WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, California, CFPB Complaint No. : XXXX XXXX XXXX : Thank you for your response to the above referenced matter. I find that response to be rather dismissive, condescending and misleading. As Trustee of a Trust XXXX operates in a fiduciary capacity in regard to the beneficiaries of the Trust and is solely responsible for the actions and conduct of the Trust according to its provisions unless it is co Trustee with another entity or individual. To attempt to differentiate ownership between the Trust and the Trustee is patently misleading when you know that the Trustee controls all fot he actions of the trust regardless of the nature of the trust. 

I am requesting that you particularly and specifically clarify XXXX XXXX XXXX relationship to this transaction regarding the acquisition, maintenance and, subsequent disposition of title to this property. If I believe that you are intentionally attempting to mislead me I will commence proceedings with the Office of the Comptroller of the Currency and such other federal regulatory agencies as are appropriate. 

To indicate that XXXX XXXX was not involved with this matter in its individual capacity is to fail to state in just what capacity it was involved and is therefore intentionally deceitful. Do not trifle with me regarding this matter by providing half truths and half answers in an attempt to run me around in semantical circles. 

If XXXX was not the lender or servicer for this property, please state the name, address, loan number, amount and term of the loan, insurer of title and any other pertinent information regarding the lender and the same for each servicer of the lender 's loan, including the date of servicing. 

I am presently in contact with Chase regarding its involvement in this matter and it has already admitted to complicity and liability. I am seeking information regarding XXXX XXXX complicity in this matter on any level and would appreciate your full and unrestrained cooperation in that regard. 

I appreciate your time
This was parent plus loan for my son. Someone kept calling and offering to consolidate my loan. I, contacted them the rep explained the way it would work so I did do everything on my phone i canceled the consolidation process. Loan, hero /Monterey  sent ou t papers. I called them to inform them I had canceled the consolidation. She told me I would have to contact federal student which I did. He informed me I will have to pay the loan because I had 5 days to cancel.   It 's not fair for me to be paying for a loan I have never received.
Payment posting issue resulting in late fee due to either a postal delay or bank intentionally/deliberately holding onto payment and not applying payment fast enough to cause payment late and to assess cardholder a late fee. Payment due date    XXXX  .  Payment mailed   XXXX .  Payment sent first class standard envelope without tracking from    XXXX   XXXX   XXXX    to    XXXX   XXXX   . Payment should of easily been received by Friday the  XXXX . I called the bank on   XXXX   at approx.  XXXX  in regards to this matter and spoke to an agent named  XXXX . Bank agent  XXXX  stated a late fee waiver was requested and issued back in   XXXX   XXXX   XXXX   and another could not be issued. I stated to him the reason for last years late fee waiver request was because  USPS  tracking showed payment packet was delivered on time but bank held onto payment for 3 days then posted payment to account after due date resulting in an unwarranted late fee. This is totally unacceptable. In fact, criminal. Exact reason why I occasionally send out credit card payments with tracking numbers and you would be surprised how many banks hold on to payment for a few days and not apply payment accordingly and wait till it exceeds the due date to assess a late fee onto cardholders account. I have caught numerous banks in these past couple years. All banks however after explaining the matter and giving them the postal tracking numbers, waive late fee. Again, this is the exact reason why I occasionally and randomly mail out credit card payments with postal tracking numbers and I implore everyone to do so too from time to time. Unfortunately this payment did not include a tracking number. However I am confident payment was received on or by the  XXXX .
I leased a VW Passat from the VW XXXX, MA Dealership and returned it at lease end last summer ( 2016 ). I got an invoice from VW Credit charging me {$170.00} for an alleged scratch in the passenger door. The VW General Sales Manager validated that there was not a scratch in the alleged location specified by VW Credit when I returned the car in so I took a photo of the location in the car with him holding his business card in case of any issues. Soon after I got a bill and immediately called VW and explained the issue. I spoke to a man that identified himself as XXXX from VW Collections department saying that he received my note in the bill and that he did n't received any picture with the evidence I mentioned. Thus, he requested I get the VW Dealership in XXXX where I returned the Passat to fax him a letter directly at XXXX stating that there was n't any scratch in the alleged location. I requested this from the General Sales Manager so they faxed a letter stating that, and to contact them if there were further questions. I continued to receive letters from VW Credit billing me for the scratch my leased vehicle did n't ' have! I called VW Collections and spoke to another gentleman and explained the situation. He said they never received anything. I went back to the dealership and asked to please fax the letter again. They pulled it from my customer folder and faxed them in front of my eyes and got a sent confirmation from the fax machine. Again, the letters from VW Collections with the scratch amount included continue to harass me. I mailed the same letter to VW to the addresses below as well : XXXX XXXX XXXX, IL XXXX XXXX, IL XXXX I am acting in good faith and going the extra mile to straighten out my account with VW Credit but nothing seems to work. I only want them to credit the {$170.00} because it is incorrect. I am exhausted from trying to provide them with what they need to credit my account but nothing seems to work.
Currently, under Texas state law, one must pay a {$10.00} fee to either freeze or lift a freeze on a credit file. 

Given the massive breach we have seen at XXXX, freezing a credit file seems to be a reasonable short-term solution to prevent fraudulent credit accounts being opened. However, this exercise would cost a person at least {$30.00} to do so in Texas. In addition, were one required to lift this freeze for a genuine reason such as a credit application or a employment screening, one would have to pay an additional {$10.00} to {$30.00} to do so ; followed by a freeze again ; which again costs money. 

As a taxpayer, I 'm outraged that I have to pay such arbitrary fees. In addition, the freeze process takes 5 business days while the lift freeze process takes 3 business days. 

In today 's technological age, there should be no reason why the credit reporting companies can not make the freeze/lift freeze option both instantaneous and free. The cost of the technical changes to be made will be minuscule compared to the revenue being earned by these companies. The fee is purely a money-grab and an abhorrent practice. As a consumer, I should have control over my credit information and the right to keep it private. 

I urge the CFPB to enforce a code requiring credit freeze/lift be made available for free and instantaneous. In the absence of CFPB being unable to enforce such a code, I urge it to recommend to Congress that such a law be passed at the federal level. The benefits of this to consumers will be enormous.
On the XX/XX/XXXX I submitted a request via telephone to XXXX credit report agency regarding several inaccuracies on my credit report which I requested that they verify and or delete during this investigation that I requested with them. I received a letter dated XX/XX/XXXX in which XXXX 's response to my request is that XXXX 's response is the accounts are verified as accurate and updated there is one revolving involving enhanced recovery company and another regarding XXXX XXXX XXXX which is listed as verified as accurate. Which can not be true because that was a car loan I sold the car in XX/XX/XXXX so there is no way that during the month of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I  would be 30 60 and 90 days past duebecause I purchased a new vehicle and the financial institution paid off the old loan. XXXX is not doing anything to assist me in this matter. And therefore I formally am filing a complaint thank you.
XX/XX/2018 XXXX fraudulently posted incorrect credit reporting to all 3 major credit bureaus stating my XX/XX/2018 payment was late causing my credit score to drop 83 points! I have contacted XXXX ovet 20 times and they have assured me this issue has been resolved which it has not been. I have never been late on my mortgage payments. this is an error on their part which has caused a huge negative impact on my credit.
On XX/XX/XXXX a charge from XXXX was to come out of my account in the amount of {$280.00}. JP Morgan Chase bank stated that even though my account showed positive it was actually made negative by this transaction. I manually paid this through XXXX XXXX   app and Chase is saying because XXXX has it listed as a recurring payment that it was authorized this way instead of a debit same day transaction. I never authorized XXXX to setup recurring payments the bank manager said that it was because I stored my account on the website it gave them permission and they could take any funds out my account. I was charged an over draft fee not only because of this but because the banks mobile app was not working properly. The bank has pretty much told me that it's not their issue.
Navient took over my student loan from XX/XX/XXXX in XX/XX/XXXX right in the middle of a lawsuit i was a third party beneficiary in.

We won that lawsuit and settled out of court. It is a conflict of my best interest to have them mess my life up any more with their unscrupulous business practices.

I have requested in writing a copy of chain of title and they are up to their own XXXX ways again and not responding to my letters and request for proof.
On XXXX XXXX, XXXX I register for a class ( XXXX XXXX XXXX ) at the XXXX XXXX XXXX, that same day I got an email from XXXX XXXX " XXXX '' XXXX that the class is no longer accepting enrollments for the spring term as the class began XXXX XXXX, XXXX. 

Early XXXX XXXX I got a letter from XXXX XXXX XXXX XXXX that I owe {$1500.00} for the XXXX XXXX XXXX course I NEVER took. I sent a registered letter to them with the email attached and I also filed a complaint with CFPB ( complaint XXXX about XXXX XXXX XXXX, XXXX. ) They put a negative mark on my credit report. They removed it and I also request them not to sell the fraudulent debt to anyone. 

Low and behold they did, they sold it to Conserve who just called me at my job XXXX/XXXX/XXXX XXXX. I request them not to call me at my job and to correspond in writing only, which I got a letter from them on XXXX XXXX, XXXX.
Amerifinancial solutions is reporting accounts on my  XXXX  report. The address   XXXX   is listing for,  XXXX  to contact them is not A GOOD ADDRESS. I sent company a validation letter and received envelope back stating no account. How am I able to get this date validated if I ca n't reach them?
I have done business with Tower Loan in XXXX, La ( XXXX ) before, last year in fact. However, when I had issues making payments they never gave me a hard time and worked with me. I was never more than a week or two late and thankfully I ended up paying them off early. In XXXX of 2016, I took out another loan and this month following the holidays and an issue that I was settling financially I ended up being 30 days late. When the branch manager called for my payment I told her I was n't able to pay at the moment, that I could make both last month and this month 's payment in two weeks and my account would be caught up. She rudely told me that would not work and they would start a suit and she would come to my home to collect my collateral. I 've never in my life been threatened for a payment of any kind .... can they just show up at my home and file suit after being late 1 payment? My contract mentions arbitration after 'good faith ' can not be met or what not, surely that 's not referring to being being behind 1 payment in two loans you 've had with a company?
From XX/XX/2016, to XX/XX/2016, no Capital One Bank personnel or emails/correspondence ever corrected the unfair, incorrect, confusing, misleading, misinforming and confirming information I was given by a Capital One XXXX number customer service representative on XX/XX/2016. I was unfairly, wrongfully, incorrectly, misled, misinformed and confused to believe that several consumer reporting agencies were used to determine my credit score and no Capital One Bank personnel ever informed me that statement was totally unfair, wrong, incorrect, misleading, misinforming and confusing and because of that very simple fact, Capital One Bank must and should remove all of the Capital One Bank related inquiries on my XXXX credit file. I 'm looking into all of my legal options and I do plan on suing Capital One Bank for personal financial damages, improper, confusing, misleading and misinforming business practices, tactics, information gathering, investigating process, information provided to me and representation of product.
On XX/XX/XXXX I went and purchased a used XXXX XXXX XXXX from XXXX XXXX that is located at XXXX XXXX XXXX XXXX XXXX, Texas XXXX. The vehicle was a pre-certified XXXX model. The payments should have been {$320.00} per month with a 72 month contract agreement. 

I was told by the loan officer to get the extended warranty, so that if anything happened to the car it would be covered. This brought the payments up to {$390.00} a month. 

Since then I have moved to South Dakota, and I had to bring my car into Granite XXXX in XXXX XXXX for a few repairs. That was on XX/XX/XXXX. They looked up my Vin Number, and  asked why I was paying for an extended warranty when it was already pre-certified car. Good question I asked. I didn't know that everything was already covered with that. Being a woman I was taken for granted by the sales man, and the loan officer. I have been paying that amount since XX/XX/XXXX which comes to ( including interest charges ) : {$4700.00}. 

I am asking for a full refund, plus interest on all of those months paying for something I did not need. 

I only owe another 19 months on this loan, and calculating that including interest, another {$2100.00} should come off of the loan agreement since that amount was tied in with the contract agreement. 

By looking at that I should only owe XXXX another {$4700.00}.
Experian Report # XXXX Notices XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX is a resident not no retail business as stated by Experian. Experian needs to stop putting incorrect information and creating address and false information and stop adding made up address with incorrect information. Every other few months Experian has this pattern of false. Stop creating false address for profit to sell.
I also filed a dispute with you folks ( consumer finance protection ) XXXX. 
The problem is this. If any financial institution looks me up on Equifax dada, Equifax tells them I am dead. I am not dead. I need to get Equifax to stop telling people I am not dead. The initial response from Equifax does not address their reporting me as dead at all. Please make Equifax correct their records and reporting. I am not dead.
Over the last 12 months I have sent multiple letters to Equifax stating XXXX XXXX wrote off this account for company tax purchases. It should not still be on my credit report because XXXX XXXX took the tax credit once this account was written off. 

XXXX XXXX
I have never had a XXXX credit card. When contacted about the debt I replied I was not my debt. They never responded or validated the debt. Instead they reported it to all the credit bureaus after I stated it is not my debt. They robo called myself and my 2 sisters, 3 nieces and parents claiming they are looking for me in conjunction of a lawsuit. 
I have the call taped.
On XX/XX/XXXX I deposited my paycheck via mobile app to UMB Bank. An hour later a account representative contacted and asked if the deposit was made by me and I told her yes. She asked what the check was for I told her it was my paycheck. She then said ok and said that was all she needed to verify it was not a fraudulent transaction. A couple hours later I received another call from her again she stated they would have to hold the check for 7 business days due to account activity. I asked her what that meant she said she was not told why. I pleaded with her that this was my paycheck and I need to pay my bills with it and feed my children and that if they couldn't release my funds that I would to just go to my other bank and deposit the check she said she would talk to her account manager and give me a call the next day. The next day came and I heard no response back so I contacted the bank and they said that they could not release the funds or the check due to it being with the Fed already. I asked to speak to the account manager because not only was my check being held from me but now my account was frozen due to the fraud department placing a hold on the account. The account manager was not very helpful or caring about my situation. I have had this account since XXXX and I don't understand why they have to hold my paycheck. I am very upset about this, the account manager said the funds will not be released until midnight of the XX/XX/XXXX, that means they sent the check to the FED on XX/XX/XXXX after I had voiced my concern about it, so who is being fraudulent now.
Had a doc visit from XX/XX/2017. Had a XXXX copay tried to use my health savings card but Reilized it was expired. So I payed cash to the office which is part of XXXX XXXX. 
They have threatened jail time. Law suits, use very profane words when I attempted to contact them. 
I have spoken to XXXX XXXX about this and their billing told me it was paid by cash. And why am I calling them.
I received a letter dated XX/XX/2017 from Citi, XXXX XXXX XXXX, XXXX, OR XXXX, that indicated I previously enrolled in Citi IdentityMonitor offered by Citibank N.A., and I was charged a monthly fee. I believe that I was enrolled without my consent or knowledge, and when I attempted to go to the link referenced in the letter ( XXXX ) it did n't work. The letter tells me to submit a claim before XX/XX/2017 and enter reference number XXXX to get started ; and the letter states that submitting a claim does n't guarantee a refund. It also states that additional information is available at XXXX. The bottom of the letter references a Tracking Number : XXXX.
wells fargo refusing to issue statement for auto loan itemizing fees and interest never received statement called several time all 4 reps were unable to provide resolution or explanations
I filed a complaint with the necessary appended documents against Ditech on XX/XX/XXXX with CFPB and it is case number XXXX. On XX/XX/XXXX Dietech responded to the complaint in an unsatisfactory fashion. I expect to know when I will get clear title to my property, a detailed accounting of my escrow account and evidence that my credit history is clear of anything related to Ditech. I paid my mortgage off XX/XX/XXXX and this is still open. The contact telephone number given by Ditech allows only for a recorded message to be left. Once again they are avoiding any contact with clients.
I received an invoice letter from XXXX XXXX, dated XX/XX/19 for {$550.00}. I have never heard of this company and haven't ordered from this company before. 
They said that I placed an order but due to the high amount, they are unable to process without some advance remittance. They asked me to mail a check, money order or credit card ( for the above amount ) and they will process the order immediately. 
I called the number XXXX. It said that all agents were busy and put me on hold. 
I contacted the Federal Trade Commission and put a fraud alert on my credit report.
For the past month, Wells Fargo has been unwilling to send/transfer money from my IRA account to XXXX XXXX XXXX XXXX for Single Premium Annuity product I purchased. I have provided them with the necessary paperwork and have visited the XXXX, GA branch on two different occasions to resolve this matter. The personal banker has sent the requested paperwork interoffice and I over-nighted the same paperwork. I received a call from the XXXX, GA branch on XXXX/XXXX/2016 and was told the IRA department has not received the paperwork. I have a 30+ year relationship at this bank. I ca n't understand why this process is taking so long.
In XXXX of 2016, Midland Funding/Midland Credit Management added a collection to my credit report for {$2600.00}. This alleged debt did not originate with Midland Funding and they have failed to provide me with any documentation with my signature on it stating I owe this debt. It is a violation of The Fair Debt Collection Practices Act and I demand this action be removed from my credit report and all threats of litigation and any pending litigation be halted immediately.
Regarding previous complaint #   XXXX  . I received  General Revenue 's   correspondence and it was mailed to the wrong  apt number.  Please mail correspondence to   XXXX   XXXX  . Or better yet, please submit all correspondence through this web portal CFPB. Thus the fake correspondence is a print out of the alleged item that 's on the credit report. It is not an actual contract or agreement- anyone can draw up a fake bill. Per FCRA I am requesting the  Method of Verification.   Please produce the actual contract or agreement with my signature from the alleged creditor. In addition, I need the the person 's Name, Address, and  Telephone numb er who verified this alleged item.
Bank of America ( BAC Home Loans ) is reporting my loan XXXX days late for the month of XXXX 2013. 
This account was never late. I am not just frivolously saying that. It really was NEVER late. 
This account was on a trial period and payments were on time. There is absolutely NO reason for this account to be reported late. Bank of America has been giving me the run around for over 1 year about this. They admit it should n't be late but no one has a clue how to fix the credit reporting. This has been seriously damaging to my credit rating and causing extreme distress. I am at my wits end with this. This late mark needs to be removed now.
Ocwen Loan Servicing , LLC, has reported to the credit bureau, that I am continuous latewith my mortgage payment. There by damaging my credit rating. I have not been latein making my payments. I would like them to remove the late statements.
Yesterday, DriveTime called every 2 hours starting at XXXX I placed a complaint. Today they started a XXXX and then again XXXX. I am not even 24 hours late on my payment. This is excessive and annoying my goodness I 'm at work and I know why they are calling. When I get off work I will take care of it. They need to learn positive collection practices, ticking people off is one way they loose customers and have so many repo 's.