WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX, MN XXXX XXXX : Wells Fargo Home Mortgage Modification I am in receipt of Wells Fargo Home Mortgage 's responses to : Myself ; The Minnesota Attorney General 's Office ; and The Consumer Financial Protection Bureau regarding my extreme opposition to Wells Fargo processing of home modifications and foreclosure processes. 

Attached is a chronological itemized list of events and supporting documentation regarding my account with Wells Fargo account from XXXX XXXX to present date. Wells Fargo 's response only includes documentation that attempts to support their position and intentionally omits several communications that they do not want to reveal. They have a broken system at best, and I believe that they put homeowners in a position where they can not recovery from and allow foreclosures to their benefit. 

During this whole process, In addition to working with Wells Fargo 's assigned Home Preservation Specialists, I talked to dozens of additional specialists when I was unable to contact or have my voice messages returned from the specialists I was working with. Over and over again, I was giving conflicting status reports on my account to include requests for additional documentation needed when it was already provided. On several occasions, I was informed that in fact they had received the information that was being again asked for. In addition, I was frequently transferred from specialist to specialist as they could n't figure out the status of my account. Whenever they got stuck with an issue, they reassigned me to a different specialist who would request all documentation be resent. This led to many wasted months of the modification process and put me in a position of losing all of my home owner rights after 28 years. 
Wells Fargo DID NOT address the number of times I FAXED documents to them only to say they did not receive them. And in cases where they did not receive any documents, I would go back to the bank ( I only used Well 's FAX machines ) where they over and over again would say their fax was not working properly. Eventually, they recommended I use a different branch which I did, only to have the same thing happen. I have several Well 's employees that I got to know very well because of this. And I am prepared to have them testify to this situation. Therefore, I am requesting all documentation in their possession regarding my acct. 
Wells Fargo DID NOT address the number of phone calls I made to multiple Home Preservation Specialists who : Were not available ; Or, were available but could not figure out where my documents were ; Or Assistants who could not help me and failed to communicate my messages only to get one apology after another. Therefore, I am requesting all of their recorded phone conversations with me which will validate my claim. 
This matter continues to cause severe personal hardship and mental strain which can be validated by the VA Hospital. As an individual, homeowner and veteran of the US Military, I am requesting further investigation into their incompetence, deception, and fraudulent activities regarding Wells Fargo and these matters. 
Kindest Regards, XXXX
Please delete Accounts information with missed payments on XX/XX/2014. From State Farm ( credit card ) Data in the system is correct. 
but I have never had problems with payment before I have never had problems with payment later It was the only time.That time I was in XXXX and I really did not have the chance to make a payment on time, I'm really sorry but spend already a couple years but this still hurts My credit. Please be a good bank and remove this information
XXXX XXXX is frivolously reporting information on my credit report I appealed the original debt as XXXX made numerous errors. 

1. I was a XXXX XXXX XXXX and their counselor failed to add me as a XXXX XXXX XXXX therefore messing up my student loans and grants 2. I filed an appeal and was advised by XXXX Bursars office I could attend the hearing in person to show evidence and dispute this debt however was not permitted to do so therefore had NO due notice and violated my constitutional right to defend my case in person 3. XXXX is being investigated for Falsifying information on my student loan application 4. This debt is the fault of XXXX and not mine due to their errors and a lawsuit may be filed in XXXX County Mo asking this debt be dissolved This collection was on my report before and taken off by credit agency therefore pursuant to the FCRA needs deleted indefinitely
I have couple of Inquiries which i never recognized 1. XXXX XXXX XXXX ( XXXX XXXX XXXX ) 2.  XXXX XXXX XXXX on XX/XX/XXXX i never asked them to do any Inquiry, requested them to remove it but they never listen to me. Also i never took any loan from them. 
3. XXXX XXXX XXXX on XX/XX/XXXX, i never asked them to do any Inquiry, requested them to remove the inquiry but they never listen to me. Also i never took any car loan from them. 

4. XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX ) on XX/XX/XXXX 6. XXXX ( XXXX XXXX ) on  XX/XX/XXXX 7. XXXX ( XXXX XXXX ) on XX/XX/XXXX
On XX/XX/2018 at XXXX I spoke to the customer service department for my Walmart Credit Card which is funded by Synchrony bank. I informed the representative that I was not happy with my credit card account and I felt that something unfair was going on with the card because I have not used the card in several billing cycles and I also make payments that are over the minimum amount requested.I noticed that in spite of not using the card in several billing cycles and making more than the minimum payment the available credit on the card is not increasing with each posted payment but actually decreasing. I explained to the rep that I have really good payment history and that I don't feel this is fair to do to me and to please see if their is something she can do with the APR to help me out so when I actually pay my bill I should have available credit to use. Their rep responded with " We don't help out anyone with their interest rate '' " It just takes time to pay off '' That seriously is the dumbest answer and biggest lie that I have ever heard. None of my other accounts with other institutions do this. I feel the company is basically stealing from me.
The collection agency was advised that I had   XXXX   XXXX   and member ID is  XXXX .. The collection agency was advised that hospital had info and nothing was done to verify these statement instead the agency called 36 times in one day and continues to call. As I advised the employee from hospital and collection agency they must bill   XXXX   XXXX   then I will appeal claim and   XXXX   XXXX   will pay.
I received three emails from Wester Union confirming transfers. This instantly alarmed me because I did not send any money via Western Union.  The last time I used their online service was in XX/XX/XXXX. I immediately checked my bank account and seen that two of the three transactions went through, however, my bank immediately reversed them. I informed my bank about the unauthorized transactions and cancelled the card that was used. I then called Western Union to notify them of this unauthorized transaction completed on the website and to request my online account be closed. The first person I spoke with on XX/XX/XXXX @ XXXX XXXX - I explained the situation and she said she would transfer me - I listened to a silence ( call was still connected ) for a few minutes before I hung up and tired again. This time I called their Fraud line XXXX @ XXXX. I explained the situation again to the guy on the phone and I informed him that thankfully the bank stopped the transactions. But I was concerned how this happened on their online platform, and wanted to make the company aware of this and have them look into it. However, he did not acknowledge my complaint. He just stated that my account would be closed. I stressed that they need to look into how this happened. He would not confirm that would be done. I ended my call very frustrated and will never use their services. I also went online to ensure my Western Union online account was closed, as the rep stated it would be, but it was not. 

These are the transactions that were not authorized by me : Your tracking number ( MTCN ) is : XXXX Your tracking number ( MTCN ) is : XXXX Your tracking number ( MTCN ) is : XXXX
I am currently in the process of obtaining a mortgage. I signed a contract and put XXXX XXXX down on the house. I have a deadline and I am endangered of losing our deposit. When the mortgage ran the three credit reports they received reports back from XXXX  and XXXX  but not Equifax. The report was not completed because it had a " Beacon Hold ''. I called Equifax and they made me provide them with ID Verification which I faxed to them. I called them back two days later and they stated that I should be able to run the credit report with no problem.They stated that there were no blocks or holds on my account. So I paid to run the report again and the mortgage company got the same message. I called Equifax again and they stated that I needed to sent them another ID Verification after the agent refused to give me access to my account. I asked to speak with the supervisor who then provided access. The supervisor stated that there were no problems and to have our mortgage company contact them directly. The mortgage company contacted them the next day but was not allowed access because Equifax did not have my correct birthday. I called Equifax again and had to speak with a supervisor again because the agents would not give me access to my account. They resolved the situation and the mortgage company ran my credit again and the " Beacon Hold '' came up again. I called Equifax again and I had to be transferred to a supervisor for access to my account. The supervisor stated that it was the third party company XXXX XXXX XXXX that was holding the process up. I called XXXX XXXX XXXX with my mortgage counselor and they instructed that I call XXXX because they are the ones responsible for credit scores. XXXX informed me that Equifax probably does not have any credit history and instructed that I call them and make sure that was not the problem or ask to have my credit reports merged. When I called Equifax I had to speak with a supervisor again because the agent could not verify my identification. The supervisor stated that I had no credit history and to call my creditors. 

I called XXXX XXXX with whom I have my credit cards and an auto loan. XXXX XXXX stated that they have been sending my credit history to Equifax since 2014. I called Equifax back and they stated that they have no record of XXXX XXXX and to call them back and make sure they are sending it to the correct person because my dad and I have the same name. I called XXXX XXXX back and they stated they have the correct information and have been sending it to all three credit agencies. We have been going back and forth with Equifax for the last 10 days and may lose our down payment and home because of their negligence. 
I need Equifax to allow my mortgage company to pull my credit report with my credit history and provide my credit score as soon as possible so I do not lose my deposit on the home I want to purchase before the deadline.
I was denied from a lender for " too many inquiries '' on my Experian Credit Report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquires on my Experian Credit report that I DID NOT authorize and had no knowledge of. I contacted Experian Immediately and was given no relief. I also have a fraud alert already placed which should have avoided any future issues. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason XXXX XXXX XXXX  - XX/XX/ XXXX -XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX- XX/XX/ XXXX  XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX - XX/XX/
I transferred money into the wrong account, I called Navy Federal Credit Union as soon as it happened ( XXXX EST ) and was told that I could not get my money back.
XXXX XXXX, the supervisor at SRA Associates threatened me directly in regards to my auto loan. I have been fighting this with XXXX, but agreed to pay $ XXXX/mo in the meanwhile. XXXX would not accept the payment and proceeded to tell me multiple times in the call " you will see what XXXX is capable of doing to you '', making me feel threatened, vulnerable and extremely uncomfortable. He brought up legal action- whereas they are NOT a law firm but a collection agency.
On XX/XX/XXXX I noted 2 unauthorized withdrawals from my checking account posted on that same day and I immediately notified my bank that same XXXXThe first was a " XXXX XXXX XXXX debit of {$2000.00} '' and the second was a " ATM XXXX XXXX XXXX XXXX XXXX '' debit amounting to {$980.00}. Both items bore " Pending '' as part of the description. 
On XX/XX/XXXX my wife and I called the bank and were told the only available person in authority to meet with was a person at a food store location. Briefly we were informed that we should " freeze '' the account and set up a new account, transfer the account '' s remaining balance and all monies would be returned soon or at least in 10 days. 
My balances were always shown in the original amounts but could not be transfered when I tried. 
Mant exchanges between the bank and us, none truthful or factual until we finally were notified that all monies had been returned to our account and NSF fees were changged in amounts. However, when I tried again to transfer, the notification was that the funds could not be transfered. Such remains the case today! XX/XX/XXXX as we prepare to again personally tomorrow XXXX. 
The bank involved is Associated Bank with main offices in XXXX XXXX, Wisconsin. Their authority advised that my funds would be held pending their ability to recoup fradulently removed funds. 
Amounts currently held in the " frozen '' account include Social Security and Private Pension funds.
The balance has been paid in full since XXXX XXXX. The collection agency, which I assume is out of business. Called the XXXX XXXX and keep getting run around.
I have contacted this company via certified mail on   XXXX  1 7sending a HIPAA letter requesting VALIDATION of this debt. The company, in turn, responded with a VERIFICATION letter which does not validate this debt. I have not signed any documents with this company allowing them to have my medical information, nor have I entered any contract as to why this debt would be owed to them. I have no knowledge of this company and am in need of validation of the information. I will send out another HIPAA letter requesting VALIDATION of debt and f ile a complaint with the BBB.
On XX/XX/XXXX and XX/XX/XXXX some body Fraudulently applied for two loans to One Main Financial! I contacted One Main about this issue and also contacted XXXX XXXX from the Mn. Commerce Dept. about these two loans that someone applied for, I reported this and also reported it to the XXXX XXXX Police dept. One Main has requested several times to XXXX  to remove the hard hits from my account, the hard hits are still there.
We purchased a house thru Fay Servicing and closed on XXXX XXXX 2017. XXXX ( Fay servicing ) knowingly and willingly sold us the house with enchroachment on a vacant land next to us. I have in my posession a letter from XXXX XXXX XXXX ( Fay servicing acting attorney ) asking the owner of the vacnat land to sell 14 ft of his land which he declined. He wants the entire lot bought for {$XXXX}. XXXX XXXX XXXX  also 0ffered us {$XXXX} to release all liability against Fay servicing. This is FRAUD and against all fair business practices. They knew about the enchroachment and never disclosed it to us.I have mulitple emails to XXXX XXXX XXXX ( XXXX XXXX ) to settle this. It is not our problem to settle this with the owner and that is what they want us to do and release Fay servicing from all liability for {$XXXX}. We are not going to settle for anything less then getting the 14 ft from the owner of the vacant land and having a new survey done at Fay servicing 's cost. This is not our fault and we are the victim of fraud with this company!! I dont have an account number with Fay servicing. This was a house that was sold us us by them.
I applied for a loan from Green Sky loans for {$20000.00} for XXXX XXXX XXXX XXXX " XXXX  '' to Replace my roof in XX/XX/2015 however XXXX did not have me sign anything from green sky to authorize release of funds to XXXX  to date the roof is not repaired and continues to leak.
I have been a victim of identity theft since XX/XX/2012. I have an extended fraud alert on my credit file. Recently, there has been an increase in attempts by identity thieves to open credit/loan accounts using my identity. Most of the creditors will call by phone and ask me to identify myself and ask if I applied for credit with them. When I deny that it was me who made the application, they simply deny the application and send me a letter in the US Mail stating that they were unable to approve the application because they were unable to verify the information that was provided on the application. Some creditors will send a second letter stating that they will submit a request to delete the inquiry to the credit reporting agencies. My complaint is two-sided - one side is with a particular company that calls and asks for all of my identification ( name, address, phone number, date of birth and social security number ) when notifying me that an application for credit has been made with them in my name. It makes me very uncomfortable when I am asked for this information over the phone and I am told that the company can not verify my application without this information. I am not confident that this request for my information is even legitimate because my information is not requested by all of the companies that notify me about applications that they have received in my name. The other side of my complaint is with a particular credit reporting agency which, although there is a fraud alert on my credit file, has released my credit report to that company.
Shortly after XXXX I open an account with Coinbase to trade digital currency. After setting up the account and sending them a small test deposit I wired a larger amount for {$10000.00}. When I attempted to trade they required a second level of identification verification. That step failed and I have not been able to either complete the trade or get my money back from them. For over a month now they have kept my {$10000.00} in Hold and I have not been able to access it. They have told me to open a support ticket and has been open for over a month now. Phone support does not help and they keep telling me it has been escalated to the highest possible level. It is not right that they have been keeping my money unavailable for this long. They provide me no other solution then to just keep waiting. I am more than willing to provide them any information they require
Starting in     XX/XX/XXXX , I attem pted on a few occasions to refinance my existing mortgage with Nationstar Mortgage, the servicer to my existing note, held by   XXXX   XXXX  . I was having difficulty maintaining paying the mortgage on time, and although I was not in default or even behind in payments, I wanted to see if I qualified for the HAMP or HARP programs. I reached out first to a counselor at the Making Home Affordable website, hosted or run by   XXXX   XXXX  /  XXXX   XXXX   and engaged in a conference call with NationStar that same month. I was informed by  Nationstar  that due to my experiences to date, I was eligible for home modification under HAMP. I proceeded to apply for HAMP by the deadline of   XX/XX/XXXX . I   was subsequently deni ed by Nationstar st ating I did not meet eligibility requirements, directly contrary to prior conversations. In fact, the Making  Home Affordable  counselors at   XXXX   XXXX   did not understand their response either. I was then asked to participate in HARP --  Nationstar st ated that I was eligible for HARP but needed to wait  until  XX/XX/XXXX  as  I  had one la te payment on file and needed to be on time with payments for a year. I then reapplied in   XX/XX/XXXX ,   had a loan  counselor  at  Nationstar  look at my note, my current obligations and stated I qualified and locked me into a rate. They performed an inspection of my property and then I got no communications from them since. I had to contact the company several times and received no further communication.      About two wee ks after my attempts to contact them, I got a letter from  Nationstar stating my property was unacceptable to refinance. When I inquired further, I found out that Nationstar  stated my mortgage note was for a cooperative property and they do not refinance cooperatives. However, since my initial experience in late     XX/XX/XXXX   through this statement of theirs  in  XX/XX/XXXX  -- they sta ted  ( a )  I was eligible for HAMP and HARP.     I went throug h two successive evaluations, credit report pulls, and evaluations only for them to state they do not refinance cooperatives. They are a mortgage lender, they are my servicer and they knew for this entire time my property did not qualify but never informed me of this. This is not only deceptive but is grossly negligent and harmed me as a consumer. This is not the first time I had difficulties with Nationstar and I have already filed a complaint with the Texas State Attorney General and will also be doing so for the State of Illinois. Nationstar should not be allowed to operate managing servicing of loans without penalt y due to this gross negligence.     I will be contacting all federal agencies and credit reporting bureaus to report these misdeeds. Thank you in advance for your assistance.
We were working with XXXX XXXX to obtain a home mortgage where we were working to close on XXXX/XXXX/16. On XXXX/XXXX/16 the loan was denied. The reason given was my spouse was on XXXX and her income was not stable after returning to work, with the same company she was been with for 17 years. She returned to work XX/XX/XXXX and has been working full time since then. Therefore they would not use her income for verification of the loan process and we were denied. During her leave the Union created a new agreement where the pay was increased. We were told it was such a significant change that they can not use her income.
I have filed a complaint in regards Nationwide Advantage Mortgage reporting me to credit bureaus affecting my credit file and creating a big financial burden on my business ability to get bonded and obtaining credit as well they had said yhey were going to remove the late payment they said I was late on in which I made the payment on XX/XX/XXXX and they proceeded it XX/XX/XXXX my credit score has drastically dropped Nationwide is preventing me and my family hardship not allowing us to refinance our mortgage due to reporting us to the credit bureaus they even stated for me just to quick claim the home to them me and my wife have been paying The mortgage 9 years this is how Nationwide repays it customers they said the would inform credit bureaus to remove the late payment pass 30 days and they have n't I disputed my late payment with transfusion and they said that Nationwide said it was accurate they lied to me and CFPB in not fulfilling their part. Loan # XXXX