documents be processed because of the Chapter XXXX Bankruptcy we filed. We understand the servicer is not required to solicit an application from us, but are required to process the application once we submit it. Once again, they are refusing to abide by regulations. Since our Chapter XXXX has been discharged, our financial situation is much improved, and we are able afford our mortgage payment. 
It is our hope that you will forward this correspondence to all related agencies that have an interest in seeing that mortgage servicers are in compliance with the law, and in a position to hold Wells Fargo and other like services accountable. 
With appreciation,
I RECEIVED A LETTER FROM COAST PROFESSIONAL INC STATING THAT THEY ARE GOING TO GARNISH MY WAGES FOR MY STUDENT LOAN DEBT. I HAVE NOT RECEIVED ANYTHING FROM THIS COMPANY BEFORE AND THEY ARE NOT WILLING TO TAKE A PAYMENT PLAN FROM ME. AND NOW I HAVE 2 WEEKS BEFORE THEY GARNISH ME.

IF THIS HAPPENS THAT WOULD PUT ME OUT IN THE STREET I WOULD LOSE MY HOSE BUT THEY DONT SEEM TO CARE.
I was contacted via text message saying I was approved for a loan $ XXXX {$10000.00}. I was given a number to call to discuss the details of my loan. He asked me that standard questions a loan officer would. He then was telling me about some insurance that I would need to take out on my loan and that it was for my protection. If I could n't make a payment then this insurance would make it for me. He then asked if I had a XXXX near by and that I would have to money gram him the payment for the insurance but he insured me that I would get my money back.
I cosigned a private student loan for my grandson in XXXX for him to go to college. My grandson unfortunately dropped out and disappeared and I was stuck with the loan. Navient now services the loan, originally with XXXX XXXX and they have harassed me to a point where I have to take XXXX. I made my best efforts to pay until very recently I decided I could n't. Since XXXX I have applied for forebearances and/or made monthly payments. I live on fixed income, social security and a very small pension monthly. I can barely meet my necessities and have a documented budget showing my money flow. I originally was paying $ XXXX until XXXX XXXX they increased my payments to {$240.00}. I have paid this diligently until XXXX when my medical expenses have gone up and I can not afford this payment. I tried to negotiate with Navient to lower the payment but they refused. Then I gave them my to the XXXX budget on my fixed income, they told me things like, " Eat less {$200.00} for groceries is too much for a person '' ( mind you I am a senior ), they also told me, " get rid of your dog it 's too expensive '', additionally that haircuts are luxuries and most recently that they would GARNISH or TAKE my social security check. I have seen a financial counselor who assured me this is a private loan and they can not garnish my social security but Navient 's threats to me had me shaken and seriously nervous. I have since decided to stop paying the loan and sent them a cease and desist letter. Navient was robo calling me 6-8 times a day and I have it documents before the letter. The financial counselor called them with me and advised them not to call me until they received the Cease and Desist Letter. They did stop for a week. I sent the letter with a return receipt and got confirmation that Navient has received the letter. Amazingly, Navient started calling a week later, when I stated I sent a Cease and desist letter they denied they ever got it. I have my return receipt stamped by Navient stating they received it. They told me I had to email it over but I do not have email. Thankfully my financial advisor emailed it over from her email. Her contact is XXXX XXXX, from XXXX, a non-profit that is contracted by the XXXX XXXX.
Noticed collection on XXXX credit bureaus from XXXX XXXX for XXXX. 
I wrote a letter for validation and collection company sent me copies of billing statements. The address on the billing statement was not the address I lived at during the time of debt. I sent copy of my lease for the time period and company wrote back stating the collections would be closed and removed. they have not closed or removed the collections fro credit bureaus
Checked my credit report on XX/XX/XXXX and Navient was reporting on a student loan Ive never had with them. They recently started to report on my loans who were with XXXX and now XXXX yet they have hit my credit horrible and my student loans are from XXXX they could not have been my services ever and I want this information removed. 
I have a credit attorney working on this and they have never been able to provide documentation and kept reporting till XXXX
I recently complained to you about XXXX billing me for charges unknown to me. I asked them to send me a detailed statement on what the charges were for with date of service, what my insurance paid and a copy of the signed contract for the date of service. They never responded to this request and instead sent me to XXXX XXXX collection agency. I contacted you regarding this matter and thankfully things were cleared up and the collection agency closed my account. Well I got a letter from a different collection agency that XXXX XXXX is trying to collect on. They are also trying to bill me a separate {$75.00} late fee. I have no idea why they keep doing this to me. I always payed the dental office what they said my portion was. They wo n't even work on you until they verify insurance coverage ad you sign a contract on what you owe. There were times I waited almost 2 hours in the chair because of their billing methods. I am angered and outraged that company is so disorganized and wo n't leave me alone. I do n't owe them ANYTHING yet they say I do but will not submit the proof I have been asking for.
loan modification I just received on Friday XXXX XXXX a summons and a unlawful retainer. There was no information from the bank regarding property of sale nor approval or denial of a loan modification. The bank did not reply to my request for a complete audit of the loan account. Also if the property was sold why wasnt I notified prior.
Receiving a Wells Fargo promotional mail in XXXX XXXX NO FEE NO INTEREST for a year, borrowed {$19000.00} on XXXX XXXX, XXXX ( has paid off the entire principle amount XXXX, XXXX 3months before the end of my promotion ). No issues till XXXX XXXX. No interest Charges etc.. Come XXXX I call Wells Fargo notify them of Address change as we moved. Despite four calls address is not changed. Mail is delivered to old address only to finally reflect the change in XXXX XXXX, XXXX. Come XXXX I see late fee and Interest charges. I call. Late fee waived XXXX Card # XXXX even though the same fee was waived by XXXX XXXX REF # XXXX, and the Interest charges was submitted for further RESEARCH # XXXX on XXXX XXXX, XXXX as to why charges are levied. No response from Wells Fargo till. Wells Fargo sends my account for collection despite raising dispute claiming the promotion started from the date it was started ( XXXX XXXX ) and not from the day of borrowing, that I was never informed, told about such a stipulation. Upon countering that If I were to borrow in the month of XXXX XXXX if my XXXX year would end even before it began and the representative answered as yes. It is deceptive practice by Wells Fargo Bank upon its unsuspecting customers that goes against business ethics, morals and humanity. 
Response in WRITING only will be appreciated. 
According to me I do not owe any charges levied by the Wells Fargo and its deceptive practice be stopped and the consumers be protected who are powerless against these giants without the mediation of your esteemed office. 
Thank you in advance
On  XX/XX/2017    I made a withdrawal for {$300.00} from the  Wells Fargo  ATM,   XXXX   XXXX  ,   XXXX  . Instead of dispensing {$20.00} bills it dispensed {$5.00} bills. They ran an investigation and said that the machine showed no error. How do I proceed to recover the {$220.00} that I 'm owed.
In XX/XX/XXXX, I was not able to make a payment due to being placed on FMLA at my job and receiving late pay from my employer. On XX/XX/XXXX the area I presently reside in was hit by hurricane Harvey and I was told by my mortgage company Round Point Mortgage not worry because they could place mortgage payments in suspension for 3 months due to the area I live was declared a disaster area by my state. I was told by Round Point to start making payments again in XX/XX/XXXX. They also stated that I would receive a borrower assistance package in the mail in XX/XX/XXXX. When XX/XX/XXXX came. My mortgage company raised my payment by XXXX dollars and they stated this was due to not having insurance in XX/XX/XXXX. Round Point stated that if I could prove that I had insurance in XX/XX/XXXX they would credit the difference back to my account. I sent in proof from my insurance carrier and was never given a response. I have been paying XXXX dollars more over the past 6 months. So this should mean that I am only 4 months behind. I recently requested to be sent a statement showing the amount I am behind. The statement I received shows that I am five months behind and is not correct. Also it states that none of the payments I have made including a double payment in XX/XX/XXXX have been credited to my escrow account also it states that after I pay the amount requested my payment will still be XXXX dollars which is also incorrect this legalized robbery. I also want to mention that at no time during this period did XXXX XXXX XXXX XXXX ever state that late charges would be placed on my account and they also have been charging late fees.
Once I made an offer on a house and started the home buying process on or about XXXX XXXX 2015, with a projected closing date of XXXX XXXX 2015, it has been a steady dose of the highest level of incompetence from a major corporation that is Wells Fargo. Granted the house is a manufactured home, and I am a first time home buyer using my VA home loan benefit. We did n't make the XXXX XXXX date as the bank found a typo on the title paperwork and without notice, extended the closing date out until the XXXX of XXXX. I was n't notified and found out later from my realtor, who got the typo fixed in just a few days. As the XXXX approached, the bank came up with some other excuse and it was again delayed, with no future date established. 
Wells Fargo throughout this process has requested documents which have been provided in a timely matter. One example is the water test submitted on XXXX XXXX, on XXXX XXXX we are told by the bank that it must be retaken. At some point in XXXX, Wells Fargo mentioned that they would need to have an engineer inspect an addition built on the home, and that they would take care of that. Yesterday, XXXX XXXX we are told that the inspection still needs to be performed. 
These are only XXXX examples of how weeks after the original closing date had come and gone, and being told several times that we are just waiting on this form, only to have them request something more. They continue to blame the VA for having strict requirements, which I know is a fact. However, once several weeks, or even literally MONTHS into the process, the VA did n't invent new requirements. 
Once the original closing of XXXX XXXX was blown by Wells Fargo, I see no reason why they were unable to look at the entire package, and determine what was still missing. 
More than 2 months after starting this, I was asked to provide documentation on asmall monthly deposit into a checking account that had been there from day one. Why after 2 months are they only now asking for it? 
These are only a couple of examples of how this has continued from day XXXX. Another example is documentation on what I pay ion child support. I submitted requested documents on XXXX XXXX, and on the XXXX of XXXX, the bank tells me it 's not enough, and they are now asking for more information after more than a month has passed, and XXXX closing dated have come and gone. 
At this point I have no reason to believe that I will close on this even after 3 months have passed. 
I was pre-approved, have excellent credit, VA qualified, bank with Wells Fargo, permant employment, have a down payment and have been told multiple times throughout this process that we are real close, only to have the finish line moved out again and again.
For the last 4 months I have been asking XXXX  and Transunion to verify accounts that were placed on my credit along with names and invalid SSN number s however they only update the accounts without sending me proof of how the accounts were verified. When I spoke with XXXX  on the phone they refused to listen to me and stated that I can no longer dispute the accounts because they were verified but when asked how they become agitated. On XX/XX/2018, I contacted Transunion and the supervisor of the fraud department became argumentative and hung up in my face. According to the FRCA if the accounts can not be verified they have to removed and this process has been going on for 4 months. Thanks, XXXX XXXX.
A new collection was reported on my XXXX account. We contacted the collection company and they do not have any knowledge of this collection and do not have any accounts in there systems. XXXX keeps messing with my credit account and we do not know why this keeps happening.
There is currently an account on my CREDIT REPORT that is in COLLECTION that I have never opened. It is from XXXX XXXX. 

The amount is {$1800.00} as of XX/XX/XXXX. The credit report states that the account was opened onXX/XX/XXXX. This is the first action I am taking against this account that looks to have been fraudulently opened without my consent.