WillisBack/dataset-financial-user-claim huggingface dataset:
This is my complaint against Wells Fargo bank fraudulent foreclosure practices and illegal transfer of its non-existing " servicing rights '' to a new Servicer Company AFTER Wells Fargo bank sold my wrongfully foreclosed property to a third party buyer. I demand Wells Fargo bank to provide copies of all original documents and explanations based on which they conducted foreclosure case XXXX ; and transferred my loan with XXXX to XXXX XXXX XXXX XXXX two month AFTER my unit was sold to a third party buyer. 

I during last 4 years many times contacted CFPB to complain about Wells Fargo violations of National Mortgage Settlement, all applicable laws and their foreclosures mill and money laundering business in US Courts. 
Consumer Financial Protection Bureau always mailed my complaints to Wells Fargo bank, who responded with a binder-worth of deceptive runarounds " we need more time to research '' ; and never responded on merits of my requests. All my complaints against Wells Fargo bank were closed by CFPB, without any investigation or any meaningful resolution while Wells Fargo bank always walked away unharmed As the result, at least XXXX new parties are defrauded by Wells Fargo bank 's uncontrolled criminal practices : the new property buyer, XXXX, who paid cash for the unit while Wells Fargo bank impersonators sold him a fatally defective Title ; and XXXX to whom Wells Fargo bank sold servicing rights on MY mortgage with long-bankrupt XXXX AFTER the property was sold. Clearly, Wells Fargo bank wants XXXX He and XXXX bear all damages resulted from Wells Fargo illegal foreclosures practices. 
When I called XXXX customer service to discuss Wells Fargo 's servicing rights transfer on my loan with long-time bankrupt XXXX, to XXXX, their representative had NO knowledge about the sale of my unit on XX/XX/2016 and advised that XXXX DOES NOT have any documents related to my loan from Wells Fargo bank. The XXXX representative, XXXX XXXX, further informed me that XXXX will mail a " welcome '' letter within 14 days after they receive my file from Wells Fargo. Bear to repeat, Wells Fargo during more than 4 years was not able to provide me copies of requested documents based on which they foreclosed on my property and which gave them rights to sell it to XXXX XXXX. 
Wells Fargo bank illegal maneuver with transferring its non-existing servicing rights to XXXX after my unit was sold long time ago is solely intended to cover for their massive foreclosures fraud with robo-signed documents ; and shift the burden and all liabilities on other parties. 
I respectfully demand Wells Fargo bank to stop ignoring my requests for documents and information and provide me the following : copies of all original documents related to my Loan on the property located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX ; full chain of assignment ; explanations of transfer to XXXX AFTER my property was sold to a new buyer.
I sent in a large payment ( {$13000.00} ) XX/XX/XXXX with a note stating how the payment is to be allocated since Navient ( XXXX ) does not allow you to allocate payments to certain accounts online. I also emailed them stating how to allocate my payment. This should have paid off in full XXXX loans. They did not allocate the money correctly. I have called every month and they are still incorrectly allocating my money ( now XX/XX/XXXX ). I have received XXXX letters stating these loans have been paid in full yet Navient has yet to actually show they are paid in full. Beyond frustrated that their system does not allow me to dictate how my payments are allocated if made online through their site. Their supervisors " fix '' the problem but my next month bill shows balances. It has been a never ending circus trying to get this fixed.
XXXX XXXX XXXX issues three credit cards to me : XXXX  Mastercard ( a general use card ), and two store credit cards, XXXX XXXX XXXX and XXXX XXXX. 

I earned a rewards secret for accumulated points on the XXXX XXXX XXXX card. The company sent notification that the certificate was mailed on XX/XX/XXXX. I received a mailing, dated XX/XX/XXXX, but it only contained my statement. I contacted XXXX XXXX Customer Service via XXXX XXXX XXXX to ask whether the certificate was mailed separately/ whether I should have concern that it did not arrive with the statement. The company would not respond to my inquiry other than to advise that I wait at least six weeks before contacting them with any questions. 

After the required waiting period, I again contacted XXXX XXXX XXXX via the XXXX XXXX XXXX. This time, I was informed that XXXX XXXX would not respond to me unless I contacted them via snail mail. I later filed a complaint with XXXX  because XXXX continued with unresponsiveness. 

XXXX responded to XXXX of Central Ohio that they would indeed provide the requested information. XXXX closed the complaint but, XXXX again refused to respond to me. 

Instead, the bank retaliated against me by closing all of my accounts without notice. They then proceeded to report to the credit bureaus causing damage to my credit rating. They also falsified notes on my account in efforts to justify their illegal actions. XXXX recorded in error that I requested " Cease and Desist, " stating they could no longer contact me. 

I never requested a cease and desist. On a recorded call, a XXXX representative confirmed that she had no record of my request. I made requests for available credit to be made available. I made multiple attempts, including the XXXX claim, for contact from XXXX XXXX XXXX. So, it is illogical that the Bank would record notes that I asked them to cease contact. 

Further, the reward certificate issue was explicitly related to one store brand account. However ; XXXX closed my XXXX Mastercard and XXXX XXXX as well, without request, consent or notice.
I have reported to this company that they have my information mixed with someone else. I have sent over proof identity theft to this company. This company has removed their name from my XXXX   account after I disputed with them through XXXX, and left the fraudulent reports on my Transunion and XXXX accounts. I am willing to file a lawsuit against this company! I want to be treated equally as all Americans. I lost my father and Im trying to get his house thats up for sale done its been repossessed. This company is blocking me from my right to fair credit reporting. Ive spoken to a lady name XXXX who was rude on the phone saying you people always want to complain and she hung up! Ive never been treated like this in my life. Please have this company remove the fraudulent report from my credit report and charge whom ever you have an account with. Im at a lost for word with this bank. I will file a lawsuit against them and if Im not able to get the house that my father had, they better be willing to pay for my Discrimination Attorney!
I have been a loyal customer with Chase bank for a number of years. After making a series of purchases that I had the funds for according to my available balance, I was charged three {$35.00} dollar overdraft fees when the merchants charged the money several days later. In one instance a bill I paid on XXXX/XXXX/XXXX did not get taken out until XXXX/XXXX/XXXX. I know that other banks such as XXXX have been sued on the grounds of accumulating charges in order to assess more overdraft fees and this may in fact be a similar case. 

When explaining the misleading available balance and my frustration with the excessive {$100.00} dollars in overdraft fees, the representatives called me a valued customer although there was nothing that could be done by the first respresentative. I explained that I understand if all three cant be reversed but at least two or at least one would have made the burden a little less.

I waited nearly 30 minutes to speak with a supervisor who quickly informed me of my value but there was also nothing she could do about the charges. When asked how am I a valued customer when there was nothing that could be done, the representative changed the subject and restated there was nothing that could be done. I would appreciate someone looking into the matter and I am happy to bring relevant charges against the bank institution for their financial misrepresentation.
RGS Financial of XXXX XXXX showed up on my XXXX credit bureau on XXXX XXXX, 2016 for {$120.00}. This caused my credit score to drop by XXXX points. I have never received a disclosure of debt from this business and they have done irreparable harm to my credit. I do not any clue as to what this amount of for as it was not properly disclosed of to me. I have live at the same address going on 3 years and it has been on my credit file for 2.5 years. This is in direct violation of Federal Statutes pertaining to collections. This needs to be deleted immediately from my credit file or a civil suit will follow for the fullest amount allowed by XXXX County, XXXX Court for irreparable harm to my credit file and failure to adequately disclose the debt prior to placing it on my credit file.
Experian says that I have to pay them to put a lock or freeze on my account when these XXXX are the ones that gave away my credit info.
I recently subscribed to credit monitoring through XXXX and noticed a collection account that I have no knowledge of. I mailed a 2nd debt validation letter by certified mail on XX/XX/XXXX to the collection agency listed on my credit report, United Revenue Corp, for proof of the debt, what it is for, anything with my signature on it, etc. The company sent me a one page response saying my debt is valid per their investigation but did not send any form of proof that the debt is mine, that they have anything with my signature on it, etc. I have no knowledge of this debt and it does not belong to me. The original creditor is XXXX XXXXXXXX XXXX and by doing a basic XXXX search, its a chain of hospitals in the XXXX, TX area. The letter states that I was seen in an emergency room on XX/XX/2016. I have not been to the doctors or any hospital in the XXXX area. I requested that the debt be removed from my credit report due to fraud and the fact that proof of the debt can not or will not be provided to me, the consumer who is suffering from a negative account which does not belong to me being hit on my credit report every month.
My Godson, XXXX on XX/XX/XXXX due too mortgage loan servicing abuse by XXXX XXXX and foreclosure abuse by Citibank. He was never served, the process server lied about service, and we have proof. He was only XXXX years old and XXXX in the house he built from his own savings. After his death, his father, an XXXX XXXX Veteran presented XXXX XXXX with his son 's death certificate, and asked XXXX XXXX if he could take over the mortgage because he wanted to keep the house in remembrance of his son. He also wanted to donate the house to a non-profit that house homeless Veterans with families. XXXX XXXX told the Father if he got probate then they would discuss the loan. The father a XXXX citizen Veteran paid {$2500.00} to a probate attorney and received probate, and when the father called the XXXX XXXX, they would not take the call, would not return the call and later the father found out that XXXX XXXX had went into court and had XXXX appearances in front of the court ( without serving the father ) asking to complete the foreclosure. We found a lawyer that told us she went to court and had the foreclosure reverse and that the bank must speak to the father. The problem with this we never found evidence of this hearing, and secondly XXXX XXXX hired another law firm to go back to court to get foreclosure again. Later we found out that the mortgage is really from Citibank. XXXX XXXX in XX/XX/XXXX, the father has had probate since XX/XX/XXXX but has not been able to speak to no one at either bank. Can you help? I read about the consent judgement and this case is a good candidate for settlement to at least XXXX 's Father. Thank you, XXXX at XXXXXXXXXXXX please in subject line put XXXX. We could n't find the loan/mortgage number because it was blacken out with black marker in the legal files. We are guessing its a FHA mortgage.
I signed up for the Delta Gold Skymiles Card from American Express on XXXX XXXX, XXXX. I signed up for an offer of XXXX bonus Skymiles after spending {$1000.00} on the card within 3 months of account opening. I fulfilled this spend requirement shortly after, and American Express themselves initially confirmed on XXXX XXXX, XXXX that I met the spend requirement for the XXXX Skymiles bonus ( thus verifying the bonus was attached to the account ). After this, I made a phone call to American Express customer service to follow up on when the Skymiles would post to my account, and a representative told me verbally that if I did n't see the Skymiles in my account by XXXX XXXX, I should call back. Shortly after XXXX XXXX had passed, I called back to American Express and they told me that I was ineligible for the bonus and would n't receive it, regardless of what multiple representatives had previously confirmed.
I noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. I also disputed this information with the three major credit bureaus : XXXX, XXXX, and TransUnion, who responded that the information was verified. I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
I have sent to dispute letters to remove old address. The first letter was by fax on  XXXX   XXXX ,   XXXX   where they deleted some but not all of my old address. I sent a second letter on  XXXX   XXXX ,   XXXX   that was certified with electronic receipt, the letter was received on  XXXX   XXXX ,   XXXX   and was resolved my  XXXX   XXXX ,   XXXX  . The address were not removed.
I have disputed several times the validity of XXXX Student Loans that are reflecting late payments that are incorrect. I have disputed the late payments reflecting in my CR that are incorrect. Equifax is not abiding my the FCRA laws therefore violating my rights.
Called several months ago about the chain of custody of my loan documents and proof that I am paying the organization with legal right to my debt. I was told they would send me documentation proving that they owned the debt but I have not received this documentation.
This complaint was already taken with the Federal Reserve which is forwarding the issue to you which concerns bill pay which I had a 10-year history and all my accounts with my creditors and vendors and which I was promised would be transferred to the other account this one which I opened from a core checking in Bank of America to a safe balance checking in Bank of America instead what happened was they transferred no information and I've tried repeatedly to get this addressed that it affected my financial relationships with creditors and my overall well-being and that was all information critical and important to me and Bank of America through ignorance poor execution did not do what they said and despite repeated escalation efforts did not address what they did and they cause me harm which continues to this day because the bill pay together with my primary account was the way that I interface with all my creditors as well as my US Government obligations and Banks should not be able to do this sort of thing without consequence the primary actions occurred in XXXX mid to late XXXX when they were closing the other account and they promised to move my bill pay history and bill pay accounts
I have been trying to get the medical provider to resubmit claim to insurance they said they cant its gone to collections. My insurance company said the office coded it wrong and that they needed to code correctly and resend. i tried explaining this to the collection agency ( franklin collection ) but he said if i didnt pay then he would contact my employer. I told them not to as they do not have a judgment or any other legally obligatory note. The individual called them at XXXX XX/XX/2017.
On XX/XX/2018 I was trying to pay my XXXX XXXX bill that is in collection with XXXX XXXX {$24.00} dollars, it wont let me pay anymore. im very mad they had done this before I will get a lawyer and sue them cause this is not right. I was going to pay I payed XXXX dollars last month still there rude idk what there problem is I know its in collection Im paying for it..
I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that I do not recall authorizing. this inquiry is from XX/XX/2017. I do recognize one inquiry from the same company which was on XX/XX/2017, which i now have an account under. It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry from XX/XX/2017, removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
My student loan, about a year ago, got switched to a new company. Ever since, it has been nothing but stress and problems. I prefer making payments online, a year later and their online payment system still does n't work. Every time I call no one seems to know how to resolve that issue, instead they talk you into auto payments, BUT you can only set that up for 12 months at a time. I asked if they would send a reminder when that auto payments will expire, the associate swore up and down they would notify me via email. Not only did I not receive notification at all, I have not received one email from this company, ever. I have called numerous times requesting confirmation emails for when my payment is made ( because I get them from my other XXXX student loans ), the associate resets my email and verifies it every single time, still no email. Every time I call I have to be transferred numerous times until I get the correct department. There is total lack of communication, problem solving, organization, efficiency, structure, and professionalism etc. My auto payment does not go through the same day every month, which it is supposed to. According to them if the person is n't there to run the payment, it does n't go through. I do n't know how a credit service can run a company like this. I also, did not receive any information from them for filing taxes, as I did from all my other loans. Lastly, to sign into the online payment they ask for a client account number and have a link " how do I find my client account number '' showing where it would be provided, and it is no where to be found. They do not provide you that account number anywhere.
Equifax continues to report unverified information and they refuse to verify the accounts in according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify through the physical verification of the original signed consumer contract. Equifax is in violation of this law.
Dear CFPB, The price of Ethereum crashed to as low as XXXX cents from around {$310.00} in about a second on the XXXX cryptocurrency exchange on XXXX XXXX 2017, which is being blamed on a " multimillion dollar market sell '' order. <P/>Ethereum is an alternative digital currency to bitcoin and had been trading as high as {$350.00} on Wednesday. A big price fall triggered 800 stop-loss orders and margin funding liquidations caused Ethereum to trade as low as 10 cents for 1 second before going back to a normal market value. <P/>A stop-loss order is a trade that is executed automatically once a security in this case, Ethereum hits a particular price. Margin funding is essentially trading with borrowed funds. Liquidation is when these positions are closed automatically in order to prevent further losses. The knock-on selling effect caused the flash crash on XXXX thus resulting in Liquidation off everyone 's funds. <P/>When you are called, you have to have the time to place the money in the account. What we have here is not true margin, it is leveraged, calling it margin in its own right if it wo n't behave as the SEC/FINRA/XXXX defined margin is fraudulent. <P/>The link to a chart below is a screenshot of the GDAX price showing the high and low price. XXXX XXXX XXXXXXXX I do n't mind being margin called. I DO mind not having access to a system that allows me to fund my account to prevent the call ( as is required in all US brokerage services ) All this resulted in me losing {$14000.00} because of this margin call. Screenshot that shows my account being margin called : XXXX XXXX XXXXXXXX Thank you for taking the time to read this.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX XXXX encourages questionable practices from debt collectors because they get XXXX for each claim whether it is true or not. they have questionable practices and my attorney XXXX combs goodwin stated that since this was already registered on my credit report as a judgement they can not take the case. Gap XXXX XXXX employed XXXX XXXX who constaly called at odd hours and threatned to put a lien on my house when I paid XXXX. IT is documented that I paid and noone wants to provide my statements! Gap XXXX XXXX Bank or this XXXX XXXX. The judge did not get proof of my statements and the ignored my letter that was sent before the summoned date since the debt was under XXXX. What kind of practice is this!? And when you are in front of a judge you can not even speak because they are in cahoots with the debt collectors.This debt has been paid. How do you have a corrupt judge just stamp a judgement without proof I want my statements dating my last payment of XXXX now from GAP Syncrony Bank XXXX XXXX XXXX and XXXX and XXXX from XXXX 2010 to XXXX 2010
Medical Data Systems has placed XXXX separate collection accounts on my credit report without sending any notification of a bill due. Medical services were provided by XXXX Hospital and upon discharge I was informed that any balance due would be forwarded to my address. I received XXXX statements from XXXX XXXX which stated that they were not a bill but an itemized statement of the cost of services provided. XXXX Hospital never sent another statement regarding any co-pay amounts or balances due. The account was forwarded to Medical Data Systems after 30 days of nonpayment. XXXX XXXX XXXX was contacted and they stated that we had XXXX separate accounts for payment of {$200.00}. We requested verification of the debt and tried to dispute. Instead customer ser/ice representative blamed us for not paying stating that ', " the hospital has no responsibility to send you a bill for any copays or balance due, you need to check with your insurance provider for any balances ''. We again attempted to dispute but they just requested payment. When then called XXXX who claims that the bills were sent to the insurance provider for payment and a balance due should have been forwarded to us for payment. As of XXXX/XXXX/2016 neither XXXX nor has Medical Data Systems provided a copy of the orginal statements to validate the debt. We have requested a copy approximately three times but can not get any docuemnts.