WillisBack/dataset-financial-user-claim huggingface dataset:
Wells Fargo? Last year XXXX in XXXX I was notified by an Investigation Company in XXXX Texas. 
They had made several investigations on Housing Costs Tax for Senior Citizens. They discovered {$700.00} City Property Tax that was Not Paid, but ; the {$700.00} was taken out of my Bank Escrow account? This led to Hearing in XXXX Texas Court of which I attended. 
The XXXX Court final decision was that it be replaced to my account y Wells Fargo!! Today ; XX/XX/XXXX it has never been returned to my Wells Fargo Account. 

This is Third house I have financed with Wells Fargo? Additionally ; I have discovered Thousands of USD missing from my account? 


I pay my House Payment at Bank the first week of each month. It is an 30 Year FHA Loan, Contract Wells Fargo has always been Honest?? I thought? Until XX/XX/XXXX when this all started as an investigation by a certified Company. 

XXXX and XX/XX/XXXX : Wells Fargo has Demanded an additional {$440.00} USD in the Bank when I Paid My Contract Amount. This represents 50 % increase of Fraud. In the past week I received another Threat : They did not Credit My Payment Cash at Bank, but notified me, They stated they would hold it until I Paid The Full Amount of which is {$830.00} Total including Escrow Amounts Due Per Month, but ; I have made several requests for a copy of My Escrow Payments and Monthly Amounts> In 18 Months I have Received NOTHING???? 

I am XXXX XXXX XXXX Retired XXXX. 

The ONLY Decision of this Fraud, Theft, Threats, DTPA, and Attempt to Steal My Property because I have {$80000.00} Cash Equity. Additionally there is approximately $ 8-10,000 Cash missing from my account that I am closing dues to ALL THIS CRIMINAL ACTIVITY?? 

I am XXXX yoa and ; can not afford for these Criminals to steal my property savings? 

I hope you can help me? 

Thank You XXXX XXXX XXXX XXXX
Mortgage company did not record payments, though at the end of the year, XXXX showed the excessive interest. Continued with this fraudulent activity for 2 years and several unnecessary forbearance agreements. Attempted to file bankruptcy, so as to have trustee monitor our mortgage. Bankruptcy attorney, schemed to file for " overestimated property value '', and sought a loan modification ... not bankruptcy. We did not want this, attorney gave us no choice. Attorney did not utilize " request for production ''. He did not request our records from them, and did not submit my records to them. Loan modification took 3 years and {$47000.00} of interest was added to the principal.
FOR YEARS Chase has REPEATEDLY been running my credit for a card that I did not apply. I have actually NEVER applied to Chase during the times specified in this complaint nor any other time that I can ever recall. My previous complaints involve at least six different runs from XX/XX/XXXX through XX/XX/XXXX being the last after ( XX/XX/XXXX ) which I received acknowledgement that the runs were fraudulent and that they inquiries would be " masked '' which didn't make me happy but at least they weren't maliciously using it to artificially lower my score so I relaxed a bit. THEN on XX/XX/XXXX I AGAIN received a letter where they had run my credit AGAIN! The faked excused that they used this time were 1 ) too few accounts on file recently. This was a BOLD FACED LIE BECAUSE I ACTUALLY HAD ZERO ACCOUNTS ON FILE! Next was 2 ) Insufficient balance in deposit and investment accounts with us AGAIN FAKE as nobody needs an investment account on file to get a credit card. I have told them REPEATEDLY to PLACE A BLOCK ON ME AND MY INFORMATION IN THEIR SYSTEM!

Apparently, I had an account with Washington Mutual ( WAMU ) and it contains minute residual funds. Chase apparently acquired WAMU in a  merger/hostile take over which gave them access to my identifying information. Instead of Chase sending me a check and closing out the account THEY ARE ILLEGALLY RUNNING MY CREDIT AND CONCOCTING FICTITIOUS REASONS FOR DENIAL SINCE THEY OBVIOUSLY COULDN'T JUST HAVE A CREDIT CARD THAT I NEVER APPLIED FOR SHOW UP! This is apparently being done in cooperation with XXXX and XXXX. The reason is that the name used ( XXXX which as a woman and a SR I've never actually used ) is only shown on my XXXX   report and XXXX was the only credit reporting agency that had a problem removing the fake run in hopes of selling " credit protection ''. XXXX had to be in on this too because their name is being freely used but their website is not if I inquire and get " approval '' they gain fees as I use the card. 

This is my 4th or 5th complaint about this problem and at this point you need to do a public inquiry to see how many other violations are occurring. I may also send out inquiries to the major press organization because I have documentation of these strange goings on THAT NEED TO STOP! MAKE THIS STOP!
Tried to make a transaction to buy concert tickets.. Never received tickets to XXXX  account.. the fraudulent party then blocked my number.

Called Chase Bank as transaction still showed pending.. Chase said it was to late and money had been sent. There were no disclaimers on the site that said transaction was immediate.. only if both had a XXXX account which gave me comfort that there would be a hold.. not the case..
I have a Problem with how my Mother 's Death is Being used for Profit. In XX/XX/XXXX my Mother Passed away and I was on Her Mortgage as a Co borrower.At That time XXXX had the Loan. I Submitted my Mother 's Death Certificate but my name is not on her death certificate as power of Attorney.So The Loan Was sold To Penny Mac Loan services and was done as a way to profit off my Mother 's Death.Penny Mac Got the Loan in the about XX/XX/XXXX.Heres were the situation went totally wrong, Once the death certificate got to Penny Mac They should have went at the Power of Attorney for the Pay off of the loan.Instead they came after me and clearly came with the intent to scam me out of my mother 's home. In XX/XX/XXXX the Home went into foreclosure and the Power of Attorney wasn't held accountable for the funds to pay off the home. I was held accountable, but I wasn't the power of attorney over my Mother 's Estate.I was continually harassed for 5 year 's by Penny Mac unfair business practices.On XX/XX/XXXX, Penny Mac Sold the Loan to XXXX XXXX XXXX once they figured that they over looked the name of the power of attorney on my mother 's death certificate.Now XXXX is trying to continue this illegal game of Death. I am not the power of attorney of my mother 's estate. My Mother was the primary holder of the Loan and I was a Co borrower.The Power of Attorney on my mother 's death certificate should be held responsible for any dealings with these mortgage companies.Once the company 's realize they made a horrible mistake by how I was and am being treated, what will be done. Both companies should have my mother 's death certificate so they should have to produce it with a explanation of this Illegal Practice.
We refinanced through the HARP program into a 30-year fixed rate mortgage. After a history of paying our mortgage in a timely manner, the company decided to accept payment itself rather than have another company collect payments. When claims of late payment came starting in XXXX, I called and supplied proof that all payments due were made in a timely manner, and received. Nevertheless, they continued to harass us with late payment notices and fees. We allowed them to do automatic deduction from our account to make future payments trouble free while we clarify the history. Though we made the XXXX 2015 payment in XXXX, they took another payment on XXXX XXXX for the XXXX payment. And even though we supplied information again to prove we had paid, they refuse to refund the {$2000.00}. 
Also, I had paid off the year 's insurance and asked them to reduce the monthly amount due because our escrow account need not provide for insurance. Instead, they increased the monthly payment due. I am not sure if we were taken advantage of in this respect.
Good afternoon. I would like to file a complaint on XXXX as well as XXXX, XXXX and XXXX. I was reviewing my credit report and discovered several medical bills in collections. I disputed the accounts XXXX and XXXX with all ( 3 ) bureaus several times and the accounts came back as verified. I sent a letter to XXXX on XX/XX/18 requesting validation. The responded on XX/XX/18, but the information mailed does not verify that either account is mine. This information could have been falsified or made up. Again I requested very specific information again, I was sent the same thing. I would like to complain on the bureaus as well. They keep verifying the information, but how if the collector can't even verify the information with me the consumer. It appears that some of the accounts were deleted for a few of the bureaus. I need both accounts deleted from all bureaus. It has been more than 60 dates and ( 2 ) attempts with no validation. I WANT BOTH ACCOUNTS REMOVED or I will be filing a suit against Collection Agency and the bureaus.
We purchased a rental property on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, on advice of my lawyer, we formed an XXXX and the deed for the property was transferred into the XXXX. This continued for almost 5 years until XX/XX/XXXX when we received a notification from the mortgage company that transferring the deed to the XXXX was in violation to the mortgage agreement. After several back and forth between my lawyer and theirs, we did move the property from the XXXX per their demand. 
In XXXX the mortgage company offered to refinance our loan for property to achieve a better interest rate. In the process of this process we discovered in XXXX XXXX that the mortgage company had unilaterally and without any notice decided to take our excess payment of {$14.00} to a separate account. We had sent this over payment every month since the loan inception and it had been applied to the principal until XXXX XXXX. We requested of the mortgage company an explanation and they responded with the attached letter dated XXXX XXXX, XXXX. Apparently they had charged {$800.00} as a litigation fee. 
We have since paid off this loan including the {$800.00} charge. We declined to take mortgage company to court over the litigation fee since a lawyer would cost us in excess of the charge and, based on history, the mortgage company may well attempt to charge us their legal costs. For your information, we spent over {$1000.00} to change the deed back to our names. 
Following are our complaints with the mortgage company and would appreciate your assistance to resolve any or all of these issues. 
1. The litigation fee of {$800.00} charged to us by mortgage company appears unjustified. Our lawyer simply questioned them on their objection to the property being placed in a LLC. After some conversation with the mortgage company, he reluctantly advised us to change it back which we did at our expense. We believe the litigation fees charge us by the mortgage company {$800.00} should be refunded to us. 
2. The mortgage company had no right, without prior approval or notification, to take the excess {$14.00} each month and apply it to their stated litigation charge instead of the principal as had been done for years. We believe this was inappropriate on their part and they should be precluded from taking this type of action with other customers. 
Thank you for any assistance you can provide.
I have XXXX consolidated student loans, both of which are serviced by FedLoan Servicing. XXXX loan is a Direct Subsidized Consolidation Loan and the other is a Direct Unsubsidized Consolidation Loan. The monthly payment amount for the Direct Subsidized Consolidation Loan is {$210.00}. The monthly payment amount for the Direct Unsubsidized Consolidation Loan is {$310.00}. The total monthly payment amount for both loans is {$520.00}. 

Currently, and throughout all of 2016, I was enrolled in a Direct Debit program through FedLoan Servicing for both of these loans. Each month, {$520.00} was automatically withdrawn from my bank account and applied towards my monthly payment of {$520.00}. I made all of my payments on time in 2016 in the exact amount due. None of the billing statements that I received from FedLoan Servicing show that there was ever any past due amounts. My XXXX Credit Report, which I accessed today, shows that in 2016, FedLoan Servicing received each of my monthly payments on time. 

On XXXX XXXX, 2016, FedLoan Servicing issued me a billing statement for the payment due XXXX XXXX, 2016. This billing statement showed that I had accrued {$51.00} of Outstanding Interest for my Direct Subsidized Consolidation Loan and {$73.00} of Outstanding Interest for my Direct Unsubsidized Consolidation Loan. However, the previous billing statement, which was dated XXXX XXXX, 2016, shows that there were no past due amounts. And the XXXX XXXX, 2016 billing statement shows that I made my XXXX XXXX, 2016 payment on time, and in the full amount of {$520.00}. 

Even though I have made all of my payments on time in 2016, and in the full amount of {$520.00}, my most recent billing statement, which is dated XXXX XXXX, 2016, shows that there is still Outstanding Interest. This sum is {$51.00} for my Direct Subsidized Consolidation Loan and {$72.00} for my Direct Unsubsidized Consolidation Loan.
In XX/XX/XXXX i submitted an SCRA request form to American Express for them to reduce my interest rate on my Amex Everyday Card to 6 % or below. A few weeks later they approved it and said they would be reducing my interest rate and issuing me a refund for the overcharges. Nothing happened so in XX/XX/XXXX I submitted it again and they told me the same thing after a few weeks. I've been calling American Express consistently and they keep telling me that " by next month the changes will be reflected on your account and you will be issued a refund for the overcharges ''. I have continued to use the card expecting that the interest rate will decrease and i will be issued a refund otherwise I wouldn't have carried a balance on a card with a 19.99APR rate. American Express ie legally obligated to reduce interest rates for military personnel and yet they passively refuse to.
I have notified World Finance that I was a victim of Identity Theft, my wallet was stolen, I provided World Finance with a Identity Theft Affidavit. To date, World Finance has failed to remove this account from my credit file. So, I am in need of your assistance in getting this account removed from my credit file.
Letter and phone calls from Midwest Recovery Systems attempting to collect a debt that is not mine. The creditors are XXXX XXXX and XXXX XXXX XXXX. I sent a certified letter disputing the false claim and requested a response from the debt collector. No response. Now phone calls are starting under a new company listed as XXXX XXXX XXXX.
On  X/X/17    I was approved by  XXXX   XXXX  to refinance my first mortgage with them. It was just a straight refinance of my balance. I have a second mortgage held by  XXXX .  XXXX  faxed them the subordination paperwork on  X/X/17    and several days later they told  XXXX  that  XXXX  of the forms were not legiable.  XXXX  re-sent the forms again and a few days later, the got the same response.  XXXX  also sent the forms via email and they claimed they could n't read the email. I along with  XXXX  have contacte d Ditect n umerous times and they keep giving the same response about not being able to read the forms nor the email. I have lost count how many times  XXXX  has faxed or emailed them the forms with the same response. I called Ditech on  X/XX/17    and asked to speak with a supervisor and they claimed one was not available and they would call me back. As of  X/XX/17    no one has contacted me. I called them on  X/XX/17    and asked to speak with someone in the subordination department and they are telling me that they have no phones there and the only way to contact them is by fax. This fiasco had been going on for over a month and I am sure that Ditech is just giving me the runaround and hope I just go away. This refinance is a HARP refinance and according to  XXXX  they have never had a problem getting the subordination done by any other companies. I really need help with getting this done before I lose my low interest rate.
XXXX XXXX XXXX has been reporting to all three of my credit reports despite that fact that I had disputed this debt with them several times as well as disputing with all three CRA and it has been returned as verified. I would like to know how this alleged debt has been verified. I had requested from them legal validation on this alleged claim that I owe and had requested that they provide me proof of there ownership of this account. I had a phone conversation today with a Supervisor XXXX XXXX and requested from him the authorization that I had signed with the alleged original creditor to release my personal private information and the contract that I had with XXXX XXXX XXXX his response to me was this is not required. I demand validation from this collector. I demand they produce a valid contract. I demand they produce a signed authorization. They shouldn't be on my credit report for any reason but since they are, they certainly should not be there without an authorization to collect information and make communications about me and an alleged account. I do not owe this alleged debt that they are claiming I owe. I have attached all information that I have received and sent to them to this complaint.
Since XXXX of XXXX, I tried to defer my XXXX XXXX  and the loans of my husband ( I am the co-signer ) with AES. We had a deferral for XXXX months, when we tried to extend it then all the problems started. AES was unclear and lacked consistent feedback for deferral. We consistently called to clarify and tried to provide all the information in a timely fashion. We were refused a reduction and deferment for the loan because the lack of clarity overlapped with the need to make a payment. Because we did not make XXXX payment between the initial XXXX deferment and the submission of an entire XXXX application, we were not even considered for reduction or deferment status. At this point, we could not make the payment. We are making small payments, and are now in default and behind. As a result, both of our accounts have been reported to credit agency because we are late on payments. I am still not working ( mos XXXX ) even though I have been looking and trying to find a job. I have other student loans that have easily deferred my payment. The AES process was very XXXX XXXX, time-consuming, and lacked any consideration for me and my husband time and intent. The AES process is layered with ambiguity, disingenuous promises, blame XXXX XXXX XXXX XXXX and consumers ), and deceit. I have had great credit and paid my bills on time for 30 years. I have more than XXXX files regarding this and they have them. I am not wasting my time to resend what I sent them.
Safe Step tub was installed XX/XX/2015 and credit card account opened for {$10000.00} of debt. XXXX at XXXX, and her XXXX daughter, were in no way able to make this purchase. Furthermore, XXXX has no XXXX that require her to use a XXXX and she is quite capable of bathing or showering in a regular set up. 
I have been contacting Synchrony since XX/XX/XXXX about this account and we continue to receive bills with past due charges. I have asked repeatedly that all those charges be rescinded and that any new charges be suspended until this matter can be fully investigated. I have not been contacted by Synchrony Bank at all - other than to continue to receive billing. Yesterday, I was stunned to learn that Synchrony has placed this account into collection with XXXX without so much as responding to even one of my many letters and numerous telephone calls. Today I am sending copies of this correspondence to the following agencies and asking each of them to conduct their own investigations into this matter as well as into XXXX 's business practices of targeting XXXX citizens and Synchrony 's business practices of opening credit card accounts and placing these XXXX deep into debt.
Equifax is showing XXXX bankruptcy 's on my file that do not belong to me. I disputed the information and Equifax claims to have verified the information on XXXX/XXXX/2015. I 'm requestingthat Equilfax actually verifies that information so those items can be removed from my file.
I have two names : XXXX XXXX XXXX on one social security number. I complain to the CFPB last year : XXXX { XXXX } I was told by the FTC to explain this to Citibank with documents to prove this federal offense against me. 

The city of XXXX has caused this federal offense also XXXX  data breach has ruin my credit worthiness. 

I've never own a credit card & has been taking out of the work force, college in XXXX XXXX 2011. 

Citibank denied me two without verify of my identification theft, disgrace.
I had a problem with US Bank two months ago when they failed to apply my payment that got there on time, but they did not post it for a day. They lied! I called and told them to close my account. Last month they did not send my XXXX statement out until very late in the month, I did n't receive it until XXXX, but they did not change the due date. That allowed less than a full week to get it back to them on time because the XXXX was XXXX day and they were closed. I still got it there by XXXX. They acknowledge the receipt of the payment on XXXX, but they did not post it until XXXX, the due date. On the same day as it was due, before they posted my payment they charged me for a {$27.00} late fee, then they posted my payment. They purposely held my check until the XXXX, but they still tried to charge me a late fee! A dirty little trick, by a dirty little bank. I think they are trying to out XXXX XXXX XXXX for the leader of XXXX little tricks committed by a XXXX little  bank!
As part of my Health Care Plan for 2015 with my last employer, I opened an HSA Account, which is with HSA Bank, subsidiary of Webster Bank. I enrolled for electronic statements and here is where the problems started. I have not been receiving my statements, including the alert informing me that my statement is ready for viewing/download. When I log into my account online I see the activity on my account including the monthly service fee, but when I click on the Statement Tab to view my statement no statements are available. I have called customer service each time and I 'm told the same thing, it 's a problem with the " new '' system. Once on XXXX XXXX, 2015 I got a secure email to access my missing statements for XX/XX/XXXX thru XX/XX/XXXX. I called again in XX/XX/XXXX about my statement and was told again it was due to system problems that they are working through and they would email me the missing statement. I never received that email. I called again today, XXXX XXXX, 2015, after going online and finding the statements were still not available. Only to be told the same thing ... .system issues. I am missing statements for XX/XX/XXXX through XX/XX/XXXX. However, as usual my account is being assessed a monthly fee. 
I know based on my other bank accounts, including my previous HSA with another employer, that I am required to get statements monthly and a notice when an eStatement is available with a link or instructions on how to download the statement. I am at my wits end and as a last resort is reaching out to the CFPB for help. I Appreciate any assistance you can give me to resolve this issue. I have requested the customer service representative escalate the issue to a superior, which she said she would and I am waiting for a response but since I never received follow-up the last time my expectations are not high that I will this time.