WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX, 2016 RE : Wells Fargo Account # XXXX To Whom It May Concern, I am writing you with numerous concerns that I have with my Wells Fargo " Student Loan '' ( Account XXXX ). About five years ago, I setup a consolidation loan with Wells Fargo for my private student loans. Unfortunately, over the course of the last five years, I 've discovered that this loan does not work like a traditional student loan. Please see my list of concerns on this loan below : This " student loan '' is NOT deferable if I chose to further my education ( pursue my XXXX degree, etc. ). 
I frequently end up with mysterious late fees. Every time I call to make payment, the representative from Wells Fargo tells me that I have past due balances that need to be paid ( this happens even when payments are made on time ). Each time I tell the representative that I want to pay the total amount that is due. However, it seems as though I am frequently told to pay the incorrect amount and I end up owing late fees in the future. 
I am troubled with this loan because it claims to be a student loan ( when it benefits Wells Fargo ). Additionally, it claims to be a private consolidation loan ( also when it benefits Wells Fargo ). If this were truly a student loan, I would be able to defer the debt while I further my education ( unfortunately the aforementioned option does not apply ). Also, if this were a private consolidation loan, I would be able to absolve this debt with a bankruptcy ( again the aforementioned topic does not apply ). 
In closing, please know that I have previously attempted to solve this situation directly with Wells Fargo ( on numerous occasions ). Also, I 've even spoken to members of their Executive Office. Unfortunately, no one at Wells Fargo has been able to help me with my concerns. Any action or guidance that you are able to present on this situation would be greatly appreciated. Thank you and I look forward to hearing from a representative at your office. 

Best regards, XXXX XXXX XXXX XXXX - phone XXXXXXXXXXXX
XXXX XXXX I have received my request for ICR and my three loans interest individually are 6.840 7.000 6.310 so that means it should be 6.716 or rounded 6.72 % which we discussed on the phone. The letters said that it will be 6.75 % which is clearly not the correct Interest rate, I mean a XXXX year old can do that math. MEANWHILE they said I could not do this until I was out of my grace period so I have to be in a forbearance until XXXX for approval. I will be accruing interest during this time. With the lawsuit against Navient I just have absolutely no trust in them at all and every time I call I feel like I am being lied to.
I sent in XXXX for an appraisal over a month ago.It was for eliminating PMI. Seterus told me it would be completed 3 weeks ago. They cashed my check but never did the appraisal. I 've called twice but the girls who answer the phone have no answer. Senator XXXX office sent a fax a week ago today. -- still no answer.
I believe that I have a legitimate complaint against XXXX XXXX XXXX XXXX. This problem started when I lived in the state of XXXX  and right before I moved to the state of XXXX. On XX/XX/2017, I made a trade in on my former vehicle. The deal was finalized on XX/XX/2017. The payoff was requested and the transfer of vehicles that same day. The payoff from XXXX XXXX XXXX XXXX was requested by the finance company implemented by the dealership. However, even though the transfer was finalized well within the 30-day timeline to be reported late, XXXX XXXX has violated my rights under the Fair Credit Reporting Act on several levels. Most importantly, this organization has hundreds of complaints against their reporting and collection methods on the internet. The reporting shows as follows on all three respective credit bureaus : EXPERIAN : 30-days late XX/XX/2017, XX/XX/2017 and XX/XX/2017 XXXX  : 30-days late XX/XX/2017 and XX/XX/2017 XXXX XXXX : 30-days late XX/XX/2017 and XX/XX/2017 This reporting is absurd, as the transfer date should have been the date of wire transfer of funds releasing title to the dealership. XXXX XXXX XXXX XXXX has gone through large measures to cause major damages to my personal credit report. The late payments need to be purged immediately and permanently. I believe that XXXX XXXX XXXX XXXX is also in violation with their subscriber agreement with Experian, XXXX  and XXXX XXXX respectfully. I am posting a complaint with the major credit bureaus directly. I simply cant purchase a new home with the way this particular credit trade line is reporting, and its simply a clerical error ( s ) with XXXX XXXX XXXX XXXX being the sole responsible party. This matter needs to be addressed and corrected immediately.
This is my SECOND COMPLAINT. I received no response to the original.
My name is XXXX XXXX. My mother 's name is XXXX XXXX. We lived at the same address for some time. Her social security number has 3 digits different from mine. I submitted a dispute to the credit bureaus to have her information removed from my file. I sent them a detailed cover page with the name differences and her addresses vs. mine ( attached ). I also sent a copy of her bankruptcy filing, schedules and listing of credit items that were HERS and in HER bankruptcy. They did absolutely nothing with it.
I understand there is some rule used by the bureaus that if an address is on more than one or two items, they do n't remove it..the same with names that are on the file. But this is MY MOTHER 'S information. I would like for CFPB to use this in your published articles. Credit Bureaus should not be allowed to simply say : " These companies say this is yours so tough ''. The Bankruptcy and the following accounts were included. XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. I have included her bankruptcy schedules showing these items discharged in HER BANKRUPTCY ... but I also sent this to the bureaus and they ignored it.
This would be a very good issue to publish as it details the problems with information getting mixed up on family files.
I wish to submit a formal complaint against my lender Selene Finance XXXX. They have been a pure nightmare for me and my family since XXXX XXXX XXXX transferred my loan to them in 2013. The customer service representatives are not very helpful at all and they tend to practice lying about mailing out any information requested by me, the homeowner. I have called numerous times in regards to my loan modification process. I was misrepresented as to the timeframe of when I needed to start the loan modification process. They have intentionally not been applying my mortgage payments in a timely matter which has further placed them in a suspense account, so that I can incur late fees. They also intentionally do not send updated information to their Bankruptcy Legal department reflecting that my account is current and up to date. They have even gone as far to send back electronic checks that have already been deposited yet I have not been given credit for, nor have the money been redeposit into my bank account. I feel that I am currently being force into foreclosure. I wish to save my home, because I have a son about to go off to college and XXXX little girls under the age XXXX.I appreciate your response to this matter and resolution.
I have a Capital One Credit Card and Ive a few problems. 

First, when I made my first monthly payment, it took approximately 5 days to take from my checking account, as there was an option to take from my debit card. 

It took too long, I didnt have the money in checking account for my monthly payment, and it bounced back, and I was charged with XXXX {$25.00} return fees. 

The next month I was charged a past due few of {$25.00}, interest in the amount of {$6.00}. 

The following month a past due few of {$35.00} was charged, and an interest fee for {$7.00}. 

The next month, another {$35.00} past due fee and an {$8.00} interest fee charge. 

Thats over {$100.00} in fees. I dont think thats fair at all. 

I called the company and they told me if I paid the balance on the card they would see about crediting the fees, and thats not acceptable as a consumer.
I recently have been disputing this account on my credit report. I do not agree with the balance they claim i owe. Well after 3 months of disputing this account for some unknown reason XXXX  XXXX XXXX decided to increase the alleged amount owed. The balance was {$6700.00} which i didn't think i owed that much. Now i just checked my credit and they have increased the balance to {$7100.00}. This is illegal to randomly after 5 years of non payment increase the amount i owe. This is inaccurate information and a violation of the FCRA
XX/XX/XXXX, I received a notification from Experian XXXX XXXX, saying that my XXXX score had decreased by XXXX points. Upon examining my report, I noted XXXX specific account as the cause - specifically, an entry of " 30 days late '' was made for my SYNCB/Amazon credit card account that begins " XXXX ''. 

I contacted Amazon on XXXX XXXX, XXXX, and was informed that an outstanding charge of {$42.00} existed and was overdue. I was told that this charge occurred in the state of Georgia. 

I informed the customer service representative that : ( a ) I had not charged the item on my credit report, and ( b ) I had not authorized anyone else to make that charge. Furthermore, I had never been in Georgia. The consensus between myself and the customer service rep. was that the charge ( s ) accounting for the {$42.00} were fraudulent, and my account was closed. 

Perhaps two or three weeks later, the XXXX-point deduction from my FICO score was reversed, and my credit report indicated no late payments for that account. 

Having closed that account to prevent more fraudulent purchases, SYNCB/Amazon opened a new account for me, and provided a new credit card ( which, for your reference, I have not used ). 

Today is XXXX XXXX, XXXX. About 1 week ago, I was notified by XXXX of a XXXX-point deduction from my FICO score. I checked my report immediately, and saw a " 30 days late '' entry for XXXX, XXXX on the new, open account [ the previous account, beginning with the same " XXXX '', was still closed and without any late entries ] Today, I spoke with XXXX different individuals at Amazon. After asking each person [ on XXXX different phone calls ] why this " 30 days late '' entry has reappeared after presumably being resolved [ the previous XXXX-point FICO deduction had been reversed ], I was transferred to the " Investigations '' department. I managed to listen to music on the phone for several minutes each time, but was never able to reach that department. I tried the following XXXX numbers : 1 ) ( XXXX XXXX XXXX 2 ) ( XXXX XXXX XXXX 3 ) ( XXXX XXXX XXXX The first phone number appears on the credit report. The person I spoke with at that number gave me the XXXX and XXXX numbers. XXXX of the XXXX people said that an investigation had concluded that the {$42.00} was not the result of fraudulent charges. I said that, if the {$42.00} was deemed to have not been fraudulent, then they must have concluded that I either initiated the charges myself, or that I had authorized someone else to make those charges, and I asked to see evidence that I had somehow produced those charges, either directly or through another individual. At that juncture, she tried to transfer me to the aforementioned " investigations '' department, but I hung up after approximately 10 minutes of music on the phone. 

The {$42.00} charge no longer appears on either the closed account or the newly opened one ; my current balance is {$0.00}, but this is irrelevant compared to the impact on my credit report. Unless SYNCB/Amazon can show evidence that I initiated or authorized the {$42.00} charge ( s ), **I feel that my FICO score should not be negatively impacted as is now the case. **
XXXX PULLED MY CREDIT WITHOUT PERMISSION AND IS UNLAWFULLY REPRTING THIS ACCOUNT ON MY WIFES CREDIT REPORTS IN VIOLATION OF FCRA, FDCPA AND DODD-FRANK ACT.
I noticed items on my credit report that didn't belong to me. I have been compromised by data breaches and a victim of Identity Theft. The following accounts do not belong to me : XXXX XXXX XXXX - Account Number : XXXX, XXXX XXXX XXXX - Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX, XXXX XXXX XXXX XXXX - Account Number : XXXX, XXXX XXXX XXXX  - Account Number : XXXX, XXXX XXXX - Account Number : XXXX
I have been a customer of Navient for the life of my student loans. Over the years I have had many small challenges with the company, but more recently ( as my debts have been paid off more aggressively ), have encountered serious oversights from the loan service. Most of the time, I just let it pass, but this time is different. Like everyone repaying their loans, I have a monthly amount that I have been paying over the course of my loans. This amount is deducted on the XX/XX/XXXX of every month. Around 3 months ago, I got a message from Navient informing me that " If you make an Overpayment on some or all of your loans, you may advance your next payment due date, which can cause a future Auto Pay payment to be processed as an Overpayment. '' This is a great option for some people, but not an option I wanted on my loans. I went into my account and found that they had automatically selected that if I make an overpayment ( which I have been doing every month ), they would push my next autopayment to the next month. Seeing this, I selected a new allocation method wherein my autopayment would NOT be pushed to the next month if I made a payment and I would be billed for my full autopayment every month, despite the extra amounts I paid on my account. Today, the day in which my monthly autopayment is supposed to be processed ( XX/XX/XXXX ), I see that they have pushed my autopayment to next month ( XX/XX/XXXX ), against my direction and wishes. I have attached 2 screenshots in which you can see my autopayment history on the 1XX/XX/XXXX, but the next autopayment is indicated as coming up on XX/XX/XXXX ... completely skipping over my XXXX autopayment. I see this as a way to keep me hooked onto my loans longer, paying more interest, and pushing me to pay longer. If I weren't actively involved at looking at my loans on a bi-weekly basis, I wouldn't have caught this move from Navient.
When I originally opened my card there was a problem reconciling the balance vs what I actually charged and paid. I called in to have it resolved and it was fixed however, they were unable to tell me why there was a difference ( in their favor ) in what was actually on my statement, what I charged/returned and what the balance actually was. Fast forward to today, I have been attempting to order items since XX/XX/XXXX. The first order was cancelled, I called to find out why, I was told it was cancelled due to an error. I resubmitted the order on XX/XX/XXXX, it was cancelled again. Still without reason. Now I notice that my balance isn't adding up. I asked for a review, no one can tell me how to get that done. I was given a {$50.00} gift card for my trouble, however my account is not corrected. On XX/XX/XXXX my 3rd order of the same product was AGAIN mysteriously cancelled. I was on the phone and emailing for hours. No reason. I again asked for my account to be fully reviewed. I was told that the transaction did not go through on my account so my balance was correct. This is absolutely wrong. My balance has shown different amounts every time I've logged in yet there are no actual transactions on my account. Today was the final straw. I asked specifically for an investigation and executive review and was told that they were unable to help and I needed to again call the credit department. I advised that I am not making another call. I've spent endless hours on the phone with XXXX 's no one takes responsibility and sees an issue through to correction. Since I had an issue with the very first transaction, I asked for a full accounting and review of my account debits and credits since account opening. I believe XXXX 's is incorrectly accounting charges and returns. The discrepancy is very slight and not obvious nonetheless, it is an amount of money that is not rightfully XXXX 's. Any transactions made to an account must be shown on the transaction history and statement. This is consistently not the case with XXXX 's.
I accessed my Wells Fargo account on-line in order to make a transfer from my checking account to another bank ( XX/XX/XXXX ). While entering the transfer information, I recognized that the last four digits of the XXXX XXXX account had been changed, and did not match the actual account numbers for XXXX. I stopped the transfer and called the Fraud and Security number at Wells Fargo, and deleted the transfer information for XXXX XXXX. I also sent an e-mail to Wells Fargo telling them that someone internal to Wells Fargo had changed the account numbers, and any transfer I made would not have been to my actual XXXX account. ( This was the second time I had the numbers on an account changed ; my Wells Fargo savings account numbers were changed about 3 years ago. My HRA deposited all my health reimbursements to that account, and caught the change in account numbers and called me. ) The phone call to the fraud unit resulted in the Wells Fargo unit cutting off my access to their on-line website, and then refusing to reinstate service until I went to a branch office to prove my identity ; they would not accept my SS number or my information on my checking account activity, such as last deposit made. I went to the branch office on XX/XX/XXXX, and a bank officer made the calls to their fraud unit to get my access to my own accounts reinstated. In spite of the bank officer calling from her office, and having my drivers ' license, checkbook, and all my information, the customer service person ( XXXX? ) proceeded to interrogate me and refused to give me access to my account until she completely went through her procedures. After an hour and 10 minutes, the bank officer tried to re-establish my access on-line, but it was still blocked. After we were put on hold several times, a new voice said our wait time would be 20 minutes more. We terminated the call and the bank officer said she would file a formal complaint, and would keep trying to gain access. She was unsuccessful, and I had to return to the branch office on XX/XX/XXXX. She again called an internal Wells Fargo unit, and we were successful in reinstating my access to my account. At no time was there any concern about the account numbers being changed. I am now in the process of getting 4 direct deposit monthly payments changed to another bank ; I have closed my savings account and deleted all other transfer accounts. Again, Wells Fargo never addressed the core issue of account numbers being changed internally by unknown Wells Fargo personnel.
There was inquires from American Express TRS on XX/XX/2017, XXXX, XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017, on my credit that I never authorized. I do recognize one Inquiry I did on XX/XX/2017 and I authorized this myself! Tried reaching out but got no help
On XX/XX/XXXX or XX/XX/2019, I opened a Schwab Bank and Schwab One account. Schwab had requested additional details such as a proof of address and identification to complete the opening of the account. 

The client data verification department of Schwab had successfully verified my details approximately the end of XX/XX/XXXX. Approximately a day later, my online access to Schwab was blocked and suspended due to 'security reasons '. 

Calls to Schwab had indicated a fraud flag, and multiple calls ( over 8 ) to Schwab went unanswered as the representative was told that the fraud department does not speak with the client directly. 

After a week, on XX/XX/2019, another call was placed, and a Schwab representative informed me that the account was closed without notice by the fraud department. 

Unfortunately, the lack of communication and reasoning by Schwab is ludicrous, as well as the multiple phone calls and communication attempts that were needed to gain even a single piece of information.
XXXX XXXX - Banking Center President of XXXX showed unprofessionalism by taking the initiative to say Prosperity bank is not willing to accept customers with issues like XXXX. As an XXXX myself he decided to laugh in my place and say ; listen to this guy ' What options do I have
I keep trying to submit for a bank acct specifically with chase and a few others and this website keeps popping up as the reference to why i keep getting a denial. I had my identity stolen i have submitted information to all credit reporting agencies as well as companies the police reports and the result in filing a discharged bankruptcy.
This is my second complaint against my wife 's mortgage company, PennyMac of XXXX, CA. XXXX. 

She was the victim of arson back in XX/XX/XXXX. Her insurance company shelled out nearly {$10000.00} for the repairs. We 've received less than {$20000.00} and that was back in XXXX. We have yet to see a check in XXXX. We have done everything they 've asked and yet we ca n't get XXXX money to repair our home. Too many excuses. 

My wife was given a trial modification. She paid all 3 months as required. She was then given a permanent modification starting in XXXX and yet we were still served with foreclosure papers. We had to go to court to let them know we were in modification. Can someone please explain to PennyMac that dual tracking is against the law? Can someone please serve PennyMac with a copy of the National Mortgage Settlement Act of XXXX so they will have their very own copy? it appears no one there has ever heard of dual tracking. At least that 's what they tell my wife when she calls. This is my final complaint. My next action will be in a court room.
Credit report indicates I have opened a credit report with XXXX XXXX XXXX on XXXX XXXX, 2017. I have contacted the company, both by phone and by mail and informed them that I have NOT initiated opening of an account with XXXX XXXX XXXX, not authorized anyone else to do so. And I have filed a dispute with the Credit Reporting Company ( Transunion ). The response from XXXX was " we have determined the account information submitted by Cardmember Service to the consumer reporting agencies is accurate ''. Further attempts to contact XXXX have not been fruitful.
The company is trying to collect on a debt that does not belong to them, they are also sending me harassment letters. I also do n't have an account with them, nor have I signed a contract with them
I received a document delivered by the Sheriff of the county I live in. I was not home and the document was attached to the front door of my residence. I immediately called the Sheriff once I got home and read the document. The document said I owed a debt and listed the dollar amount of the debt on the document. The sheriff and other unknown persons were able to see my personal financial information. The debt collection agency threatened to take my vehicle as payment if I did not call them immediately and set up a payment plan. The sheriff also called the debt collection agency and he was told too that they would take my vehicle as payment if I did not call and set up a payment plan. I began to have a XXXX XXXX and contacted my M.D. I was prescribed XXXX to control my XXXX and prevent me from XXXX. I began to suffer from XXXX the same night as the document was left on my front door ; I returned to my M.D. suffering from XXXX and prescribed XXXX. After I got myself healthy adn back on track I was able to stop taking the XXXX but I still suffer from XXXX as I look over my shoulder feeling as though someone is going to take my vehicle as I go into XXXX to pick up a few groceries. It 's an awful feeling and as I am unemployed but actively looking for employment ; a payment plan is impossible as I am living off of my savings after moving into my mother 's home unable to pay rent or live independently due to unemployment and lack of money. My vehicle is paid off but the debt collection agency said they put a hold on the VIN so I could not transer the title into another name ; the hold on the VIN makes it impossible to sell the vehicle and buy a cheaper vehicle in order to make a lttle profit.