WillisBack/dataset-financial-user-claim huggingface dataset:
I recently applied for a loan modification from Wells Fargo. 
First I was told they would n't accept my application but needed to go through a " re-entry interview '' I complied with that and my application was accepted. 
Then in the space of just 3 days I received 4 letters. 2 letters were dated on XXXX XXXX of this year : one stated that I should submit the required documents, the other stating they received all the documents. A letter from Wells Fargo dated XXXX XXXX stated they reviewed the information and my request was denied as the NPV ( net present value ) evaluation results did not support a modification and that I had already received the maximum number of modifications. No other details were given that could help me understand their decision. 
Finally a letter dated XXXX XXXX stated I was approved to participate in a short sale. 

Going back a bit, in 2013, I was given a loan modification, my only one but with an interest rate of 6.125 %. I accepted those terms at the time but am now unable to afford my payments. I am not earning as much income as I was before and am struggling to keep my home. 

I was also told the investor would not accept additional modification requests but was not informed who the investor was. 

I desperately want to keep my home. I tried calling the assigned relationship manager and was hung up on when I started asking questions. Wells Fargo has been very uncooperative and not very informative about my denial.
On XXXX XXXX XXXX, I sent a certified letter to Americas Servicing Company ( ASC ) owned by Wells Fargo Bank N/A. I requested the following information, is Wells Fargo the current investor of our note which is located within XXXX XXXX XXXX XXXX. I further requested to know what Wells Fargo role is with XXXX XXXX XXXX XXXX and does Wells Fargo know where our original note and our original deed of trust are located for the above mentioned property. On XXXX XXXX XXXX, XXXX sent us a letter stating, Acklodgement receipt of inquiry. Then, on XXXX XXXX XXXX, ASC sent us another letter stating, we were the servicer of your account. Wells Fargo is the investor of the loan and XXXX XXXX is the trustee. ASC included within the letter a copy of the Adjustable rate note dated XXXX XXXX XXXX, loan # XXXX. A couple days later, I received a call from ASC regarding this issue. I said that we refinanced this loan on XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. I sent ASC the documents to prove that there loan documents are Null and Void. I requested that ASC reflect that this account was transferred to XXXX XXXX XXXX in XXXX and Wells Fargo is not the current investor. On XXXX XXXX XXXX, ASC sent us another letter stating, our records indicate that the account number referenced loan is no longer an active account. ASC further stated, since we are not currently servicing a loan associated with your property, we are unable to provide investor, trustee or servicing information. Now, we already know who our servicer is along with our trustee. I requested to know from ASC which is owned by Wells Fargo Bank if they are the current investor. Wells Fargo may have purchased this Note/Deed of Trust recently! If Wells Fargo is the current investor, we request to have a certified copy of the original note, a certified copy of the original Deed of Trust and a certified copy of all assignments going all the way back to XXXX XXXX XXXX of when this note was sold and by whom. ASC stated that Wells Fargo is the investor and XXXX XXXX was the trustee but tried to use the old mortgage documents from XXXX reflecting ownership of our note! These documents are Null and Void since there was a new lender in XXXX, XXXX XXXX XXXX! ASC still has not answer my inquiry if Wells Fargo is our current investor of our Note/Deed of Trust. Security Exchange Commission does in fact have Wells Fargo Bank N/A listed with XXXX XXXX XXXX XXXX. Wells Fargo Bank also has assets within this securitization trust! Fraud and robo-signing has occurred in the past including within our note and possibly in XXXX loan trust XXXX. Request an investigation into this matter.
When I accessed the Capital One credit card site on the internet to pay my monthly bill as I have always done, there are a number of questions trying to get me to update my income. It will not allow me to bypass it to pay my bill. I called and complained, and they agreed to take it down. Today, I tried to access my account again to pay, and the same questions came up, and not allowing me to bypass it. I do n't want to update my status. I am in the process of paying this credit card off, and have a balance of {$1600.00} on a limit of {$3300.00}. This amounts to harassment as I only want to quickly pay by internet as opposed to paying by phone which is a longer process. When I call by phone, there is always a long wait time. It is as if they are deliberately causing me to waste my time because they know that I am paying them off. I 'm wondering if they are trying to get me to pay by mail, which would then make my payment late and entitle them to their ridiculous late payment fee of {$35.00}. I have  a credit score  of  XXXX , superb, and have been a customer of theirs for years. This is uncalled for harassment and I want it to stop.
I filed for a bankruptcy, I kept the house and the cars, I filed for a loan modification with chase bank, I was making payments everything was on time. 
All of sudden chase bank sent me papers to and asked for more information. 
I sent in all the information with supporting documents. 
To my surprise, chase sold my mortgage to a different companyNow the new company sent me documents almost doubled my mortgage with noexplanation. 
I was already having problem making the payment I was making with chaseneed help asapthanks
freedom mortgage, raise my payment  XXXX  a year more with out explaining why. when i call them usually the first rep agrees there is a problem and cant figure why there are charging me  XXXX  a year more on my escrow account, i have talked a few times with the city about this and they say my taxes only went up  XXXX  for the year and tell me my mortgage co is the problem, my inssurance hasnt increase either, so fereedom morg. flag the problem for investigation twice so far and keep saying there is a short somewhere, but cant figure out where, esspecailly since i have not had any increases of suggnificants, i have ask them several times for a letter explaning this increase, but i get no responce. freedom mort. recently took over my mort from another company. i had no choice in the matter, so somewhere they  XXXX  up keep saying there is a short somewhere but cant tell me where ( i have called over  12 times n ow ) this exra  XXXX  a month is becomiong a burdon on my family. do i have any rights? can i sue them?
I have been receiving phone calls from this number multiple times. When I pick up, they do n't say anything and hang up. I called back today and asked them why they keep calling. The gentleman kept saying they do n't have any information on the account, so I asked him to put me on their do not call list. He said he would be more than happy to do that, but they do n't have any information on the account. It all felt a little scammy to me, so I hung up without giving any information to this person about myself beyond the number they were attempting to reach.
The collectors from this private loan National Enterprise System with the name XXXX and XXXX on XXXX/XXXX/XXXX and other days have constantly harassed a co-signer who is currently suffering from XXXX and can no longer XXXX or XXXX. At this point they started involving a third party his spouse and began to harass her threatening to garnish her wages and assets as well as take her spouses social security and XXXX. The third party was never authorized to be involved in the loan matters not by the originator, who is myself or the co-signer. I, as the originator have made multiple attempts to settle with them but since they continue to XXXX the signer who is slowly XXXX and his spouse who is suffering they no longer want to work with me and settle. NES used as a scare tactic and threatened the third party payroll and assets to get what they want.
Capital One mailed us a solicitation for a new 1.5 % cashback credit card.We are already customers of Capital One, spending several thousand dollars a month and always paying our bill upon receipt, weeks before the due date. Our FICO score is XXXX. 
They denied us this new card, lying outright on page 1 that " too few revolving accounts have a balance " and contradicting themselves on page 2 " Too Many accounts have balances ''. They also lied about our credit score just so they would not have to pay us the higher cash back.
I am a victim of identity. The account with Credit Adjustments , Inc., that 's in my name is an unauthorized and fraudulent account. The account do not belong to me.
Capital One is listing XXXX 30 day late pays from XX/XX/XXXX on my credit reports that were due to my bank account being compromised during the XXXX hack that started in XX/XX/XXXX and went to XX/XX/XXXX. This XXXX hack affected my bank debit XXXX card, which the turn of events led to having to close and reopen an account, re-do and re-setup all payments, temporarily have no access to my cash, and created an affect where i fell behind on payments, due to NO fault of my own. AGAIN, This is NOT an issue of not paying, this is an issue of being unable to pay due to a fraudulent hack of banking info! I have been trying to clear this up, and explain the situation, and how per the law, i am not responsible when it is caused by a hack or identity theft. Every other creditor has been more than courteous and helpful in cleaning up this mess, yet Capital One still reports these XXXX 30 day lates even though it was not cause by me. I originally filed a theft affidavit and did everything i was supposed to do regarding this data breach, and yet i get no resolution from Capital One. I would please like Capital One to finally update their records and remove these 30 day lates from my record due to this original breach that cause me to lose temporary access to my account and money and fall behind temporarily.
I initially started a dispute with Equifax on XX/XX/XXXX and now it is XX/XX/XXXX and they still have not completed the investigation of these fraudulent account. By law, Equifax has 30 day to investigate these account ; however, it has been more than two months. 

The following fraudulent accounts need to be deleted and removed immediately : 1. XXXX Acct # : XXXX 2. XXXX XXXX XXXX  Acct # : XXXX Equifax failed to investigate these accounts within 30 days and by law, they are supposed to remove and delete these fraudulent accounts immediately.
I had filed bankruptcy. I had asked to reaffirm my vehicle and so the lender stated that they never received paperwork asking for me to reaffirm my vehicle. So I went back and forth between the lender and my attorney to resolve this matter. By my attorney 's advice I was told to dispute it with the credit bureau so they could update the account to show open and active and my payment history. So I filed a dispute with Trans-Union and so on XXXX/XXXX/2015 they received my dispute. on XXXX/XXXX/2015 they came back and stated that my dispute was complete but instead of them updating the account they removed it from my credit bureau. So I was told by several TransUnion reps that all that is needed if for the lender to contact their maintaence dept and they can updated the file. I contact the lender on XXXX/XXXX/2015 and left a message on XXXX/XXXX/15 XXXX XXXX in the credit dept at XXXX contacted me back and stated that Trans-Union 's policy is once they remove an item from your credit bureau they can not put it back. I feel this is unjust seeing that I had no clue in the beginning that the account was closed on my account and or that the lender was not made aware that I reaffirmed my vehicle. I 'm trying to rebuild my credit and my life so that I can move forward. I have had this vehicle for 2 years and have never been late on a payment. I need TransUnion to put this item back on my credit report. I 'm trying to by a house in another 18 months and so this would help me in this process.
I am affected by the Equifax data breach of XXXX XXXX. I ca n't believe these XXXX ca n't even keep their XXXX secure. XXXX em.
These are accounts that I settled with the original creditors ... these accounts should have never went into collections ... Experian declines to forward me any proof, documents or contract proving their claim or the claim of the collection agencies ... this isn't accurate at all ... I have contacted creditors, and I was told that they did not verify these accounts for Experian ... F.C.R.A. law is being violated and so is my rights ... 



DBA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$860.00} {$860.00} XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX DBA XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX {$1200.00} {$1200.00} XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX {$1000.00} {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
After fighting this once already with another collection agency ( XXXX XXXX ) and the originator ( XXXX XXXX XXXX ). And threatening legal action against both for falsely pursing me, along with ignoring my proof that it was n't my debt. It stopped ... now over a year later, another debt collecting agency is reporting the same debt on my credit report ( Penn Credit Corp ). 

XXXX XXXX ... I departed XXXX, Colorado on MILITARY XXXX Prior to my departure I removed my name from the account according to the customer service representative who assist myself and my ex-wife in their local office. 
XXXX XXXX ... I noticed the collection account on my credit report ... and through military legal assistance, this web site, they finally removed the collection account. Part of the processes I went through was submitting signed letters to cease and desist any and all future contact/collection attempts. along with proof of my departure and my new utilites/staements in XXXX. As it is documented here, that did n't happen immediately, and is now continuing. 
EVEN IF THEY ca n't find records of me removing my name from the account ... .. XXXX XXXX XXXX went into a completely SEPARATE agreement with my ex-wife that had NOTHING to do with the " normal '' operation of the utilities. I found this out after the fact ( trying to figure out how it was even allowed to reach the extremely high amount it reached, they normally shut it off for non payment after 2 missed months ). While I was XXXX, the ex-wife contacted them ( when they turned off the utilities after she quit paying them ). YES, she paid them at the beginning from her INDIVIDUAL account. She then had to submit a packet showing her INDIVIDUAL income along with a letter of reason for an extension to keep the utilities turned on. EVEN in the letter she states that we were no longer together and her income was minimal. SO she was awarded the extension based upon HER INCOME AND LETTER! ... .. 
Now they are illegally pursuing me ( according my my legal office ) since I can prove my departure on military orders, along with them going into a separate agreement with her on her own.
Spoke to company to have letter sent on terms to pay off debt, agreed to amount and to have debt removed from credit report. No letter ever recieved with terms. Have money to pay, but letter to do so.
DiTech ( current lender ) could not provide a payoff quote to support the sale of my home. 
They are undergoing a " automation system upgrade '' and claimed their system will be down until XXXX XXXX. I called customer service, talked to a service rep and her supervisor. The answer provided was that they would try to provide the needed information " early next week '' but made no promises. They supervisor 's supervisor was n't available so I left a voice mail for him. The lack of information will have financial impacts to me and the buyer.
In XX/XX/XXXX I paid in full {$390.00}, a collection to Enhanced Recovery Company ( ERC ). It was only in collection for a very short time but it was paid in full. ERC has this collection listed on my credit report as paid, but for less than full amount. This is completely incorrect. I paid this account in full. I sent two letters to ERC asking them to validate and change/delete the erroneous information. One on XX/XX/XXXX and the other on XX/XX/XXXX. I have not received any kind of response from them. The incorrect information represents a very serious error in their reporting, and is also one reason I have recently been denied credit. By not replying in a timely manner to my initial letter on XX/XX/XXXX, they have not only violated federal and state laws, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax  is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Today, XX/XX/2018, I called my student loan servicer, Navient ( XXXX ) to report I was back to work but because my wife 's deductions were so high on her pay that making payments was a hardship. I was advised that I was out of deferrment time, as well as forbearance time ( which I have no problem with ), and was advised that I did not qualify for income driven repayment plans. The rep advised me that if I gave Navient my bank account information and allowed them to take auto debited payments she could make my account current. I advised I didn't want to give out that information as I have been an identity theft victim in the past. So the rep advised that my only option was to make partial payments in amounts I could afford until the account was current. I clarified with the rep that if I had understood correctly, that if I provided my bank info, she could make my account current, but if not she was unable to help. I find this to be nothing short of blackmail.
Ocwen is the serve provider for the mortgage. I can not verify nor can Ocwen but I believe the holder of the note is XXXX XXXX. The mortgage was purchased by the above companies from XXXX XXXX. It was a Home Affordable Modification Agreement processed after my divorce to my ex wife. In accordance to the divorce degree dated XXXX, I was asked to cooperate with her in getting the mod. The mod is solely in my name as was the original mortgage. However because XXXX XXXX knew of the divorce and the terms of the agreement they structured the modification to add the Federal Law XXXX 12 U.S. Code 1701j-3 allowing the mortgage to be assumable to my ex wife provided she was living there and the house was quit claimed to her. Both are fact as she has been living there, paying the mortgage and the house was quit claimed at the time of the divorce XXXX. Shortly thereafter the mortgage was purchased by XXXX XXXX and Ocwen became the service provider. Since XXXX I have been attempting to remove my name from the mortgage and have my ex wife assume the mortgage as stated in the federal law XXXX XXXX 12 U.S. Code 1701j-3. Ocwen sent me e mails claiming the mortgage was not assumable and they were not familiar with the federal law XXXX XXXX Act. After 2 years Ocwen acknowledged in writing that the mortgage was assumable under the federal XXXX XXXX XXXX. Ocwen issued an e mail to me stating that I would have to amend the terms of my divorce decree to allow such an assumption in accordance with the provisions of the XXXX XXXX XXXX. I have spent thousands of dollars in court and attorney 's fees to gain all the required doc 's Ocwen insisted I provide in the subject e mail to me. I e mail Ocwen on XXXX XXXX the information they required to remove my name from the mortgage by the federal law XXXX XXXX XXXX. Ocwen now has stated they will not remove my name without reason. I spoke to them again on XXXX XXXX, XXXX and they stated they may review it again. 
I am writing to the CFPB because I have done exactly what I was asked to do by Ocwen to remove my name and have spent thousand of dollars to get them to recognize a federal law. I also have read that the CFPB in XXXX ordered Ocwen to provide XXXX in relief for wrong doing. Part of the wrong doing was 1 ) Providing false or misleading reasons for denying 2 ) Failing to honor previously agree upon modifications with prior banks or servicers. I truly believe this is the case. In fact when you read the XXXX XXXX XXXX their is no mention of the decree having to state anything about an assumption. the law is written into the language of the mortgage.
About XX/XX/XXXX Dyke O'Neal started trying to collect a deficiency amount on a mortgage that had been improperly foreclosed by XXXX XX/XX/XXXX. XXXX has since admitted violating the required procedures for foreclosure and I was compensated by XXXX different federal settlements from the mortgage lawsuits. 
XXXX shows my balance as {$0.00}. No Deficiency judgement was ever sought or obtained for this amount by XXXX or Dyke O'Neal and Tennessee has a 2-year statute of limitations for such filings under Tenn Code Ann 35-5-118. Dyke O'Neal is aware of this law but has continued to report this to XXXX and XXXX as an unpaid collection. I have disputed this with XXXX bureaus and XXXX has remove it but not XXXX. This has hindered my ability to obtain a mortgage using my VA loan. Dyke O'Neal is unresponsive about this. This is an unfair collection attempt by a 3rd party for a balance that the original lender agreed to remove under the federal settlement.
I really thought i was going to get some type of help finally! My rights are being abuse by greentree! For XXXX months, ive been harrassed, conned, volilated.I 'm being robbed. I 'm asking for help again. I ca n't put nothing to the princible of my house without it being stolen from me.They are still calling my wifes phone, my phone, coming to my house as of yesterday with these intimidation tactics.My rights are being volilated in more ways then one. My address is still they same! They are not putting anything in writing, just asking for money with phone calls and house visits. Only thing i get in the mail from them is XXXX 2 monthly statements in the past XXXX months telling me i owe thousands of dollars with bogus legal fees.What am i suppose to do? They are trying to scare me out my house.harrass to the point that i give up.Again nothing in writing, just house visits and nasty phone calls. I have told them on a number of ocasions to dessist and desseest! The calls wont stop! They know i ca n't afford no attorney, being i 'm XXXX. They know that! I 'm looking for class action suits against these giants! I 'm so XXXX out over this. I 'm not in good health and i know i 'm not the only person going thru this. Its taken alot out of me and my family. i just want to pay for this house and live the american dream for the time i have left. I know you all are still invetigating. is there any kind of way to stop the from all the harrassing me and my wife and stopping them from coming to my house? Anything they have to talk about can come in the mail. I 'm still paying my monthly morgage every month with every reciept. They still trying to raise my fix rate morgage! It already went up XXXX dollars more. Now they trying to raise it another XXXX dollars more. I need help! Please help!