WillisBack/dataset-financial-user-claim huggingface dataset:
Wells Fargo foreclosed on our home in XXXX. We tried extensively to work with the bank to modify the loan and avoid foreclosure. We sent the paperwork we were told to send more than 20 times only to be told over and over again that they didnt receive it or it was lost. Finally, we were told we qualified for a HAMP modification and then denied after we submitted more paperwork. We were worn down to the point of being unable to fight anymore. Looking back, we had rights and they were taken from us by the bank just running us ragged. We purchased the home in XXXX for {$350000.00}. Wells Fargo auctioned it off for only {$180000.00}. A price well under what we could have afforded to stay in the home. Since then, we have undergone a landslide of financial after effects from the foreclosure. Wells Fargo was not honest and should provide restitution for their dishonesty and mistakes in dealing with our home foreclosure process. We have been unable to own a home since XXXX because of Wells Fargo not following proper protocol.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
I graduated from XXXX XXXX University in XXXX, consolidated my loans in XXXX with a very low interest rate of less than 3 %. Immediately after graduation, I started work at XXXX XXXX XXXX, a non-for -profit organization. In XX/XX/XXXXI got a letter from Navient stating that my loan was frozen for 50 years. I neither asked for forgiveness, nor struggled to pay my loan. Navient mislead me, and as a result, I paid for my children education out of pocket, falsely hoping that my loans are frozen forever. In XX/XX/XXXX I started getting calls demanding payments and threatening to ruin my credit history. From XXXX XXXX I learned that I 'm responsible for {$39000.00} loan, plus my son 's student loan of {$5400.00}, for which I was a co-sighner. I contacted Navient on XXXX, demanding to be transparent and provide me a letter of explanation. Why my loan was frozen in XX/XX/XXXXand what is going on now? No one had a response. They tried to convinced me that I was in school but I worked full time at XXXX XXXX XXXX. I was told by the Navient manager,  that if I agree to start repaying my loan, they will do investigation and provide me a letter of my loan ' history. She squeezed " yes '' out of me and e-mailed me a note " XXXX XXXX, your request for forbearance has been approved. Your payments will resume on XX/XX/XXXX. '' I still did not get an official letter. I contacted Navient on XX/XX/XXXX. Spoke with a representative XXXX, ID XXXX and was told that my request to provide a letter was cancelled, because it was sent to wrong department. " I feel racketeered. I asked for how many years I have to pay my loan and was told -for XXXX because my loan was initially consolidated. I tried to find information online, but under my SS I can only access my son 's information. I demanded transparency and told them on multiple occasions that they have to provide me all information in a written form.
In XX/XX/XXXX, my 2 year contract was finished with XXXX. I chose not to renew my contract and was told to return XXXX XXXX XXXX, since the phone was still on a lease. I was advised to call XXXX and get directions on sending back the phone. When I called XXXX I was told that I need to go into a XXXX store to return device. I went back to XXXX store in XXXX XXXX, Ohio one week later to return phone. I was told again that the store rep can not take the device it must be sent via post mail to XXXX. I was then given the same number to call and get directions to send back phone. When calling into XXXX for the second time a few days after my visit the store I was told a second time to drop phone in XXXX store. My girlfriend then called XXXX store and was told we were not able to drop phone off at store, she then called XXXX customer service and was able to get box/directions to send back phone. While in contact with XXXX regarding returning the device no one communicated with us I had an outstanding bill of {$170.00}. 
While checking my official credit report last year I was made aware of a collection of {$170.00} with a company AFNI. I called AFNI regarding this debt and spoke with male CSR and was told debt was for the device. I explained phone was sent back to the company but it was sent back 2 months after contract ended to being misinformed by both the store as well as customer service. He advised debt will not be removed until payment is made in full. I called AFNI 3 months later regarding debt. I spoke with female CSR and she explained to me that debt of {$170.00} was for the last phone bill. After speaking with my mortgage lender he advised me get a letter stating if balance was paid the debt will be removed completely from my credit. I called AFNI back the following day and spoke with male representative. The CSR confirmed with me that once the balance was paid he would send letter reflecting debt will be taken off account. On XX/XX/XXXX, XXXX XXXX and XXXX dollars was paid to AFNI. The following day I received letter stating the account has been paid and a notification would be sent to the credit agencies reflecting the current status. I called the same day to AFNI, to discuss letter. The letter does not state the debt will be removed from account as promised. I was told regardless if I paid the balance the debt would stay on my account for up to 7 years. 
I truly believe that the debt does not reflect my creditworthiness and the debts have been repaid. We are planning to apply for a mortgage loan and unable to do so with this debt on my credit report. We spoke with multiple XXXX representatives and no one brought the past due bill to my attention and did not try to collect balance from me before it was sent to the debt agency AFNI. The AFNI representative was deceiving and did not tell the truth regarding the debt after the balance was paid. It would help me immensely if the debt can be removed from all the credit agencies and the account was put in satisfactory standing.
Early Warning Services is reporting inaccurate information due to the OPM Breach in XX/XX/2015. I have submitted the documentation to the agency. XXXX XXXX  XXXX
My husband opened up 2 accounts with netcredit.com {$18000.00} and {$10000.00} because he needed money to pay bills and was n't communicating with me. We have since started XXXX XXXX XXXX XXXX and I have taken over the finances. We are not able to pay either of these loans back because they are at a 40 % interest rate. The payments were coming out of our checking account automatically and when I tried to get netcredit to change it for one of the loans, they asked for statement information on the other account that I was going to have the payment come out of. As that conversation went on I was told the interest rate and that there was no changing it. This company opened up two accounts for my husband without adequate identification since he was able to open one of the accounts with my information.
I want to report the following mortgage investor and collection agency companies for unwilling to negotiate 2nd lien that was filed in a bankruptcy in XX/XX/2009 and they have bought this paper and forecing me to pay them by putting my home in foreclosure. my home is still underwater and currently is not behind on the 1st lien mortgage due to a loan modification completed in bk under the HARP program ; The two companies are the following : " XXXX XXXX XXXX XXXX '' and " Madison Mortgage '' I filed BK XXXX in XX/XX/2009 and during that period the 2nd lien was with " XXXX  ''. XXXX during the BK process was showing on credit report as the debt being charged off. For this reason this debt was not " reaffirmed '' for the option to do a loan modification. Also due to the home severely under water. Since then this loan was sold to several investors and the latest investor ; XXXX XXXX XXXX '' has bought loan and started to send out demand letters for me to pay them. Since the Lien is still tied to the property and never was Stripped my BK Attorney only option was to try and negotiate with the the investors. The investors is using : Madison Management '' as the the third party collection agency to try and collect. we have tried to offer several amounts to pay this lien so they could remove it from title. All offers were denied.They want me to pay the full balance that was due at time of BK filing, all late fees and attorney fees. They also want me to pay a 9.50 % interest rate which is to me predatory.

I Have sense hired a different attorney who has been trying to negotiate this lien and have been very unsuccessful as well. They have denied every offer the attorney has offered.

The investor has scheduled my house to be foreclosed as a way to strong arm me into paying them what they want me to pay them.

this practice is unlawful and i know i have some sort of rights to protect and save my home.

Since filing BK i have been currently with the first lien with no late and do not want to file BK again just to stop them for foreclosing They have also violated my privacy by researching me online on XXXX  to discover I have a business and is married. So the feel I have the means and capital to pay them what they want me to pay them.

This has been a very stressful situation and now is affecting my health as I need help stopping this investor from violating my rights
On numerous occasions I have sent Qualified Written Requests ( QWR ) to Select Portfolio Servicing ( SPS ) for them to prove they have written authorization via a valid Pooling and Service Agreement or via a Certified Assignment submitted to the XXXX County Recorder 's Office that they legally and lawfully were assigned as servicer to an alleged note attached to my property by investors of XXXX XXXX Mortgage-Backed Security. SPS was also required explain why they sent me two different Deeds of Trusts to the same property with one dated XXXX XXXX, 2004 that was obviously altered by someone and also contained forged signatures and initials.
XX/XX/XXXX To : Wells Fargo From XXXX XXXX Re : Check Fraud On XX/XX/XXXX I have spoken with Wells Fargo 4 representatives XXXX ; XXXX ; XXXX XXXX and XXXX XXXX regarding claim or Case # XXXX. I was given phone number XXXX regarding this case. I have spoken with XXXX XXXX on the same day by telling him that there are 3 issues especially two cashed checks without my consent in XX/XX/XXXX and XX/XX/XXXX. He has asked me account number over the phone. I told him that my phone could be monitored by someone else that I can not disclose my account number over the phone. Most important due to the terrible experience with Theft XXXX XXXX, I can not release my account number over the phone. XXXX XXXX has asked me to go to banking branch.l On XX/XX/XXXX I went to banking branch located at XXXX XXXX XXXX XXXX in Washington DC XXXX. I have brought over check Image and showed to branch manager. I was misled and terribly treated by this branch staff especially their manager. OnXX/XX/XXXX I was throw out by this branch and all my accounts were closed. Today when I showed two checks images to this banking branch manager, he used all kinds of excuse to push responsibilities. 

I told him according to the checks image, my name was on the check as payee. I NEVER authorized anyone to cash my checks. I was only person who had business relationship with original issuer. My mailing address was on the check. Therefore there was no any second person who has same name with me according to these 3 identification facts. 

On the back of the checks, it clearly showed someone else 's endorsement which I totally can not recognize. I NEVER authorized anyone to cash the attached two checks on my behalf. Each check was {$370.00}, total {$750.00} issued from Wells Fargo. 

As a check fraud victim by suffering such type of insult, I was very upset at XXXX XXXX XXXX Branch. However I never received any assistance when I asked this banking manager to file fraud claim as well as obtain fax number so I can fax over the copy of canceled checks. 

Then this manager begin to ask me to leave. Same as XX/XX/XXXX. He also stated that He want to close all my accounts if I continue to file complaint. I told him that I brought my complaint to the bank since XX/XX/XXXX to Wells Fargo. Why do you continue to defraud consumer? Why didn't you investigate and put theft to jail? Why discrimination continue existed? 

Since I already went to branch 5 times and filed at least 2 complaints sinceXX/XX/XXXX. Most recently on XX/XX/XXXX I filed claim with case # XXXX. I tried my best to contact this bank to collect stolen funds. I must claim {$750.00} plus 20 % interest plus {$100.00} late fee each month plus my gas fees. ( CHECKS  IMAGES AND POLICE REPORT HAVE BEEN ATTACHED ).
i have written many times to the creditors and called about the existing late delinquencies on my credit report, for several account such as (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ), i have sent many letter and disputed the delinquencies. even i have written to the credit agencies (  XXXX ,   XXXX    and equifax ), but no action has been made. i need your help in this matter, please have creditors take out the late ( remov e ) from my  credit reporting agencies.   i would greatly appreciate
Greetings, There is a company name XXXX XXXX , XXXX who claim I owe an unverified amount on a student loan which the company has not verified pursuant to FDCPA 1692g ( b ). The company allege in one letter I owe an amount that is different than the amount in a second letter and that amount is different that an amount in a third letter. 

Egregious tactics on an alleged debt I do now owe.
I do n't know why this company keeps calling me because I do n't owe any one, I pay my bills every month!!! I want the calls to stop and for them to take it off my credit report, I do n't think that they should have it on there
Hello, I have been having consistent issues with my lender, regarding getting my student loan forgiveness process started. A about 4 years ago I was contacted by a counselor from XXXX-XXXX. She contacted me on behalf of the Federal Student Loan program. She stated that she had someone on the line that was wanting to speak to me about starting payments on my loans, and helping me enroll in the forgiveness program. After speaking with the man on the phone, he stated that if I made consecutive payments of about {$200.00}, for about 8 months, I would be setup with the student loan forgiveness program ( I have bank statements showing the withdrawal of these funds ). Fast forward to now and I am still getting calls and letters stating that the interest on my loans are still increasing, and now requesting payment. I contacted the loan department of education, and explained all of this to a young lady on the phone ( I also recorded this conversation if it is needed ). She advised me that there are 3rd parties that will charge you for this free service. I questioned her further and advised her that I was contacted by my counselor, and she called me and connected me to someone working for the Department of Education. She advised me that she would email everything that I needed to start the forbearance process. I sent all of the requested info. in, including my most recent pay stub. The process was only approved for a month, and then I received a letter stating that the information I supplied was not enough to determine my monthly gross pay. Again, I supplied all the information that she requested. This has been highly frustrating considering that I already paid money month after month, that I didn't have, to start a process that still hasn't started. This whole thing seems like a scam. I have also contacted a firm that is already working cases like this, and have been advised that my loans qualify for forgiveness. Any assistance you can offer would be greatly appreciated. Thank you for your time.
We have had several issues with Cendera Funding throughout our mortgage process. The fees associated with the loan are in dispute because according to a VA loan certain fees are unallowable if the lender charges 1 % origination fee but the loan officer tried to add them in saying that the seller has to pay them. We have not received any copies of our signed paperwork 25 days after signing them ( fee sheet, GFE, TIL, etc ... ). I even went to their corporate office and spoke to XXXX XXXX, my wife talked to XXXX XXXX at this same time ( Senior VP ), and this only escalated the rudeness and hostility from the loan officer. When asking questions and highlighting things that are questionable fees ( I only received a fee sheet after going to the corporate office ) I do not expect the company to make the situation more hostile. The executive my wife talked to said the fees were only estimates and I would find out the true costs in the HUD-1. This is deceptive because at the time you see the HUD-1 you have no time left to rebut them without delaying the buying a process. In addition they have failed to update the VA with information during the appraisal process which is now pushing the loans past the closing date ( we can not get the lender to give us any information about it and the VA has n't gotten a response from the lender in over a week since their last request ). The loan officer failed to lock in the rate for the loan and it increased over that 2 week period. Since we complained about the fees we have only been brushed off by the company and talking to them only makes the situation worse. I assume they are trying to tank the loan process so they can still receive the application fees while not having to fulfill the loan after the complaints. If we lose the house because of delays we will lose about {$3000.00} in fees. Every day past XXXX XXXX is costing us to store household goods and temporary living expenses until we can find a permanent residence.
On XXXX XXXX I wrote to XXXX, Equifax, & XXXX in regards to them saying I owe XXXX XXXX XXXX {$480.00} & $ XXXX.Also, I wrote Equifax about XXXX XXXX stating I owe them {$18.00} being reported inaccurate as well on my credit the same days for the XXXX XXXX XXXX. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XXXX XXXX I received a itemized bill instead of evidence bearing my signature. So on XX/XX/XXXX I wrote XXXX, Equifax, & XXXX informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And on XX/XX/XXXX they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately. An to my surprise I see several inaccurate inquiries reporting on my credit report file from XXXX from XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX  XXXX XXXX XX/XX/XXXX. I inform them I dont recall these companies authorizing to pull my credit file. Because its making it very hard for me to acquire credit. Equifax as well with unauthorized inquires from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. XXXX also XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I would like all this inaccurate information removed immediately off my credit report.
I have a PayPal account and was recently advised that my acct has been permanently suspended. I have ~ {$400.00} in the acct, but they are advising that I can not obtain these funds for 180 days! Seems unreasonable that I should have to wait for 6 months to recover MY funds. Thank you.
XXXX XXXX I purchased a XXXX property with a XXXX sign on the property. I paid the load off in XXXX. XXXX XXXX still has a lien on the property.
I went to People 's United bank branch in XXXX XXXX XXXX on XXXX XXXX, the rep let a customer walk right up after the other customers and I were waiting for 20 minutes or more. All I did was ask how can someone just walk to the front of the line and a teller named XXXX said in a very nasty manner because another bank sent her here and I said she can just go to the front of the line. Well another bank sent me there I did n't just go to the front of the line. I then asked her why she was getting Nasty her tone was very rude, when another teller by the name of XXXX jumped right in our conversation and the rep at the business counter that was assisting the customer jumped in the conversation as well. I believe her name is XXXX it was hard for me to see her name tag. They were unprofessional arguing in front of other customers with me until another older lady in line came and told them she agreed with me. They started going back and forth with her as well. The customer then said I thought the customer was always right. I 've been banking there for over 15 years and I did n't deserve this treatment for asking a basic question nor did the other customer. I would like something done about this or else I will have no other choice but to stop doing my banking there or any other peoples bank branch. I hope to receive a response I 'm a supervisor in customer service and would n't dare to treat my customers in such a horrible manner. Maybe because no manager was there is why this happened since I have never experienced this before, there should always be a manger or someone there who knows how to treat customers. At least XXXX other people experience problems with the reps and they were all requesting a manager.
Credit Management LP is attempting to collect on a debt for XXXX that I do not owe. There are no records on file for XXXX that any money is owed. A collection has been placed on my credit report which has affected my home buying process.