WillisBack/dataset-financial-user-claim huggingface dataset:
To : CFPB Director XXXX XXXX and Chief of Staff XXXX XXXX On XX/XX/2018 I spoke with XXXX ID # XXXX of the Consumer Financial Protection Bureau and XXXX I.D . # XXXX of CFPB who confirmed that Wells Fargo violated 12 CFR Part 1026 ( Regulation Z ) section 1026.20 Disclosure requirements regarding post-consummation events.

THIS VERSION IS THE CURRENT REGULATION ( a ) Refinancings. A refinancing occurs when an existing obligation that was subject to this subpart is satisfied and replaced by a new obligation undertaken by the same consumer. A refinancing is a new transaction requiring new disclosures to the consumer. The new finance charge shall include any unearned portion of the old finance charge that is not credited to the existing obligation. As stated on your website see https : //www.consumerfinance.gov/XXXX. Consumer Financial Protection Bureau advertise that you Enforce We take action against predatory companies and practices that violate the law and have already returned billions of dollars to harmed consumers. Although XXXX stated on a recorded line that Wells Fargo violated 12 CFR Part 1026 ( Regulation Z ) see https : //www.consumerfinance.gov/about-us/the-bureau/ 1026.20 Disclosure requirements regarding post-consummation events.

THIS VERSION IS THE CURRENT REGULATION Search this regulation ( a ) Refinancings. A refinancing occurs when an existing obligation that was subject to this subpart is satisfied and replaced by a new obligation undertaken by the same consumer. Current Wells Fargo loan # XXXX was not replaced by a new obligation nor undertaken by the same consumer.Instead original XXXX loan # XXXX was renewed and extended by different borrowers and purchased subject to with a signed seller receipt of {$17000.00} and deeds signed by XXXX XXXX. A frivolous default judgement has been entered in amount {$9800.00} which have causes us irreparable damages because of the rider to deed of trust renewal and extension exhibit. The service was not legally delivered, as a result the XXXX Appraisal District has changed owner name, taxes will become delinquent as it is not legal to pay taxes on an account without authorization see Texas  Property Code, the property is not marketable. Wells Fargo refuses to acknowledge fault, XXXX would like to help but does not have the support of his bosses. Will you enforce your rules on Wells Fargo as they reuse to give a valid reason for the renewal and extension beside protecting their lien interest and a general mention of Article XV1 Section 50 with no exact subsection, they do not seen to care about your laws in particular 12 CFR Section 1026.20 ( a ) Refinancings Disclosure requirements regarding post-consummation events.

? Will you keep your promise of consumer protection as sworn to office under oath? Is it true I need to complain 2,000 times to get the CFPB to enforce their violated rules per XXXX  of the CFPB?
I moved out of the   XXXX   XXXX     XXXX   XXXX   XXXX      XXXX   XXXX  , Oklahoma on  XX/XX/XXXX . The Apartment manager had my Florida address as a point of contact when I moved out.   XXXX   XXXX   never made contact with me in an attempt collect an alleged debt for a dirty carpet and kitchen drip pans in the amount of {$87.00}. This alleged debt can not be considered " past due '' because I was never notified, and never given an opportunity to resolve this.
I was contacted by CSI   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , Ok.  XXXX  sometime in  XX/XX/XXXX . I disputed the alleged debt with CSI, and they placed a late payment/collection with  XXXX  and   XXXX    credit reports. I disputed the placement with  XXXX , and they deleted the entry. The matter remains in dispute with  XXXX .
CSI is acting in violation of the Fair Debt Collection.
I went to my local bank, wells fargo to make a deposit of {$1900.00} to pay my rent, low and behold they tell me business and personal accounts were just closed on XXXX XXXX 2017, i would have to pay any fees to fix the situation, it cost me around {$500.00} and the accounts would be reopened in a mater of mins, well i gave the teller the {$1900.00} and she began to make the deosit on her computor, then she called the back manager to ok everything, well turns out the accounts were never opened and i lost all that money, i waited a day rechecked my account and nothing, i walked into the bank that next morning and they told me they ca n't help me! still 5 days later, nothing, i spent the entire weekend trying to resolve this by phone and internet.i got nowhere. this all happened at the XXXX Branch on XXXX XXXX in Ct .The only thing i walked out of was the reciept for this entire transaction.
I have made several attempts to rectify this matter with First Citizen Bank  and XXXX. I have notified First Citizen Bank and XXXX that this account do not belong to me. This account was opened as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.
On XX/XX/XXXX, I had transferred some monies from my checking account with XXXXXXXX XXXX to my cryptocurrency account with Coinbase. I did this with my Coinbase app on my cell phone. I believe these are considered to be " ACH debit transactions '' by the bank. I made a transfer of {$2000.00} from my XXXX checking account to my Coinbase acct. This transaction went smooth. Then I made another transfer of {$5000.00} with my Coinbase app, from my XXXX checking acct to my Coinbase account -- this transfer of {$5000.00} was a disaster as the Coinbase app caused this transaction to be a duplicate transaction ; in other words, TWO {$5000.00} transactions were made instead of just one {$5000.00} transaction. 
The worst part is the money never made it into my account with Coinbase. I was only credited for {$7000.00} of my money taken from my XXXX checking account, when I should have been credited with {$12000.00}. I am missing {$5000.00} of my money. It just disappeared. The people at my XXXX branch told me it is sitting in Coinbase 's merchant bank account with XXXX XXXX XXXX and that only Coinbase has the authorization to reverse the transfer. XXXX XXXX has given me trace numbers for each {$5000.00} transfer that was sent to Coinbase 's bank. They are : trace # XXXX and trace # XXXX I have called and spoken to a customer care rep and have only received emails stating they are reviewing my claim. It has been 4 months and it really feels like I'm being stone walled and ignored. I want my money back. It belongs to me and I never authorized for duplicated transactions to be sent. I have attached a copy of my XX/XX/XXXXbank statement which shows the money debited from my account. I can't even access my Coinbase account, I haven't been able to since this fiasco happened, so I can't even view any activity in anyway.
XXXX of last year my rent money order was stolen from the apt manager 's office where I live. A police report was filed. A fraud and forged complaint was filed with Western Union. On XX/XX/XXXX I spoke with the bank that cashed the stolen money order, XXXX XXXX XXXX XXXX XXXX is assigned this case, and they would like to make resolve this issue with me and issue a refund for the stolen funds. This dialogue was opened because of my XX/XX/XXXX complaint with Consumer Financial Protection Bureau. I spoke with Ms XXXX on XX/XX/XXXX and she advised me that she attempted to get the claim information from Western Union but was transferred around and each contact she had was unable to assist her so she called me for help. I called Western Union on XX/XX/XXXX and gave the customer service rep Ms XXXX XXXX   full name, phone number, fax number and advised that she represents XXXX XXXX   and would like to resolve this issue of the stolen funds for me. I was placed on hold and the customer service rep came back on and said that she would make sure the claim was forwarded to Ms XXXX. On XX/XX/XXXX Ms XXXX called me and said she had not received the claim or any information from Western Union. I received a letter today from Western Union saying that my claim was denied by XXXX XXXX and that they are sorry but must comply with banking regulations. Western Union is the problem here. I have assurance, in writing, the same received by you on complaint XXXX, that XXXX XXXX  is more than willing to resolve this defraud that happened to me. Western Union refused to send the claim and associated information to XXXX XXXX contact XXXX XXXX as requested by her and by me. To add insult to injury, Western Union enclosed a letter from XXXX XXXX that is dated XX/XX/XXXX stating that my request was denied however I have talked and received a letter from XXXX XXXX that says the opposite. Western Union is the cause of why this issue has prolonged for this amount of time. Ms XXXX advised me that XXXX XXXX  had never heard of my fraud/forged complaint regarding this money order that occurred XX/XX/XXXX. I need help getting Western Union to give XXXX XXXX XXXX   XXXX XXXX the information she needs to process the refund they have been trying to administer to me for over a month now. Please help me.
Ocwen Loan Servicing has violated 12 CFR 226.13, FDCPA, 15 USC 1635, TILA Rescission served upon them timely. Ocwen after being served notice of Rescission, TILA in Rescission and Billing Error Notice, alleges to have sold the loan to another debt collector without providing any disclosures in compliance with federal law. Ocwen also was served IRS Forms XXXX XXXX & XXXX and thus failed to take the necessary action. Ocwen reported adverse action credit reporting agencies in violation of 226.13 ( d ) ( 1 ) 12 CFR 226.23.
I have made an application at Regions Bank over XXXX months ago. I was given a committment and the loan was schedule to close from XXXX XXXX. I was given an extension afer being told by the Bank that I needed extra time for a bond to be processed. The extension was granted to XXXX XXXX and up to date I can not get a cleared to close. I have been trying without avail for anyone to communicate with me as to what is happening on this loan. I have given up my appartment and I am a single mom with XXXX small girls and I dont know what to do or where to go. I have given the bank all the documents they required in a timely manner and I just need to know why. My previous loan officer who started the file resign and after that no one wants to do the file and has asked her why is she always tring to help these " little people ''. I guess my loan amount is too small and I am a minority.
Recently, we paid off our mortgage with Wells Fargo when we sold our home. We were communicated that our escrow funds were going on the XXXX of XXXX. I have not received the funds to date. When I contacted them, they said they hold the check internally for XXXX business days before mailing and could n't confirm when it was in the mail. This seems like they are holding my money to earn more interest in the meantime. I 'm sure it 's not a lot in terms of my loan, but would add up with many others.
I had a dental procedure in XXXX of XXXX and was given Care Credit as an option to pay the {$3200.00}. I was quite out of it XXXX. I realize now that I should not have agreed to any financial plans while fuzzy. However the dental office staff did n't give me much info and made it seem like a very standard way to pay. I was offered either a no interest plan if paid by a certain date and a fixed payment plan with interest. I 'm not even sure which plan I chose. Probably the one with the lower payment as I was financially strapped after a lay off. I 'm not sure if I signed anything. My monthly payment started at $ XXXX/mth and soon went up to $ XXXX/mth. I lost another job soon after the this but kept up with payments while receiving unemployment. Since that time I have become unable to work and have no income. My family income is down as well due to the poor economy. I have applied for XXXX but that could take a year or more. By his time GE Capital/Care Credit had changed to XXXX Bank and then to Synchrony Bank.I asked them repeatedly throughout XXXX - XXXX to modify my payments ( lower monthly payments with longer term ). I was told nothing could be done. I kept up with payments until XXXX of this year then started falling behind. Then this XXXX of this year during XXXX of the multiple daily calls from them I mentioned that if I went bankrupt they might not get anything. Suddenly I was transferred to a department who told me " they would " be happy to work out a payment plan for me. '' I was offered a new arrangement of $ XXXX/month with no interest and removal of all late fees. I said that would be great but they said I had to accept the new plan over the phone right then. I said I needed something in writing. ( They had been somewhat deceptive so far ) I was told I could only get something in writing AFTER I accepted the new plan. ( What kind of business practice is that??? ) I said " just send me an email with a few bullets descibing the new arrangement. '' They would not. I did n't know what to do. They gave my account over to a collection firm who have been relentless in calling me day and night, Sundays and holidays. Finally I thought maybe if I speak to the collection firm ( XXXX ) they may be able to offer me a payment plan AND give me something in writing. So I called them. They were able to offer me a plan that sounded similar - $ XXXX/mth for 48 mnths. This sounded OK until I did the math. If I make 48 payments of {$37.00} it equals {$1700.00}. My XXXX statement shows my new balance to be {$1600.00} ( which I believe includes interest and late fees ) and my promotional balance to be $ {$1300.00}. I just want to make a payment plan that is fair to payoff this debt ; {$25.00} - {$35.00} per month that adds up to a fair amount that I owe them with no interest and removal of interest and late fees as promised, from at least this year but really from XXXX when I first contacted them for a new arrangement.
We signed up with XXXX in XXXX yet had multiple Internet, TV, and phone outages. At first I was told we would be given three months of credit for our troubles. After that did n't happen -- due to XXXX 's shoddy record keeping -- and the outages persisted, I explained to them that since their service was unreliable we had to cancel our account with them and did not want to be held responsible for the early termination fee. The agent that cancelled my service told me this would be taken care of in early XXXX. 

Over the course of the last nearly two months, I have been told by at least SIX different XXXX representatives how sorry they are that the charge has not been removed and how they will eliminate it and it is not our responsibility. Not only have they still not eliminated it -- nor even have any record of my previous calls -- but now I am getting collection notices from Credit Protection Association threatening to report me to the credit bureaus.
Dated XXXX I received notice from Steller Recovery as well as phone calls in regards to an alleged amount owed of {$1100.00}. I sent a dispute notice for validation of debt in XXXX 2016 but never received response. They failed to send me validation of this debt. Steller is currently reporting to all XXXX credit reporting agencies of the alleged debt.
See attached letter. 

In summary, Educational Credit Management Company submitted an intentionally misleading response to a previous CFPB complaint, and continues to act in ways that violate both federal law and Constitutional right.
XXXX XXXX mortgage was transferred to Shellpoint Mortgage Servicing. Received a letter dated XXXX XXXX XXXX from Shellpoint stating the flood insurance was NOT required for my property though it was mandated by the previous mortgage company. <P/>Shellpoint 's letter indicated that if I wished to have flood insurance removed from my escrow account, I needed to notify them in writing. The flood insurance policy was canceled by the original mortgage company at the transfer of the mortgage account. <P/>On XXXX I sent an email to the Shellpoint account indicated to have the flood insurance removed from my escrow account. I received no response from Shellpoint. On X/X/17 I sent a second email informing them of the same. Again, no response. On X/XX/17 I made a third attempt at notification with no response. <P/>I recently received an Annual Escrow Disclosure Statement from Shellpoint dated X/XX/17 which still listed monthly payments from the escrow account for flood insurance.
I filed a complaint with The Consumer Financial Protection Bureau XX/XX/XXXX about Equifax having not properly resolved an account named XXXX XXXX XXXX XXXX XXXX Account XXXX, and Equifax replied to myself and to Consumer Financial Protection Bureau that this account was deleted from my credit file. I am attaching the proof to this current complaint. During this time in question Equifax did delete the accoutn from my credit file, but have since improperly reinserted and refuse to remove the account even when I notify them of the improper reinsertion. I have provided Equifax by certified letter and by fax to XXXX and have fax confirmation forms to prove they did in fact receive my complaints of improper reinsertion, however they have refused to comply with the FCRA and remove the improperly reinserted item. They have and continue to violate the FCRA by not only having improperly reinserted this item, but by continuing to act upon my demands to delete permanently the previously investigated and deleted item. Equifax did not follow the FCRA by notifying me that they intended to reinsert this item EVER. When I have spoken to the XXXX XXXX in their XXXX XXXX XXXX and made her aware of this matter she has done nothing about it. She told me to fax her the proof of reinsertion to her and the account would be removed but this has no happened.
What happened to my XXXX XXXX, 2016 's alert email? In XXXX XXXX, 2016, the associate had told me that I had to cancel my debit card ( {$400.00} ) in order to reopen my claim because I did not report as stolen card and there was no 48 hours response concerning about the 60 days period from you, back in XXXX XXXX, 2016.
My name is XXXX on XX/XX/XXXX I had my credit report ran and saw a judgement against me on XX/XX/XXXX. When I contacted Calvary XXXX ( the agency that filed the judgement ) and gave them the account numbe I was told that this account belongs to someone named XXXX XXXX and that they can not discuss the matter with me. I tried going through their escalation process to have this judgement removed but with no success. My attorney XXXX XXXX XXXX XXXX XXXX even sent them a letter on XXXX XXXX, 2015 and neither he nor I have received a response and the judgement is still sitting on my credit report, and they will not discuss the matter with me or him.
I am on an IBR plan and I made a payment on XX/XX/XXXX. Around the middle of XXXX I received a credit report from XXXX which I did not order. I reviewed the credit report and found that there was a discrepancy with the payment that I made. I reached out to XXXX and was advised to disregard and that the issue that I was calling in reference to was related to a system glitch. Two weeks later I called Navient to make a payment and was advised by the representative that she could not locate my loans. We went back and forth and she placed me on hold until I asked to speak to a manager. The manager picked up and quickly located my accounts. He could not explain why the representative could not locate my accounts and we proceeded. I told him that I remitted a payment back in XXXX or XX/XX/XXXX and after reviewing he advised that it appeared that the payment was applied to my private loan that was charged off due to me filing bankruptcy in XXXX. He indicated that he would address the misapplication and that I had the contact the credit bureaus to ensure there are n't any issues. I advised him that I will be submitting this to the CFPB and requested an advocate because I do not feel that I should have to take the time to resolve ANOTHER problem that Navient is responsible for creating. The last problem resulted in Navient repurchasing all of my loans that they sold because the representative failed to include them with the loan consolidation. Navient misapplied my IBR payment to a charged off loan and reported to the credit buearu ( s ) that I remitted payment to a charged off loan which in turn caused collection activity to occur, my credit score to be impacted and impact the status of the charged off loan to show current activity. Additionally, I received a credit report that I did not order and I do n't have any idea why which is what alarmed me and caused me to contact XXXX. I would like all of this resolved as quickly as possible as I spent almost a year of constant contact with Navient to attempt to find a solution for the loans that were sold in error and repurchased by Navient.
Elan Financial ( for my Fidelity credit card ) offered a zero % for balance transfers. The offer was not honored because I did not have the convenience checks - I do not keep many paper statements - and this was not honored by the credit card company. the case number for my quick account closure is XXXX. I feel that my credit score will be damaged due to the fraudulent reasons given to open the accounts.
On XXXX XXXX, I realized that I did not get my statement to pay my mortgage. I called Seterus who said that no statements were sent out because they were having '' computer problems ''. I was instructed to send the check in with the account number written on it. This was done. However Seterus applied it to the wrong account. I have tried for the past 2weeks for them to correct their mistake and now I am been penalized with late fees and a negative on my credit report. I have called multiple times and have been told that they see it noted but NO effort has been made to correct their mistake. .I find this very unprofessional and unethical. Can you please assist me in resolving the situation.
Equifax Inc. has clearly shown gross misconduct in handling private data that I and other consumers have at best implicitly allowed them to have. Further there was gross negligence in allowing private information to be stolen and possibly distributed in public forums. The company delayed informing the victims for at least five weeks in order for high-ranking employees to cash out stock options, and not offering a legitimate remedy for the situation besides offering their own product. I am listed as a potential victim according to their equifaxsecurity2017.com website, and am now at risk for identity theft.