WillisBack/dataset-financial-user-claim huggingface dataset:
I have mortgage with wells Fargo with account # XXXX. My first payment {$3200.00} was due on XXXX/XXXX/2015, while I paid the full payment on XXXX. However Wells Fargo repeated charge to my Wells Fargo checking account for XXXX payment due to a scheduled payment on XXXX of every month during loan application. Of course, there was n't enough fund since the fund went to them already. So Wells Fargo charged me {$20.00} ( called Wells Fargo and they refused to refund to me ) for return fee on my mortgage account, charged {$35.00} ( they reversed already ) on my checking account as insufficient funds fee. The question is why did Wells Fargo kept charging me on my account after they received the XXXX payment already! All these penalty of fees is only because I paid my payment two days ahead of schedule!
XXXX sold my private student loans to Navient. Navient continues to refuse to provide me with a statement that will show each of my loan statements on one document. Navient will not provide me with TPD discharge information.
XXXX XXXX XXXX, PLAINTIFF GREENTREE LLC, their attorneys XXXX XXXX AND XXXX XXXX, XXXX XXXX and the XXXX XXXX XXXX XXXX COURT REPEATEDLY REFUSED TO PROVIDE ME my Qualified Written Request under the Real Estate Settlement Procedures Act ( QWR RESPA ). I sent several QWR RESPA To PLAINTIFF GREENTREE and to their attorneys XXXX XXXX AND XXXX when I learned that a Foreclosure COMPLAINT was filed on my property. PLAINTIFF GREENTREE and their attorneys XXXX XXXX AND XXXX received my RESPA QWR certified priority overnight on XX/XX/XXXX. The letter was not acknowledged. The second request was certified in my Contesting Answer, and Counter Claim for Wrongful Foreclosure on XX/XX/XXXX. In my certification to the Court, I asked the Presiding Judge to Compel RESPA and Award statutory fines. On XX/XX/XXXX, at a Case Management Hearing XXXX XXXX XXXX XXXX, in XXXX, XXXX I asked the presiding Judge XXXX to compel RESPA, and for statutory fines, and she stated that my request would have to wait for trial. On XX/XX/XXXX, I filed another motion to Compel, and explained in great detail why I was requesting RESPA, and other Discovery so that I can properly defend my position before for trial. I was later DENIED by the COURT on XX/XX/XXXX. On XX/XX/XXXX I sent another certified letter to PLAINTIFF GREENTREE and to their attorneys XXXX XXXX AND XXXX, and received a response in a letter dated XX/XX/XXXX from XXXX XXXX AND XXXX XXXX XXXX. The letter states, " Please be advised that this office is in receipt of your correspondence to us dated XX/XX/XXXX and received in this office on XXXX XXXX, which purports to be a Qualified Written Request under the Real Estate Settlement Procedures Act ( RESPA ), with respect to the above referenced loan. Pursuant to RESPA, please be advised that XXXX, XXXX will provide a response ( to the extent appropriate ) by XX/XX/XXXX. To date I have not recieved my RESPA, and these dilatory actions have adversely affected me since I have not been able to complete Discovery, and a pending motion for summary judgement will be heard today. In addition to the lack of compliance by GREENTREE LLC and Attorneys XXXX XXXX and XXXX, XXXX XXXX is lending institution that is not affiliated or assigned to my Mortgage, and do how is XXXX managing my loan? Previously, I did send RESPA QWR to the XXXX XXXX XXXX, but XXXX refused to provide to me a physical address, and my letters to a XXXX XXXX XXXX unanswered.
In XX/XX/XXXX I opened a Capital One credit card acct. It was a {$500.00} credit limit. In the same year XX/XX/XXXX I lost my job and was un`able to find a job paying more than {$7.00} to {$8.00} an hour. So in XX/XX/XXXX after my unemployment funds ran out, l could n't pay my debt. 

As my debt proceeded to remain past due, the collection attempts were strong and stronger. There were threats of me being sued as well as being garnished from my wages if l continued to not pay my debt. Capital One forwarded my debt to their sister offices to persue collections while building fees on the {$400.00} debt now owing more than the card limit allowed. For each move to their sister offices fees were added, along with late charges. Which now makes the debt look like l owe more than the credit limit allowed. Once Capital One finished sending my account to their sister agencies, they wrote off {$1100.00} and referred my debt to a legal office. XXXX. 
Upon XXXX receiving my debt, they then fowarded my debt to each of their XXXX sister agency offices while adding late fees, collections fees, mailing fees, while attempting to call to collect this debt. 
Still out of work, for each call or letter l received l responded by telling XXXX l was still unemployed and looking for work. Their threats continured with the balance due increasing all the while. Once this debt went to all their sister agencies, l was threaten and told l will pay XXXX way or another. 
After some time had passed, XXXX realized that l was n't going to pay they turned my debt over to their legal team to harass me, threaten me beyond anything l 'd heard, then XXXX gave their legal staff permission to garnish my wages. While my debt has increased with no way to pay, l was still being threaten with all sorts of legal action against me. These garnishments from XXXX agency were sent to many other banks l had no association with. The fees against my debt increased with no end in sight, where as when due deligence was excused it was then learned that my property where l lived was in my husband 's name only and l wasn ' included in name on any of our properties. This is where the {$390000.00} comes with interest accruing @ XXXX percent annual. I would owe this debt until my death! for this was only a {$500.00} Capital One Credit card. 
I did not receive notification of my right to persue this debt, because l was told as well as hollered at in paying this entire amount off asap.
Someone open an account using my name and personal information. I am a victim of identity theft. The account is with a company by the name of XXXX XXXX XXXX. I want this information removed from my file.
I submitted dispute leters to XXXX via mail on XXXX. I have the proof of mailing on XXXX. 
Today XX/XX/XXXX i received a letter stating that the timeframe for response was extended by 15 days due to additional information regarding the dispute being received. The letter states that my original submission was received on XXXX and additional information from me was received on XX/XX/XXXX. As the proof of mailing proves it is not possible that the original mailing was received on XXXX. Moreover, I did not send any additional evidence regarding the dispute. As such, the timeframe to complete this investigation can not be extended by 15 days, and should be completed by 30 days as required by law. 
This same correspondence stated that the proof of address that I sent was inadequate. However based on the list of documents that can be sent, my information was in fact adequate. I sent a copy of my ID and a untility bill dated XX/XX/XXXX - both have the same address, and the utility bill is within 2 month of the mailing date as required. 
I called transunion today and spoke to XXXX. My call was at XXXX. While the representative told me to disregard the extension, she stated that she could not get me anything in writing stating that the timeframe was in fact NOT extended. As such I am contacting this agency regarding the matter to hold transunon accountable to the 30 day timeframe - as they have no grounds to extend investigation by 15 days.
I was speaking to someone on the phone about purchasing tickets and I sent him money for the tickets as we were talking he hung up and I could get ahold of him. I contacted XXXX immediately about this to dispute and hopefully reverse the transfer. I filed a police report and chase told me they could n't help. I gave this person {$210.00} and will never see it again and XXXX was of no help.
I have a bookkeeper who takes care of all my bills for me. She 's been with me for many, many years. I used to make a lot of money until I had my daughter and became a single mom ... .my daughter was in XXXX. It took all of my time and energy and I could barely work that year. Then the housing market crashed at the same time I could no longer pay my mortgage. I lost my house but did n't go into foreclosure thankfully, I 've always had good credit and before all of this I always paid my CCs off in full each month. 
When I had to move into a small apartment I also had to live off of my credit cards for a while because I literally was n't making enough to survive. I then cashed out my {$70000.00} retirement fund with a HUGE penalty. 
I 've been scraping by and then I think it was last year my bookkeeper says that I 'm paying around {$100.00} a month in interest for my SouthWest Rapids rewards CC. I was confused to say the least? She said I had been over the limit. 
I did n't know why or how that could happen? I remember years ago they would just " decline '' your credit card if you had reached the limit. 
And now I 'm STILL paying around {$98.00} a month EVEN THOUGH I pay OVER the minimum required each month. How can this be? How can they do that? They are literally taking so much money away from me each month. I consolidated my credit cards maybe a year and a half ago to try and get at least a year of no interest. If I had known that Southwest would not notify me or at least " decline '' the card to let me know I 'd reached the limit, I would n't be in this predicament. I mean, it 's really outrageous and I feel so hopeless about it. 
Is there anything I ca n't do or you can do? Anything? I mean, I 'm paying over the minimum each month and they are charging me a little less than half of what I 'm actually paying so then it 's like I 'm paying less than the minimum and the balance will never go down! : - ( Help! XXXX -XXXX
cc : FDICConsumer Claim Number : XXXXBank : Bank of America DISPUTE RESOLUTION SERVICESXXXX XXXX XXXX XXXX AZXXXXMerchant : XXXX 
The Event : The consumer requested a refund from the Merchant based on breach of contract and or fraud which supercedes the 30 day return time period. The Merchant refused to refund so the consumer opened the claim with bank and faxed as well mailed to the bank written details supporting the claim. The bank failed to send the chargeback notification by mail to the Merchant ( as stated in the Merchants fax to the bank dated XXXX XXXX, 2015 ). The Bank 's letter to the consumer ( mentioned above Dated XXXX XXXX, 2015 ) disregardes the consumer 's written evidence for the claim as if they never received it ( in addition to not bringing it to the Merchant 's attention in writing, by mail ) and also states that " As a result, the temporary credit for {$790.00} that was previously applied to your account will be reversed on XXXX XXXX, 2015. Additionally, any credit that was applied to your account for the reimbursement of fees related to this claim will be reversed. We now consider this disputed resolution closed. " Notice : The Merchant-consumer transaction was from XXXX ( a different legal entity than XXXX. who sent the communication to the Bank via fax XXXX XXXX, 2015 ). 
The consumer demands that the disputed transaction remain open while this issue is investigated and that based on fraud, the credit for {$790.00} shall not be reversed. The Bank must prove that they received no written evidence for the claim from the consumer, as well as acknowledge that htey did not follow dispute resolution procedure on behalf of the consumer or the merchant.
I have submitted complaints before and I will do so one more time, I have several and I mean several inquiries on my reports that are from the years XX/XX/XXXX-XX/XX/XXXX that do not belong to me, and I have no knowledge of. I have called the creditors and they say they can not remove them call the bureaus, I call the bureaus and they say they can not remove them, well, last month we went through this same thing I sat right next to my brother as he called all 3 bureaus and he had 30+ inquiries removed just by saying they were not his, in which they were not his they were made from a different state that he does not reside in, I called and wanted mine removed and I was told they could not remove them. I have tried to dispute these with the bureaus by sending in letters and calling again nothing, sent in a complaint and again nothing, well, I just seen and took a screenshot of another lady who called all 3 bureaus and got 66 inquiries removed in one call, but I can not get just the ones I know are not mine removed!?? I believe this to be a discriminatory issue that I will indeed address accordingly! I am absolutely tired of seeing and hearing with my own ears people calling and having inquiries removed no questions ask, but mine can not be removed. There are some on my report I do have knowledge of doing, but the ones I want disputed were during the time of the death of my mother and I know for a fact I did not do them because I had no access to any kind of internet or phone during that time!!!! I am asking once again that this situation be addressed or I will be going further with my complaint!
I have contacted experian by certifed mail, phone and online dispute on Fraud accounts on my credit file. First contact was by Online dispute XX/XX/17 requesting the account be verified as my right for the fair credit act then requested was denied and no verified info was sent as request. Second attempt was a call I placed to Experian on XX/XX/17 and was denied proof of Verification again a violation of my right to the fair credit act. Third and final attempt was a letter sent certified mail on XX/XX/2017 with a report from police that these account were fraud, I again never got it removed or a response for Experian. This accounts have been removed from XXXX and XXXX because of fraud and they could not verified. I am listing the accounts below. I have a right to have all accounts that do not belong to me and that the credit reporting agency can not be verified to be removed by the Fair credit act. Experian is violated my right. This is in true harm my life and career. I ask that the accounts listed below be removed right away. 

1 ) XXXX- account # XXXX {$540.00} XXXX account # XXXX {$540.00} XXXX account # XXXX {$350.00} XXXX account # XXXX {$820.00} XXXX XXXX
Due to a medical issue, I was forced to quit my job. CHASE bank refused to give us forbearance on student loan. 

We filed our taxes early XXXX, ready for e-file XXXX XXXX. On XXXX XXXX we received an XXXX form from Chase, we called our bookkeeper and she explained that was not good, we went to her office to find out, our {$5600.00} refund was now us owing $ XXXX+. 

So we sat down with IRS and they agreed to take XXXX refund and wait for XXXX refund to finish paying, which was done. 

With this we received a letter from CHASE telling us the " cancellation of debt ''. 

In XXXX we began getting letters from attorney 's XXXX ( XXXX ) Attorney at Law. We communicated with them and explained about the XXXX and they have been mistaken. 

After several trips to XXXX, AZ to court house, we eventually received a notice of arbitration. XX/XX/XXXX we sat down with plaintiff 's attorney and arbitrator. During this meeting XXXX claimed the the loan numbers did not match up with CHASE. 

The arbitrator said she had no choice but to find in the favor of the plaintiff and they both agreed that there was definitely something wrong. 

The attorney for XXXX argument was that his client XXXX XXXX XXXX XXXX XXXX ( XXXX ) owned the loan that was sold to them by CHASE back in XXXX. 

While there, the attorney XXXX XXXX of XXXX gave us the number of another attorney XXXX XXXX. XXXX claimed he was a good attorney and maybe able to help us. The arbitrator said she would wait 30 days before entering a decision. 

We went and saw XXXX XXXX and he said he would make some phone calls, during which he had mentioned the CFPB. 

On XXXX XXXX, XXXX the arbitrator found in our favor, we do not know what XXXX XXXX had done, but we were glad for the judgement. Including the judgment the letter stated that we needed to submit any fees we occurred, we called XXXX XXXX and he handled the communication with the court, and his fees were awarded for ( XXXX ) to pay. 

Currently GC is appealing the ruling and we have another court appearance this Friday XX/XX/XXXX. 

On their appeal they are accusing the defendants ( us ) for " Defendants have engaged in unfair surprise and misconduct '' and " litigation by ambush. '' We have done nothing wrong, we did not go to law school, we followed instructions. 

This is our biggest issue. How can CHASE sell a loan to XXXX in XXXX and turn around and file a XXXX on us in XXXX? 

According to GC, CHASE dd not own the loan to do this. 
We were thrown into another tax bracket since it had to be counted as earned income, causing me to lose other government medical benefits for my insulin.
On XXXX/XXXX/2016 I received by postal mail from an organization called AFNI and demand that I pay {$160.00}. The demand said vaguely that the obligation stemmed from " XXXX, formerly XXXX '' but lacked any other documentation, evidence or proof. I responded with a letter, sent certified mail, on XXXX/XXXX/2016 saying I had no knowledge of any such debt, and demanded documentary evidence. The Post Office advises my letter was delivered on XXXX/XXXX/2016. As of this date, XXXX/XXXX/2016, I have received none of the requested information, or any other communication, from AFNI. We have followed up with a second letter to AFNI, noting no response to our first.
I have worked for the same company for 20 years and it is n't showing up on my credit report.
I called us on XX/XX/2016, and enrolled your credit card accounts in Balance Liquidation Programs, which reduced your annual percentage rates and suspended applicable late and over limit fees from being charged. I do not recall being advised you during the call that your accounts would be removed from the programs if the initial payments were returned. We also sent you the enclosed letters dated XX/XX/2016, advising of this information ; which were never received. We received your enrollment payments for the programs on XX/XX/2016 ; however, they were both returned due to insufficient funds. - They payments were not to be made until the XX/XX/XXXXof every month. We sent you the enclosed letters on XX/XX/XXXX, and XX/XX/2016, advising you of the returned payments- those were not received as well however I did make additional payments to replace the ones there after and made payments regularly thinking I was on the program. After the payments were returned the payments were replaced and continued to be made after at no time did I receive any letters stating that the program was canceled otherwise why would I continue to make payments. As far as the other account it is of no consequence I have accounts with other institutions. I do request the late fees and interest be adjusted. I would like the late payment history on my credit to be adjusted as well. I called in on my own to get help I was going through a financial crisis under this thinking I could have let my accounts remain open and not close them myself.
This is an update with additional information in reference to a case I already have open with CFPB. It 's [ Case number : XXXX ] Around XXXX on XXXX XXXX 2016 Clay from Ashton & Weinberg called my dad & asked him if I was his daughter or daughter in law. After my dad told him I was his daughter. He proceeded to ask my dad if I am on his mortgage. My dad stated he is not going to talk about this information with him. He told my dad this is in reference to a civil suit. My dad said my daughter had already spoke with me & said what you are doing is illegal. XXXX offered his number to my dad but my dad was driving & declined. He called my dad again two more times on XXXX seperate occassions. He left a voice mail with my information along with his name & number for me to call him on my dads voicemail. The second time my dad answered again he was questioning about me & asked if I planned on settling this issue. First off they should n't be calling my dad let alot asking him questions regrading it. This is harassment & needs to stop.
The Equifax security breach made public XXXX XXXX, 2017 is my concern. Contacting them on-line to find out if my information was 'hacked ' requires my social security number. Why would I share that!??? Put my number out for the world when I am unable to find out if my info has already been shared. Sounds like another open window for hackers.
I have been unable to contact Equifax thru phone. My battery died after 'hold ' for 23 minutes.
I have a letter from XXXX consumer services of an agreement from XXXX for a modification on my Home Equity loan dated XX/XX/XXXX. The modification was for 2.00 % fixed for 240 months. Recently XXXX sold my loan to SLS ( Specialized Loan Servicing ) SLS is stating that my interest rate was 2.00 % and now going to 3.25 % because it 's a variable interest rate. I was under the impression that i had a loan modification for 2.00 % fixed for 240 months. Can you look into this for me or let me know another contact? My contact previously was XXXX XXXX XXXX PH : XXXX and i 'm not sure if he 's still at XXXX. I also have a case number from Consumer Financial Protection Bureau ( CFPB ) case # XXXX that was in a letter sent to me by XXXX XXXX. SLS has also not explained why the interest rate has moved up from 2.00 % as the prime rate has n't changed for a few years and it 's still 3.25 % according to XXXX XXXX XXXX prime rate By XXXX as of XX/XX/XXXX. I 've been paying at 2.00 % interest for years with XXXX before they sold my equity loan to SLS. I 've contacted XXXX and SLS with no resolution. My last contact at XXXX was on XXXX XXXX XXXXXXXXXXXX. Workflow Supervisor Lending Services-default Management XXXX Bank XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX ( office ). He emailed me stating that he would send the settlement information from XXXX to SLS, in case SLS misplaced the modification. I asked for a signed copy of it and have n't got a response from him. SLS customer service number is : XXXX. Left message and they have n't got back to me either.
In XX/XX/XXXX I closed my credit card account with Bank of America. About two months later they processed a " recurring charge '' and sent me a bill, which I paid promptly. On XX/XX/XXXX, I sent them a letter which stated : " I DO NOT AUTHORIZE BANK OF AMERICA TO ACCEPT ANY NEW CHARGES ON THIS CLOSED ACCOUNT '' and " I would like written verification from you that this account is closed and that no additional charges will be accepted. " On XX/XX/XXXX, they processed yet another charge for AAA membership renewal. AAA had notified me that the card on file -- the BofA card -- had expired. However, B of A processed the charge, billed me, thereby ignoring my withdrawal of authorization. I spoke to XXXX people at B of A and was repeatedly told that they could not block future charges, as I had requested. I also requested a letter promising to block the account and to remove me from their data base. The person said, " I 'm not authorized to do that. ''
I originally contacted Experian with a dispute on XXXX XXXX, 2015. I never heard from them. I contacted them by Telephone on XXXX XXXX, 2015 informing them that i had not heard back from them. So mailed me a credit report and that account that do not belong to me and is reporting inaccurate personal information.