WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2016, I received a letter from Wells Fargo Card Services informing me that my credit card account had been closed. ( I am attaching the letter to this complaint ). The reason provided by Wells Fargo was that there have been unusual activity on my account that that because Wells Fargo had been unable to reach me they had closed the account. Please note that I have not been contacted by telephone, mail, email or in any other matter by Wells Fargo concerning any aspect of the account. 
On the same day that I received this letter, I contacted Wells Fargo Customer Service. The customer service representative told me that she did not know why the account had been cancelled. She then kept me on hold for 6 minutes while she supposedly checked with the Fraud Unit. She came back to tell me the Fraud Unit had not cancelled the account, but that the account was cancelled by the Collections Department. I inquired why my account was in collections because it had not been past due and I had received no notifications ever from Wells Fargo that the account was past due. I then asked to speak to a manager. After another 7 minutes on hold a manager came on to inform me that he would transfer me to Collections. After another 6 minutes on hold he came back to state that I would need to send a photo ID to collections in order for them to discuss the matter with me. I found this to be completely unacceptable. At this point, I do n't much care if all of my accounts at Wells Fargo are closed because I am utterly dismayed by the incompetence of everyone at Wells Fargo. However I want to know why my account was closed and ensure that there has been no adverse actions initiated by Wells Fargo against me or my account. I also want to ensure that others do not have to deal with the gross incompetence that I have endured in trying to resolve a matter related to my account. I am hoping that the CFPB can help Many Thanks
Former address is incorrect. 

Equifax Former Address XXXX XXXX XXXX XXXX CALIFORNIA XXXX Equifax I have never lived in California and I believe this address may be connected to someone who lived there stealing my identity.
XXXX XXXX, XXXX Office of Consumer Financial Protection Bureau Dear Sir or Madam, I am requesting that Toyota Motor Credit Corporation be reported into the category of companies that are using deceptive and unfair business practices against American People. 

In XXXX XXXX, I contracted a car loan with Toyota Motor credit to purchase a car XXXX XXXX with XXXX # XXXX for a length of five years contract in XXXX XXXX XXXX XXXX, California. 
In XXXX XXXX, when I lost my job due to the Economic recession, my car was repossessed after I missed a payment with a remaining balance of the amount of {$1500.00} to paid off my auto loan. 

XXXX never responded to my inquiries to know how much my car was sold? What have they done with my belongings ( XXXX )? 

After almost after 14 years, I am still paying thousands dollars of hoax interests to this group of XXXX Toyota Motor Credit and their corrupted collecting agency law office of XXXX. 

I am asking to the CFPB to request from Toyota Credit Motor on my behalf, the legal copy of the document of the sale of my repossessed car ( XXXX XXXX with XXXX # XXXX ) with the amount that the car was sold in that year. 

IF Toyota Credit Motor refuse to show this documents, then the CFPB must give order to Toyota Credit Motor to stop its deceptive collection business practices on my account. 


Sincerely, XXXX,
NCB Management Services , Inc. has listed an alleged debt on my three credit reports which I have no firsthand knowledge of and no contract in existence proving the debt reported is legally valid. No solicitation of service was ever performed and no request for the services this organization provides was ever requested by me. I have sent four certified letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( receipt attached ) and XX/XX/XXXX ( receipt attached ) requesting verification that the alleged debt ( {$4400.00} ) is mine, including any documents bearing my signature agreeing to this alleged debt. NCB Management Services , Inc. has responded to the letters from XX/XX/XXXX XX/XX/XXXX with printouts of a bill and itemized documents ; however, they have just responded with a letter only to the request for signature validation on XX/XX/XXXX letter which also informed them that according to FTC opinion letter from XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. I have yet to receive any verifiable contract or document bearing my signature. I am requesting that since they can not provide indisputable proof bearing my signature of the alleged debt, that this account, including the Original Creditor ( XXXX ) be removed from all three credit reports and that this collection agency cease and desist from trying to collect from me.
Santander Bank charges a $ 5 monthly fee whenever the " value '' checking account average daily balance for the month drops below {$500.00}. That 's OK and clearly described in their terms. The problem is that they post the fee on the first day of the new period, the day after they send out the statement for the period for which the fee is levied. This means that their customers checking balance is {$5.00} less than the customers expect, and for those customers who live on the edge, might result in hefty overdraft charges. I believe that sticking those unfortunate customers with those onerous overdraft charges as a result of a month long delay in notification of a {$5.00} service fee is the exactly what the bank intended. 

There should be a requirement that requires banks to post any monthly service fees charges on the last day of the monthly statement period so that they are included in the monthly statement.
US Bank did not notify us that they were the new loan service for our mortgage note within the required 15 days prior to the effective date ( XXXX/XXXX/16 when payment is due ). Failure to notify us in in that time frame is non-compliance under RESPA as the following items were not disclosed to the consumer : 1. The effective date of the transfer, the date your current servicer will stop accepting payments and the date the new servicer will begin accepting them. 2. A statement that the transfer of servicing does not affect any term or condition of your mortgage documents other than the terms directly related to the servicing of the loan.
I am behind on my mortgage, but am going to catch up, on XX/XX/XXXX, I spoke with POC XXXX with Caliber. She asked what us my plan for the property. I told her that I will be catching up on my house, that XXXX will be sent to them by friday the XX/XX/XXXX. I asked if I could make a debit card payment online and she told me that I was unable to because of having a bounced check in XX/XX/XXXXof XX/XX/XXXX. XXXX also asked when I could send yhe rest of the money, I said around XX/XX/XXXX, I will be able to send another XXXX and she said good that will catch you up. I asked if that would avoid foreclosure and she said yes. So then I told her that I will have to overnight the payment. I went to USPS on  Friday the XX/XX/XXXX, paid to have the cashiers check overnight, Caliber recieved the check on Monday, XX/XX/XXXX at XXXX. On Thursday, I received a call and I forgot his name but he asked what were my intentions with the property. I explained that I talked to XXXX on the XX/XX/XXXX, told her my pkan and the above conversation, and said you recieved the payment on the XX/XX/XXXX. 
Then the representative stated that they will not accept single payments as my house is in forclosure and that i need to pay 7 plus grand in full and the attorneys fees in order to get out of foreclosure. I asked why, when on the XX/XX/XXXX, I was told as long as I sent big payments, I would avoid forclosure. He had no answer for that and said my checks would be returned because its not the full amount and unless I have the full amount plus attorney 's fees, then I can get out of foreclosure. I had to end the call because Im so frustrated and stresses. They have XXXX dollars half of the XXXX grand owed and purposely hold it and not apply it to my mortgage so they can put me into foreclosure.
Wells Fargo has refused to consider my application for a loan modification submitted on XXXX/XXXX/XXXX, Wells Fargo has also refused to give me a reason why. My pending application submitted in XXXX XXXX has gone without an answer. I am facing foreclosure on the XXXX of XXXX XXXX. My Notice of Default which was recorded in XXXX XXXX with the Trustee being XXXX XXXX XXXX XXXX however, in XXXX XXXX a Notice of Trustee Sale was filed. In XXXX XXXX, a Notice of Trustee Sale was filed by XXXX XXXX XXXX XXXX, however, no substitution of Trustee was recorded for these XXXX different companies.a Notice of Trustee Sale was recorded on XXXX XXXX by XXXX, still no substitution has been recorded. On XXXX XXXX, XXXX a Notice of Trustee Sale was recorded by XXXX XXXX XXXX with a Foreclosure Sale Date of XXXX XXXX, XXXX, a substitution of trustee was recorded on XXXX XXXX, XXXX, Substitution out XXXX XXXX XXXX a California Corporation and Wachovia Mortgage XXXX it 's successors, however, XXXX XXXX XXXX XXXX and then XXXX XXXX XXXX proceeded has Trustee. Wells Fargo Bank attorney in fact executed the Substitution of Trustee which is very suspicious.
I called and sent transunion a letter about Inquiries that does not belong to me. Transunion was so rude and disrespectful to me. they stated I needed to call all the compaines and request them to be removed. I did that but the companies sent me back to transunion. Here is the list of Inquiries that does not belongs to me. their customer service would not help and take care of the negative inquiries reporting to your credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX   XXXX  XXXX via XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX   XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX
My XXXX state tax refund was intercepted by alliance one collection agency for traffic tickets. {$1100.00}. Tickets in XXXX & XXXX. The courts had my wages garnished thru my employment which had been paid off XXXX. 
Account # XXXX. XXXX balance liason at XXXX XXXX XXXX. XX/XX/XXXX called alliance one spoke with Supervisor XXXX XXXX about this account. He told me that XX/XX/XXXX it would take 6-8 weeks to return the tax refund amount. Called back XX/XX/XXXX to get an update status with XXXX XXXX he stated {$580.00} went to another account. I asked him why did he like. And did asked he verify that account was mine. And where are my receipts. Where is the other amount of my tax refund go {$540.00}. He hung up on me. I left the manager XXXX XXXX a voicemail about this issue. Never heard back. XXXX Address to corporate XXXX XXXX XXXX XXXX, wash. XXXX my name is XXXX XXXX . XXXX XXXX XXXX XXXX CA XXXX XXXX.
I was approved by a underwriter at Movement mortgage and at the day of closing my loan was denied, all my documents were approved, my income was verified, I had all funds cleared for purchase in my bank. The company did n't bother to call me after driving 4 hours to close on the home, it was very damaging to my credit i have taken a large hit because of this deceptive practice. I arrived at the home of my dreams talked to the agent and inspected the home before providing title company with down payment, and to my knowledge i was the victim of mortgage discrimination there was not reason why my loan would be denied according to the loan officer 45 days prior, which was more than enough time for underwriting to verify docs to make an offer, I also have emails that prove that this was not just a pre-approval I was approved.
I contained  XXXX , specifically  XXXX   XXXX ,  XXXX  XXXX  XXXX ,  XXXX . I reported a discrepancy on my credit report. Not only did they NOT respond in  thirty ( 30 ) da ys, they have refused to delete the item even though   XXXX   and  XXXX   XXXX  BOTH deleted the item ... a bankruptcy.     They are to delete the item immediately or I will sue them. THEY HAD  THIRTY  DAYS AND DID NOT RESPOND. EVERYTHING WAS SENT CERTIFIED AND I HAVE COPIES OF ALL INCLUDING BUT NOT LIMITED TO THE CONFIRMATION THEY RECEIVED THE DOCUMENTS.
The homeowner has been trying to get a loan modification since  XXXX / XXXX / XXXX . Recently I was served a Notice of  Default  on  XXXX   XXXX ,  XXXX . The servicer  XXXX   XXXX  served the  XXXX  Notice. A trustee of Sale is :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , Nevada,  XXXX .     I have a change of circumstances and am formally filing an appeal via the CFP B Consumer Finance Protection Bureau. I  am requesting a basis of denial report, as appears that errors in the income and property value were used to base the denial for request for a loan modification. I was denied a loan modification : without an explanation for the denial.     On  XXXX / XXXX / XXXX  A notice  of Default was file d. There is no date of sale set at this time.     Recently on  XXXX   XXXX ,  XXXX  I discovered that the previous lenders,  XXXX ,   XXXX   XXXX   XXXX  ,  XXXX   XXXX  and   XXXX   XXXX   XXXX   : signed consent agreements for mortgage fraud violations, including no just standing. The homeowner has ordered a  XXXX   XXXX   XXXX  on this property and reserves all rights under discovery and possible violations exist in the following :   1. Broken chain of title.
2  . No just standing  3 . Gross fragmentation of the note to  XXXX   XXXX .   The home owners  XXXX  audit produced in  XXXX   XXXX ,  XXXX  : could also show strong evidence of known robo signer participation in  XXXX  documents and more.   The Homeowner alleges the following investor, Master Trustee and servicers ; most likely knew of the broken title and no just standing : but started the foreclosure process without just standing. The investor, Master Trustee and servicers include :  Aspen G LLC ,  XXXX ,   XXXX   XXXX   XXXX  ,  XXXX   XXXX  and of course   XXXX   XXXX   XXXX  .     This CFPB complaint includes :  1 . LACK OF STANDING TO FORECLOSE ;  2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10 . RESCISSION.
Coinbase has disabled my account, first noticed this problem, XX/XX/XXXX, stating that my trading account has been temporarily suspended please contact our support team. I have contacted the support team on many occasions and no response, I sat on the phone on hold for 2 hours only to be disconnected. I have money in that account under a crypto currency that I want to sell and get out due to market volatility but have been able to access my account in order to do so causing me to loose a large amount of money. this is unacceptable and need to be resolved asap so I can access my money and get out!
While reaching out to JP Morgan Chase regarding fraudulent activity on my account, caused by a XXXX glitch, the physical credit card was cancelled with the intention of sending me a new card. I have been a happy customer of Chase for over 10 years prior to this situation. 

On XX/XX/2018 at approximately XXXX EST, before a new card was received, I was called by the JP Morgan Chase Collections department to discuss a 'Hardship ' arrangement to pay off the outstanding balance on the account. I spoke with the representative regarding the program and its benefits/pitfalls. During her disclosures I specifically asked, " Will this program 'Suspend ' my account ( meaning I would be able to use the account once it was in good standings ) or 'Close ' my account ( meaning I would have to re-apply for a credit card once my credit score was acceptable ). '' The representative quoted 'Suspend ' and in doing so I agreed to the terms of the 'Hardship ' arrangement.

In an attempt to purchase my first home I went to get pre-approved for a mortgage loan only to find out my credit score was so low that I couldn't be approved even with a co-signer. I requested more information and was told that my credit score no longer showed a 'JP Morgan Chase Credit Card XXXX ' With the hopes of getting more information, I reached out to Chase directly.

Initially Chase could not pull up my account because the card number I was using for verification had been cancelled and they had no record of the account ( Chase updated my account to show a card number I had yet to receive ). Once I verified my identity I was informed that : 1 ) It is company policy to 'Close ' the account when a customer enters into a 'Hardship ' arrangement EVEN IF a representative falsely claimed the account would be 'Suspended ' 2 ) There was no recourse to my account getting closed without my informed consent.

3 ) Chase does not provide copies of audio recordings or transcripts, they are for 'quality assurance purposes only ' and are 'Chase property, ' despite the fact that customers have to agree to be recorded to begin with.

4 ) Chase does not mail out contract agreement information, documents regarding the 'Hardship ' arrangement, or 'Right of first refusal ' forms.

In the last two weeks I have been repeatedly turned down when requesting an audio recording or text transcript of the conversation where I was offered the 'Hardship ' arrangement. 

Due to a lack of recourse I requested the 'Legal ' department or an address/name of someone I could send a formal request to. I ended up going through several departments with very little success until another Chase supervising rep ( ID : XXXX ) gave me the 'National Subpoena Processing ' address to request the audio recording. 

Important Information : Date of Offer : XX/XX/2018 Time of offer : Approx. XXXX EST Rep. ID # : XXXX National Subpoena Processing Mail Stop : XXXX XXXX XXXX XXXX XXXX . 
XXXX IN, XXXX
Since XX/XX/XXXX, Ditech has XXXX my accounts due to a changeover in their computer system. All of the accounts except for one has been corrected. Despite receiving all of my monthly payments on time, they state that I have not paid since XX/XX/XXXX. I have proof of payment as well as proof of their mismanagement. I get called by their collections department all of the time and when I explain the situation to them, they say that I am correct. And yet they keep calling. Just yesterday, a phone representative rudely asked why I did n't make my last payment, when in fact I did. The person stated that if I pay {$150.00}, then the rest of the unapplied amount would complete the payment and I would be brought current. I do not owe this money, but wanted to make this go away, so I paid anyway, even though money is tight right now. I think this amount is incorrectly charged interest and late fees. Upon paying this amount, they erased all of my payments since XX/XX/XXXX. I was assured on several occasions since XX/XX/XXXX, that they would straighten this out. Am I supposed to receive harassing and rude phone calls for the next 18 years because Ditech ca n't correct this? Is it Ditech 's wish to force default on a homeowner so they can take their home? Ditech, please take notice that CFPB is publically publishing this complaint. Since I had loans on this property for the last 10 years, I was never late nor am I late now. And yet I am being treated like a deadbeat by Ditech.
I received a letter fro m CITI sta ting that they are refunding from an add on that I did n't order. The letter states to go to and submit a claim for refund. A reference number was provided. But when i went to that website it says " website can not be found ''.   Is this a scam? I  XXXX  and saw that  in 2015 Citi wa s found to have to refund  XXXX , but this is the first I 've heard of this and obviously ca n't do anything about it.
Wells Fargo has retaliated against me for past complaints to the CFPB and other oversight entities, by continuing to engage in their pattern of abuse ; fraud and unfair banking practices. Recently, I was charged XXXX ( XXXX ) {$35.00} overdraft fees unjustly and on the XXXX XXXX, they placed a CASH IN BRANCH DEPOSIT ON HOLD UNTIL XXXX XXXX, claiming that I have had excessive NSF on the related account yet, it was their proven PATTERN OF FRAUD that accounted for any alleged NSF 's. As it stands now, WELLS FARGO IS HOLDING A CASH IN PERSON DEPOSIT UNTIL XXXX XXXX for no legitimate reason and INTENTIONALLY MAKING SAID ACCOUNT REMAIN IN A NEGATIVE BALANCE SO THAT THEY CAN FRAUDULENTLY COLLECT MORE NSF FEES. Wells Fargo contuinues to act corruptly in violation of State and Federal banking laws.
After checking my report there is 2 errors. 
I did have my credit information stolen on 2 different times, On the State and Federal level. 
There is a bank listed in know nothing about it, and a change of residence in my address.
I have a personal loan debt. I have multiple instances with this company. 
The leftover loan amount was about five thousand. 
1 ) They are seeking unjustified amounts and keep adding fines, interest, and penalties that are now up to XXXX XXXX dollars on a closed and charged off account. 
2 ) They also threaten a lawsuit using a law office as a collections company. Furthermore, they have filed multiple suits without following thru. I have shown up to each court case and they have yet to have representation from their side show up. Now in my background report, I show multiple suits pending. 
3 ) They communicate with third parties other than my self. One of my past co-workers has been contacted by them on two different occasions. 
4 ) The company reports false information on all three consumer credit reporting agencies. The false information is the exuberant amounts that just keep climbing, They have added hart hits by supplying my information to other collections agencies and loan companies. They have also added wrong addresses and different variations of my legal name to my consumer credit reports that I am unable to get removed as they were reported by them,
The name being used to identify me is incorrect. I do not have a middle name or initial. 
I have NO accounts with this initial, my birth certificate will confirm my claim. This is the 5th time I have submitted a claim for this incorrect listing of my name.
In XXXX XXXX XXXX my husband passed away then in XXXX XXXX XXXX a car hit me causing injury to me. I had to pay for my medical bills and both insurance company sent money to my attorneys, I let my mortgage company know what was happen and why I got behind in my payments. I also called keep your home and they said I qualified for help up to XXXX the mortgage company would not except the money. I do not under stand why other then it would bring my principle down. I sent a letter to the mortgage company with statement I would receive money to catch up with my payments and for them to let me know if a sale date should happen. The mortgage. did not let me know but posted a sale date for two week of the sale in XX/XX/XXXX .I have a great granddaughter living with me and my health is bad I need help to under stand why this mortgage company did this and why they will not except the money from keep your home.
XXXX/XXXX/XXXX I had an XXXX with XXXX XXXX XXXX. I had met my deductible and I had preaproval. XXXX did n't bill my insurance properly. I contacted my insurance they advised me how to call XXXX and ask them to rebill. I did repeatedly. They refused at first. My doctors office called and asked XXXX to rebill. XXXX sent me to collections. Finally XXXX wrote off the amount from my account but they did not take it out of collections like they told my insurance, myself and the doctors office they did. I have asked the collection company to audit the account. I just did again. They are collecting interest and are still asking me to pay a bill that XXXX no longer is requiring me too pay.