WillisBack/dataset-financial-user-claim huggingface dataset:
The reason I am filing this complaint is because I have not been given the proper opportunity to save my home from foreclosure sale which is scheduled for Wednesday, XXXX/XXXX/XXXX. I have been working to achieve a workout solution to avoid foreclosure in working directly with XXXX XXXX Mortgage. In the first week of XXXX, I have not been able to reach my relationship manager/assigned XXXX with regards to my options to save my home shortly after the change from XXXX XXXX to XXXX XXXX. This lack of communication as impacted my ability to be able to speak with a live representative for now over XXXX weeks. I have submitted all financial information that is required of me on XXXX XXXX, XXXX. I have not received any calls or communication from XXXX XXXX acknowledging that they are in receipt of all my information and that such documents are being considered for all retention programs to save my home. I have made over XXXX attempts to reach them by phone and all I get is an automated system and a general mailbox to leave a message which I have done every single time that I called. I have not received any call backs. 
I was notified XXXX weeks ago with regard to my foreclosure sale date of XXXX XXXX, XXXX and have been working diligently to make contact with my case worker to no prevail. This is of great concern because I feel that nothing is being done with the information they requested of me and I provided on XXXX XXXX, XXXX. 
I am requesting for your assistance in hopes that you can assist with opening the lines of communication with my servicer, stop my foreclosure sale, so that I am given proper consideration to keep my home. I am also requesting for acknowledgement of the workout package I submitted to XXXX XXXX on XXXX XXXX, XXXX and the status of the review. I am also requesting for my assigned representative to contact me so that I am aware of the current status and if any additional information is needed from me to conclude their review of any programs that are available that can help me avoid foreclosure. 

Please assist me at all possible to remedy this situation as I am 100 % interested in keeping my home and have complied with supplying all required information they need for consideration. I have also spoken with an attorney and have been advised that my rights under the Homeowners Bill of Rights Act have been violated and may have no other choice to retain them for a fighting chance to keep my home. 
I can be reached at XXXX should you need to contact me for any additional information. 
Thanks in advance for your assistance and helping me keep my home. 

XXXX, XXXX XXXX
I have submitted a modification packet since  XXXX / XXXX / 2017 . I was told my packet was going to be review for a modification. However ; SLS schedule a sale date 15 days after they had acknowledge my application. SLS does not want to put my sale date on hold or push it back until I get a decision. I am very upset of the way SLS is reviewing my loan at this point I dont even believe SLS intentions are to help me. Since SLS has done this to me in the pass, I am very scare to lose my home. I dont have any where else to go, and my intentions are to keep my house with an affordable mortgage payment. I am still willing to work with SLS however they are just prolonging my case so my home can finally foreclosed.
Ran my credit for the first time via XXXX XXXX.. Noticed charges I am not in anyway familiar with per credit agencies listed below. I would like to have these items of concern rectified and cleared from credit profile.

Please see the following.

( 1 ) - FAIR COLLECTIONS AND OUT states that I owe {$2100.00}. I know nothing of these charges and would like for this to be rectified and cleared from my credit score account.

( 2 ) - XXXX XXXX : {$560.00} Anything you can do will be greatly appreciated.

Mr. XXXX XXXX.
To Whom It May Concern : I am writing to challenge the reporting and compliance on an account with case I.D . XXXX XXXX, with XXXX XXXX XXXX that is being reported with incorrect/missing info. My balance is XXXX and XXXX XXXX have been reporting wrongly and destroying my credit report with it. All effort to get them to comply has been fruitless. The account was disputed because of an unauthorized transaction, yet XXXX XXXX kept reporting it as verified without providing any evidence to who verified it or traced it and with what method. This account demand investigation on the unauthorized transaction on XXXX of XX/XX/XXXX, and XX/XX/XXXX. If the account can not be correct, I request XXXX XXXX to delete all negative entry. I request a full credit for this unauthorized transaction. 

More specifically, I am referencing the fact that you are reporting an incorrect high balance which was as a result of the unauthorized transaction. 
Your improper procedures are highly damaging to my credit score. Please immediately delete this item and correct it. I request a full investigation and if unsatisfied that a new credit card account be processed immediately and sent to me.
there is a collection account on my credit report from XX/XX/XXXX it was open from the XXXX account nubmber # XXXX there have not been no activity on this account and 30 years into i dispute it in XX/XX/XXXX the account is to old to stay on report you can call me at XXXX i can talk to you more.
I have been a loy al Wells Fargo  customer for years, and I have never been so disappointed in their business practices.     On  X/XX/17    I requested  XXXX  separate transfers from  XXXX  of my checking accounts with WF, to the other. The funds were available at the time of the transfer. In addition, there was a {$1.00} fee from  XXXX  deducted from my account to validate it. Following this there was an automatic payment from  XXXX . I was charged an overdraft fee for all  XXXX  charges. I am being charged {$35.00} for a {$1.00} fee that was nothing more than a test of my account! I do not understand how that is ethical.     I have contacted the bank twice, because I feel like the transfers were held to post out of order, thus causing an increase in overdraft fees. Had I requested a transfer without the funds being available, it would have been denied. The first person refunded  XXXX  of  XXXX  of the fees. I do n't feel like this was enough to correct this. I requested again for this to be done, and was told they would not refund any more of the fees. The only fee I feel is legitimate is for the  XXXX  payment.     In addition, I did not elect for overdraft protection on any of my accounts with WF.     I will also be closing all  XXXX  of my WF accounts.
Following letter mailed to SKO Brenner XX/XX/XXXX, with account numbers, dates and dollar amounts, together with supporting documentation. I was never sent a past due notice ( which the payment was not nor notified the invoice was being turned over to a collection agency : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX Re : XXXX-XXXX, XXXX account # Dear Sir, I am responding to your collection notice regarding the above referenced debt dated on XX/XX/XXXX. The debt identified in the notice was XXXX-XXXX, XXXX, Account # in the amount of , and referenced client #. 

I do not owe the debt and have enclosed the copy of the wire transfer from my personal checking account for $ to XXXX-XXXX, in addition to, the portion of my personal bank account statement verifying the payment cleared my account on XX/XX/XXXX. I do not owe for the debt you that you are attempting to collect. 

Please record that I dispute having any obligation for this debt. If you have reported this collection of debt to a credit bureau, I require a copy of the completed correction in your reporting submitted to the credit repository ( s ). 

Thank you for your cooperation. 

Sincerely, Cc : XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX Colorado Attorney Generals Office Enc.
Im not 100 % sure that i was part of predatory lending but it does seem like a lot of people have issues with XXXX and XXXX. I for XXXX have tried to make payments to the vendor XXXX but due to being in and out of jobs it was difficult to stay up on considering having a family to take care of now and then it was just a burden to pay monthly payments. for now XXXX of my private loans went into default a few years ago, i currently pay a little payment on XXXX of the private loans which is probably a waste of time. my federal loans have not been paid since their inception.
Upon attending XXXX XXXX I was promised job placement, lucrative salaries and the ability to provide for my family. None of these things happened. I went for a certificate program that lasted 15 months. When I completed the program in XX/XX/XXXX I was able to test for my XXXX. I was told I should have no problem finding out job. That is where the lies with XXXX XXXX and Navient/ Sallie Mae began. My signature loan started out at {$6000.00}. The calls started coming in XX/XX/XXXX. I still didn't have a job after numerous applications put in. I was told I was eligible for a hardship forbearance. The loan capitalization and the repercussions was not explained. I had both federal and private loans. I was not offered a IDR. Nothing was explained. I finally got a job in XX/XX/XXXX. I have tried desperately to make and maintain my payments. In XX/XX/XXXX I was laid off. The beginning of XX/XX/XXXX I started back to school for my XXXX so I could be a registered XXXX. My school filed for a in school deferment. During that time all the interest capitalized again as I later found out. I thought the interest stopped until I was done with school. I graduated in XX/XX/XXXX. In XX/XX/XXXX I was involved in that car accident. I have not worked since. I filed with Navient because at one point my signature loan balance reached over {$13000.00}. I have tried to get them to reduce the balance since more than half is interest and fees. I have been unable to work since my car accident.
I received a refinance offer from Chase ( my current mortgage company ). It stated they would lower my interest from 4.75 to 3.75 and my APR would be 4.22. I called Chase and worked with XXXX XXXX. She was really nice and assuring and when I provided the offer number on the letter to her, he confirmed the rates and asked me if I wanted a 15 year or a 30 year refinance. I told her 30, because I 'd like a lower monthly payment. She pulled my credit and said my scores were great ; XXXX 's. I filled out all sorts of paper and sent her everything she required of me. Several weeks later I get a call from her telling me that the underwriter is requiring her to contact me and make a counter offer of a 20 year refinance. I 'm like .... I have 21.5 years to go on a 30 year loan. I want a longer loan, not a shorter one, so I can have a lower payment. She apologized and told me that this was the first time she 'd been required to do this and she would let the underwriter know that I wanted the 30 year refi. I get a call a day or so later from XXXX, telling me that I was n't approved for the 30 year, they could only do the 20 year. I told her the letter did not offer me a 20 year loan. It offered a 30 year. I never asked for a 20 year. She did n't seem to know why I was being denied and said well maybe it 's because your APR will be 4.55, and since it 's not dropping at least half a point, the underwriter decided not to approve. I said where did this 4.55 come from? You told me 3.75 interest and 4.22 APR. Would it be approved if you put down the APR that you told me it was going to be? She really did n't seem to know how to answer me. I told her I feel like I was tricked. Like they had tried to pull a bait and switch on me and I sent a message to their XXXX page advising them of what I had been put through. I was contacted by a nice lady name XXXX who seemed to know even less than XXXX, and she was n't able to help me either, nor give me any explanation as to what happened with my original loan offer. All I wanted was to refinance my loan and lower my monthly payment. All I got was a big waste of time and a lower credit score.
XXXX XXXX XXXX XXXX XXXX XXXX has ERRONEOUSLY reported late payments for the months of : XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017 & XX/XX/XXXX. I have contacted XXXX and they confirmed the received of my payment for those months and the late payment remarks have not yet been corrected. Attached please find copies of my payments accepted by XXXX XXXX XXXX
First, this debt is owed by a XXXX company I worked for and the agreement was made between University XXXX XXXX and XXXX. Second, This collection was put on my credit report days before I received a very unprofessional letter stating I have until XX/XX/2017 to pay off the debt or make arrangements for payment.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I applied for a XXXX Visa card and was sent this load of XXXX in return : Customer feedback has caused us to review our relationship with the XXXX. As a result, First National Bank of Omaha will not renew its contract with the XXXX XXXX XXXX to issue the XXXX Visa Card. 

I want to know if this bank holds the same policy with XXXX XXXX, XXXX, or some other group!
My lender is have not shown the ability to be sensitive to my financial hardship. I shown I am willing to pay, however, the have constantly gone up on my payments to now XXXX a month I am unemployed and can not simply afford that much. I regret ever taking their terms and I want future students to know rates and terms of each loan they are borrowing, I would strongly suggest do not take private loans out for education. Please I am in dire need of help. I recieved the Lon at XXXX college in XXXX, ca.
Transunion had a glitch in their system that cause that reinserted previously delete information. They violated my rights unders section 6.11. I was never notified. As a result my credit score is suffering. i have contacted them twice but they have not taken any actions to correct. i am requesting all All inquiries be removed.
Pacific Union Financial LLC Borrower : XXXX XXXX XXXX Secured Property : XXXX XXXX XXXX XXXX PA XXXX Loan # : XXXX I suffered a no fault job loss in XX/XX/XXXX. I immediately notified my lender of my situation. I filed a previous complaint due to the difficulty I had in communicating with my lender to receive a special Forebearance Agreement as requested. Once the CFPB notified Pacific Union of my complaint, I was granted the Forebearance Agreement. This agreement was for XXXX months ( XX/XX/XXXX through XX/XX/XXXX ). 
I applied for a loss mitigation and submitted a complete package onXX/XX/XXXX reflecting my then recent and new re-employed status. I am 100 % sure my application was submitted complete, because I used the exact same format that they had marked as complete in XX/XX/XXXX when they required me to submit the loss mitigation application in order to get the Forebearance Agreement ( even though it made no sense at that time because I had no income to be approved for a mod back in XX/XX/XXXX ). 
On XX/XX/XXXX Pacific Union paper mailed me correspondence that did not reach my property address until XX/XX/XXXX requesting documents that had already been submitted. The letter said I had until today, XX/XX/XXXX to submit the complete loss mitigation application. I resubmitted as requested on XX/XX/XXXX, ( 2  days after receiving this letter ) I have had no update on my loss mitigation application ( approval, denial, or confirmation of the application being complete - even though it was submitted complete initially on XX/XX/XXXX.
On XX/XX/XXXX Pacific Union Financial filed an Action for Foreclosure against me for the property at XXXX XXXX XXXX XXXX PA XXXX, Is this not in fact  Restricted Dual - Tracking? 

Please advise. 
XXXX XXXX XXXX XXXX
This collection agency currently holds XXXX accounts : XXXX, XXXX, and XXXX XXXX XXXX. XXXX was originally defaulted in XX/XX/XXXX-XX/XX/XXXX, while I was still in school, because I could not pay. XXXX was defaulted in XXXX, while I was still in school, because I had moved and could not pay. XXXX XXXX XXXX was defaulted in XX/XX/XXXX-XX/XX/XXXX, after I had tried to switch over to XXXX and XXXX XXXX XXXX told me I had to pay about {$400.00} to close my account, which I did. Then a week later, XXXX XXXX XXXX told me I had to pay an additional {$200.00}, so I did not. All of these accounts began to default in XX/XX/XXXX - XX/XX/XXXX. Enhanced Recovery has reported them fraudulently as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to increase the amount of years these accounts can negatively impact me. I have not had any XXXX accounts since XX/XX/XXXX/XX/XX/XXXX. I have not had any XXXX accounts since XX/XX/XXXX, and I have not had any XXXX XXXX XXXX accounts since XX/XX/XXXX. They have also called me several times on weekends in a row using different numbers all leading back to their number if called back ( 10 calls within an hour, a few times a day ). They have also called my work and had the front desk forward their call as urgent to harass me at work - while interrupting a meeting I was having with some partners at the XXXX I work at and embarrassed me. During this call they also threatened me and warned me that if I do not call them back later that day there would be " consequences. ''
On XXXX XXXX, 2015 at XXXX, I received a phone call from a woman stating she was from Contract Caller 's, Inc at phone number XXXX. I asked her what the call was regarding and she kept insisting I verify my address and social before she gave me any info. I hung up on her and called the number back a few minutes later. The male that answered my call asked me if my name was XXXX and I said yes -- and asked him what these calls were in reference to and what type of business was it I was calling. He refused to answer my questions and kept pressuring me for personal information. I asked him several times what type of business it was that he worked and he was dismissive with me and refused to answer my question. Finally, he said it was " personal business ''. I repeatedly asked him what the call was in reference to and he just laughed at me and did n't provide the information I requested. I again hung up the phone after he refused to identify himself or the business he was working for. I found out that the number they were calling from is a debt collection agency and am filing a complaint for not identifying themselves, using threatening tones and language with me, and not identifying that they are in fact debt collectors trying to collect a debt that I do not owe.
We were in the process working with XXXX on getting a loan modification. Uniform Borrower Assistance Form was sent to XXXX on XX/XX/XXXX. On XX/XX/XXXX We received a Here to Help letter from Bayview Loan Servicing, saying they understand financial circumstances may change affecting our ability to pay our mortgage and they want to offer assistance in case we are unable to catch up on missed mortgage payments. Options provided to keep our home include modify our mortgage, a Uniform Borrower Assistance Form was sent along with this letter. We did not send in any documents at all at this time. 
On XX/XX/XXXX we received and " official '' letter saying our mortgage loan was transferred from XXXX to Bayview. Also on XX/XX/XXXX we received a letter saying " Thank you for sending your application for Loss mitigation> " This letter confirms ore receipt of documents requested in your Initial Package Request '' ( We did not send anything ) and instructions to Submit documents. 
On XX/XX/XXXX Letter noting our dedicated point of contact and instructions for how to apply UBAF.  And HAMP info. On XX/XX/XXXX, Letter saying they are using the UBAF documents from XX/XX/XXXX sent to XXXX and are being reviewed. On XX/XX/XXXX Letter saying Loss Mit. app is incomplete and needs form XXXX and must be submitted by XX/XX/XXXX. 
On XX/XX/XXXX ( before missing form was sent or received ) Letter received saying we were APPROVED FOR TRIAL MORTGAGE, the new monthly cost is XXXX ( which is lower by only XXXX ) I did call our point of contact to discuss the amount and see if we could re-file our UBAF because there was a significant change in our financial circumstances, His response was " Bayview is UNABLE to consider this request because The XXXX XXXX Flex Modification Trial Period Plan we have been approved for and currently making payments on ( we are not making any payments at this time ) offers the best available terms to us. Because the new Investor who owns this loan uses " The Waterfall Ranking Method '' and will deny any Foreclosure Prevention Options. Because our Loan has been approved for a Trial Period Plan this results in a denial for any other Foreclosure prevention Options Ranked below the option we are eligible. 
On XX/XX/XXXX Letter received again saying we have been approved for a Trial Plan. I called point of contact again expressing our concerns and he basically said if we do not make the first Trial Payment on or before XX/XX/XXXX Bayview will begin to FORECLOSE. 
On XX/XX/XXXX Letter saying Bayview " NOTICE OF DEFAULT AND INTENT TO ACCELERATE '' So it seems t us we Have No Recourse, No Options to Discuss and No Opportunity to Prevent FORECLOSURE from Bayview. 

IS THERE ANYTHING WE CAN DO?????
I have been the victim of ongoing ID Theft for the past few years and have had several fraud accounts reported by EQUIFAX I have sent in lots of police reports over the past few years. Equifax has removed and blocked all the fraud accounts. All of a sudden they are all begin re reported by Equifax and every time I call to find out why I get some overseas person who can not tell me what is going on and barley speaks XXXX!! XXXX annoyed that even with a valid police report Equifax will not removed fraud accounts!!! the following accounts were removed and are now back!!! Police know who is committing this ID XXXX and there are warrants out for the person. They will not continue to take police reports on the same issue!!!! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX 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 XXXXXXXX EQUIFAX KEEPS SAYING THESE ACCOUNT ARE XXXX AND THAT THEY VERAFIED THIS!!! HOW CAN THAT BE WHEN THE PERSON WHO STOLE MY ID IS A WANTED FUGATIVE AND IT HAS BEEN PROVEN TO BE ID THEFT? WHAT PROOF IS THERE THAT THEY WERE TRULY VERAFIED? WHY WERE THEY REMOVED AND BLOCKED BEFORE IF THESE WERE REALLY MINE?.
I have been contacted by Transworld systems attempting to collect a debt that I supposedly owe XXXX XXXX XXXX. The alleged debt is {$37.00}. 

I have no idea what the debt is for and I would almost pay it just so the don't try to ruin my credit, but they do not even communicate what the debt is for or a reasonable way to pay the debt online or over the phone.